The Fair Housing Act and the Responsibilities of Your HOA

According to Kevin Davis Insurance Services, perceived or actual discrimination on the basis of race, color, religion, sex, nationality, familial status or disability is one of the most common causes of lawsuits against homeowners associations. Purchasing HOA insurance is an excellent way to address the risk of litigation. However, HOA board members should also be familiar with relevant regulations in order to avert problems.

What Kind of Accommodations Need To Be Made?

The laws addressing discrimination which most often affect HOAs are those in the Fair Housing Act. According to these regulations, residents may request, verbally or in writing, that reasonable accommodations or modifications be made in order to enable them to access their home and common areas in the neighborhood:

  • A reasonable accommodation involves altering or making an exception to neighborhood rules, services and policies.
  • A reasonable modification involves a structural alteration.

Changes can be made to the inside or outside of existing dwellings and public spaces. An HOA should seek guidance from its insurers to determine which requests are reasonable.

Who Pays?

In most cases, the costs incurred by accommodations are the responsibility of the HOA, while those associated with modifications are the responsibility of the resident. That said, if the modifications are located in common spaces customarily maintained by the association, the cost of their upkeep may be the responsibility of the HOA too.

Given the complex nature of the FHA regulations, it is understandable that they can occasionally lead to complaints and litigation. In these situations, HOA insurance can protect your board from related expenditures.

Insurance for Health Care Professionals

Insurance for Health Care Professionals

If you work in a medical field, you may have heard that you need allied health insurance to protect you from various situations that can occur at work. If so, you may be wondering, “what is allied health insurance, anyway?”

Occupations Eligible for Allied Health Insurance

Allied health is not designed for traditional medical doctors, who have their own specialized coverage. Instead, it is designed for the millions of other workers employed in the health and personal care professions. Examples include:

  • Midwives
  • Physical therapists
  • Home health aids
  • Surgical technologists
  • Medical billers
  • Dental hygienists
  • Phlebotomists

The experts at Huntersure specialize in this type of insurance and can provide a complete list of job titles included in the allied health industry.

Types of Risk Covered

People who work with vulnerable populations need insurance against having their careers ruined by false accusations and against the loss of wages during the time allegations are being investigated. Allied health insurance covers many of the following potential situations:

  • Sexual abuse
  • Patient injury
  • Non-compliance with regulations
  • Breach of client confidentiality
  • Negligence
  • Adverse patient reactions

It is not pleasant to think about being involved in one of the above situations, but having good allied health insurance can make you feel less worried about the possibility.

3 Effective Marketing Strategies for Insurance Agents

Staying afloat in the competitive insurance industry requires serious marketing efforts. However, internet advertising can prove to be extremely hard, especially for people with zero experience in digital outreach. For this reason, most dealers outsource these operations to services that offer online marketing for insurance agents.

  1. Get the Website Right

    According to Agency Tsunami, getting a professional and user-friendly website is the first step toward a successful internet marketing campaign. The last thing you want is a website that needs a developer to process simple requests, such as adding new blog posts or replying to comments.

  2. Leverage Social Media

    Social media ads will put you in front of potential customers for a fraction of what it costs to run TV or radio campaigns. Facebook has the best ad platform in the market right now but LinkedIn, Twitter and Snapchat are also worth a shot. Benefits of social advertising include:

  • Improved brand loyalty
  • Better conversion rates
  • Reduced marketing costs
  1. Use Search Engine Optimization (SEO)

    SEO Optimization is a crucial step toward minimizing the cost of acquiring leads. It takes a lot of time and effort to get on the first page of Google or Bing, but the results are worth the trouble. You can think of it as a way to generate high-quality leads passively.

Work on implementing these three steps today. As you do so, turning to the right professionals for guidance will have a positive impact on your insurance business.

What To Know Before Volunteering

Dedicating your time and energy to a cause bigger than yourself is a noble endeavor. Whether you’re a first-timer or a seasoned pro, volunteering in another country can be a little scary. Know what precautions to take ahead of time to ensure you have the best trip ever.


You already know what a nightmare it can be to deal with your health insurance here in America, but what if you were hurt or injured in another country? In these cases, it can be a smart idea to invest in volunteer insurance. These special packages cover you throughout the duration of your trip and can be a literal lifesaver in more dire circumstances. Still have questions? VIS is a great resource to help you get started.


Your immune system hasn’t been exposed to all the germs and diseases that might reside in another country. Check with your healthcare provider to learn what vaccines you need to have before traveling outside the United States.


ATMs in other countries can charge crazy fees for foreign transactions. See about exchanging cash before leaving, or look into what kinds of credit or debit cards don’t charge fees for using them overseas.

Your goal is to have a fun and safe trip, but part of doing this is being prepared. Do your part to ensure you’re in good shape leading up to your departure.

COFR: What is It and How Do I Get It?

What is a COFR? COFR stands for a certificate of financial responsibility and is required for vessels sailing in U.S. waters. COFRs came as a result of the Oil Pollution Act of 1990 when the Exxon Valdez spilled over 11 million gallons of Alaskan crude oil in the waters of the Prince William Sound.

Who Needs a COFR?

As a protection, all vessels over 300 gross tons who navigate the U.S. waters must secure a certificate of financial responsibility. Additionally, any vessel that is lightering (ship to ship transfer) or transshipping (off-loading) oil in the U.S.’s exclusive economic zone must have a COFR regardless of the tonnage. There are only two exceptions to the COFR requirement:

1) public vessels

2) non-self-propelled barges (must not carry hazardous or oil as fuel or cargo)

All vessel applicants for a COFR must show proof that they have the financial backing to cover any type of liability that comes from water pollution caused by their vessel(s). This financial backing could be from a third party insurer or the company itself.

