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Insurance 101: Do You Need Longshore and Harbor Workers’ Compensation Insurance?

by Anita Byer8/1/2018

Did you know that longshoremen aren’t the only employees covered by the Longshore and Harbor Workers' Compensation Act? If you didn’t, you’re not alone. Identifying who is covered by the Longshore Act isn’t always easy. This can be a huge problem because violations of the Longshore Act’s compensation requirements can result in criminal prosecution, fines and imprisonment. Corporate officers can also be prosecuted individually and held personally liable.

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Condominium Associations Must Go Green Under Florida’s New EV Charging Station Law

by Anita Byer7/10/2018
electric-car

Do unit owners have the right to install electric vehicle (EV) charging stations in their reserved parking spaces? In the past, Florida condominium associations essentially had the power to answer this question as they saw fit. Not anymore.

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Isn’t It Time for Your Annual Homeowners’ Insurance Check Up?

by Anita Byer6/30/2018

How long has it been since you reviewed your homeowners’ insurance coverage? For most of us, it’s been too long. We just keep renewing the same policy we purchased years ago. After all, if it was good enough then it should be good enough now, right? Probably not.

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Are You Prepared for Hurricane Season (2018th ed.)? It Only Takes One!

by Anita Byer6/20/2018

And…. we’re off! Everyone knows that the 2018 Atlantic Hurricane Season officially began on June 1st. Well, everyone but Alberto, the subtropical storm that became the first named storm of the season on May 25th. Nevertheless, this is the time of year when we remind you, yes again, that the start 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.

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Workers’ Compensation 101: What Does Employers Liability Insurance Cover?

by Anita Byer6/13/2018

Did you know that a standard workers’ compensation insurance policy has more than one part? It’s true, check for yourself. Part One Workers Compensation Insurance provides indemnity and medical benefits that employers are legally required to provide employees who are injured on the job. You probably knew that already.

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Is That REALLY a Service Animal?

by Anita Byer5/7/2018
service-dog

Are you ready to RRRUUMMMBLE? In this corner, we have a “No Pets Allowed” policy. And, in this corner, we have a patron with a service animal. Who wins? The answer is important because a number of laws protect individuals with disabilities, including the Americans with Disabilities Act. To avoid costly violations, businesses (and their employees!) need to know how to deal with service animals.

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Fair Labor Standards Act: Wage & Hour Law Update

by Anita Byer4/30/2018
flsa-wage-hour-update

What is the most recent development involving Fair Labor Standards Act? Here’s a hint. It’s not the highly-publicized rise and fall of those new white-collar overtime exemption regulations. In fact, quite a bit has happened since the Department of Labor officially abandoned its fight for new white-collar regulations in late 2017.

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Do You Know What Homeowner’s Insurance Covers…and What It Doesn’t?

by Anita Byer4/5/2018
homeowners-insurance-coverage-blog

Many of us will remember 2017 as the year of natural disasters. Even if you weren’t in the path of a coming storm or a spreading wildfire, you probably knew someone who was. It was a year of hurricanes, wildfires, flooding and severe weather. Economic losses resulting from weather disasters totaled $344 billion, making 2017 the costliest year ever.

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Yahoo Data Breach Settlement Highlights Importance of Data Security and Cyber Liability

by Anita Byer3/29/2018

An inconvenient truth. That’s how a growing number of us view data security breaches. There are victims and soon-to-be-victims. However, despite the seemingly endless stream of data breaches, organizations cannot afford to take a passive approach to data security and cyber threats. Just ask Yahoo!

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Social Engineering Fraud: What is It?

by Anita Byer3/29/2018

Social Engineering Fraud is the process through trick or scheme of gaining the confience of someone, and inducing them to part with money or something valuable.

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8 Ways to Protect Your Home from Flooding

by Anita Byer3/14/2018

Flooding has become a serious threat to both coastal and inland areas, especially in Florida. Learn 8 important ways to protect your home for flooding.

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

by Anita Byer2/2/2018
workers-compensation-premiums

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.

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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.

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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.
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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.

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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.

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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.

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Lessons from Hurricane Irma

by Anita Byer10/18/2017
flood-water-storm-surge

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.

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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.

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Does Florida's Hurricane Irma Emergency Order Affect You?

by Setnor Byer Insurance & Risk9/22/2017
hurricane-irma-damage-insurance

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.  

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