Covid 19 Update:

We hope this message finds you and your family safe and healthy. We are open and will continue to provide service during these challenging times.

In order to ensure the well-being of our clients, business partners and staff, we have limited visitor access to our office and have changed our office hours to 9:00am to 4:00pm, Monday to Friday.

Cyber Liability Insurance

The John L Raya Insurance Group is located in San Gabriel, CA. Though based in Southern California, we understand businesses throughout California. As an independent insurance agency, we review your options with multiple insurance companies by comparing protection and prices to find the best value for your business.

Theft of credit card data is front-page news and it is easy to think that only the big-box retailers or banks are at risk. But if your business stores or transmits any kind of personally identifiable information such as social security numbers, credit card numbers, health or financial records, you may be liable to your clients for their losses in the event of a data breach. In addition, you must pay the cost to notify your customers, and hire forensic experts to determine the cause of the breach. You may be liable for penalties imposed for violations of privacy laws. And worst of all, you may suffer the loss of your customers’ trust and the business relationships you have spent years building.

Do not assume that your General Liability policy provides adequate coverage for a data breach – most carriers offer nothing and some offer only a little. We will consult with you to assess your risk and tailor a Cyber Liability policy to fit your business operations and budget.

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