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!

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. […]

5 Reasons Why Your Business Needs An Incidence Response Plan

Every organization that stores or handles data is at risk of a cyber-attack. As technology advances, companies are collecting, storing, and transferring more personal information about their customers and employees than ever before. This not only puts a target on your business back, but it also means that […]

Safety Culture: How to get your employees to care

So you finally implemented a safety culture in your company, but now the question is, “how do I get my employees to care?” You can motivate your employees to care about safety by tying it directly to their compensation or incentives. Reward employees who err on the side […]

The Importance of Building a Safety Culture

One of the ways we help you move your business from danger to a safe place is by making sure that you have the right safety culture within your company. Now, of course, having the right safety culture is important to you, but is it to your employees? […]

Manufacturers E&O: Here’s Why You Need It

Consider the following scenario. A customer asks your company to manufacture a part to certain specifications as were outlined in the contract. He then needs to add that part to his product so he can send that product to his customers by a set deadline. Your company then […]

4 Benefits of Product Liability Insurance

Your customers expect you to have safe and reliable products, and failing to meet these expectations can lead to huge financial losses. If one of your products harms the customer in any way, they can sue your business leading to costly legal fees and settlements. These costs can […]

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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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