Replacement Cost vs. Market Value: Why Your Home Insurance Isn’t Based on Your Home’s Selling Price

When reviewing your homeowners insurance policy, one number often raises questions: your dwelling coverage limit. Is it based on market value or replacement cost of the home?

Many homeowners expect this amount to match what they paid for their home or what they believe it could sell for today. Then they notice their insurance limit is much higher—or sometimes lower—than the home’s market value.

That difference is usually intentional.

Homeowners insurance is designed to help rebuild your home after a covered loss. It is generally not based on what your home would sell for on the real estate market. Understanding the difference between replacement cost and market value can help you make better insurance decisions and avoid costly surprises after a claim.

What Is Market Value?

Market value is simply what someone may be willing to pay for your property in today’s real estate market.

Many factors influence market value, including:

• The location of your home
• The size and value of the land
• School districts
• Neighborhood demand
• Interest rates
• Local housing inventory
• Nearby home sales
• The overall economy

Because of these factors, two nearly identical homes can have very different market values if they are located in different neighborhoods.

The value of the land is also included in the market value. Since your land cannot burn down or be destroyed by a storm, it is not part of your homeowners insurance dwelling coverage.

What Is Replacement Cost?

Replacement cost is an estimate of what it could cost to rebuild your home using materials of similar quality and current construction methods.

Rather than looking at the real estate market, replacement cost focuses on rebuilding the structure itself.

A replacement cost estimate considers items such as:

• Square footage
• Construction style
• Roofing materials
• Foundation type
• Flooring
• Cabinets and countertops
• Plumbing and electrical systems
• Custom features
• Local labor costs
• Building material prices
• And more…

Depending on the policy and circumstances, rebuilding costs may also include debris removal and expenses related to meeting current building codes.

The goal is to estimate what it would cost to build your home again if it were completely destroyed by a covered loss.

Why Replacement Cost and Market Value Are Different

Many people assume these numbers should be the same, but they measure two completely different things.

Market value answers the question:

“What could I sell my property for today?”

Replacement cost answers a different question:

“What would it cost to rebuild my home today?”

Construction costs and real estate prices rarely move together.

A home’s selling price can increase because the neighborhood becomes more desirable, while rebuilding costs stay relatively stable.

Likewise, rebuilding costs may increase because labor and materials become more expensive even if local home prices decline.

That is why your dwelling coverage may not match your home’s current market value.

When Replacement Cost Is Higher Than Market Value

This situation is more common than many homeowners realize.

Imagine a home in a rural community with a market value of $325,000.

The land has relatively little value, but construction costs have increased over the past several years.

Today, rebuilding that same home could cost $420,000.

Although the property might only sell for $325,000, it could take significantly more money to rebuild it after a total loss.  And remember, the cost to re-build a home is almost always be more that the cost to buile it initially from the ground up.

We also see this a lot with townhomes in rural or city areas.  Someone my be able to buy a row home for $25,000, but the cost to re build could be much higher, like $150,000 or more.

If the home were insured for only its market value, the homeowner might not have enough coverage to fully rebuild.

When Market Value Is Higher Than Replacement Cost

The opposite can happen as well.

Suppose a home is located in a highly desirable neighborhood near excellent schools and shopping, on on the waterfront.

Because of the location, buyers are willing to pay $850,000 for the property.

However, rebuilding the structure itself may only cost $525,000.

Most of the property’s value comes from the land and location, not the house itself.

Since insurance focuses on rebuilding the structure, the dwelling limit may be much lower than the home’s selling price.

What Determines Your Home’s Dwelling Coverage?

Insurance companies use specialized replacement cost estimating tools to calculate an appropriate dwelling limit.

These estimates look at details such as:

• Home size
• Number of stories
• Exterior materials
• Roof design
• Interior finishes
• Garages
• Fireplaces
• Porches
• Custom woodwork
• Built-in features
• Local construction costs
• Quality of materials (flooring, countertops, cabinets, etc.)

These estimates are regularly updated as labor rates and material costs change.

This helps keep your coverage aligned with today’s rebuilding expenses instead of yesterday’s construction prices.

Construction Costs Continue to Change

Rebuilding a home today often costs much more than it did just a few years ago.

Several factors continue to affect construction costs, including:

• Inflation
• Material shortages
• Labor availability and costs
• Transportation costs
• Updated building codes
• Increased demand following severe weather events

Because these costs change over time, your homeowners insurance should be reviewed periodically to make sure your dwelling limit still reflects current rebuilding expenses.

Home Improvements Can Change Your Replacement Cost

Any major renovation can increase the amount it would cost to rebuild your home.

Be sure to let your insurance agent know if you’ve recently completed projects like:

• Finishing a basement
• Adding a room
• Expanding a garage
• Building a deck
• Remodeling a kitchen
• Updating a bathroom
• Installing custom cabinetry
• Adding high-end flooring
• Building a home office
• Finishing an attic

These improvements can significantly increase your home’s replacement cost.

If your policy isn’t updated, you could find yourself underinsured after a major loss.

Claim Scenario: A Kitchen Remodel

A homeowner invests $90,000 updating their kitchen with custom cabinets, quartz countertops, premium flooring, and upgraded lighting.

A year later, a cooking fire causes extensive damage throughout the first floor.

Because they notified their insurance agent after completing the remodel, their dwelling coverage had been updated to reflect the improvements.

Their policy helped pay to rebuild the damaged portion of the home using materials of similar quality, subject to the policy’s terms, conditions, and deductible.

Claim Scenario: Adding Living Space

A family builds a large addition to create a first-floor primary suite.

The project adds several hundred square feet to the home.

A powerful windstorm later causes severe structural damage.

Fortunately, they updated their homeowners insurance after completing the addition.

Their dwelling limit reflected the increased replacement cost, helping provide the coverage needed to rebuild the larger home.

Should You Review Your Homeowners Insurance?

A policy review is a good idea whenever your home changes.

You should also consider reviewing your coverage if:

• It has been several years since your last review.
• Construction costs have increased significantly.
• You’ve purchased new custom features.
• You’ve completed major renovations.
• You simply want to confirm your coverage still fits your needs.

A quick review today could help prevent expensive surprises after a future claim.

How Huff Insurance Can Help

Understanding homeowners insurance can be confusing, especially when replacement cost and market value don’t match.

At Huff Insurance, we help homeowners understand how their coverage works and whether their dwelling limit still makes sense for today’s rebuilding costs.

As an independent insurance agency, we represent multiple highly rated insurance companies. That allows us to compare coverage options from different carriers to help you find the right protection at a competitive price.

Whether you’ve recently remodeled your home, purchased a new house, or simply haven’t reviewed your policy in a few years, we’re happy to help you evaluate your current coverage and answer your questions.

Frequently Asked Questions

Does my homeowners insurance cover my home’s market value?

Not usually. Homeowners insurance is generally based on the estimated cost to rebuild your home after a covered loss rather than what it could sell for on the real estate market. Those two values often differ because market value includes the land and other real estate factors.

Why is my dwelling coverage higher than what I paid for my home?

The price you paid for your home reflects the local real estate market at the time of purchase. Your dwelling coverage is based on current rebuilding costs, which may be higher due to increases in labor, materials, and construction expenses.

