Your advocate in reducing the total cost of risk.

Increase awareness of the identified business and insurance trends that are affecting Florida’s business owners. Provide information and insight for these exposures and help business owners navigate the best course of action to reduce the total cost of risk, preventative cost, direct cost, and indirect cost. It is a proven fact that money spent in preventing claims or losses reduces your direct costs by several times the amount you spend. 

Employer Liability From Cell Phone Use

  If you as an employer either provide or encourage through reimbursement the use of cell phones or other wireless technology devices in the conduct of your business, you need to also be aware of the potential liability that such use creates for your company.  As the “deep pocket,” any injury resulting from negligence of an employee while using a cell phone may be vicariously transferred to you through the legal doctrine of “respondeat superior” (master/servant).   When an employee or agent of the employer is held to be negligent while acting within the “scope of the employment,” the employer can be held liable for the negligence of the employee.  According to Flo...

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Rate increase of 8.9% effective January 1, 2012

TALLAHASSEE, Fla.  - Florida Insurance Commissioner Kevin McCarty today announced that he has advised the National Council on Compensation Insurance (NCCI) that he would approve their initial rate increase request of 8.9% to become effective January 1, 2012 for workers’ compensation insurance rates in Florida based on evidence submitted in NCCI's rate filing, and during the October 11th rate hearing.   Commissioner McCarty’s Orderis technically a denial of NCCI's rate filing.  The Office did not accept NCCI’s methodology for input parameters including policyholder dividends, the loading for these dividends, and investment yields. The Office also did not accept specific rate ...

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