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Post-Storm Checklist

… Separate Property. With respect to your personal property, and to the extent possible, separate the damaged and undamaged items. Unless there is a safety or health concern with damaged property, do not destroy the damaged items until your insurance company has had a chance to inspect them. Document/Photograph Damaged Property. Take multiple photographs of damaged rooms, furnishings, personal property (including automobiles), etc., especially for those damaged items you cannot retain until your insurance company has a chance to inspect them. Be sure to enable geotagging (turn on location services) when taking photographs or video, which may help ease your

https://www.epicbrokers.com/products/claims-advocacy/disaster-preparedness/post-storm-checklist/

Risk and Resilience: A Closer Look at Florida’s Property Insurance Market

… All Options: Find ways to safeguard. Mitigating properties to prevent damage, adding superior alarms for additional discounts (water leak detection, lightning protection, or installation of permanent generators), choosing the right location, and reviewing the marketplace are key to a successful insurance program. Choose A Knowledgeable Broker: EPIC advisors stand ready to address your insurance and risk management needs. Finding a knowledgeable broker that has broad marketing capabilities is important. At EPIC, our national footprint includes a regional Boca Raton, Florida location, which enhances our expertise and carrier choices. For more information, visit our Private Risk page or contact us directly.

https://www.epicbrokers.com/insights/floridas-property-insurance-market/

ICHRA: Not Your Parents’ Employee Benefits…Better

… offer ICHRA tax credits for small businesses. Working for you at the intersection of cost and culture Our job as your employee benefits advisor is to build a plan at the intersection of cost and culture that is tailored to you and your employees, whether you’re in the same location or remote and spread out across the country. Your EPIC advisor uses sophisticated technology and modeling that allows us to apply your desired outcome with your population’s health, age, and geography to determine your optimal path to your ideal offering and savings. We look forward to showing you …

https://www.epicbrokers.com/insights/ichra-individual-coverage-hra/

Long-Term Care Insurance: Value-Added Benefit or New State Payroll Tax?

… A 401(k) is a known financial vehicle to support us into retirement while private long-term care insurance is becoming increasingly relevant as a protection of our 401(k) assets. Here are some factors to consider when determining if LTC is right for your employee population: Is the geographic location of your employees likely to be impacted by the legislative landscape of their state(s)? This could determine whether you look at this sooner rather than later. Do employees value and participate in optional life insurance? If yes, they may be interested in purchasing this type of product. Many …

https://www.epicbrokers.com/insights/long-term-care-value-add-payroll-tax/

Small Business

… and protect your business legacy together. “*” indicates required fields First Name*Last Name*Address* Street Address City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Email* PhoneCompany Name*Company Location (State)*– Select a state –AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingApproximate Number of Employees– Select number of employees –Fewer than 2525 – 99100 – 249250 – 499500 – 1,000More than 1,000Consent* I agree to the privacy policy and statement below.The information you enter in the message …

https://www.epicbrokers.com/products/small-business/

Senior Care Insurance Market Update

… carriers will offer $10 million limits on excess layers, though $5 million per carrier is the average limit in an excess program. However, with many markets emerging, it has become easier to fill up a tower at competitive rates. Retentions Shifting Higher Small, single-location facilities in favorable venues may still have first-dollar coverage; however, larger deductibles and self-insured retentions up to $500k each occurrence are standard for the larger operators who wish to take on more risk and premium savings. Some markets can offer inner aggregate risk corridors to offset premium increases. The most sophisticated operators …

https://www.epicbrokers.com/insights/senior-care-insurance-market-update/

Personal Insurance Sales Inquiry

… For individuals with custom homes, high-value autos, collections, and excess liability needs for $10M+ Premier Service – Standard insurance programs for individuals and families Family Office – Comprehensive risk management for multi-generational wealth and complex asset structures This field is hidden when viewing the formVessel Information*Vessel ModelVessel ValueVessel AgeVessel Location Add RemoveobsoleteWe’re here to help you build an EPIC insurance plan! What’s motivating you to explore a new insurance program today? Motivation Desire for a More Consultative Approach Access to Comprehensive Coverage Expectation of Better Service Opportunity for Lower Premium Need for Claims Advocacy New Property in …

https://www.epicbrokers.com/personal-insurance-sales-inquiry/

EPIC Continues Expansion, Invests in Jersey City Office

… offices across the country and just launched our Jersey City office as EPIC continues to expand throughout the United States,” said Kenneth Hegel, Managing Principal/EVP Middle Market & Specialty Programs Practice Leader, “This stunning new office is designed to meet the needs of today’s diverse workforce, with a central location near Manhattan, amazing views and enticing amenities for employees.” EPIC offers a wide range of insurance solutions, including Property and Casualty, Employee Benefits, and Specialty Programs. They have extensive expertise in Cyber Practice, Entertainment and Virtual World Spaces. The new location has specialties in serving Cosmetic Surgery and Psycho …

https://www.epicbrokers.com/insights/epic-continues-expansion-invests-in-jersey-city-office/