Aspen Insurance Agency Named As One of the Best Health Insurance Agencies in Denver

Aspen Insurance Agency was recently awarded and name as one of the Best Health Insurance Agencies in Denver for 2022 by Expertise. We are thrilled to receive this recognition and continue to remain committed to delivering the best service experience for our clients.

Although we were founded in Denver, Aspen Insurance Agency continues to support clients nationwide.

Thanks for the support Denver – We appreciate your business!

Home Computer Security

History of the Password

Over the last 20 years, cyber security has become a concern for business and individuals alike. Personal computers, tablets, and smartphones have revolutionized how we interact with almost everything. With a few clicks of a mouse, or swipe of a finger, we can buy clothing, book flights, reserve hotels rooms, deposit checks, pay bills; there isn’t anything we can’t do from the comfort of our own home.

Our personal information is stored, somewhere, by a seemingly uncountable number of vendors, institutions, and web sites. Unfortunately, cybercriminals are adept at using software to invade our home computers or smart phones to extract our personally identifiable information. Criminals also seek to install ransomware, locking corporations and users from accessing computers.

Just as we secure our homes with a lock on the front door, we also need to secure our online identity, our most basic protection is the humble password. The password in combination with an email address or username, identifies the authorized user of frequently accessed sites or apps and any retained personal information.

Too often, we underestimate the importance of passwords, selecting something easy to remember rather than difficult for an attacker to break.

In this multi-part series, we examine various security threats from personal computing and techniques to best protect yourself from the dangers of criminals wandering the internet looking for victims.

History of Passwords

Passwords are secret data, typically an arbitrary string of characters which include letters, digits, or other symbols. If the permissible characters are constrained to be numeric, the corresponding secret is sometimes called a personal identification number (PIN). A key attribute in picking a password is to select something which is hard to guess, so a password may be composed of multiple words, separated by spaces: a passphrase.

The longer the password (or phrase) the harder it is for software password-breakers to reveal the actual password.

Passwords have been in use for much longer than the internet or computers. There are historical references to the use of “watchwords” in the Roman military. Sentries challenging anyone wishing to enter an area to supply a password or watchword, only allowing entry upon hearing the correct password.

Passwords were used by the military over the years, evolving to include both a password and a counterpassword. During World War II, GIs would challenge any individuals entering an area with a password, to be replied with a counter password.

The first time a password was used in computing was 1960 at MIT. The university had a large mainframe computer to be shared by numerous researchers. Each shared not only the mainframe but a single disk file as well. The password was developed so users could access the computer for their allotted time (in 1960, computing resources were severely limited) and only have access to their own specific files.

The first time a computer password was hacked was also 1960, when researchers started using others’ passwords to gain more computer time.

Though the password is a less than perfect approach to security, it went on to become the go-to method for computer security due to its simplicity, which is also a disadvantage.

Attempting to reduce the password disadvantages, a cryptographer at Bell Labs devised a technique called “hashing” where the entered password values were converted to numeric output which could be used to compare to an entered value to validate the passwords but could not be used to reverse engineer the password.

With hashing, the actual password is not stored, only the numeric values to validate the password entered matches. Hash functions used in cryptography have the following key properties:

  • It’s easy and practical to compute the hash, but “difficult or impossible to re-generate the original input if only the hash value is known.”
  • It’s difficult to create an initial input that would match a specific desired output.

Thus, in contrast to encryption, hashing is a one-way mechanism. The data that is hashed cannot be “unhashed”.

Additional layers of security include “salting”. Modern password databases to further protect a password by inserting random data with the password, then hashing the resulting values.

Another security technique is “encryption”, where a key is used to convert a set of entered values to something which appears to be meaningless, but which can then be unencrypted. This technique is only used when the password or pass phrase must be known and reviewed for validation.

In our next installment we discuss how customers can increase their security.

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our professionals for home or business insurance and see how painless insurance shopping can be.