Should I tell my insurance agent after remodeling my home?

Yes. Renovations and additions often increase your home’s replacement cost. Updating your policy after major improvements helps reduce the risk of being underinsured if a covered loss occurs.

How often should I review my homeowners insurance?

It’s a good idea to review your homeowners insurance every year when your policy renews. You should also contact your insurance agent after completing major renovations or whenever you have questions about your coverage.

About The Author: Jerry Nicklow

Jerry Nicklow has worked with Huff Insuranc since 2008 and has been in the insurance industry since 1995.  Jerry  has written insurance marketing and educational content since joiniung Huff Insurance.  He holds the API, AAI, and AIS designations from the Insurance Institutes.  He has also appeared on insurance industry podcasts,  like The Insurance Guys Podcast , Agency Intelligence Podcasts, and multiple insurance carrier podcasts.  Jerry is also the creator of Real Insurance Talk, where he explains insurance in plain terms through articles and his YouTube channel to help individuals and business owners better understand coverage and risk.

Maryland Condo Deductible Law Changes Again: What You Need to Know for 2027

Effective October 1, 2027, a Maryland condo deductible law takes effect that will increase the amount of loss assessment that a condo association can charge to their condo unit owners.  The effective date was pushed out for a year to allow the insurance companies time to adjust and file their policy forms and rates.

Prior to the law change, the maximum amount a condo association could charge for a loss assessment was $10,000 (from a change that was effective 10/1/2020).  The new law increases that amount to $25,000.

So what does the increase mean to you, the condominium owner? 

Well, after 2020, most condo insurance policies were written with the adjusted loss assessment coverage of $10,000.  This was done to cover the owner for the maximum amount that the condo association could charge them for a deductible portion of a loss that originates in their condo unit.

Now that the amount the association can charge has been increased to $25,000 as of October 1, 2027, it could create a $15,000 gap in your condo insurance policy.

What Your Condo Association Must Tell You Under the New Law

The updated law also requires your condo board to notify you annually about the current deductible amount and your potential responsibility if a loss originates in your unit.

If you’re buying a condo after October 1, 2025, sellers must also include a written notice about the $25,000 deductible responsibility in the sales contract. This is a new requirement that protects buyers—but only if you’re paying attention.

What is a loss assessment?

You may be wondering what exactly is a loss assessment that would be covered on your condo policy.  You’ve probably heard the term, but unless you have had an assessment, you may not understand what it is and how it can affect you.

If a loss originates inside of your condo unit and causes damage to the condominium structure, the association can charge you, the condo owner, an assessment to cover their deductible portion of their insurance policy, up to a $25,000 maximum as of October 1, 2027.

Here is an excerpt from the actual Maryland condo deductible law:

“If the cause of any damage to or destruction of any portion of the condominium originates from a unit, the owner of the unit where the cause of the damage or destruction originated is responsible for the council of unit owners’ property insurance deductible not to exceed $25,000.”  

Any remaining deductible amount that may be owed by the association, becomes a common expense to the association.

The BIG confusing area of Loss Assessment Coverage:  

Here’s an example that can be confusing to most people.

Example:  A hurricane blows through Ocean City, Maryland and blows the roof off of your condo building.  In this case, the master policy insurance deductible would be considered a common expense of the association.  Let’s assume in this case that the association did not have enough money to cover the deductible.  They could deliver an assessment to all of the condo unit owners to cover this expense.

Most people would naturally think that since the assessment was issued to cover the master policy deductible, then the loss assessment coverage on their condo insurance policy should cover it.

Well, that would not be correct with most condo insurance policies.  Remember, that in order for the insurance to kick in, the loss must originate from the condo unit that is insured by the unit owner.

In this case, it did not.  So therefore it is a common expense of the association.   A common expense assessment is not covered under the standard condo insurance policy’s assessment coverage.

Insurance can be a bit confusing, so if you have any questions, feel free to reach out to one of our team members here at Huff Insurance at 410-647-1111.

Bottom Line

This law is a game-changer. The Maryland condo deductible cap will more than double—from $10,000 to $25,000—on October 1, 2027.

Why Choose Huff Insurance—and Why Use an Independent Agent?

At Huff Insurance, we don’t just sell policies—we help you stay ahead of major changes like this one. When laws shift, your protection shouldn’t fall behind. Our experienced agents will help you understand your risks and recommend affordable ways to cover new gaps—before they hit your wallet.

As an independent insurance agency, we work with multiple top-rated carriers. That means we can shop around to find a policy that covers your condo’s new deductible exposure—without breaking the bank. And if your condo association changes their master deductible again? We’ll help you adjust quickly.

Huff Insurance is a Trusted Choice Independent Insurance Agency.  We are here to serve your needs.

FAQs: Maryland Condo Deductible Law Explained

1. What is the Maryland condo deductible law?
>>>It’s part of Maryland Real Property Law (§11-114) and states that condo owners are responsible for the condo association’s insurance deductible—if the loss originates in their unit—up to a set cap. That cap rises to $25,000 on October 1, 2027.

2. What if my condo insurance only covers $10,000?
You may be at risk. If a covered loss originates in your unit and the deductible is $25,000, your policy would only pay $10,000—leaving you to cover the remaining $15,000 out of pocket. If it is available, you should upgrade your deductible coverage limit now.

3. Does this apply to all condo owners in Maryland?
No. The law would not apply to condominiums comprised entirely of detached units.

4. What kind of coverage do I need?
Look for “loss assessment” or “building deductible” coverage on your HO-6 condo insurance policy. Ask your agent to ensure it covers at least $25,000.

5. Will my condo association notify me?
They’re required to provide annual notice of the deductible amount and your potential responsibility. But don’t rely solely on them—verify with your insurer as well.

 

Do You Have Enough Business Liability Insurance?

One of the most common questions I get from business owners is, “Do I have enough business liability insurance coverage?”

My response? “I can’t answer that until we see the lawsuit.”

The truth is, there’s no way to predict the amount you could be sued for in a liability claim. It’s a gamble, and the stakes are high.

Let’s explore some real-life examples to illustrate this.

How Much Liability Insurance Is Enough for Your Business?

Business owners often ask the same question: How much liability insurance is enough?

The answer depends on your industry, the contracts you sign, the size of your projects, and the financial risks your business faces every day.

Many companies carry liability limits simply because they meet state requirements or satisfy a contract. However, minimum limits may not be enough when a serious claim occurs.

Recent news coverage of a massive California cold-storage warehouse fire demonstrates why. While investigators continue to determine the cause, the incident shows how a single event can create millions of dollars in property damage, business interruption losses, and legal claims.

Understanding your liability exposure can help protect your business from financial disaster.

What Does Liability Insurance Cover?

Liability insurance helps protect your business when you are responsible for causing injury to another person or damage to someone else’s property.

A standard Commercial General Liability (CGL) policy typically covers:

• Third-party bodily injury claims
• Property damage claims
• Legal defense costs
• Settlements and judgments
• Personal and advertising injury claims

For many businesses, liability insurance serves as the foundation of their risk management strategy.

Without adequate coverage, even one lawsuit could threaten years of hard work.

Why Do Businesses Need More Than the Minimum Liability Limits?

Many business owners purchase liability insurance based on contract requirements.

