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As we continue to invest in resources to improve our clients’ experience, we are excited to announce the adoption of Indio – Gulfshore Insurance’s Secure Online Insurance Application, Document Sharing, and Document Signature Platform.

We recognize how cumbersome the insurance application process can be for most. Indio is a tool that allows us to provide clients with a fully digital application, renewal, and document signature process! This secure online platform combines all of the different functions of a typical insurance renewal process into one easy platform. Here are some of the key features and efficiencies this will bring to our insurance process:

  • Online portal allowing easy access to insurance applications/forms whenever and wherever clients need them.
  • The ability to sign all applications and forms live on the platform.
  • The ability to upload and download documents as needed in a secure environment to ensure nothing malicious is sent.
  • The ability to assign applications, forms, or even sections within applications to specific points of contact within your organization; in turn, reducing the need to print, scan, or even sign forms offline.
  • The security of knowing your data is confidential!

For more information, contact us today!

NAPLES, FL (June 18, 2019) – Gulfshore Insurance Inc., a leading insurance agency in Florida, has announced the addition of Private Risk Services Client Advisor, Jon White, to their staff.

With over 12 years of industry experience, White’s business and sales strategies are innovative and effective. “Jon White is an asset to our Private Risk Services division. His go-getter attitude and passion to deliver impeccable service to clients are great contributions to the team and the overall growth of our agency,” stated Brad Havemeier, President and CEO.

In his new role, White will specialize in complex lifestyle protection for successful families, including high value homes and estates, yachts, and auto collections. White will also partner with wealth advisors, trust and estate attorneys, and luxury realtors to limit his clients’ liability exposures.

About Gulfshore Insurance
Gulfshore Insurance is an insurance agency based in Naples, Florida. Founded in 1970, the agency provides professional risk management and insurance coverage to businesses and individuals. Gulfshore Insurance combines the best characteristics of local agencies with the expertise of national brokers. Their associates in Naples, Fort Myers, Fort Lauderdale, and Sarasota advise more than 10,000 clients throughout the state. To learn more, please visit

Did you know that…

  • More than half of U.S. businesses have experienced a cyber attack in the past year.
  • Of those businesses hacked, 72% spent $5,000 or more.
  • 1 in 9 system compromises happen in under a minute.
  • 83% of compromises took a week or more to detect.
  • All 50 states require notification when a data breach occurs.


In recent years, cybersecurity threats have become increasingly complex, and businesses of all kinds – including the construction industry – face ever-growing risks to their reputation, their finances, their continuity of operations, and even to the safety of their job sites and equipment. A recent Forrester survey revealed that more than 75% of respondents in the construction, engineering and infrastructure industries had experienced a cyber-incident within the last 12 months. It is projected that cyber crime will cost businesses approximately $6 trillion per year on average through 2021.

Cyber threats can expose all of a company’s digital assets: business plans and acquisition strategies; proprietary construction plans and designs; customer, contractor, and supplier lists and pricing; personally identifiable information of employees and contractors; protected health information of personnel; and facilities security information. Cyber risk can also cause business interruption and reputational harm: for example, a ransomware attack might not lead to a loss of information, but by shutting down a company’s computer networks, and potentially destroying information, it can cause an enormous amount of lost productivity and business delay. And the ability for cyber attackers to hijack physical devices – from security cameras to vehicle telematics to industrial control systems – means that there is an ever-increasing risk of property damage and personal injury due to cybersecurity incidents.

