Why General Liability Insurance Contractor is Crucial for FloridiansWhen it comes to operating a contracting business in Florida, general liability insurance contractor protection isn’t just wise—it’s essential. This type of insurance shields your business from unexpected financial burdens caused by third-party claims, injuries, or damages.Key Points on General Liability Insurance for Contractors:– Protects against third-party injury and property damage claims– Is often legally required in Florida for contractors– Reduces risk of significant financial lossIn Florida, the stakes are high due to unique challenges like unpredictable weather and a busy construction industry, making general liability insurance even more crucial. By ensuring you have the right coverage, you...
Choosing Between Hip and Gable Roofs: A Practical GuideWhen comparing hip vs gable roof types, each has its own strengths and weaknesses depending on your needs and climate. Here’s a quick snapshot to help you decide:Hip Roof:– More stable in high winds– Better for heavy snow regions– Costlier and more complex to buildGable Roof:– More attic space and ventilation– Easier and cheaper to construct– Prone to damage in high windsSelecting a roof type isn’t just about aesthetics—it’s about finding the right balance of cost, durability, and functionality. Your choice can impact everything from your home’s insulation to its curb appeal.I’m Paul Schneider, and with over two...
The American Policyholder Association (APA) has emerged as a powerful force in the fight against insurance fraud, with recent achievements highlighting the critical importance...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
When insuring your vehicles, the search for the best car insurance in Utah isn’t just about finding the lowest price. While affordability is important,...
Plenum Investments, the specialist manager of catastrophe bond and other reinsurance-linked assets, has successfully grown its Plenum CAT Bond Dynamic fund to more than...
A good health insurance broker will tell you that health insurance is an absolutely essential component for maintaining good health. Sometimes, people only think about getting treatment for something that has become an emergency scenario. However, there are so...
When it comes to homeowners insurance, not all policies are created equal. And that’s important to remember when it comes to protecting what could very well be yourbiggest asset.
Check out the list below, which shows some major “must haves”...
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KatRisk, the catastrophe risk modelling software provider and the third-party risk modelling agency for the NFIP’s FloodSmart Re catastrophe bonds, has been acquired by...
More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage”...
Virtual reality, or VR for short, may have some limited applications outside of video games and entertainment, but major US insurer Allstate Insurance Company believes there is potential in the technology for use in the insurance industry. Last week...
Choosing an insurance plan can be difficult, especially if you don't understand the differences between them. This guide will teach you everything you need to know about HMO, PPO and EPO plans, allowing you to make an informed decision...
Signed into law in 2010, the Affordable Care Act was meant to open affordable healthcare access to all Americans. As with any law, the optimism surrounding it was short-lived, especially as people realized it was not as accessible as...
The Medicare Annual Election Period takes place between October 15th and December 7th, this period is your annual window to shop, purchase, or renew your Medicare Advantage and prescription drug plans.
Medicare coverage can be complex, so let’s break it...
Last Updated on January 11, 2021 by adminNational Lockdown – Stay At HomeOn the 4th January 2021 the Government announced a third lockdown in England to control the rapid increase of coronavirus cases. The devolved administrations in Scotland, Wales...
Last Updated on March 17, 2021 by adminTemporarily Closed Holiday Letting Properties – Updated 17th March 2021We appreciate the significant impact that government measures to control the spread of the coronavirus is having on all businesses, not least self-catering...
“The boat is safer anchored at the port, but that is not the aim of boats.”― Paulo Coelho, The Pilgrimage
Did you know that you are not required to have boat insurance to operate a vessel on the water in...
Yes, eating well without breaking the bank is possible. Here’s how to do itby Virginia Anderson October 25, 2023 | Wellness
A trip to the grocery store probably feels a little different today than it did a few years...
Virtual home inspections, necessary during the pandemic, remain popular because of convenience.
When you buy home insurance, the amount of coverage you purchase should be the amount that it would cost to rebuild...
Life insurance can be a valuable part of your business plans.
We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation...
Your agent is best positioned to advise you when they have all the facts.
Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s...
You don’t need to be a millionaire to leave a meaningful legacy to your loved ones. Here, how to begin thinking of your legacy, and how to begin building it now, in both monetary and value-based waysby Anna Davies...
If you are able, take photos to document circumstances of the accident.
Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next?...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Life Insurance for NJ individuals and families can be available in various forms. A good option for homeowners with a mortgage is Term Life Insurance in the form of Mortgage Protection Insurance. This kind of Term Life Insurance helps...
As an employer, you are responsible for providing your employees with a comprehensive benefits package that includes healthcare, retirement plans, and even legal assistance. However, most employers need to pay more attention to the importance of consumer protection assistance...
Uncover Hidden Fees: Discover the top five hidden costs in employee benefits plans that are driving up healthcare expenses without employers even realizing it.
Roundstone’s Transparency: Understand how Roundstone’s transparency can help you minimize these hidden fees and choose the...
November is National American Diabetes Month. According to the Centers for Disease Control, over thirty-four million U.S. adults are affected by some form of Diabetes. Diabetes exists in two types: type one and type two.
Type one Diabetes is...
Spring/2023
Final expense insurance, also known as burial insurance, is a type of insurance policy designed to cover the costs associated with a person’s funeral and burial expenses.
This type of insurance is typically purchased by older adults who want to...
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}This week's featured customer car is a little red Corvette. This 1998 convertible Corvette is a beautiful example of America's modern muscle car. McElhinny Insurance Agency insures all types of...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Open enrollment 2023 is happening soon for Medicare. From October 15 to December 7 each year, Medicare recipients can make changes to their coverage. Medicare health insurance options can be tricky to navigate. Check out some of the most...
Conversations about employee health and wellbeing are more open than ever before, particularly after the Covid-19 pandemic. Both employers and employees seem more comfortable discussing topics surrounding work-based health and how important the work-life balance is to attain.
With 88%...
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Even though many academics are sounding the alarm over the housing affordability crisis in the United States, the affordability problem continues to intensify. Recently, researchers at Freddie Mac increased their 2018 housing shortage estimation by 52% to...
Global specialty insurance and reinsurance managing general agent Rokstone has announced a new partnership with parametric specialist NormanMax, that will see the MGA offering a global parametric product covering earthquake, hurricane, tropical cyclone and typhoon, with additional perils set...
Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not meet the applicable MLR percentage for the last calendar year must provide rebates to plan...
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Life insurance is an essential part of financial planning, providing financial protection for your loved ones in the...
