Hilb Group NE - OPI

06/16/2026

🔒 Cyber Liability Insurance: Not If, But When

A single data breach now costs small and mid-sized businesses anywhere from $120,000 to over $1 million in downtime, legal fees, and reputational damage. Even more alarming: 60% of small businesses hit by a cyberattack go out of business within six months. Average ransom demands for small/medium businesses have climbed to $84,000, with total recovery costs often exceeding $500,000 — and AI-powered phishing is making attacks more convincing than ever. GSDSolutionsAstra Security

Cyber liability insurance helps cover:

✅ Breach investigation & legal fees

✅ Customer notification & credit monitoring

✅ Regulatory fines

✅ Business interruption losses

Your firewall won't pay your legal bills. Insurance is the safety net that keeps a bad week from becoming a business-ending event.

Talk to Hilb Group today about a policy that fits your risk profile. 🛡️

06/16/2026

🔒 Cyber Liability Insurance: Not If, But When

A single data breach now costs small and mid-sized businesses anywhere from $120,000 to over $1 million in downtime, legal fees, and reputational damage. Even more alarming: 60% of small businesses hit by a cyberattack go out of business within six months. Average ransom demands for small/medium businesses have climbed to $84,000, with total recovery costs often exceeding $500,000 — and AI-powered phishing is making attacks more convincing than ever. GSDSolutionsAstra Security

Cyber liability insurance helps cover:

✅ Breach investigation & legal fees

✅ Customer notification & credit monitoring

✅ Regulatory fines

✅ Business interruption losses

Your firewall won't pay your legal bills. Insurance is the safety net that keeps a bad week from becoming a business-ending event.

Talk to Hilb Group today about a policy that fits your risk profile. 🛡️

The Hilb Group (formerly OceanPoint Insurance,) a RI insurance agency, offers Cyber Liability Insurance from a selection of the top-performing insurance carriers. Call: 401.847.5200

06/10/2026

Atlantic hurricane season runs June 1 through November 30 — and it's already underway.

At Hilb Group, we know that the best time to review your coverage and your emergency plan is before a storm is named — not after. A well-prepared household or business is better positioned to recover quickly when it matters most.

The Rhode Island Emergency Management Agency (RIEMA) has published a free Hurricane Preparedness Guide covering everything from building an emergency kit to understanding your evacuation zone. We encourage every Rhode Islander to review it.

📋 Download the RIEMA Hurricane Preparedness Guide: https://bit.ly/4dWEUyQ

Key steps RIEMA recommends:
✅ Make a Kit — water, food, medications, flashlight, waterproof document copies
✅ Make a Plan — know your evacuation routes and shelter locations
✅ Stay Informed — sign up for local emergency alerts

Have questions about whether your home or business coverage is storm-ready? We're here to help.

06/08/2026

The standard policy limit trap. 🏛️

If you own a historic home in Rhode Island—whether it’s a Gilded Age cottage off Newport’s Bellevue Avenue or a meticulously restored Colonial on Providence’s Benefit Street—your home is irreplaceable.

But is it properly insured?

Most standard homeowners policies rely on a traditional "replacement cost" model.

The problem?
Standard models calculate cost based on modern, mass-produced materials. They don’t account for the true cost of sourcing 18th-century reclaimed timber, replicating hand-plastered crown molding, or hiring the rare specialty craftsmen required to restore historic architecture.

If a disaster strikes, a standard policy cap can leave you facing massive out-of-pocket expenses just to preserve your home’s architectural integrity.

The Solution:
Guaranteed Replacement Cost Coverage.

For high-value historic estates, specialized insurers offer a critical safeguard. Guaranteed Replacement Cost coverage ensures that your home will be rebuilt to its exact, original historical specifications using the precise materials and craftsmanship it demands—even if the final cost exceeds your policy's face-value limit.

Don't wait for a claim to find out your history isn't fully protected.

If you have any questions about your estate's insurance coverage and any policy gaps that may exist, please call us at 401-847-5200 or request a quote; we love answering questions about insurance! 😀

06/04/2026

Ever wonder what your pride and joy 🚘 is actually worth in today’s market? 💵

Standard auto insurance treats classic cars like regular daily drivers—meaning they depreciate your investment the second something goes wrong. Our friends at Hagerty Insurance take a completely different approach.

With their Guaranteed Value® coverage, you agree on the exact value of your vehicle upfront. If the unthinkable happens, you get every single cent of that insured value. No depreciation. No hassle. Just pure peace of mind.

Want to see where your ride stands today? Drop your year, make, and model in the comments, or hit the link below to check out the Hagerty Valuation Tool! 👇

🔗 https://www.hagerty.com/valuation-tools

06/01/2026

If your jewelry or luxury watch collection includes gold, the insurance policy you bought a few years ago might only cover a fraction of what it’s actually worth today. 📈🚨

The price of gold has absolutely skyrocketed over the past few years:

June 2021: Gold was trading at roughly $1,800 to $1,900 per ounce.

Today (June 2026): The market has surged, with live spot prices breaching $4,500 per ounce—an astonishing increase of over 135%! 💸

❓ Is Your Asset Value Current?
If you own high-ticket gold pieces, custom jewelry, or luxury watches, ask yourself:

- Do I have dedicated Valuable Items coverage?

