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Liability Insurance

Get schooled on dog bite liability

Funny Dog-08A

Your pets may have pet insurance to keep them healthy. But when it comes to liability for their misdeeds, the financial impact will bite into your wallet.

This is Dog Bite Prevention Week, and the American Veterinary Medical Association reminds us that even nice dogs can bite. Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, costing in excess of $570 million, according to data from the Insurance Information Institute (I.I.I.) and State Farm®, the largest writer of homeowners insurance in the United States.

What ride sharing drivers and passengers need to know about insurance

Most personal auto insurance policies do not provide liability coverage if the vehicle is used as a “public or livery conveyance”.

Another innovation born of mobile technology is the move to a sharing economy. People like to connect, and many like to make extra money by sharing stuff they already own. That’s what ride sharing is all about.  It links people who need a ride with car owners who want to use their cars to bring in a little extra cash by chauffeuring strangers around town. It’s a business model that seems to fit in Florida where public transportation is often spotty and hailing a cab is simply not possible on every street corner, as it is in a metro like New York City.

The right insurance keeps your boat afloat

Living in Florida means boating season never ends. With the right insurance protection, your boating days can be as carefree as a day at the beach. The type of insurance coverage you get depends upon the boat.

If you have a small boat, such as a canoe or kayak, you may have coverage under your homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home’s insured value. That amount of coverage includes the small boat, motor and anything you may use to tow it. It does not typically include liability insurance.

Pool owners should be on lifeguard duty with their insurance

This time of year, Florida backyard pools are the temperature of bath water. Yet, pools pose a year ‘round hazard. If you own a pool, you must always be on lifeguard duty – even if you are not at home. The duty extends to being mindful of safety precautions and to consider the insurance you’ll need if you ever get sued because someone is injured or drowns in a pool you own.