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Recently cybercriminals have begun to use legitimate programs in order to scam consumers and steal their information. These scammers use emails or text messages to trick you into giving them your personal information. They may try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could gain access to your email, bank, or other important accounts. Thousands of phishing attacks are launched every day and they are often very successful. In fact, the…

The DP3 refers to an insurance policy covering a residential building, usually rented to others. The HO3 is reserved for homeowners, but not exclusively single-family homes. If you own a multi-family (2-4 family) property and live in one of the units you can usually use the tried, true and tested HO3 policy to cover the entire dwelling, your contents (your stuff), and your own personal liability exposure. Because you live there, the cost of insurance is lower than if you…

You know what they say about assumptions, right? They’re an awful thing to have, especially when it comes to any kind of insurance coverage. It’s never a good idea to assume something is covered. For that reason, when you purchase commercial insurance, your assumptions could lead to the ruin of your business, or at the very least, a rude awakening. No one ever said that reading the fine print of an insurance contract is fun, but a lot of things…

In this article, let’s look at how you can benefit your company by seeking lockdown insurance advice. Construction may feel like it’s at a standstill. But you can still be proactive in improving your contractor business. With 9/10 Americans asked to stay in and flatten the Coronavirus curve, you’ve probably been looking for ways to minimize your company’s losses. So, let’s look at increasing your savings when you return to work. Cheap, well-considered insurance means more money for you. There’s…

At Morgan Insurance Group, we want to make sure those who own a business here in Florida have the proper protection they need to safeguard their company, their employees, and their customers. In our recent post, we began looking at some of the things you should know about commercial property insurance and the benefits of commercial coverage. These included looking at what commercial insurance is, what it covers, and some of the exclusions. We also discussed how a commercial property…

Commercial general third party liability insurance helps business owners handle claims which result from their business causing third party bodily injury or property damage to a third party. An example could include a customer injuring themselves on your business property and filing lawsuit. There can be misunderstandings about what is and isn’t covered by commercial general liability insurance. We’re here to help. Here’s a look at common misunderstandings about what’s excluded and included in the coverage. Commercial general liability insurance:…

Learn how to dock a boat with this step-by-step guide Very few things can get a boater’s heart pumping faster than a tricky docking situation. On a good day, docking a boat is relatively easy: You just pull into slip, tie off a couple lines, and get on with your day. But experienced boaters know that things can go sideways—and fast—when it comes time to dock (most boats have a few dings and scratches to prove it—mine included). So, it’s…

What Is Renters Insurance? Renters insurance covers the renter’s belongings in the event of loss, theft, fire, or other damage. Renters can choose the level of coverage that best protects the value of their property. Many policies do not cover damage caused by floods or earthquakes, but it is possible to purchase a separate policy to cover these events. If your rental property becomes uninhabitable for a period of time, your policy may pay for you to temporarily stay elsewhere,…

A huge number of uninsured drivers doesn’t help. The Insurance Research Council found that more than a quarter of Florida’s drivers don’t carry insurance, the most of any state. That drives up costs for everyone. So does the fact that a lot of claims in Florida involve lawyers, according to Insure.com. The state’s scourge of bogus broken windshield cases doesn’t help, nor do spikes in auto theft in some cities. State insurance officials blame severe weather for higher comprehensive premiums,…