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Your Hurricane Deductible: "Wait...I can have TWO deductibles?" Harry Levine Insurance walks you through everything you need to know about your hurricane deductible.

Your Hurricane Deductible (Everything You Need to Know)

Hurricane Irma tore up our roof. The deductible on my homeowner’s policy is $500, but my insurance company is saying that my deductible is $5,000. Are they trying to rip me off?

This is a rare instance where I can truthfully answer: you’re both right. Your homeowner’s deductible is $500, but in this case, your hurricane deductible is $5,000.
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What is your disaster plan?

What is Your Disaster Plan?

Will You Be a Hero or a Zero?

As of June 1, we are officially in hurricane season. But—despite the recent extreme weather in our area—most people still do not have an adequate disaster plan for the office.

While it’s important to have a disaster and evacuation plan for your home and family, it’s just as important to consider the safety of your business during a hurricane or other natural disaster. After all, your business is your livelihood, and disaster striking there means disaster for your finances, your workload, your clients, and your employees.
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Technology Insurance: Why You Need Tech E&O Coverage

Technology Insurance: Why You Need Tech E&O Coverage

If you own a business, you likely understand the need for errors & omissions coverage to protect against tangible damages. For architects, contractors, and engineers, damages are usually serious: either loss of life, or substantial damage to property. It is harder for a technology professional to see the need for errors & omissions, because when a claim arises the damages are typically intangible.

Technology insurance may be a relatively new and emerging insurance product, but it is a necessity for anyone providing technological services.
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What is Pet Insurance? (A Comprehensive Guide to Protecting Your Pet)

What is Pet Insurance? (A Comprehensive Guide to Protecting Your Pet)

May is National Pet Month and, to celebrate our fur-babies, we thought it was important to talk to you about the many types of pet insurance available to you as an animal lover.

So if you’ve ever found yourself wondering if you can insure your pet or asking yourself “what is pet insurance exactly?”, you’ve come to the right place.
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Do You Need Wedding Insurance? (Short answer: yes!)

Do You Need Wedding Insurance?

Spring has officially sprung, which means we are in the middle of wedding season!

A lot goes into planning a wedding. There are deposits on venues, dresses and tuxedos to rent/buy, vendors to put on retainer, and all the other details that make your day so special. You want everything to be perfect.

With all of the planning that goes into the Big Day, it’s normal to look for ways to prevent disaster. After all, storms, damaged dresses, lost rings, and venues that go belly-up right before your wedding day are not unheard of in the industry. But how do you avoid one of these disasters derailing your day?
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Do I Need to Insure My Jewelry?

Do I Need to Insure My Jewelry?

Wedding insurance is a great way to make sure the Big Day goes off without a hitch. But what about protecting your investments after your wedding? Have you thought about engagement ring insurance for that gorgeous rock?

Or perhaps you’re not married, but you have other valuable items of jewelry to protect. Maybe an antique brooch from your grandmother or a pocket watch from your great-great-grandfather. Jewelry is expensive and—in the case of heirlooms—often irreplaceable. But having jewelry coverage on your gems, gold, and other precious metals can help if your engagement ring is lost.

In this article, we’ll go over some of the more common questions that you may have about getting jewelry insured. 
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7 Factors That Affect Your Small Business Insurance Cost

7 Factors That Affect Your Small Business Insurance Cost

You’ve registered with SunBiz.org, signed a lease, and maybe even hired your first employee. But then a friend asks about your insurance. What does small business insurance cost, anyway? What should you expect?

Your business insurance premiums depends a lot on your unique business, but it doesn’t help you to just say, “It all depends; contact your agent” without also giving you a little bit of insight into how several different factors affect your small business insurance cost.
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Insurance for contractors

Insurance for Contractors (What It Is & Why You Need It)

Carrying the right insurance for contractors is just as important as having the right drill bit: it can keep you in business for years to come.

Construction projects are, by their very nature, filled with risk: heavy tools, sharp objects, demolition…need we say more? So when your customers trust you with their homes or businesses, it’s vital to earn and keep their trust; you can do this best by providing top-notch work and protecting them (and yourself) from that risk.

How can you do that? It’s all about having the right insurance policy.

In this article we’ll talk about the different types of insurance for contractors and how to use your coverage to increase your clients’ trust.

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Do you need insurance for a vacant home?

Do You Need Insurance For a Vacant Home?

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.
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11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

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.
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