What You Need to Know about Medicare Health Coverage

Important Medicare enrollment deadlines you can’t miss If you are 65, or you’ll be turning the big 6-5 this year, you have a lot of decisions to make, especially about your healthcare. There are important deadlines you need to keep in mind when it comes to enrolling in Medicare or changing your existing coverage. For instance, did you know there is a specific timeframe to sign up when you turn 65? Plus, you can only change existing coverage at certain... Read More

Rough Rates for Auto Insurance – What’s Driving Recent Price Hikes?

Learn about the 4 main factors and what you can do to lower your bills Did you get a bit of a shock when you saw your last car insurance bill? You’re certainly not the only one, as rates keep rising. According to a new report, they are actually 20 percent higher than they were just seven years ago. And some states have seen increases of more than 60 percent. Right now, the average yearly rate across the country is... Read More

Does Your Business Need Active Shooter Insurance?

It’s not something we like to think about, but gun violence is on the rise. One hundred and fifty-four mass shootings in any nation’s history is a tragedy. To know that this may have taken place in the United States this year alone (as of June 28) is harrowing. As mass shootings across the country reach sickening highs, businesses of all types are facing the stark reality that they could be next. In the face of multiple tragedies, active shooter... Read More

Life Insurance vs. Cost of Living: Why It Pays to Consider This Difficult Compromise

When the cost of living is high, few want to think of the cost of dying. However, life insurance can be far more positive than an unwelcome reminder. Data from the Census Bureau and the U.S. Bureau of Economic Analysis rated Florida among the lowest states for “real” pay; a state-by-state quantifier of how far a paycheck really stretches. Floridians manage an effective median income of $49, 674, but that figure can vary greatly within the state due to factors... Read More

5 Key Steps to Successful Start-Up Growth

How to succeed as a start-up There’s nothing slight about America’s small businesses. A nation of entrepreneurs, the U.S. averages 400,000 business start-ups each year; enterprises that go on to contribute in the region of $100 billion to the economy. Those are some impressive and inspiring figures, but as insurers, we like to be aware of the risks. It’s true that the Bureau of Labor Statistics found that 20 percent of new start-ups fail in their first year. It’s also... Read More

Are Benefits Hiding in Your Health Insurance?

Find out what could be included in the fine print Before you agree to anything, it’s always a good idea to know what it is you’re agreeing to. This is especially true when it comes to signing a contract or any sort of document. It may be several pages long, but it’s important to read it, so you know what you are responsible for. The other reason to always read the fine print is that you may discover things you... Read More

Don’t Make These 8 Common Mistakes When Filing a Claim

Avoiding these eight errors can expedite the claims process and save you money We all make mistakes, but some are often costlier than others. And when they’re related to insurance, these errors could be especially expensive. If you need to file a claim with your insurance company in regards to your home, car, or anything else, you definitely want to avoid these blunders: Not calling your company right away Because claims often rely on physical evidence – and possible witnesses... Read More

How to Avoid These 5 Household Dangers

5 household dangers and what you can do about them Our homes are our refuge from the world. Where we unwind and reconnect with our families. Home is where we often feel the safest. However, there are many “hidden” or perhaps overlooked things about your home that can damage your property, your belongings, or even the physical safety of you and your loved ones. They can also be costly in terms of repairs and liability and cause your insurance premiums... Read More

Medical Marijuana Insurance Facts

How this contested area is shaping policies. Even with all we know about marijuana and its numerous health benefits, it continues to be a controversial subject. Currently, medical marijuana is legal in more than half of the states in the U.S, along with Washington, D.C., but from the federal government’s point of view, it is still illegal. Further complicating the issue is insurance. If you use marijuana for health purposes, does this mean it’s covered under your insurance? Let’s delve... Read More

If You Own or Rent Out a Secondary Residence, Here Is What You Should Know about Vacation Home Insurance

Everyone needs some time off once in a while. Just make sure your vacation doesn’t add anything onto your insurance premiums. Over 9 million Americans own a second home, and according to fact giant Statista, Americans top the global revenue charts for vacation rentals. There are different insurance rules in place based on if you own the home or rent it out, and it pays to know which apply to you. If you own the property, you should cover it... Read More

How Climate Change May Impact Your Home Insurance

Depending upon where you live, you should be prepared to pay more. While the climate change debate rages on, often all it takes is a glance out your window to see what kind of effect it is having on the planet. Unpredictable weather is now, well, predictable. It’s becoming increasingly clear that this is something we will have to learn to live with, and this means figuring out how we may be personally affected. If you own a home –... Read More

Don’t Forget to Pack Our Advice for a Stress-Free Vacation

Too few holidaymakers add risk management to their itinerary. Here are some very good reasons why you should combine travel insurance with common sense. Stress management is part of every vacation. From the cost and packing luggage to making sure everyone has their documents, it can feel like a race to relax. In an ideal world, you would be able to reach your destination and save all worries for the return trip. For the most part, you can. When you... Read More

The Top 10 Most Common and Costliest Insurance Claims

Buying commercial insurance to protect your business is the smart thing to do. Most people don’t think they will ever need it. However, a study showed that 4 out of 10 businesses will end up making a property or liability claim in the next 10 years. For business owners, that means you have a 40 percent chance of filing a claim. What type of claims are the most common? We look at the top 10 here. What commercial insurance policies... Read More

My Friend Crashed My Car, Now What?

Find out how your insurance could be affected You may have no problem when a friend asks to borrow a pen, a sweater, or even a little money, but when it comes to your car, this might be something else entirely. Often, our car is much more than just a functional item that allows us to get around. Not only are they probably one of our most valuable possessions, for many of us, they’re our babies. And you don’t just... Read More

Do Fido and Fluffy Need Pet Insurance?

6 things to consider about pet insurance Pets are a part of the family, providing emotional support and unconditional love. (Something we don’t always get from the humans in our lives.) When your dog or cat gets sick, most people want to spend whatever is necessary in order to help their fur babies get better. However, those bills can quickly add up. Humans have health insurance to help pay medical expenses, but should you consider buying pet insurance? The answer... Read More

How Much Car Insurance Is Enough?

How to determine the amount of auto insurance coverage you need. Car insurance is necessary to protect yourself financially if you’re ever involved in an accident. Most states require everyone to have auto insurance, and they also set minimum requirements, meaning you must carry at least a certain amount of coverage. The minimum amount varies by state, however. In some cases, the minimum amount may be enough to cover repairs and medical expenses but depending on where you live and... Read More

Marriage Could Mean You Save More on Insurance Every Month

There are many possible insurance benefits available for newlyweds Marriage is a major event. And once the confetti and cake have been cleared away, it's time to start thinking about how it affects your insurance. You and your spouse aren't the only ones joined in matrimony: your home, car, and life policies could also benefit from uniting. Like marriage itself, a combination of policies can have ups and downs. You'll both need to take your share of responsibility to make... Read More

Freelancers and Health Insurance: What are Your Options?

This guide can help you find the right health insurance policy Being self-employed can be pretty great. As your own boss, you get to make your own hours, decide who to hire (if anyone) and choose what snacks to have in the break room. And if you’re lucky, you may be able to work from home, which means not having to worry about things like commuting or wearing clothes. But no job is perfect, of course, and there’s one big... Read More

Do You Know What’s in Your Auto Insurance Policy?

9 things covered by auto insurance that may surprise you Auto insurance helps pay for repairs or injuries if you’re ever in an accident. You probably know that most obvious benefit. However, there are other things covered by your auto insurance policy that you might not be aware of – or perhaps never thought about. Here are 9 things covered by auto insurance that may surprise you. 1.  Auto insurance will pay lost wages if you’re unable to work Injuries... Read More

Did You Know Your Insurance Covers These 5 Things?

5 things you might not know are covered by home and auto insurance. We buy home and auto insurance to help pay for damage from accidents or in the event we’re held liable for one. Most people are aware of the typical things insurance covers. For instance, damage from a hurricane or stolen items are covered by your homeowner’s insurance. Hopefully, you also know auto insurance covers repairs to your car if you’re responsible for an accident. However, there are... Read More

Planning Your Summer Vacation? 5 Reasons to Consider Including Travel Insurance

Packing just one extra thing can give you peace of mind on your travels. •  Plane tickets? Check. •  Passport? Check. •  Selfie stick? Check. Now that you’ve got the essentials ready for your trip, there is something else you should think about: travel insurance. If you have already spent a pretty penny on airfare, accommodations, and everything else, we understand that you may be reluctant to shell out a little more. But that’s precisely why travel insurance is worth... Read More

How to Successfully Navigate Insurance Risks on Campus

These college health insurance options can keep you covered. Of the many issues that face a college-bound student, insurance isn’t always at the top of the list. Accommodation, transport and class fees often take precedence in this optimistic and busy time. It’s important to remember that college also presents numerous risks as well as opportunities. It’s a place where many students experience things for the first time, often under peer pressure. It can be a period of great concern for... Read More

Follow These Five Tips to Get the Most Out of Your Car and Your Auto Insurance

These five simple tips will keep you running for miles. A car is an indispensable part of life for many. There are over 260 million registered vehicles in America, and every one of them needs diligent care to keep their owners safe and premiums low. The secret to maintaining top speed is slowing down enough to understand your car’s needs. Our earlier blog provided a guide to auto insurance: the first thing you need to stay on the road. Once... Read More

8 Types of Supplemental Coverage You Might Need to Add to Your Homeowners Policy

These policies will ensure you have maximum protection If you’re a brand-new homeowner, congratulations! Buying a home is one of the best investments you can make, and in order to protect this investment, you’ve probably signed up for homeowners insurance. But are you sure it’s providing you with the best coverage? Before you tuck that policy into a drawer and forget about it, here is some supplemental coverage you may want to think about: Flood What would happen if your... Read More

Buying your First Home? 5 Tips for Navigating Homeowners Insurance

We hand you the keys to this important coverage While many types of insurance are optional, homeowners insurance is essential coverage. Even so, the Insurance Information Institute estimates that around 3.5 to 4 million homes are uninsured in the U.S. While this is "only" around 5% of the total homes in the country, it's still a figure that's far too high – and so is the risk and cost of being uninsured. Your mortgage provider will more than likely require... Read More

So You Have a New Dog – Do You Need Extra Liability insurance?

In some cases, it could be worthwhile, but in others it’s probably mandatory If you are like most new dog owners, you’re probably going all out for your pooch. It’s quite possible he now has more bones, chew toys, and plastic squeaky things than you can count. You may even plan to dress him up in a funny sweater for your Christmas card. He’s not just a pet; he is already a valued member of your family. While there’s nothing... Read More

What Kind of Homeowners Insurance Do You Need?

A look at types of policies and what they cover Homeowners insurance is one of the most important protections you can have to safeguard your home, belongings and financial security, protecting you against loss caused by natural disasters, fire, theft, or accidents. What does homeowners insurance cover? Most insurance offers a combination of policies that are designed to cover: • Your home’s structure • Your belongings • Liability • Additional living expenses Types of coverage Dwelling This type of coverage... Read More

When to Update Your Auto Insurance Policy

There are more factors to consider than the renewal date Maintaining up to date auto insurance is a must for many reasons. It protects your vehicle, provides for your medical needs in the event of an accident or lost wages, and works in those capacities if you cause damage to others. The risk of damage, loss, removal of your driving privileges, and higher premiums can all be reduced or prevented with diligent attention to your policy. Florida was once a... Read More

Commercial Liability Insurance is Not Enough for Your Business

Employment practices liability coverage is important too When you take your business insurance seriously, you're doing the same for your reputation. For those without it, the risks of fines, court fees, or closure are ever present. There is also a second type of business owner who, for better or worse, falls into a similar trap. We're talking about taking out some insurance and thinking it's enough. As a business owner, you want to cover yourself from all sides, inside and out. Commercial... Read More

Does the Number of Miles You Drive Affect Your Auto Insurance?

Yup, but there are things you can do to cut your rates There are a variety of factors that contribute to the cost of car insurance, and many might surprise you. Previously we have explained the impact of things like credit scores and income, but now we want to discuss an area that may actually make the most sense: mileage. Chances are you use your car quite a lot, with commuting to and from work probably contributing the most to... Read More

Who Needs Commercial Auto Insurance?

Driving for business instead of pleasure Most of us have auto insurance for our personal vehicles. In fact, it’s required in most states. Commercial auto insurance serves a different purpose, but for whom or what types of businesses? Do you need a commercial policy if you use your car for work? What if you work for a rideshare company like Uber or Lyft? We offer an overview and answer your questions about commercial auto insurance. What is the purpose of... Read More

Worried about Possible Discrimination and Harassment in Your Workplace?

These steps can help you avoid them Workplace discrimination and harassment are some of the most talked about topics today. And whether it is Google, ESPN, or Facebook, some of the biggest companies on the planet are often in the news for the wrong reasons. But just because you run a small business doesn’t mean these are things you don’t need to think about. Thanks in part to more awareness from social media campaigns, America – as well as the... Read More

Liability, Collision, and Comprehensive Auto Insurance: Do You Really Need All 3?

What you should know about the big three in auto insurance coverage Auto insurance is a necessity, however, choosing the right coverage can be challenging. The confusion starts with choices. There are several types of auto insurance and they all cover different things. The three most common kinds of policies are liability, collision, and comprehensive insurance. So, what are they and what does each cover? More importantly, do you really need all three? Liability coverage Liability auto insurance is meant... Read More

Are You Ready for the 2018 Hurricane Season?

7 things you can do to prepare your home before June 1st 2017 was a devastating year in terms of hurricanes. Major storms like Harvey, Irma, and Maria left paths of destruction in Texas, Florida, and throughout the Caribbean. Thankfully, we’re out of hurricane season right now, but June 1st will be here before you know it. Some weather experts are predicting that “2018 will be a busier-than-normal” season. Now is the time to start getting ready for the upcoming... Read More

What is Employment Practices Liability Insurance and Why Does Your Business Need It?

Protecting your business against discrimination and harassment claims Commercial insurance is essential if you want to protect your business and avoid financial complications. Some commercial policies cover damage to property or loss of equipment such as computers, printers, or office furniture. Others can protect against lawsuits if a client or employee is ever injured on your property. A third type protects against lawsuits related to claims made by employees. It’s called Employment Practices Liability Insurance (EPLI). What is the purpose... Read More

Diamonds, Floods, and Pets, Oh My

Why you might need supplemental insurance coverage Homeowner’s insurance is pretty great. A tree branch falls and damages your roof? You’re covered. A visitor gets injured in your home? You’re covered. A disastrous dinner results in some fire damage? Yup, you’ll be covered for that too. But, like anything else, homeowner’s insurance has its limitations. It’s a good idea to review all of your insurance policies regularly, at least once a year. This allows you to make any upgrades or... Read More

The 5 Cheapest Cars to Insure

A look at 2018's most reasonable road rates The road is a busy place in America. Last year we bought over 6 million new cars, adding more vehicles to a national total of over 269 million and climbing. It shows that plenty of us are looking to get behind the wheel. When we do, insuring the vehicle is a number one priority. The latest available data by the Insurance Research Council shows that 1 in 8 drivers are uninsured. Sadly,... Read More

5 Instances that Will Make You Appreciate Homeowner’s Liability Insurance

If any of these common things happen, you’ll be happy it’s included in your policy What if? This partial question is basically the genesis of the insurance industry. Life is wildly unpredictable, and you just never know what can happen. Good insurance coverage can go a long way to protecting you from so many of those “what ifs.” If you own a home, most likely you have homeowner’s insurance. (If you have a mortgage, almost certainly your lender made it... Read More

Do Freelancers Need Commercial Insurance?

6 types of commercial insurance every freelancer should consider If you are a freelancer, it’s easy to think you don’t need commercial insurance. After all, you are a small business and work for yourself. You might not even have any employees. Is it necessary? The answer might be … yes. Here are just some of the scenarios that make purchasing commercial insurance a good idea: •  A client is injured while on your property •  A client’s computer is damaged... Read More

Is it Time to Review or Update Your Life Insurance Policy?

It is if any of these seven scenarios apply to you If you have a life insurance policy, this means you are thinking ahead. Life insurance is an excellent way to provide a financial safety net, and it’s something even people without kids should consider. But when’s the last time you looked at your policy? If there have been changes in your life, there probably should be changes to your life insurance. If any of these things are familiar, it’s... Read More

How Much Do You Really Know about Auto Insurance?

This guide explains the different types available For the most part, insurance seems pretty straightforward: You buy a policy to cover something of value. And while that’s the basic gist of it, there is a lot more involved. Car insurance, for example, has many different types of coverage. This guide will help explain them. Liability If you drive, you are legally required to have liability insurance. This policy will cover you in the event that you cause an accident. Liability... Read More

Health Insurance Options for Freelancers

You can work from anywhere, but are you covered while you're there? There's often some confusion between being a freelancer and being self-employed. If you're self-employed, it's pretty much business as usual except you're the boss. You're earning income from your own enterprise and paying taxes on it. If you're a freelancer, you're one of over 57 million Americans with that lifestyle. You're also part of a growing group who contribute around $1.4 trillion to the U.S. economy. Freelancers are... Read More

The Truth About Life Insurance

Dispelling 7 myths about buying life insurance Life insurance is one of those things we just don’t want to think about. It’s an uncomfortable reminder that life will end. There are many reasons why people put off buying life insurance, but most of them are more myth than fact. Today, we want to dispel some of the more popular “myths” that keep people from protecting their loved ones like they should. Myth #1: I’m too young to need life insurance.... Read More

4 Reasons You Need Renters Insurance

Do you rent an apartment or home? Make sure you’re protected The forgotten stepchild of the insurance world is renters insurance. Due to the high cost of the housing market, more and more people are choosing to rent over home ownership. However, while 95% of homeowners have insurance, only 41% of renters do, according to a 2016 Insurance Information Institute poll. There are many reasons why renters might choose not to buy insurance. “One explanation is that many people incorrectly... Read More

Which Vehicles Come with the Highest Insurance Price Tags?

Be prepared to open up your wallet a little wider for any of these cars Buying a new car – whether it’s actually new or just new to you – is an exciting experience. Even if it’s something you’ve done several times before, it can be a lot of fun. After all, a car lot is like a toy store for grownups. Cars are expensive, of course, so it’s important to go in knowing you’ll have to shell out quite... Read More

Does My Small Business Need Workers’ Comp Insurance?

Here's how Florida stands on this valuable form of coverage It's serious business when people have their health on the line at work. An accident can happen even in what appear to be low-risk environments. In recent years, it's the “smallest” injuries like strains and sprains that have seen the highest number of work injury claims. For small businesses, it's cuts and punctures that happen with the most frequency. Workers' compensation insurance (WCI) exists to protect both staff and their employers... Read More

How Workers’ Comp Insurance Protects Your Business

An employee is injured on the job. Will you survive? Workers’ comp insurance is something every business owner must consider, whether you have one employee or hundreds; it will protect your business in the event that an employee is injured on the job. It might be tempting to forgo the expense if you have a very small business or work in an industry that doesn’t carry as much risk, but this choice could jeopardize everything you’ve worked so hard to... Read More

The 411 on Cybersecurity insurance

Answering your questions about cybersecurity insurance Nearly every day, we learn of data breaches against major companies. Some leading experts see cyber incidents as the top emerging risk to businesses. Cybersecurity insurance premiums are nearly $2.75 billion and the numbers are expected to explode to $20 billion by 2025. The attacks come against almost every type of business, from banks and retail stores to even a U.S. credit bureau. Network outages or loss of data also pose threats to many... Read More

Why the New year is the Best Time to Review Your Insurance Policies

The criteria for evaluating your insurance We all make New Year’s resolutions, whether they’re to lose weight (again) or quit smoking (finally). Maybe you want to get more organized or rid yourself of some other bad habit. Well, there is another resolution you might not have thought about … conducting a review of your insurance policies. Why is this so important? Many things can change in a year, and it’s a good idea to look at your policies to make... Read More

Should Single People Without Kids Get Life Insurance?

