As we head deeper into 2025, technology errors and omissions insurance (Tech E&O) is quickly becoming a must-have for Florida-based technology providers, SaaS companies, MSPs, and even digital marketing firms. This surge is being driven by increasing contractual requirements, heightened cyber threats, and evolving privacy laws.
At Barefoot Insurance Brokers, we help business owners not only secure affordable Tech E&O coverage, but understand the why behind it.
So—what’s driving the demand? Our underwriting partners and carriers like Corvus have flagged three major trends that every business owner should know:
🔐 1. Credential-Based Attacks Are Surging
Ransomware is evolving—and attackers are getting smarter. One of the biggest threats in 2025 is credential-based attacks targeting:
Weak or reused passwords
VPNs without multifactor authentication (MFA)
Remote access tools with poor security
According to industry data, nearly 30% of ransomware incidents in late 2024 stemmed from compromised credentials. The MOVEit breach is a perfect example: over 2,700 organizations—including universities and hospitals—were affected, even if they never used the software directly.
Tech E&O policies with strong cyber endorsements can help cover these types of vulnerabilities and protect businesses from third-party liability.
⚖️ 2. Privacy Lawsuits Are Heating Up
In 2024, lawsuits under BIPA, CCPA, CIPA, and similar data privacy regulations increased dramatically—and that trend is continuing into 2025. Even without a data breach, companies are facing legal action due to:
Improper cookie use
Ad tracking without consent
Sharing video or behavioral data
What does this mean for your Florida-based business? You need:
Clear privacy policies
Consent management tools
Cyber insurance that covers regulatory defense and fines
Our team at Barefoot Insurance Brokers will work with underwriters who understand these exposures and can tailor coverage to your business’s actual risk.
👩💻 3. Specialized Underwriters Make a Big Difference
Tech E&O applications can be complex. Underwriters are now asking detailed questions about:
Data collection and retention practices
Whether users can opt out of tracking or sharing
Security protocols like MFA and endpoint protection
That’s why it’s crucial to work with specialized Tech E&O and Cyber underwriters—not generalists. At Barefoot Insurance Brokers, we partner with carriers who combine underwriting with cyber risk advisory and claims expertise to deliver smarter policies and faster responses when it counts.
🛡️ Secure Your Tech E&O Insurance with Confidence
Whether your business is in Miami, Orlando, Tampa, Jacksonville, or anywhere across Florida, our team at Barefoot Insurance Brokers is here to help you navigate this rapidly changing market.
We offer custom Tech E&O and cyber liability insurance solutions that meet contract demands and protect your business from real-world risk—at competitive rates.
2025 is no time to leave your business exposed. Let us help you stay protected and compliant—before a cyber incident or privacy complaint becomes a costly problem.
In the state of Florida, Progressive Insurance generally follows standard auto insurance practices when it comes to temporary substitute vehicles and coverage transfers, but it’s important to review your specific policy for exact terms. Here’s a general breakdown of what is typically considered a temporary vehicle and how liability coverage may transfer:
✅ Definition of a Temporary Vehicle
A temporary substitute vehicle is usually defined as:
“A vehicle you do not own, which is used temporarily in place of your covered vehicle when your vehicle is out of normal use because of breakdown, repair, servicing, loss, or destruction.” For the sake of this post, lets consider that you rented a car from a major rental car agency like Enterprise, Avis or Thrifty, for example and fully paid out of pocket for the rental car.
📌 Requirements for Liability Coverage to Transfer
For Progressive to transfer liability coverage to a temporary vehicle in Florida, the following conditions usually must be met:
You must have an active auto policy with Progressive.
The temporary vehicle is:
Not owned by you or a resident of your household.
Being used as a replacement while your covered vehicle is disabled or unavailable.
The use must be temporary (short-term use).
The replacement must be similar in use to your insured vehicle (e.g., replacing a private passenger car with another private passenger car, not a commercial vehicle).
🚫 When Coverage May Not Transfer
If the temporary vehicle is rented or leased for an extended period.
If you’re using a friend’s or relative’s car not as a replacement, but just for convenience.
If the vehicle is used for business or commercial purposes, unless your policy includes such use.
🛑 Important Caveat:
Progressive (like other insurers) may differ slightly in their policy wording, especially for commercial policies or if you have endorsements added to your plan.
