by Steve Hall | May 5, 2025 | Uncategorized
What’s a Coinsurance? Coinsurance is a clause in most commercial property insurance policies. In a replacement cost policy, it is designed to encourage policyholders to carry an adequate amount of insurance to cover the entire loss amount, except for the deductible. ... by Steve Hall | May 24, 2023 | Workers Comp
Workers comp is a big expense for most companies. Most companies don’t know just how much more they “actually” pay, than what they “could” pay. Many businesses could reduce their worker comp insurance costs by 20 to 50% with a very modest effort. Why don’t they? Here... by Steve Hall | May 24, 2023 | car, home, personal, property, rental
Okay, you’re back from your honeymoon. You’re settling in to your new routines as man and wife. Aren’t you forgetting something? Sure, you need to write down your anniverary date (this applies mostly to guys), but that’s not it. You need to take a... by Steve Hall | May 24, 2023 | commercial, Insurance, personal
One of the most dangerous things I hear from clients and prospects is to just “give me a quote” or “I’ll let you bid on my insurance” when they are buying insurance. Our business is about helping clients protect themselves from the world around... by Steve Hall | May 24, 2023 | commercial, Insurance, Workers Comp
The Florida Insurance Commissioner has approved an 8.9% increase in workers’ compensation rates effective 1/1/12. This follows a 7.8% increase this past year. Increasing claims frequency and rising drug costs were cited as the primary cost drivers in the...