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Western Insurance Marketing Corporation
Protecting California and beyond since 1963.
When it comes to protecting your family and your business, don’t leave it up to chance. At Western Insurance Marketing Corporation, we are continuously striving to provide the proper coverage you need. With our experience and knowledge of California’s unique exposures, we believe we have what you need to protect yourself through everyday life.
When you work with our independent insurance agency, you’re getting the power of choice with a personal touch. Our team prides itself on the strong relationships we build with our clients by providing them with insurance policies they can count on. From simplifying the insurance process to finding appropriate coverage, we’re ready to assist you. Read more about us!
What We Bring to the Table
We are here to serve the needs of our customers.
Three Generations of Integrity
Five Decades of Commitment
A Team of Knowledgeable Advisors
Three Locations for Convenience
Thirty States Served With Care
“You have done a tremendous job searching and assisting us in finding proper insurance policies to match with our needs. You spent extra time to explain in more detail of purchased polices so we fully understood what we purchased.”Trung Anh Le
“I have had my house and auto insurance with Western Insurance for nearly 40 years and have always been very happy with their service. Kathy Widak always answers my questions and can tell me what policies to purchase for the best price.”Linda S.
See Why You Should Switch It Up
We love when our clients share their experience with us. Read some of our amazing feedback to see why you should make the switch.
“I am so grateful that you were able to continue to find different ways for me to save on my monthly insurance bills by eliminating coverages on my insurance plan that I wouldn’t need.”
– Danny L.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers. If this information is lost, stolen, or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.
Cyber liability coverage offers protection due to unauthorized access of electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your business.
If your company is faced with a data breach or cyber-attack, you may be forced to cover breach-related expenses such as crisis management, hiring a public relations firm to manage a data breach incident, costs associated with forensic analysis, the cost of repairing and restoring computer systems if there is a virus that destroys business software and data, and the loss of business income resulting from a data breach.
First-party coverage will insure your business for losses to your own data or lost income or for other harm to your business resulting from a data breach or cyber-attack. This coverage will pay you for things like business interruption, the cost of notifying customers of a breach, and even the expense of hiring a public relations firm to repair any damage done to your image as a result of a cyber-attack. Having this funding available in the event of a crippling hack can keep the lights on till you’re able to resume your normal business operations.
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
If your business handles sensitive customer data (such as email lists, credit card records or other files), data breaches pose a serious threat to your financial stability. A lawsuit resulting from a data breach means your business is responsible for paying legal fees, court-ordered judgments or settlements and other court-related costs.
Third-party coverage protects you in the event of a lawsuit brought by a customer or partner for a data breach that your business' actions or negligence allowed.
If your business experiences a data breach or violation of confidential information during regular business operations, you may be found in violation of privacy laws and be required to pay fines for the violations or other regulatory issues.
You may be eligible for regulatory claim coverage which would offer protection in response to proceedings related to disclosure laws and other governmental actions that can result in defense costs, fines and/or penalties. Coverage does vary and may be restricted by local law.
If hackers gain control of critical systems, they may demand a ransom be paid to avoid additional consequences. Sometimes these can be empty threats, but it’s impossible to know for sure. Paying the ransom can be costly. Taking a chance by choosing not to pay can sometimes put a company out of business.
Coverage for ransom and cyber extortion can be included in cyber liability policies and can help cover the cost of ransom to regain control of network systems. This is often not included in a standard policy, may include a separate sublimit and deductible, and may require adherence to certain conditions set forth by the insurer.
Cyber Liability Insurance 101
Make sure you cover the unique risks you face with cyber liability insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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