Cyber Liability and Data Security

Do you think you have no exposure?

  • Restaurant point of sale machines breached – cardholders became ID theft victims – affected 1,000 card holders
  • Real estate agency is sued by e-commerce organization.  Agency computers were attacked by malware virus which attacked e-commerce firm’s servers – $50,000 defense costs – $30,000 in damages
  • Retail appliance store keeps names, addresses, phone numbers and spending habits of customers. A hacker gains access to information and sells it.  $10,000 defense costs and State Fine $30,000
  • Small family restaurant found they unintentionally stored credit card numbers in their point of sale system. Payment card processor demanded indemnification for fines assessed by credit card companies who alleged data breach.  Payment card processor withdrew $10,000 from restaurant bank account and sued them for $80,000

Yes, even small business is open to lawsuits because their computer systems and processing is easier to hack by criminals.  Just think of all the data you have or that passes through your business.  Can you afford to pay $30,000, $50,000, $90,000 or more for data breaches?

New Data & Cyber Breach policies are available, and are reasonably priced.  They cover the above issues and more and would be in separate from your South Carolina business insurance policy. 

Contact Ken Groff today at or 843-706-3690 for an indication or quote!


Does your College Student Need Personal Property Insurance?

August is the time of year when kids and college students go back to school.  So are you and your college student prepared?  The parents of college students moving to on-campus or off-campus housing should review their insurance policies to make sure their children’s personal possessions are covered while they are away at school.  So where do you start?

One idea is to create a list of all the items your student plans to bring to school and the estimated value of those items.  The higher value items such as computers, cell phones, and cameras should be kept at the top of the list.

Some homeowners and/or renters policies include protection for a college student’s personal possessions while they are away from home.  Some policies may limit the amount of coverage for a college student’s belongings to 10 percent of the total amount of a policy’s overall coverage for personal possessions.  For example, if the parents have $100,000 worth of personal possessions insurance for the family’s primary residence, only $10,000 would be applicable to possessions in their full time student’s dorm room.

Basically, this is a good time to contact your South Carolina insurance agent or company representative.  College is a major life event that may cause for changes in your insurance coverage and sometimes reminds you of other changes you have made in your household. Make sure you are prepared when your student is either starting college or returning for a new year.

August Events in Bluffton and Hilton Head

We can’t even believe it is August already! Where has our Summer gone? Check out these fun events to end your Summer with a bang!

August 13, 2012
6:00-9:00 pm
Shelter Cove Harbour’s signature summer event, featuring live entertainment, food, arts and crafts, bouncy houses, fireworks and other fun activities.  Shannon Tanner, the entertainer, returns for his 25th season with shows at 6:30 and 8:00 pm.  Cappy the Clown will be there from 6:00-9:00 pm.  Bring the whole family to this exciting, kid-friendly festival.  Parking and admission are free.  There will be food, drinks, and other concessions.
Location: Located mid-island at mile marker 8, across from Palmetto Dunes Oceanfront Resort
Contact: Call 843-686-9098 or visit

August 16, 2013
Dog Days of Summer Rocking Hot Summer Night
5:00-9:00 pm
This is part of the Bluffton Sunset Party Series and is in its second year.  There is will a food court and tickets are available at the door for $.  Admission for children under 12 is free.  Lawn chairs and leashed pets are permitted, but no outside food or drinks will be allowed.
Location: Oyster Factory Park on the May River
Contact: Bear Foot Sports at 843-757-8520

August 24, 2013
2nd Annual Boiled Peanut Festival
2:00pm – 8:00pm
Join the rest of the Town of Bluffton to celebrate the official snack of South Carolina!
The Peanut Cook off & Tasting @ 5:30pm
Worlds Largest Boiled Peanut 2-8
Boiled Peanut Eating Contest @ 4:00
Ms. Peanut & Lil Goober Contest @ 3
There will be food vendors, craft beers and music all day!

August 30-September 1, 2013
32nd Annual Hilton Head Island Celebrity Golf Tournament
The popular Labor Day weekend event matches amateur golfers with intriguing celebrities- representing sports and entertainment-for three days of world class golf and exciting evening activities.  In addition to providing a fun, family-friendly experience and unique corporate sponsorship opportunities in a beautiful vacation destination, the Hilton Head Island Celebrity Golf Tournament benefits 20 well deserving children’s charities in the South Carolina Lowcountry.
Location: Robert Trent Jones Oceanfront Course at Palmetto Dunes Resort, Arnold Palmer Signature Course at Wexford Plantation, and Harbour Town Golf Links at The Sea Pines Resort
Contact: Call 843-842-7711 or visit

August 31, 2013
7th Annual Island Run for Ret
8:00 am
This event is hosted by the RET Pediatric Cancer Foundation.  It will take place on the roads and trails of the Sea Pines Forest Preserve, a 605-acre, pristine maritime forest environment.  The 5K run/walk is open to all levels and ages and will feature age brackets and overall prizes.  Starts at 8:00 am.
Location: Hilton Head Preparatory School, 8 Fox Grape Road
Contact: Call 843-422-2936 or email

National Lighthouse Day: Harbour Town Lighthouse

National Lighthouse Day is on August 7th.  This day honors and commemorates a beacon of light that symbolizes safety and security for boats at sea.  The history started on this day in 1789.  The U.S. Congress enacted legislation allowing the federal government control over the creation and maintenance of lighthouses.  Lighthouses are not used as much these days to guide ships to port since the use of radar and GPS technology, but they remain a universal symbol of safe harbor to ships.  There are many local and national lighthouse preservation societies and lighthouse organizations.  On Hilton Head Island we have our own lighthouse in the Sea Pines community called the Harbour Town Lighthouse.

Here are a few interesting facts about the Harbour Town Lighthouse:

  • Construction began in 1969 and was completed in the spring of 1970
  • The lighthouse is positioned as the backdrop for the final hole of the Harbour Town Golf Links
  • The red and white octagonal lighthouse, seen by millions of tourists, boaters, and golfers, has become a widely recognized landmark and a symbol for all of Hilton Head Island
  • As you climb the tower, you can read displays on each of the nine landings
  • Between 2001-2002, around $200,000 was spent on renovating the lighthouse