For example, a contractor may carry a $1 million liability policy because a customer requires it.

The problem is that claims do not stop once policy limits are exhausted.

If a judgment exceeds your coverage limit, your business could be responsible for paying the remaining amount.

That may include:

• Business assets
• Future earnings
• Equipment
• Cash reserves
• Real estate holdings

The larger your projects become, the greater your potential exposure.

How Can One Accident Create Millions in Liability Claims?

Many business owners underestimate how quickly costs can escalate after a serious loss.

Consider a recent news story involving a large California cold-storage warehouse containing millions of pounds of refrigerated food products.

Imagine your solar contracting company has completed a rooftop solar installation on a facility of similar size.

During system testing, an electrical fault occurs. A fire starts near the solar equipment and rapidly spreads across the rooftop.

Within hours, firefighters are battling a massive blaze.

The consequences could include:

• Extensive damage to the building
• Destruction of stored inventory
• Business interruption losses
• Environmental cleanup expenses
• Damage to neighboring property
• Legal fees and lawsuits
• Potential bodily injury claims

Even if your company ultimately is not found responsible, defending a lawsuit can be extremely expensive.

If investigators determine contractor negligence contributed to the loss, damages could easily reach millions of dollars.

This type of scenario demonstrates why liability insurance limits should reflect real-world exposures rather than minimum requirements.

How Much Liability Insurance Do Small Businesses Typically Need?

Many small businesses begin with liability limits of:

• $1 million per occurrence
• $2 million aggregate

These limits may be sufficient for businesses with limited customer interaction and relatively low-risk operations.

However, businesses should consider additional factors, including:

• Annual revenue
• Number of employees
• Client requirements
• Industry risks
• Property values involved
• Potential lawsuit exposure

A retail store has different liability needs than a roofing contractor, electrician, or solar installation company.

How Much Liability Insurance Do Contractors Need?

Contractors often face some of the highest liability exposures of any industry.

Construction projects involve:

• Expensive property
• Heavy equipment
• Electrical systems
• Multiple subcontractors
• Public safety concerns

A single mistake can create significant financial consequences.

Contractors should evaluate:

• Maximum project value
• Contract requirements
• Potential third-party losses
• Industry-specific risks

Many contractors purchase umbrella liability policies to supplement their general liability coverage.

What Is Umbrella Liability Insurance?

Umbrella insurance provides additional liability protection above the limits of your underlying policies.

For example:

If your General Liability Insurance policy provides $1 million in coverage and you carry a $5 million umbrella policy, you may have access to up to $6 million in total liability protection for covered claims.

Umbrella insurance is often surprisingly affordable compared to the protection it provides.

Many businesses find it to be one of the most cost-effective ways to increase liability limits.

How Do You Determine the Right Liability Limit for Your Business?

The best liability limit depends on your specific risk profile.

Ask yourself these questions:

• What is the largest project we perform?
• What is the value of the property we work on?
• Could our work cause significant damage?
• Could an accident injure multiple people?
• What are the lawsuit trends in our industry?
• What liability limits do our competitors carry?

The goal is not simply to meet minimum requirements.

The goal is to protect your business from a loss that could otherwise be financially devastating.

What Happens If You Don’t Have Enough Liability Insurance?

Insufficient liability coverage can leave your business exposed to substantial financial losses.

Potential consequences include:

• Out-of-pocket settlements
• Court judgments
• Legal defense expenses
• Business interruption
• Asset liquidation
• Bankruptcy

Many businesses discover their coverage gaps only after a major claim occurs.

By then, it may be too late.

Regular insurance reviews can help identify risks before they become costly problems.

Why Should You Review Liability Insurance Annually?

Businesses change constantly.

You may:

• Add new services
• Increase revenue
• Expand operations
• Hire employees
• Take on larger projects

As your business grows, your liability exposure grows as well.

An annual insurance review helps ensure your coverage continues to match your risk level.

What was adequate five years ago may no longer be enough today.

Why Choose Huff Insurance for Liability Insurance?

At Huff Insurance, we help businesses evaluate liability risks and determine appropriate coverage limits.

As an independent insurance agency, we work with multiple insurance companies rather than representing only one carrier.

That allows us to:

• Compare coverage options
• Shop competitive pricing
• Identify coverage gaps
• Customize protection for your business
• Provide ongoing support as your business grows

Our goal is simple: help protect everything you’ve worked hard to build.

Whether you operate a small business, contracting company, professional service firm, or growing enterprise, our team can help you find liability coverage that fits your needs and budget.

Frequently Asked Questions

How much liability insurance is enough for most businesses?

The right amount depends on your industry, revenue, operations, and potential exposure to lawsuits. Many businesses start with $1 million in liability coverage, but larger risks may require higher limits and umbrella insurance.

Do I need umbrella insurance if I already have general liability insurance?

Umbrella insurance provides additional protection when a claim exceeds your primary liability limits. It can be especially valuable for contractors, manufacturers, and businesses working on high-value projects.

What industries need higher liability limits?

Construction companies, solar contractors, electricians, manufacturers, transportation businesses, and property managers often face larger liability exposures and may benefit from higher limits.

How often should I review my liability insurance?

Most businesses should review coverage annually. Significant changes such as revenue growth, new services, larger contracts, or additional employees may require coverage adjustments sooner.

Can a single claim exceed $1 million?

Yes. Major property damage claims, serious injuries, class-action lawsuits, or catastrophic events can easily exceed $1 million. Large commercial losses often involve multiple parties and extensive legal costs.

Sample Claims Where A $1 Million Business Liability Insurance Policy Would Not Have Been Enough

The Rosedale, MD Train Derailment

Several years ago, in Rosedale, Maryland, a trash truck stopped on a railroad crossing as a CSX train approached, blaring its whistle. The truck didn’t move out of the way in time. The result? Several train cars derailed. The truck was obliterated, trapping the driver inside, and the collision led to an explosion that rocked the area.

Here’s a breakdown of the fallout and the potential liability exposure for the business owner whose employee was driving the truck:

• Damage to Rail Cars: The rail cars were heavily damaged, with some completely destroyed.
• Railroad Track Damage: Hundreds of feet of railroad track were severely damaged.
• Lost Goods: The products in the derailed rail cars were either damaged or completely lost.
• Cleanup Costs: Removing the derailed cars and repairing the track was an extensive and costly process.
• Pollution Cleanup: Chemicals from the wreck seeped into the ground, requiring a significant cleanup effort to prevent environmental hazards.
• Storage Costs: The damaged rail cars and track sections needed to be stored while the National Transportation Safety Board (NTSB) investigated the incident.
• Business Interruptions: Nearby businesses suffered lost income due to road closures and the inability to operate amid emergency response efforts.
• Property Damage: Several nearby homes and buildings sustained serious damage, with some even condemned due to structural issues.
• CSX Losses: CSX incurred losses from not being able to use the damaged tracks, disrupting the movement of goods.
• Investigation Costs: The NTSB investigation into the derailment added to the total liability.
• Health Claims: People in the area reported illnesses caused by the chemicals and fumes released during the explosion.
• Injuries: Individuals near the explosion site were injured, leading to potential injury claims.

When you consider the total costs of such an event, it becomes clear that a $1,000,000 liability policy wouldn’t even scratch the surface.

