Why Florida's Hurricane History Is Reshaping Commercial Insurance Forever
Why Florida's Hurricane History Is Reshaping Commercial Insurance Forever Florida's commercial insurance market isn't just different—it's fundamentally altered by decades of hurricane damage and regulatory responses. While other states debate standard coverage limits, Florida businesses face a landscape where traditional assumptions about risk and pricing simply don't apply . At Amerus Insurance Group , we've watched this transformation accelerate after each major storm season. The rules that work in Georgia or Alabama often create dangerous gaps here. Understanding why requires looking beyond basic coverage to how Florida's unique regulatory environment shapes every aspect of commercial protection. The Assignment of Benefits Crisis That Changed Everything Here's what most business owners don't realize: Florida's Assignment of Benefits (AOB) laws created a litigation explosion that fundamentally altered how carriers approach commercial a...