To answer that question, see if any of these things apply to you What’s the first thing that pops into your head when you think about life insurance? It’s probably related to people getting it in order to offer some financial security to their family, right? And while that’s a common reason to get life insurance, even people without kids – or even a spouse, for that matter – should think about getting a policy. Here’s why: You have debt... Read More

New Cars That are the Cheapest to Insure

Looking for a lower car insurance rate? Of course we all want a good deal on car insurance, but often getting the best price hinges on something other than your driving record, age, gender, or where you live. It actually starts the moment you begin researching which car to buy. Certain cars are simply cheaper to insure than others. That’s a fact you can’t escape, but which will give you the least amount of pain come time to send in... Read More

Insurance Tips Prior to a Home Remodel

5 steps to follow before you get started If you’re getting ready to do a home makeover, you might be so caught up in plans and budgets that that you’ve forgotten a few important issues … namely, your homeowner’s insurance. Make sure you go over these 5 things before jumping into a remodel. 1. Notify your insurance company before the first hammer falls Whether you’re remodeling a kitchen, adding an extra room, or you’re doing a total home renovation, make... Read More

Buying a Car Soon? Consider these 6 Cool Tech Features

These add-ons offer enhanced safety, better connectivity, and more If one of your New Year’s resolutions involves trading in your clunker for a nice, new car, you’re making an exciting decision. If it has been years (or maybe even decades) since you bought something new, you’ll be in for a treat. Cars are always improving. Many modern cars get great gas mileage, provide exceptional storage space, and – perhaps best of all – come with tons of cool features. When... Read More

Insurance for Medical Marijuana Businesses

What Florida businesses need to know The medical marijuana issue in Florida took its first steps in June of 2014 with the founding of the Office for Compassionate Use. In June of this year, Florida's governor signed Amendment 2. This legislation which had begun to move in January, was designed to legalize the provision of low-THC cannabis and full strength medical marijuana (MM) in our state. Ten further MM treatment centers were slated alongside seven already in existence. At time... Read More

Why Stay-at-Home Spouses Need Life Insurance

Both members of a partnership provide tangible value Times are changing. Familial, parental and breadwinning roles are becoming ever more fluid, and modern America has seen a rise in stay-at-home spouses of both genders. For today's 1.4 million stay-at-home dads, parenting is a central part of their identity and men have tripled time spent with their families over the last half century. The majority of today's moms work outside of the home, with around 57% participating in the labor force.... Read More

Does Your Teen’s Christmas Wish List Include a Car?

7 things to remember when buying your teen a car Your teenager gets his or her driver’s license. It’s a moment that can make you proud … and also filled with dread. Your baby will now be out on the road without a net. Then comes the decision of whether to buy your teen a car. If you are considering such a purchase this holiday season, there are 6 things you need to remember #1. Remember…this will affect your insurance... Read More

How to Avoid a Raucous Office Holiday Party Leading to a Lawsuit

Be sure everybody has a merry time with these tips Tis the season for cooler temperatures, department store Santas, and of course, office holiday parties. While these shindigs can often be a fun way to blow off some steam and talk to co-workers about things not related to copier paper jams and sales projections, they can also be a potential powder keg. Even if it doesn’t get as wild as what you may have seen on TV or in the... Read More

Common Myths About Life Insurance Debunked

How to navigate the Seven Deadly Shouldn'ts Full awareness of just what insurance will do for you is as valuable as the policy itself. When the time comes for coverage to do its job, many Americans find out the hard way that they were in the dark about the benefits. From confusing policies to outright myths, the reputation of life insurance suffers by too much misinformation. Read on to discover some common misconceptions about life insurance and how you can... Read More

What Ride-Sharing Drivers Need to Know About Car Insurance

Do you have the right coverage? Things now change so quickly, and the economy is perhaps the best demonstration of this. Think about all of the businesses that are so ubiquitous in our lives; companies like Amazon and Google didn’t exist a couple of decades ago, but now most of us probably couldn’t live without them. The same is true for even newer businesses. It used to be that if you needed a ride somewhere, you’d have to hail a... Read More

7 Home Upgrades That Can Lower Your Homeowner’s Insurance

Not just raising your home’s curb appeal Homeowner’s insurance…we all need it, but most of us fear the premium bill when it comes. Insurance rates continue to rise, no matter what part of the country you live in. It can be frustrating and a little frightening as you try to figure out how to pay the extra amount. However, there are some certain upgrades you can make on your home to lower your insurance rates. We outline 7 of those... Read More

What Kind of Insurance Does a Home-Based Online Business Need?

Make sure your livelihood is protected If you own a freelance, online, or ecommerce business and work at home, you might think you don’t need extra insurance. This is a mistake many home business owners make. There are many things that can go wrong that could lead to financial hardship. Anything from a client getting injured on your property to a fire or flood that damages office equipment or ruins inventory can become a big problem. If you aren’t covered,... Read More

Why Antique Autos Need a Special Type of Insurance

Caring for your collectible requires a little something extra When it comes to pinning down the definition of a true collectible car, the rules are as flexible as tastes are subjective. For the Classic Car Club of America, a Classic was born between 1915 and 1948, was high-priced with luxury features, and produced in limited quantities. The Insurance Information Institute says an antique or classic car has to be at least 25 to 30 years old to qualify, and must... Read More

Planning to Buy a Car in 2018?

Keep these 5 things in mind to get a great (and affordable) vehicle With Christmas coming up soon, you may be hoping that your friends or family have gotten all the hints you’ve dropped and that they’ll surprise you with a shiny new car in your driveway, complete with one of those huge red bows. But if that doesn’t happen, you’ll have to be the one who gets the car. These tips will help you out: Figure out your budget... Read More

How Much is Your Life Worth?

How to pick the right coverage amount for your needs For some Americans, life insurance (LI) is an unapproachable subject. Either it's too grim to think about or there's a commonly held opinion that a policy will just be too expensive. Of the roughly 37% of us who don't have a LI policy in place, over half of those cite expense as an issue. Further figures in the Insurance Barometer Study support this general concern. It shows 67% of those... Read More

How Bad Credit Can Raise Car Insurance Rates

3 steps to help lower the cost of auto insurance If you’ve ever made a big purchase such as a house or a car and had to get a loan, you understand the importance of having a good credit score. However, you might not be aware that credit can also affect what you pay for car insurance. Insurance companies take many factors into an account when determining what you should pay, and the rate is all based on the likelihood... Read More

Is Your Small Business Covered?

A checklist of the most important concerns Entrepreneurship can be a burden to bear. Imagination, initiative, dedication and drive are all required before a business even begins. Once you're out of the gate, it's you against the competition; but operating your own small business could also mean you against a lawsuit. No matter how small your business may be, the smart move is to continue the big thinking that got you started in business in the first place. Your goal... Read More

Tips for Getting the Best Deal on Car Insurance

7 ways you can save money There are two things most of us have in common. We have to buy auto insurance … and we all want to find the best deal on auto insurance. According to Value Penguin, “The average annual cost of car insurance paid in the United States was $907.38 in 2014 according to a study commissioned by Quadrant Information Services.” Of course, the price in each state and city can vary widely. Many factors can affect... Read More

Flood Insurance, Explained

Why your HI won't keep you dry Living in Florida has its fair share of hazards, and the likelihood of your home being flooded is high on that list. According to FEMA (the Federal Emergency Management Agency), floods are the most common and costly natural disaster in America, with more than 20% of flood damage claims filed by properties outside high risk zones. Despite the dangers, recent figures show that over 860,000 South Florida homes are still unprotected by flood... Read More

Filing Insurance Claims After Irma

You’re a part of the process, so step forward and be ready to participate Harvey, Irma, and Ned. This trio of hurricanes has caused many of us a certain amount of grief and frustration—either in the form of stress in preparation, or in the recovery process afterwards. You’ve probably already filed an insurance claim if you experienced damage from Hurricane Irma. But, what if you’re only just now discovering a problem that your insurance should take care of? The Consumer... Read More

6 Ways to Reduce Your Homeowners Insurance Rates

Tips for lowering your insurance premiums We all know the price of something invariably goes up over time. This applies to homeowners insurance as well. For the most part, the rate increase is due to rising property values and the costs of repair. Statistics show that insurance rates have increased an average of 50% over the last decade. That’s pretty steep and means less discretionary money to spend on eating out, going to the movies, or taking a nice vacation.... Read More

6 Things That Could Accidentally Void Your Homeowners Insurance

Common mistakes that could result in having your policy canceled Watching the news coverage of hurricanes and wild fires across the country this summer has been heartbreaking. If you live in one of the affected areas, the impact has been even more devastating. It also brings home the importance of good insurance to help rebuild damaged property and disrupted lives. Every homeowner must buy insurance, of course, but did you know certain actions could result in a termination of your... Read More

Woah, Watch Out! 5 Things That Can Accidentally Void Your Car Insurance Policy

Accidentally voiding your insurance policy can be expensive – and it’s a lot easier than you might think In order to legally drive pretty much everywhere in the U.S., you need car insurance. But car insurance isn’t a one-sided deal – it’s a bargain, with parts that both sides (you and your insurer) need to uphold. If you don’t keep your end of the bargain, even by accident, you could easily find yourself without insurance, and that can be an... Read More

How Pet Insurance Protects Your Furry Family Members

Keeping your closest companions safe from illness and injury Few things make us feel as good as our pets do, and the statistics prove it. A National Pet Owners survey reveals that 85 million American families own a pet. A massive 91% of owners consider them part of the family. The actual pet insurance (PI) figures aren't quite so cute. While millions of people don't think twice about car insurance, only around 1.6 million animals are covered by their owners.... Read More

Lapsed on Your Homeowner’s Insurance Payments?

Five tips on how to get a new policy without breaking the bank Everybody wants to save money and nobody wants to think of the worst. As a result of those two mindsets, many people go without various forms of insurance or allow their existing insurance to lapse. When it comes to homeowner's insurance (HI) first-time buyers may be relieved to hear that it's not something you're legally required to have. However, if you're buying your house via a mortgage... Read More

Off-Premises Coverage Can Protect You

How insurance deals with property theft outside your home It's a good feeling to have your home and its contents insured. If there's an issue with theft or an accident, you know you're covered. But what if you're a victim of theft while outside your home or even abroad? In such an event, it's off-premises coverage (OPC) that's going to look after you. Simply put, OPC is a clause of your existing homeowner's insurance which extends beyond the property defined... Read More

3 Ways Your Business Could be Under-Insured

And why 40% of businesses don't reopen after a natural disaster 75% of U.S. businesses are currently underinsured, and that’s leaving a lot of owners (and their employees) vulnerable to natural disasters and financial emergencies. While an event like a natural disaster might seem like simply a setback, it’s often fatal to success. Over 90% of businesses fail within 2 years of being struck by a natural disaster. However, many organizations might have been able to keep their business open... Read More

Have You Experienced a Break-in at Your Home? What to Expect from Your Insurance Company

Understand how your homeowners’ insurance coverage works in the event of a burglary Experiencing a home burglary can be a frightening experience. However, you need to stay calm and follow some important steps with your insurance company to protect your interests and minimize the inconvenience and possible financial complications. First, file a police report so that you can get started on making a claim. Once the report has been written up, call your insurance company right away. In some states,... Read More

How Letting Others Borrow Your Vehicle Could Affect Your Car Insurance Policy

You could be liable if someone gets into an accident with your car Letting someone borrow your car might seem harmless, but it could have serious financial implications. Unlike what many might think, car insurance does not usually follow the driver, it follows the car. Therefore, if you lend your vehicle to a friend or family member who crashes the vehicle, you might see a large increase in your car insurance rates. To make sure you don’t have to pay... Read More

How Your Income Affects Your Car and Life Insurance Rates

Does income affect car and life insurance rates?  Understanding what goes in to determining how much you payDoes income affect car and life insurance rates?  Understanding what goes in to determining how much you pay There are many factors that go into how much you end up paying for car and life insurance. Determining rates for each individual is a complicated process of algorithms and formulas that takes into account multiple factors in order to determine the likelihood that you... Read More

Working, Doing Business in or Visiting a Foreign Country? You May Need Kidnap and Ransom Insurance

There are many risks involved with travel that can be eased with insurance, from natural disasters to human error. It's a sad fact that human intent should also be placed firmly on that list. Being kidnapped abroad isn't as easily avoided as sticking to the tourist areas and being careful about which invitations you accept. The figures exceed 100,000 kidnappings a year and the numbers aren't confined to any particular demographic. Far more kidnappings are suspected to have gone unrecorded... Read More

Reputational Risk Insurance: Is It a Smart Purchase for You or Your Business?

It's been said that our reputations are like that of a great painting: once theauthenticity has been questioned, it is never looked at in quite the same way again. It is perhaps only the giants of business or public office who may survive damaging reviews. For everyone else, a reputation has the potential to make or break us. Insurance can cover a great many undesirable outcomes and thankfully harm against your reputation is one of them. Insurance can be sector-specific;... Read More

Insurance Policies and Storm Damage: How to Make Sure You’re Prepared

The greatest benefit of consulting with an insurance professional is enlarging the small print and finding the plan that works for your individual circumstances. Terms can be vague, policies unclear and payouts uncertain. When it comes to storm damage it's best to know not only if you're covered but just how the term “storm” plays out for policy holders. Pinning down this definition can be as messy as the worst weather, so let's take a look at what you need... Read More

How Artificial Intelligence May Affect Your Car Insurance

Some food for thought on driving in the future For every new technology humanity creates in the 21st century, there is a knock-on effect. The globalization of tech has seen boundaries blur between business and production sectors until a worldwide technological model is emerging where everything from books, smartphones, tablets and even our homes are sharing a common digital language. Where humanity creates, there is always the potential for error in performance. Where that potential exists, insurance must be there... Read More

Does Time of Year Matter When Buying Car Insurance? Months and Marriage Can Make a Difference

According to figures at dmv.org, the national average for yearly car insurance is around $900 a year. Car insurance of some kind is a must in America and can even be a medical back-up in No Fault states like Florida where, regardless of who caused an accident, your car insurance can help pay medical costs. It's generally known that policy figures vary from state to state dependent on a number of factors, but what's not so well known is that... Read More

Is Travel or Vacation Insurance a Good Investment?

The answer can depend for you and your family Two prime concerns on any trip or vacation are safety and comfort. A lot can go wrong once you're on your way, from loss of property to serious personal injury. It may seem the common sense move to add travel insurance to your list of expenses, yet for many Americans it's not something they feel they need to pack. Is this a wise decision with ever-increasing numbers of us travelling internationally?... Read More

How Critical Illness Coverage Can Help You and Your Family When Medical Disaster Strikes

With the insurance landscape constantly changing, traditional health insurance may not be enough to cover the needs of critical illness patients From heart attacks and strokes to M.S. and ALS, critical illnesses affect tens of millions of Americans each year; and when they don’t kill, they can seriously affect an individual’s quality of life. Despite the devastating impacts of these conditions, most insurance policies simply aren’t equipped to handle the incredible expenses of treating a critical illness. It’s estimated that... Read More

Do You Need a Long-Term Care Insurance Policy?

The insurance rule of thumb “buy it before you need it” is never more applicable than when it comes to our health. We protect our homes, cars, property and even vacations. All those things come and go, but the only thing that sticks around is our body. It's common to take out dental and medical insurance to cover short work or hospital stays, but giving thought to long-term care insurance is definitely worth your time. Long-term care insurance exists to... Read More

Does Your Child Need a Life Insurance Policy? A Look at Both Sides of a Sensitive Debate

Insurance by its very nature entails considering the worst. Being prepared for a leak in the roof or a lawsuit against your business is unpleasant. When it comes to considering the mortality of our loved ones it can be so sobering we either go overboard to compensate or simply don't want to know. Of all the policies, insuring against the death of a child is surely the hardest to consider. It has its defenders and detractors. In this blog, we... Read More

Professional Liability Insurance: A Good Idea for More than Just Doctors, Lawyers, and Accountants

It's hard to argue against insurance being a good idea. Unfortunately, it's viewed by many people as a safeguard against something that might never happen (over 36 million Americans go without health insurance even in the face of guaranteed mortality) and too often is deemed an unnecessary expense. Many professionals decide to adopt the same overly optimistic outlook. While it's good to be a confident provider of a service, forgetting that the market (and consumers) can be a costly thing... Read More

Does Your Business Need Product Liability Insurance?

