Commercial Insurance Solutions for your Business Every business that operates in the United States needs some sort of insurance. Some types of commercial insurance are required by State law; an example would be the Florida statute requiring non-construction companies with 4 or more employees, and construction companies with 1 or more employees to have workers compensation insurance. Other types of insurance are required by contractual obligation, an example of...

What is the difference between Commercial General Liability Insurance and Marine General Liability Insurance? Marine companies need general liability insurance, but they need to make sure that they have Marine General Liability Insurance. The main difference between Commercial General Liability Insurance and Marine General Liability Insurance is the CGL policy usually has an exclusion for “Boats in the Insured Company’s Care, Custody or Control”....

Hurricane and Windstorm Insurance and Risk Management in South Florida Living in Florida, hurricanes and insurance are two topics that are on the news on a daily basis. Hurricanes and insurance go hand-in-hand. Hurricanes and windstorm related damage accounts for a large amount of the claims expenses which the insurance industry pays out on their policies, and hurricanes are the main concern for many homeowners and business owners when they purchase insurance. In...

Construction insurance includes property insurance, liability insurance, car insurance and workers compensation insurance for artisan and general contractors in the construction industry. Construction insurance also includes builders risk insurance, construction bonds and surety bonds and crime and fidelity insurance. Construction insurance is not just insurance for builders and general contractors. Construction insurance is necessary providing insurance for Air...

Restaurant business insurance should include more than just commercial general liability insurance, business property insurance and workers compensation insurance. Many restaurant’s business operations include risks that need their own restaurant business insurance coverage including, but not limited to, liquor sales, food delivery, catering and special events, private label food sales and valet parking. Other restaurant’s operations require specialize...

ALC Risk Solutions, Inc based in Miami, Florida. ALC Risk Solutions is an affiliate of JFIA Boca, an Independent Nationwide Insurance Agency.Internet Risk Specialist provides insurance and risk management solutions for technology companies, and non-technology companies looking to manage their technology and cyber risks.Andrew Cohn is the founder of ALC Risk Solutions and Internet Risk Specialist. Andrew has been published by The Insurance Journal and Website...

Nationwide Insurance is available in Miami, Florida thanks to ALC Risk Solutions. Everyone sees the commercials and knows the slogan, “Nationwide is on Your Side”. But, Nationwide has not always been easily accessible in Miami. But, now car owners and business owners can get Nationwide Insurance in Miami, Florida Nationwide Insurance is headquartered in Des Moines, IA, and is rated A+ Superior XV by AM Best, which means that they have over $2 billion in...

What is Personal Insurance All insurance is pretty personal. They ask you your name, address, contact information, social security, date of birth and much more, but when we talk about personal insurance, we mean as opposed to commercial insurance. Personal insurance includes all of the insurance you purchase for you and your family individually, not through your company, or organizations you are involved in. Personal property and casualty insurance, or...