Another Example: A Restaurant Fire in Baltimore

Now, let’s consider another incident. A popular restaurant in Baltimore accidentally started a fire that quickly spread to neighboring businesses. The fire originated in the kitchen, and despite the staff’s efforts to contain it, the flames spread out of control.

Here’s the fallout and potential liabilities from this incident:

• Fire Damage to the Restaurant: The restaurant itself was almost entirely destroyed.
• Damage to Neighboring Businesses: Two adjacent businesses, a boutique and a coffee shop, were also heavily damaged by the fire and water used to extinguish it.
• Loss of Inventory: The fire destroyed thousands of dollars’ worth of inventory in both the restaurant and the neighboring businesses.
• Business Interruption: All three businesses had to close for several months, leading to significant business income losses.
• Injuries to Customers and Staff: Several customers and employees sustained injuries while evacuating, leading to medical expenses and potential lawsuits.
• Cleanup and Restoration Costs: The cleanup effort was extensive, involving debris removal and restoring the property to its original condition.
• Temporary Relocation Costs: The affected businesses incurred additional costs by relocating temporarily during the restoration period.
• Loss of Goodwill: The restaurant lost significant business goodwill, and its reputation was tarnished, impacting future revenue.

In this case, a $1,000,000 liability policy would again fall short of covering the various claims and losses that could arise. Damages could easily exceed several million dollars when considering the combined costs of rebuilding, lost income, and legal claims.

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About The Author: Jerry Nicklow

Jerry Nicklow has worked in the insurance industry since 1995 and has written insurance marketing and educational content since 2008. He holds the API, AAI, and AIS designations from the Insurance Institutes.  He has also appeared on insurance industry podcasts, and is the creator of Real Insurance Talk, where he explains insurance in plain terms through articles and his YouTube channel to help individuals and business owners better understand coverage and risk.

Zoom Phishing Scam: How Business Professionals Are Being Tricked by Fake Meeting Links

Virtual meetings have become a normal part of doing business. Whether you’re meeting with clients, prospects, vendors, or business partners, platforms like Zoom, Microsoft Teams, and Google Meet make it easy to connect from anywhere. Unfortunately, cybercriminals recognize how much we rely on these tools and are increasingly using them as part of sophisticated phishing schemes, like the Zoom phishing scam we will talk about here.

By exploiting the trust people place in familiar meeting platforms, scammers can make malicious links appear surprisingly legitimate.

What Is the New Zoom Phishing Scam?

A growing cyber threat is targeting business professionals who regularly schedule virtual meetings. Insurance agents, real estate professionals, financial planners, attorneys, consultants, and business owners are all seeing an increase in sophisticated phishing attempts centered around Zoom and Microsoft Teams meetings.

The scam often starts with what appears to be a legitimate business opportunity. A prospective client may request a consultation, a potential partner may want to discuss a project, or someone may reach out through email or LinkedIn looking to schedule a meeting.

Everything seems normal.

Then, shortly before the meeting is scheduled to begin, the person claims they are having trouble accessing your meeting link and asks if you can use theirs instead.

That alternative link is where the danger begins.

Instead of opening a legitimate Zoom or Teams meeting, the link may direct users to a fake website designed to steal login credentials, install malicious software, or compromise business systems.

Because the request feels routine, many people never suspect they are being targeted.

Why Are These Scams Becoming More Common?

Cybercriminals are becoming more sophisticated every year. Modern phishing attacks no longer rely on poorly written emails filled with obvious errors. Today’s scammers use detailed research, professional communication, and artificial intelligence to create highly believable conversations.

Many attackers spend days or even weeks building trust before attempting to execute their scam.

Their goal is simple: create a situation where the target feels comfortable enough to click a link without questioning it.

Virtual meetings provide the perfect opportunity because people are accustomed to dealing with technology issues. When someone says a meeting link is not working, most professionals naturally want to solve the problem and keep the meeting moving forward.

Unfortunately, attackers understand that urgency often leads people to skip normal security precautions.

How Does the Zoom Phishing Scam Work?

Most versions of this scam follow a similar pattern.

Initial Contact

The attacker reaches out posing as a potential client, business partner, vendor, investor, or referral source.

The conversation appears legitimate and often includes industry-specific terminology that makes the individual seem credible.

Meeting Scheduled

After several exchanges, a virtual meeting is arranged.

At this point, the target has little reason to suspect anything unusual.

Last-Minute Technical Issue

A few minutes before the meeting begins, the attacker claims they cannot access the meeting invitation.

Common messages include:

• “Your Zoom link isn’t opening.”
• “Teams won’t let me join.”
• “Can we switch to my meeting room?”
• “I sent a backup link.”

The timing is intentional. The attacker hopes you will react quickly rather than carefully.

Malicious Link Shared

The victim receives a replacement link that may appear legitimate.

Instead of launching a meeting, the link may:

• Download harmful software
• Request login credentials
• Install remote access programs
• Collect sensitive information
• Compromise company devices

Business Systems Become Vulnerable

Once malware is installed or credentials are stolen, attackers may attempt to access email accounts, business files, customer information, or financial data.

In some cases, a single click can lead to a much larger cybersecurity incident.

Which Industries Are Being Targeted?

While any organization can become a victim, certain industries appear especially vulnerable because of the way they conduct business.

These include:

• Insurance agencies
• Real estate firms
• Financial advisors
• Mortgage professionals
• Accountants
• Attorneys
• Consultants
• Small business owners

These professionals regularly communicate with new contacts and schedule virtual meetings with people they have never met in person.

That creates opportunities for cybercriminals to blend in with normal business activity.

What Are the Warning Signs of a Zoom Phishing Scam?

Recognizing red flags can help prevent a costly mistake.

Unexpected Pressure

Scammers often create a sense of urgency.

If someone insists that immediate action is required, slow down and verify the situation before proceeding.

New Links at the Last Minute

Be cautious when someone suddenly asks you to abandon the original meeting invitation and use a different link.

A last-minute change does not automatically mean fraud, but it should trigger additional verification.

Requests to Download Software

Legitimate meeting platforms rarely require surprise downloads from unknown websites.

Any request to install software, browser extensions, or troubleshooting tools should be carefully evaluated.

Refusal to Talk by Phone

One of the easiest ways to test a suspicious situation is to suggest a phone call.

Many scammers avoid direct conversations because it increases the likelihood they will be exposed.

Limited Online Presence

Take a moment to verify who you are dealing with.

Look for:

• Professional websites
• Established LinkedIn profiles
• Company phone numbers
• Business addresses
• Online reviews or references

If very little information exists, proceed cautiously.

How Is Artificial Intelligence Helping Scammers?

Artificial intelligence has dramatically changed the cybersecurity landscape.

Today’s phishing emails often sound professional and polished. AI tools allow criminals to create convincing messages quickly and at scale.

Attackers can now generate:

• Personalized emails
• Professional proposals
• Realistic meeting requests
• Industry-specific communications
• Detailed business conversations

As a result, it is becoming harder to distinguish legitimate communications from fraudulent ones.

The best defense remains healthy skepticism and strong verification procedures.

How Can Businesses Protect Themselves From the Zoom Phishing Scam?

Cybersecurity does not have to be complicated. A few consistent habits can significantly reduce risk.

