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Workers’ Compensation Rates Decreasing in 2018: When Will Your Premiums Go Down?

by Anita Byer2/2/2018

Good news for Florida employers! Workers’ compensation insurance premiums are going down in 2018. The Office of Insurance Regulation approved a statewide overall premium decrease of 9.8 percent. This should provide welcome relief, particularly after last year’s 14.5 percent increase. The premium reduction for new and renewal policies started January 1, 2018.


Risk Transfers: Indemnification and Additional Insured Status

by Anita Byer1/16/2018
Proceed at your own risk

Risk allocation involves identifying who is responsible for what and for how much. In some cases, a contract requires one party to assume the liability of another party. These risk transfers are commonly found in construction and landlord/tenant agreements, and are becoming common practice in other industries as well.


Insurance Premiums -- 2018: Following one of the Costliest Catastrophic Years

by Anita Byer1/9/2018

While it is yet too early to know the ultimate cost to the United States property/casualty insurance sector for 2017’s catastrophic losses, experts are in agreement that the storm, fire and flood events could cost US insurers as much as 100 Billion – making 2017 one of the costliest ‘catastrophe’ loss years in US history.

Have Data Security Breaches Become the New Normal?

by Anita Byer11/17/2017

It has gotten to the point where we can barely keep up with all the data security breaches. We are no longer surprised to hear that another data breach exposed the sensitive personal information exposed of thousands (or millions!) of people. What’s worse is that many of us are no longer concerned. We have become complacent.


Florida’s Amended Estoppel Certificate Statute: Is Your Condominium Association Compliant?

by Anita Byer11/9/2017

The ability to efficiently buy and sell units is the hallmark of a healthy condominium community. The association’s role in this process has long been to issue estoppel certificates to prospective purchasers. However, pursuant to a recent statutory amendment, the manner in which associations are required to handle estoppel certificates has changed.


Florida’s Minimum Wage Will Be Going Up In 2018

by Anita Byer11/1/2017

On January 1, 2018, Florida’s minimum wage will be going up fifteen cents to $8.25 per hour. The minimum wage for tipped employees, which is in addition to tips, is also going up fifteen cents to $5.23 per hour. The Florida Minimum Wage Act, which is the result of a 2004 voter-approved amendment to the Florida Constitution, applies to those employees entitled to receive the federal minimum wage under the Fair Labor Standards Act.


Lessons from Hurricane Irma

by Anita Byer10/18/2017

Hurricane Irma was an unprecedented storm that affected literally everyone in Florida. Most of us were either expecting or experiencing a direct hit. All of us were given at least a glancing blow. Even though the mess remains and recovery efforts are ongoing, it’s not too soon to share what we learned from Hurricane Irma.


Are the New White-Collar Overtime Exemption Rules Finally Dead?

by Anita Byer10/4/2017
white-collar-overtime exemption

Can you believe it’s been nearly three and a half years since President Obama first directed the Secretary of Labor to update the white-collar overtime exemption regulations? Since then, employers endured the uncertainty of not knowing if, when or how they would be affected by the new overtime rules.


Does Florida's Hurricane Irma Emergency Order Affect You?

by Setnor Byer Insurance & Risk9/22/2017

Hurricane Irma was as big as it was powerful. After making landfall in the Florida Keys, Irma continued on a path of destruction across the entire state. Irma left an unprecedented number of Floridians with storm-related residential property damage. This means a lot of you need to know about the Emergency Order issued by Florida’s Insurance Commissioner.  


Does Florida’s New Website Requirement Apply to Your Condo Association?

by Anita Byer8/28/2017

Are you ready for www.InsertYourCondoHere.com? Thanks to a recent statutory amendment, if your condominium association has 150 or more units, you need to start getting ready.


Planning a Road Trip Before Summer Ends? Stay Safe with These Tips

by Anita Byer8/15/2017

The end of summer may be coming, but it’s not here yet. If you’re planning one last road trip before the kids go back to school, we have some of advice for you. Have fun and stay safe!


Are You Ready for the 2017 Hurricane Season?

by Anita Byer5/26/2017

It’s that time of year again. If you live or work in the Atlantic hurricane region, it’s hard to forget that hurricane season officially starts June 1st. The beginning of hurricane season, which runs through November 30th, is not a time for panic. Instead, it’s a time to finalize the plans and protective measures that will be needed if a storm is coming your way.


Does Homeowners’ Insurance Protect Airbnb and other Home-Sharing Hosts?

by Anita Byer4/19/2017

Most of us don’t care whether homeowners’ insurance covers claims caused by renters. After all, how many people actually rent their homes to strangers? As it turns out, a lot of people do. Home-sharing services have turned a growing number of ordinary homeowners into part-time innkeepers.


Up In Smoke? Clearing the Workplace Haze of Medical Marijuana

by Anita Byer4/6/2017

Marijuana, the most commonly used illicit drug in America at home and in the workplace, is earning respect from mainstream citizens who support its 'legalized' use for medical reasons. If estimates are true, and millions of workers are stoned on the job, the question and concern is: how many of these users will move to legitimize their use of the drug, on the job, and what impact will its use have on the productivity and quality of the American worker.


How Can You Limit the Damage Caused by Identity Theft?

by Anita Byer3/20/2017

What’s worse than filing your taxes? Finding out that your return was already filed and your refund check was already cashed. Yep, that’s definitely worse. Unfortunately, tax season has become the time of year when many first discover that their identities have been stolen.


Does Homeowners' Insurance Cover Damage Caused by a Meteorite?

by Anita Byer3/9/2017

Nearly 95 percent of homeowners have some form of homeowners’ insurance. Most have a basic understanding about their insurance policies. But, a survey by the Insurance Information Institute revealed that many homeowners have significant knowledge gaps about what is and what is not covered by a standard homeowner’s insurance policy. As you might imagine, these gaps can be very costly.


Are Transportation Network Companies Putting You at Über-Risk on the Roads?

by Anita Byer2/23/2017

Have you ever heard of a Transportation Network Company or TNC? If you don’t think you have, think again. Uber, Lyft and Sidecar are all TNCs that arrange transportation for a fee using technology platforms like mobile apps and websites. Given their relative infancy, TNCs are experiencing some growing pains, particularly when it comes to insurance.


The Affordable Care Act: What Does President Trump’s Executive Order Mean for Employers?

by Anita Byer2/6/2017

It wasn’t long before campaign promises to repeal Obamacare became official White House policy. On his first day in office, President Trump issued an Executive Order stating that “it is the policy of my Administration to seek the prompt repeal of the Patient Protection and Affordable Care Act.” This clearly marks the beginning of a long period of uncertainty about the future of Obamacare. What isn’t so clear is how the President’s Executive Order will affect employers.


Keep Conflicts of Interest Out of the Condominium Association Board Room

by Anita Byer1/26/2017

Condominium board members are required by law to act in the best interests of the association and the unit owners. Unfortunately, this duty of loyalty can be compromised by conflicts of interest. Even the appearance of conflicting interests can cause unit owners to lose faith and trust in the board. This cannot happen.


Save Money on Homeowners' Insurance with Wind Mitigation Credits

by Anita Byer1/19/2017

Did you know that 15 to 70 percent of your homeowners’ insurance premium can be attributed to the risk of wind damage? Taking steps to prevent or reduce wind damage is known as wind mitigation. These steps can save your home from catastrophic storm damage. They can also save you money. In some cases, wind mitigation credits can reduce the wind-specific portion of a homeowners’ insurance premium by more than 50 percent.


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