Content Library

Whether you're a one-person operation or have a firm of 20+ attorneys, our team of professional know the right coverage you should have on your Professional Liability policy. Get started with a thorough cost analysis and quote comparison today!

Understanding the Art of Cybersecurity

The concept of security is not absolute. There is no way anything is ever 100% secure. Today we are going to talk about understanding the art of cybersecurity. Imagine your home, you have a front door, a lock, and an alarm system. You put the sticker on your […]

Cyber Liability Insurance Is No Longer An Option

Cyber liability insurance is a policy designed specifically for data breaches, malicious attacks, ransomware, and many other cybersecurity threats. Here are some examples of important coverages that your business will have when purchasing a Cyber Liability policy: First-party coverages Social Engineering coverage Reputational harm caused to your business […]

The Condo Association Insurance Guide

There is no college course teaching board members how to buy insurance. Most board members follow their predecessors and continue to make the same mistakes when it comes to remarketing their risk with as many agencies as they can. But, using too many agencies is risky and here […]

If An Injured Worker Doesn’t Have Questions, Something’s Not Right

Your employee gets injured. In most cases, the norm is to step into claims management mode. But what about when the employee has no questions? There are two reasons that might be. It’s expected that most injured workers will have questions related to the work comp claim process, […]

Benefits of Choosing Your Company’s Workers Compensation Doctor

Why should you, the employer, choose the doctor your employees see when it comes to workers’ comp claims? Workers comp claims can be a drain on time, energy, and your company’s bottomline. When an employee gets injured, resources are pulled in the form of admin, time off for […]

PEO: Does Your PEO Agent Know What They’re Talking About?

Have you checked if your PEO agent knows what they’re talking about? Are they licensed, insurance professionals? This isn’t a bashing, it’s a wake-up call. Go to Google and try the following: Type in your payroll company’s name followed by PEO and then the word job. No experience […]

Workers Comp: Who Picks The Doctor?

When it comes to an event that is covered by workers’ comp, who gets to choose a doctor, the employer, or the employee? Let’s answer that today. If your employee gets injured on the job, it’s you, the employer or the insurance carrier that has a right to […]

Medical Marijuana and the Workplace

What if an employee has a medical marijuana card? How does that affect your drug-free workplace? According to the latest legislature, an employer does not have to accommodate medical marijuana in the workplace or an employee under the influence of marijuana. The medical marijuana approval in Florida does […]

Waiver of Subrogation: Value vs Risk

A waiver of subrogation clause is placed on a contract to minimize the lawsuits and claims between the parties. The risk, once assigned to the insured parties stops there, without allowing the insurance company to go after any third parties. This guarantees that if the loss occurs, the […]

What is a Waiver of Subrogation?

One of the most important parts of risk management is to review the contract you’re about to sign and that includes a contract’s waiver of subrogation clause. Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens due to someone’s negligence. […]

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Online Bond Application

Frequently Asked Questions

What is E&O/Malpractice/Professional Liability?

A bond in layman's terms is a way to secure a debt.

It is a way of you the consumer, being able to put up a little cost upfront that says “I am letting you borrow this money so as to your agreement to pay the face value of the said bond if ever needed”. In the real world, bonds can be issued by a government, municipality, corporation, federal agency, and other entities.

What does E&O cover?

A surety bond is a contract between three parties. The person who is the recipient of an obligation, the primary party who will perform the contractual obligation and the person who assures the obligation will be done.

What is Defense Outside of Limits coverage?

These bonds are a type of surety bond. They provide a proof and guarantee of ownership to the Department of Motor Vehicles. When no other form of documentation is available a Lost Title Bond shows the DMV that you are the “owner” of said vehicle.

What is First Dollar Defense?

Contractor bonds are one of the most “popular” bonds you will see asked for in the insurance space. Contract bonds are used in the construction industry by general contractors. They are a guarantee to a project’s owner that the general contractor will adhere to the contract put in place.

What is the Fee Suit Exclusion?

These types of bonds function as a guarantee to a government entity that a company will comply with a statute, state law, ordinance, etc.

Some examples are but not limited to:

What is Mutual Choice of Counsel?

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What is Disciplinary Proceeding Defense?

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