A water pipe just broke in my home. Water has damaged my wood floor, carpet, and furniture. Does my Florida homeowners’ insurance policy cover this loss? The answer is not as simple as it seems. It depends on the source…
What is Umbrella Insurance? Umbrella insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and…
Auto insurer actuaries are able to amass a vast amount of statistical data to accurately predict a person’s propensity for having an automobile loss—and they set rates accordingly. Risk profiling is employed by all the automobile insruance companies, and is…
We are all looking for ways to save on the cost of homeowners insurance without sacrificing quality. In this blog, I would like to suggest a number of ways to reduce your homeowners’ insurance premium. In each case, you will…
Auto insurer actuaries are able to amass a vast amount of statistical data to accurately predict a person’s propensity for having an automobile loss—and they set rates accordingly. Risk profiling is employed by all the automobile insruance companies, and is…
Whether we like it or not, automobile accidents remain the leading cause of death among Americans ages 15 to 19 according to the Centers for Disease Control and Prevention. The reasons for this are twofold: inexperience behind the wheel and…
Generally, a policy is written through the Excess and Surplus Lines company (E&S) because a standard carrier will not write the risk. The reasons for this are many, but usually include: The risk does not meet underwriting guidelines of standard…
In a survey conducted by the Trusted Choice and the Independent Insurance Agents and Brokers of America, it was found that many homeowners lack adequate homeowner’s insurance coverage, do not understand their homeowner’s policies, and do not have adequate savings…
With many different medical malpractice insurance companies vying for your business, how does a healthcare professional choose the best company for his or her particular needs? We suggest that a physician or surgeon use an independent agent with experience in…
The HIPAA/HITECH federal law, which became effective on March 26, 2013, put real teeth into a healthcare provider’s responsibilities regarding the use, collection and disclosure of Personal Health Information (PHI). In today’s environment, the potential release of personal health information…
