Resources

UM: Benefits Beyond Medical Bills

January 27, 2026 | Article

Even if someone is in the military, is retired, and/or has "a lot of other insurance," the protection provided by uninsured motorist coverage is very valuable.

Uninsured Motorist Coverage on a Single Car Risk

July 22, 2025 | Article

Even with a single car risk, there is a coverage difference between the stacked and non-stacked UM forms which can affect whether the insured will be able to collect UM at all.

Flood Policies, Condo Units, and Additions & Alternations

June 3, 2025 | Article

What is covered by the National Flood Insurance Program (NFIP) policy and what specifically do the unit owners need to insure?

Bylaws vs. Statutes—Condominiums

November 14, 2024 | Article

Condominiums may require unit owners to maintain certain property, but the insurance responsibility is clearly defined in the statute.

Storm Restrictions and Auto Physical Damage Coverage

October 22, 2024 | Article

This article outlines the restrictions placed on an auto policy while there is a storm near your area.

Other Structures Coverage and the NFIP

October 6, 2024 | Article

What is covered under the NFIP and what qualifies as "other structures"?

Auto Medical Payments: Top 10 Reasons to Carry It

September 4, 2024 | Article

There are many benefits to carrying automobile medical payments coverage on a personal auto policy. Here are 10 of them.

Condo Unit Owners—Why Carry Building Coverage?

June 28, 2024 | Article

This article examines the insurance needs and coverages provided by both the dwelling flood policy purchased by the unit owner, as well as the condo "master" flood policy, the Residential Condominium Building Association Policy.

Agent of Record Letters: Highway to the Danger Zone!

June 7, 2024 | Article

Use the AOR to get the business, but start from scratch and make sure the product that the insured has is correct and still the appropriate product. 

Lender-Supplied Private Flood Insurance Form

May 31, 2024 | Article

Beware lenders who request you sign a “Certification of Adequacy of Private Flood Insurance by Agent" form. 

The Definitive Q&A for Mortgage Company Issues

February 14, 2024 | Article

Requests by lenders are often made to the insurance agent and those requests lead to problems when trying to structure an insurance policy.  This article contains some frequently asked questions about this issue.

Uninsured Motorist Coverage: The View from a Plaintiff Firm and an Agent

January 10, 2024 | Article

Uninsured motorist coverage is a critical coverage to carry. It's so critical even an independent agent and a plaintiff's attorney agree!

Back Dating Homeowners Cancellations

December 12, 2023 | Article

Can I back date a homeowner's insurance cancellation?

Replacement Cost Estimator (RCE): Relief at Last!

October 12, 2023 | Article

A new statute gives agents help with lender demands for the RCE.

Getting Sued By Being Too Helpful: Stick to Your Expertise

September 19, 2023 | Article

Here are 10 examples of how venturing outside of your insurance expertise in an effort to be helpful to customers could backfire.

Surplus Lines Forms: Diligent Effort or Disclosure Form?

September 7, 2023 | Article

There can be confusion about what form is required when placing a policy with a surplus lines insurer. This articles helps clear that up.

Fees FAQ

September 5, 2023 | Article

This list addresses everything we know about the subject of how, when and why an insurance agent is allowed to charge a fee.

Uninsured Motorist Coverage on Single Car Risks

May 19, 2023 | Article

Even with a single car risk, there is a coverage difference between the stacked and non-stacked UM forms which can affect whether the insured will be able to collect UM at all.

Ask commercial customers about ALL owned autos!

May 16, 2023 | Article

Any business that has two business auto policies with different carriers or that doesn’t have “all” owned autos insured with the same business auto carrier is at risk for an uninsured loss on multiple fronts.

Excluding Windstorm Coverage

January 31, 2023 | Article

Legislation passed in 2007 and repealed and replaced in 2011 (F.S. 627.712 ​) changed the ability of an admitted insurer to issue a property policy that does not include coverage for damage caused by the peril of windstorm.