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The largest difference between the two types of policies are that an HO3 policy is specifically for a house that is owner occupied and an HO6 policy was created for a condo unit owner. The HO3 policy is a mixture of named perils and open perils coverage. The HO6 policies tend to be fully named peril policies. READ MORE >>

On the morning of December 11, 2019 one of South Florida’s largest car dealerships was paralyzed by a cyber attack. Arrigo Automotive Group was a hacked with ransomware during one of the busiest months of the year for the local dealership. The hack left employees without work for days until new computers were installed at a price tag of $285,000. READ MORE >>

The majority of community associations do not have direct employees and question the need to carry a Workers Compensation policy. There are two reasons that an association needs to carry a Workers Compensation policy. READ MORE >>

When purchasing homeowner’s insurance, one of the main considerations is determining how much coverage is needed for the structure.  Insuring your home at replacement cost is recommended and should not be insured based on the market value. Market value is the value of the home including the land which is not covered by the policy. READ MORE >>

House fires can happen very fast and sometimes they can be deadly disasters. There are many precautions you can do to avoid a kitchen fire: 1)      Install a smoke detector close to the kitchen to sense a fire, but not close enough that it will trigger every time you cook something a bit smoky or steamed. READ MORE >>

Does your business have employees? Do you welcome your clients, future clients, etc. onto your business premises? If you answered yes to either of these questions then you need EPLI coverage. Some insurance policies offer this coverage under your General Liability insurance, but they are usually ... READ MORE >>

Can you afford to be closed for business while repairs to your building or personal property are being made after a loss? The answer is probably a resounding "NO!". Business Income is protection against loss of income or profits, in which a business has suffered a property loss or damage from a covered peril under the insurance policy, such as a fire or hurricane. READ MORE >>

Summertime is here and most of us are planning to take some time off.  It’s important to make sure that your home is well protected when you are away.  Here are some important tips to consider: Install a home monitoring system which is a peace of mind investment. READ MORE >>

Being properly insured is important, however, carrying the right amount of liability coverage is especially critical. Liability claims can quickly spiral out of control and put your home and other assets that you worked so hard for at risk if you are not properly insured. READ MORE >>

Crime coverage is a very important coverage for all homeowners and condominium associations as it protects the association’s funds from a board member or property manager absconding with their funds as well as other third parties. READ MORE >>

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