Search
Close this search box.

Blog

The latest insurance articles, insight, and news from Schneider and Associates Insurance Agencies.

As Home Insurance Rates Rise, some customers may get some help

Our agency recently received a notification that Citizens Property Insurance Customers could get some premium assistance through a pilot program called the Homeowner Assistance Fund (HAF).  Although the program is noted to be assisting those that are in financial hardship due to COVID-19, I speculate that this is due to

Read More »

Homeowners Associations (HOAs) and Crime Coverage in Florida

Members on the board of a Homeowners Association have many responsibilities and managing the insurance for the association is one of them. Did you know that in Florida Homeowners Associations (HOAs) are required to maintain crime insurance or what is known as a fidelity or crime bond? Fidelity bonds help

Read More »

A Checklist for our Snowbirds

Your heading back up north for the summer.  I get it.  You want to avoid the harsh summer heat and the hurricane threats that come with Florida summers.  However, your home isn’t going anywhere.  It will have to bear the humidity, the heat, the high winds and the torrential rain

Read More »

What is a Reciprocal Insurance Exchange Company?

Recently one of our Partner Companies, Tower Hill Insurance Group, started a new insurance company called Tower Hill Insurance Exchange.  The plan is to transition their current customers from Tower Hill Signature and Tower Hill Preferred to this new company. Why? There are three main reasons that they are doing

Read More »

Workers Compensation Credits

Did you know that you could qualify for Credits on your Workers Compensation policy? The 2 most common types of credits are Safety Credits 2% credit Is there someone who can help me to establish a Safety Plan for my business? (Reference, Florida Dept of Financial Services website) Drug Free

Read More »

Benefits of a Commercial Package Policy vs. a Business Owners Policy

Businesses typically need general liability and property insurance, so many business owners opt in when presented with a business owners program (BOP). It’s straightforward and offers bundled discounts, but it doesn’t provide much wiggle room. Like a “no substitutions” lunch special, you take what you get and find yourself dressing

Read More »

Does Your Property Have an Attractive Nuisance?

Do you have any of the following in your yard? If there’s a risky situation on your property and you don’t take action, you can be liable for injuries even to uninvited visitors. Check your liability insurance policy to make sure you have the sufficient coverage for the attractive nuisances

Read More »

Trucking Insurance – Coverages to consider

Trucking companies typically need several types of insurance coverage to protect themselves, their employees, and their cargo. Some of the most important types of insurance for a trucking company to have include: It is important for trucking companies to work with a knowledgeable insurance agent or broker who can help

Read More »

Contractors Insurance – What Coverages Do You Need?

Contractors typically need several types of insurance coverage to protect themselves and their businesses from potential risks and liabilities. Some of the most common types of insurance that contractors may need include: The specific insurance needs of a contractor may vary depending on the nature of their business and the

Read More »

How Much Life Insurance Do You Need?

The amount of life insurance you need depends on several factors, including your current financial situation, your future financial obligations, and your family’s needs. To get a rough estimate of the amount of life insurance you need, you can consider the following: It’s important to speak with a financial advisor

Read More »

How Much Does Restaurant Insurance Cost?

Running a restaurant comes with many challenges. In addition to providing great food and service, restaurant owners also must think about protecting the business. Accidents, injuries, storms, or other issues can unexpectedly cause expensive damage or legal problems. Without enough insurance, even one big claim could force a serious restaurant

Read More »

What Does General Liability Insurance Cover for Contractors

If you work as a home remodeler or construction contractor, then general liability or contractor insurance or liability insurance for contractors is very important. It protects your business from financial losses if accidents happen on job sites. General liability contractor insurance, also called commercial general liability (CGL) insurance for contractors,

Read More »

Why Should Truckers Invest in Occupational Accident Insurance?

No day is ever the same on America’s open roads. One moment, you’re coasting along smoothly, watching the scenery pass by, and the next, an unexpected hazard abruptly changes your course. For long-haul truckers, unpredictable challenges are an inevitable part of the job. While the thrill of adventures, hidden dangers

Read More »

Understanding Your Small Business Liability Insurance Cost

As a small business owner, understanding your small business liability insurance cost is essential for safeguarding your investment and ensuring the financial stability of your enterprise. With various factors influencing the cost of liability insurance, it’s crucial to have a comprehensive understanding of how these costs are determined and how

Read More »

Essential Coverage Tips for Property Manager Insurance

As a property manager, safeguarding your business is vital. But with so many potential risks and liabilities, it can be challenging to ensure you have the right insurance coverage. In this guide, we’ll help you navigate the complexities of property manager insurance and highlight the essential coverages and strategies for

Read More »

What Business Restaurant Insurance Policy?

Operating a restaurant comes with significant risks that can threaten the financial stability of the small business itself. Between the dangers of a foodborne illness, illnesses contaminated food itself, equipment malfunctions, food contamination, customer accidents, and employee injuries; unforeseen losses are an unfortunate reality for many food service establishments. While

Read More »