What Is Umbrella Insurance?

Property and casualty plans have limits to the amount of coverage they provide. If you sustain a loss, you will need to pay for any costs beyond your plan limits unless you have an umbrella plan. An Umbrella policy is an extra type of liability insurance that will provide coverage to you above and beyond the standard policy you have in place. It protects you over the limits on your home or condo insurance. You may also be able to…

The Top 10 Reasons Your Business Needs Commercial Insurance Coverage

One of the primary responsibilities of being a business owner in South Florida is building a solid reputation that customers trust. After all, word-of-mouth is very powerful, and with online reviews, customers and employees do not hesitate to express individual experiences when it comes to dealing with your business. So, consider these scenarios. What happens if one of your employees or customers got injured on your business property? What would happen if the building your business is located in suffers…

9 crime prevention tips for businesses

From the physical structure to the interior assets, your long-term goals to the day-to-day expenses, your business is a significant investment. That’s why protecting your business in all areas is imperative. Crime prevention starts with a plan. We’ve gathered nine crime prevention tips for businesses to help you make that plan and stop theft in its tracks. Explore them all: Use the business buddy system. If you’re on a street with other businesses, work together and with local law enforcement…

Why life insurance is the ultimate Valentine’s Day gift

Forget chocolates, flowers and a nice dinner. The best gift for Valentine’s Day is life insurance. Here’s why. What are the components of a great Valentine’s Day gift? It should be romantic, personal, intimate even. It should demonstrate both love and commitment, not to mention that elusive blend of spontaneous passion and careful planning. It should be a surprise, if possible, yet somehow perfect, as if your beloved had specifically asked for it in advance. Welp, we’ve looked high and…

How Business Insurance Policies Prevent Severe Financial Losses

Business insurance is a safety net, protecting your company from unprecedented disasters. By getting business insurance coverage, you can easily mitigate severe financial losses. Moreover, the coverage gives your company a competitive edge, keeping it ahead of competitors. Despite these benefits, many business owners avoid getting small business insurance to lower expenses. However, this cost reduction can put your business in serious trouble. To help you decide whether a business insurance policy is necessary for your company, this post covers…

Don’t Be a Turkey This Thanksgiving: Insurance Tips for a Safe Holiday

Did I put too much salt in the gravy? Will grandma ask me why I’m still not married? Will the Steelers beat the Ravens? These are valid Thanksgiving Day concerns and hopefully the biggest worries you’ll have this coming Thursday. Unfortunately, the holiday can bring up a cornucopia of other troubles, from cooking accidents and injuries, to home and car safety issues. Below, we’ve outlined a handful of steps you can take to make sure this is one of your…

Case Study: Don’t Think You Need Business Insurance? Think Again.

All great businesses must start somewhere and, for many entrepreneurs, the “world headquarters” operates in the basement until the balance sheet grows. This was the case with a small publishing company that started as a personal passion in 2007 and quickly grew into a national magazine and reputable online resource. Like many small business owners, the founder didn’t realize that she needed insurance at first. Upon applying for a grant that required proof of insurance, she realized that she had…

10 basic home insurance facts

Whether you are about to become a first-time homebuyer or have owned property for decades, the following 10 home insurance facts should help you get the right policy: 10 fun facts about home insurance While these home insurance facts may not all be fairly classified as “fun,” they are interesting and important. 1. Home insurance coverage varies Perhaps the best way to start any list of interesting insurance facts is to point out that home insurance policies can provide vastly…

Top 10 Reasons Why Your Business Needs Insurance

Running a business comes with inherent risks: An employee could get injured on the job; a natural disaster could destroy property; or a client could file suit, alleging a contractual breach. For those and other reasons, it is important to protect your assets, both business and personal. One of the best ways to do that is to make sure you and your business are adequately insured. Here are ten top reasons why your business needs insurance. 1. It’s the Law…

How Eight Miami-Dade Cities Got Their Names

Even more interesting than the origins of Miami’s neighborhoods are those of our individual cities. Many Miami-Dade cities were inspired by the real estate land boom of the 1920s, when soaring dreams met big wallets resulting in some crazy stories and well, some ideas that worked. We took a look at the origin stories of eight of Miami-Dade County’s cities. How Eight Miami-Dade Cities Got Their Names Miami Myami, Miamuh, Meeamee, however you like to pronounce it, the fact is that it’s home.…