How to protect yourself from lawsuits regarding product defects The concept of requiring product liability insurance isn't a pleasant one. Every business likes to think their product will be safe and sound when it goes to market. It means you have to entertain the notion of people or property being damaged by a product you provided. Many businesses are covered to some degree by their Commercial General Liability (CGL) policy which covers non-professional acts of negligence. Product liability insurance is... Read More

Additional Insurance to Protect Rental Property Owners and Airbnb Lodging Providers

Homeowner’s insurance may not be sufficient to protect landlords from potential legal liability Nearly 7 million, or close to 3% of Americans own rental property as an investment-- while another 1%, or 3 million, rent out all or part of a property they own on Airbnb and similar sites, to say nothing of the thousands (or millions) more who unofficially rent to friends or advertise their rental by word of mouth. All this renting is generally a good thing; homeowners... Read More

Expensive Assumptions: Uninsured Drivers at Fault and How to Protect Yourself from Them

Making sure you’re fully covered can save you serious time and money If you’re at fault for a car accident, you know that you and your insurance company will likely have to pay for it, no matter what. However, if the other person is at fault, and doesn’t have enough (or any) insurance, you could also be forced to open your wallet to pay for part of the damages. Despite the financial risks that uninsured and underinsured drivers cause to... Read More

More is More: Why Insurance Companies Offer Discounts on Multiple Policies, Despite Taking on More Risk

Bundling your policies can bring your insurance company extra business-- and leave you with some extra cash If you’re like the average American, you have multiple insurance policies, including homeowners, auto, and life insurance, that can help protect you and your family from financial disaster. However, if you’re like most Americans, you might also be missing out on the savings you could get by consolidating all your insurance policies under one carrier. Doing so means you can qualify for serious... Read More

Sins of Omission: Why it’s Important to be Truthful with Your Insurance Agent

Serious omissions could cause your insurer to drop you-- or worse When it comes to insurance, honesty is the best policy-- but that doesn’t stop thousands of Americans each year from being dishonest with their insurers to save money upfront. Whether it’s slightly altering their payroll and employee information when applying for business insurance, or failing to mention a previous accident to a new auto insurer, mistruths among the insured are often as common as insurance policies themselves-- but they... Read More

Reinsurance: What It Is and How It Can Help Your Insurance Company Keep You Protected

Sometimes, even insurance companies themselves need insurance Think about your doctor, dentist, or massage therapist-- just because they know how to treat illnesses, fix teeth, or give a massage doesn’t mean they don’t visit their own doctors, dentists, and massage therapists when they need help with a problem. (Giving yourself a massage just isn’t the same.) The same can be said of insurance companies-- as even they need insurance. Insurance that insurers buy to reduce risk is referred to as... Read More

Where’s the bulldozer? The Cost to Ensure Heavy Equipment Against Theft is on the Rise

Mowers, loaders, and tractors are at the greatest risk for theft In 2014, nearly 12,000 heavy equipment thefts were reported in the United States-- a slight increase over the previous year, but a serious amount compared to five, ten, or fifteen years ago. In fact, some experts believe the issue now costs American heavy equipment owners up to $1 billion a year when downtime, rental costs and wasted business productivity and associated costs are added to the cost of equipment... Read More

Best of Breed: Being Truthful with Your Insurance Agent About Dogs in the Home

Failing to inform your insurance company about any dogs you own could lead to serious consequences Fourty-four percent of the nearly 120 million households in the United States own a dog--- but many of them never tell their insurance company. While it’s tempting to keep your furry best friend a secret from your insurance company in hopes of achieving a lower rate, doing so could leave you liable to lawsuits if a serious accident-- like your dog biting a stranger... Read More

Running a Home-based business? Be Sure Your Homeowners Policy Has You Covered

Many home-based business owners need one or more insurance policies to protect themselves and their businesses from a variety of threats According to U.S. government statistics, nearly 30% of American homeowners run a business from their home. However, many of them do not have insurance other than their regular homeowner’s policy-- which, in many cases, may not cover all (or any) of their business activities, and in some cases, could even invalidate parts of their existing policy. Unfortunately, much of... Read More

If Cars Could Talk: What Cars Say About Their Drivers, and How it Impacts Insurance Costs

More expensive vehicles and those more likely to be stolen often cost more to insure When it comes to determining your car insurance rate, auto insurers take a variety of factors into account-- and one of the most important factors is the make and model of the car itself. There are few hard-and-fast rules about which types of vehicles are more expensive than others, but a few generalizations can often be made. These include: • Cars are usually less expensive... Read More

What’s Your Score? How and Why Personal or Business Credit Scores Impact Insurance Coverage Costs

Insurance companies look to personal and business credit scores to determine potential risks of insuring an individual’s car, home, or business Insurance is a game of risk-- and to set an accurate (and fair) policy rate, your insurer needs to be able to estimate the risk that you’ll be involved in for an expensive claim. To do that, they’ll need to know more than simply your age, career, and location. So most, if not all insurers, turn to their customers’... Read More

Renovation Regret: Why You Should Consult Your Insurance Agent Before Remodeling

In addition to checking with your insurance agent, any contractors, subcontractors you use must be insured, licensed, and bonded Renovating your home can be an exciting process, but there a ton of things can go wrong-- many of them incredibly expensive. From faulty construction methods, to theft of work materials, use of unlicensed contractors, and accidental building against code for fires and other disasters; both unintentional errors and intentional misdeeds can leave your home a wreck and your finances significantly... Read More

“Acts of God”: What This Means and How to Ensure You’re Protected

Unavoidable events that are not the result of man-made actions are in a special category when it comes to insurance In insurance lingo, an “Act of God” is a natural event that could not be prevented via precautionary measures or avoidance of risky behavior and actions. Many of these events are natural disasters or phenomena, such as floods, hurricanes, tornados, snowstorms, or sleet. However, just because an accident involves natural phenomena doesn’t necessarily mean that it’s an “Act of God.”... Read More

It’s Not Enough: How to Avoid Being Underinsured

Being underinsured may force individuals to pay significant out-of-pocket costs when disaster strikes Being underinsured means that your insurance policy doesn’t cover the full value of the item you’re insuring-- and that can leave you in a sticky situation if you’ve experienced a serious accident, injury, or other disaster. Despite the risks of underinsurance, millions of drivers, homeowners, and other individuals have a serious gap in their insurance coverage. While this may allow them to save money in the short... Read More

Pool Safety and Drowning Prevention Tips

Drowning is more common than you might expect, and homeowners need to take steps to make sure their pools are safe With an average of 10 people dying of drowning in the United States every day, drowning has become more than an occasional tragedy. Now the fifth leading cause of unintentional injury death in the U.S., drowning will only continue to increase unless parents, residents, homeowners, and other individuals create safe pool environments and practice better pool safety in the... Read More

Insurance Jargon Demystified: How Deductibles are Determined – Part 3 of 3

What deductibles are, how they work, and how they’re calculated Insurance policies can help reduce your risk of undergoing a serious financial loss when something happens to your car or your home-- but they don’t cover absolutely everything. To get a payment from your insurance firm, you’ll have to share a little in the risk of the loss-- usually by paying a deductible. In many cases, a deductible is simply “deducted” from an insured individual's payment after a loss. Some... Read More

Insurance Jargon Demystified: No-Fault Insurance – Part 2 of 3

How ‘no fault’ laws affect drivers differently in different states More than 10 states have ‘no-fault’ insurance laws. This means that injured drivers will be making a claim against their insurance company-- whether they’re at fault for an accident or not. However, no two state’s no-fault laws are the same. Some state laws have limits that restrict the amount of damages that can be claimed, yet in other states, the claim amount is unlimited. How exactly do ‘no fault’ claims... Read More

Insurance Jargon Demystified: Replacement Cost Versus Actual Cash Value – Part 1 of 3

Replacement cost is the cost of an identical new product or item, while actual cash value incorporates depreciation When it comes to reimbursing a policyholder for a financial loss, insurance companies have multiple ways to calculate the specific sum they’ll pay out. The most common options are replacement value and actual cash value. Replacement cost value (RCV) is often considered best from a policyholder’s perspective, as it will reimburse an individual for the entire cost of replacing lost, damaged, or... Read More

Childproofing Your Home: How to Protect Your Toddler

Protect toddlers from suffocation, choking, and poisoning by taking responsible precautions Raising a toddler can be one of the most challenging accomplishments that any parent or caregiver ever achieves. It doesn’t help that toddlers can be curious to the point of accidentally hurting themselves, often exploring, touching, and climbing on anything and everything within reach. In addition, toddlers will often put things in their mouth, which can certainly add to your stress when trying to re-design your home to protect... Read More

Finding and Trusting Your Automotive Mechanic

Ask around, do research, and trust your gut before choosing a new auto mechanic Finding a good auto mechanic is much like finding a good doctor. When you have one, you never think about it, but when you don’t, it can cause serious stress-- especially if your car is sick-- i.e. in need of repairs. When it comes to auto mechanics, making a bad choice could mean more than just another repair bill in the near future. Unfortunately, in some... Read More

Car Tires: What Matters Most When Replacing Your Rubber

Making smart tire replacement choices can save you money in the long run You think you need new tires, but you aren’t sure where to start. Unless you’re a car person, or you’re rich enough to change your car out every 2 years, nearly everyone has been in this situation. Luckily, you don’t have to be a trained mechanic to know when to head to your auto-shop or dealership to change your tires. Just follow some of the advice below,... Read More

5 Tips for Handling Stress in the Workplace

Taking steps to better understand and deal with your stress can make you more positive and productive in the workplace If you’re stressed at work, you’re not alone. According to an APA study, 24 percent of Americans reported experiencing extreme stress in the last year— and work was one of the top contributors to Americans’ overall stress levels. Much of the research on workplace stress indicates that workers’ stress levels rise when they perceive themselves as having little control at... Read More

Big Myths about Small Business Insurance — DEBUNKED!

Independent contractors, home-based and part-time business-owners all need comprehensive small business insurance coverage Small businesses are the cornerstone of the American economy. Per U.S. government data, there are nearly 28 million small businesses in the United States, collectively employing tens of millions of employees around the country. The U.S. government defines a small business as one with less than 500 employees-- but most small businesses are much smaller than that. While many small businesses with more than 100-200 employees have... Read More

Recently Retired? Start Thinking About These Policies Today

Finding the right insurance policies for your lifestyle and financial goals can be a challenge If you’ve just retired, insurance might be the last thing you want to think about. Your focus is more likely on martinis, golf, and long days at the beach (if you’ve planned your retirement correctly, that is). While it may be easier to forget your financial responsibilities for a few years after you’ve retired, doing so could lead to serious headaches down the line-- especially... Read More

Life Insurance for Singles? 4 Situations to Consider

Life insurance isn’t a good choice for all singles-- but more of them can benefit than you might think If you’re single-- especially if you’re in your twenties, you might think that purchasing a life insurance policy isn’t a decision you’ll need to make for at least a few decades. However, in many circumstances, life insurance can save you and the ones you care about significant financial stress. In fact, if you have serious debt or believe you may develop... Read More

4 Money Mistakes Twenty-Somethings Make and How to Avoid Them

Saving properly, avoiding bad debt, and surrounding yourself with the right people are key for a bright financial future. Many people in their twenties feel like they still have the entire world ahead of them- so they put off making smart financial choices until later in life. While that’s true that twenty-somethings have a lot more of their lives to go, the financial decisions you make in your twenties will either haunt you or help you in the 30s, 40s,... Read More

On the Road to Recovery: The Importance of Disability Insurance

Understand your individual risk level to make a smart and informed choice about the best policy for you and your loved ones Homeowner’s insurance. Life insurance. Hurricane insurance. When we think of insurance, these are the kind of policies that usually come to mind. Rarely, if ever, do people think of disability insurance. Perhaps that’s because the chance of a healthy adult getting a serious, multi-year disability is relatively small. However, despite the small chances, the consequences for the individual... Read More

How to Get Financially Fit in your 40s (or 30s or 50s)

These tips can help whip you into financial shape at any age. You could be 30, 40, or 50-- maybe you have a decent job, and you’re responsible, but you’re not where you wanted to be financially. When you look toward retirement, instead of seeing margaritas and sunsets, you see unpaid medical bills and a looming property foreclosure. In the stress of it all, you might want to give up. After all, if you’ve gone this far without saving, planning,... Read More

How to Prevent the 3 Most Common Home Injuries

Falls, poisoning, and burns all present unique risks. If you’re like most people, you think that your home is the epitome of a safe place-- but your home could be a lot more dangerous than you might think. Statistics indicate that more than 20 million Americans visit the hospital and nearly 20,000 Americans die each year due to household injuries. Why do so many of us get injured at home? It’s hard to say for sure--perhaps it’s because we let... Read More

Workers’ Comp: What to do if You’re Injured on the Job

Get treatment for injuries, notify your supervisor, and document the injury as thoroughly as possible. Whether you work as an oil driller or a software developer, there’s always a chance you may get injured at work. However, if you don’t know how to deal with the situation and make the right choices after your injury, you may not be able to get as much (or any) of the workers’ compensation funds that you might need for medical expenses, to pay... Read More

From Campus Safety to Dorm Room Discrepancies: Preparing for College Life Outside the Classroom

Succeeding (and staying safe) in college is about more than just grades College may just be the most exciting time in our lives. It’s a whole new world from parents and teachers and the long-awaited freedom that most teenagers die for. It is an opportunity to prove yourself, try new things, and become a new person. However, in college as in any stage of life, you’ll have to deal with some uncomfortable and potentially stressful people, places, and events. Some... Read More

From Winter to Spring: How to Prepare your Car for Weather Changes

Tips, tricks, and advice to keep your ride running smooth When most people think about prepping their vehicle for a change in the weather, they usually think about winterization-- checking their anti-freeze, stocking the car with emergency supplies, and the like. In the rush to make sure your car runs well in the winter; you might be forgetting that the transition from winter to spring is just as important. That means that if you aren’t taking the right steps to... Read More

6 Ways to Protect Your Home from a Hurricane

It’s never too early to prepare Hurricane season doesn’t officially begin for several months, but for folks living in danger areas – like South Florida – it pays to get ready sooner rather than later. If you’re planning to do some spring cleaning around your home, think about adding these things to your to-do list: Check out all doors and windows It’s possible that you have a cracked or broken window in your home and don’t realize it. When a... Read More

Motorcycle Safety: How to Avoid Being Another Statistic

Before you take your next ride, think about these six tips. When you think about a “cool” means of transportation, a minivan probably doesn’t pop into your head. A motorcycle, however, surely does. For several decades, movies and TV shows have depicted motorcycles as the vehicle choice of the coolest characters, whether it was James Dean, Fonzi, or even Ghost Rider. And while motorcycles can be fine vehicles, they are also dangerous. According to a report by the National Highway... Read More

Don’t Get Mugged: 10 Tips on Personal Protection

Put your phone away, trust your instincts, and more ways to stay safe In a perfect world, we’d be able to go where we wanted, at any time, without having to worry about anything. Unfortunately, in many places around the U.S. that’s more of a dream than a reality. This is why we all need to stay vigilant in order to remain safe. These tips will help you avoid being mugged: Stay in touch You should never go anywhere without... Read More

6 Surprisingly Common Financial Practices of Millennials

Millennials are a smart bunch, but often not so much with money Making up more than a quarter of the U.S. population, Millennials are a force to be reckoned with, and if you aren’t in this demographic, you surely know somebody who is. While there are many positives associated with this group – Millennials are killing it with entrepreneurship, for example – many still have a lot to learn when it comes to finances. Here are six areas in which... Read More

5 Homeowners Insurance Myths that Could Hurt New Families

Don’t believe these common misconceptions Buying a new home – especially if it’s your first – is very exciting. If you’ve finally found the perfect house after a long and exhaustive search, you are probably anxious to move in, start decorating, and truly making it your home for you and your family. To protect your investment, you probably know that you’ll need homeowners insurance. But before you just buy any policy or go with the cheapest option, here are some... Read More

What do You Need to Know about Car Insurance?

Before you buy a policy, keep these seven things in mind Planning to buy a car soon? If you haven’t already, you’ll probably do a lot of research to find a great vehicle that meets all of your needs. Then you’ll start looking at dealers in your area to see if they have what you’re looking for in your price range. But will you do the same amount of homework when shopping for car insurance? If you want to save... Read More

Traveling Abroad: 3 Simple Tips for Making it There (And Back) Safely

In your quest to experience new cultures, there are some key tips and tricks we recommend following for the safest travel experience. The ability to hop on a flight and be anywhere in the world has to be one of the greatest technological advances of the 20th century. Prior to the development of commercial airlines, we could only experience countries like China and New Zealand through photographs and second-hand tales; unless you were willing to hop on a ship for... Read More

Backpacking: Life-Saving Essentials for Your Pack and Your Mind

There’s no better feeling than strapping on a backpack and hitting the trails. Follow these tips and you’ll be sure to have a safe excursion. Travel with an experienced backpacker While it may seem tempting to rough it out in the wilderness on your own, we highly suggest backpacking with an experienced friend–especially if this will be your first time out on the trails. Sure, you can do exhaustive online research to try and preempt any obstacles that you may... Read More

Tips on understanding your insurance contract

Whether you’re purchasing, upgrading, or replacing an insurance policy, it pays to understand your contract In today’s risky world, it sometimes seems like the average person needs 100 insurance policies. Between homeowners insurance, life insurance, medical insurance and auto insurance, it can be difficult to understand the important details and functions of each policy and how they could affect you and your family’s physical and financial health in the case of unplanned expenses, natural disasters, accidents, and medical emergencies. Understanding... Read More

How To Make Sure Your Homeowner’s Insurance Is Sufficient

Review your insurance policy regularly to ensure that it fits your family’s financial needs Homeowner’s insurance is a necessary protection for nearly everyone who owns a home-- but how do you know if you have enough? What other expenses could you incur if your home is damaged or destroyed? What’s the most accurate way to calculate the value of your home? If you’re a homeowner, these are the types of questions you should ask to make sure you and your... Read More

Commercial Property vs. Business Liability Insurance

What’s the difference and what do you need to know? No one ever really wants to talk about insurance. It seems pretty negative, especially when a new business owner is quite excited about striking out on his or her own. The insurance conversation, though, is an important one to have—particularly for small businesses. There are unforeseen risks out there, and if one is not prepared, any one of them can damage a business so badly that it may not be... Read More

Is Your Small Business Protected From Social Media Blunders?

How to heal a headache before it happens What do you get when you add an impulsive thought to a quick posting finger? For most individuals it’s an “oh-no” moment, maybe a shrug of the shoulders, maybe some embarrassment, maybe a lesson to think before posting. For small businesses, though, a social media blunder can quickly snowball into something bigger, including public apologies, brand damage, and—perhaps—legal action. In the world of small business, the social media blunder risk is relatively... Read More

How to Combat the Biggest Risks for Your Small Business

Three essentials needed to minimize damage Traditionally, January means resolutions and fresh starts. It’s the New-Year-New-Me Syndrome—and most of the time, promises to self often fall apart within the first few weeks. For business owners, though, the beginning of a new year is a chance to either start a new venture or to re-evaluate a current one. All businesses have varying degrees of risks, but the small ones, perhaps because of lack of business knowledge or a desire to keep... Read More

The Good, The Bad, And The Ugly: The Many Types of Employees

3 types you want, 3 types you want to avoid, and 3 types you need to quarantine When it comes to casting a reality show, producers know conflict is a ratings winner. That’s why they often put together a strong group of characters, with that one character who specifically likes to stir the pot. The same, though, isn’t true for business. In a professional work environment, certain personality types deserve a place, while others should be avoided like the plague.... Read More

4 Things You Must Include When Training New Hires

Building a firm foundation from day one The first day on any new job is nerve-wracking for all parties. The new hires can easily feel overwhelmed and anxious in their new territory, and the leadership team can be just as jittery in getting things off to a positive and successful start. A major ingredient to ensuring success for new hires and the firm is to create a new hire training program that is not only welcoming, but is also one... Read More

Avoiding a New Year’s Burglary: Tips for Keeping your Home Safe

The tree is still up and the gifts are still there, now let’s keep it that way If you thought your holiday burglary risks were over after Christmas, think again. New Year’s Eve may actually even be a more popular time for theft and burglaries. Come New Years Eve, thieves know that every home is filled with newly opened gifts; plus, they don’t have to worry about guessing games when it comes to choosing the priciest loot—everything is right out... Read More

Road Rage: Keeping Your Cool When the Road Gets Hot

How to handle road rage and the road rager We would like to think that “road rage” is something that happens—something that we, of course, never cause and something that only affects hot heads on the road. However, in 2005, a young mother of two innocently pulled her car into south Florida traffic (apparently much too slowly for the driver behind her). According to eyewitnesses, the raging driver passed her, moved into the lane in front of her, and tapped... Read More

Trampolines, Swimming Pools, and Puppies, Oh My! Do You Know Your Homeowner’s Insurance Restrictions?

