Accounts Receivable Insurance: Protecting Your Cash Flow From Bad Debt
Reading Time: 4 minutesKey Takeaways: Accounts Receivable Insurance What it covers: Protects your business against financial loss when customers fail to pay invoices — also called trade credit insurance or credit risk insurance Who needs it: Any B2B company that extends payment terms (net 30, 60, 90) to customers, especially those with concentrated customer risk where one default […]
Special Event Insurance: Coverage & Cost for Parties, Festivals & Corporate Events
Reading Time: 2 minutesSpecial event insurance is a short-term liability policy that covers bodily injury, property damage, and other claims arising from a specific event — a corporate party, holiday gathering, festival, fundraiser, or wedding reception. Most venues, parks, and event spaces require proof of event liability insurance before they’ll book your date. Our nonprofit insurance guide covers […]
Houston Home Insurance: Choosing the Right Coverage for Harris County Properties
Reading Time: 6 minutesHouston home insurance costs more than the Texas average because the metro faces hurricane wind, widespread flood exposure, and elevated claim frequency, with flood coverage requiring a separate policy that standard homeowners insurance never includes. Houston homeowners switching policies mid-term should understand getting a refund when you change homeowners insurance to ensure they recover unused […]
Florida Commercial Insurance: Coverage for South Florida Businesses
Reading Time: < 1 minuteFlorida’s commercial insurance market operates under conditions unlike any other state: six months of hurricane exposure, flood zones covering most of the buildable land, a litigation environment driving auto and liability premiums above national averages, and a property market where carrier exits have left fewer options and higher prices. Companies with commercial vehicles should review […]
Don’t Wait. Start Your Home Inventory Today
Reading Time: 4 minutesHome Inventory for Insurance: Why Documenting Your Assets Is the Difference Between a Full Payout and a Fight Key Takeaways 59% of homeowners are underinsured: CoreLogic estimates the average underinsurance gap at $78,000 — largely because policyholders don’t know what they own or what it would cost to replace Undocumented claims settle for 30-50% less: […]
27th Annual Gala Event – Long Island
Reading Time: 2 minutesReading Time: 2 minutes Long Island Insurance Community Gives Back, Raises $250,000 for Charity at 27th Annual Gala Event COMMUNITY, CHARITY & CAUSE BY CHRIS BOYLE PUBLISHED: OCTOBER 02 2023 The 27th Annual Gala at The Mansion at Oyster Bay raised $250,000 to benefit United Way of Long Island, the Holocaust Memorial and Tolerance Center of Nassau […]
Commercial Property Insurance Costs: Why Rates Are Rising and How to Manage Them
Reading Time: 2 minutesCommercial property insurance costs have increased 10-20% annually since 2022, driven by catastrophic weather losses, rising construction costs (replacement values up 30-40%), and a reinsurance market passing higher costs to primary carriers. For property owners, the premium increase at renewal is often the most visible line-item shock in the entire insurance program. For SBA-financed properties, […]
Cyber Insurance for Casinos: Protecting Gaming Operations From Digital Threats
Reading Time: < 1 minuteCasinos and gaming operations are high-value cyber targets. They process millions in credit card transactions, store patron PII, and run networked systems controlling everything from slot machines to hotel reservations. A single data breach can expose hundreds of thousands of patron records and trigger PCI-DSS fines, state notification requirements, and class-action lawsuits. Cyber insurance for […]
How Much Is Flood Insurance in Houston? 2026 Cost Breakdown
Reading Time: 3 minutesAbout the cost figures and examples in this article: Any premium ranges, cost figures, or pricing factors discussed here are general market estimates drawn from publicly available industry data and are provided for educational context only. They are not quotes, offers, or guarantees of cost, and they do not reflect the price Hotaling Insurance Services […]
Private Client Services
Reading Time: 21 minutesKey Takeaways High-Net-Worth Coverage Gaps: Standard homeowners and auto policies cap at $300K-$500K in liability — one serious claim can wipe out assets that took decades to build Replacement Cost Protection: Guaranteed replacement cost on homes, scheduled coverage on collections, and agreed-value on vehicles prevent underinsurance on high-value assets Umbrella Minimums: We typically recommend $5M-$10M […]