Tag Archives: learntitle

Title Insurance Issues

How to create a strong password

ALTA Best practices encourages the use of strong passwords for your computer systems. Passwords provide the first line of defense against unauthorized access to your computer. The stronger your password, the more protected your computer will be from hackers and malicious software. You should make sure you have strong passwords for all accounts on your computer. If you’re using a corporate network, your network administrator might require you to use a strong password.

Check the strength of your password here

What makes a password strong (or weak)?

A strong password:

  • Is at least eight characters long.

  • Does not contain your user name, real name, or company name.

  • Does not contain a complete word.

  • Is significantly different from previous passwords.

  • Contains Uppercase letters, Lowercase letters, numbers and symbols

A password might meet all the criteria above and still be a weak password. For example, No1password! meets all the criteria for a strong password listed above, but is still weak because it contains a complete word. N01 p@ssw0rd! is a stronger alternative because it replaces some of the letters in the complete word with numbers and also includes spaces.

Help yourself remember your strong password by following these tips:

  • Create an acronym from an easy-to-remember piece of information. For example, pick a phrase that is meaningful to you, such as My daughter’s birthday is 28 October, 1974. Using that phrase as your guide, you might use Mdbi28/Oct,74 for your password.

  • Substitute numbers, symbols, and misspellings for letters or words in an easy-to-remember phrase. For example, My daughter’s birthday is 28 October, 1974 could become MiDauBrthd8iz 281074 (it’s OK to use spaces in your password).

  • Relate your password to a favorite hobby or sport. For example, I love to play basketball could become ILuv2PlayB@sk3tb@ll.

If you feel you must write down your password in order to remember it, make sure you don’t label it as your password, and keep it in a safe place.

Check the strength of your password here

Continuing Education

Title Agent E&O Course Available on Learntitle

Approved for 1 credit
Enroll Here

Due to the litigious nature of society today, professional liability insurance (aka E&O) has become increasingly important in many industries, especially the Title Industry.  While it may not be mandated by every state, E&O Insurance is increasingly being required by the major Title Insurance carriers and lenders across the United States.

Your E&O policy is designed to protect you against claims for which you become legally liable to pay due to allegations of an unintentional error or omission by you or one of your employees.   Professional liability policies are written on a claims-made and reported basis, covering claims that occur subsequent to the retroactive date stated in the declarations and which are first made against you and reported to the company while the policy is in force.  For this reason, maintaining prior acts coverage is extremely important.  Without prior acts coverage, your covered acts are limited to those performed and reported during the current policy period only.  While switching carriers, please be aware of the significance of the retroactive date in your policy.

When seeking Professional Liability insurance, it is easy to be misled by some carriers offering a much lower premium than you had paid previously.  It is common for these policies to be written retro-inception (with no prior acts coverage).

This course will cover the forms, endorsements, terms and definitons related to E & O insurance

Approved for 1 credit
Enroll Here

About the Presenter

Fran Kelly Professional Liability, LLC is a family owned and operated insurance agency.  The agency was founded in 1993 in an effort to provide the proper Errors & Omissions insurance to the Title and Real Estate Industry.  the company understands the level of importance this insurance has to the title business and they are dedicated to the insured.  The company provides high quality customer service.

Fran Kelly Professional Liability, LLC is a completely independent insurance agency with access to over a dozen different carriers.  They work for the title agency, not an insurance company!  This flexibility allows them to find the coverage needed at the best price.

The company can also assist in obtaining other important policies.  Their expanded product mix includes escrow security bonds, cyber and privacy liability policies, notary E&O, bonds and more. Contact them at:

ALICIA KELLY

Phone: 610-478-0400

E-mail: Alicia@TitleLiability.com

FRAN KELLY(the presenter for this course)

Phone: 610-478-0400

E-mail: TitleEnO@comcast.net

KAITLIN KELLY

Phone: 610-413-2574

E-mail: Kate@TitleLiability.com

Fran Kelly Professional Liability, LLC

Middle City P.O. Box 30538

Philadelphia, PA 19103

Fax: 412-281-4716