Andrew Blume, Author at Windermere Insurance LLC

Coverage Challenges Regarding Contractors and Subcontractors in Real Estate Development

May 23, 2023

Real estate developers hire a multitude of contractors to carry out their projects, including architects, engineers, property managers, and more. These professionals have unique liability risks and often carry specific insurance policies to safeguard against them. However, litigation targeting one of the contractors often names the developer, too. Commercial general liability insurance may not offer […]

23 May

Flooding, Erosion, Wind – Are We Covered?

May 16, 2023

Hurricanes produce destructive winds, driving rain, and surging flood waters. The federal government requires homeowners that live in high-risk flood zones to have flood insurance through the National Flood Insurance Program (NFIP). However, some lenders require flood insurance outside these zones if the flood risk is high enough. Properties outside flood-prone areas can still experience […]

16 May

Unique Risks for High-Net-Worth Individuals and Families

May 9, 2023

High-net-worth families are often masters of managing their business risks. However, individuals that attained their wealth through a family enterprise often overlook or underestimate crucial risks outside of the business. Family enterprise executives are often knowledgeable business leaders and can easily navigate threats to their enterprise. Unfortunately, risks on a personal level or unrelated to […]

9 May

New Risks for New Design and Infrastructure

May 2, 2023

The construction industry must contend with numerous risks that other sectors rarely need to consider. Additionally, these hazards are often unpredictable—particularly as technology continues to change what business-as-usual looks like for construction. It’s a considerable undertaking to account for and mitigate the various events that can derail construction projects. However, understanding the emerging and evolving […]

2 May

Critical Business Insurance Coverages

April 25, 2023

Business owners have plenty of options when it comes to insurance, and choosing the best policies for their needs can be challenging. Every business has unique risks, and essential policies for some industries are middling or marginal for others. However, some risks are universal, and all businesses must prepare for them. These include business liability, […]

25 April

Managing Remote Onboarding

April 18, 2023

Flexible work environments have become the norm, with many employees working from home for at least part of the week. Some companies decided to go 100% remote after their experiences with the pandemic illuminated the productivity benefits. Regardless of where employees work, they all need equal access to company resources to succeed—beginning with the onboarding […]

18 April

Best Home Hardware Upgrades to Weather Severe Storms

April 11, 2023

Hurricanes can cause significant damage to homes, and the necessary repairs and remodeling can be time-consuming and costly without adequate insurance coverage. While most people worry about their homes flooding during a hurricane, strong winds are often to blame for the bulk of the storm damage. Homeowners can take several steps to hurricane-proof their houses […]

11 April

How to Protect Your Wine Collection

April 4, 2023

Many wine collectors keep their collections in their homes for convenience, but this requires proper storage and protection measures. The most popular home storage methods include custom-built wine cellars, glass display areas showcasing a wine wall, and refrigerated wine cabinets or coolers. Wine collectors must also protect their wine from five common damage sources: heat, […]

4 April

Unique Coverage Risks for Residential Communities with Amenities

March 28, 2023

Amenities are a huge draw to potential tenants and homeowners looking to move into a residential community. However, those amenities can become a significant burden and financial drain for property managers that don’t secure them properly. For example, communal amenities like pools, playgrounds, or walking trails are in public spaces and require expensive equipment or […]

28 March

Cyber Liability Increases as Businesses Fall Behind

March 21, 2023

Cybercriminals have a significant advantage over businesses. They are always working on new tactics that keep the cyber risk landscape in a constant state of flux. Meanwhile, companies can’t predict when a hacker will strike, and many of their reactionary efforts prove futile or lacking. Small businesses are particularly vulnerable, and many underestimate or don’t […]

21 March