Gulfshore Insurance > Client Alerts & Insurance News > Our Top 10 Articles of 2020

Commercial Lines Top 10 Blog Posts of 2020In 2020, Gulfshore Insurance published over 150 new articles. To make sure you don’t miss out, we’ve compiled a curated list featuring the top 10 most read and most shared articles from the past year.

  1. Insurance Market Update for Associations
    For many associations, insurance premiums are the largest overhead cost, so it’s very important to accurately forecast any changes. Each year, we review market conditions and trends that may impact your insurance renewal premiums, providing you with an educated look at how they may impact your association’s budget.
  2. Preliminary Flood Insurance Rate Map Changes
    FEMA recently released preliminary revisions to the Flood Insurance Rate Map (FIRM) in Florida. With many homeowners, unit owners, and associations compelled to purchase Flood insurance annually, this created many questions as to how the revisions may affect policyholders’ premiums.
  3. What To Do if an Employee Tests Positive for Coronavirus
    It’s very likely that if you’re considering reopening your office—or if you already have—that you’ve taken the time to communicate a return-to-work action plan to your employees. Likewise, it’s recommended that all employers consult a reopening checklist to ensure that they’re keeping their team as safe as possible before and during the first phases of workplace re-entry.
  4. DOL Outlines Coronavirus Relief Law’s Paid Leave Requirement
    On March 24, 2020, the U.S. Department of Labor’s (DOL) Wage and Hour Division (WHD) issued guidance explaining the paid leave requirements under the federal Families First Coronavirus Response Act (FFCRA).
  5. Coronavirus Bill Requiring Paid Employee Leave Signed to Law
    On March 18, 2020, President Trump signed the Families First Coronavirus Response Act (the Act) into law. The Act requires employers to provide paid leave for some employees related to the coronavirus (COVID-19) pandemic, among other measures. The leave provisions of the Act take effect no later than 15 days after it is signed by the president.
  6. NCCI Files 5.7% Workers Compensation Rate Decrease
    The National Council on Compensation Insurance (NCCI) recently delivered its annual workers’ compensation insurance rate filing to the Florida Office of Insurance Regulation. Based upon its review of the most recent data available, NCCI has proposed an overall average rate level decrease of 5.7 percent, effective January 1, 2021 in Florida.
  7. Home Replacement Cost Explained
    The replacement cost of a home on a homeowner’s insurance policy has always been a large part of the discussion among homeowners, insurance advisors, and insurance companies. This is due to the significant role a home’s replacement cost plays in insurance pricing as well as its lack of correlation to other home valuation methods.
  8. Top Five Reasons to Consult with a Florida Insurance Professional
    Florida insurance can be complicated. With so many new or seasonal residents purchasing additional properties in the sunshine state, it is critical to provide proper insight on the potential challenges of insuring a Florida home.
  9. Workers’ Compensation Rate Decrease Approved
    Florida Insurance Commissioner David Altmaier recently issued an Order​ to the National Council on Compensation Insurance (NCCI) requesting an amended rate filing to further reduce workers’ compensation rates for 2021.
  10. How Well Do You Know Your Business’ Cyber Exposure?
    In today’s world, doing business online is an everyday occurrence, but for businesses, it does carry increased risks.  Do you know what your exposure is? Gulfshore Insurance is pleased to offer Cyber Liability insurance. To find out if you may need this type of protection, take this 8-question quiz.

Ryan Schmidt is a Client Advisor and Partner with Gulfshore Insurance. Ryan specializes in working with commercial clients. Comments and questions are welcome at

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in home and homeowners insurance, car and auto insurance, boat and yacht insurance, property insurance, umbrella insurance, valuables insurance for fine art, jewelry, wine, and more. Navigating insurance requires an experienced and trusted insurance agent who understands your high net worth risks and exposures. Gulfshore Insurance services Naples, North Naples, Port Royal, Park Shore, Pelican Bay, The Moorings, Naples Beach, Marco Island, Bonita Springs, Sanibel Island, Captiva, Fort Myers, Sarasota, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.