Your homeowner’s insurance policy is in place, but do you know what exactly is covered? No matter how safe your home, lawn, and all of your assets are, unfortunately, bad things happen every day—from burglaries, to backyard injuries, to natural disasters—there’s no such thing as ever being too prepared for the unexpected. In the off chance that you are hit with an unplanned injury, emergency, or speed bump, do you know what, exactly, your insurance policy covers? Although homeowner’s insurance... Read More

The Risks of Pokémon Go: How to Play Safe in the World of Augmented Reality

You may not have realized that there are certain safety precautions when it comes to virtual reality games and phone applications, but it is important to keep these practices in mind! Did you know there’s a website dedicated to tracking injuries and deaths that have been associated with the augmented reality phone application Pokémon Go? To date, the site’s statistics report 12 deaths and 51 injuries, and while you might not have given much thought to the “safety” associated with... Read More

How to Navigate Purchasing a New Car for Your Teen Driver

Make sure you ask the right questions before you and your teen sign on the dotted line While it’s something we’d like to think can never have to us, teenage drivers are three times more likely to be in a motor vehicle accident those of us over the age of 20. Choosing the right car for your son or daughter is crucial for safety, security, and reliability, so it’s important to understand what to look for beyond the obvious. First... Read More

When it’s Time to Give Back to the People Who Gave You Everything

The sandwich generation: how to navigate the challenges of a multi-generation home While it’s an honor to support your parents, and a unique blessing for grandparents to be so involved in your children’s lives, running a home in which you have to care for both your children and your parents can be quite challenging. Unfortunately, there’s not a one-size-fits all modus operandi for multi-generational home-makers, but there are ways of mitigating the emotional and financial challenges that you may come... Read More

Must-Have Emergency Supplies for Your Car

Avoid roadside dangers with these emergency kit must-haves Would you eat a can of dog food? Or, maybe a better question is can you imagine being hungry enough to? That’s what the Canadian Arctic rescue team advocates drivers keep in their car in case of emergency. The idea is that the driver won’t be tempted to eat the emergency puppy chow until they really need to. Thankfully, most drivers won’t face that level of isolation, even in their most desolate... Read More

Don’t Let the Holidays Season Ruin Your Business (or Your Employees!)

How to protect your business and staff during the most wonderful time of the year From parties and booming business, to thieves and uncomfortable coworker interactions, the holiday months usher in peak opportunities for fun, festivities, and crooks. With so much going on, it’s easy for small business owners to lose focus. That’s why it’s important to approach these high times with mindful cheer. When it comes to keeping both your business and your employees safe, the holiday season is... Read More

Chestnuts should be the Only Thing Roasting: 6 Ways to Prevent Christmas Tree Fires

Follow these safety tips to make sure your holiday fun doesn't go up in smoke Christmas trees are one of the most beloved types of holiday decorations, but if you’re not careful, they could be putting your family home at serious risk for a fire. By taking a few sensible precautions, you can greatly decrease the risks a tree poses when it comes to fires—and thus enjoy the natural beauty of your Christmas tree in peace. Consider getting an artificial... Read More

Protect Yourself from Identity Theft: 5 Tips for Safe Holiday Shopping

Take smart precautions to avoid becoming a victim this holiday season With the holidays well on their way, many people are already purchasing gifts, decorations, food, and other goods for various celebrations of the season. While all the extra shopping is good for the economy, it’s also a potential boon for identity thieves—and it doesn’t help that most people are heavily distracted by conflicting feelings of stress and excitement that the holidays so often bring. While calamities like fraud and... Read More

Fa La La La La: Holiday Decorating Safety Tips

Balance fun and safety with these helpful tips While holiday decorating can be a fun way to bond with family and friends, your festive decorations can pose more dangerous risks than you’d think. Each year, more than 13,000 people are injured from holiday decorating alone, and unless you practice proper safety, you could be one of them. But don’t fret; just follow these tips to ensure a fun, safe, and memorable holiday decorating process: Choose the right tree When looking... Read More

Holiday Road Trip? Make it Smooth, Easy, and Safe

If you and your loved ones plan to hit the road this season, be sure to take the proper safety precautions A holiday road trip is one of the best ways to spend time with family and friends during the season. However, if you’re not careful and well-prepared, your holiday road trip could be filled with hassles, setbacks, and even safety risks for you or your family. But don’t worry—just do little bit of preparation and follow the tips below... Read More

6 Ways to Keep Your Holiday Party More Nice Than Naughty

Follow this guide to keep all spirits bright There are plenty of great reasons to host a holiday party for your company. It builds camaraderie, recognizes your employees, celebrates a year, and energizes your team for the New Year. It’s also a headache. Beyond the party planning basics, such as food and location, there are several issues that, if not realized beforehand, can leave you facing damaging liability and tremendous legal fees. No mistletoe Did you know that many sexual... Read More

How to Avoid Insurance Claims on Thanksgiving

Giving thanks for a well-done holiday Thanksgiving. The word alone conjures up images of a Norman Rockwell painting: family and friends, fall foliage, football, parades, and turkey with all the trimmings. It should also bring to mind fire safety. According to the National Fire Protection Agency (NFPA), cooking is the number one cause of home fires and injuries. And since Thanksgiving is the day when nearly every kitchen in the country is being used, it serves to reason that the... Read More

Cyber Monday: Online Buyers Beware

How to avoid cyber scams & keep your personal information safe When it comes to online shopping during the holidays, especially on Cyber Monday, shoppers cannot help but be awed. It’s easy and convenient. There are bargains on top of bargains. And it’s hassle free—no more driving in circles to find a parking space at the mall; no more wrestling other shoppers for the must-have gift; no more standing in long lines and coordinating when to meet in the food... Read More

10 Tips for Keeping Your Home Safe While Traveling for Thanksgiving

How to make your homecoming a thankful one It’s no secret that the Thanksgiving holiday is one of the busiest travel periods of the year. You know it. Burglars know it. Before leaving for turkey day, there are a few steps you can take—beyond checking and rechecking locks—that will give you peace of mind while away and a tremendous feeling of thanks when you return to a home that is exactly as you left it. 1. Tell a friend or... Read More

Actual Cash Value vs. Replacement Cost—What’s the Difference?

Choose the coverage that’s right for you When you purchase insurance, it’s important to understand exactly how your policies work. But like many other professional fields, insurance jargon can be confusing and difficult for folks outside of the industry to understand. With that in mind, here’s a look at two terms that a lot of people aren’t familiar with: What is actual cash value? When you have an insurance policy that is based on actual cash value, you will receive... Read More

Fender Bender? Make Sure You Do These 5 Things Before Driving Away From the Scene

Be prepared and stay calm It’s frightening. Even if it’s just a minor incident, being involved in a car accident is always unexpected and stressful. And while there’s little you can do to avoid that surge in adrenaline or your emotional distress when it happens, there’s a lot you can and should do immediately following a collision. Take a deep breath and then follow these steps: 1. Stay calm Nobody ever expects an accident, so panic is often the first... Read More

Victim of a Burglary? 4 Things You Need to Do Right Away

And steps to take before it happens. It’s a truly terrifying experience to discover that someone has broken into your home. Many emotions rush through you—the feeling of being violated and the fear that your family could have been hurt. When it happens, it can be really difficult to know what to do next—but pulling yourself together and taking the right steps is imperative. Knowing what to do in the event that your home is burglarized is extremely important: 1.... Read More

8 Questions You Should Ask the Dealership before Buying A New Car

Only fools rush in...ask questions first! It should be a no-brainer, but buying a new car is not only complicated, it’s intimidating and can take hours of your time and energy. And while the thought of driving off the lot with a brand-spanking new vehicle is exhilarating, take a breath and remember to ask these important questions before signing on the dotted line: 1. Are there any additional fees? The stereotypes of shady car salesman didn’t emerge out of nowhere.... Read More

Are You a Defensive Driver? You Should …and Shouldn’t Be

If you answered no, check out these self-protective driving tips… and if you answered yes, are you doing these things? Approximately 1.3 million people die in car crashes each year, which averages to about 3,287 deaths per day; and millions more are injured or disabled in accidents. These statistics demonstrate a fact that all of us who drive already know—getting behind the wheel can be extremely dangerous. And unless you are taking the necessary steps to protect your safety, you... Read More

Top Items to Keep Handy in Case of an Emergency

Make sure you’re prepared and able to protect your workers and business Although most of us hesitate to picture ourselves at the office when an emergency strikes, the truth is that anything can happen at any time. As a business owner, it’s your responsibility to keep your workers safe, and having an emergency kit onsite is a key way to do so. While most companies have a first aid kit and fire extinguishers, you may want to consider stocking up... Read More

New Driver in the Family? 6 Tips to Save Money on Your Auto Policy

Your teenager has been liberated! But how much will it cost you? For a teenager, getting a driver’s license is one of the most exciting days of their lives thus far. And with good reason—it’s more than a milestone, it’s a brand new level of independence and responsibility. As a parent, this moment is also exciting—and a bit frightening! In addition to the fact that your child will now be on the road on their own, you’ll have to face... Read More

What’s a Trust and Do You Need One?

Spoiler alert: you don’t have to be a billionaire to need one There are several different types of trust funds, but in essence, a trust is an agreement that specifies exactly how you’d like your assets distributed and to whom. There are numerous benefits to having a trust and it’s different than a will in various ways. Do you understand exactly what a trust is? And how can you tell if you need one or not? Take a look: What... Read More

Critical Illness Insurance – What It is and Who Needs It

Why your regular health insurance is just not enough Do you know what the number one reason for personal bankruptcy filings is in the United States? If you’re thinking credit card debt or mortgage issues, you’re actually incorrect. The fact is, millions of people each year are forced to declare bankruptcy because they’re unable to pay exorbitant medical bills. Many others end up cleaning out their savings and cashing in their retirement accounts just to cover the cost of treatments,... Read More

Turned Down For Life Insurance? What to do Next

You were expecting a yes. Now what? It happens. Even to those of us who don’t expect it at all. You applied for life insurance because you know it’s essential— assuming that you’d get coverage, start paying your premiums, and then feel a great sense of peace knowing that your loved ones will be taken care of in the event of your death. But then, to your surprise, you receive notice that you’ve been denied by the insurance company. How... Read More

8 Financial Must-Dos for Newlyweds

Here’s what you two need to do after saying “I do” The newlywed phase of your life together will be unlike anything you’ve experienced before. What used to be “his” and “hers” becomes “ours” and many things that were once separate become shared. And while you may be caught up in the bliss that follows your honeymoon, when life begins to return to normal, it’s necessary to take a good look at your financial situation. You and yours will need... Read More

Disability Insurance: Why You Need It

What would you do if you weren’t able to go back to work for several months? By the time you reach the age of 35, you have a one-in-three chance of becoming disabled for more than 90 days during the rest of your working life. That’s a stat no one should ignore. And while you may be thinking that you’re young and healthy, the reality is that accidents happen and no one is immune to them. For many folks, the... Read More

Slapped With A Professional Liability Lawsuit? Here’s How to Win

Don’t panic—follow these tips instead The word “lawsuit” has the power of sending most folks into a frenzy. Being sued can cost you thousands, even tens of thousands of dollars; and for small business owners, losing a lawsuit can also mean having to shut down your company. Before you panic, take a deep breath and realize that there are ways to combat (and even win) a professional liability lawsuit. Be proactive before there’s trouble Everyone knows that prevention is the... Read More

Work from Home? Know Your Risks of Cyber Liability

You’re more vulnerable than you may realize It may surprise you to learn that even your small, home-based business is at risk of a cyber-attack. While many business owners are aware of the breaches against companies like Target and V Tech that have affected hundreds of thousands of people, some believe that because their business is smaller, they have little to be concerned about. But the fact is that home-based businesses are just as attractive to hackers as big conglomerates—and... Read More

5 Ways You Can Cause Your Company Culture to Plummet

Are you the Prada-wearing devil? Strong company culture is one of the biggest components of success in the business world today. Yet there are many organizations out there that can’t seem to get it right—or worse, they unknowingly have an atmosphere that their employees deem as soul sucking. If you haven’t been feeling the love lately, it is likely there’s something causing your company’s culture to tank. 1. You’re insanely busy Although it’s good to have so much business that... Read More

These 10 Interview Questions Could Get You Sued

A bad hire will cost you—but a discrimination lawsuit will cost you more. About one-third of the more than 2,000 surveyed business managers have admitted they weren’t sure about the legality of certain interview questions. If you’re a business owner or hiring manager, you may believe that you have a handle on what you should and shouldn’t ask, but did you know that there are questions that could actually land you in court? No matter how much experience you have... Read More

Is Your Business Suffering From Low Morale? 7 Ways to Rev Up Company Culture

How high would your company rank on the “Best Places to Work” list? Anyone who’s in business today knows the importance of company culture. Without a positive workplace environment, workers are less likely to perform at their highest ability. In fact, employees with a high level of engagement score better with customers than those who are disinterested or burned out. If you’re a small business owner who has noticed a recent slump in the office, or a lack of morale,... Read More

Freelancers or Full-Time? The Benefits of Each Type of Employee

… and which your small business should be hiring When it comes to accomplishing your business’s needs, it can be difficult to decide whether to hire freelancers or full-time employees. Both types of workers have a specific set of pros and cons, and one may be more appropriate depending on your company’s situation, industry, and developing requirements. Keep reading to learn about each type of employee, and how to determine which one is the best fit for your organization. The... Read More

Employment Practices Liability Insurance Versus Worker’s Compensation: What You Need to Know

Is your business adequately protected? As a small business owner, it’s likely you foster a close relationship with your employees. Nevertheless, even if you have a tight-knit group, the possibility of a worker suing you and your company one day isn’t completely impossible. American companies actually face a 12 percent chance of being sued by their employees at one point or another. And it’s not just large corporations that are at risk; approximately 41.5 percent of employee claims are filed... Read More

College Freshman? 7 Easy and Inexpensive Ways to Spruce up your Dorm

Really make it your new home away from home The most exciting year of your life is about to begin; new friends, new campus, nearly unlimited freedom and possibly a new city, state, or country. If you haven’t already moved in, you’ll soon have a (tiny) new place to call your own – your first college dorm. Follow these simple tips to make your room feel like a second home and a place to make memories that will last a... Read More

Is Your Home Ready for Hurricane Season? Top Supplies You Need On Hand

It’s here ... are you ready? We’re a little over a month into the hurricane season and if you haven’t gotten your supplies, what are you waiting for? The National Oceanic and Atmospheric Administration (NOAA) has predicted that 10 to 16 named storms are likely and between 4 and 8 of them could become hurricanes. And although we usually have a few days’ notice, it’s much better to be prepared ahead of time. Check out this guide to see what... Read More

Ready for a Road Trip? Beware America’s 5 Most Dangerous Roads

Curvy, steep and alarmingly treacherous—these stretches of pavement are worth avoiding. Before summer’s over, many Americans will head out on the open road seeking rest, relaxation, and adventure. Road trips are the kinds of experiences that lifelong memories are made of, especially for families, as it’s often the most economical way to travel with everyone in tow. If you’re getting ready to roll, make sure you plan ahead and choose the safest route to your destination—and if possible, avoid these... Read More

Is Your Florida Business Ready for Hurricane Season? 6 Steps to Take

The predictions are in – don’t wait to find out if they’re on target June 1st officially kicked off the start of the 2016 hurricane season and the predictions are in – if you haven’t already prepped your office and stocked up on the necessary supplies, the time to do so is now. According to the National Oceanic and Atmospheric Administration (NOAA), there’s a 70 percent likelihood of 10 to 16 named storms, and between 4 to 8 of them... Read More

How Small Business Owners Can Take a Vacation Without Closing Up Shop

Pack your bags – this IS happening! When was the last time you took a vacation? If your answer to that question has you picturing life before you owned a business, you’re not alone. Fact is, a large percentage of small business owners never take one. A 2014 study surveying 200 business owners revealed that nearly half said they were not planning on going away in the coming year. Yet, nobody can deny the benefits of a vacation – time... Read More

5 Unique Summertime Concerns for Small Businesses

Keep your cool and follow these tips on how to handle them Being the owner of a small business has its advantages. You can decide what hours you’re open, who to hire, and pretty much every other important aspect of your company—after all, you’re the boss. But this means you have a huge amount of responsibility, and in the summer, when it seems like everyone else in the world is taking vacations (and you’re not), it can be a total... Read More

What Causes Most Homeowners Insurance Claims?

Be sure to consider the most common events when purchasing your policy If you’re a homeowner and you’re researching what type of insurance is right for you, it’s a good idea to understand what kind of protection you’ll need most. While needs vary from home to home, there are certain events that arise more often than others and some that lead to costly repairs. Here’s a quick breakdown of the most common claims made on homeowner’s insurance: Damage from wind... Read More

How to Protect Your Business from Email Phishing Schemes

What you need to know to ensure you don’t get duped Just when you think you’ve thought of every possible risk when it comes to your business, from viruses to worms to other scams, there’s another danger that’s lurking in cyber space – and that’s phishing schemes. If you’ve never heard of them, or even if you have, it’s crucial to be aware of exactly what they are, how to spot them, and what you can do to prevent your... Read More

You Had an Accident with an Uninsured Motorist … Now What?

Take a deep breath and follow these steps Accidents are the worst. And they can more upsetting when you have a crash and go to exchange insurance information, only to discover that you’ve collided with an uninsured motorist. Even though having insurance is a requirement in most states, there are many folks who aren’t as responsible or law abiding as the rest of us. In fact, it may surprise you to know that in Florida, one in four drivers are... Read More

How Motorcycle Insurance Differs from Auto Insurance

Hint: Your auto insurance will not cover your bike Everyone knows there are major differences between driving a motorcycle and driving a car—but what many folks don’t realize is that their auto policy won’t cover their motorcycle and their motorcycle policy won’t cover their car. The insurance requirements for these two types of vehicles are different and it’s important to know how if you’re the owner of either (or both). Here’s a quick guide: Modified coverage Motorcycles are often not... Read More

How to Combat the High Cost of Insurance for Your Teen Driver

Yes! You can save money—if you follow these tips. When your teenage son or daughter gets their driver’s license, it’s both a time for celebration and worry! While you’re delighted for your child and this momentous milestone, it’s always a concern when they get behind the wheel and drive off on their own for the first time. Another biggie, just how much your monthly auto insurance premium will go up, is something that most folks anticipate and dread at the... Read More

From the Dorm to the Apartment: 5 Tips for First-Time Renters

From choosing the right place (and the right roommates) to signing the lease—read this first! Dorm life is often a requirement and a rite of passage for college freshmen. And while it can be fun, it’s not usually an experience most want to continue with for extended periods of time. So when the opportunity arises to get out of communal living and into your own apartment (or one shared with a roommate), you may find yourself pretty excited. But since... Read More

Why You Should Care About Margin Clauses

What are they and how can they affect your coverage? As a business owner, you’ve taken every precaution to make sure that your property is covered if an unexpected event or disaster occurs. And while you probably purchased a blanket policy that provides protection for all of your business assets and locations, you may not be aware that your insurance includes a margin clause. And if it does, what exactly does that mean and how will it affect your coverage?... Read More

Loading and Unloading Accidents: Are You Covered by Your Commercial Auto Policy?

