AP Blog

By Jason Wissmiller, 08/11/2020
We often receive phone calls from clients and prospects asking for a general liability policy to satisfy an insurance requirement in a contract, such as an airport lease. Like most insurance products, clients buy an aviation general liability policy with little knowledge of what the policy actually covers. In...
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By Mark Holt, 08/03/2020
N-95 masks have been the subject of increased focus by OSHA. These masks were originally designed for industrial use in sectors such as mining, construction, painting and manufacturing. Designed to filter out airborne particulates, they have a logical place in the healthcare setting to control airborne diseases...
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By Trevor Gilstrap, 07/29/2020
Fracking is a method that has been in use for decades but has become the hot buzz word in recent years, and is the alleged cause of everything from tainted water to silicosis. Regardless of your opinion on these growing allegations, these types of lawsuits from upset citizens are increasing throughout the...
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By Chris Pavone, 07/28/2020
Trucking’s role in keeping goods, materials and the economy rolling during the global pandemic has been nothing short of phenomenal and will certainly play a role in re-establishing “normal” supply lines depleted by hoarding households and profiteering resellers. Hopefully, everyone in the...
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Growing rates of healthcare workers are experiencing physical and psychological injury as a result of workplace violence related to resident care. A staggering 95% of healthcare workers have reported exposure to aggression. However, research has found that workplace violence is underreported, signifying that...
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07/15/2020
When setting up a flying club, or managing an existing flying club, there are several things you can do to make yourself more attractive to an underwriter. By making yourself more desirable to an underwriter, you can maximize your coverage and minimize the premiums you pay. Here are our Top 10 Flying Club...
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By Nathanael Alexander, Esq., 07/14/2020
On July 8, 2020, by a vote of 7-2, the Supreme Court of the United States (SCOTUS) in their Little Sisters of the Poor decision upheld Trump administration rules permitting employers to decline contraceptive coverage (including preventative health services, birth control pills, IUDs, etc.) on the basis of...
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By Nathanael Alexander, Esq., 07/08/2020
On June 15, 2020, the Supreme Court of the United States (SCOTUS) held in Bostock v. Clayton County, Georgia that Title VII of the Civil Rights Act of 1964 bars an employer from firing an individual merely for being gay or transgender. In its ruling, the Court noted that it is “impossible to discriminate...
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By Gina Ekstam, 07/08/2020
Agribusiness worksites, shared worker housing, and shared worker vehicles present unique challenges for preventing and controlling the spread of COVID-19. Joint guidance by the CDC and DOL provides a template that employers can adapt to protect their workers. Through thoughtful planning, it is possible to...
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By Nathanael Alexander, Esq., 07/02/2020
Due to the COVID-19 pandemic, countless employees with young children have opted to utilize the time off provisions of the Families First Coronavirus Response Act (FFCRA) in order to provide care to their children in lieu of school and day care center closures nationwide. Now that schools are closed and a vast...
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Flood Coverage - Do You Really Have It?
11/07/2016

Considering the most recent flooding occurrences around the nation, it’s probably time to take a closer look at your current flood coverage, if in fact you have it. 

First, if you haven’t already, you’ll want to identify what flood zones both your “parcel” and/or “structures” are located in. It is also important to identify if these are either “partially” or “wholly” in a high hazard zone (SFHA-Special Flood Hazard Area). The reason behind this is that many flood coverage forms exclude coverage if the parcel and/or structure is partially or wholly in a high hazard flood (SFHA) zone. 

The other dilemma is that a larger deductible may apply if, in fact, the coverage provided is for a parcel/structure in high hazard zones. Many times the deductible can be listed as “the maximum available limit through the National Flood Insurance Program” (NFIP). This can be excessive as the maximum available via the NFIP for most apartment communities is $500,000 per building!

It is also important to note that over the last few years the Federal Emergency Management Agency (FEMA) has amended many of the zones. You may have previously been in a low to moderate zone but may now be in a high hazard or vice versa.  Asking your agent to run a current flood mapping for you can assist in this process.

In addition to the above tasks, it’s really important to confirm that all lines of property are covered…buildings, outbuildings, contents and loss of income. Many flood insurance coverage forms (including the NFIP form) are limited to just building coverage, but most of the independent forms are much more flexible.

Lastly, make sure you are aware of the definition of flood as it is defined within your insurance policy.  Yes, you’ll need to read your policy to determine this. For the most part, it is usually defined as “the overflow of a natural (or unnatural) body of water including the breakage or overflow of their boundaries or the rapid accumulation of surface water on otherwise dry land whether wind driven or not,” an example of which would be heavy rains.  

For flood questions, or if you would like a review of your flood insurance policy, visit AssuredPartners Property and Casualty.