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Florida payroll shell game workers' compensation fraud explained for business owners
Florida Risk Stories

Florida Payroll Shell Game: $1M Workers’ Comp Fraud Case

Florida’s CFO says a business owner hid payroll through money service businesses and avoided about $1.09 million in workers’ comp premium. Here is what Florida employers should learn about payroll reporting, audits, and stop-work penalties.

Citizens commercial clearinghouse 2027 changes for Florida commercial property insurance
Industry Trends

Citizens Commercial Clearinghouse: What Changes in 2027

Florida’s new SB 1028 sends most commercial Citizens applicants through admitted and surplus lines clearinghouses starting January 1, 2027. Here is the 15% price test, who it affects, and how to prepare at renewal.

Florida wildfire risk guide for commercial property owners
Industry Trends

Florida Wildfire Risk 2026: Commercial Property Guide

Florida’s worst drought in years drove a surge of wildfires in 2026, and the dry season is starting again. Here is what business owners should check in their commercial property and business interruption coverage before the next fire season.

Florida workplace safety ruling and what it means for employers' insurance
Florida Risk Stories

Florida Workplace Assault Ruling: Workers’ Comp Impact

A July 2026 Florida Supreme Court ruling says a workplace shooting can be covered by workers’ compensation even when the attacker’s motive is unknown. Here is what Florida employers should check in their security, safety programs, and workers’ comp coverage.

Ransomware warning on an office desk computer, cyber insurance risk for Florida businesses
Florida Risk Stories

Fake Ransomware Fixers: Florida Cyber Fraud Warning

A Miami cybersecurity firm owner is accused of secretly paying hackers about $8,200 and billing a victim $150,000. Here is what Florida businesses should learn about ransomware response, vendor vetting, and cyber insurance.

Hurricane Isaias Florida business insurance claim checklist
Florida Risk Stories

Hurricane Isaias: Florida Business Claim Checklist

Hurricane Isaias is bearing down on the Florida Panhandle with $72 billion in commercial property in the wind field. Here is what business owners should document, call, and avoid before and after a commercial property claim.

Florida condo SIRS reserve essentials for association boards
Condo Association

Florida Condo SIRS Reserves: What Boards Must Know

Florida condo associations can no longer waive structural reserves, and milestone inspections are driving insurance and lending decisions. Here is how SIRS funding connects to your association’s insurance renewal.

Florida trucking nuclear verdict and commercial auto liability exposure
Florida Risk Stories

Florida Trucking Nuclear Verdict: $411M vs. a $1M Policy

A Florida jury awarded $411.7 million against a one-truck company that reportedly carried just $1 million in coverage. Here is what the case teaches Florida businesses about commercial auto limits, umbrella coverage, and nuclear verdict risk.

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