business

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What’s in Your Business Insurance Program?

By Joe Capers Whether you are a sole proprietor, partnership, LLC, joint venture or corporation, the type of business insurance you’ll need depends on the type of business you own, the services you provide, and how many employees you might have. All of this information will be used to help provide you with recommendations for […]

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Key Numbers We Are Watching During These Times

While the economy rebounds and fears of inflation abound, we continue to watch those indicators we believe will help us and our clients make well informed decisions as to the direction and allocation of their investments. We do not try to predict markets but rather strive to be ready vs trying to be right. With […]

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My Rental Property Insurance Program: Coverage Checklist 

By Joe Capers Our beautiful areas of NW Florida are popular destination for vacation home renters. And we must be alert to the fact that standard homeowners and condo insurance policies are designed to cover only owner-occupied or secondarily occupied properties with no rental exposure. The intention is not to cover a home that is rented out to guests. Many insurance companies […]

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Rule Your Attic

Pop quiz:  Which state had the highest relative humidity in 2020?  Was it Hawaii?  Florida?  Louisiana?  The answer, none of those, Alaska ranked number one last year in relative humidity.  Don’t be upset, Florida followed closely behind and ranked second.  I’m proud to be living in a State which always ranks high on rising temperatures […]

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Key Numbers We Are Watching

By Maurice Stouse, Financial Advisor and Branch Manager While the economy rebounds and fears of inflation abound, we continue to watch those indicators we believe will help us and our clients make well informed decisions as to the direction and allocation of their investments. We do not try to predict markets, but rather strive to […]

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Market Leaders Thus Far in 2021?

By Maurice Stouse, Financial Advisor and Branch Manager The Energy Sector. According to Raymond James, “The Energy Sector remains the best performer in 2021, up 35% (10% greater than the next best sector) while the clean tech index is down 47% from its peak in February.” (Raymond James Energy Daily Update May 14, 2021). Last […]

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Benefits of a Customized Condo Unit Owners Policy

By Joe Capers The current condo laws in Florida places fiduciary responsibilities on Unit Owners and Board Members. It is very important to understand the requirements and design your policy to maximize your condo insurance program protection whether used as your primary, secondary residence or rental. And make sure your packages include Hurricane/Wind coverages and […]

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Meet our Local Pro: Tom Stein of Thos. Stein Inc.

By Lori Leath Smith Local contractor Tom Stein had a hunch—he predicted there would be a need for quality and affordable site development in our area. That was more than 35 years ago when he had moved to Walton County to help found the community of Seaside located on then rural County Road 30a. A […]

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Small Business Connect begins again in Spring

Weekly meetings held at Destiny Worship Center   A Free business networking group has started up once again at Destiny Worship Center in Miramar Beach. The group has been meeting each week for the past 5 years but slowed during the pandemic. Weekly meetings for the Spring Semester are in full swing. The group meets […]

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