#fine art insurance brokers

[firstclassinsurance]

Artistic Treasures Secured: Fine Art Insurance Options in Florida

In the realm of art, every stroke, every curve, every piece holds a story, a sentiment, and an intrinsic value that transcends mere monetary worth. For collectors, artists, and admirers alike, these artistic treasures stand as testaments to human creativity, culture, and history. However, safeguarding these treasures isn't just about protecting their physical form; it's about preserving their essence, their significance. This is where fine art insurance steps in, offering a shield against the unforeseen and the unpredictable, ensuring that these treasures remain protected and cherished for generations to come.

In the vibrant state of Florida, renowned for its artistic dynamism and cultural richness, the need for comprehensive fine art insurance solutions is paramount. Enter FirstClassIns.com, a beacon of reliability and expertise in the realm of insurance, offering tailored and robust insurance options specifically designed for the fine art insurance florida.

Understanding the Value of Fine Art Insurance

Fine art insurance isn't just another financial safeguard; it's a meticulous craft that takes into account the nuances of art valuation, preservation, and risk management. For collectors, artists, galleries, museums, and even emerging art enthusiasts, having the right insurance coverage means more than just financial reimbursement; it means the assurance that their passion, investment, and legacy are safeguarded.

FirstClassIns.com recognizes the unique needs of the Florida art community, understanding that the diverse range of artworks, from contemporary masterpieces to classical artifacts, requires specialized insurance solutions. With a deep understanding of the intricacies of the art world, they offer comprehensive coverage that extends beyond standard insurance policies.

Tailored Solutions for Florida's Artistic Landscape

Florida's artistic landscape is as diverse as its population, encompassing a wide spectrum of art forms, from fine art and sculpture to avant-garde installations and culturally significant artifacts. FirstClassIns.com recognizes this diversity and offers specialized insurance plans that cater to these distinct genres and forms of art.

1. Customized Coverage for Various Art Forms

Whether it's protecting a valuable collection of paintings, sculptures, photography, or rare artifacts, First Class provides tailored insurance solutions that consider the uniqueness of each piece. Their policies are designed to encompass the specific risks associated with different art forms, ensuring comprehensive protection against damage, theft, transit risks, and more.

2. Expert Risk Assessment and Valuation

Valuing art is an intricate process that requires expertise and finesse. It collaborates with seasoned art appraisers and experts who understand the nuances of art valuation. Their in-depth knowledge ensures accurate assessment and valuation of artworks, providing clients with the confidence that their pieces are appropriately insured based on their true value.

3. Specialized Coverage for Exhibitions and Events

Art exhibitions and events are integral to Florida's vibrant art scene. It also offers specialized coverage for these occasions, providing comprehensive insurance solutions that safeguard artworks on display, during transit, and throughout the duration of the event, mitigating risks associated with public showcases.

Why Choose FirstClassIns.com?

First Class Ins isn't just an insurance provider; it's a trusted partner dedicated to preserving the essence and significance of artistic treasures. Their commitment to understanding the specific needs of the Florida art community sets them apart:

Expertise: With a team well-versed in art insurance intricacies, they offer unparalleled expertise and guidance.

Tailored Solutions: Their bespoke insurance plans cater to the diverse range of art forms prevalent in Florida.

Client-Centric Approach: Understanding the unique requirements of each client, they craft personalized insurance solutions that prioritize individual needs.

In conclusion, the realm of fine art demands more than just conventional insurance coverage. It requires a nuanced understanding of art's value, significance, and the associated risks. FirstClassIns.com stands as a stalwart guardian, ensuring that Florida's artistic treasures remain secured, cherished, and celebrated for generations to come. With their specialized expertise and tailored solutions, they embody the essence of safeguarding artistic legacies, making them the premier choice for fine art insurance in Florida.

[safeguardinsuranceservices]

Understanding High Value Insurance: What You Need to Know

High value insurance is a specialized form of coverage designed to protect assets that exceed typical policy limits. This article explores the intricacies of high value insurance report , highlighting key aspects that individuals and businesses should consider when seeking comprehensive protection for valuable assets.

What is High Value Insurance?

Definition and Scope

High value insurance is tailored for assets that hold significant financial value, such as luxury homes, fine art collections, jewelry, vintage cars, and high-end electronics. Standard insurance policies may not adequately cover the full value of these assets, making specialized coverage essential.

Coverage Features

Higher Coverage Limits: Unlike standard policies, high value insurance offers higher coverage limits that align with the appraised value of insured items.

Broader Coverage: It typically includes broader coverage options, such as worldwide coverage, no deductible options, and coverage for restoration costs.

Who Needs High Value Insurance?

