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Editor's Choice

Q&A With FAIA Chair Arturo Hoyo
By SHARON MOORHEAD, Contributing Editor
Arturo Hoyo takes over as chair of the Florida Association of Independent Agents in September. The insurance veteran has more than three decades of industry experience, most of it in the densely populated Miami area. Despite these turbulent times, he remains engagingly optimistic.
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Calendar

2010 Florida Council Meeting - NAIW
Tradewinds Resort, St Pete Beach, FL
September 10, 2010
PLRB/LIRB 2010 Large Loss Conference
New Orleans Marriott, New Orleans, LA
November 16, 2010
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Personalities

TIM HOELLE

E&S Sees More Competition, Less Premium

Florida’s E&S market is seeing increased competition from standard lines and decreasing business. Why, then, do so many new agents want in?

LYNNE MCCHRISTIAN

Flood Insurance and Florida’s Resistant Homeowners 
 
Floods can happen anywhere, and in Florida, they happen often enough for prudent people to consider flood insurance as essential protection. In strained economic times, however, homeowners are looking to save money any way they can, and many are choosing to eliminate their flood coverage. They are being “pennywise and pound foolish.”
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Topics

Agency Management »
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Carriers and agents have faced challenges for decades, but current industry and economic factors are producing some unique circumstances. In the wake of financial meltdowns and unexpected company...
Commercial Lines »
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According to a recent report by the Identity Theft Resource Center (ITRC) in San Diego, there were 656 data breaches reported in 2008. This represented a significant increase...
Industry Information/Overviews/Markets »
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A View From the Insurance Office — ’76-’89 
Many may not have known that when I began my career over 40 years ago, I was a State Farm agent in Orlando. How ironic that today I am a part of an independent agency...
Excess and Surplus/Specialty Lines »
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The Q&As of E&O  
It is said that the teacher learns as much, if not more, than the student. As an instructor with the Florida Association of Insurance Agents, I am living proof of that axiom. One of the most valuable...
Legislation/Regulation »
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Cat Fund Remains Exposed 
Despite recent attempts to stabilize its financial health, questions remain about the state’s backup insurance fund’s ability to pay off claims in the event of a major storm in the coming months....
Workers' Compensation »
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When most people think of workers’ compensation fraud, they envision an employee filing a claim for a leg injury only to be caught running a marathon a few weeks later. But it is a different type of...
Personal Auto/Life/Health »
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Imagine that one of your customers walks into your agency looking for insurance for his new travel trailer. You pull a quick quote for an endorsement on his existing car insurance policy. Pleased...
Property »
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Two years ago Gov. Charlie Crist put a prayer inside a crack of the famed Western or Wailing Wall in Jerusalem asking that God spare Florida from hurricanes. A year ago, State Sen. Nan Rich...

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