Mishaps can cause injury or property damage—make sure you’re protected Accidents happen—especially when your work involves loading and unloading of heavy or fragile items. And whether someone gets injured or there’s substantial damage to property, having the right insurance coverage can be the one thing that prevents you from suffering financial loss. If you have a commercial auto policy, you may believe that you’re covered for mishaps like these, but not all policies provide the same protection, so it’s important... Read More

When Your Car is Most Likely to Be Stolen

Hint: Hot weather means more hot cars It’s a total shocker and one of those events that you think can only happen to somebody else. You park your car, go about your business, whether it’s shopping or an afternoon at the playground with the kids, only to return to find your car gone. Here’s an astounding statistic—every 44 seconds a motor vehicle is stolen in the United States. This number, courtesy of the National Highway Traffic Safety Administration, serves as... Read More

Driving Safely in Wet Weather: Tips for Florida Drivers

6 ways to decrease your chances of an accident. Doesn’t it seem like the moment it starts to rain people just instantaneously forget how to drive? There are always those who don’t slow down or safely alter their driving behaviors, even in Florida’s most severe weather conditions. Which is surprising, since driving in the rain is pretty dangerous. According to AAA, it contributes to more than a million crashes per year. What should you do when you’re caught in a... Read More

Summer’s Here! How to Protect Outdoor Workers from Heat Stroke and Other Dangers

What to do when the job becomes too hot to handle It’s one of the most enjoyable times of the year—but it can also be the deadliest. For those who work outside, whether in construction, landscaping, agriculture, utilities, or other professions, summertime presents unique and dangerous risks that you, as a business owner, need to be aware of and do your best to prevent. Even when there’s work that must be done outdoors, there are certain precautions you can take... Read More

Insurance Binders: What You Need to Know

Many have heard of them—but what exactly are they? Let’s face it, insurance can be confusing. Most folks depend on their agent to fill them in on the details that are necessary and choose not to worry about the ones that should be left to the experts. But understanding many of the industry terms and how they apply to you and your insurance policies is always a good idea. “Insurance binder” is one term that many people aren’t clear on,... Read More

How to Determine if Your Company Needs Electronic Data Processing Coverage

A technological mishap can cost you more than you imagine If you’re like most business owners, you’ve made sure that you have the appropriate insurance to cover your company in the event of an emergency or an unexpected disaster. But today, when business as usual includes using technology to conduct most of the day-to-day operations, your insurance needs may go beyond the typical commercial liability coverage. With that in mind, here’s a look at what Electronic Data Processing Coverage is... Read More

The World’s Most Ridiculous Lawsuits

Can you believe these people actually won? There are people in the world who will do just about anything to make a buck, including suing someone for the most frivolous or inappropriate reason. And while you may think that only valid lawsuits make it to the court, you may be very surprised to read about these—and even more surprised that the plaintiffs in these cases took home boatloads of cash. With that in mind, for a giggle or two (and... Read More

Is Your Company’s Cash Covered Under Your Commercial Property Policy?

Robbed?! Now what? Picture this: You’ve just wrapped up a week long sale at your store that was not only successful, but actually broke all your previous sales records. You’ve got cash on hand, and lots of it, that you’re intending on depositing on your way home—but when you go to get it out of the safe in the back, you discover that it’s been stolen. If your business has a standard commercial property insurance policy, chances are, this crime... Read More

5 Common Business Mistakes That Put You at Risk for a Lawsuit

Small errors can lead to big losses. Did you know that nearly 75 percent of all lawsuits filed against companies are disputes that involve employees or former employees? And if you’re thinking that this stat is reserved for large corporations, you may be surprised to learn that almost half of those cases are actually against small companies that have 100 employees or less. If you’re a small business owner, it’s smart to get a handle on some of the common... Read More

Blanket Policies and Limits: What Are They All About?

Multiple assets, one policy. It’s almost as cozy at it sounds. If you’ve heard the term but are not sure what it means or how it applies to you, you’re not alone. Most insurance jargon is confusing for those who don’t work in the field. But as a business owner or someone who owns multiple properties or valuable assets, understanding what blanket insurance is and all that it implies, including limits, is key to getting the right coverage to protect... Read More

Planning Ahead: Summer Vacation Road Trip Tips

Pack the car, grab the kids (and the dog)—it’s time for an adventure! Summer! It’s almost here! The time for lazy days by the pool, picnics at the beach and the ultimate road trip! While many people fly off to faraway places on their summer vacations, the family road trip is still alive and kicking and those folks who plan ahead fare way better than those who fly by the seat of their pants. To help you make yours the... Read More

How Much Life Insurance is Enough?

Review these factors when determining the right amount of coverage for your family No matter who you are or how old you are, if you have people who depend on you and your income, you need life insurance. The real question is not whether it’s necessary, but how much is enough? The answer: it depends. There are many factors that you need to look at before determining how much coverage you need, and this overview provides some insight into how... Read More

Life Insurance and Estate Planning: What Happens to Your Loved Ones After You’re Gone?

Make a plan that gives you peace of mind. It’s not a pleasant thought, but planning ahead when it comes to the future of your family is probably one of the most important things you’ll ever do. No matter how old you are, if you have a spouse or significant other, children, and other loved ones who depend on you, making sure that they don’t suffer financially after you’re gone is a priority. And while none of us want to... Read More

Accountants: Are You Protected Against Cyber Risk?

Don’t balk: The threat is real Cyber risk: You probably haven’t given it a whole lot of thought. After all, you’re an accountant who owns your own firm or works as an independent contractor. And although you’re busy, it’s not like you’re Target (70 million records hacked), JP Morgan Chase (76 million records hacked), or even The Home Depot (with a mere 56 million records hacked). So, while these attacks prove that there is danger operating in the cyber world,... Read More

Getting Sued is Expensive—Even When You’re Right

Lawsuits cost small businesses more than $105 billion each year We’ve all heard of malpractice and know what it means. And for the most part, we associate that term with wrongdoings or major mistakes committed by healthcare professionals. But did you know that pretty much anyone who’s providing a professional service can be accused of and sued for malpractice? The fact is, if you own a small business or if you’re a freelancer and you make a mistake or fail... Read More

Could You Be Paying Too Much for Your Homeowner’s Insurance?

Determine if your premiums are too high—and then lower them! It’s not an uncommon question: people often wonder if what they’re paying for their homeowner’s insurance is too high. At the same time, your home is likely your most valuable asset, so you know you need the right protection. But how do you determine if your policy is priced right and if you have the appropriate coverage? Insurance is a confusing subject for most folks, between all the industry jargon... Read More

Your Favorite Sport Could Prevent You from Getting Life Insurance

Unless you do your homework, risking your life may be riskier than you think You’re a trail blazer. You crave action and adventure at every turn and aren’t satisfied unless there’s adrenaline rushing through your veins. And while you thrive on the next thrill, you may be less than thrilled to learn that your passion for the extreme limits your ability to get life insurance. Whether you’re into mountain climbing, hang gliding, downhill BMX biking, parkour, rock climbing, or some... Read More

5 Tips to Ensure Your Young Family is Protected

From the moment they take their first breath, your life will never be the same. Perhaps the most life-changing event you’ll ever experience is the birth of your first child. And no matter how much you plan, this new chapter ignites the need for many big decisions that you likely never even thought about before. Keeping your family safe and providing for them are at the top of the list. And whether you’ve just brought your newborn home from the... Read More

Retirement: 3 Things You Need to Consider Before It’s Time

Whether it’s a just few months or years away, be ready. Tens of thousands of baby boomers are nearing retirement and for many of them, it’s a welcome and easy transition. But others face difficulties because either they haven’t planned well (or at all) or they are already struggling to make ends meet. If you’re a part of the generation who’s heading for retirement, here are some things to keep in mind before you collect that gold watch. Are you... Read More

What to Do When You’re Slapped With an Advertising Injury Lawsuit

And why every company (from the big shot to the one-man show) needs to be prepared. You’re not Bill Gates, nor are you at the helm of a Fortune 500 company. In fact, you’re quite happy with the success of your small business. And as a small business owner, you enjoy working closely with your team, building relationships with your customers, and providing high-quality service and/or products. You also don’t have the same worries as those gigantic, global organizations, including... Read More

It’s Motorcycle Season! Tips on Insuring Your Bike

  Here’s what you need to know before you head out on the open road. Whether it’s the element of danger, speed, power, or just simply the thrill of them, motorcycles are more than a hobby; they’re a passion. And anyone who’s owned one knows that there’s nothing more exhilarating than riding out on the open road and releasing your sense of adventure as the breeze blows across your cheeks. Now that spring is here, more and more motorcyclists will... Read More

Changes in Your Business Can Affect Your Insurance Needs

Make sure you have the right protection at all times. You’re a small business owner so you know just how much things can change from quarter to quarter, in some cases even from month to month. But what you may not realize is that these changes, however small they may be, could affect your business insurance needs. It’s important to be mindful of any structural or operational changes that could change your risks so here’s a short list to take... Read More

IT Professionals: 3 Essential Contracts that You Should Always Get in Writing

Got contracts? Now, more than ever before, working in technology is extremely lucrative. IT professionals are in high demand, and many can write their own ticket when it comes to running their own freelance business. But as any successful independent IT pro will tell you, being a freelancer in the digital world is not without its risks. While a handshake and a verbal agreement may seem like a good way to conduct business in the fast-paced tech industry, more and... Read More

Keep Your Claims History Clean: A Guide to Risk Management

Taking control of your risks does more than protect your company. Most business owners know the value of having the right insurance coverage. They’ve done their homework and selected the right policies to protect them and their assets in the event of an unforeseen accident or disaster. But only those companies who take a proactive approach to mitigating risks will be able to curb insurance claims which in the end, helps their bottom line. While insurance premiums vary and can... Read More

Insurance, Flooding, and an El Nino Year… Are You Ready?

82% of homeowners who live in flood zones could be victims of catastrophic losses. Are you one of them? El Nino is a term that gets thrown around a lot, but does anyone (besides meteorologists) know what it really means? In essence, the term refers to abnormal weather patterns that occur when there is a higher level of warming in the Pacific Ocean. Events like floods, droughts, extreme thunderstorms and rain, tornadoes, and much more take place more often and... Read More

March is Women’s History Month

Here’s to some of the world’s most outstanding women! To celebrate the contribution of generations of women throughout history and up to the present day, the month of March has been designated Women’s History Month. As CEO of Avante Insurance and the daughter of our founder Francisco (Paco) Fernandez, I am proud to be carrying on the family business and the commitment my parents made to serving our customers and the community. As a woman who is a business owner,... Read More

Insurance Companies and Summer Hours – Should it Be a Thing in Your Business?

If visions of cool pool water are popping into your head, perhaps it’s time. It wasn’t that long ago that casual Friday’s came into being. It wasn’t because employees were expected to work less on Fridays or that work was any less important. It was just a way to ease the stress and give everyone a little something to look forward to while keeping motivation up. And the concept worked. In recent years, many companies have begun to implement a... Read More

Don’t Let Workers’ Comp Injuries Affect Your Business

Speed up recovery time and get them back in the game as soon as possible. Accidents happen. It’s a fact of life and business. But when you have Worker’s Compensation insurance, you can rest assured that your employees are going to be well-cared for and that their medical expenses will be taken care of. This means a lot, especially when you have a tight-knit team that can be emotionally and physically affected by the injury or illness of a co-worker.... Read More

How Organization Factors into Business Risk Management

And what clutter can cost you. Take a look around your office. If you had to honestly assess your level of organization, how would you rate it? If you’re less organized than you should be, it may be time to consider getting things in order. While many people go by “There’s a method to my madness”, the truth is, the less organized your workplace is, the more you increase your risks, decrease productivity, and impact your overall success. Here’s a... Read More

Cool Tips on Small Business Insurance

How you can “pump up” your coverage. You’ve got insurance to cover your business, your company vehicle, the equipment and machinery, the building, and worker’s compensation to provide protection for you and your team. But what you might not know is that today’s business policies can do even more to guard you and your company against unexpected losses. Take a look. When good products go awry: Product Liability Coverage You take pride in your products and in most cases, there’s... Read More

5 Health Conditions That Can Affect your Life Insurance Premium

Avoid surprises when applying for life insurance—for you and your provider. When it comes to life insurance, not all premiums are created equal. And while shopping around is often recommended, there are certain health conditions that all carriers will take into consideration when determining your cost. Many of them may cause your rates to increase. Before you begin the process of looking for the best rates, it’s a good idea to know what you’re up against, so here’s a list... Read More

Retirement and Life Insurance

Do you or don’t you need it? For many people, life insurance is more than a way to ensure their loved ones are provided for in the event of their untimely death, it’s an investment that is an integral part of their financial plans. If you’re nearing retirement or already retired, you may be under the assumption that you either don’t need or can reduce your life insurance coverage. In reality, the opposite is actually true. Let’s take a look... Read More

Why You Need an Annual Insurance Review

And why it can be costly NOT to do one Life changes. Kids grow up, learn to drive and go off to college. Jobs change and people retire—and it’s because things continually evolve, that your insurance needs may change, too. So while most folks are concerned with taxes and financial planning this time of year, it’s also important to consider an annual review of your insurance coverage. Family matters If you’ve gotten married, had kids or waved goodbye to your... Read More

Don’t Think Your Small Business Needs Insurance? Think Again!

There’s nothing like the peace of mind knowing you and your business are protected Looking to become your own boss? While starting a new business is an exciting time full of possibility, it’s also a time that does not come without risks. It’s important to protect yourself as a business owner as well as any of your assets if there are problems. Businesses that are incorporated have more protection than sole proprietorships and partnerships, but regardless of the business structure,... Read More

What Does Boat Insurance Cover?

From sea to shining sea…make sure your covered! According to the Coast Guard, there were more than 4,000 reported boating accidents in 2014 that resulted in 610 deaths, 2,678 injuries and more than $39 million in property damage. These stats only solidify the fact that every boater should have insurance. If you aren’t familiar with boat policies, here’s a quick overview of what’s covered: Property damage While you can certainly choose different levels and types of boat insurance, there are... Read More

My First Boat Isn’t Exactly a Luxury Liner…Do I Still Need Insurance?

Anchors aweigh—but not without coverage! Between maintenance and dockage to the fuel and repair costs, a year of boat ownership can end up costing tens of thousands of dollars—and that’s after you’ve purchased the actual boat. With that in mind, many first time boat owners wonder if they need to make the additional expenditure of insurance. The answer is YES and here’s why: It is often required There are several reasons you may be required to have an insurance policy... Read More

5 Things You Need to Know About Cyber Insurance for Data Breaches

Are you insured if something happens to your data? As the number of data breaches continues to increase each year, organizations are beginning to more seriously analyze their risk management policies. One of the areas that is quickly becoming more important for businesses of all sizes is cyber insurance. Cyber insurance is meant to protect your business from internet-based risks like data breaches, but the details of most policies are anything but simple. When you’re shopping for cyber insurance, these... Read More

5 Things You Need to Know When Buying Homeowner’s Insurance

Keep these guidelines in mind to ensure that your home is protected in case the unthinkable happens. Many people look at homeowner’s insurance as a necessary evil. But the truth is that it protects one of your biggest assets—your home—from the unexpected. While the hope is that nothing ever happens, homeowner’s insurance gives you peace of mind knowing that you’re covered if the worst should come to pass. Know the value of your home and how much insurance you need... Read More

6 Mistakes to Avoid When Purchasing Homeowner’s Insurance

Navigating the ins and outs of homeowner’s policies. It’s the most expensive thing you’ll ever buy, so it only makes sense that you’ll want to make sure your investment is more than adequately protected. As a homeowner, you took the time to do your homework and purchase a house that will not only serve your needs as far as living arrangements, but will also be a viable investment to you in the years to come. And while you’ve likely purchased... Read More

How Your Personal Social Media Activity Can Affect Your Business

What you say (and share) can be held against you! Social media is one of the best things that’s happened to communication in, well, forever. Right? But as great and all-powerful as it is, there are risks that can affect you personally and professionally. If you’re the owner of a small business and you’re engaging via social media, you’ve likely already experienced many of the positives that this medium brings. Increased awareness of your brand, more sales, more customers and... Read More

My Homeowner’s Policy Prohibits Trampolines: What’s the Deal?

Beware of purchasing a trampoline without alerting your homeowner’s insurance company If you have any school-aged children, the question is almost inevitable: Can we get a trampoline? While this may seem like an innocent enough question, the implications of having a trampoline on your property can be significant—especially when it comes to your homeowner’s insurance policy. How is my homeowners insurance affected by having a trampoline? The short answer is that it depends. While some insurance companies allow trampolines, others... Read More

Homeowner’s Insurance: Do You Know What Your Policy Covers?

Don’t find out your homeowner’s insurance doesn’t cover something when it’s too late. Homeowners insurance is meant to provide financial protection in the event that your home or its contents are damaged. It can also provide protection if you or a family member is deemed liable for injuries to others or damage to their property. Most mortgage lenders require homeowner’s insurance. There are various types of homeowner’s insurance policies, ranging from basic policies to those that offer much more broad... Read More

The Difference Between Replacement Cost and Actual Cash Value Coverage

Shopping for insurance isn’t always straightforward. Find out which coverage suits your needs best. When you purchase a home for the first time (or even if you have previously owned a home) there are many important things to think about. The specific terms of your homeowners insurance is one of many important things to consider, to put in place and to understand. One critical piece of information to be aware of regarding your policy is how you would get reimbursed... Read More

Homeowner’s Insurance and Mold: What’s Covered and What’s Not?

Spotted mold in your home? Learn if the remediation is covered by your homeowner’s insurance. Mold is one of those dreaded things to find in your home or on your property. There have been many stories in the news over the last decade or so about how mold spores can be toxic and harmful if breathed in over time. Mold can also dramatically decrease your home’s overall value by leaving walls, floors or wood damaged. It’s most often found in... Read More

What an Accidental Butt-Dial Can Cost You

Keep it locked or be ready for some serious legal implications We’ve all done it—or at least experienced it. You put your cell phone in your pocket or your purse and next thing you know; you’re making a call that you did not intend to. And while 9 times out of 10, a butt-dial is worth a giggle and written off as no biggie, it only takes one inadvertent call to cost you big. Because when you make a call... Read More

6 Ways to Protect Your Business From Credit Card Fraud

Are you doing all you can to ensure you’re not a victim? More than 30 million people in the United States had their credit cards compromised in 2014 and that number only increased during 2015. The advent of new technologies that make it easier and more convenient to make purchases, both online and in traditional brick and mortar shops, also makes it easier for thieves to commit fraud. It’s this fact that makes preventing fraud a top priority for many... Read More

How You Can Protect Your Business Against Fires

Extinguish the danger that could result in disaster A fire in your business can not only be dangerous to you and your staff, but also end up costing you tens of thousands of dollars in damages and loss of business. Having adequate insurance coverage will protect you in the event that a fire occurs, but there are certain steps you can take to protect your business against fires. 1. Determine your risk of fire Take a look around your office... Read More

Why Worker’s Compensation Isn’t Always Enough

How you can prevent illness and injury from happening in the first place As a business owner it’s your duty to protect your employees from injury and illness. And whether you have a team of 4 or 4,000, it is critical to make sure that your organization has and follows safety guidelines—especially when it comes to complying with OSHA (Occupational Safety and Health Administration). Many business owners believe that if they have business liability insurance and a worker’s compensation policy... Read More

What You Need to Know Before You Try to Get Business Insurance

Learn the right types of business insurance protection you need to reduce risks When business owners are first starting out, business insurance is likely one of the last items on their to-do lists. The reality is that business insurance should be one of the first things entrepreneurs purchase to mitigate a variety of risks.   Is your business prepared to recover from a disaster? The Insurance Institute for Business & Home Safety reports that 25% of businesses that experience a... Read More

Is Your Fleet Properly Insured?