Gun Owner Liability Insurance

In January this year the city of San Jose voted to require gun owners to carry liability insurance and pay an annual fee. The San Jose City Council overwhelmingly approved the measure despite opposition from gun owners who said it would violate their Second Amendment rights. The gun owners promised to sue.

At issue is the question of gun owner rights, versus the rights of the citizens for reasonable protection from irresponsible, or mentally ill, gun owners.

After all, the 2nd amendment states: “A well-regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed”.

Gun rights opponents (and most historians) point out the phrase “well-regulated Militia “was not intended to give individual citizens the right to own assault rifles or other weapons of mass destruction (at the time of the amendment’s passing, guns were single shot muzzle loaders incapable of the dangers posed by today’s advanced weaponry). The amendment was intended to reduce the need for a standing army: the fear of democracy undone by a commander in chief wishing to crown themselves king.

The intent of the passing of the ordinance is to encourage people in the 55,000 households in San Jose who legally own at least one registered gun to have gun safes, install trigger locks and take gun safety classes, Mayor Sam Liccardo said.

Gun owners who choose not to get insurance won’t lose their guns or face any criminal charges, the mayor said.

San Jose Police Gun Removal Effort

In a parallel effort, the city’s police are also taking guns off the streets.

As of Monday night, San Jose has recorded just three homicides in 2022 — a dramatic drop in killings for the Bay Area’s biggest city. None of the homicides have involved a gun, and police believe that is due to their efforts to get guns off the streets.

“We have officers going out there every day, approximately 200 officers across three shifts. If people pay attention to our social media, they’ll see the vast amounts of firearms that are being taken off our city streets,” San Jose Police Sgt. Christian Camarillo said.

Many of the guns being seized are homemade guns without serial numbers making them nearly impossible to track.

“How do you prevent violent gun crime? By being proactive, by going out there and removing these guns off our streets before they’re able to be used in a crime, in a shooting, in a robbery,” Camarillo said.

Risk of Death by Gun

Just how pervasive is the potential for death by firearm?

US Deaths By Firearm
 NumberPercent of TotalChange
Deaths by Firearm2019202020192020 
Suicide23,94124,29260.3%53.7%351
Assault14,41419,38336.3%42.9%4,969
Legal Intervention52061136.3%1.4%91
Accidental Discharge4865351.2%1.2%49
Undetermined3464000.9%0.9%54
Total39,70745,221100.00%100.00%5,514

Between 2019 and 2020 the number of firearm deaths increased. The largest increase in deaths through assault.

Which begs the question: how pervasive the potential for accidental death by firearm is compared to other potential accidental causes.

US Accidental Deaths 2019
Cause of Death 
Accidental Poisoning65,773
Drug Poisoning62,172
Opioids (Legal and Illegal)45,489
Firearms39,707
Motor Vehicle Accidents39,107
Fire2,692

Of course, these numbers do not reflect the horror of school shootings or the increasing number of mass shootings (as an example, the October 2017 mass shooting in Las Vegas only killed 59 people, though 441 were injured).

Even at Sandy Hook, only 22 individuals were killed: the fact they were under the age of 10 made the act particularly horrific but wasn’t high in number of fatalities.

Gun insurance would not prevent the acts of crazed or angry gunmen. It is intended to motivate all gun owners to be attentive to the inherent dangers of firearms and the need for security in storing their firearms (as an example, the Sandy Hook shooter had ample access to an assault rifle and ammunition. Had it been securely locked, the outcome may have been far less deadly, especially to the twenty-one murdered primary school students and their teacher).

Aspen Insurance Agency is a family-run business in Denver, Colorado servicing clients nationwide. We work with multiple insurance carriers to offer our customers a wide variety of risk reduction coverage at the lowest possible cost. We offer a wide range of personal, auto insurance, commercial and professional insurance to residential and commercial insurance customers enabling the cheapest rates available. Call to speak to one of our advisors for home or business insurance and see how painless insurance shopping can be.