Two for Tuesday Header
In This Issue:
Hackers Never Stop Evolving
Protecting Big Places
Special Feature: Agility 2014 Wrap Up
Additional Items:
New Webinars
Holiday TRIVIA! Winners & Answers
Last Week's Most Clicked
Sale of the Week

Hackers Never Stop Evolving To Overcome New Anti-Hack Devices
Are we hearing more about companies getting hacked because the hackers are getting better at it or are companies just getting better at detecting successful hacks? We may never know, but as anti-fraud technology improves hacker attacks are expected to increase as well. Hacking is increasing because it's very profitable. Other types of attacks use commercially available malware to encrypt your files and then demand payment or your files will be lost forever. This recently happened to someone I know to a new computer they'd gotten less than two weeks earlier. Once they figure out how to monetize health information (blackmail, filing false claims, etc.) expect to hear about big breaches there as well, especially with the new personalized health monitoring devices and increasing use of electronic medical records.
You've seen the little gold sticker on credit cards. It's part of fraud-prevention technology called Chip and Pin or EMV, the standard in Europe. Counterfeiters can no longer just copy the magnetic strip. In the US on October 15th liability for counterfeit fraud shifts to the party (usually a bank) that processes the transaction which is incentive for them to drive their merchant vendors to switch over to this technology or a comparable one called Chip and Signature. Another method allows you to use your smartphone as a credit card by waving it over a reader.
Big companies can mean big paydays but smaller companies can make for easier targets as they lack the sophisticated anti-hacking technology. In 2012, seventy-two percent of security breach or data loss incidents were in companies with 100 or fewer employees. Master Pac products through Travelers Select offer optional coverage* for data breach for smaller companies including the following:
Find out more by selecting one of the Master Pac products at

* CyberFirst Essentials not available in AR, LA, MT, NM, SD, or VT.  
Special Feature:
Agility 2014 Wrap Up
by Elif Wisecup Director of Marketing of Big I Advantage®

It's hard to believe we're entering the last week of 2014. To help prepare you for a safe and "ready" new year, Big "I" endorsed disaster recovery provider Agility has compiled a list of popular tips from 2014 including stories from recovered Agility members and the West Virginia oil spill.
Learn more at  
Protecting the Really Big Places
In October Springfield Mall (now Springfield Town Center) near our offices reopened after 2 years and $250MM of renovations. Even before it opened the owners announced they would sell it for $465MM in March of 2015. That is a lot of mall, a lot of money, and it needs a lot of specialized protection. The kind of coverage for which your average property product is not adequate. It calls for Highly Protected Risk and Fireman's Fund expertise and capabilities deliver benefits even beyond traditional HPR coverage.
If you have large, property driven commercial clients with a proven interest in risk management Fireman's Fund has in-house capacity of $600 million under a single roof. The Highly Protected Risks program is for large mono-line property schedules $100mm TIV and greater for superior properties manufacturing TIV schedules $50mm TIV and greater.
Target Classes include:
  • Real Estate Management/Trusts (Lessor's Risk, Class A office buildings, Shopping centers; no development, low turnover on scheduled properties)
  • Regional Hospitals
  • Private schools, colleges and universities
  • Manufacturing (Including some food processing)
  • Luxury condos (only non-coastal, newer, fully sprinklered, MNC)
  • Upscale Mixed-use properties (combines condos, retail and restaurants on one campus, not a market for mixed-use frame habitational)
  • Retail
  • Distribution/Wholesale
  • Warehouse (no Warehouse Legal available, proper sprinkler protection for the exposure/racks required)
  • Capacity up to $600mm in-house under one roof, schedules up to $3B
  • Low minimum premium of $25,000
  • True HPR Engineering services to consult with Insureds on building construction for up-fits, new-construction, and maximizing credits
  • Boiler and Machinery Coverage reinsured through Hartford Steam Boiler
  • NUMEROUS Additional Coverages available for Hospitals (outlined in proposal).
  • Green Endorsement, broadest in the industry which allows for existing LEED Certified OR standard buildings to be re-built Green in the event of a loss
Coverage Availability:
  • Fireman's Fund preferred Property Form is available in all 50 states; International locations can be contemplated with 90 day lead time. Log into for more details.  
New Webinars
Remember that you can view the following webinars 24/7 by checking out the BIM Webinar Library. To do that log onto Big "I" Markets and click on "Publications".
Interested in learning flood marketing techniques? Participate in the "Oh, By the Way...Flood Sale" webinar presented by Big "I" Flood Program Manager, Jeff St. John. Topics in the fast-paced 1 hour presentation include: Reasons to Sell Flood Insurance • Reasons Consumers Should Buy • Limited Product Knowledge • Misconceptions by Agents & Consumers • Talking Points & Myth Busters • The Flood Risk • Flood Resources – Facts & Statistics.
Webinar dates:
For all you folks who recently registered for Big "I" Markets, remember you can participate in a webinar from the comfort of your office to help you learn how to navigate around the system. Every Thursday at 2:00 p.m. EST we'll show you how to navigate the Big "I" Markets platform, including how to submit a quote! Register for the webinar by sending an email with your name and company name to Include "Website Navigation Webinar" in the subject line or body of your email. A recording of this webinar can be found under "Publications" after logging into Big "I" Markets.

There will be no Training Webinar on Thursday, January 1st.
Last Week's Most Clicked Links
Here are the top three items that got BIM agents clicking from our last edition... see what you missed!
  1. ACE's Affluent 10 Question Checklist
  2. Zoltar Machine  
  3. Caliper Personality Testing  
Big "I" Markets Sale of the Week
Congrats to our agent in Georgia on a habitational sale of $8,722 in premium!  

Tuesday, December 30, 2014

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TFT is authored by Michael Welch
Big "I" Markets Service Coordinator