Liquor Liability Insurance: Bars Clubs and Event Planners
Reading Time: 8 minutesLiquor Liability Insurance: Bars Clubs & Event Planners Introduction Liquor liability insurance is a critical safeguard for any business that sells or serves alcoholic beverages. This type of insurance helps manage risks associated with potential lawsuits and financial losses due to incidents involving alcohol. In the United States, the legal landscape and liability risks can […]
Rob Lasa: Lasa Links Insurance Swings into Hotaling Insurance Services
Reading Time: 2 minutesRob Lasa: Lasa Links Insurance Swings into Hotaling Insurance Services FOR IMMEDIATE RELEASE Media Contact: Gina DiLella gmd@hgfin.net 916-804-6772 Lasa Links Insurance Swings into Hotaling Insurance Services, Tees Up Rob Lasa as Insurance Consultant MIAMI, FL (May 14, 2024) — Lasa Links Insurance, a leading provider of custom insurance solutions, has joined forces […]
Aviation Insurance: Types, Costs, Coverage, and Trends
Reading Time: 8 minutesAviation Insurance: Types, Costs, Coverage, and Emerging Trends Introduction Aviation insurance plays a crucial role in safeguarding businesses, individuals, and service providers involved in the aviation industry. Whether you’re a commercial airline, private pilot, or drone operator, understanding aviation insurance policies and the emerging trends impacting the industry is vital. In this guide, we explore […]
Employee Benefits for Mid-Market Companies: 12 High-Impact Perks With Cost Benchmarks
Reading Time: 4 minutesEmployee Benefits for Mid-Market Companies: 12 High-Impact Perks With Cost Benchmarks Key Takeaways for CFOs and HR Directors Total benefits cost: Mid-market employers (100–500 employees) spend $12,000–$18,000 per employee annually on total benefits — roughly 30–35% of total compensation Health insurance dominates: Group health accounts for 65–70% of total benefits spend. Average employer contribution: $7,200/year […]
Loss History Reports in Homeowners and Renters Insurance
Reading Time: 6 minutesSee also: our guide on dump truck insurance Houston. 10 Essential Things to Know About Loss History Reports in Homeowners and Renters Insurance For related coverage, explore our resources on will my homeowners insurance cover preventative tree and does renters insurance cover bed bugs and. Introduction Understanding loss history reports (also known as loss run […]
Group Term Life Insurance: A Comparative and Future Analysis
Reading Time: 3 minutesGroup Term Life Insurance: A Comparative and Future Analysis Introduction: What is Stop Gap Insurance Coverage? As a seasoned professional with over a decade of experience at Hotaling Insurance Services, I’ve observed an evolving landscape in group term life insurance, driven by international models, legislative changes, and technological advancements. The concept of group term life […]
Why Consider Personal Income Protection?
Reading Time: 5 minutesPersonal Income Protection Insurance: What It Costs, What It Covers, and Why Most Earners Are Exposed Key Takeaways Your income is your most valuable asset: A 35-year-old earning $150,000/year will generate $4.5M+ over their career. A disability that eliminates that income for even 3 years costs $450,000 in lost earnings — more than most homes […]
Vendor Event Insurance: Coverage, Cost, and What Organizers Require
Reading Time: 4 minutesWhat Is Vendor Event Insurance? Vendor event insurance is a general liability policy that protects vendors, exhibitors, and sellers against claims of bodily injury or property damage that occur at events where they operate. Whether you run a food truck at a weekend festival, sell handmade goods at a craft fair, or exhibit products at […]
EPLI Coverage: Supreme Court’s 2024 Decision
Reading Time: 4 minutesHow the Supreme Court’s Decision Reshapes EPLI Coverage Related Resources: nonprofit directors officers insurance You may also find our guide on nonprofit directors officers insurance helpful for additional context. Premium benchmarks vary by region and construction type — our analysis of homeowners insurance costs for a $400,000 home provides current rate ranges by state. Related: […]
Florida Hurricane Season Insurance: Business Preparation Guide
Reading Time: < 1 minuteFlorida’s hurricane season runs June 1 through November 30. Your insurance program’s ability to respond to a hurricane loss depends entirely on what you structured before the storm, not after. Named-storm deductibles, flood exclusions, business interruption waiting periods, and windstorm carveouts all activate differently depending on how the policy was written. For SBA-financed properties, the […]