The Answers to the Most Common “What If” Questions we get in Insurance.   I know many people think that insurance is a dull industry. At times when consumed by paperwork, I think the same thing. But the truth is insurance revolves around drama. Every day our agents are dealing ..read more

Protecting your Property During Tourist Season Tourist season is almost here and with that comes increased traffic, noise, and mischief from those visiting. Destin has a thriving rental market with 6,100 active short-term rentals in Destin, almost equaling the number of households here at 6,400. There has been a 15.10% increase in the ..read more

What to Expect With Insurance and Rates in 2024 As I forecast insurance for 2024, I’m trying to have cautious optimism as preliminary trends are showing positive trends.  We as agents and customers are ready for the mess to be over and arrive on the other side with a stable insurance market.  We’ve been in a hard market for about six years where insurance companies were leaving the state, and the remaining companies passed their financial burden over to customers by ..read more

Great news for businesses in Florida!  The Florida Insuranece Commissioner approved an overall rate decrease of 15.1% starting on January 1st 2024.[1] Over the past 20 years, Florida has seen an over 50% reduction rate in workers compensation.  This decline has been influenced by a multitude of factors, reflecting both economic shifts, medical innovation,  and legislative changes impacting the compensation landscape for businesses and employees. Historic Trends in Workers Compensation In the early 2000s, Florida experienced a surge in workers' compensation rates due to increased ..read more

Can all Insurance Agents provide Commercial Trucking Insurance? Imagine if a new 16-year-old driver, just learning how to maneuver their little hybrid, got behind the wheel of 10-ton dump truck? The scene would look more like a monster truck rally, with all the cars in proximity being run over by ..read more

Our family’s recent experience with life insurance The past three months our family has put to rest not just one, but two fathers. While both have been emotionally devastating, the financial impacts are very different. The first father, an insurance agent, had adequate life insurance funds to choose his ..read more

4 Tips to Navigating Tragedy as a Business Owner Our office staff have been together for decads now. We’ve been there for each other while raising kids and now while we’re facing some harsher realities of aging. In the past few years, together we’ve seen the loss of ..read more

Mountain biking is not for beginners. When I was younger I went mountain biking and Colorado. I thought I was skilled but quickly discovered I was out of my element on the unfamiliar steep climbs and sharp drops and my naivete showed right away when I didn’t know bikes ..read more

3 Ways to Spot a Good (or Bad) Insurance Agency   With insurance agencies being around every corner and ads popping up on Google, how do you know who you can trust with your great financial investments? Google reviews can be misleading or even missing in many cases and don’t ..read more

The insurance market in Florida is continuing to see turmoil and challenges, which will likely continue into 2023. Here are the primary drivers of what is causing the increase in insurance rates:   The industry as a whole was battered with nearly $700 million net loss in 2021 Over a two year period ..read more