Morgenstern Insurance

10/13/2026

When people hear "cyber insurance," they usually think business coverage. But personal cyber policies exist too, and they cover risks most families don't realize they're facing until something goes wrong.

3 personal cyber risks your homeowners policy likely won't cover:

1️⃣ Identity theft recovery. If your identity is stolen, the average out-of-pocket recovery cost is thousands of dollars (plus 100+ hours of your time). Personal cyber policies cover the forensics, legal fees, and lost wages while you sort it out.

2️⃣ Cyber extortion at home. Ransomware doesn't just target businesses. Personal devices get locked too, especially through phishing emails and compromised home networks. Coverage pays the recovery costs, sometimes even the ransom itself.

3️⃣ Online fraud and social engineering. If someone tricks you into wiring money (fake real estate closing, romance scam, "grandparent scam"), your bank often won't reimburse you. A personal cyber policy might.

Personal cyber coverage often costs less than $200/year and can be added to your homeowners policy as an endorsement. Worth a conversation, especially if you work from home or manage finances online.

10/09/2026

Reviews like this are exactly why we do what we do. 💙

A big thank you to our client for sharing this feedback. That combination - real savings, quality coverage, and a simple process - is what we work toward for every client who trusts us with their insurance.

Curious what a fresh look at your coverage could uncover? Let's start the conversation: https://www.morgensterninsurance.com/contact

10/05/2026

October is Cybersecurity Awareness Month and for small business owners, the cyber insurance market is at an interesting inflection point.

Right now, cyber insurance is still relatively affordable. Q1 2026 marked the 8th consecutive quarter of pricing cuts in the U.S. cyber market. But that softening is not expected to last... S&P Global Ratings is forecasting a 15–20% premium increase as claim severity catches up.

A few numbers worth knowing:
➡️ Only 17% of U.S. small businesses currently carry cyber insurance.
➡️ Third-party cyber claims are trending up 30%.
➡️ The average cyber claim now runs about $100,000, and businesses under $25M in revenue are seeing claim frequency up 21% year over year.

The window to lock in current pricing is narrowing. If your business doesn't have cyber coverage yet - or hasn't reviewed the policy you do have - the next few months are the moment.

👉 Read the full market update from Insurance Journal: https://www.insurancejournal.com/news/national/2026/06/30/875802.htm

Our commercial team is happy to walk you through what coverage actually costs and what it covers.

The U.S. cyber insurance market may be facing a time of transition as certain signs point to eventual adverse development. According to AM Best, the

10/02/2026

We are excited to introduce the newest member of our Personal Insurance team, Heather McClure! 👏

Heather brings nearly 20 years of insurance industry experience and has joined Morgenstern Insurance as a Personal Lines Account Executive. She will be working closely with Connie Pullinzi and Matthew Harding to support our clients and continue delivering the high level of service you have come to expect from our agency. She has quickly become an important member of our team, and we're confident you'll enjoy working with her.

One of our goals is to continually strengthen our ability to serve clients while maintaining the personal relationships that set us apart. Adding Heather to our team helps us do exactly that.

Please join us in welcoming Heather to the Morgenstern Insurance family!

👉 Learn more about her: https://www.morgensterninsurance.com/about

09/30/2026

LIMRA research shows about 1 in 6 employees don't realize they have life insurance through work and even those who know often can't say how much coverage they have or whether it's enough.

Here's where a good benefits broker adds real value at renewal:

✔️ Coverage design: building a group life program that actually fits your workforce, not just what the carrier is pushing this year
✔️ Voluntary buy-up options: giving employees an easy way to add coverage above the base amount, often at group rates
✔️ Portability and conversion features: making sure employees know what happens to their coverage if they leave
✔️ Employee education: helping your team actually understand and value what you're offering (a benefit no one understands is a benefit no one appreciates)

Heading into fall renewal season, a group life review is one of the highest-leverage things a benefits team can do. Let's talk.

09/22/2026

Celebrating 4 years with Matt Harding! 🎉

Ask any of our personal insurance clients what sets Matt apart, and you'll hear the same themes: he takes the time to explain how insurance actually works, he builds real relationships, and he's the one you want in your corner when a claim hits a gray area. Four years ago, he joined Morgenstern... and our clients and our team have been better for it ever since.

We asked Matt to share a bit about what he does:

Q: What's your favorite part of the job?
A: "I enjoy educating clients on how insurance works and providing valuable solutions to protect their assets. While many brokers focus primarily on price, I take a more informative approach that balances coverage, cost, and claims experience based on each client's unique situation. I primarily work with affluent households across the country, and tailoring customized insurance programs to meet their specific needs is my specialty."

Q: What's your best advice for clients?
A: "Building a relationship with an experienced broker is one of the best ways to protect your assets. Anyone can purchase insurance online, and they may even save money in the process, but when a major claim occurs, it's important to have confidence that there are no coverage gaps and that the claim will be handled properly. I've seen countless situations where the cause of loss fell into a gray area and, without strong advocacy on behalf of the client, the claim could have been denied. Having a trusted relationship with your broker provides peace of mind and confidence that you're protected when a catastrophic situation arises."

Congratulations on 4 years, Matt, and thank you for everything! 👏

Learn more about Matt: https://www.morgensterninsurance.com/about

09/20/2026

To all those observing Yom Kippur, we wish you a meaningful day of reflection, atonement, and peace.

G'mar Chatimah Tovah from the Morgenstern family.

09/16/2026

Life Insurance Awareness Month is a good moment to clear up the misconceptions that keep families underinsured.

🚫 "It costs too much." LIMRA research shows most Americans overestimate the cost of term life insurance by 3x. For a healthy 35-year-old, a $500,000 20-year term policy often costs less than $25/month.

🚫 "My work policy is enough." Most employer-provided life insurance covers just 1-2x your salary. Financial planners typically recommend 10-12x. And when you leave the job, that coverage usually leaves with you.

🚫 "I'll get it later." Every year you wait, coverage costs more... and one unexpected diagnosis can make you uninsurable overnight. The cheapest and easiest time to buy life insurance is always right now.

If it's been more than 3 years since you looked at your life insurance - or if you've never really looked at all - this is a good month for a fresh conversation.

09/11/2026

As Rosh Hashanah begins at sundown, we wish all those celebrating a year of health, joy, and sweetness.

Shanah Tovah from all of us in the Morgenstern family.

09/11/2026

Today, we pause to remember the lives lost on September 11, 2001, and to honor the first responders, service members, and everyday heroes who ran toward danger when the world needed them most. 🇺🇸