Target Audience

High Net Worth Individuals: Individuals with substantial assets benefit from high value insurance to protect their investments against potential risks.

Businesses and Institutions: Businesses and institutions with valuable assets, such as museums, galleries, and private collectors, also require specialized coverage.

Asset Types Covered

Luxury Homes: Protection for high-value residences against risks like fire, theft, and natural disasters.

Art and Collectibles: Coverage for fine art collections, antiques, and rare collectibles.

Jewelry and Watches: Insurance for valuable jewelry, watches, and gemstones.

Classic Cars: Protection for vintage and classic automobiles against damage, theft, and depreciation.

Electronics and Gadgets: Coverage for high-end electronics and technological equipment.

Benefits of High Value Insurance

Advantages

Comprehensive Protection: Ensures that valuable assets are fully covered, offering peace of mind against unforeseen events.

Customized Coverage: Policies are tailored to meet the unique needs of each insured asset, providing flexibility and specific protections.

Risk Mitigation

Risk Diversification: Spreads risks across multiple insurers or policies to minimize financial exposure.

Loss Prevention: Promotes proactive risk management through inspections, appraisals, and security measures.

Choosing the Right Policy

Considerations

Asset Valuation: Accurate appraisal of assets to determine appropriate coverage limits and premiums.

Policy Exclusions: Understanding exclusions, such as wear and tear, gradual deterioration, and acts of war, that may impact coverage.

Policy Comparison

Reviewing Terms: Comparing policy terms, conditions, coverage limits, deductibles, and premium costs from multiple insurers.

Seeking Professional Advice: Consulting with insurance brokers or advisors specializing in high value insurance for personalized guidance.

Conclusion

High value insurance plays a crucial role in safeguarding valuable assets from significant financial losses due to unforeseen circumstances. By understanding the nuances of high value insurance policies, individuals and businesses can make informed decisions to protect their assets comprehensively. Whether it's a luxury home, prized art collection, or vintage car, investing in specialized coverage ensures peace of mind and financial security in the face of risks.

[ajaymane1]

Unveiling the Truth: Health Insurance Companies Exposed

In the labyrinth of health insurance, finding the optimal coverage feels like decoding a cryptic puzzle. With an array of companies vying for attention, it's crucial to navigate through the maze armed with insider knowledge. Welcome to the definitive guide where the curtain is pulled back on health insurance companies, revealing insider tips to secure the best coverage.

The Inside Scoop on Health Insurance Companies

Deciphering Coverage Options

Understanding the coverage options is akin to unlocking the first door to insurance enlightenment. Health Insurance Companies Exposed: Insider Tips for Getting the Best Coverage begins with dissecting the various plans available, from HMOs to PPOs, shedding light on their intricacies and guiding you towards the optimal choice for your needs.

Evaluating Network Providers

The network of healthcare providers plays a pivotal role in your insurance journey. We delve deep into the importance of in-network versus out-of-network providers, offering insights on how to leverage this aspect to your advantage and maximize coverage while minimizing costs.

Cracking the Cost Code

Costs often lurk in the shadows, waiting to ambush the unsuspecting policyholder. Our guide shines a spotlight on premiums, deductibles, and co-pays, unraveling the complexities to empower you with the knowledge needed to make informed financial decisions.

Unveiling Hidden Benefits

Beyond the surface lies a treasure trove of hidden benefits offered by savvy insurance companies. From wellness programs to telemedicine services, we unveil these concealed perks, ensuring you extract maximum value from your insurance investment.

Mastering the Art of Claims

Submitting a claim shouldn't feel like navigating a bureaucratic labyrinth. Our guide equips you with insider strategies to streamline the claims process, demystifying jargon and providing actionable tips to expedite reimbursement.

Unlocking Discounts and Incentives

Who doesn't love a good discount? We reveal the secret handshake to unlocking discounts and incentives offered by health insurance companies, allowing you to stretch your dollar further without sacrificing coverage.

Navigating the Fine Print

The devil is in the details, they say, and nowhere is this truer than in insurance contracts. Our guide meticulously scrutinizes the fine print, deciphering legalese and flagging potential pitfalls to ensure you enter into agreements fully informed.

Leveraging Technology for Convenience

In the digital age, technology serves as a powerful ally in the realm of health insurance. From mobile apps for claims submission to online portals for policy management, we explore the technological advancements revolutionizing the insurance landscape.

Staying Ahead of Policy Changes

The only constant in the world of insurance is change. Our guide keeps you one step ahead by providing insights into upcoming policy changes, empowering you to adapt proactively and safeguard your coverage.

Seeking Expert Guidance

When in doubt, seek guidance from the experts. We highlight the value of insurance brokers and advisors, offering tips on selecting reputable professionals to guide you through the intricacies of the insurance market.

