Vendor Event Insurance: Essential Protection for Planners
Reading Time: 4 minutesVendor Event Insurance: Quality Protection for Planners As an experienced insurance agent with over a decade of dedication at Hotaling Insurance Services and a caring mother of two, I understand the intricacies of safeguarding your passions and professions. Today, we explore the critical need for vendor event insurance, a must-have for every artist, crafter, and […]
EPLI Coverage: Supreme Court’s 2024 Decision
Reading Time: 4 minutesHow 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
Reading Time: 5 minutesFlorida’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
Reading Time: 4 minutesSafeguarding 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
Reading Time: 10 minutes Last Updated: October 20, 2025 | Review Date: October 20, 2025 How to Use Life Insurance While Alive: 8 Proven Strategies for 2025 💡 Quick Insights Bottom Line: Permanent life insurance policies offer multiple ways to access benefits while alive, including cash value withdrawals, policy loans at 6-8% interest, living benefits for medical […]
2024 Hurricane Season: Insurance Effects
Reading Time: 4 minutes2024 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
Reading Time: 6 minutesPublic 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
Reading Time: 6 minutesGuide 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? How much is it?
Reading Time: 8 minutesIs an Umbrella Policy Worth It? Expert Analysis & Real Cost Breakdown Last Updated: September 17, 2025 | Reviewed by Hotaling Insurance Team Quick Insights Box: Umbrella insurance costs $150-$300 annually for $1M coverage but protects millions in assets. Our clients with $500K+ net worth see 15:1 value ratios. Legal settlements averaging $2.3M in 2025 […]
Mounjaro Savings Card: Card Glitches & Solutions
Reading Time: 6 minutesHow to Get and Use the Mounjaro Savings Card in 2025 Updates Expiration Dates: Commercially insured cards valid through December 31, 2025. Cash-pay (non-covered) cards expire June 30, 2025. Supply Durations: 1-month supply: 28 days / 4 pens 2-month supply: 56 days / 8 pens 3-month supply: 84 days / 12 pens Savings Caps & […]