Brian's Blog

The Scarborough Insurance blog is a place to learn about Scarborough Insurance's products, tips and community involvement.


We've Joined HUB International!

Effective May 1st, Scarborough Insurance is now part of HUB International. HUB is presently the 8th largest insurance broker in the world. This is by no means an exit strategy, but rather a growth strategy for the future of our agency.


The Rental Car Insurance Conundrum

When renting a car you are always given the option of electing the rental car company’s insurance. Rental car companies frequently assess additional charges in addition to replacing or fixing the rental vehicle that are not covered by your insurance.


March Madness

The term March Madness isn’t confined to college basketball. We’ve got late winter storms, cyber breaches, and plenty of action in Washington DC with regard to the future of health care. As a consumer, business or individual, you’re best bet is to align with a professional insurance agent to help you navigate the madness.


Happy Thanksgiving

On behalf of our family and agency staff, thank you to all of our customers and insurance carrier partners. We hope you all have a great Thanksgiving weekend. Should, however, the turkey fryer set the garage on fire, please rest assured that we’ll be here to help!

Happy Thanksgiving!

Brian & Rick Scarborough


Lessons from Matthew

We dodged a bullet in Alachua County last week. Hurricane Matthew could have been so much worse for us had it veered another 10-20 miles west. Hopefully, we’ll all take this opportunity to consider donating to organizations who help those who were less fortunate. Locally, consider donating blood to LifeSouth whose blood supply always dwindles after a major disaster.


Hurricane Matthew

In the interest in making sure our employees return safely home Friday, we will be dismissing our staff after lunchtime. This may change as the path of the storm is updated. In the event you sustain damage to your property, please remember the following-

- If your insurance policy is accessible, locate the claim contact information and make the claim direct to the carrier if we are not available;

- Do your best to safely preserve your property from further damage (i.e. tarp openings in your home/building, move property to higher ground if possible, contact contractors to begin drying out your home/building. Save receipts and avoid signing an “Assignment of Benefits” form with any contractor.

- Our after hours contact is Brian Scarborough- 352-665-7638.

Best of luck in the storm, we’ll be here to assist you in the aftermath!


Storm Preparedness

Now that Hurricane Hermine has passed and Florida was reminded that we do, in fact, have hurricanes, it is an excellent time to review your property coverage. Please contact us with any questions or to schedule a review. We are here to help!


Labor Day Contact Information

Our office will be closed through the Labor Day holiday on Monday. If you require assistance with a claim arising from the recent storm, please contact Brian Scarborough by email at brian@scarins.com or by phone at 352.665.7638. Thank you and enjoy your holiday!


Workers Compensation Rate Change

On May 27, the National Council on Compensation Insurance (NCCI) recommended a 17.1% rate increase to the Florida Office of Insurance Regulation to impact all workers compensation policies as of 8/1. This is a result of the Florida Supreme Court’s April ruling where they declared the cap on attorney’s fees that the Legislature passed in 2003 as unconstitutional.


Commercial Property- The Vacancy Clause

The ISO Commercial Property form (CP 00 10 10) is the most common commercial property coverage form utilized in the marketplace. Embedded within section E “Loss Conditions” is item 6- Vacancy which can restrict coverage in the event a covered property is deemed vacant at time of loss. The coverage form language is pasted at the end of this article for reference.


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