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Condominiums, Cooperatives, Homeowners Associations, and Timeshares Written by Bellken Insurance Group, Inc. on Jan 6, 2017

It can be very confusing, even for a seasoned agent, to determine which insurance statutes apply to each type of association.  When analyzing the statutory and insurance coverage issues the first stop must be the bylaws and documents of the association.  This is the only true way to determine the type of entity you are dealing with.  If the proper insurance policy is not used to cover the entity, it is like giving a ...

Indemnity & Insurable Interest – An Unbreakable Bond Written by Bellken Insurance Group, Inc. on Jan 2, 2017

There are two elements that must be present in all insurance contracts for them to function properly.  Indemnity and insurable interest must be present otherwise there is no insurance.

The principal of indemnity is a basic tenant of insurance and states that the insured should not profit ...

Shop For an Insurance Agent - Not an Insurance Quote Written by Bellken Insurance Group, Inc. on Dec 31, 2016

Managing your insurance is a task that is overly complicated. The process is not transparent and comparing quotes is difficult at best.  By understanding the quoting process better, you can make the best possible decision regarding a budget item that could have a material impact on the bottom line.  In today’s commercial insurance market place the rates are in flux and the coverage options are increasing.  To succeed in this market, it’s important to understand how ...

Never Shop Your Commercial Insurance Written by Bellken Insurance Group, Inc. on Aug 19, 2016

UNLESS YOU ARE PREPARED TO MAKE A CHANGE IN AGENTS

Are you an insurance “shopper”?  One of the worst things you can do is to behave as the typical insurance buyer.  This is the buyer that makes multiple copies of their insurance policies and invites multiple agents to bring quotes from multiple insurance companies, asking that they quote “what I have now; Apples to Apples.”
Assuming that you have three different agents that go ...

New Office Written by Bellken Insurance Group, Inc. on Oct 25, 2015

Bellken Insurance Group has moved their offices effective 10/26/2015. Of new office is located at 4780 SW 64th Avenue, Suite 104, Davie FL 33314.