There are a number of ways to mitigate cybersecurity risk, including:

  • Policies and training. The very best IT can’t prevent human error. It’s essential to implement clear policies on cybersecurity basics like use of strong passwords, multi-factor authentication, use of encryption for sensitive data, and restrictions on the use of removable media. It’s also essential to train employees on best practices, including how to recognize potential phishing emails and sensitive information to which they have been granted access.
  • Vendor management. Contracts with subcontractors, suppliers, and others are an essential component of mitigating cyber risk. Legal review of representations and warranties about the cyber practices of a business partner, along with appropriately tailored indemnification and hold harmless provisions, can be a foundation for mitigating cyber risk associated with doing business with third parties.
  • Insurance. Cyber insurance is widely available and can be an effective component of an overall insurance program. Most cyber policies cover the costs of forensic investigation and breach notification associated with a cyber incident, but many do not cover other costs that could be associated with a cyber incident. For instance, a business email compromise, in which a spoofed email dupes a company into wiring money or employee information to a fraudulent account, is often covered under a crimes policy. However, property damage, personal injury, and environmental damage, all of which are possible consequences of a cyber-attack, may be more likely excluded from cyber coverage and, instead, covered under general liability or other policies. Because of the many ways in which cyber threats can play out, and the intricacies of the intersection of various insurance coverages, it is essential to assess cyber coverage in the context of a comprehensive insurance program.


Cyber-attacks now occur to every class and size of business. Although the steps listed above can’t eliminate cyber risk altogether, they can greatly reduce the likelihood of an incident, and reduce its cost and impact if one occurs. The high cost of cyber-attacks makes going without cyber insurance a real risk.

Working with a trusted insurance agent who has proven expertise in cyber security and familiarity with the unique risks posed to the construction industry is the best way for companies to ensure that they are adequately covered.

Under a change to an NCCI rule, policyholders must now report any changes in the ownership of their business to their insurance carrier within 90 days.

When the ownership of a business changes, such as through a sale, transfer, merger, consolidation, or formation of a new entity, the change can affect your workers’ compensation experience modification factor (“mod”) that is assigned by NCCI. In the past, application of a revised experience mod, due to ownership change, was effective on the date a policyholder reported the ownership change. If the ownership change was reported to NCCI within 90 days of the change, the revised mod was applied as of the date of the change. If the ownership change was reported more than 90 days after the change, the revised mod was only applied as of the next rating effective date.

NCCI was concerned that policyholders were delaying their reporting of ownership changes/combinability status in order to delay a change in their current experience mod, so they proposed a change to the rule. NCCI determined that ownership and/or combinability status changes should be reflected in the purchaser’s and the seller’s mods as quickly as possible to ensure that the correct premium for the exposure is charged.

As of January 1, 2019, businesses have 90 days to report changes in their ownership in writing to their insurance carrier. Reporting may be done via a Confidential Request for Information Form (ERM-14), or in a narrative on your company letterhead and signed by an officer. If the change in ownership results in NCCI recalculating your experience mod, the insurance carrier will apply the new mod retroactively to the date of the change in ownership, regardless of whether the revised mod is an increase or a decrease.

The rule change also now requires all policyholders to report ownership changes to their workers’ compensation provider, even if the policyholder is not experience rated.

As always, if you have any questions regarding this update, please feel free to contact us. We are here to help.

At Gulfshore Insurance, “where relationships & trust are built” is more than our tag line; it is the foundation of our business. There is nothing more important to us than our relationship with our clients and the pride we take in serving as their insurance risk manager. As such, we are enormously proud to announce our partnership with a global network of insurance brokers, collectively known as Acrisure Partners.

This partnership supports Gulfshore Insurance’s client-oriented focus by expanding our resources and perpetuating our nearly 50-year tradition of impeccable service and innovative risk management. We assuredly remain “Gulfshore Insurance,” the local agency “where relationships and trust are built.”

Gulfshore Insurance will continue to operate with the same local team of exceptional insurance professionals that our clients know and trust, with the added benefit of becoming part of the fastest-growing company in the history of the insurance brokerage industry. Through the Acrisure partnership, Gulfshore Insurance now has access to a global network along with expanded resources to ensure clients receive more competitive, customized, and comprehensive solutions.

When clout matters, we are proud to be one of the top 10 insurance brokers in the world! Bigger may not always be better, but size and scale does matter when it comes to accessing additional resources and bringing more products and options to help our clients protect what matters most.