Tuesday, September 1, 2020Did you know that over 40% of Employment Practices Liability Insurance (EPLI) claims are brought against employers with under 100 employees (Source: SHRM)? EPLI is a fairly newer form of coverage protecting business owners against claims arising out of discrimination, wrongful termination, sexual harassment, family medical leave act violations, wage per hour violations, etc. READ MORE >>
Friday, August 28, 2020To wrap up the last part of this series, I want to focus our attention to some of the most important coverages not yet discussed as it relates to your HOA… Directors & Officers (D&O), Crime, and Workers Compensation Insurance. READ MORE >>
Friday, August 21, 2020“Why do I need to have insurance if my association already has insurance?” is one of the more common questions we hear those living within an association ask. There are a few answers to this question: The associations insurance generally covers common areas and commonly owned association property only – this does not include your individual home. READ MORE >>
Thursday, August 13, 2020First things first. Let’s define what a homeowners association actually is. Under Florida Statute 720.301 Section 9, a homeowners association, means “a Florida corporation responsible for the operation of a community… in which the voting membership is made up of parcel owners&h... READ MORE >>
Friday, August 7, 2020Cyber Liability coverage is a very important coverage for any business using computers, while storing any personal identifiable information. When purchasing a Cyber Liability policy, it is important to be sure that the policy includes coverage for cyber extortion and ransomware. READ MORE >>
Friday, May 22, 2020One thing that most anyone who has read how various insurance policies would respond to the Coronavirus pandemic can agree on is this… “pollution” is a tricky word to define. It is also the largest exclusion in most General Liability policies (with some small exceptions). READ MORE >>
Friday, May 15, 2020Do you own property in southeast Florida? If you do, you most likely have some form of property insurance. But just how much insurance do you actually have? And how much do you actually need? What coverages are important? Where are you most likely to have a loss? All of these are valid questions as it relates to your insurable property. READ MORE >>
Friday, May 8, 2020In my last post, I gave a high-level overview of what business income insurance is and why you, as a business owner, need this coverage. While Covid-19 has led to a lot of questions surrounding this coverage, the fact remains this is the only insurance coverage that will cover your risk of lost profit due to an insured loss affecting your ability to conduct business in a normal fashion. READ MORE >>
Monday, May 4, 2020How important is business income insurance? Do you need it? Is extra expense coverage necessary? I would argue the answer to these questions is business income insurance is very important and absolutely necessary for every business owner. Consider what might happen if a fire damages your building, the roof collapsed, or a storm or tornado blew out all the windows. READ MORE >>
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