Verify Meeting Changes

If someone requests a different meeting link, confirm the change through another communication channel.

Call the individual directly or use a previously verified email address.

Train Employees Regularly

Employees remain the first line of defense against phishing attacks.

Regular cybersecurity awareness training helps staff recognize emerging threats before they become incidents.

Enable Multi-Factor Authentication

Multi-factor authentication adds an additional layer of security to business accounts.

Even if credentials are compromised, attackers may have difficulty gaining access.

Restrict Software Installations

Limiting installation privileges reduces the likelihood that unauthorized programs can be added to company devices. Our systems need an administrator approval to update or add software.  This we we have a set of eyes from our IT vendor vetting any software items before they are installed.

Keep Technology Updated

Software updates often contain important security improvements.

Maintaining current systems helps reduce exposure to known vulnerabilities.

Encourage Verification

Create a culture where employees feel comfortable asking questions before clicking links or downloading files.

A quick verification can prevent a major problem.

What Should You Do If You Clicked a Suspicious Link?

If you believe you clicked a malicious meeting link, take action immediately—but don’t panic.

DO NOT SHUT DOWN YOUR COMPUTER!

One of the biggest mistakes people make is shutting down or rebooting their computer right away. While that may seem like the safest response, it can actually destroy valuable forensic evidence that IT professionals and cybersecurity experts use to determine what happened, how the attack occurred, and whether any malicious software is still active.

Instead, consider the following steps:

1. Disconnect the device from the internet by unplugging the network cable or disabling Wi-Fi.
2. Do not power off or reboot the computer unless instructed by your IT department or cybersecurity provider.
3. Contact your IT provider, managed service provider (MSP), or cybersecurity team immediately.
4. Document what happened, including the time of the incident, the email address involved, and any links you clicked.
5. Take screenshots of any suspicious messages or pop-ups if possible.
6. Use a different trusted device to change important passwords if instructed by your IT team.
7. Monitor business accounts for unusual activity and follow your company’s incident response procedures.

The sooner cybersecurity professionals can examine the affected device, the better their chances of identifying the threat, containing any damage, and preventing further compromise.

Why Cybersecurity Awareness Matters

Cybercriminals continue to adapt their tactics. The latest Zoom phishing scam demonstrates how attackers are blending technology, social engineering, and AI-generated communication to target businesses.

The strongest defense is not fear.

It is awareness.

When a situation feels unusual, pause and verify before clicking. A few extra minutes of caution may prevent a significant cybersecurity incident and protect valuable business information.

Phishing by the Numbers

Phishing remains one of the most common ways cybercriminals gain access to businesses. According to Verizon’s annual Data Breach Investigations Report (DBIR), human error and social engineering continue to play a major role in cybersecurity incidents.

Some eye-opening findings include:

• 68% of breaches involved a human element, such as someone clicking a malicious link or falling for a social engineering attack.
• Phishing remains one of the leading attack methods used to steal credentials and gain unauthorized access to business systems.
• Small and mid-sized businesses continue to be attractive targets because attackers know they often have fewer cybersecurity resources than larger organizations.

To learn more about the latest cybersecurity trends and threats facing businesses, review Verizon’s latest Data Breach Investigations Report:
https://www.verizon.com/business/resources/reports/dbir/

Frequently Asked Questions

What is a Zoom phishing scam?

A Zoom phishing scam is a fraudulent attempt to trick individuals into clicking malicious meeting links or providing sensitive information. Attackers often disguise themselves as legitimate business contacts. The goal is typically to steal credentials, install malware, or gain unauthorized access to systems. These scams are becoming more sophisticated and harder to recognize.

Why are business professionals being targeted?

Business professionals frequently communicate with new contacts and participate in virtual meetings. This creates opportunities for scammers to blend into normal business operations. Industries that handle financial or personal information may be especially attractive targets. Criminals often focus on organizations that rely heavily on email and video conferencing.

How can I tell if a meeting link is legitimate?

Always verify unexpected meeting changes before clicking. Check the sender’s information, review the website address carefully, and confirm the request through another communication method when possible. If something feels unusual, trust your instincts and investigate further. Verification is often the simplest and most effective protection.

Can cybersecurity training help prevent Zoom phishing scam attacks?

Yes. Employee awareness training remains one of the most effective tools for reducing cyber risk. Training helps employees identify suspicious behavior, understand common attack methods, and respond appropriately. Regular education can significantly reduce the likelihood of successful phishing attempts.

Should small businesses be concerned about Zoom phishing scams?

Absolutely. Small businesses are increasingly targeted because attackers often view them as having fewer cybersecurity resources. A successful phishing attack can disrupt operations, expose sensitive information, and create significant financial consequences. Every organization should take cybersecurity seriously regardless of size.

Why Cyber Insurance Matters

Even businesses with strong cybersecurity practices can become victims of phishing attacks. Cyber insurance can play an important role in helping a business recover after a cyber incident.

Potential benefits may include:

• Assistance with data breach response and recovery
• Coverage for business interruption losses
• Access to cybersecurity and forensic experts
• Help managing customer notification requirements
• Support for legal and regulatory expenses
• Resources to help protect your company’s reputation

As phishing scams continue to evolve, business owners should review their cyber insurance coverage to understand what protections are available before an incident occurs.

Contact Huff Insurance

Cyber threats continue to evolve, and businesses face new risks every day. While strong cybersecurity practices remain essential, understanding your insurance protection is also important.

Huff Insurance has proudly served clients as an independent insurance agent since 1960. An independent insurance agent represents multiple insurance companies rather than a single carrier. This allows clients to compare options and find coverage that fits their unique needs.

If you have questions about cyber insurance, business insurance, or risk management strategies, contact the experienced team at Huff Insurance.

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About The Author: Jerry Nicklow

Jerry Nicklow has worked in the insurance industry since 1995 and has written insurance marketing and educational content since 2008. He holds the API, AAI, and AIS designations from the Insurance Institutes.  He has also appeared on insurance industry podcasts, and is the creator of Real Insurance Talk, where he explains insurance in plain terms through articles and his YouTube channel to help individuals and business owners better understand coverage and risk.

Why Personal Insurance Reviews Matter

Life moves quickly — and when it does, your insurance coverage needs to keep up. Many people get insurance and never look at it again, assuming their policies will always protect them. But as your life changes, so do your risks. Big moments like buying a home, getting married, or having a child can leave you underinsured if you don’t adjust your coverage.

That’s where a personal insurance review comes in. This simple check-in ensures your protection matches your current life stage, avoiding costly gaps and making sure you’re not overpaying for outdated coverage. Whether it’s your home, car, valuables, or future you’re protecting, regular reviews help keep everything aligned.

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What Is a Personal Insurance Review?

A personal insurance review is a chance to sit down with your insurance agent and go over your current policies. It’s all about making sure your coverage still fits your lifestyle, assets, and risks. During the review, you can update outdated information, make adjustments based on recent changes, and even find opportunities to save money by bundling or removing unnecessary add-ons.

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1. You’ve Recently Moved

A change in address is a clear sign that it’s time to review your insurance. Whether you’re renting or buying, your new location can affect everything from property values to risk factors like crime rates or natural disasters.