Electronic COFRs

The US Coast Guard no longer issues paper COFRs. Thanks to the ecofr program, COFR validity is verified electronically and updated daily. The E-COFR program makes application and payment for a new COFR, a COFR renewal, or supplemental COFR easy, secure and accessible online from any computer or mobile device.

Cyber Liability for Tech Companies

The data breach is a problem that all businesses can face. If you do not have insurance coverage for the data breach, your company may be liable for any damages to clients caused by cybercrime or breach. Third-party cyber liability is a crucial coverage and here is what you need to know about it and who should have third party liability.

 Who Needs Cyber Liability?

The experts at FGIB describe third-party cyber liability as being designed for software firms and tech startups. Businesses who are in information technology benefit the most. These are businesses that are responsible for their own data security. When you are in charge of security, you need coverage in case of a lawsuit. Sometimes, these policies can be included in an error and omissions policy.

What Is Cyber Liability?

Cyber liability is insurance coverage for businesses that need to keep a client’s information secure online. It is covered in the case of cyberattacks and breaches. Cybercriminals may steal a client’s bank information, his or her identity or medical records.

No matter your industry, third party cyber liability is a crucial coverage. Without cyber liability, you may suffer a lawsuit that you cannot afford. Every business is prone to the data breach. Third-party liability is best for tech companies.

8 Liabilities Excluded from Your Boating Policy

Anyone who purchases a new vehicle, house, or boat often seeks a comprehensive insurance policy to protect their new investment. However, unless you ask your insurance broker a lot of questions, you may find yourself surprised when your claim is denied under an exclusions clause.

Common Boating Exclusions

The team at Merrimac deals with many insurance policies and claims, and they know how important it is to understand the exclusions of your policy. Here are some of the more common boat insurance exclusions.

  1. Repairs or replacements as a result of general wear and tear associated with gradual deterioration and saltwater corrosion.
  2. Damage from marine life such as sharks, whales, or octopi.
  3. Damage caused by infestations of mold, animals, or insects whether in storage or during use.
  4. Repair or replacement parts for machinery or equipment that has deteriorated, been used improperly, has a production defect or has never received proper maintenance.
  5. Damage or loss stemming from improper storage, securing, or towing.
  6. Loss or damage associated with boating accessories such as life jackets, GPS equipment, modifications, or the anchor.
  7. Damages incurred through sporting or boating competitions or improper use.
  8. Loss or damage that arises during an accident when an un-named insurer is behind the wheel.

Don’t be caught off guard. Know the exclusions before you sign the insurance contract.

Three Tips For Finding a New Ski Resort

As the winter months get colder, now is the perfect time to enjoy a nice relaxing ski vacation. You might have a haunt that you pick every year, but if you want to mix it up this year learn how to pick out a new place to hit the slopes.

Family-Friendly Or Not?

Do you want to bring your mate and the kids, or is this time for you to hone your craft and kick butt doing it? Some places are geared towards families, others are better suited for athletes.

Is There Proper Insurance?

Most likely if you head to a professional resort there will be ski resort liability insurance, but if a certain place sketches you out then you might ask staff what kind of coverage they have in case there’s an emergency. If you’re curious, check out David Sayles Insurance and ask all the questions you like.

Do You Feel Safe There?

Nobody wants their weekend in the mountains to end up as a Netflix horror movie. Gauge for yourself whether you feel comfortable at the new place. Are the facilities and slopes up to your standards? Does it feel clean and welcoming?

As you navigate through the wintertime and decide to enjoy snowy activities, exercise caution when trying a new resort. You could find a new yearly tradition if you are watching the signs closely.

How to Plan a Water Well System for Your Home

Water is an important resource essential for life. Not every home is built near a municipal water supply making a well an attractive option. Beyond using a company with groundwater insurance, this plan can help you plan your system.


It is important to know where you plan to put your water well. If you have a septic system, you don’t want your water well within 50 feet of the tank or 200 feet of a cesspool. You want to keep it away from roadways and your property boundary. If there is a landfill nearby, you want to keep it away from there as well. This helps prevent contamination.


How much water do you need to have enough? You need to consider having enough for fire protection, everyday use, special uses such as animals and seasonal uses. Once you know what you plan to use the water for, you need to determine the size of the well, how much water you need standing in the bottom and the continuous flow rate of the water.


As referenced on, groundwater insurance plans provide coverage for a variety of contaminants, crimes, damage, and drilling. Choose a company that has insurance in case something doesn’t go well.

Water is vital and you need a plan that ensures you have enough for your home. A company with groundwater insurance offers protections should mistakes happen during the process.

Offering Group Dental Coverage to Win Over Job Candidates

Your employee benefits program is a large determining factor in a candidate’s decision to accept a job offer. From paid medical leave to flexible working hours, each aspect of your benefits program should be carefully designed if you want to win over more job candidates. To stay competitive in the job market, it’s crucial to include group dental insurance in your employee benefits program.

Better Reputation

Offering group dental coverage doesn’t only give you happier employees. Because this type of insurance is so widely coveted, including it in your benefits program can also help to boost your company’s reputation. Research found on indicates that the majority of prospective employees expect to be offered reliable dental insurance. By meeting these expectations, you can help others view your company in a positive light.

Healthier Employees

A lack of proper dental hygiene can lead to a host of other health problems, such as heart disease, diabetes and osteoporosis. By promising dental insurance to your employees, you help to foster an environment that supports the health and well-being of each worker. Additionally, when your employees are in good health, they can do their jobs more effectively and make a meaningful contribution to your company.

To attract more employees and increase your company’s reputation, consider providing workers with group dental insurance. You can benefit from a happier and more vibrant workplace with this reliable form of coverage.