Owning a business in the Tampa Bay area comes with its fair share of surprises, but one thing you shouldn’t be blindsided by is your annual insurance audit bill. If the mere mention of insurance audits sends you into a…
What’s up everybody? David Carothers, the principal of Florida Risk Partners and founder of Cyber Chevron. Cyber Chevron is a badge of protection for all managed services providers in Florida. I wanted to come to you in cybersecurity month to…
Ransomware sucks and insurance is one of those things that no business owner ever wants to pay for, but they want it when they need it. The problem is we don’t spend as much time understanding what we have between…
People get confused when they do their statement of values. They want to know how often it should get done. Well, the truth of the matter is it should get done on an annual basis, but don’t shoot the messenger.…
Statement of Values, what all gets included in that? My goodness, everything that you own, that you insure on a property policy. It could be your building, it could be your furniture, fixtures, and equipment. It could be business income.…
Why is a statement of values important? Well, honestly, it’s because it’s the way the insurance company knows how much stuff you have and what it’s worth. Is a Statement of Values Important? See, we talked to you in a…
Today we’re going to talk about a statement of values. Sounds a little daunting, doesn’t it? Don’t worry, it’s not. But don’t let that fool you. It’s extremely important. In fact, most of the people who do my job don’t…
There are two different kinds of dividends in the marketplace today. One of them is a sliding scale and the other one is flat. The flat dividend is not a good deal unless you plan on having a terrible year,…
Dividends have been available in the Worker’s Comp world for a long time. They are a great way for an insurance company to reward a client for good performance. As with most insurance products, some companies offer more aggressive plans…
Agent of record, what is it? Man, if you’ve heard that term before, there’s no telling what the background is behind that conversation. But I’m going to tell you that the agent of record letter is not wrong. Like you…
