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 […]
Miami Homeowners Insurance 2026: Why Premiums Surged 45% and How to Pay Less
Reading Time: 5 minutesMiami Homeowners Insurance 2026: Why Premiums Surged 45%, What Coverage You Actually Need, and How to Pay Less Key Takeaways for Miami Homeowners Average Miami premium 2026: $10,996/year — nearly 3× the national average of $2,377, up 45% since 2022 Why Florida is the most expensive state: Hurricane exposure, carrier insolvencies (6 Florida-only carriers failed […]
Cyber Crime Insurance: A Case Study in Employee Theft and Digital Fraud
Reading Time: < 1 minuteCyber crime insurance, also called commercial crime coverage, protects businesses against financial losses from employee theft, social engineering fraud, funds transfer fraud, and digital embezzlement. Unlike cyber liability insurance (which covers data breaches and third-party claims), crime insurance covers first-party financial losses when someone steals money from the business directly. Our guide to media liability […]
NYC Renters Insurance: 2026 Cost Guide for New York City Apartments
Reading Time: 5 minutesKey Takeaways: NYC Renters Insurance Average cost: $15-$25/month in NYC ($180-$300/year) for a standard $30,000 personal property / $100,000 liability policy Not required by law: No New York state or city law mandates renters insurance, but an increasing number of NYC landlords and management companies require it in the lease What it covers: Personal property […]
Houston Energy Insurance 2026: Coverage, Cost, and Strait of Hormuz Impact
Reading Time: 4 minutesHouston Energy Insurance 2026: Coverage, Cost, and Why Strait of Hormuz Tensions Changed Everything for Oil and Gas Operators Key Takeaways for Houston Energy Operators Energy insurance premiums rose 15–25% in 2026: Driven by Strait of Hormuz tensions, rising reinsurance costs, and nuclear verdict exposure in Harris County GL cost for oilfield contractors: $15,000–$150,000+/year depending […]