• Homeowners or Renters Insurance: Your new place may need different dwelling limits or personal property protection.

• Auto Insurance: Even your daily commute or parking situation can impact your premiums.

• Liability Coverage: Moving into a larger home or a higher-value neighborhood may call for more protection.

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2. Marriage or Separation

Tying the knot — or untying it — changes more than your relationship status. It alters your financial life and your insurance needs.

• If you’re getting married, consider combining auto policies, increasing life insurance, and making sure both of you are protected under health and homeowners coverage.

• In the case of a separation or divorce, you’ll need to update beneficiaries, separate policies, and ensure that each person is still covered appropriately.

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3. Buying or Selling a Home

A new home is one of the biggest investments you’ll ever make. That’s why your insurance should match the true cost to rebuild or replace your property — not just the price you paid for it.

• When buying: Ensure coverage meets current building codes and replacement costs.

• When selling or downsizing: You may be able to adjust or reduce coverage based on your new property.

Either way, this is a must-have reason to meet with your insurance agent.

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4. Welcoming a Child

Becoming a parent brings joy — and added responsibility. With a growing family, your insurance needs grow too.

• Life Insurance: Make sure your family is financially protected if something happens to you.

• Health Insurance: Add your child to your policy as soon as possible.

• Future Planning: Start thinking about long-term needs like education savings and income replacement.

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5. Changes in Income

A promotion, job change, or retirement all affect your financial picture. As your income shifts, your insurance should evolve with it.

• Higher Income: Often means more assets to protect — and a bigger need for liability or umbrella insurance.

• Self-Employment or Business Ownership: You may need new types of coverage you didn’t before, like business liability or equipment protection.

• Retirement: You might shift from income protection to estate planning and health-related coverage.

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6. Purchasing or Selling High-Value Items

Got a new engagement ring, expensive electronics, or fine art? Or maybe you sold that vintage guitar or designer watch? Either way, your insurance should reflect it.

• New Items: Valuable belongings often require additional protection beyond standard coverage.

• Sold Items: Removing items you no longer own can save you money on premiums.

Make a list and keep your insurance up to date.

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7. Buying a Rental or Investment Property

Owning a rental property opens up new income opportunities — and new risks. Your homeowner’s insurance won’t cover rental activity, so you’ll need separate coverage.

• Landlord Insurance: Protects the structure, rental income, and liability associated with tenants.

• Umbrella Policy: Adds extra liability protection in case of lawsuits or major claims.

This is a perfect time for a personal insurance review to get everything squared away.

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8. Major Changes in Your Family or Health

Life is full of unexpected changes. Here are a few more reasons to revisit your coverage:

• Caring for an aging parent

• Kids leaving for college

• Receiving a financial windfall or inheritance

• Major health diagnosis or disability

These moments can shift your responsibilities, your assets, and your need for certain types of insurance.

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9. It’s Been a While Since Your Last Insurance Review

Even if life has been calm lately, it’s smart to review your insurance regularly. Experts recommend checking in every one to three years. It doesn’t take long, and it helps ensure you’re not overpaying or underprotected.

You might discover discounts, remove outdated coverage, or add protection you didn’t realize you needed.

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How to Get Ready for Your Insurance Review

When it’s time to check in with your insurance agent, come prepared:

• Bring copies of your current policies

• Make a list of life changes or purchases

• Think about future plans — like remodeling, travel, or retirement

The more information you bring, the better your agent can tailor your protection.

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FAQs

Q1: How often should I do a personal insurance review?
At least once every 1–3 years or immediately after major life events like marriage, a home purchase, or having a child.

Q2: Will a review increase my insurance costs?
Not necessarily. Some reviews may lead to higher premiums due to increased risk, but you might also find discounts or coverage you no longer need.

Q3: Can I do an insurance review by myself?
You can review your policies and note changes, but working with an experienced agent helps you spot gaps and avoid costly mistakes.

Q4: What do I need to bring to an insurance review?
Bring your current insurance documents, details about recent life events, and any plans that may affect your coverage in the near future.

Q5: What types of insurance should I review?
Homeowners, auto, life, health, umbrella liability, renters, and any special coverage for valuables or business activities.

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Why Choose Huff Insurance?

At Huff Insurance, we’re more than just a provider — we’re your partner in protection. As an independent insurance agency, we work with multiple carriers to find the best coverage for your needs, not just what’s convenient. We take the time to understand your life, offer personalized solutions, and help you make informed choices.

Life keeps changing — and we make sure your insurance changes with it. With Huff Insurance, you get local service, expert advice, and peace of mind, all in one place.

1099 Subcontractor or Employee?

Paying Someone by 1099 Does Not Automatically Make Them a Subcontractor

Many business owners assume that issuing a 1099-NEC automatically makes someone a subcontractor. Unfortunately, that is not how the IRS or insurance companies view worker classification.

A 1099 form is simply a tax reporting tool. It reports how someone was paid, not how they should be classified. What matters is how the working relationship actually functions — including who controls the work, who supplies tools, and whether the worker operates an independent business.

From an insurance standpoint, paying someone by 1099 does not prevent them from being treated as an employee if the facts support that classification. This distinction becomes especially important during insurance audits or after a claim.

The term “subcontractor” gets thrown around a lot in your industry, but it is important to understand that not all workers paid on a 1099 are subcontractors. While Form 1099-NEC is used to report payments made to non-employees, the IRS and insurance companies make a determination based on the actual working relationship, not just the tax form. An individual paid on a 1099 could still be considered an employee if the business retains significant control over how the work is performed.

Important note about 1099 reporting:

Paying someone via a 1099-NEC and issuing a 1099 tax form does not automatically make that person a subcontractor or independent contractor. The IRS requires businesses to issue a Form 1099-NEC to report payments made to non-employees when certain conditions are met, but the tax form itself does not determine whether someone is truly a subcontractor. What matters is how the working relationship is structured — who controls the work, how much independence the worker has, and whether they meet the IRS definition of an independent trade or business.

This means that simply paying a worker as a 1099 contractor doesn’t automatically make them a subcontractor in the eyes of insurers, tax authorities, or labor law regulators.

If you use uninsured 1099 subcontractors, you are facing the probability of the following occurring:

• There may not be any coverage under your business liability insurance policy for the negligence or liability of the subcontractor
• You maybe held responsible for the injuries to the subcontractor and/or their employees if they are injured while working for you at a job site
• Possibly that the subcontractors will be picked up on your audit as employees causing you a large additional premium.

Anytime that you use a 1099 subcontractor the following should be required;

• Subcontractor Agreement signed by parties, stating the scope of the operation, what exactly is to be done and the requirements of the subcontractor.

• Certificates of insurance should be maintained on all subcontractors and should be updated annually at a minimum, but preferably at the beginning of each new job

• Subcontractors should be required to provide their independent contractors business license and it should be kept on file

• Even when you have subcontractors that you are subcontracting to and have certificates many times there will still be a charge on your liability insurance for the subcontractor.   The reason is because if the subcontractor is negligent you will still be sued and if their coverage is not sufficient you would then potentially have excess coverage under your policy.

If you answer yes to any of the following questions, the individual contract laborer in question, is most likely an employee.***

• Is the person paid by piece, hour, day or week?
• Does the person perform work that regular employees of your business perform?
• Is all or a majority of the work that is the general nature of your business, performed by contract labor?
• Do you provide the material for the jobs?
• What does the subcontract specify?
• Do you tell them when to work?