🔍 Best Practice:
To be 100% sure, it’s always best to:
Review your declarations page and policy wording under the section “Temporary Substitute Vehicle” or “Other Vehicles.”
Or, call Progressive Customer Service or your local Progressive insurance agent to confirm how your liability coverage would apply in a specific situation.
Are you seeking a local Progressive Insurance Agent? Look no farther than Barefoot Insurance Brokers in Margate, FL, servicing Progressive Insurance clients in Margate, Coral Springs, Tamarac, Coconut Creek and Parkland. Call us today at 954-368-0060 and dial x 1 for new quotes.
Florida’s Space Coast—with its stunning beaches, vibrant communities, and space-age history—is a beautiful place to live. But for homeowners in Brevard County, especially in areas like Merritt Island and Cocoa Beach, owning property along the coast also comes with unique risks that make specialized coastal property insurance not just a recommendation—but a necessity.
Coastal Living = Coastal Risk
Living near the water has its perks, but it also means exposure to:
🌪️ Hurricanes and tropical storms
🌊 Storm surge and coastal flooding
🏚️ Saltwater corrosion that can damage building materials and infrastructure
🔥 Limited evacuation routes and emergency services during major storms
Barrier islands like Merritt Island and Cocoa Beach are particularly vulnerable because they sit between the Atlantic Ocean and the Indian River Lagoon—making them prime targets for high winds, rising tides, and storm-driven water intrusion.
Why You Need Specialized Coastal Property Insurance
Standard homeowner’s insurance may not be enough to cover the unique exposures of owning a home near the shoreline. Ryan Sintay, an experienced Florida-licensed Property & Casualty Insurance Agent, works directly with top carriers that understand the Florida coast and offer tailored policies to protect high-value and waterfront properties.
Ryan helps you:
Identify hazard and flood risk exposures
Compare policies with custom coverage limits
Understand windstorm and hurricane deductibles
Ensure compliance with lender and FEMA flood insurance requirements
Prepare for future rate changes and insurance reform in coastal zones
Space Coast Expertise You Can Trust
With over a decade of experience insuring coastal homes across Florida, Ryan focuses on helping residents of the Space Coast, including Satellite Beach, Merritt Island, Cocoa Beach, Melbourne Beach, and beyond. Whether you’re new to the area or reviewing your current policy, Ryan offers free insurance reviews and personalized quotes designed to meet the needs of Florida’s waterfront homeowners.
📞 Call Zack Epstein today at 321-218-3880 📧 Or email zack@barefootins.com for your free coastal property insurance quote.
Don’t wait until the next storm is on the radar—protect your home now with a tailored coastal insurance strategy.
Barefoot Insurance Brokers Now Partnered with GEICO for Personal & Commercial Auto Insurance in Florida! 🚗🦎
Barefoot Insurance Brokers Now Partnered with GEICO for Personal & Commercial Auto Insurance in Florida! 🚗🦎
We’re thrilled to announce an exciting new partnership that brings even more value to our clients—Barefoot Insurance Brokers is now an official Independent Agency partner of GEICO for Personal and Commercial Auto Insurance throughout Florida!
That means you can now get the trusted coverage of GEICO with the personalized service of a local independent agent—right here in Margate.
Why This Matters
With GEICO’s well-known competitive rates, fast claims service, and powerful brand, combined with Barefoot Insurance Brokers’ local expertise and hands-on support, Florida drivers now have the best of both worlds.
Whether you’re looking for affordable car insurance, a commercial auto policy for your business, or coverage for rideshare driving, we’re here to make the process simple, transparent, and personalized.
Visit Us for Local, Face-to-Face Service
Our office is located at:
📍 1141 Banks Rd, Margate, FL 33063
We proudly serve drivers and business owners in:
Coral Gate
Royal Palm Gardens
Southgate
Paradise Gardens
North Lauderdale
Coconut Creek
Pompano Beach
Tamarac
No more long call center waits—get GEICO coverage with real, local support from people who live and work in your community.
Let’s Get You Covered
Whether you’re new to GEICO or just want to see how much you can save by switching, give Alexandra Horblitt a call today at 786-440-8242 or stop by our Margate office.
Your car, your business, your coverage—powered by GEICO, delivered by Barefoot.
