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Florida Blue has recently notified us of billing changes. Beginning in October, if premium payment has not been received by Florida Blue by the 10th of the month due, a claims hold will be implemented. A claims hold will prevent providers from being able to verify benefits, and will potentially result in claims payments being declined.  If a claims hold has occurred, it may take Florida Blue up to 72 hours to release the hold after payment has been received. It is important that Florida Blue clients remember to 1) pay on time, 2) pay online, and 3) pay as billed so that you do not encounter a hold.

We understand how important your health coverage is to you and your company. Following these simple steps will help ensure that your invoice is paid on time and in full.

As always, should you have any questions or concerns regarding this information, please contact us. We are here to assist you and are happy to answer any questions you may have.

NAPLES, FL (July 25, 2017) – Nick Wichmanowski, Gulfshore Insurance Client Advisor, was recently elected as the Florida Nursery, Growers and Landscape Association (FNGLA) Royal Palm Chapter president.

Wichmanowski, who was installed on Saturday, July 22nd, has been a member of FNGLA for five years. Since being a member of FNGLA, Nick has served two terms as vice president and prior to that as secretary of the chapter. He is a graduate of Florida Gulf Coast University (FGCU) and a licensed 2-20 agent, and commercial lines coverage specialist.

FNGLA is managed by a 26 member board of directors comprised of member-elected representatives from 15 active chapters. FNGLA chapter presidents are elected by their chapters to preside over chapter meetings. FNGLA chapters are the lifeline of the Association. Through their representatives, FNGLA members learn about the issues affecting different parts of the state.

The Occupational Safety and Health Administration (OSHA) issued a proposed rule to delay the date by which certain employers are required to submit their completed 300A form electronically from July 1 to December 1, 2017.

The Injury Tracking Application or data collection system, which was originally scheduled to launch in February 2017, is expected to launch August 1, allowing employers a 4-month window to electronically submit their 300A forms for 2016 injury and illness data. According to OSHA, the delay will allow affected establishments to familiarize themselves with the electronic reporting system.

Please see the update on OSHA’s Recordkeeping and Reporting Requirements site for additional information.

There is a refined edge and swagger associated with the styling and detail of an exotic vehicle, classic car, or hotrod. Many owners and enthusiasts spare no expense to protect these investments, and that mindset should be shared in proper and appropriate insurance coverage. If you or your clients purchase a luxury vehicle, higher auto insurance rates are likely one of the byproducts. Although insurance pricing is based primarily on a driver’s age, place of residence, credit rating, driving record, marital status and gender, the type of car being insured can make a big difference.

Vehicles that warrant specialized insurance:

    • Exotic and luxury autos
    • Antique and classic cars, usually at least 25 to 30 years old
    • Hotrods and modified vehicles
    • Muscle cars
    • Classic trucks


Here are some of the reasons that rates are often higher on these than other high end vehicles:

  • Insurance companies consider the cost of purchasing the car, the cost to repair the car, the cost of spare parts, etc. while calculating the insurance premium. And typically, expensive cars tend to cost more for repairs. For example, the sensors imbedded in the front of a high-end automobile to provide night vision cameras cost more than $11,000 to replace if damaged in a front-end collision.
  • In addition, high-end and exotic cars are not only more likely to be stolen for their rarity, but their parts may also be more in demand or harder to find, which could lead to theft. The higher the theft rate, the higher your car insurance will be. In fact, According to the Insurance Information Institute, about one-third of an average car insurance premium covers potential theft claims.
  • A specific vehicle model’s insurance claims history will also affect rates for anyone who owns that type of car. For example, drivers of cars capable of topping 150 mph might be more prone to speeding and, therefore, more prone to accidents than those of what are considered family-oriented vehicles, such as minivans and small SUV’s.


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“Call for the generator and kick into business continuity alert mode – a category 5 storm is expected to hit Naples on Thursday.” Word of a Hurricane spread quickly, but did not come from the National Hurricane Center or The Weather Channel. Rather, Gulfshore Insurance announced internally that “a three-day agency-wide disaster preparedness drill designed to simulate a major hurricane in our area” would be held May 24-26.

Life has taught us that practice makes perfect and that it probably is unreasonable to expect everything to be orderly, sane, and fully functioning during or after a disaster. That is why Gulfshore Insurance hosted a multi-day, department-wide, hurricane readiness drill to intensively prepare the agency to deal with the effects of a major storm. The exercise was in preparation for the start of the Atlantic Hurricane season, which began June 1st.

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