In all cases, if the individual/contractors (without worker’s compensation insurance coverage) in question, hires labor to help perform work, the individual would be consider as an uninsured contractor and the amounts they were paid would rightfully be included with payroll/wagers on your audit, and you maybe held responsible by the workers compensation commission to provide them workers compensation coverage if there would be a claim.

*** This is not an all inclusive list; please consult your accountant and/or attorney in determining if a subcontractor is really an employee or not according to IRS and the workers compensation commission

If you use independent contractors you need to beware of the new laws for Maryland was effective October 1, 2009!

SB 909 amended the Labor and Employment Article.  This bill creates a presumption in the workers compensation law that an individual in the service of an employer is an employee and not an independent contractor. As a result, the burden will now be on the employer to prove that a worker is, in fact, an independent contractor (free of the employer’s control, paid other than hourly, not provided tools or materials, etc).

If your subcontractors do the following:

• Are doing work that would normally be done by employees
• You provide them with their equipment
• You have the right to hire/fire them
• You tell them HOW the work needs to be done
• You provide them with the jobs to do each day

Then they are not subcontractors they are employees and you do need to provide workers compensation coverage for them. 

You need to hold your subcontractors to the same standard that you are being held to by your contracts.   If you are using subcontractors then please call us to discuss.  We can tell you the charge on your liability insurance and workers compensation insurance coverage.  Call Huff Insurance 410-647-1111.

Does the IRS Classification Matter for Insurance?

Issuing a 1099-NEC correctly reports income to the IRS but does not alone determine whether a worker is an independent contractor for insurance or employment law purposes. Insurance companies, the IRS, and state regulators will look at the actual facts — such as control, independence, and financial responsibility — when evaluating whether someone is truly a subcontractor.

Insurance Audits and Uninsured Subcontractors

Insurance audits are one of the most common ways subcontractor issues turn into unexpected costs.

At the end of a policy period, insurance carriers review payroll records, 1099s, and payments made to subcontractors. They also request Certificates of Insurance to confirm that subcontractors carried their own coverage.

If a subcontractor cannot provide proof of insurance, the carrier may treat that worker as your employee for audit purposes — even if they were paid as a 1099. When this happens, the subcontractor’s payments may be added to your payroll, increasing your premium after the policy ends.

From an insurance standpoint, uninsured subcontractors often become your responsibility.

Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us at 410-647-111

Top Ten Reasons Why YOUR Business Needs Employment Practices Liability Insurance (EPLI)!

Employment lawsuits are on the rise—are you covered? Discover 10 essential reasons your business needs Employment Practices Liability Insurance (EPLI) , including coverage for ADA building and website compliance.

Why EPLI Is No Longer Optional

Running a business comes with its fair share of risks. But one area many business owners overlook is how expensive and damaging employment-related lawsuits can be—even if you’re in the right. Employment Practices Liability Insurance (EPLI) is designed to protect your business from these kinds of legal nightmares. And today, having EPLI isn’t just smart—it’s essential.

Let’s break down exactly why.

1. Employment Lawsuits Are Increasing

Workplace lawsuits have become more common and more expensive. Claims related to discrimination, harassment, and wrongful termination continue to climb, putting businesses of every size at risk. Even a single accusation can trigger legal costs that most small businesses can’t absorb. EPLI helps manage those risks.

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2. Legal Fees Alone Can Break the Bank

Even if a lawsuit doesn’t end with a settlement or judgment against you, just defending your business can cost tens—or even hundreds—of thousands of dollars. Attorney fees, court costs, and administrative expenses add up fast. EPLI helps cover those expenses so your business isn’t drained trying to stay afloat during a legal battle.

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3. Jury Awards and Settlements Are Higher Than Ever

When cases do lead to payouts, the amounts can be staggering. Whether settled in court or behind closed doors, compensation for claims like emotional distress or lost wages can cripple a business financially. EPLI provides a financial safety net, helping protect your cash flow and your company’s future.

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4. It Covers More Than Just Current Employees

Think it’s only your current staff you need to worry about? Think again. EPLI covers claims brought by former employees, job applicants, and even seasonal workers. If someone claims they were passed over unfairly, treated poorly, or wrongfully let go, this insurance can step in and help with legal defense and potential settlements.

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5. You Could Be Sued by a Customer or Vendor Too

Here’s where third-party EPLI comes in. If a client or vendor accuses one of your employees of discrimination or harassment, you could face a lawsuit—yes, even if the claim seems far-fetched. Without third-party EPLI coverage, your business would be on the hook for legal fees and damages. With it, you’re covered.

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6. ADA Compliance Lawsuits Are Growing

This is a big one—and relatively new. Third-party EPLI can also help with Americans with Disabilities Act (ADA) claims. If your building isn’t accessible, or your website isn’t user-friendly for people with disabilities, someone could file a lawsuit. These cases are becoming more common, especially as website accessibility guidelines become stricter. Adding third-party coverage to your EPLI can help protect your business from these evolving risks.

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7. Small Businesses Are Especially at Risk

Large corporations often have legal departments and HR teams to help prevent or manage claims. Smaller businesses? Not so much. If you’re a business owner juggling hiring, firing, and managing staff without much HR support, you’re more likely to face an employment-related issue—and less likely to have the resources to fight it.

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8. EPLI Policies Often Include Legal Defense

One of the biggest benefits of EPLI is that it often includes legal defense costs, even if the claim is groundless. Whether you’re facing a government investigation or a private lawsuit, having your legal expenses covered can mean the difference between weathering the storm and shutting your doors.

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9. Policies Are “Claims-Made”—Timing Is Everything

Most EPLI policies are written on a “claims-made” basis. That means the policy must be active when the claim is made—not just when the incident happened. If your policy lapses, and a former employee files a claim afterward, you could be left uncovered. Working with an experienced agent like Huff Insurance ensures your policy stays up to date and includes the right retroactive or tail coverage if needed.

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10. It Shows You Care About Doing Things Right

Carrying EPLI isn’t just about protecting your wallet—it also shows your team and customers that you take workplace issues seriously. Businesses that prioritize fair treatment and compliance tend to attract better talent, maintain stronger reputations, and reduce turnover. Plus, many EPLI providers offer HR tools and resources to help prevent problems before they start.

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Quick Recap: Why EPLI Makes Sense in 2025

• Lawsuits are rising – You need protection from financial devastation.
• Defense costs are high – EPLI helps pay legal fees even if you win.
• Settlements can be massive – Insurance cushions you from large payouts.
• ADA lawsuits are growing – Third-party EPLI adds vital coverage.
• Small businesses lack buffers – EPLI fills the HR and legal resource gap.

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FAQs: EPLI in Plain English

Q: What exactly does EPLI cover?
A: EPLI covers claims related to wrongful termination, discrimination, harassment, and other employment issues. It can also cover third-party claims, like ADA-related lawsuits filed by people who aren’t employees.

Q: Does EPLI include ADA website or building complaints?
A: With third-party coverage, yes. If someone claims your website or physical location isn’t accessible and takes legal action, third-party EPLI can help cover legal defense and settlement costs.

