--- title: Blog (3) description: Clarke & Sampson is an independent insurance agency located in Alexandria, Virginia. We offer our clients choices, competitive pricing, advocacy, and guidance. (3) --- - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) [![clarke&sampson](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/logo.png "clarke&sampson")](http://www.clarkeandsampson.com/) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) # Clarke & Sampson Blog [![](https://blog.clarkeandsampson.com/hubfs/work-5382501_1920-1.jpg) ](https://blog.clarkeandsampson.com/blog/cyber-risk-management-planning-prevention-response) ## [Cyber Risk Management: Planning, Prevention, and Response](https://blog.clarkeandsampson.com/blog/cyber-risk-management-planning-prevention-response) Dan Yokoyama | Wednesday, February 24, 2021 Today, almost every company stores data and information digitally. Information is essentially currency in today's society and it must be safeguarded. This means that companies should have a cyber risk management program that addresses prevention,.. [Read More](https://blog.clarkeandsampson.com/blog/cyber-risk-management-planning-prevention-response) ## [Credit History and Your Insurance Premiums](https://blog.clarkeandsampson.com/blog/credit-history-and-your-insurance-premiums) Scott Jefferson | Monday, February 1, 2021 # Why credit history matters As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. This FAQ section can help you understand how your score is calculated and how it could impact what you pay.. [Read More](https://blog.clarkeandsampson.com/blog/credit-history-and-your-insurance-premiums) ## [What is Water Back Up Coverage?](https://blog.clarkeandsampson.com/blog/what-is-water-back-up-coverage) Scott Jefferson | Monday, February 1, 2021 Whether it’s a sump pump failure or a clogged drain, water back up is one of the most common types of losses. It’s also one of the most misunderstood. Do you know how your homeowners insurance would respond? A standard homeowners policy provides.. [Read More](https://blog.clarkeandsampson.com/blog/what-is-water-back-up-coverage) ## [Personal Umbrella Liability Basics](https://blog.clarkeandsampson.com/blog/personal-umbrella-liability-basics) Scott Jefferson | Monday, February 1, 2021 As we all know, accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain.. [Read More](https://blog.clarkeandsampson.com/blog/personal-umbrella-liability-basics) [![](https://blog.clarkeandsampson.com/hubfs/Insurance.jpg) ](https://blog.clarkeandsampson.com/blog/understanding-coinsurance) ## [Understanding Coinsurance](https://blog.clarkeandsampson.com/blog/understanding-coinsurance) Matt Stephens | Monday, February 1, 2021 Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance clause. Often.. [Read More](https://blog.clarkeandsampson.com/blog/understanding-coinsurance) ## [Should I Purchase Rental Car Insurance?](https://blog.clarkeandsampson.com/blog/bid/338473/should-i-purchase-rental-car-insurance) Bill Howard | Friday, January 1, 2021 **Reasons Why You Should Not Purchase Rental Car Coverage:** 1. **You May Already Have Liability Insurance** - Liability coverage is provided from your personal auto policy subject to the same liability limits you have on your policy. 2. **You May Already Have..** [Read More](https://blog.clarkeandsampson.com/blog/bid/338473/should-i-purchase-rental-car-insurance) ## [Protecting Your Assets With An Umbrella Policy](https://blog.clarkeandsampson.com/blog/protect-your-assets-with-an-umbrella-policy) Scott Jefferson | Friday, January 1, 2021 | Your home and auto policies are designed to protect you from liability losses up to a certain dollar limit, but what if that limit is exhausted? Consider this scenario: you caused a major auto accident that resulted in $750,000 worth of bodily.. | | --- | [Read More](https://blog.clarkeandsampson.com/blog/protect-your-assets-with-an-umbrella-policy) [![](https://blog.clarkeandsampson.com/hs-fs/hub/289889/file-2098121352.jpg) ](https://blog.clarkeandsampson.com/blog/lessors-risk-only-insurance) ## [Lessors Risk Only Insurance](https://blog.clarkeandsampson.com/blog/lessors-risk-only-insurance) Scott Jefferson | Friday, January 1, 2021 Lessor’s Risk Only (LRO) Insurance , also known as Landlord’s Insurance, is a specific type of property and liability coverage designed for building owners. This type of insurance package is common among owners of apartment buildings, warehouses,.. [Read More](https://blog.clarkeandsampson.com/blog/lessors-risk-only-insurance) [![](https://blog.clarkeandsampson.com/hs-fs/file-336250690-jpg/images/home_security_photo.jpg) ](https://blog.clarkeandsampson.com/blog/bid/339933/four-reasons-to-have-a-home-security-system) ## [Four Reasons To Have a Home Security System](https://blog.clarkeandsampson.com/blog/bid/339933/four-reasons-to-have-a-home-security-system) Scott Jefferson | Friday, January 1, 2021 | Each year an average of 16.3 million reported burglaries occur, threatening life and property. It’s no wonder homeowners seeking peace of mind often turn to home security systems. Home security systems can be beneficial in a number of ways... | | --- | [Read More](https://blog.clarkeandsampson.com/blog/bid/339933/four-reasons-to-have-a-home-security-system) [![](https://blog.clarkeandsampson.com/hubfs/Harassment%20Claim.jpg) ](https://blog.clarkeandsampson.com/blog/coverage-insights-top-trends-in-employment-related-claims-epli) ## [Coverage Insights: Top Trends In Employment-related Claims (EPLI)](https://blog.clarkeandsampson.com/blog/coverage-insights-top-trends-in-employment-related-claims-epli) Scott Jefferson | Tuesday, December 29, 2020 Employers face a growing number of HR oriented risks. Keeping up with EPLI claims trends can help you make more informed decisions about how your HR department operates. Here are seven recent trends you should take into account when establishing.. [Read More](https://blog.clarkeandsampson.com/blog/coverage-insights-top-trends-in-employment-related-claims-epli) [Previous](https://blog.clarkeandsampson.com/blog/page/2) [All posts](https://blog.clarkeandsampson.com/blog/all) [Next](https://blog.clarkeandsampson.com/blog/page/4) #### Contact Clarke & Sampson, Inc Office: 703-683-6601 Fax: 703-739-8967 228 S.Washington St. Ste. 200 Alexandria, VA 22314 [Send an Email](mailto:sjefferson@clarkeandsampson.com) - [** ](https://www.facebook.com/clarkeandsampson) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest. Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2018 Agency Revolution. 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