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Buying the right homeowners insurance policy is never a one-size-fits-all proposition, particularly when it comes to getting flood insurance protection. And to some homeowners it may be a surprise when they learn that it is quite common for insurance companies to exclude flood damage from standard home insurance coverage. READ MORE >>

Lots of small companies are saving money by increasing deductibles on their health care plans (or canceling all together).  Difficult economic times mean tough either/or choices for small business owners.  For many, adding voluntary benefits to compensate for cutbacks elsewhere in a ben... READ MORE >>

Stories in the news make it seem like senior drivers are a danger to everyone on the road. The statistics show that the truth is drivers in the age range of 25 to 34 are actually the most likely to be in an accident. This younger age range accounts for the largest number of accidents. READ MORE >>

Beginning January 1, 2015, there will be a change to what covered employers are required to report to the Occupational Safety & Health Administration (OSHA). Under federal law, all employers, regardless of size or industry type, will be required to report all work-related fatalities within ei... READ MORE >>

Out of the individuals who do not own life insurance, many cite the cost as the reason. In fact, studies conducted show that people think life insurance costs about three times more than it actually does. That's why it always pays to do your research, rather than rely on an assumption. READ MORE >>

We are starting the holiday season this week, with our owl inspired "Tree of Wisdom." R.V. Johnson Insurance in collaboration with Forward Electric have donated a decorated holiday tree for the 7th Annual Festival of Trees presented by Tykes and Teens. READ MORE >>

The Health Insurance Marketplace begins open enrollment on November 15, 2014, and will run through February 15, 2015. During this period, all health plans offered through the Marketplace will be accepting new enrollees. Those currently without health insurance, or those looking to switch their health care plan, may do so through the Marketplace during this open enrollment period. READ MORE >>

Starting a business is no easy feat, and it takes some serious startup capital just to put your dream into motion. From internet access to rent — and everything in between — you've likely taken out a loan and invested your personal savings into your startup business. Isn't that worth protecting? READ MORE >>

In Part 1 of this blog "Liability For a Swimming Pool", we described the duty of care owed to members of an association, their tenants and guests, and even to trespassers.  As a result, an association should take steps to minimize its liability for any death, injury or damage that occurs at a pool. READ MORE >>

For many Floridians going to the beach and enjoying a swimming pool are a way of life, especially in the summer heat.  However, we often forget about the liability of owning a pool.  Many associations (both homeowners and condominium association) have pools, and there is a risk of liability that needs to be considered when operating, maintaining and repairing a pool. READ MORE >>

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