Understanding Commercial Property Insurance
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Understanding Commercial Property Insurance

ByRick Rolfs

What is Commercial Property Insurance? Commercial property insurance is designed to protect your business’s physical assets, including buildings, equipment, inventory, and furniture, from damage or loss due to covered events. These events typically include fire, theft, vandalism, and natural disasters like hurricanes and floods. Why is Commercial Property Insurance Important? Florida’s unique climate and geography…

BOE Business Owners Expense
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Protecting Your Business with BOE Insurance: A Lifeline for Small Business Owners

ByRick Rolfs

As an independent insurance agent, I often see business owners focus on essential coverage like Buy/Sell agreements, Key Man insurance, and Owner Disability Income coverage. However, there’s another critical aspect that sometimes gets overlooked: protecting the business itself from the impact of an owner’s disability. This is where Business Overhead Expense (BOE) insurance comes into…

Big I 2024 Best Practice Agency
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Rolfs Insurance Services Named a 2024 Best Practices Agency

ByRick Rolfs

Pembroke Pines, Florida, July 26th, 2024 – Rolfs Insurance Services retained its Best Practices status for 2024, joining an elite group of independent insurance agencies from across the United States. The Best Practices agency designation is awarded to participants in the Best Practices Study, which analyzes and documents the business practices of the highest-performing insurance…

Big I 2023 Best Practice Agency
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Rolfs Insurance Services Included In IIABA’s 2023 Best Practices Study

ByRick Rolfs

Pembroke Pines, FL, September 28, 2023 – Rolfs Insurance Services retains its Best Practices status, once again becoming a part of an elite group of independent insurance agencies around the United States. This status comes by participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Best Practices Study group….

Home Owner Insurance
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Why home and auto insurance rates are continuing to rise in 2023

ByRick Rolfs

Thanks to an unusual convergence of market trends, ushered in by the pandemic and followed by other disruptive events, you may see a bigger change to the cost of your home and auto insurance than usual when it comes time to renew your policies this year. Insurance rates are based on what an insurer thinks…

Commercial Insurance
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Commercial Insurance: Essential for Businesses of All Sizes

ByRick Rolfs

Commercial insurance is an essential tool for businesses of all sizes. It provides protection against a variety of risks and helps companies recover from financial losses in case of accidents, natural disasters, lawsuits, and other unexpected events. Whether you own a small business or manage a large corporation, having the right insurance coverage is critical…

Big I 2022 Best Practice Agency
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Rolfs Insurance Services Included In the Big “I” and Reagan Consulting 2022 Best Practices Study

ByRick Rolfs

Pembroke Pines, FL, November 6th, 2022 – Rolfs Insurance Services is part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) “Best Practices” Study Group. Each year since 1993, the Big “I” and Reagan Consulting, an Atlanta-based…

Tips to save money on homeowners insurance
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Tips to Save Money on Homeowners Insurance

ByRick Rolfs

Here are some basic questions and answers which you should consider when looking at the cost of homeowners insurance and your home or home improvements. How can comparing quotes help homeowners save money on expensive endorsements or additional coverage like flood insurance? Comparative shopping is always prudent. Certain carriers have appetite for risks that other…

Spring Maintenance for Your Home
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Spring Maintenance for Your Home

ByRick Rolfs

When springtime rolls around in Florida, almost everyone thinks of cleaning. That’s fine (we probably all need to do a little more of that, after all), but there’s something even more important to keep in mind: home maintenance. So, when it’s time to set your clocks ahead for daylight-saving time and change the batteries in…

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Your First Spring Garden

ByRick Rolfs

How to Create Your First Garden This Spring From genetically modified crops to the environmental and health effects of pesticides, more and more Florida residents are questioning whether they should grow what they eat. Wherever you stand on the issues surrounding today’s food supply, however, there are several good reasons to start your own garden:…

Home Insurance Rates Are Skyrocketing. Here's Why.
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Home Insurance Rates Are Skyrocketing in Florida. Here’s Why.

ByRick Rolfs

Despite legislative reforms passed during the 2021 Legislative Session, Florida’s homeowners have continued to see dramatic property insurance rate increases. At the same time, the insurance industry is losing billions to unnecessary lawsuits from third-party contractors. In the first three quarters of 2021, financial results show that property insurance had $1.22 billion in underwriting losses.1…

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Want a Safer Home? Consider these Inexpensive Fixes

ByRick Rolfs

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can handle to make your home safer – whether you’re handy or not. And you won’t have to break…

Amazon requiring sellers obtain insurance

Selling on Amazon.com? We can help!

ByRick Rolfs

Amazon sellers which exceed a certain amount of gross proceeds in sales are required by Amazon to obtain liability insurance (review the Business Solutions Agreement with Amazon for complete details). We have access to the appropriate markets which provide this coverage through companies with excellent financial strength as rated by AM Best, the industry standard…

Should You Be Worried About Your Appliance Hoses?
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Should You Be Worried About Your Appliance Hoses?

ByRick Rolfs

There’s a ticking time bomb in your South Florida house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage. We here at Rolfs Insurance Services are talking about faulty appliance hoses, of course. Consider…

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Hurricane Preparation & Resolution | A Plan for Before & After the Storm

ByRick Rolfs

Hurricane preparation is frequently on the minds of Floridians as hurricanes are often racing towards our shoreline. When under a hurricane warning or hurricane/tropical storm watch, the forecast track may put us all in peril as the looming storms threaten property damage, mass power outages and communications breakdowns. Hurricane preparation prior to a storm arriving. Clear the immediate area of…

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Heavy Rain? Be on the Lookout for Heavy Water Damage

ByRick Rolfs

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you…

2021 COVID-19 Update from Rolfs Insurance Services

2021 COVID-19 Update from Rolfs Insurance Services

ByRick Rolfs

2021 COVID-19 Update from Rick Rolfs, President of Rolfs Insurance Services We begin the new year hopeful that business operations will normalize not just for our agency but for everyone else as well. Unfortunately, while some of our staff continue operations at our Pembroke Pines office, we are still not accepting office visits for the…

Diamond ring jewelry insurance feature
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Jewelry Insurance Coverage Explained

ByRick Rolfs

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason why you treasure a piece of fine jewelry is a reason why it should be insured. However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure…