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How Would the End of Florida’s “No Fault” Law Affect My Auto Insurance? It was 1979. Disco was on the way out and “no-fault” insurance was on the way in. In an effort to reduce the adversarial nature of the claims process, Florida adopted a new concept in insurance at the time called “no-fault” coverage.The concept was ... Read More

Commercial Property Insurance: What it Will and Will Not Cover Whether you own your own business, lease office space, or work from home, protecting your workspace is important. You want to make sure that you have the right amount of insurance to protect your assets without breaking the bank. Commercial property... Read More

Boat Insurance: At Sea Accidents Whether it’s a small backwater runabout or a 100-foot mega-yacht, owning a boat for most of us means freedom. It is the freedom to explore the open seas or search for that hidden fishing hole. Tall sails to powerboats, one thing is certain, boat own... Read More

Travel Insurance: What Types Are Available to the Traveler? Traveling is an exciting hobby that allows us to learn more about different cultures while we discover brand new places. It doesn’t matter if you visit far-away lands or if you enjoy taking a road trip to the neighboring city for the weekend, we can... Read More

Hurricane Insurance: Coverage and Exclusions For those who have lived in a hurricane-prone area for any length of time, you likely are on a first name basis with at least one storm. Whether it was Donna or Irma, Andrew or Harvey, one thing is certain; homeowners quickly learned the limitations... Read More

Do I Need a Type of Natural Disaster Insurance? Extreme weather and wildfires caused 2017 to be the costliest year for United States disaster relief. The hurricane region experienced three significant storms; Harvey, Irma, and Maria, while residents on the West Coast dealing with record-breaking ... Read More

General Liability Insurance for the Small Business Your small business is likely your greatest asset. Small businesses can own property and vehicles, but it is the business’s ability to generate income which matters most. And in today’s litigious world, even the smallest lawsuit can bring your busin... Read More

Renters Insurance: What Will it Cover Renters Insurance is a three-part policy designed to protect tenants, their families, and their belongings in a variety of circumstances. Coverage normally includes liability, personal property, and additional living expenses protection. These polic... Read More

Homeowner’s Insurance: Exclusions You Need to Know Congratulations on your new home. Buying a home is never something to enter lightly. There are many legal issues to consider, such as the real estate contract, insurance needs, and the mortgage contract. Here, we will focus mostly on the homeowner’s... Read More

Umbrella Insurance: Added Protection for Your Auto or Home You’ve worked hard to build a home, provide for your family, and set some money aside for retirement. But, in an instant, everything you have accumulated could be in jeopardy. Accidents happen. And, if a major accident or an unfortunate event occurs... Read More

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The above description(s) provide(s) a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.