Posted: 3/02/2010 - Source: InsuranceJournal.com

Concern regarding funding for several federal programs, including flood insurance for homes and businesses, have caused one senator to hold out his vote for reauthorization, effectively allowing these programs to expire on Feb 28. Until the matter is resolved in the Senate, the National Flood Insurance Program (NFIP) will be unable to:

• Issue new flood insurance policies
• Increase coverage for existing flood insurance policies
• Approve renewal of flood insurance policies
• Pay flood insurance claims

Reauthorization is anticipated during the week of March 1, when it is believed the Senate will be able to address the unresolved issues with funding. It's likely the eventual solution will make service of these policies retroactive to include the period of limbo between the Feb. 28 date of expiration and the reauthorization. In the meanwhile, however, the insurance agents writing homeowners insurance policies and commerical insurance writers offering flood insurance coverage have had their hands tied on this critical coverage.

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Posted: 2/03/2010 - Source: CNET News

Safe driving practices have always influenced auto insurance rates to some extent. Citations resulting from poor driving habits also influence car insurance rates. Some habits, such as using your phone and allowing other distractions while driving, are too dangerous to ignore.

A new study by the Highway Loss Data Institute (HLDI) featured in this CNET News article outlines the need for dealing with the larger issue of all types of driver distractions, not just use of mobile phones as addressed in a new law.

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Running a Small Business? Check Your Insurance

Posted: 1/22/2010

Unfortunately, many small businesses fail when it comes to proper small business insurance coverages. If you own a small business or are thinking of starting a small business, here are some things you need to know when it comes to insurance for small business.

When Is Workers Compensation Required?

The type of business - defined by classification codes as either construction or non-construction - and the business structure are the key factors in determining whether workers compensation coverage is required.

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When Is Commercial Auto Insurance Required?

Florida law requires business owners to have commercial automobile insurance under these circumstances.

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