Insurance companies really (really really) hate unpredictable risk.
After all, “unpredictable risk” means “claims.” And “claims” involve giving you money.
(No one likes to give away money. Not you. Not your insurance company.)
Predictability means the insurance company can charge you reasonable prices and pay their claims. But getting insurance for a vacant home often means more unpredictable risk.
Sure, there’s a natural level of risk that comes from living in a home—a neglected pot of pasta on the stove causes a fire or your toddler’s toilet antics bring on a plumbing nightmare. The insurance company knows this. So they tweak their numbers and policies to minimize their risk as much as possible.
So if living in a home causes more claims, you would think they would prefer that your home be empty, right?
As it turns out, it’s even more important to get insurance for a vacant home. Read more →
You’ve heard of workers compensation. You (hopefully) have it. You may even have had employees who needed it when they were injured on the job. But there are also many myths and misinformation about Florida workers comp insurance that you might believe. Misinformation that could prevent you from protecting your business the way you need to.
As insurance brokers, our goal is to see everyone receiving the right amount of coverage for their property, person, and business. And—whether you work for or own a business—you need to know the truth about Florida workers comp insurance. Read more →
Owning a restaurant is a dream you’ve held for years and now it’s coming true! You’ve thought about your menu, seating options, even your logo, but have you thought about restaurant insurance?
Between your inventory, customers, and the business itself, restaurants carry a large amount of risk. But your pizza parlor, bakery, or cafe is also your livelihood. Is that a risk you’re willing to take? Having the right restaurant insurance policy can prevent you from having to kiss your dream goodbye.
So let’s take a look at 9 essential types of restaurant insurance that will keep you in business for years to come.
Put down the phone! You can save hours, stress, and money by getting an insurance rate comparison from an independent insurance agent.
Maybe you’re starting a new business. Or perhaps you’re just curious about whether you’re overspending on your premiums. Getting an insurance rate comparison is a great way to research your options and get a policy that’s right for you.
But you have a choice: use up next week’s lunch breaks calling every insurance company you can or getting an insurance rate comparison from an independent insurance agent.
Aside from the fact that they’re completely free (yep!), here are five reasons why you should work with an independent insurance agent rather than buying your policies directly from the corporate office.
You haven’t even made it all the way inside from your mailbox, and you’re already frustrated!
It seems like every year when that homeowner insurance renewal comes, it’s asking for more money. You haven’t had a claim since you bought the home 15 years ago; it just doesn’t seem fair.
Well, when it comes to one of the biggest causes for home insurance premium increases, you’re right. It’s not fair.
When Homeowners Become Victims
The State of Florida is currently faced with a major insurance crisis.
It comes in the form of widespread fraud…specifically fraud perpetrated by crooked contractors and public adjusters responding to claims caused by alleged water damage and hail storms. Homeowners become victims when they fall for a too-good-to-be-true offer from the scammer.
Let’s take a look at some examples of how this fraud is committed. Read more →
Let’s say that your e-commerce business has been doing so well that you’ve decided to scale things up and open a storefront or office. Do your insurance options need to change? How is brick and mortar insurance different from the coverage you had with your online business? Read more →
Let’s say you run a small business from your home. You don’t have employees; customers don’t come into your store (so no risk of them slipping on a wet floor and suing you); and your custom-designed hair bows aren’t going to injure anyone. Does your business need insurance?
When it comes to insurance, most people think about protecting physical objects from loss or harm, but there’s something else—something vital—that your small business needs to put under lock and key: your data.
“But Data Breach and other types of cyber crime only happen to giant firms like Dairy Queen and Target. I don’t have the kind of records the bad guys want. Plus, who would even think to target little ol’ me?”
Every day, insurance professionals hear comments like this from their clients. But the truth is, data breach and cyber ransom issues effect an ever-increasing number of small businesses (that is, firms under 100 employees) in the United States. Often, these victims are “Mom & Pop” operations with under 20 employees. In fact, small businesses are actually the perfect target for cyber criminals. Read more →
Sifting through all of the different coverages that are part of insurance policy can be a very confusing task. There are things that pay for injuries to you. There are parts that pay for injuries to others. There are coverages that pay for damage to your belongings. There are elements that pay for damage to other peoples’ things. The list goes on and on. Today we’re going to look at Medical Payments and how they can help you avoid costly fees after an accident. Read more →