Author Archives: Floyd Arthur

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Floyd Arthur – Insurance Ideas: What Is Subrogation?

If you have any type of insurance policy, whether it’s business insurance, homeowner’s insurance or automobile insurance, you have probably come across the word “subrogation” somewhere in your policy terms. However, if you’re like many people, you are probably not entirely sure what it means. Subrogation Defined According to Webster, “to subrogate” means “to put

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Floyd Arthur’s Post: Families Facing Increased Out of Pocket Health Care Costs in 2016

As implementation of the Affordable Care Act enters its seventh consecutive year, an increasing number of insurance providers are removing spending caps on out-of-network health care costs in their “preferred provider” health plans.Further, many people who are choosing these plans are unaware of the change—a knowledge gap that may leave thousands of Americans facing astronomical

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Protect Your Business from a Pay-Discrimination Lawsuit with Employment Practices Liability Insurance by Floyd Arthur

In October 2015, Gov. Jerry Brown of California signed one of the strongest anti-discrimination laws in the United States. Titled the California Fair Pay Act, the statute addresses the persistent and pervasive salary gap between men and women that exists both in California and nationwide. Title VII of the Civil Rights Act of 1964 prohibits

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