How to determine the type and amount of coverage your company vehicles need If you’re the owner of a small or medium sized business that operates with a fleet of vehicles, you know just how dependent you are on them. Whether you provide a service, like AC installation and repair, plumbing, a cleaning or catering service or any other kind of business, if any of your vehicles are down, your company could suffer losses. So a key to keeping your... Read More

Choosing Between All Risk and Peril Specific Commercial Property Insurance

Which one do you need to protect your business? Protecting your business against known risks is easy when you consider the many different types of insurance coverage available today. There are business insurance policies that have been designed to ensure that every conceivable risk is covered—and then some. But for many business owners, it’s not so much knowing the options as it is choosing the appropriate one. To help you, we’ve created this guide that discusses the difference between two... Read More

Landlords’ Biggest Insurance Needs

Do you have adequate protection for your property? As a landlord, protecting your investment should be at the top of your list. Whether you’re renting out a single family home, an apartment, condo or townhouse, it’s critical to ensure that your property is protected against a variety of events that could cause damages and losses. And if you’ve just begun acting as a landlord, it’s important to understand the difference between a regular homeowner’s policy and a landlord’s policy. What... Read More

Penetrating Florida’s Microbrewery Market: What Kind of Insurance Will You Need?

Protect your brew—and your crew There are more than 100 licensed microbreweries in Florida and that number continues to grow each month. If you’re the owner of one, you already know that your business has many unique intricacies that are important to address when it comes to insurance, including whether or not you have a tasting room and whether you’re exporting your product. While all microbreweries are different, there are some standards when it comes to insurance and other optional... Read More

What You Should Look For When Reviewing Business Insurance Quotes

Assessing the key components is critical to selecting the right coverage. If you’re a small business owner, there’s no doubt you know the importance of the right coverage for your company. And you’ve probably been approached by various providers vying to get your business by offering you an array of business insurance products. But while you know you need coverage, choosing the right policy from the provider that will be the best fit can be confusing and daunting. To help... Read More

Online Businesses Need a Different Kind of Insurance

Even with no physical store, even with no employees, business insurance is still a must—here’s why. As the owner of an online business, you may be wondering if business insurance is a necessity. After all, you don’t have a physical store front, you may or may not have employees and you don’t have any stock holders (yet).   If you’re like many internet business owners, you may believe that your risks are slim to none and therefore opt not to... Read More

Does Your Company Vehicle Qualify for Commercial Auto Insurance?

It’s not about what you’re driving—it’s about why. A common question that arises from business owners is whether or not their company vehicle qualifies for commercial auto insurance. It’s a valid question because there are many different scenarios to consider and a common misconception that personal auto insurance will suffice. So let’s review the guidelines and determine whether your vehicle qualifies. Who needs commercial auto insurance?  Many companies utilize vehicles to conduct their business, but do all of them need... Read More

Why Clients Want To See Your Certificate of Insurance

It’s not that they don’t trust you, they just need to verify a few things As a small business owner, it’s probably happened to you: You’re quoting a job or beginning work on a project and your client asks you for your certificate of insurance. Although you have a business policy, it never occurred to you that you needed a certificate or even what one is. Before you panic, take a deep breath and realize that what they’re really asking... Read More

Everything You Need To Know About the EMV Liability Shift

Business owners, let’s get clear on what this shift means for you The EMV Liability Shift has begun and if you aren’t clear on what it is or how it may affect you, you’re not alone. While the shift has been a hot topic, there has been a lot of information—and misinformation—released and many business owners aren’t sure exactly what they should expect. To help make things clearer, here’s an outline of the details of the EMV Liability Shift and... Read More

7 Questions to Ask Your Business Insurer When Reviewing Your Policy

Get the answers you need to make informed insurance decisions If your company has grown over the past year or you’ve added new or different products and services, changed locations, added vehicles or employees, it’s a good idea to review your business policy. Doing so will help you make sure that you have adequate coverage and that you’ve taken into account anything new that’s happened since you purchased it. But rather than just looking over your policy before renewal, take... Read More

The Two Meanings of Coinsurance and What They Mean for Small Business

Is your business at risk if you don’t have it? As a business owner, you’ve made sure that your company is properly insured. Whatever kind of coverage you’ve chosen, you have probably heard about many different types of business policies and while many of them may be useful to you, others may not. But as experts in the business, we’d like to give you some insight into those insurance solutions that may be confusing but can be of value to... Read More

You Can Be Sued Over Something You Said On Social Media

Will your business insurance cover you if you say the wrong thing? Did you know that social media and online content litigation is the fastest growing legal specialty in the United States? Social media, while positively impacting the way businesses market and communicate with customers, is not without its risks—something many businesses are learning the hard way. Understanding what you can be liable for and protecting yourself is essential to remaining active in the online arena. What you can be... Read More

What Seasonal Business Insurance Offers Small Businesses

This unique solution may be just what your small business needs Whether you’re the owner of a small business that relies on a strong season to carry you through the rest of the year or a seasonal business that only operates during certain seasons, you should consider the benefits of protecting your investment with insurance. All small businesses need insurance that provides coverage against liability, damage or loss of inventory, protection for your commercial property and even your employees. But... Read More

Top 4 Risks of an Understaffed Business

Are you endangering yourself, your staff and your company by running with less manpower? You’re a small business owner who’s learned to roll with the punches when it comes to losing staff, including asking your remaining employees to work extra hours to pick up the slack. For many companies that find themselves understaffed, hiring more people presents issues that seem more challenging than just getting by with what you have. These include the cost to hire and train new employees,... Read More

What “Additional Insured” Means for Small Businesses

Do you need this risk management tool for your business? Have you heard of “Additional Insured” coverage? As a business owner, you may have, you may even have had a colleague or company that you subcontract with ask you to include this coverage in your existing policy. Whether you’d had experience with this type of coverage or not, it’s important to know what it is and what it covers to ensure that you’re managing any and all risks to your... Read More

How Professional Liability Insurance Can Protect Freelancers

Do you really need coverage when you’re the only employee? As a freelancer, you no doubt enjoy the freedom, independence and flexibility that comes from being your own boss. But just like any profession, independent contractors face myriad challenges when doing business. While you may not have thought about it before, protecting yourself and your business is not only a smart idea, it is often required by some clients depending on your industry. There are a few different types of... Read More

Does Your Home Based Business Have Enough Coverage?

If you think your homeowner’s policy has got you covered, think again. Today’s technology and mobile devices allow many entrepreneurs are able to work from their homes. If you’re one of them, have you thought about whether or not you have enough insurance to cover your business if something unexpected happens? If you’re like many home-based business owners, you may be under the impression that your homeowner’s policy will cover you, but that’s not always the case. In fact, studies... Read More

How to Determine If You Need Commercial Auto Insurance

Your personal auto policy may not cover you for business You’re a business owner and have taken the time to cover your company in the event of unforeseen circumstances that may cause damage to your building, your inventory and your employees. But now you’re wondering if you need a separate policy that covers your company vehicle. Many self-employed workers, small business owners and start-ups are faced with the question of whether or not they need commercial auto insurance. After all,... Read More

How to Manage Risk When Buying Property With a Business Partner

Before you enter a real estate joint venture, make sure you understand and are protected against the risks   Most people will agree that buying real estate is one of the most viable investments a person can make. And for those who are faced with limited financing, teaming up with a partner and purchasing properties together gives them the opportunity to benefit from a real estate investment. While this can be advantageous to both people, there are certain risks involved... Read More

You Warned Your Client That You’re Not Responsible for Lost Data…Now They’re Suing!

Let’s debunk a few myths too many freelancers believe about liability insurance As an independent contractor or a self-employed professional, you likely have a work service agreement that you use when working with your clients. An agreement that lays out what services you’re going to perform, payment terms and general things about deadlines, your responsibilities and theirs. But as today’s business arena becomes more and more digital and complex, it is important to consider the possibility that even with an... Read More

Join Our Team

Want to Join a Winning Team? Avante Insurance was established over 35 years ago and today we set ourselves uniquely apart in the Insurance Industry. This success would not be possible without a dedicated team of individuals committed to the passion, integrity and expertise that are the foundations of our organization. At Avante Insurance, we strive to create an environment of endless possibilities to ensure an exceptional and fulfilling experience for all. We welcome your ideas and encourage open communication.... Read More

How Employees Can Get Your Insurance Claim Denied

These mistakes have cost other companies millions You feel good. As a business owner, you’ve got great employees, business is booming and you’ve invested in cyber liability insurance to cover your company in the event that something unexpected happens. But then something does happen and when you file your claim, your insurance provider gives you the shocking news: your claim in unequivocally denied. Before this happens to you, read on to learn about the mistakes that can cost you your... Read More

El Niño 2015-2016: Preparing for the Unpredictable

Changing weather patterns caused by El Niño can create dangerous, unpredictable weather conditions. Here’s how to prepare We’ve all heard of El Niño but a lot of people don’t know how it may affect them or why they should be concerned. Every two to seven years, the water in the western Pacific Ocean becomes warmer than usual, which affects the weather all over the world. So no matter where you live, El Niño is something you should be aware of... Read More

You May Need Cyber Liability Insurance If Your Business is Active Online

A cyber attack is a very real threat, even for small businesses—here’s how to protect your company As a business owner, you already know the value of insurance that protects your company against many hazards that may take place on your company’s property like product liability, property damages or injuries. But what about the business activities that are taking place online? Surprisingly, although it’s been around for about a decade, many business owners don’t even know that cyber liability insurance... Read More

The Differences Between Homeowner’s and Renter’s Insurance

While these policies are similar, they’re not exactly the same. Whether you’re renting or buying for the first time, you’ll want to know exactly what’s included—and what isn’t. Whether you’re a renter or a homeowner, you either have insurance for your property or you’ve considered it. And while there are similarities to these two different types of policies, understanding what each type covers and what your situation dictates is important. Here’s a guide on the difference between homeowner’s and renter’s... Read More

Does a Startup Need Insurance?

In a word…yes. As an entrepreneur, you are used to taking risks. If you weren’t, you wouldn’t be in business in the first place, right? But once you’ve opened your doors (or your website) for business, it’s a good idea to consider how to minimize the risks associated with operating a company. Small business and startup insurance is a surefire way to minimize your risks, many of which you may not even realize exist until something happens. The Small Business... Read More

Keep Home Security on Your Vacation Checklist

9 ways to keep your home and valuables safe while you’re away As the holiday season approaches, many of us will be heading out to visit friends and family, leaving home for weeks at a time. As part of your pre-vacation planning, it’s important to take some security measures to ensure that your home (and everything inside it) will be safe while you’re away. Here’s a list of things to do to keep your home safe while you’re traveling. 1.Alert... Read More

What New Drivers Need to Know About Car Insurance3

The keys to freedom come with responsibility, as a new driver, are you prepared? For new Florida drivers, getting a license and their first vehicle is the key to freedom. There's nothing like getting out on the road and being able to go where you want when you want. However, driving also carries a substantial amount of responsibility. In order to drive, you need to have insurance, but many new drivers and even their parents aren’t exactly sure about the... Read More

5 Ways Renter’s Insurance Will Save You

Almost 100% of homeowners have insurance, but less than half of those renter are covered. What gives? Picture all of the electronics in your apartment. Now imagine the tub in the apartment above you springs a leak. What happens to all of your stuff? While the owner most likely has a homeowner’s policy to cover the damage, its coverage does not include protection of your belongings. So now almost everything you own is damaged and you’re completely out of luck—unless,... Read More

How to Prepare for Your Next Road Trip

Prepare for a fun-filled, stress-free adventure Everyone who’s ever taken a road trip knows that it’s not just about where you’re going but how you get there that’s important. No one wants to ride in a car or truck for hours and hours without a plan and without having everything necessary to ensure it’s a safe and enjoyable trip. Here’s a guide on the most important things to do to prepare for your next road trip. Make a budget Taking... Read More


Life Insurance A life insurance policy pays a stated amount to the beneficiaries of the policy in the event the named insured dies. There are two types of life insurance policies: "term insurance" and "permanent insurance" also known as "whole life insurance". Term Life Insurance The death benefit and premium remain the same throughout the term of the policy. The option for renewing Term Insurance is usually in 20 or 30 year increments. Permanent or Whole Life Insurance There is... Read More


Avante Insurance experts partner with you to provide a comprehensive range of personal linesinsurance to protect your family and personal possessions. Our specialties include Auto Insurance, Home Insurance, Flood Insurance, Umbrella Insurance, Life Insurance and Boat Insurance. AUTO INSURANCE Avante is your Miami Auto Insurance Resource Finding a reliable and trustworthy partner for your Miami Auto Insurance needs can be a challenge. With Avante always standing by, you know you have the right coverage and if you have a problem,... Read More


We know your business is important to you. As owners of a growing business ourselves, we understand the tough challenges you face every day. We are committed to making sure your business is adequately protected today and tomorrow. Our Avante Team will work with you to determine the right blend of insurance products for you and your business. We place you with the company offering the proper coverage with the best rate. As an independent Insurance Agency, we work for... Read More

Tropical Storm Erika is forecast to impact South Florida. The time to prepare is now.

Dear Avante clients and friends, With Tropical Storm Erika forecast to impact South Florida, the time to prepare is now. To assist you with your preparations, I am sharing with you the Hurricane Guides prepared by Miami-Dade County and Broward County on what to do before, during and after a hurricane or tropical storm. Here are the links to these excellent guides : (more…)


Personal Lines Insurance Auto, Homeowners, Condominium, Renter's, Boat Owners & Jet Ski, Motorcycle, ATV, Recreational Vehicle, Antique Auto, Kit Car, Umbrella Liability, ID Theft Protection. Business & Commercial Lines Insurance General Liability, Products & Completed Operations, Commercial Property-Building, Business Contents, Workers Compensation, Business Interruption & Extra Expense, Commercial, Auto, Garagekeepers, Mechanical Breakdown, Employment Practices Liability, Commercial Umbrella, Directors & Ocers Liability, Professional Liability, Pollution Liability, Errors & Omissions, Cyber Protection, Churches, Schools, Social Services Organization and Non-Profits. Life & Health... Read More


1We are licensed professionals with strong customer and community ties. 2We provide excellent service and competitive prices, because our team can access the insurance coverage from multiple companies. 3We are partners with you when you have a claim and work with you every step of the way to ensure it gets handled properly. 4We clearly explain the dfferent types of insurance and how they meet your unique needs. 5We provide you with a complete choice of insurance plans and programs.... Read More


At Avante Insurance we are always standing by to help you determine the best insurance solutions to fit your needs. Our experience and expertise allows us to listen to what is important to you in your business and personal environment so we can provide you with the right insurance at the best cost. We speak your language so you are empowered about your choices. Benefits of Working With An Independent Insurance Agency: Avante is an independent insurance agency which means... Read More


Want to Join a Winning Team? Avante Insurance was established over 35 years ago and today we set ourselves uniquely apart in the Insurance Industry. This success would not be possible without a dedicated team of individuals committed to the passion, integrity and expertise that are the foundations of our organization. At Avante Insurance, we strive to create an environment of endless possibilities to ensure an exceptional and fulfilling experience for all. We welcome your ideas and encourage open communication

What New Drivers Need to Know About Car Insurance

The keys to freedom come with responsibility, as a new driver, are you prepared? For new Florida drivers, getting a license and their first vehicle is the key to freedom. There's nothing like getting out on the road and being able to go where you want when you want. However, driving also carries a substantial amount of responsibility. In order to drive, you need to have insurance, but many new drivers and even their parents aren’t exactly sure about the... Read More

Car Insurance Tips: How to Handle a Hit and Run

Collect information, document the scene, file a report, file a claim No one likes to think about getting into an accident, but it does happen. Being prepared for the possibility of an accident will help you to get through the process with as little stress as possible. But if you are involved in a hit and run, you may not know exactly what your next steps should be. And trying to deal with insurance on top of your anger and... Read More

How to Choose a Homeowner’s Insurance Policy

Pricing is important, but it shouldn’t be the only qualifying factor when deciding how your home is protected Your home is very likely going to be the largest asset you will buy and you naturally want to protect your investment. Homeowner's insurance will protect against potential damage and loss, and the majority of lenders today will require that you have insurance for your home at all times. What Homeowner’s Insurance Covers This type of insurance will help to protect a... Read More

How to Compare Car Insurance Quotes

It’s not always easy just because you can do it online Drivers in Florida who are looking for auto insurance need to make sure that they do a thorough job of seeing exactly what options are out there in their price range. Even just a few years ago, this would have required you to actually visit the different insurers or spend time talking with them on the phone after looking them up in the Yellow Pages. Choices were limited and... Read More

Protect Your Business Equipment With Commercial Property Insurance

You’ve got coverage for the structure, but what about everything inside it? When it comes to insuring your business, protecting just the physical structure is not enough. You also need to think about all of the business equipment that you have inside. Do you have insurance that is capable of protecting your computers, servers, office equipment and furniture? If you don’t have any protection against loss and damage, you could be in for a rude awakening in the event of... Read More

Lightning Safety and Your Homeowners Insurance

Claims are down, but severity is up. Is your home protected? Insurance claims for lightning strikes in the United States is on a steady decline as fewer storms and dry weather prevail. According to the Insurance Information Institute (III), however, insurers still paid nearly 100,000 policyholders $739 million in lightning claims in 2014. And despite the 13 percent drop in claims from 2013 to 2014, the average lightning paid-claim amount rose 26 percent, from $5,896 to $7,400, in the same... Read More

What if a Valet Driver Damages your Car?

Who Covers the Damages? What would you do if you were to hand your keys over to a valet at a restaurant or a hotel only to find out later that they've damaged your car? Whether the damage is major or minor is not the point. The point is that someone else caused damage to your vehicle, and it can create a number of headaches. Who Is Liable? It is important to remember that the liability laws can vary from... Read More

What to Do When Someone Gets Hurt at Your Home

How to Protect Yourself from Liability Homeowners do not often think about the possibility of someone suing them because they were injured on their property. However, these types of lawsuits happen all of the time. Whether it is a slip and fall accident, an injury in the pool, or any other type of injury, there is a chance that someone many file a lawsuit. It could even happen with a family member or a friend, as they may not see... Read More

Understanding Key Person Insurance

How Key Person Insurance Works and Who Should Get It Are you a small business owner? Have you heard of key person insurance? This particular type of insurance provides life insurance for, as the name suggests, a key person in the business. This could be an important employee, a partner, or the owner. These are people upon whom the successful operation of the company is dependent. With this type of policy, the business is actually named as the beneficiary. How... Read More

Insurance for Your Luxury Vehicles

Understanding Comprehensive and Collision Insurance You love your luxury vehicle and treat it almost as though it's a part of your family. It's beautiful, and you've added some fantastic custom parts to make it truly special. The last thing that you want to think about is the possibility of getting into an accident. However, accidents happen all the time, and you need to make sure that you have coverage for your vehicle. Getting the Right Coverage What happens if you... Read More

10 Things You Can Do to Reduce Your Home Insurance Costs

Getting Quality Protection and Saving Money No one likes the idea of paying too much for their home insurance, but it's essential to have a high quality policy in place. It protects your home, belongings, and those who come onto the property. The amount that you pay can vary greatly based on a number of things. Let's look at ten of the things that you can do to reduce the cost of your home insurance. #1: Raise the Deductible The... Read More

Do You Have Water Damage or Flood Damage?

