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Homeowners Insurance Not Enough? | Special Property
Standard homeowners insurance is not always adequate to cover all of your possessions. The homeowners policy has specific limitations with regard to certain classes of property. It is important to understand these limitations in terms of making sure that your belongings are properly protected. Special classes of property include but are not limited to cash,…
Assignment of Benefits & the Florida Office of Insurance Regulation
The FLOIR Website Has a Section Dedicated to Assignment of Benefits. The following is an excerpt from the Florida Office of Insurance Regulation website (https://www.floir.com/Sections/PandC/AssignmentofBenefits.aspx): An Assignment of Benefits, or an AOB, is a document signed by a policyholder that…
The Role of the Audit in Insurance
The mere thought of an audit is enough to strike fear in the minds of most people. However, it does not have to be thought of in this way since an audit is nothing more than the reconciliation of estimates…
Cyber Liability | Is Your Business Covered?
Cyber liability is the fastest growing line of insurance being written today for businesses. Over the last several years, there have been many high profile news stories, from Target department stores being breached to Home Depot and health insurers, where…
Reservation of Rights | What’s on the Reservation?
How does an insurer communicate to an insured that there may be a coverage issue with regard to a recently submitted claim? A “Reservation of Rights” is a document which spells out specific policy language in comparison with the initial…