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Atlantic Pacific Insurance, Announces Appointment With Nationwide/Allied Insurance.

April 11, 2012

 

April 5, 2012 – Palm Beach Gardens, FL – Atlantic Pacific Insurance, Inc. is pleased to announce its appointment with Nationwide/Allied Insurance.

 

“This appointment enables Atlantic Pacific Insurance to offer Nationwide’s array of personal, commercial, and life/financial products to our clients products to our clients at all of our five offices,” said Matt Peace, President of Atlantic Pacific Insurance. “This is especially good news for clients in the Florida Keys and in Belle Glade, as Nationwide does not have a local office in those areas,” he added.

Founded in 1981, Atlantic Pacific Insurance is a full service insurance agency that offers auto, property, business, and life insurance. The licensed staff of Atlantic Pacific Insurance is ready to consult with you and show you how our policy review process identifies coverage gaps and savings opportunities you may not be aware of. 

We have locations in Palm Beach Gardens, Belle Glade, Stuart, Big Pine Key, and Key West. The staff at Atlantic Pacific Insurance invites you to call (800-538-0487) or stop by our office for a review of your current policies and a free quote. For more information, please visit our website www.apins.com.

 

Employment Practices Liability Insurance – Why Your Company Needs It

August 5, 2011
 

An unfortunate reality in business today is that as economy declines, the number of Employment Practices claims increase.

 

Employment Practices Liability Insurance (EPLI) is a form of liability insurance that businesses of all sizes should consider. It provides an employer protection against claims made by employees, former employees, and even potential employees.  EPLI covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. EPLI will cover your firm, as well as its Directors and Officers.

 

The common perception is that EPLI is only needed by large companies. Statistically, firms with 15-100 employees actually experience over 40% of all EPLI claims.

 

We recommend that every business consider the benefits of EPLI coverage, before an employment claim is made or a lawsuit is brought against your company.


 

Flood Insurance - Are You Prepared?

FloodSmart.gov
April 27, 2011
 

Educate Yourself

 

After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family's safety.

 

1. Safeguard your possessions.
Create a personal flood file containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

  • A copy of your insurance policies with your agents contact information.
  • Conduct a household inventory: For insurance purposes, be sure to keep a written and visual (i.e., videotaped or photographed) record of all major household items and valuables, even those stored in basements, attics or garages. Create files that include serial numbers and store receipts for major appliances and electronics. Have jewelry and artwork appraised. These documents are critically important when filing insurance claims. For more information visit www.knowyourstuff.org.
  • Copies of all other critical documents, including finance records or receipts of major purchases.

 

2. Prepare your house.
 

  • First make sure your sump pump is working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let you know if water is accumulating in your basement.
  • Clear debris from gutters and downspouts.
  • Anchor any fuel tanks.
  • Raise your electrical components (switches, sockets, circuit breakers, and wiring) at least 12 inches above your home's projected flood elevation.
  • Place the furnace, water heater, washer, and dryer on cement blocks at least 12 inches above the projected flood elevation.
  • Move furniture, valuables, and important documents to a safe place.

 

3. Develop a family emergency plan.
 

  • Create a safety kit with drinking water, canned food, first aid, blankets, a radio, and a flashlight.
  • Post emergency telephone numbers by the phone and teach your children how to dial 911.
  • Plan and practice a flood evacuation route with your family. Know safe routes from home, work, and school that are on higher ground.
  • Ask an out-of-state relative or friend to be your emergency family contact.
  • Have a plan to protect your pets.

 

For more information on emergency preparation, talk to your insurance agent or visit Ready.gov.

Stay Safe During a Flood >>

Learn your risk, and find an agent, by taking Your Risk Profile.


Three ways the Florida Legislature could raise your property insurance premiums

Sun-Sentinel
April 19, 2011

 

Lawmakers in Tallahassee are seriously considering three bills that could raise your property insurance premiums.

 

The bills are intended to reduce fraudulent or inflated claims, draw new insurers to the state and strengthen the insurance market. State records released this week showed hefty contributions from insurers to state political campaigns, but legislators said they're not influenced by the money.

 

Some legislators have questioned provisions as the bills moved through legislative committees.

 

"At what point do we recognize that there are people out there who are struggling that can no longer afford these increased premiums, fees, taxes, whatever you want to call them?" asked Sen. Mike Fasano, R-New Port Richey, recently.

 

Consumers pay for advertising

 

Two measures would effectively allow insurers to raise home insurance rates to cover higher advertising and agent commission costs without oversight from regulators. In 2008, the Office of Insurance denied State Farm's rate hike request in part because it found the company didn't need to spend more for marketing when it hadn't sold new Florida policies in years.

 

The Senate bill, SB 408, also allows insurers to charge as much as they want for sinkhole coverage and to drop full sinkhole coverage.

 

The House version, HB 803, allows insurers to withhold part of homeowners' claims payments until repairs are made.

 

Both bills would give homeowners only two years to file sinkhole claims and three years for hurricane claims. One version awaits a full Senate vote. The House version cleared one committee and is to be voted on by another Thursday.

 

Raises Citizens premiums

 

Customers of Citizens Property Insurance would see premiums rise up to 15 percent or 25 percent a year, depending on whether a House or Senate bill prevails. That means a $1,000 premium could increase by 75 percent or 144 percent in four years because of compound interest.

 

Current law caps annual increases for policyholders at 10 percent.

 

The bills, HB 1243 and SB 1714, also would bar the insurer from accepting policyholders who can find a private insurer that charges up to 25 percent more and allow Citizens to drop policies for homes that cost $500,000 or more to replace. The Senate version, which allows fewer policyholders to be dropped, will be taken up by a final legislative panel on Friday. The House version faces a vote by the whole chamber.

 

Less regulation for insurers

 

Insurers could raise premiums by up to 30 percent a year without full oversight from regulators under SB 1330. It has cleared one committee and is scheduled to be considered by another on Friday. The House version of this bill, HB 885, would allow insurers to increase policyholders' premiums without full oversight by up to 15 percent a year — as opposed to the 10 percent allowed by state law — to pay for catastrophe insurance for the insurer. This version now awaits a full House vote.

 

Bills approved by each chamber of the Legislature would have to be approved by the other before going to the governor's desk for signature to become law.

 

Individuals and groups listing "insurance" in their occupations donated more than $1 million during the first three months of the year to political candidates, committees and parties, according to state campaign finance records.

 

More than $93,000 went directly to legislators on the House and Senate's insurance committees, which first vetted all of the bills.

 

Consumers who want to weigh in can find their legislators at SunSentinel.com/findmylegislator

jvpatel@tribune.com or 954-356-466


Florida workers compensation rates to rise 7.8% in 2011

Click here to read more on this article! 

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Palm Beach Gardens, FL 33410
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Key West, FL 33040
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