GMM Insurance

Cybercrime is not only a problem for huge corporations.
Small and mid-sized businesses can be attractive targets because criminals know they may have fewer cybersecurity resources in place.

One compromised email account, fraudulent transfer, ransomware attack or customer data breach can create a very expensive problem.

Cyber insurance can be an important part of a modern business insurance strategy, but coverage can vary significantly between policies.

If your business depends on computers, email, online payments or customer information, cyber risk deserves a conversation.

Call GMM Insurance at 803-739-2345 to talk about whether cyber coverage belongs in your business insurance plan.

Falling leaves can be beautiful.

A clogged gutter overflowing next to your roof? Not quite as beautiful.
Leaves and debris can prevent water from draining properly, contributing to roof, siding and foundation problems over time.

Before fall is in full swing, clean your gutters, inspect downspouts and check areas around your home where water tends to collect.

A little preventative maintenance now can help protect your home when fall rain and winter weather arrive.

For help making sure your homeowners coverage is ready for the season ahead, call GMM Insurance at 803-739-2345.

Hiring seasonal help this fall?

Whether you are adding employees for a busy season, preparing for holiday demand or simply growing your team, hiring changes more than your payroll.
New employees can create changes in workers’ compensation exposure, vehicle use, job duties and overall business risk.

Before the busy season gets underway, make sure your insurance agent knows what is changing inside your company.

The best time to find a gap in coverage is during a conversation, not during a claim.
Growing your team? Call GMM Insurance at 803-739-2345 and make sure your business coverage is growing with you.

Have you added anything to your home this year?

Maybe you renovated the kitchen, finished a room, built a deck, added a shed, purchased new furniture or finally bought some of the electronics you had been wanting.

Those changes can affect how much it would cost to repair, replace or rebuild what you own.

Your homeowners policy should not be something you purchase once and forget about for years.

Fall is a great time for a quick coverage review so there are fewer surprises when you actually need your insurance.

If your home has changed this year, your coverage may need to change too. Call GMM Insurance at 803-739-2345 for a policy review.

Could your business keep operating if your building suddenly became unusable?

Property damage is only one part of a major loss. The bigger financial challenge can sometimes be what happens afterward when operations slow down or stop.

Business interruption coverage may help with certain ongoing expenses and lost income following a covered loss.

That makes this an important question for every business owner:
If something shut your doors tomorrow, how long could your business comfortably operate without its normal revenue?

Let’s make sure your insurance plan considers more than just replacing damaged property.

Call 803-739-2345 to talk with GMM Insurance about protecting the income and operations behind your business.

Cooler weather is coming, which makes now a great time for a fall home checkup.
Clean gutters, inspect your roof, check trees near your home, test smoke detectors and take a look at outdoor areas that could become slippery once leaves start falling.

Preventative maintenance cannot stop every loss, but it can reduce the chances of a small issue becoming a much bigger one.

And while you are checking your home, it is also a good time to make sure your homeowners coverage still reflects the home you are protecting today.

Have questions about your homeowners policy? Call GMM Insurance at 803-739-2345 and let’s make sure your coverage still fits your home.

Fall can be one of the busiest seasons for many businesses, but increased activity can also mean increased risk.

More customers coming through the door, seasonal employees, deliveries, special events, changing weather and busier parking lots can all create exposures that may not have been top of mind during the summer.

This is a good time of year to review your business insurance and make sure your coverage still matches the way your company operates today.
Your business changes. Your insurance should keep up with it.

Call GMM Insurance at 803-739-2345 to review your commercial coverage before the busy season gets underway.