Sunem Herrera • July 18, 2025

Liquor Liability

Protect your Business from claims

The three main risks that businesses selling or serving alcohol encounter include: 1) providing alcohol to a customer who is already intoxicated, 2) fostering a customer’s excessive intoxication, and 3) serving alcohol to a minor. While these actions may not result in an immediate liquor liability claim, they can create substantial legal exposure if they contribute to an accident or injury involving the customer, a minor, or a third party.


The cost of liquor liability insurance can differ significantly based on various factors, including the state where your business is located. For small businesses, a basic dram shop policy generally begins at approximately $500 per year, whereas premiums for larger establishments can reach into the thousands. Although liquor liability coverage can be acquired as a standalone policy, it is often more economical to include it with a general liability policy or as part of a broader commercial insurance package.

Rising Auto Rates Affecting ‘Bundle’ Strategy: J.D. Power

September 21, 2022
Many companies would have you believe that bundling home and auto would save you money. That might have been the case few years ago but  according J.D. Power many cunsumers have seen a benefit is breaking up policies due to increases in auto insurance premiums. (Insurance Jornal) Overall satisfaction and retention rates have fallen within the averge consumer due to the rising auto premiums increases in loss cost due to rising claims. "Sky-high auto loss costs and resultant auto premium increases are creating ripple effects throughout the insurance industry and, as a result, one area that is being severely disrupted is the home and auto insurance bundle,” said Robert M. Lajdziak, director, global insurance intelligence at J.D. Power. “Homeowners, and particularly bundlers, have traditionally been less price-motivated than the typical monoline auto customer, but we are beginning to see cracks in that foundation. That puts the focus for insurers squarely on the overall brand experience their customers are receiving—across all lines—and on understanding how changes in one area, such as telematics adoption in an auto policy, can affect the entire customer journey.” If you would like a free no obligation quote for your home or auto please contact our offices at (305) 264-0177

Hurricane Season Review your insurance prior to a loss

September 1, 2022
Hurricae season is in effect from June 1 to November 30. Dont wait till there is a loss to check your homeowners policy .Here are some guidelines to assist you through the season. 1.. Check your homeowners policy to confirm you have the correct coverage. Review with your agent that the coverage for your structure is correct. If you have other structures such as fence , pool, deck that it is covered under other structure. 2.Make sure that you have adequate personal property. Personal property does not cover valuable jewels, art or furs. These must be scheduled under a jewlers block policy. 3. Review carefully your insurance policy to confirm you are covered for hurricane (wind/hail ). 4. Homeowners Policies exclude flooding make sure if you are in a flood zone to have a separate flood policy. it is important to annually review your policy as your insurance needs might have changed .  if you would like a free no obligation review of your current policy please contact our office and we will be happy to assist you (305) 264-0177

Workers Compensation Insurance are you covered?

June 30, 2022
Did you know that your General Liability coverage excludes injuries to yourself and to your employees? Florida law requires employers to purchase workers' compensation coverage. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees. If you have employees, you must provide a safe working environment and the right protection. Worker's Compensation insurance covers both you and your employees after a work-related injury or illness. As the employer, you will have peace of mind by allowing your business to flow and avoid expensive civil litigation that can eat at your profits.  Worker's compensation provides support to the injured employee helping them recover and return to work quickly. Let us assist you in getting the adecuate coverage . We value your business