Understanding the Difference in Homeowner’s and Flood Insurance Policies Many people are unaware of the differences between what constitutes water damage and flood damage, and the two terms are often conflated. When homeowners are dealing with this type of damage to their property and belongings, they wonder if their insurance policy will actually be able to cover the loss. As usual, it will depend on the type of insurance the homeowner chose to buy, as well as how the water... Read More

What to Do With Your Insurance after a Car Accident

A Guide to Auto Accidents and Insurance People hate to think about it, but it does happen. People do get into automotive accidents, and there is a chance that you or someone in your life will be in an accident at some point during your lives. Consider the number of accidents that occur in the United States each year. It's around 5.5 million, and out of these crashes, around 3.8 million people have injuries. These accidents cost a total of... Read More

Do You Need Insurance for Your Startup Company?

Don’t leave your Startup Unprotected If you are developing a startup company, one of the things that you certainly need to consider is the amount and type of insurance you will need. Even though having insurance might seem unnecessary in the early days of your startup company, you will quickly find that it is essential if you want to stay in business. There is always an element of risk associated with starting a business. Having insurance helps to mitigate many... Read More

Cookout Liabilities in the Summer

Summertime Fun without the Danger The snow and the cold weather have faded into distant memory. The sun is shining, the sky is blue, and that means it is time to barbeque. As great as the thought of burgers, steak, and other cookout treats might be, it’s also important to think about some of the dangers of cooking out. Whether you are at your own home, the beach, a park, or at a company outing, you need to pay close... Read More

How to Protect Your Home from a Storm

The Do’s and Don’ts of Riding out a Storm What should you do when you know there’s a bad storm coming? In some cases, you’ll seek shelter inside of your home, but if the storm’s bad enough, you might need to leave your property. Regardless of where you will be, you need to make sure you take some steps to protect your property from any potential damage caused by the weather. Here are some tips to take to heart. (more…)

5 Boat Safety Tips you Need this Summer

How to Keep Yourself Safe While Boating this Summer! With summer already in full swing, a lot of boaters have put their fishing or pleasure craft in lakes, rivers, or nearby oceans. And with this influx of activity in waters all over the country comes a rise in boating accidents, injuries, and even fatalities. Though boating accidents are often caused by the same common mistakes that lead to road accidents, such as drifting out of a designated travel lane, your... Read More

Do You Need for Professional Liability Insurance?

Find the right Professional Insurance Coverage for your career. Ask yourself a single question: "If I made a professional mistake of some kind, could I be sued?" This is the overly-simplified way to determine whether or not you should obtain professional liability insurance. Professional liability insurance can go by many different names, depending on the individual’s profession. For example, physicians and medical professionals tend to call it malpractice insurance. Accountants, engineers, lawyers, and architects may call it professional liability insurance,... Read More

Risky Driving Behaviors and Your Auto Insurance

9 risky driving behaviors and how they affect your premium. We tend to view auto insurance policies as fairly black and white. They are built around a few "what if" scenarios, and they are priced according to your age, driving history, deductible, type of coverage chosen, and the type of car or cars you own and drive. While other variables, such as the numbers of miles you drive or whether a car is for leisure or work, may change the... Read More

Affordable Renter’s Insurance for Millennials

How to make renter’s insurance a reality for Millennials Millennials are a large group, comprised of those who were born in the 1980’s through the early 2000’s. And though it is not always practical to describe several generations of people as one larger group, there are some issues that apply to most people currently in this age range. For example, millennials are a group known to be struggling with high student loan debt, challenges with affordable housing, and a tough... Read More

5 Reasons to obtain Loss of Income Insurance for Your Business

Protection for your business in case of the unexpected. If a disaster were to strike your business, how would you recover? If a major storm like a tornado or hurricane destroyed your building or essential assets, how fast could you rebuild, recover, and get back to 100% operation? The truth is, it can take a long time, and disruptions in business can result in major long-term losses. Fortunately, Loss of Income Insurance is available for businesses of all sizes. While... Read More

4 Ways to Protect Your Business From Harassment Cases

Best practices against harassment cases at the workplace. Regardless of what industry you work in, there is a chance your business may someday be sued for harassment. In fact, roughly 30% of the cases brought to the Equal Employment Opportunity Commission are related to harassment of some kind. While you may have created a safe, comfortable working environment for your employees, you never know when a supervisor, manager, or co-worker will act inappropriately. With that in mind, here are 4... Read More

10 Ways to Reduce Your Auto Insurance

Things you can do to lower your car insurance payment! It’s a fact of life. If you’re going to own a vehicle, you’re going to need auto insurance. Having automotive insurance is required by law, but it can get pricey. What can you do to reduce your auto insurance payments? The obvious answer is to drive safely, but we’d like to show you some other ideas that you can use to reduce your rates. (more…)

Employment Practices Liability Insurance Pros and Cons

Have you thought of the possibility of getting a Lawsuit from your employees? As a business owner, you do whatever is possible to create the best working environment for your team members, so the thought of them suing you is inconceivable. Right? As a business owner, you would like to believe that the people you hire are like your family. You do what you can to take care of them, and in return, they work hard to help your business... Read More

Is an Umbrella Policy Only for the Wealthy?

The Benefits of an Umbrella Policy Unexpected events can happen quickly, and while many accidents involving your auto or other properties are covered by insurance, a claim that goes above your coverage amount is always possible. For this reason, many drivers and homeowners choose umbrella insurance, which helps you protect your financial security from lawsuits and liability claims. This is a very helpful coverage that can be beneficial for many people, but, unfortunately, there is a common belief that umbrella... Read More

What is Your Hurricane Insurance Plan?

Protection you Get with Hurricane Insurance While warm areas like Florida or the Carolinas are a great place to call home, hurricane season can quickly change your definition of paradise. Most of the time, the weather is gorgeous and peaceful, but when a hurricane hits, the weather can turn into a destructive force of nature. The most important thing in a hurricane is making sure you and your family are safe, but it helps to know that your assets are... Read More

Do you need Gap Insurance?

A quick explanation of GAP insurance to find out if it’s right for you... There are many types of auto insurance, including liability insurance, comprehensive coverage, uninsured motorist protection, and more. One type of insurance that you may have heard about is GAP insurance. This insurance can be an important part of your insurance protection, but do you completely understand how it works? Let’s go over everything you need to know. (more…)

Top 10 Cheapest Cities for Auto Insurance

Is you city among the cheapest cities for Auto insurance? Auto insurance can be one of the biggest payments you have to make on a regular basis. While there are many components that determine your insurance rates, including your driving history and the value of your vehicle, where you live can actually make a difference as well. Due to weather, the local economy, traffic congestion, and other factors, some cities actually have cheaper auto insurance than others. Let’s go over... Read More

Will you trust Drones with your Insurance Claim?

Insurance industry and drones: What you can expect Insurance and technology tend to go hand in hand. People use cameras and even their phones to take photos of damage done to homes and vehicles. They hop on the Internet to find the best-priced insurance and to ask questions to their agents through email. It is no wonder that some insurance companies are now starting to think about using more tech tools, such as drones, as means to evaluate certain types of... Read More

5 Reasons to Review Your Insurance Policy Every Year

Why your Insurance Policy Needs an Annual Checkup Moreover, the savings and discounts you may be missing, are worth the review. The best practice to make sure you have the insurance coverage you need is to review your policies at least once a year. All different types of insurance policies should be looked at including car, home, life, etc. Let’s look at the top 5 reasons why you need to review your policy, and you’ll see why it is so important.... Read More

7 Most Difficult Home Types to Insure

Find out if the home you are buying or building can be insured Most of us don’t think that much about insuring our homes – we plan our dream home’s construction meticulously. We choose the perfect spot to build or buy. We put a lot of effort into ensuring that the school system is up to great standards. However, insurance should be one of the big considerations here. In fact, there are quite a few homes that might be difficult,... Read More

3 Secrets about Condo Insurance in South Florida

Facts and requirements for Condo Insurance in South Florida Condos can be excellent investments, particularly for those who want a home of their own but don’t want to deal with yard maintenance and other issues that come with a single-family home. Like any other home, you’ll need insurance on your condo unit, but how much coverage should you buy, and what items should you insure? What does the property’s master policy cover, and what does the association provide versus what’s... Read More

Leaving Your Company at Risk for a Data Security Breach?

4 Tips to Keep your businesses information confidential A look at the news today and you can see that companies of all sizes are becoming the victim of hacks and breaches. They happen with regularity, and it seems they are only getting worse. Sony and Microsoft are just two examples of giant companies that face these issues regularly. Smaller businesses, even though they might not have a large profile, are targeted by thieves and hackers as well. It’s very important... Read More

Are you covered if your Business has a data breach?

Let’s go over the difference between general liability insurance and cyber liability insurance. Why Your General Liability Insurance Doesn’t Cover Data Breaches When thieves are looking to steal financial data, one of the best places to turn is retailers, naturally. After all, they tend to collect quite a bit of customer data, including things such as credit card numbers. Once a thief gets a hold of these numbers, it means that those customers are all at risk of having money,... Read More

What You Need to Know About Boat Insurance

  Did you recently get a boat? Let's go over everything you need to know about getting the proper insurance for your new asset. Few things are quite as fun as having your own boat and getting out on the water every chance that you get. Whether you have a relatively small boat that’s perfect for fishing on the lake, or you have a large yacht that you take out into the ocean for extended trips, you need to understand... Read More

Do You Need Renter’s Insurance?

Learn about the different types of Renter's Insurance, Benefits, and the reasons why it would be good for you.   When you buy a home, you know that you need to have homeowner’s insurance. However, if you are merely renting a property, you might not feel that you need to have renter’s insurance. You may even feel that you are wasting money by getting this type of insurance. However, take a moment to think about what you would do if you... Read More

Top 7 Business Insurance FAQs

Many businesses may have the same Insurance FAQs as yours. Check out this list to solve your most common questions.   When many people start businesses, they have quite a bit on their mind. They need to think about where they will set up shop, how they will brand and advertise their business, how they will bring aboard employees, and about a hundred other things. If you are in the midst of starting a company, then you know how time... Read More

Homeowner Insurance Reimbursement: How It Works

Are you aware of all the terms and conditions that could apply for Homeowner Insurance Reimbursement? When you are choosing homeowners’ insurance, you need to pay very careful attention to the policies that you are getting. You should also make sure that you are looking at offerings from a couple of different companies so you can see the differences in what is covered as well as the price. For example, you may find that two policies seem very similar until... Read More

Do You Know What Your Homeowners Insurance Policy Really Covers?

Get the facts on what your Homeowners Insurance Policy covers A person’s home is easily one of the most important and valuable things that he or she owns. Naturally, people want to protect their home as much as they possibly can, and they rely on homeowner’s insurance to help them with this. Most people do not really understand their policy though, and they believe that it simply covers anything that could possibly happen to their home. Those homeowners are woefully... Read More

Get the Insurance Facts on Ridesharing Companies Such as Lyft and Uber

Learn about Insurance Facts on ridesharing companies such as Lyft and Uber  The news is full of headlines, both positive and negative, about ridesharing companies. The companies, while they are extremely useful, have had a number of safety issues and concerns crop up in recent months. One of the biggest concerns is in regards to insurance for the drivers and who actually provides coverage at different points.  (more…)

Decreasing the Outcome of Damages from Cyber-Attacks

In a recent blog, we shared with you President’s Obama plans to help decrease the outcome of damages from Cyber-attacks and his proposal while he addressed the State of the Union in January 20, 2015.  As part of the outcome of his proposal, President Barack Obama is making his rounds urging executives to cooperate more against cyber-attacks, and the private sector is now to make a decision on their position to join forces with government. The needed and expected center... Read More

Is Travel Insurance Really Worth it?

Tips to selecting the travel insurance   The world is only a plane trip away and if you are a growing business, travel may be a major expense for your company.  This is why there are things you need to know about travel insurance and its benefits. (more…)

Disability Insurance: Are you insuring your most valuable asset?

Get the facts about disability insurance. Learning about the proper coverage you need to have for yourself or your employees, is a good way to make a choice when it comes to Disability Insurance. (more…)

President Obama Gets Serious About Cyber Hackers

President Obama is Ready to Fight Cyber Hackers President Obama has recently announced his plan to fight back against cyber hackers. His most recent announcement addresses the notion that we can achieve better results with attacking back hackers as a whole if companies getting hacked would quickly share information about their attacks to prevent future attacks of the same type. A very long overdue legislation, firstly proposed in 2011, is now part of the top priority in the President’s agenda... Read More

Google to Offer Auto Insurance?

Can consumers also trust Google with their Auto Insurance needs? Consumers are already trusting Google with many of their basic-daily needs such as e-mail, news, marketing trends, documents storage, music, games, shopping, finances, maps and even money on the very new and controversial Google Wallet- and the new question is if consumers can also trust Google with their auto insurance needs! We’re going to go ahead and guess Google’s answer is: “Of course!” The search-engine giant has entered the world... Read More

7 Types of Business Insurance to Protect Your Business

The Types of Business Insurance You Need to Have Every business has risks, and the scary part is that the risks begin the same day that the business does. You’re at risk before you even hire your first employee and the last thing you want as a new business owner is to deal with lawsuits or other events that could put you out of business before business actually even starts. Luckily, with the right tools in place, you can protect... Read More

Avante’s Best Insurance Blogs of 2014

Best Insurance Blogs to Keep You Protected The new year is here which means it’s the perfect time for top lists! This year, we’re revisiting some of our most popular posts in 2014 to make sure you have the insurance information and tips to keep you protected in all situations. Check out our best insurance blogs of 2014: Top 10 Most Stolen Motorcycles Picture yourself pulling up to that restaurant you’ve been dying to try in a brand new motorcycle.... Read More

How to Prevent Insurance Fraud

Tips for Insurance Fraud Prevention and Why You Want to Prevent Insurance Fraud According to the Coalition Against Insurance Fraud, the average household’s insurance cost is increased by $300 a year due to fraudulent claims and insurance fraud costs Americans billions each year. As the second most costly white-collar crime in the U.S. (behind tax evasion), insurance fraud is not something to ignore- you don’t want to become a victim and to do that you need to understand how to... Read More

4 Tips for Safety in the Workplace

Why Preparation is Key to Safety in the Workplace As an employer, safety in the workplace is your responsibility, but so many companies don’t take employee safety seriously. Too many of us work under the “it won’t happen to us” mentality but the truth is that it can and it often will when you least expect it. Your employees come to work each and every day expecting that they won’t run into danger, and while it can’t always be avoided,... Read More

The Effects of Crash Avoidance Technology on Auto Insurance

How Does Crash Avoidance Technology Play a Role in Auto Insurance Rates? You’ve probably heard about all the vehicles that are now coming out with automatic braking and cameras among other new technologies, but what you may not realize is that crash avoidance technology may not lower your car insurance. The glitz and glam of these new technologies have been a huge topic of conversation in the auto and insurance industries, but as of yet they have had no effects... Read More

Construction Defect Claims

What You Need to Know About Construction Defect Claims It’s a fact of life that with time, all buildings being to erode and structures fail- but in the insurance world, this sometimes is due to a construction defect which means that someone is going to be held responsible in the event of damage or an injury. The frequency of construction defect claims have been increasing over the years, so it is especially important to ensure that you understand how they... Read More

7 Professional Liability Insurance FAQs

Professional Liability Insurance FAQs You Need the Answer To! Professional liability insurance is becoming more and more important, as well as more popular, in recent years and we get a lot of questions regarding what it is and why you need it. In our efforts to always keep you informed and make sure you're protected, we’ve come up with a list of some of the professional liability FAQs we hear often. If you have any other questions, feel free to... Read More

30 Questions to Ask Your Insurance Agent

Answers You Need from Your Insurance Agent If you're choosing an insurance agent, it’s important that you know what questions to ask an insurance agent so that you choose the right one that will best fit your needs. In this article we will examine questions to ask your home insurance agent and your auto insurance agent. If your agent can’t answer these questions, it’s a bad sign and you shouldn’t choose them. Your agent should always be fully transparent with... Read More

New ISO Risk Analyzer Personal Auto Environment

ISO releases next generation ISO Risk Analyzer Personal Auto Environment ISO has released the next generation of it’s ISO Risk Analyzer Personal Auto Environment Model. This new predictive analytic tool can be used by insurers to improve the territory rating of their personal auto business. The new update includes added variables, refreshed and renewed data sets, and a refined methodology. It now incorporates extreme weather information, road classifications, average daily traffic volume, and elevation variation. It builds on the strengths... Read More

Florida Workers’ Compensation Insurers Seek 3.3% Rate Decrease

The Current State of Florida Workers’ Compensation The National Council on Compensation has filed for a Florida statewide average 3.3% rate decrease. If approved, the new rates would take effect on Jan 1, 2015 and this would be the first rate decrease in 2 years, as well as represent a cumulative 57.5% rate drop since the Florida Workers’ Compensation law was rewritten in 2003. With fewer claims and lower loss amounts comes a favorable impact on the workers’ compensation market... Read More

Toyota Recalls 1.76 Million Vehicles Worldwide

The Implications of the Toyota Vehicle Recall Toyota Motor Corp. has announced a recall of 1.75 million vehicles worldwide due to flaws in the fuel and braking systems. Already under supervision in the U.S., Toyota had to recall 10 models, including the Toyota Auris compact hatchback and the Lexus IS, GS, and LS luxury sedans. While the company said that they were unaware of any crashes, injuries, fatalities, or fires resulting from the defects, it was essential for Toyota to... Read More

Illnesses and Diseases Under Workers’ Compensation

Determining if an Illness or Disease is Compensable Under Workers’ Compensation With the recent ebola outbreak getting closer and closer to home, we thought it was the perfect time to discuss illnesses and diseases and how they are classified under workers’ compensation. In order for an illness or disease to be occupational and compensable under workers’ compensation, two conditions must be met. The illness or disease must be occupational. This means that it must have risen out of the scope... Read More

Cyber Security Awareness Month: Are you protected?

Cyber Security is Becoming More and More Important in Today’s World October is Cyber Security Awareness Month, and while identity threat is becoming more and more serious, many people still don’t know where their data is or they don’t know if they're protected. As the holiday season approaches, data theft scams are likely to increase, so it’s more important than ever to protect yourself and your data. (more…)

Are You Measuring the Cost of Worker Absences?

