Keeping Your Cool While On The Road
With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash. Here are some tips that may save…
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Business Identity Theft is on the Rise
There is a new form of identity theft in Florida, and it is affecting businesses and the information they have on file with the State of Florida. All business entities in the state (like corporations and limited liability companies) must…
12 Terrible Pieces of Insurance Advice
Not all advice is good advice. Here are some common bits of insurance wisdom that, it turns out, aren’t so wise after all. When you have an insurance claim, the last thing you want to discover is that you didn’t…
Halloween Waiver for Trick-or-Treaters
Halloween Trick-Or-Treat Liability and Indemnification Agreement _____________________ (hereinafter referred to as “Trick-Or-Treater”) agrees not to sue, harass, or trick ____________________ (hereinafter referred to as “Benefactor”) for providing free, delicious Halloween treats. Trick-Or-Treater acknowledges and understands that no warranty, either expressed or…
Do you ever get that sinking feeling?
Sinkholes have been in the news a lot lately, and I am sure this has generated a lot of questions from customers. Sinkholes are a fact of life in certain parts of Florida. Sinkholes and how they are adjusted is…
Know Your Coverage
The coverages on your homeowners insurance policy may seem like alphabet soup: A, B, C, D, E…. What are the coverages, and why are they important? Here’s a quick summary. Coverage A: Anything involving the physical structure of your home,…
What is Covered by a Standard Homeowners Policy
A standard homeowners insurance policy includes four essential types of coverage. They include: Coverage for the structure of your home. Coverage for your personal belongings. Liability protection. Additional living expenses in the event you are temporarily unable to live in…
UM: Benefits Beyond Medical Bills
At the break in a class I overheard a student say, “My husband is in the military, so we don’t need uninsured motorist (UM) coverage.” The same comment could be said by someone who had PIP coverage, auto medical payments…
How to Create a Home Inventory
Would you be able to remember all the possessions you have accumulated over the years if they were destroyed by a fire or other disaster? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify…
What is Terrorism Insurance Coverage
Historically, terrorism insurance was not offered by most insurance companies because the premiums were too difficult to calculate due to the enormity of a terrorist act. Most terrorist acts cost businesses millions of dollars, so terrorism insurance was never an…