What is Property Damage Liability?
Reading Time: 4 minutesWhat Is Property Damage Liability? Imagine this: You’re driving through your neighborhood and accidentally hit a parked car. The damage looks expensive. Who’s going to pay for it?If you have property damage liability insurance, your policy does. 🧠 Key Takeaways ✅ Property damage liability (PDL) pays for damages you cause to someone else’s property ✅ […]
Does Liability Insurance Cover Theft?
Reading Time: 4 minutesDoes Liability Insurance Cover Theft? Liability insurance is one of the most commonly misunderstood types of coverage—especially when it comes to theft. If your car, equipment, or even a catalytic converter is stolen, will liability insurance help you recover the loss? The short answer: No. Liability insurance does not cover theft. But there’s a lot […]
Risk Management Blueprint: Safer Growth With Hotaling
Reading Time: 5 minutesTurning Uncertainty Into Advantage: Hotaling’s Practical Playbook Risk management is the ever‑present companion of ambition. The moment a company rolls out a new product, enters a foreign market, or welcomes its first employee, uncertainty steps onto the balance sheet. At Hotaling Insurance Services, we don’t sidestep that uncertainty—we master it. By measuring, financing, and ultimately […]
Hand Insurance for Surgeons and Musicians
Reading Time: 7 minutesProtecting Your Most Valuable Asset: Hand Insurance for Surgeons and Musicians Introduction Hand Insurance is for professionals like surgeons and musicians, hands are not just body parts; they are the very instruments of their trade. An injury or disability affecting the hands can be career-ending, making it imperative to have adequate insurance coverage. Hotaling Insurance […]
Can You Get Life Insurance with High Blood Pressure?
Reading Time: 4 minutesCan You Get Life Insurance with High Blood Pressure? High blood pressure, or hypertension, affects nearly half of U.S. adults. If you’re one of them and you’re applying for life insurance, you might be wondering: Will I qualify? Will my premiums go through the roof? The good news is that yes, you can get life […]
What Is Captive Insurance and Why It Matters for Your Business
Reading Time: 7 minutesWhat Is Captive Insurance & Why It Matters for Your Business Captive insurance is an innovative risk management strategy that lets companies “insure themselves” by creating a licensed insurer solely for covering their own risks. At Hotaling Insurance Services, we believe that understanding what is captive insurance can unlock significant benefits—from cost savings and customized […]
Is Health Insurance a Waste of Money? Employee Expectations
Reading Time: 7 minutesIs Health Insurance a Waste of Money? Employee Expectations Is Health Insurance a Waste of Money? In recent years, conversations around health insurance have intensified. While some argue that paying monthly premiums for coverage that might rarely be used is an unnecessary financial burden, many employees expect health insurance to serve as an essential safety […]
Connelly Case Life Insurance: Policy Change Summary
Reading Time: 6 minutesNavigating the Impact of the Connelly Ruling: A Must-Know Update for Buy/Sell Agreements In an unexpected twist that few predicted, the Supreme Court’s recent Connelly ruling has challenged long-standing beliefs about stock redemption agreements. What was once a settled matter is now under review—specifically whether insurance proceeds should factor into a company’s valuation. This development […]
Is Life Insurance is a Waste of Money? Depends on Your Risk
Reading Time: 5 minutesIs Life Insurance a Waste of Money? 2025 CFO Guide Author: Hotaling Team — licensed insurance advisors specializing in risk management for individuals, families, and businesses nationwide. Life insurance isn’t inherently a waste—but neither is it always efficient. Executives benchmark its IRR, model premiums versus payouts, weigh insurer solvency (e.g., A++, AAA carriers), and build […]
Data Centers: Builders Risk & Workers Compensation
Reading Time: 5 minutesData Centers Risk Management: Builders Risk & Workers Compensation Strategies Data centers are the backbone of the digital age. They process and store critical information that supports businesses around the globe. Today, protecting these facilities is essential. In this guide, we show you how to integrate Builders Risk Insurance and Workers Compensation to safeguard your […]