Risk Strategies

Automation is transforming industries, automating routine tasks and changing the nature of work. While some jobs may become obsolete, new opportunities are emerging. The key to success? A future-proofed workforce. LaRocca and Associates, a division of Risk Strategies Company, can help! We offer comprehensive workforce risk management solutions designed to identify potential disruptions and develop strategies to mitigate them. Let us help you future-proof your workforce and ensure your business remains competitive in the automated future. Call us today at (954) 938-9094 to schedule a consultation and discuss how to future-proof your workforce! #RiskManagement #Automation #LaRoccaAndAssociates

Ever seen a majestic iceberg floating in the ocean? While it appears impressive above the water, most of its mass is hidden beneath the surface. Your insurance policy can be similar. The surface might show comprehensive coverage, but what lurks beneath could be a whole different story – hidden costs that can leave you financially stranded when a claim arises. These hidden costs can include: Deductibles: That seemingly small amount you pay before insurance kicks in can become a significant expense if a major incident occurs. Coverage exclusions: Not all situations are created equal, and your policy might exclude specific events you weren't aware of. Policy limits: There might be a cap on how much your insurance covers for certain situations, leaving you on the hook for the rest. So, how do you avoid an insurance iceberg surprise? Here at LaRocca and Associates, we're your insurance Sherpa, guiding you through the complexities and ensuring your coverage is truly comprehensive. ?Give us a call today. (954) 938-9094

Thinking all renters insurance policies are the same? Think again! While they might seem similar at first glance, there are key differences that can make a big impact when you need it most. Here's why understanding these variations is crucial: ??? Coverage Limits: The amount your policy pays for a covered loss can vary significantly. Do your belongings deserve basic or premium protection? ?? Types of Losses Covered: Standard policies cover fire, theft, and vandalism, but some offer additional protection for things like water damage, food spoilage due to power outages, or even guest injuries. ?? Personal Liability Coverage: This protects you if someone gets injured in your apartment and sues you. The amount of coverage can vary, so choose wisely. ??? Additional Living Expenses: If your apartment becomes uninhabitable due to a covered event, will your policy cover temporary housing costs? Don't settle for a one-size-fits-all solution! At LaRocca and Associates, we work with you to understand your specific needs and recommend a renters insurance policy that provides the right balance of coverage and affordability. Call us today at (954) 938-9094 #RentersInsurance #PropertyInsurance #RiskManagement #FinancialPlanning #InsuranceEducation

The metaverse promises a thrilling virtual world, but with it comes unique cybersecurity challenges. Enhanced data collection, blurred lines between reality and virtual threats, and an evolving cybercrime landscape demand robust security measures. LaRocca and Associates can help! We offer consultations to develop a comprehensive metaverse security strategy, protecting your data and ensuring a safe virtual experience. Call us today at (954) 938-9094 to future-proof your virtual presence! #FutureproofingFriday #Metaverse #Security #LaRoccaAndAssociates

Are you considering taking your business to new heights in international markets? We specialize in providing comprehensive global risk management solutions that cover everything from insurance to compliance guidance and crisis management support. We understand the complexities of international business, and we can help you navigate these challenges with confidence. To discover how we can help you achieve your goals in the global marketplace reach out today! (954) 938-9094 #GlobalRiskManagement #InternationalInsurance #ComplianceGuidance #CrisisManagement #SuccessInInternationalBusiness #LaRoccaAndAssociates #RiskStrategies

Today's business climate is full of unforeseen challenges. Directors and Officers (D&Os) face increasing scrutiny and potential lawsuits, even for well-intentioned decisions. That's where Directors & Officers (D&O) liability insurance comes in. D&O insurance provides critical financial protection for your company's leadership team, covering legal expenses and potential settlements in the event of a lawsuit. At LaRocca and Associates, we understand the unique needs of each company. We work closely with our clients to craft comprehensive D&O policies customized to their specific risk profile and industry. Here's what sets LaRocca apart: ?? Experienced D&O specialists: Our team has a deep understanding of D&O coverage and the evolving legal landscape. ?? Tailored solutions: We don't offer one-size-fits-all solutions. We take the time to understand your company's needs and build a D&O program that protects your leadership effectively. ?? Competitive rates: We leverage our strong industry relationships to secure the best possible coverage at competitive rates. Don't leave your leadership team exposed. Contact LaRocca and Associates today to discuss your D&O insurance needs. (954) 938-9094 Risk Strategies Company #LaRoccaAssociates #RiskStrategies #BusinessProtection #Leadership

Know Your Rights, Own Your Power ?? This World Consumer Rights Day, we celebrate your power as a consumer! You have the right to information, safety, and choice when it comes to the products and services you use. At LaRocca And Associates, a division of Risk Strategies Company, we believe informed and empowered consumers are key to a healthy marketplace. #RiskManagement #LaRoccaAndAssociates #RiskStrategies #WorldConsumersRightsDay

?? Attention Employers ?? The IRS recently released reduced penalty amounts for employers subject to the Affordable Care Act's (ACA) pay-or-play rules in 2025. These penalties apply to large employers (ALEs) who fail to offer affordable, minimum value health insurance to their full-time employees. Here's a quick breakdown: "A" Penalties (failing to offer coverage): 2025: $2,900 per employee (down from $2,970 in 2024) "B" Penalties (offering unaffordable coverage): 2025: $4,350 per employee (down from $4,460 in 2024) While the penalties are lower, ALEs are still responsible for complying with ACA rules. This includes: ?? Properly identifying full-time employees eligible for coverage. ??Offering affordable, minimum value health insurance that meets specific cost-sharing requirements. Stay informed and avoid penalties! Reach out to the experts at LaRocca and Associates, a division of Risk Strategies Company, today to discuss your specific situation and ensure ACA compliance. We can help you navigate the complexities of the law and develop a plan that meets the needs of your business and employees. (954) 938-9094 #ACA #EmployerMandate #HealthInsurance #Compliance #IRS

Busting the Cyber Myth: Does General Liability Cover Cyberattacks? MYTH: General liability insurance covers all cyberattacks. FACT: Many standard policies exclude data breaches and cyber extortion, leaving your business vulnerable in today's constantly evolving online landscape. Don't leave your business exposed! Consider specialized cyber liability insurance to protect yourself from: ?? Data breaches and data loss. ?? Cyber extortion threats. ?? Network security breaches. ?? Regulatory fines and legal costs. The experts at LaRocca and Associates with help you stay informed and stay protected. Give us a call today. (954) 938-9094 #Cybersecurity #DataBreachProtection #CyberLiabilityInsurance

Today, we celebrate the extraordinary impact of women across all fields and communities. From pioneers and innovators to everyday heroes, women are driving change and shaping the world around us. At LaRocca And Associates, a division of Risk Strategies Company, we are proud to recognize the diverse and talented women who contribute to our success. We are committed to fostering an environment of equality, empowerment, and support for all. #InternationalWomensDay #WomenEmpowerment #EqualityForAll #RiskStrategies #LaRoccaAndAssociates