Avoiding Common Pitfalls

Forewarned is forearmed. Our guide identifies common pitfalls to avoid when navigating the insurance landscape, from underestimating healthcare needs to overlooking policy exclusions, ensuring you steer clear of potential pitfalls.

Securing Peace of Mind

Ultimately, the goal of insurance is to provide peace of mind. Our guide culminates in strategies to achieve this elusive state, empowering you to navigate the complex world of health insurance with confidence and clarity.

Health Insurance Companies Exposed: Insider Tips for Getting the Best Coverage

Armed with insider tips gleaned from our comprehensive guide, you're now ready to embark on your health insurance journey with confidence. By leveraging the knowledge imparted in this article, you can navigate the labyrinth of health insurance companies with ease, securing the best coverage to safeguard your health and financial well-being.

Frequently Asked Questions

What factors should I consider when choosing a health insurance plan? When selecting a health insurance plan, consider factors such as coverage options, network providers, costs, and additional benefits tailored to your specific healthcare needs.

How can I lower my health insurance premiums? You can lower your health insurance premiums by opting for a higher deductible, maintaining a healthy lifestyle, taking advantage of employer-sponsored wellness programs, and exploring available discounts and incentives.

What should I do if my claim is denied? If your claim is denied, don't panic. Review the denial letter carefully to understand the reason for denial, gather any necessary documentation or information, and consider appealing the decision with additional supporting evidence.

Are there any alternatives to traditional health insurance plans? Yes, alternatives to traditional health insurance plans include health savings accounts (HSAs), health reimbursement arrangements (HRAs), and healthcare sharing ministries. These options offer flexibility and customization tailored to individual needs.

How can I stay informed about changes in health insurance policies? Stay informed about changes in health insurance policies by regularly reviewing communications from your insurance provider, staying up-to-date on industry news and regulations, and consulting with insurance brokers or advisors for personalized guidance.

What steps can I take to ensure I have adequate health insurance coverage? To ensure you have adequate health insurance coverage, regularly assess your healthcare needs, review your policy options during open enrollment periods, stay informed about changes in coverage or benefits, and seek expert guidance when needed.

In the ever-evolving landscape of health insurance, knowledge is power. By peeling back the layers and exposing the inner workings of health insurance companies, this guide equips you with the tools and insights needed to secure the best coverage for your needs. Armed with insider tips and expert guidance, you can navigate the complexities of health insurance with confidence, ensuring peace of mind for the road ahead.

[rmhinsurancegroup]

Factors to Consider When Choosing House Insurance in Middlebury and Elkhart, Indiana

Feeling overwhelmed by new homeowner’s insurance options? Choosing the best homeowner’s insurance can be challenging, but with advice, it’s possible to protect the most valuable possession. The insurance agents help clients find the right insurance for their priceless investment. They leverage their industrial experience and expertise to explain the nitty-gritty of the insurance, including its features, riders, perks, and so on.

Before choosing any insurance, let’s understand the most crucial features. 

What does homeowners insurance cover?

While buying house insurance in Middlebury and Elkhart, Indiana, consider coverage options. Homeowners insurance covers theft, vandalism, fire, and natural disasters. It also includes liability coverage for property injuries, personal items, and extra living expenses if covered events keep one away. It’s essential to understand what’s included and removed before purchase. 

How much coverage is required? 

Considering home insurance requirements is essential. Personal items, property value, catastrophic loss, and reconstruction costs determine one’s requirements for coverage. It’s vital to value a home and valuables for emergency protection. Thankfully, insurance consultant can advise on coverage. 

What are policy limits and deductibles? 

Home insurance rates depend on policy limits and deductibles. Policy limits are the payout of the insurer’s covered events. On the other hand, deductibles are personal expenses before insurance kicks in. Know the policy’s deductibles and limits and choose one that fits budget and gives enough coverage. 

Are there more covers? 

Many homeowners’ insurance policies cover safety. Usually, it covers identity theft, valuables, fine art, and home-based businesses. Assess expenses and advantages after determining if further coverage is needed. 

What is the reputation of an insurance agency? 

Look up the company’s reputation before obtaining homeowners insurance. Review client reviews, financial stability, and the duration of claim processing. Excellent customer service from trustworthy insurance companies improves claim experiences. 

Why One Should Not Consider Cheap Home Insurance?

Cheap home insurance may not cover serious damage or liability issues. Cheap insurance may have high deductibles, low limits, and inadequate liability coverage, leaving homeowners open to financial hazards and claims. A comprehensive house insurance policy that protects one’s home and possessions is crucial. Hence, one should think twice before considering cheap insurance. 

