Three Things Florida Employers Can Do to Lower Workers Compensation Insurance Rates

18/12/2014By Robert MacoviakWorkers Compensation Insurance

All Florida employers who have four or more employees must provide them with workers compensation insurance. This requirement applies to both full-time and part-time workers. Owners of construction companies must provide coverage as soon as they hire their first employee. Due to the seasonal nature of farming, state law does not require a farmer to offer … Read More

What is Included in a Home Insurance Quote

21/11/2014By Robert MacoviakHome Insurance

Regardless of the type of home you own, there are several areas that every home insurance quote should include. The first is the basic structure of your home. This includes the walls, floors, outer exterior, and roof. The exterior or interior of your home may sustain damage in several ways, including fire, severe weather, and vandalism. … Read More

Home Insurance Quotes Likely to Feel the Heat

05/11/2014By Robert MacoviakHome Insurance

I know you want a fair and accurate home insurance quote. Of course, you do! Everyone does. But sometimes there are changes to the markets that may eventually lead to rising insurance costs down the road: things that cannot always be predicted. Other times, the predictions are made, and you can bet that your premiums are … Read More

Automobile Insurance Know-How for Senior Drivers

02/11/2014By Robert MacoviakAuto Insurance

It pays to do your homework when it comes to purchasing automobile insurance, especially if you have recently become a senior citizen. According to the Centers for Disease Control (CDC), more than thirty-three million Americans over age 65 held a driver’s license in 2009. This figure is 25 percent more than it was just 10 years earlier. The … Read More

Small Business Insurance: Providing Options

21/10/2014By Robert MacoviakBusiness Insurance

This past year, 2014, saw a shift in the area of small business insurance. Due to the passing of the Affordable Care Act, some small businesses dropped group coverage completely, while others scaled back their plans, much to the dismay of their employees. Although the latter may sound less drastic, the truth is that the first … Read More