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ADVERTISING ( Local ) PHOTOGRAPHY

Jay Nesbit Michelle B . Griffin Mike Michalowicz Verne Harnish

Jay Nesbit

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4 CYBER INSURANCE : WHY YOU NEED IT AND WHAT TO LOOK FOR IN A POLICY

6 PERSONAL BRAND FOUNDATIONS : CHOOSING YOUR NARROW LANE APPROACH TO SET YOURSELF APART IN YOUR INDUSTRY Michelle B . Griffin

Your Trusted Partner In Protection And Peace Of Mind

9 MARKETING TO STOP THEIR SCROLL Mike Michalowicz

10 STOP “ GROWING BROKE ” BY PUTTING CASH MANAGEMENT FRONT & CENTER Verne Harnish

12 RECENT CHANGES TO PROPERTY INSURANCE COVERAGE THAT MAY AFFECT YOU

Welcome to another issue of Risk & Business Magazine ! We are thrilled to continue providing you with insights and resources to navigate the everchanging landscape of insurance and risk management . At Nesbit Agencies , our mission is more than just delivering excellent insurance solutions — we aim to empower our clients with knowledge that fosters resilience and confidence .

In this issue , we delve into two critical topics affecting businesses and property owners alike . First , we spotlight the evolving necessity of cyber insurance . With cyber threats growing more sophisticated and data breaches on the rise , traditional business liability policies are no longer sufficient to cover these risks . Our experts outline the essentials of cyber insurance , from understanding its importance to selecting a policy that fits your unique needs . Protecting your business from the financial and reputational damage of cyber incidents is no longer optional — it ’ s essential . Find out why on page 4 .

Next , we examine the recent changes to property insurance coverage that are catching many property owners off guard . From shifts in roof coverage to the increasing prevalence of percentage-based deductibles , understanding these adjustments is crucial to safeguarding your assets . Our feature breaks down these changes and offers actionable tips to ensure your policy provides the protection you need when disaster strikes . Learn more about navigating this complex landscape on page 12 .

We hope this issue inspires you to take a proactive approach to your insurance strategy . Our team is here to guide you through these challenges and help you make informed decisions . As always , we value your feedback . Share your thoughts , experiences , or questions and you might see your insights featured in a future edition .

Thank you for trusting us as your partner in risk management . Enjoy the magazine and stay prepared for whatever comes your way . +

Sincerely ,

TULIP MEDIA GROUP Toll Free : ( 877 ) 719-8919 info @ TulipMediaGroup . com • TulipMediaGroup . com

Jay Nesbit , Operations NESBITAGENCIES . COM

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