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Beware: IRS Phone Scams Are Increasing! Jul 26, 2016
The IRS has announced that it has seen a surge in aggressive and threatening phone calls from criminals impersonating IRS employees.

We know this is true -- because a CLIENT of York Insurance Services received a similar phone call about 2 weeks ago from someone claiming to be from the IRS. The caller knew personal information about the client (his address!), and threatened to take legal action -- all this on a voice-mail message left on the PERSONAL phone land line of the client, at his home!

OBVIOUSLY this was very troubling to our client, with reason.
Here are some useful tips on how to identify and handle potential schemes.

Basically, the IRS will never:
• Demand immediate payment, or call about taxes owed without first mailing a bill.
• Demand that you owe money without giving you the opportunity to question or appeal the amount.
• Require a specific payment method, or ask for credit/debit card information over the phone.
• Threaten you with arrest or legal action (which is what the call our client received did).

So, if you receive a suspicious "from the IRS" phone call:

Do not provide any information!

Record the caller's name, ID number (ask for it!), call back number, and caller ID -- basically, anything you can get on the caller.

Call 1-800-366-4484 with this information to determine if the caller is an IRS employee with a legitimate need to contact you.

If the person calling you is an IRS employee, call the person back, but if the person is NOT, immediately report the incident to:
 
phishing@irs.gov
(e-mail address)
using the subject: IRS Phone Scam. INCLUDE ANY AND ALL DATA YOU HAVE, including date and time of the call, caller ID #, etc.

The more people do this, the more likely it will be that the authorities will stop the practice (or at least slow it down)!
Dont Buy Flood Insurance a Week Before the Storm Feb 4, 2016
... Because that’s too late. Get it NOW!
Truth is, most flood insurance policies must be in place for 30 days to take effect, so waiting until you hear that a late winter or early spring storm’s coming might be too late.

Plus, most homeowners insurance and automobile insurance policies do NOT cover flood damage.

If you visit our web site, you'll see a photo from Bel Air last summer. Suppose your car had been parked in that lot (on Moore’s Mill Road!) when the floods came? Don’t risk it.

You'll face our increasingly-violent storms a lot more comfortably when your home, business and automobile are appropriately insured — with a Flood Insurance Policy through York!
MORE ABOUT CYBER INSURANCE Oct 6, 2015
We've been keeping a steady drumbeat on this topic, and with reason! Here's another article that points it all out!

http://www.propertycasualty360.com/2015/10/01/demand-for-cyber-risk-insurance-market-on-the-rise?ref=hp-news
CYBER CRIME COSTS MOUNT -- are you SURE you're protected? Sep 15, 2015
As cyber crime costs continue to escalate—they are up by more than 9% to $12.7 million for U.S. companies THIS YEAR ALONE — cyber gaps can be a costly exposure for a small to medium business.
And - worst of all - many businesses THINK they are covered, but in reality, they are NOT covered from what is most likely to occur.
Give us a call and we will review your business protection! For more information, see this article:
http://riskconversation.com/blog/business/2015/06/15/cyber-criminals-bully-the-smaller/
THE WAREHOUSE OF THE UNEXPECTED Jul 22, 2015
THE HARTFORD -- one of the fine companies we represent -- has just released a series of amusing TV spots called "The Warehouse of the Unexpected" series -- showing how simple, everyday things can wreak havoc in any business -- and therefore why YOUR business needs protection each day, every day, every minute! Here is the link to these videos:

http://thehartford.com/dm/prevail/?cmp=EMC-SC-Prevail15-85367942
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Forest Hill, MD 21050
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