The state of Florida requires employers to obtain worker’s compensation insurance for all of their employees. The state provides few exceptions and requires FLDFS proof of coverage to operate. There are a few things you need to know about the law. Included Benefits The workers’ compensation policy should include death, medical expense and disability benefits […]
How the ACA Can Affect Your Business
If you own a business and have employees, it is important to understand how the Affordable Care Act affects you. Having aca and home health care options is important because companies that have employees working over a certain number of hours a week are choosing to provide insurance to those they employ or risk paying […]
Understanding DO Claims
Directors & Officers or D & O claims are those made against public, private and non-profit companies’ executive managers. These management liability claims related to the individuals’ everyday decisions. To help you better understand these types of claims, here are four real-world D&O claims examples. 1.Fiduciary Duty Failure Creditors of a financially-struggling company sued its […]
Managing Your Open-Water Operations
Managing Your Open-Water Operations Whether a business operates in the areas of land or sea, carrying an insurance policy is strongly recommended. Because the risks and exposures differ by industry and location, the expert advice from the team at Merrimac Marine Insurance recommends a uniquely tailored coverage plan for each business. If your operations involved […]
Why You Need Laser Hair Removal Insurance
Laser hair removal is a relatively common and safe procedure. Nowadays, it is not uncommon for spas or salons to offer a mixture of medical cosmetic procedures and traditional procedures. This, of course, also opens up the door for malpractice suits. Here is what you need to know. What Is Laser Hair Removal Malpractice? […]
How To Protect the Lawyers at Your Firm
As the head of a law firm, you are probably familiar with various suits people may file when they are dissatisfied with the way a situation turns out. According to U.S. Risk Insurance, there are several areas in which lawyers at your firm could be exposed to legal risks. Professional liability for law firms protects […]
What Is Maritime Employer’s Liability and Why Is It Important?
A job working on or near the water isn’t your average nine to five. Maritime work comes alongside its share of unique perks and advantages for sure, but it comes with industry-specific risks as well. It’s imperative that maritime employers protect both themselves and their employees with comprehensive insurance coverage, up to and including maritime employer’s […]
Do You Know Your Coverage Needs?
When you are looking for insurance coverage, some carriers forget that the average consumer doesn’t know the difference in terms that are often used interchangeably. With insurance services, umbrella and excess seem to represent the same coverage, but there are some clear differences. Here is a brief comparison between umbrella insurance and excess insurance. Excess […]
Why You Need Rent Default Insurance
We all pay for our homes. Whether as a renter or a buyer there are monthly payments made. When you own a property for rent, what protection do you have if your renter moves or abandons your property? Rent default insurance can offer financial protection when you find yourself in a position with unreliable tenants. […]
3 Programs Your Library Can Offer
Many libraries have a plethora of summer activities and reading challenges for people of all ages. Once school starts, though, programming tends to taper off. As referenced on https://www.reganagency.com, however, there are many ways to continue to promote literacy for school-age children. Here are three after school library program ideas that can fuel excitement about reading […]