Florida insights
Know the rules before they cost you.
Plain-language guidance on the Florida commercial-insurance details that trip businesses up — workers’ comp, bonds, builder’s risk, and condo boards.
Condo Boards: How SIRS and Milestone Inspections Reshape Your Insurance
Post-Surfside, Florida condo and HOA boards face milestone inspections, mandatory reserve studies, and tougher scrutiny — all of which touch your D&O and property program. Here’s how to keep coverage and compliance lined up.
PropertyBuilder’s Risk and Hurricane Season: Lock the Wind Deductible Before the Cone
A building under construction is at its most vulnerable exactly when Florida storms arrive. Here’s how builder’s risk works, why the named-storm deductible is the detail that matters most, and why you set it before the season — not during.
BondsBid, Performance, Payment: A Plain-Language Guide to Florida Contractor Bonds
A bond isn’t insurance for you — it’s a guarantee to whoever requires it. Here’s how bid, performance, and payment bonds work on Florida public projects, and what the “Little Miller Act” means for your bids.
Workers’ CompStop-Work Orders: The Florida Workers’ Comp Mistake That Shuts Job Sites Down
In Florida construction, a missing or misfiled workers’ comp policy can trigger a stop-work order on the spot — plus a penalty of twice your unpaid premium. Here’s how the trap springs and how to stay clear of it.
Workers’ CompFlorida’s 2026 Workers’ Comp Rate Cut: The Ninth Straight Year of Savings
Florida approved a 6.9% statewide workers’ comp rate decrease effective January 1, 2026 — the ninth consecutive annual cut, with roofing down even further. Here’s what it means for your payroll and your next renewal.
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