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Small Businesses across the Country are discovering the PEO solution for hard to place Workers’ Compensation Insurance. Many business owners are unfamiliar with the system that provides the bundling services of Payroll, Human Resources, & Workers’ Compensation Insurance. A Professional Employer Organization (PEO) offers a comprehensive approach to helping business owners manage human resources responsibilities. By transferring the bulk of Human Resources related tasks, small business owners receive access to guidance and recommendations from HR specialists, all while remaining focused on the daily operations of their business, with which they are most familiar.

From Florida to Texas, Gulf Coast communities have applied a tremendous amount pressure on their political representatives to provide relief from the pending flood insurance rate hikes associated with the Biggert Waters Act of 2012. As Many Floridian Homeowner’s are aware, the Biggert Waters Act, or BW-12 as it has become known, was intended to remove the government subsidy provided to flood insurance recipients in low lying regions, thereby raising insurance premiums to support a sinking National Flood Insurance Program.

Florida has joined 40 other states in implementing a ban on texting and driving a motor vehicle. While the law makes it only a secondary offense, meaning police have to stop the driver for a seperate violation, this is presumably the first step in ramping up the effort to promote vehicle safety and target texting on the roadways. The intention of the new law is to deter drivers from sending or reading a text message, however it bans almost anything that requires typing or entering letters, numbers, symbols, or other characters. This outlaws emailing, browsing, and even dialing a phone number. Exceptions to the law include reporting crimes, road navigation, and receiving weather alerts.

As summer fades into September, children across Florida are preparing for a return to the classroom and many parents are finding first-hand the immense amount of preparation that is involved when “Back to school” transitions into “Off to College”. Feelings of reservation and anticipation tend to dominate the emotions of both parents and young adults at the thought of residency and lifestyle changes associated with first time college students. Aside from living arrangements, meal plans, and school supplies, additional consideration should be allocated to your insurance policies.