Q: I only have a few employees—do I still need EPLI?
A: Absolutely. Small businesses are often more vulnerable because they may not have formal HR processes in place. Even one claim can be financially devastating without this coverage.

Q: Is EPLI the same as general liability insurance?
A: Nope. General liability covers physical injuries and property damage. EPLI specifically handles employment-related claims and certain third-party issues like ADA lawsuits.

Q: What should I look for in an EPLI policy?
A: Look for broad coverage, third-party inclusions, clear definitions, and legal defense benefits. A good agent can guide you through the fine print.

Q: My employees are all family—do I still need EPLI?
A: Yes, you still need it. Even if everyone on your team shares a last name, disputes can still happen—and yes, family members do sue each other.  Plus, having only family employees won’t protect you from third-party claims, like a customer or vendor alleging harassment or discrimination. EPLI provides critical coverage no matter who’s on your payroll.

Why Choose Huff Insurance?

When it comes to EPLI, not all policies—or agents—are created equal. That’s where Huff Insurance comes in.

As an independent insurance agency, we work for you, not a single insurance company. That means we compare multiple carriers to find the right EPLI policy for your business’s unique risks—including ADA compliance and third-party coverage. Plus, we take the time to explain every part of your coverage, so you’re never left guessing when it matters most.

The Independent Agent Advantage

• Tailored Advice: We get to know your business before recommending coverage.
• Multiple Carriers: More options = better fit for your budget and needs.
• Advocacy & Support: When a claim arises, we’re in your corner from start to finish.
• Local Expertise: We understand Maryland businesses and the risks they face.

Conclusion:

EPLI might not be the flashiest insurance policy you’ll ever buy—but n today’s world, it just might be the one that saves your business. Let Huff Insurance help you protect what you’ve built and plan for a safer, smarter future.

We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products. Call us at 410-647-111

 

 

Back to School Shopping Safety Tips: Keep Your Family Safe While You Shop

Back to school season is here, and for many families, that means crowded stores, packed parking lots, and long shopping lists. While it’s fun to pick out new clothes, supplies, and gadgets, it’s also a time to be extra careful. Thieves and scammers know this season is busy, and they often take advantage of distracted shoppers. The good news? You can still enjoy your shopping trips without worry—if you take a few simple precautions. These back to school shopping safety tips will help you protect yourself, your purchases, and your peace of mind.

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Plan Ahead for Safer Shopping

A little preparation can make your entire trip less stressful and much safer. Choose a time of day when stores are less crowded—weekday mornings are ideal. If you can, do most of your shopping in daylight hours. Better lighting means better visibility, which can deter criminal activity.

Make a list before leaving the house so you can get in and out of stores quickly. The less time you spend wandering, the less opportunity there is for someone to target you.

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Be Mindful in Parking Lots

Parking lots are one of the most common places where theft occurs. They’re full of hiding spots for criminals, and shoppers often let their guard down as they load items into their vehicles.

When choosing a parking spot, aim for a well-lit area close to the entrance. If you’re shopping after dark, park near other vehicles and under a light pole whenever possible. Before getting out of your car, look around and make sure nothing feels suspicious.

When you return to your car, keep your head up and your phone away so you can stay aware of your surroundings. If something feels off, walk back into the store and ask for an escort to your vehicle.

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Keep Valuables Out of Sight

Nothing tempts a thief faster than visible bags, electronics, or wallets inside a car. If you’re making multiple stops, store your purchases in the trunk before you head to your next location. If your car doesn’t have a trunk, use a blanket or other cover to hide your items.

Purses, backpacks, and wallets should stay close to your body at all times. If you carry a bag, keep it zipped and over your shoulder so it’s harder for someone to grab. For extra security, cross the strap over your chest rather than letting it hang loosely.

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Stay Aware of Distractions

One of the most common theft tactics is distraction. Sometimes a person may bump into you, ask an unusual questi

on, or drop something in front of you—all to divert your attention while an accomplice targets your belongings.

If someone tries to distract you in a way that feels off, politely excuse yourself and move to a more public area. Trust your instincts; if something doesn’t seem right, it probably isn’t.

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Limit What You Carry

The more you carry, the easier it is to lose track of things. Only bring what you need for your trip. Instead of carrying large amounts of cash, use a debit or credit card. Keep identification and payment cards in a small, secure wallet rather than in an open pocket.

If you’re shopping with children, make sure you can keep one hand free at all times. This allows you to hold onto your belongings and keep better awareness of your surroundings.

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Protect Your Digital Purchases Too

If you’re shopping online for back-to-school items, remember that safety matters in the digital world as w

ell. Use only secure websites, avoid shopping on public Wi-Fi, and regularly check your bank account for suspicious activity. Cyber thieves can be just as dangerous as those in the store.

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What to Do If Theft Happens

Even the most careful shoppers can become victims of theft. If you return to your car and find a window broken or items missing, contact the police immediately to file a report. Then, call your insurance agent.

Many people don’t realize that homeowners and renters insurance often cover stolen personal property—even if the theft occurs outside the home. This can include items taken from your car. Your insurance agent can guide you through the claims process and help you replace what was lost.

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Keep Kids Safe While Shopping

Back-to-school shopping often means bringing kids along, which can add extra challenges. Young children can easily wander off in crowded stores, so keep them close. For older kids, set clear rules about where they can go and how to find you if you get separated.

Teach children not to share personal information, even if approached by someone who seems friendly. Remind them to alert you right away if anyone makes them uncomfortable.

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Safety Makes Shopping Stress-Free

With so many items to check off your list, it’s tempting to rush through your shopping trips. But a few moments of extra caution can prevent a lot of headaches later. By planning ahead, staying alert, and protecting your belongings, you’ll make back-to-school shopping a much smoother—and safer—experience.

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Frequently Asked Questions About Back to School Shopping Safety

1. Can my insurance cover items stolen from my car?
Yes. Many homeowners and renters insurance policies cover stolen personal property, even if it’s taken from your vehicle. The coverage details depend on your specific policy.

2. Is shopping during the day really safer?
Generally, yes. Daylight improves visibility and reduces hiding spots for criminals, making it harder for them to act unnoticed.

3. How can I keep my kids safe while shopping?
Keep them close, set clear rules, and teach them how to respond if they feel uncomfortable or get separated from you.

4. What should I do if I suspect someone is following me in a store or parking lot?
Go to a public area immediately. In a store, head to the customer service desk. In a parking lot, return to the store and ask for help.

5. How can I protect myself from online shopping scams?
Shop on secure, reputable websites, use strong passwords, and avoid entering personal information while on public Wi-Fi.

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Why Choose Huff Insurance for Your Family’s Protection?

At Huff Insurance, we understand that protecting your family’s belongings goes beyond the walls of your home. As an independent insurance agency, we offer personalized solutions that fit your lifestyle—not cookie-cutter policies.

Benefits of working with Huff Insurance:

• We shop multiple carriers to find the best value for you
• Personalized service from agents who know your needs
• Expert advice on coverage for theft, property, and liability
• Support during the claims process so you’re never
•  alone

The back-to-school season should be about excitement—not worry. With Huff Insurance, you’ll have the coverage and confidence you need to enjoy this time of year, knowing you and your belongings are protected.