- Is the listed value accurate based on today’s surging market?

The Bottom Line: Your assets are worth significantly more today than they were just a few years ago. Don't wait for a loss to realize your coverage didn't keep up.

If you have any questions about your valuable items insurance coverage, please call us at 401-847-5200 or request a quote; we love answering questions about insurance! 😀

Hilb Group (formerly OceanPoint Insurance) offers valuable items insurance to protect your engagement/wedding rings, antiques, silverware & other valuable items.

05/26/2026

🌊 Keeping the Ocean State Safe: A Post-Memorial Day Reminder

With Memorial Day in the rearview, Rhode Island is officially heading into swim season. But as we dive into summer, the Rhode Island Department of Health (RIDOH) is issuing an important reminder: Drowning is the single-leading cause of death for children ages 1-4.

As Director of Health Jerry Larkin, MD, recently noted, "Drowning can happen to anyone. It’s quick and it’s silent." At Hilb Group, we want to make sure your summer memories are only happy ones.

🏊 New for 2026: Accessible Swim Lessons
Rhode Island has launched new partnerships to help every child learn to swim:

- Stages of Freedom: Offering free swim lessons for young Rhode Islanders (ages 5-19) at several YMCAs across the state.

- PAL Program: Adaptive swim scholarships are now available for children with physical limitations or diverse learning needs.

Learn more and see the full safety report here:

🔗 ri.gov/press/view/50867

Stay safe, Rhode Island! Let’s look out for one another this summer.

The Official Web Site of the State of Rhode Island

05/23/2026

The most overlooked layer of home defense doesn’t go on your windows. 🛡️

When we think about home security, we think of deadbolts and alarm systems. 🔒 But the biggest threat to everything you’ve built isn’t a break-in—it’s a lawsuit. ⚖️

True protection doesn’t stop at your property line. An icy sidewalk slip 🧊 , a backyard pool mishap 🏊‍♂️ , or an unexpected dog bite 🐕 can instantly exhaust the liability limits on standard home or auto policies. Once those limits are gone, your personal savings, home equity, and investments are left completely exposed. 💸

Enter the Personal Umbrella Policy. ☂️

It acts as an extra safety net, kicking in precisely where your primary coverage maxes out to defend your financial future:

💼 For High-Net-Worth Households: It is an absolute necessity. Visible assets make you a prime target for major lawsuits. A robust umbrella policy safeguards multi-generational wealth, property portfolios, and investments.

🏡 For Every Rhode Island Family: It is one of the most cost-effective ways to buy peace of mind, protecting your hard-earned assets and future earnings for a remarkably small premium. 🌱

Whether you are safeguarding a historic coastal estate or a growing family’s first suburban home, don't wait for a rainy day to find out where your coverage ends. 🌧️

🔗 Contact our team today to audit your liability exposure: https://bit.ly/3x9UiEV

Protect you and your family with personal Umbrella Insurance (supplemental liability coverage) from the Hilb Group (formerly OceanPoint Insurance).

05/22/2026

In observance of Memorial Day, our offices will be closing early on Friday, May 22nd at 2:00 PM and will reopen for regular business hours on Tuesday, May 26th. 🇺🇸

If you have any urgent needs, we encourage you to reach out to us before our early closing time on Friday so we can assist you promptly.

For claims support while our offices are closed, you can find a complete list of our direct carrier claim numbers on our website here:
🔗 Carrier Claim Numbers - Hilb Group New England [Insert Link]

We wish all of our clients, partners, and friends a safe, meaningful, and enjoyable holiday weekend! ☀️

In the event of an emergency, you may contact us: Doug Mayhew (401) 439-9824, John Kaull (401) 743-2226 or Matthew Clarke (401) 423-1111

05/18/2026

With temperatures finally hitting that gorgeous summer stride this week across RI, it is officially grilling season! ☀️🍔

If you are firing up the grill for the first time since last summer, taking just 5 minutes for a quick safety check can save you from a major homeowner's insurance headache (and a ruined dinner).

Before you strike that match, run through this quick "First Fire-Up" Checklist:

🔥 1. The 10-Foot Rule: Pull the grill at least 10 feet away from vinyl siding, deck railings, and overhanging branches. Vinyl siding melts incredibly fast from trapped heat!

🧼 2. Do the "Bubble Test" (For Gas Grills): Hoses can crack over the winter. Wipe a 50/50 mix of dish soap and water onto the hoses, turn the propane on (burners off), and look for bubbles. If you see any, you have a leak—replace the hose before cooking.

🕷️ 3. Clean Out the Winter Critters: Spiders love to nest inside burner tubes, causing dangerous blockages. Clear them out and scrape away old grease traps to prevent sudden flare-ups.

Always open the lid before lighting, keep a fire extinguisher nearby, and never leave a hot grill unattended.

Check out the video 👇

Here’s to a safe, delicious, and warm week ahead, and a glorious summer 🤞 🌭✨

Guy Colonna from NFPA® gives some helpful and easy tips for inspecting your gas grill for any gas leaks at home. When you are ready to use your gas grill for...