Most employers don’t measure the cost of worker absences, but are beginning to learn that they should. An an employer, you must often deal with worker absences, but the majority of employers don’t actually measure the cost of worker absences according to an Aon Hewitt 2014 Health Care Survey released earlier this year. The survey polled 1,234 company representatives during December and January concerning their United States health care benefits. (more…)

Sinkholes Lurk in Florida

Sinkholes Continue Causing Problems in Florida Sinkholes are large holes that open up when soil collapses as a result of flowing water in underground limestone. They can be anywhere including under homes or streets and are often dangerous and damaging, with some sinkholes swallowing up full homes. (more…)

What You Need to Know About Commercial Auto Insurance

The Facts About Commercial Auto Insurance As a business owner, it’s important to make sure that you, your company and its employees are covered in the event of an accident. What you may not realize is that you need the same kind of insurance for the cars used in your business as you do for your own personal vehicle. Both large and small businesses require commercial auto insurance if they use a vehicle, such as a car or truck, for... Read More

Driverless Cars Have Become a Reality

Driverless Cars May Be Closer Than You Think Driverless cars have been more than just an idea for some time now, but the reality of being able to buy a car that drives itself is finally almost upon us. Anyone who has driven themselves to work has imagined being able to just sit back and relax while the vehicle takes you where you need to go, and while we aren’t quite there yet, the technology has gotten pretty close, especially... Read More

New EEOC Guidelines on Pregnancy Discrimination

EEOC expands guidelines on job discrimination against pregnant workers. The Equal Employment Opportunity Commission has updated its pregnancy discrimination guidelines for the first time in 30 years, and they have made it clear that the harassment or discrimination against pregnant women by employers in the workplace is sex discrimination, and thus is illegal. The new guidelines address not only the requirements of the Pregnancy Discrimination Act (PDA), but also how the American with Disabilities Act (ADA) applies in the case... Read More

Florida Homeowners’ Claims Bill of Rights

Florida Passes Homeowners' Claims Bill of Rights   The Florida Senate Appropriations Committee passed legislation creating a Homeowners' Claims Bill of Rights. The bill will notify Florida homeowners of their rights and responsibilities when filing an insurance claim and with 350,000 homeowners filing claims each year, and a large chuck of these filing complaints or searching for answers concerning their claims, it’s important that consumers aren’t left in the dark. The bill lets policyholders know what they need to do... Read More

The Future of PIP Insurance

Florida Lawyers Challenge PIP Car Insurance Law Lawyers in South Florida have requested that a judge declare the 2012 changes made to Florida’s car insurance system as unconstitutional. This is the latest in controversy over the law that reduces Personal Injury Protection (PIP) benefits down to $2,500. The changes kept the $10,000 coverage for emergency care, but reduced nonemergency benefits down to $2,500 and banned massage and acupuncture. (more…)

Florida Man Arrested for Stealing Insurance Premiums

Man in Florida Arrested for Stealing Nearly $1.1M in Insurance Premiums The former president and owner of G.M. Underwriters in Miami, Carlos Gutierrez, was arrested on grand theft and fraud charges last month. His arrest took place after an investigation revealed that he stole nearly $1.1 million in insurance premiums from seven premium finance and insurance companies. (more…)

Why You Need Professional Liability Insurance

The Ins and Outs of Professional Liability Insurance What is Professional Liability Insurance? Professional liability insurance, or errors and omissions insurance (E&O), covers businesses that offer professional and personal services. With professional liability insurance coverage, you’re protected in the event that a client is harmed from advice or a service that you provided and for which you are legally liable. (more…)

Florida Packing Plant’s Workers Charged with Workers’ Compensation Fraud

146 Employees Charged with Workers’ Compensation Fraud in Florida Last September, The Florida Division of Insurance Fraud opened up an investigation on Fruit Dynamics, a packing plant in Naples in which workers cut fruit and vegetables to order. The investigation began when a member of the sheriff's office received a tip from a defense attorney who had been working with Fruit Dynamics and its subsidiaries and said they had a high number of illegal aliens working there. An employee seeking... Read More

Florida Hurricane Tax Will End Early

The hurricane tax on property-insurance and auto-insurance policy will end Jan 1, 2015. To cover claims paid for the 2004 and 2005 hurricane seasons, the state of Florida added an extra charge on property-insurance and auto-insurance. The Office of Insurance Regulation recently issued orders which would force insurance companies to move up the end of a 1.3% emergency assessment for the Florida Hurricane Catastrophe Fund by 18 months. (more…)

Florida Flood Insurance Rates Set to Increase Again

Insurance Rates Increase for Florida Homeowners   Thousands of Florida homeowners throughout the state may see another double digit premium increase in upcoming months as the National Flood Insurance Program continues to raise rates, based on FEMA flood maps, throughout the country. While many homeowners will see an increase of 18%, homeowners with a second home that they don’t live in or that they use as a rental property may see increases up to 25%. (more…)

What You Need to Know About Insuring Your Business: General Liability, Professional Liability, and Cyber Insurance

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: What is the difference between general liability and professional liability insurance? What is cyber liability insurance? Watch the video or read the text below. What is the difference between general liability and professional liability insurance? The difference between general liability and professional liability is very distinct. On general liability, you’re basically buying coverage to cover the premises that you operate on, the... Read More

New Data Security Breach Law in Florida

Florida Gov. Rick Scott has signed a bill which repealed Florida’s data security breach law and replaced it with the Florida Information Protection Act of 2014.   The Florida Information Protection Act of 2014 went into effect on July 1, 2014 and it requires companies to take reasonable measures in order to protect and secure data which contains personal information in an electronic form. The bill also requires that individuals of data security breaches be notified of the breach under... Read More

The Cheapest Car Insurance Quote Isn’t Always the Best Option

Key Considerations When Shopping for Car Insurance   When shopping around for car insurance, it’s important to do your research and compare quotes from different companies. You will definitely see variations between prices, and the lowest-priced policy isn’t always the best option. It may save you money right now, but then may end up costing you in the future if you're not receiving all the coverage that you need. You need to choose an option that not only works for... Read More

What You Need to Know About Insuring Your Business: Business Interruption Insurance

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: What is business interruption insurance and why is it so important? Watch the video or read the text below. What is business interruption insurance and why is it so important? Business interruption provides the client that in the event they have a loss and they have to close down and cannot operate, the insurance company will pay them the loss of income... Read More

What You Need to Know About Insuring Your Business: Biggest Company Mistakes

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: What are the biggest mistakes companies make when choosing insurance? Watch the video or read the text below. What are the biggest mistakes companies make when choosing insurance? One of the biggest mistakes that we find with business owners when they start an operation is probably workers’ compensation, insuring the damages that an employee can incur while working for them is one... Read More

3 Tips for Hurricane Season Preparation

Use these tips to stay ahead of the storm for hurricane season preparation. With hurricane season upon us, it’s time for Floridians to buckle down and get ready. While the majority of us are familiar with having to put up shutters and dealing with the aftermath of big storms, floods and electricity outages aren’t the only things to worry about.Florida is heading into storm season with good news, but it is still essential to be prepared. It’s been years since... Read More

What You Need to Know About Insuring Your Business: New Business Owners

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: When should new business owners start looking for insurance and what types of insurance should they consider first? Watch the video or read the text below. When should new business owners start looking for insurance and what types of insurance should they consider first? New business owners should look at insurance the moment they open business. The reason why is because you... Read More

Florida Hurricane Catastrophe Fund Strong For Storm Season

Hurricane season starts in just a few days on June 1, and Floridians are going into it with good news. Recent projections show that the Florida Hurricane Catastrophe Fund, the state-created fund which backs up Florida private insurers, should have almost $13 billion available for the Atlantic hurricane season, an indication that it is capable of withstanding a devastating storm this year. "We are very strong at this point and very capable of handling a large event," said Jack Nicholson,... Read More

What You Need to Know About Insuring Your Business: Annual Check-Ups

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: Why are annual insurance check-ups so important? Watch the video or read the text below. Why are annual insurance check-ups so important?  An annual insurance check up is very important every year because things change. Your inventory could have increased, your sales could have decreased or increased, you might have a different number of employees. So, that insurance check up allows us... Read More

What You Need to Know About Employment Practices Liability

Employment Practices Liability (EPL or EPLI) is a growing product on the insurance markets, and it’s becoming more and more important for employers to protect their organizations against employment practices suits. What is Employment Practices Liability? Employment Practices Liability is a part of professional liability that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and a wage and hour law violations. Generally, EPL deals with rights protected under Title VII of... Read More

What You Need to Know About Insuring Your Business: Quotes

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: What do you need to know before giving a quote? Watch the video or read the text below. What do you need to know before giving a quote? On the commercial risk that we insure here in the agency, the type of operation that each client has will make it different between one and the other. For example, if we have a... Read More

The Future of Cyber Insurance

The present is digital, and threats are everywhere. We recently wrote about Cyber Liability Insurance, but even since then, it’s becoming more and more essential that businesses protect themselves and their electronic assets. There’s a saying in cyber security that there are two types of companies: those who have been breached, and those who have been breached but don’t know it. We are now at a time when you can no longer ignore cyber threats. The world we live in... Read More

What You Need to Know About Insuring Your Business: Independent Insurance Agencies

Avante Insurance's Gaby Dominguez tells you what you need to know about insuring your business! In this edition: 1. What are the advantages of working with an independent insurance agency? 2. What questions should clients ask potential agents? Watch the video or read the text below. What are the advantages of working with an independent insurance agency? The advantages of working with an insurance agency is basically that we have an array of carriers that we can go to in... Read More

Car Insurance Myths Debunked

You’ve probably heard a ton of things about car insurance, but you may not know what's true and what’s not. It can sometimes be difficult to understand exactly what you’re getting with your car insurance, but that’s where insurance agencies like Avante Insurance can help. We figure it all out for you, so you can leave the hassle to us. If you’re not too sure what’s true about car insurance and what isn’t, here are a 3 myths about car... Read More

Traffic Tickets that Lead to the Highest Car Insurance Premium Hikes

You probably already know that getting a ticket could increase your car insurance premiums, but did you know that the increase percentage varies based on what the ticket is for? Safer drivers tend to have lower insurance premiums, but we all make mistakes and even minor infractions can have a huge affect on your next insurance bill. Insurancequotes.com recently put together a list of “unlucky seven” top premium-raising traffic tickets by reviewing the consequences of the 17 most common moving... Read More

More than 1 in 4 Car Crashes Involve Cell Phone Use

We bring and use our cell phones everywhere and all the time these days, but it could be more dangerous than you think. You've probably heard about the dangers of texting and driving, and might even know someone who has been a victim of an accident caused by it, but you may not know that talking on a cell phone while driving may be even worse. The National Safety Council's annual report found that 26% of all car crashes are... Read More

Cyber Liability Insurance

In this day and age, threats are everywhere, and it’s important to recognize that virtual threats are just as dangerous as physical ones. With the importance of technology in business, it is essential that businesses protect not only their physical assets, but also the information kept on computers and passed through the web. Liability for loss of customer or employee data isn’t typically covered under corporate insurance policies. Some policies may cover a portion, but you don’t want to wait... Read More

Senate Approves Homeowner Flood Insurance Affordability Act of 2013

We recently wrote about the Senate vote to advance the Homeowners Flood Insurance Act and the House of Reprentative's Homeowner Flood Insurance Affordability Act, which would prevent higher flood insurance premiums from being forced on primary homeowners trying to sell property and would assure that homes built to meet current flood zone map regulations would not be reclassified under a new map and face much higher rates. On March 13th, the Senate approved H.R. 3370, the "Homeowner Flood Insurance Affordability... Read More

House Passes Flood Insurance Bill

We recently wrote about the Senate vote to advance the Homeowners Flood Insurance Act, which would postpone rate hikes in order to give the Federal Emergency Management Agency time to complete an affordability study and re-evaluate flood area map accuracy, and now the vote has moved to the House. There was a lot of speculation that the bill would face opposition in the GOP-controlled House, where Republicans were hoping to transition to a private market system for flood insurance. The... Read More

What You Need to Know About No-Fault Insurance

Florida is a no-fault insurance state and it’s important to understand what this means. In the most broad sense, no-fault insurance is an insurance contract under which those that are insured are compensated for any losses by their own insurance company, whether the fault is theirs or not. When it comes to car insurance, it’s a bit more specific. Not only are policyholders reimbursed by their insurance company without having to prove fault, but they also lose some ability to... Read More

What You Need to Know About Business Insurance

Your business is important to you, so it's essential that you protect it. You may not know anything about business insurance coverage, but we do, and here is what you need to know to get started on a path towards proper coverage for your company.   What is business insurance? Business insurance encompasses all the different coverage types available to protect business owners from losses. Business insurance can cover the property and business vehicles and protect the company again legal... Read More

Top 10 Most Expensive Cities for Car Insurance

Car Insurance. We probably don’t like paying it, but all of us with a car need it. Insurance premiums can vary, but did you know that one of the biggest factors involved is location? Rates vary significantly across the U.S., and some people will pay much more depending on where they live, but it’s not only drivers to blame for higher rates. Bad weather, traffic conditions, crime rates and no-fault insurance laws all affect premiums, and sometimes premiums can get... Read More

Small Business Insurance Tips

As many small business owners know, it can be tough to determine what types of insurance policies you need to protect yourself and your employees. Even if you do know which types of insurance policies you need, it is time consuming and often overwhelming to find the right provider, compare quotes and search through the fine print. We know that choosing an insurance plan can be stressful, but we’re here to help! Here are a few tips for getting you... Read More

Getting a Ticket Could Increase your Car Insurance Premiums

Most of us have at one point in our lives received a ticket. We’ve seen the flashing lights behind us, felt our hearts drop to our gut, and begun the process by rolling down our window. Sometimes, we’re lucky enough to get out of it, but most of the time, we leave in a bad mood with a fine to pay and sometimes even points on our license. Many of us many not realize it, but did you know that... Read More

Senate Votes to Advance Flood Insurance Bill

In 2012, Congress passed the Biggert-Waters Flood Insurance Reform Act and rates started rising In October. The bill was passed with strong bipartisan support in the hopes of ending a $24 billion deficit in the National Flood Insurance Program and was designed to make property owners pay for the risk of living in high-risk flood areas including coastal areas of Florida, New York, New Jersey, Louisiana and Texas, as well as inland states prone to river flooding. On Monday Jan... Read More

Top 5 Most Stolen Boats

It may be cold in the rest of country, but many people in Florida are still enjoying their weekend joyrides through the ocean on their boats. Cruising on a boat may be fun, but having your boat stolen most certainly is not. That's where boat insurance can help. The National Insurance Crime Bureau (NICB) recently released their ForeCAST report regarding 2012 boat thefts. There were a total of 5,870 watercraft thefts in the US, with only approximately 39% being recovered.... Read More

Florida Auto Insurance Update by Avante Insurance

Have you ever had to show your auto insurance just to realize you don't have it with you? We’ve all heard the phrase “there’s an app for that” and in this day and age, it’s no surprise that more and more places are accepting electronic forms of payment, tickets, loyalty cards and now proof of insurance. Florida Gov. Rick Scott approved a measure which allows Florida motorists to show proof of their car insurance on their electronic devices and it’s... Read More

Top 10 Most Stolen Sports Cars

We’ve all imagined ourselves driving down the highway in a brand new sports car, but few of us have probably thought of the theft that could come with it. Fortunately, having auto insurance can help. The National Insurance Crime Bureau (NICB) recently released their ForeCAST report regarding Sporty Vehicle Thefts in the US. (more…)

Nine in Florida Arrested for Workers’ Compensation Fraud- Avante News Update

Worker’s Compensation Insurance. Many of us need it, a lot of us have it, some of us don’t. Some may try to skirt the law in terms of safety, but many states, including Florida, are starting more and more to crack down on employers that put not only their employees, but also their customers in danger. Investigators with the Florida Department of Financial Services (DFS) Division of Insurance Fraud and the Florida Department of Business and Professional Regulation (DBPR) routinely... Read More

Top 10 Most Stolen Motorcycles

Picture yourself pulling up to that restaurant you’ve been dying to try in a brand new motorcycle. Now picture yourself walking out and realizing your motorcycle is gone. Unfortunately, it’s not always something you can avoid. Fortunately, having motorcycle insurance can help. (more…)

The Future of Driving

Whether it be that morning when you are so tired that all you can think about is falling asleep in the backseat, or that time you could really use your commute time to get some work done, most of us at one point or another have had that thought 'Wow, I wish this car drove itself.' If you haven't, it may be time to start thinking about it because a world filled with autonomous cars could become a reality in... Read More

What You Need to Know About Workers’ Compensation

Workers' Compensation covers all accidental injuries and occupational diseases arising out of and in the course and scope of employment, including diseases or infections resulting from such injuries. The law also covers death resulting from such injuries within specified periods of time. Even if you do not think an injury is covered, you must still file the First Report on Injury or Illness (DWC-1) with your insurance carrier for determination of responsibility within 7 days of your first knowledge of... Read More

Why You Should Consider an Errors and Omissions Insurance Policy

Errors and Omissions Insurance, also known as professional liability insurance or E&O insurance is a policy offering coverage for claim relating to providing, or failing to provide, a professional service. It is a type of commercial general liability insurance and is definitely something all small business owners should consider, as well as something we offer! E&O is typically purchased by professional service businesses, but even retail businesses can benefit from coverage, as a retailer could be sued for shipping an... Read More


Gaby Dominguez to Serve on Latin American Association of Insurance Agencies Board of Counselors

Avante Insurance’s Gaby Dominguez is serving a 1 year term on Latin American Association of Insurance Agencies Board of Counselors The Latin American Association of Insurance Agencies (LAAIA) Board of Counselors is made up of previous presidents who come back for a 1 year term to help provide guidance, support and direction for the coming year. Gaby was installed as a Board of Counselors Representative during the 44th LAAIA Annual Convention held at the Westin Diplomat Resort & Spa in... Read More

Gaby Dominguez Presents at CCFC’s “Essentials for First Time Homebuyers” Workshop

Avante Insurance is proud to announce that our very own Gaby Dominguez presented at the “Essentials for First Time Homebuyers” workshop. “Essentials for First Time Homebuyers” took place on June 14th, 2014 and was hosted by Centro Campesino Farmworker Center, Inc. (CCFC). Gaby presented an hour long seminar on “Insuring Your Home” in her native Spanish language, and Avante Insurance, along with TotalBank and Veterans Elite Realty, donated breakfast, lunch, and refreshments for the workshop. (more…)

Avante Insurance celebrates 35 Successful Years in Business

AVANTE Insurance, founded in 1978, celebrates 35 years of business success helping business owners, families and individuals with their insuranceneeds. Avante Insurance was founded by Francisco (Paco) Fernandez who was originally from Cuba and a life insurance agent in Puerto Rico in the early 1970s. In 1973, the family moved to Miami and in 1978, Avante Insurance Agency emerged. (more…)

Avante launches new website

Leading South Florida Independent Insurance Agency, Avante Insurance, is delighted to announce the launch of its new website www.03cb0d5.netsolhost.com/avante . The new website will be a valuable resource to clients and prospects wanting to educate themselves about personal and business insurance solutions as well as stay up to date on changes in the industry. The new site will provide a rich user experience. The design of the site along with the navigation is meant to be simple and provide a... Read More

AVANTE partners with Townsend Consulting Group to elevate performance

Avante Insurance Group hired executive business coach Kelly Townsend from Townsend Consulting Group when they wanted to take their business to the next level. Just as a professional athletes have coaches to constantly get better, Avante knew an executive business coach would be instrumental to empowering employees to excel in the organization. The Avante culture is all about continually asking ourselves: how can we do better? how can we provide more value? and how can we make a lasting and... Read More