What Disqualifies Life Insurance Payout? How to Fix It Now
What Disqualifies Life Insurance Payout? How to Fix It Now Quick Insights Policy Lapse: Missed payments cause automatic termination. Fraud or Misrepresentation: False info on the application voids the contract. Death During Contestability: Death within 2 years = claim investigation. Excluded Causes: Suicide, illegal acts, or risky hobbies may nullify coverage. Homicide or Beneficiary Fraud: […]
How Much Is Builders Risk Insurance?
How Much Is Builders Risk Insurance? 2025 National Cost Guide Quick Insights: Builders Risk Insurance at a Glance Factor Typical Range National Average Rate $40–$85/month per $100,000 project value Project Types Covered New builds, renovations, tenant improvements Cost Factors Location, project type, value, duration Term Length 3–12 months (extendable) Common Add-ons Equipment, ordinance upgrade, soft […]
SaaS Insurance: What Startups Need in 2025
SaaS Insurance: What Startups Need in 2025 Summary E&O and Cyber Liability are must-haves for SaaS startups. Local rates vary: NYC and Miami often see higher premiums. Funded startups need D&O and EPLI for board protection. Insurers often miss compliance-specific coverage gaps. Bundle policies to save up to 20% annually. Introduction SaaS insurance isn’t just […]
What is property damage liability?
What Is Property Damage Liability? Imagine this: You’re driving through your neighborhood and accidentally hit a parked car. The damage looks expensive. Who’s going to pay for it?If you have property damage liability insurance, your policy does. 🧠 Key Takeaways ✅ Property damage liability (PDL) pays for damages you cause to someone else’s property ✅ […]
Does Liability Insurance Cover Theft?
Does Liability Insurance Cover Theft? Liability insurance is one of the most commonly misunderstood types of coverage—especially when it comes to theft. If your car, equipment, or even a catalytic converter is stolen, will liability insurance help you recover the loss? The short answer: No. Liability insurance does not cover theft. But there’s a lot […]
Risk Management Blueprint: Safer Growth With Hotaling
Turning Uncertainty Into Advantage: Hotaling’s Practical Playbook Risk management is the ever‑present companion of ambition. The moment a company rolls out a new product, enters a foreign market, or welcomes its first employee, uncertainty steps onto the balance sheet. At Hotaling Insurance Services, we don’t sidestep that uncertainty—we master it. By measuring, financing, and ultimately […]
Hand Insurance for Surgeons and Musicians
Protecting Your Most Valuable Asset: Hand Insurance for Surgeons and Musicians Introduction Hand Insurance is for professionals like surgeons and musicians, hands are not just body parts; they are the very instruments of their trade. An injury or disability affecting the hands can be career-ending, making it imperative to have adequate insurance coverage. Hotaling Insurance […]
Can You Get Life Insurance with High Blood Pressure?
Can You Get Life Insurance with High Blood Pressure? High blood pressure, or hypertension, affects nearly half of U.S. adults. If you’re one of them and you’re applying for life insurance, you might be wondering: Will I qualify? Will my premiums go through the roof? The good news is that yes, you can get life […]
What Is Captive Insurance and Why It Matters for Your Business
What Is Captive Insurance & Why It Matters for Your Business Captive insurance is an innovative risk management strategy that lets companies “insure themselves” by creating a licensed insurer solely for covering their own risks. At Hotaling Insurance Services, we believe that understanding what is captive insurance can unlock significant benefits—from cost savings and customized […]
Is Health Insurance a Waste of Money? Employee Expectations
Is Health Insurance a Waste of Money? Employee Expectations Is Health Insurance a Waste of Money? In recent years, conversations around health insurance have intensified. While some argue that paying monthly premiums for coverage that might rarely be used is an unnecessary financial burden, many employees expect health insurance to serve as an essential safety […]