EPLI Coverage: Supreme Court’s 2024 Decision
How the Supreme Court’s Decision Reshapes EPLI Coverage Introduction As an expert in the insurance industry with a decade of experience, I have seen numerous policy evolutions, but few are as pivotal as those impacting Employment Practices Liability Insurance (EPLI). The recent unanimous Supreme Court decision, which revisits the legal threshold for “significant harm” in […]
Florida’s Hurricane Season 2024: Insurance Insights
Florida’s Hurricane Season: Insurance Insights Introduction Florida’s hurricane season is a critical time for both preparation and reflection on the vital role of insurance in safeguarding personal and business interests against the unpredictability of nature. From June to November, residents and businesses brace for the potential devastation that hurricanes can bring, emphasizing the importance of […]
Key Person Insurance: Your Business’s Safety Net
Safeguarding Your Business’s Future With Key Insurance Introduction The ever-evolving landscape of business operations demands proactive measures to safeguard against unforeseen setbacks. Among the multitude of insurance policies designed to protect businesses, Key Insurance or Key Person Insurance (KPI) stands out for its crucial role in mitigating the risks associated with the loss of a key […]
How to use Life Insurance While Alive
Utilize Life Insurance While Alive: Strategies for Financial Flexibility and Security Key Takeaways Permanent life insurance policies accumulate cash value over time, which can be accessed through loans or withdrawals for tax-efficient financial flexibility. Living benefits riders, such as critical illness, disability income, and long-term care riders, allow policyholders to access death benefits early for […]
2024 Hurricane Season: Insurance Effects
2024 Hurricane Season: How This Effects Your Insurance The relationship between hurricane predictions and insurance rates is a complex interplay of risk assessment, financial reserves, and market dynamics. After devastating hurricane seasons, such as those witnessed in 2005 with Hurricane Katrina and in 2017 with Hurricanes Harvey, Irma, and Maria, the insurance industry saw significant […]
Public Liability Insurance: Small to Large Sized Business
Public Liability Insurance: Small to Large Sized Business Introduction As an expert in the insurance industry with over a decade of experience at Hotaling Insurance Services, and a nurturing mom of two, I’ve seen firsthand the multitude of challenges businesses and individuals face in safeguarding their assets and operations. From cyber liability to environmental damage, […]
Guide to Burial Insurance for Seniors
Guide to Burial Insurance for Seniors: End-of-Life Planning Introduction The focus on “burial insurance for seniors” stems from a personal journey of over a decade in the insurance industry, particularly with Hotaling Insurance Services. This experience has illuminated the critical yet often overlooked aspect of end-of-life planning: burial insurance. This type of insurance, crucial for […]
Is an Umbrella Policy a Waste of Money? What is an Umbrella Policy
Is an Umbrella Policy a Waste of Money? What is an Umbrella Policy Understanding Umbrella Insurance What is an Umbrella Policy? Umbrella insurance serves as a safety net, providing coverage beyond the limits of your standard insurance policies. Whether you’re a homeowner, auto owner, landlord, or small business owner, an umbrella policy can offer crucial […]
Mounjaro Savings Card: Card Glitches & Solutions
Mounjaro Savings Card 2024: Weight Loss and Diabetes Introduction As someone who’s been navigating the intricacies of diabetes management for over a decade, the emergence of Mounjaro as a promising treatment option has caught my attention. With a career spanning 10 years at Hotaling Insurance Services, I’ve witnessed firsthand the financial and emotional toll diabetes […]
Otto Insurance: Reviews, Rates, Claims, and Customer Service
Otto Insurance: What Sets It Apart? General Overview Otto Insurance and Otto Insurance Group are prominent players in the insurance landscape, but they cater to customers in different ways. Otto Insurance operates as an aggregator, connecting users with top carriers for competitive quotes. Meanwhile, Otto Insurance Group is an independent agency that delivers tailored insurance […]