By Wes Caldwell Most physicians and surgeons carry some amount of disability insurance; however, the majority are very underinsured. Given their earning potential and the fact that the ability to practice is a doctor’s most valuable asset, the maximum amount available should be purchased. Without proper planning, a career-ending disability is the most financially devastating

Tweet Recently, we have received frantic phone calls from several of our clients that were caught off guard by unscheduled, random visits from Compliance Investigators with Florida’s Bureau of Compliance. This is clearly a sign of their determination to enforce the Workers’ Compensation laws and hold employers accountable, and with an increase in the number

On Thursday, March 13, 2014, the Florida Supreme Court ruled that a 2003 law limiting damages in medical-malpractice cases is unconstitutional. The long-awaited ruling came in the case of a Panhandle woman who died of complications after giving birth in 2006. The court ruled 5-2 that a cap on “non-economic” damages violates the Equal Protection

Workers’ compensation insurance premium fraud has become a real problem in Florida. Besides being illegal, it affects the bottom lines of all businesses, large or small, and leads to higher insurance premiums for honest businesses. Additionally, it has a negative impact on the state’s rate-making system.  There are three common types of premium fraud –

Tweet Cyber liability is the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology, including laptops, phones and tablets. Exposures are generally classified as a “first-party” or a “third-party” cyber liability.  A “first-party” cyber liability occurs when your own information is breached.  A “third-party” cyber liability occurs when customer