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E&S Insurance Blog Page 42

View the latest blog posts from E&S Insurance.

Tuesday, November 29, 2016

Do elevation certificates reduce flood insurance premiums?

Very often, flood insurance premiums are reduced through the use of elevation certificates. In the absence of the data and information provided on elevation certificates, flood insurance companies assume the worse case scenario and charge the highest rates. READ MORE >>

Wednesday, November 23, 2016

Is my golf car covered in my homeowner insurance policy?

Golf carts are primarily designed for transportation from one green to the next, but you might be one of the many people who uses your golf cart as a means to travel around your gated community, retirement park or condo complex. Whether you use them off-road or on, the right insurance can help you protect your golf cart. READ MORE >>

Tuesday, November 15, 2016

How Suicide Is Covered By Term Life Insurance Policies

One of the questions from my life insurance clients is about suicide. Is suicide covered? They always asked.  So I decided to write a little blog about it. Each life insurance policy is different, but most contain a suicide provision. READ MORE >>

Wednesday, November 9, 2016

How much car insurance am I required to have if I still have an auto loan?

State laws dictate the minimum amount of car insurance for liability that you must carry on your vehicle and the remaining insurance coverage that is available is usually optional. However, if you have an auto loan you are typically required to carry additional insurance by your creditor. READ MORE >>

Tuesday, November 1, 2016

Why do I have to add my son to my insurance if he does not own a car?

When your son becomes licensed most insurance companies will require you to place him on your auto insurance policy as a driver since he will likely drive your vehicle and thus require coverage.  The Florida Office of Insurance Regulations backs up this idea. READ MORE >>

Wednesday, October 19, 2016

Some tips if you are a member of a Board of Directors

         According to the Nonprofit Risk Management Center the Board Members of Non- Profits are not liable for the debts of the nonprofit organizations if the entity has been created as a corporation. However, the board members have a legal responsibility to exercise due diligence and due care in the performance of the organization. READ MORE >>

Sunday, October 16, 2016

Some tips if you are you opening a new restaurant and is looking for the business insurance

On July 2016, I received a phone call from a prospect client who was in the process of opening a new restaurant in Naples, Florida.  According to him the business would be open to the customers on October 2016 as soon as some repairs have been completed and the county has delivered the certify of occupancy. READ MORE >>

Thursday, October 13, 2016

DO YOU HAVE A RISK MANAGEMENT PLAN IN FORCE FOR YOUR BUSINESS?

           Business leaders should know that is imperative to develop strategies to minimize the risks in their companies by creating a permanent and a monitored risk management plan. READ MORE >>

Monday, October 10, 2016

What are the five main benefits that we offer to our clients as Independent Agents?

      1.   Risk Management Assessments and strategies to protect the assets and mitigate potential liabilities            Our agents have been working in the personal lines and business insurances for several years. READ MORE >>

Tuesday, October 4, 2016

WE ARE READY TO ASSIST REGARDING HURRICANE MATTHEW

Here's an update from the National Hurricane Center as of 11AM on Tuesday, October 4th:   SUMMARY OF WATCHES AND WARNINGS IN EFFECT:   A Hurricane Watch is in effect from Deerfield Beach, Florida to the Volusia/Brevard county line.   A Tropical Storm Watch is in effect from the Seven Mile Bridge in READ MORE >>

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