News & Resources

While any type of disability insurance policy can provide valuable support when a physical or mental condition prevents you from working, there are vast differences between disability policies purchased individually and policies governed by ERISA that are provided through an employer. In particular, you need to be aware of the differences in the laws that govern these policies, the deadlines for claims and appeals, and the legal remedies that can be used if a claim […]

Summer in South Florida often falls into a hypnotic pattern centered on enjoying the water and avoiding the midday heat. Schools are out, and there’s a vacation mindset for locals as well as tourists. Chores get pushed back until sometime later. It can be a lazy season. But the tranquility of summer rests on a fault that could lead to disaster at any time. Hurricane season starts right after Memorial Day and continues until the […]

Insurance companies have several obligations to policyholders. While the specific obligations vary according to the type of policy and terms in that policy, in many cases, insurance companies owe a duty to defend you in court if you’ve been sued due to injuries, breach of contract, malpractice, or other issues. In addition to defending you, the companies have a duty to indemnify you, or pay judgments issued against you due to a covered issue. When […]

Condominium associations have unique obligations and operate with motivations that are often in conflict. Members of the association want to protect their own investments and further their personal management goals, yet they are also charged with acting in the best interests of all owners. There is pressure to keep costs down, and yet associations are required to maintain safe premises. This often leads to additional conflicts. When a condo association hires a professional property manager, […]

Florida has consistently been known for having some of the highest auto insurance rates in the U.S. In some states, elevated car insurance rates have been attributed to the high cost of living, excessive theft, or even wildlife collisions. In Florida, the high rates have been blamed on insurance fraud and litigation, as well as hurricane risks and an unusually high percentage of uninsured drivers. Lawmakers have been trying to change auto insurance requirements and […]

Unfortunately, it is becoming increasingly common for insurance companies to undervalue damage to both residential and commercial property when owners file a claim. When that happens, property owners have three options, only two of which make sense, in our opinion. The first option is to accept the inappropriately low amount offered by the insurance company and later complain about it online. While the complaints may provide some emotional outlet, they offer no help whatsoever toward making […]

AI is being used in new ways all the time. What started as a tool hidden within other functions is now routinely used to generate written copy, make decisions, and complete other critical tasks across all types of businesses. When the use of AI is perceived to have caused a problem, the companies that rely on it can be sued. These companies often assume that their commercial general liability (CGL) policy will cover them. This […]

Individuals and businesses purchase insurance to protect against a wide array of risks and potential losses. Protection from liability is a significant concern, but there are also losses due to theft, vandalism, fire, construction defects, storm damage, vehicle accidents, disability, and other issues. Then there are losses stemming from these problems, such as the interruption of business operations. The various potential losses may be covered under different policies, each with its own terms. The terms […]

Companies of all types are saving considerable sums of money by converting from paper to digital document systems. This type of system seems efficient because documents can be searched electronically and retrieved from multiple locations. But electronic processing and storage have their drawbacks, too, and the problems can manifest in unexpected ways, particularly with the increased reliance on AI. If your insurance company is delaying action on a claim or disputing your right to appropriate […]

If you’ve insured valuable personal property such as your car, boat, or a prized collectible, your insurance policy puts a limit on the value of the insured item. For vehicles, the policy may specify that a car is insured for the actual cash value at the time just before it was damaged. Certain property, such as artwork or jewelry, might be insured for a particular cash amount. Sometimes the property insured is worth much more […]