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Quality long-term care is very important for many of these older Floridians. The Florida Agency of Health Care Administration (AHCA) regulates health care facilities throughout the state and also administers Florida’s Medicaid program. Below are a few of the long-term care facilities regulated through AHCA: Assisted Living Facilities: Provides long-term care housing, meals and some [...]

In the state of New York, you may qualify for low-cost health insurance if you are a small business, sole proprietor or individual. In 2000 the NY Legislature enacted regulations in response to the Governor’s proposal to make available comprehensive insurance coverage for New York workers and their families who are uninsured. The name of [...]

Don’t let your search for affordable life insurance make you vulnerable to fraud. If you are contacted to purchase a life insurance policy and then immediately sell it, think twice. You may be the target of an insurance fraud. The National Association of Insurance Commissioners and your state’s Department of Insurance want policyholders to be [...]

Workers Compensation FAQ

Here you will find answers to a few of the most commonly asked questions about Workers Compensation. What is a Posting Notice? A posting notice is a form, which contains the insurance company’s name, p0olicy number, policy term and employer name. It is required to be placed in a prominent location on the employer’s premises. [...]

Homeowner Insurance

All property insurance policies are not the same. Make sure you compare apples to apples to ensure you select the policy that will best protect your business. You’ve gone through the process of soliciting property insurance quotes. You’ve provided the necessary underwriting information; your broker has diligently marketed your information and has returned with several [...]

Agent vs Broker

“As a business owner, should I use a broker or an agent?” The answer to that questions largely depends on you. The line that separates the difference between an agent and broker is a blurred one. Both an agent and a broker have the ability to solicit insurance quotes that will adequately protect your business, [...]

Homeowner Insurance

Sometimes looking in the mirror, assessing your situation and making a few much-needed changes can help to lower your homeowner insurance rate. Reducing your homeowner insurance rate consists of three factors: Insurance company underwriting guidelines The condition and maintenance of your home, and Your personal, individual risk factors. Once you have become familiar with your [...]

Liquor Liability

Liquor Liability

Your company is sponsoring a Christmas party. Which coverage should you buy. . . Host Liquor or Liquor Legal Liability insurance? Both host liquor liability and liquor legal liability protect your business in the event an intoxicated person causes bodily injury or property damage as a result of being served liquor by your business. However, [...]

The topic of workers compensation can be a bit overwhelming if you are a new business. Before you buy a policy, there are a few questions you should ask. Workers compensation is a mandatory coverage and should be carefully shopped around to ensure you have found the right company and broker for your business. Although [...]

When comparing low cost car insurance quotes, make sure you’re comparing from the same point of reference. Here are a few things to take into consideration when shopping: Underwriting information: What underwriting information does the insurance company use. Aside from the obvious information regarding the vehicle and your driving record, do you know if the [...]