Personal Watercraft Insurance
Reading Time: 7 minutesPersonal Watercraft Insurance: Coverage Options and Requirements Last Updated: October 1, 2025 Quick Insights Box Personal watercraft insurance protects jet ski, Sea-Doo, and WaveRunner owners against liability claims, theft, and physical damage. Most states require minimum liability coverage for motorized PWCs, with optional comprehensive protection available for theft, vandalism, and weather damage. Smart PWC owners […]
How to Get Watercraft Insurance Quotes
Reading Time: 7 minutesHow to Get Watercraft Insurance Quotes: Complete Comparison Guide Last Updated: October 1, 2025 Quick Insights Box Getting accurate watercraft insurance quotes requires providing detailed vessel information, usage patterns, and operator history to experienced marine insurance professionals. Hotaling Insurance Services provides quotes within 24-48 hours from our trusted carrier partners, with instant estimates available for […]
How Gap Insurance Transforms Your Employee Benefits Strategy
Reading Time: 5 minutesHow Gap Insurance Transforms Your Employee Benefits Strategy: A Complete Guide for Employers Last Updated: September 30, 2025 Quick Insights Box Gap insurance is revolutionizing how employers manage rising healthcare costs while maintaining competitive benefits packages. These supplemental plans fill coverage gaps in high-deductible health plans, reducing out-of-pocket expenses for employees by up to 80% […]
How Much Does a PEO Cost?
Reading Time: 6 minutesHow Much Does a PEO Cost? 2025 Pricing Guide with ROI Calculator Quick Cost Estimate: PEO services typically cost 2-12% of gross payroll ($150-$300 per employee monthly). For a 25-employee company averaging $50,000 salaries, expect $75,000-$150,000 annually—often less than the true cost of managing HR internally. “How much will this actually cost us?” It’s the […]
PEO vs Payroll Company
Reading Time: 6 minutesPEO vs Payroll Company: Which HR Solution Is Right for Your Business? Quick Decision Guide: Choose a payroll company if you only need basic payroll processing. Choose a PEO if you want comprehensive HR services, better employee benefits, and compliance protection. Most growing businesses (25+ employees) benefit more from PEO partnerships. The choice between a […]
Key Person Insurance Cost
Reading Time: 5 minutes Key Person Insurance Cost: What Happens When Your $3 Million Moneymaker Walks Out the Door? ⚡ Reality Check: Your top salesperson generates 40% of revenue. Your CTO holds all the technical knowledge. Your COO manages every critical relationship. One unexpected departure could cost your business millions. Key person insurance costs pennies compared to […]
Nursing Home Insurance Crisis 2025: Alternative Solutions Guide
Reading Time: 9 minutesNursing Home Liability Insurance Crisis: How We Can Help Quick Insights Box The senior living insurance market faces unprecedented challenges with liability rates increasing 300%, major carriers exiting, and COVID-related lawsuits creating additional uncertainty. Facilities nationwide struggle to find affordable coverage, forcing many to explore alternative risk management strategies including captives, self-insurance, and risk retention […]
Save Your Business During Economic Uncertainty: A Buy-Sell Agreement
Reading Time: 6 minutesSave Your Business During Economic Uncertainty: A Buy-Sell Agreement Checklist 📋 ⚠️ Critical Alert: 67% of business partnerships fail due to unplanned owner exits. In today’s volatile economy, a funded buy-sell agreement isn’t optional—it’s survival insurance. Three weeks ago, a Houston manufacturing company called us in crisis. One partner had died suddenly, leaving his 50% […]
Builders Risk Insurance and Rising Construction Material Costs
Reading Time: 7 minutesBuilders Risk Insurance and Rising Construction Material Costs Quick Insight: Builders risk insurance covers material theft and damage but requires specific endorsements for price escalations. With materials representing 40-50% of construction costs, proper coverage protects both your inventory and profit margins. Last month, a framing contractor working in The Heights called our office in panic. “Lumber […]
Commercial Fleet Gap Insurance Guide 2025:
Reading Time: 13 minutesCommercial Fleet Gap Insurance Guide 2026: Everything You Need to Know Last Updated: January 28, 2026 | Comprehensive Guide by Hotaling Insurance Team Quick Summary Commercial fleet GAP insurance protects businesses with 75+ vehicles from catastrophic financing gaps by covering the difference between insurance payouts and outstanding loan balances when fleet vehicles are totaled or […]