Blog - Flow Insurance Services

18 Dec The Facts About Earthquakes And Buying Earthquake Insurance

Posted at 10:30h in Earthquake by Adam M

Unless you happen to live on the West Coast and more specifically California, earthquake insurance is probably the furthest thing from your mind. While it wouldn’t surprise you that someone in Indiana would never buy earthquake insurance, it might shock to know that records indicate...

13 Dec Should We Privatize Flood Insurance?

Posted at 09:55h in Flood by Adam M

Hurricane Michael swept in and left a massive path of devastation in its wake. It also created another problem far beyond the destruction and loss of life. The one program put in place by the government to protect those suffering loss due to flooding was...

11 Dec The Rules Covering Workers’ Compensation Every Californian Employer Should Know

Posted at 11:38h in Work Comp by Adam M

A worker is moving freight around the warehouse when an improperly loaded set of shelves comes down on top of his forklift causing serious injuries. After a thorough investigation, the inspectors determined who was at fault and that the safety cage on the forklift had...

04 Dec Verisk New Product May Replace Out-of-Date Flood Maps

Posted at 14:11h in Flood by Adam M

Recently Verisk announced the release of WaterLine™, a new underwriting tool that can be used to see the flood scores for every property in the continental U.S. Scores run from 0-100 on the relative scale and at the same time displays information regarding why the...

29 Nov Is Earthquake Insurance Worth Buying?

Posted at 10:56h in Uncategorized by Adam M

When you think about earthquakes, the first thing that typically comes to mind is California. What you may not know, is that earthquakes are only one of several natural disasters that most standard homeowner’s insurance policies do not cover. To make matters worse, most people...

26 Nov Homeowners Insurance and the Surging Increase in Wildfires

Posted at 11:23h in Wildfire by Adam M

Wildfires are rapidly becoming one of the costliest natural disasters homeowners across the United States. As each year goes by, it seems as though wildfire season starts earlier and ends later. Reports from 2017 assembled by the National Interagency Fire Center show that there was...

20 Nov Does Your Client Need Professional Liability Insurance?

Posted at 11:24h in Uncategorized by Adam M

Is your client in the business of providing some form of professional advice or services to individuals or businesses? Could the services they offer, including counseling, cause the person or firm to lose money or something else for which they could be held responsible? ...

15 Nov Most Common Causes Of Vacant Property Claims

Posted at 11:08h in Uncategorized by Adam M

It is not unusual for a property owner to find themselves sitting on a vacant property for a variety of reasons. Whether you have a property up for sale, a rental that is currently awaiting a new tenant, or you have a winter or vacation...

13 Nov NFIP Drops Their Non-Compete Clause

Posted at 13:35h in Flood by Adam M

Under a new ruling by FEMA, changes are being made to provisions that did not allow private insurers who offer National Flood Insurance Policies to provide their own products and at the same time stopped buyers from being able to cancel their NFIP policies if...

08 Nov 9 Steps Agents Can Take To Help Control Their Clients Workers’ Compensation Costs

Posted at 14:41h in Uncategorized, Work Comp by Adam M

It seems that for many insurance agents once they sell workers’ comp insurance to their clients, that’s the last time they have anything to do with it. Far too often the only time the subject of worker’s comp comes up is when an employee gets...