How to choose the right home insurance policy?

With plenty of options available, choosing the right insurance can be challenging. One must consider personal needs and lifestyle to find the best house insurance. Check if the policy covers water damage, personal items, and family status. Choose a deductible that fits the budget. Understand the policy’s coverage, visit with brokers, and compare options to find the best deal. Assess the location and threats of the property. One must have enough insurance to rebuild a home. Choose a policy based on one’s needs, exclusions, and claim settlement ratio. Avoid deciding simply on premium and make sure the policy fits the lifestyle.

Is it possible to bundle home and motorcycle insurance in Elkhart and Middlebury, Indiana?

When someone chooses to bundle home insurance and motorcycle insurance in Elkhart and Middlebury, Indiana, they can save money by combining policies from the same insurance company. Bundling can offer discounts and convenience by managing both policies in one place.

The right homeowner’s insurance policy safeguards one’s property and assets during emergencies. To choose wisely, consider coverage options, policy maximums, deductibles, extra coverage, and the insurance provider’s reputation. Compare insurance policies before buying. 

[electronalytics]

Cargo Transportation Insurance Market Overview, Development and Outlook on Key Growth Trends, Factors and Forecast 2032

Cargo Transportation Insurance Market Overview:

The Cargo Transportation Insurance Market is a critical component of the global insurance industry, providing coverage for the loss or damage of goods during their transit from one location to another. It serves as a safeguard for businesses and individuals involved in the transportation of cargo by sea, air, rail, or road. This insurance mitigates financial risks associated with cargo loss, damage, theft, and accidents during transportation.

The Global Cargo Transportation Insurance Market size was valued at USD 54.12 Billion in 2022 and growing at a CAGR of 3.1% from 2024 to 2030.

Dynamic Demand:

Global Trade Growth: The continued expansion of global trade and supply chains has increased the demand for cargo transportation insurance to protect valuable cargo moving across borders.

E-commerce Boom: The surge in e-commerce has led to a higher volume of goods being transported, resulting in increased demand for cargo insurance to safeguard shipments during transit.

Specialized Cargo: The transportation of specialized cargo, such as perishable goods, hazardous materials, and high-value items, drives demand for specialized cargo insurance policies.

Risk Mitigation: Cargo transportation insurance is seen as a crucial risk mitigation tool for businesses looking to protect their assets and maintain financial stability.

Opportunity:

Emerging Markets: Expanding trade routes and emerging markets offer growth opportunities for cargo transportation insurance providers as businesses seek to insure shipments to new destinations.

Supply Chain Complexity: Complex global supply chains with multiple touchpoints increase the need for cargo insurance, as goods are exposed to various risks during their journey.

Technological Advancements: The integration of technology, such as real-time tracking and IoT devices, can enhance cargo insurance offerings, providing more accurate risk assessment and timely claims processing.

Customized Solutions: Tailored insurance solutions for specific industries, such as pharmaceuticals, electronics, and high-value goods, present opportunities to cater to specialized needs.

Scope:

The scope of the Cargo Transportation Insurance Market includes various aspects:

Coverage Types: Cargo insurance policies may cover various risks, including all-risk coverage, named perils, and specific types of cargo (e.g., marine cargo insurance).

Modes of Transportation: Cargo transportation insurance is applicable to various modes, including maritime, air, rail, road, and intermodal transportation.

Cargo Types: Insurance coverage extends to a wide range of cargo, from general goods and raw materials to specialized items like fine art, electronics, and refrigerated goods.

Geographical Coverage: The market operates globally, covering domestic and international cargo shipments.

Insurance Providers: Insurance is offered by a diverse range of providers, including insurance companies, underwriters, and brokers.

Outlook:

The Cargo Transportation Insurance Market is expected to remain essential for businesses and individuals involved in the global supply chain. The outlook includes:

Technological Integration: The adoption of advanced technologies for risk assessment and claims processing is expected to continue, enhancing the efficiency and accuracy of cargo insurance.

Sustainability: The industry may witness increased demand for sustainability-focused insurance solutions to address environmental risks in cargo transportation.

Regulatory Changes: Evolving international trade regulations and compliance requirements may impact cargo insurance policies, necessitating adaptability.

Global Economic Factors: Economic conditions, trade tensions, and geopolitical factors can influence the demand for cargo insurance as businesses seek to mitigate risks associated with uncertainties.

I recommend referring to our Stringent datalytics firm, industry publications, and websites that specialize in providing market reports. These sources often offer comprehensive analysis, market trends, growth forecasts, competitive landscape, and other valuable insights into this market.

By visiting our website or contacting us directly, you can explore the availability of specific reports related to this market. These reports often require a purchase or subscription, but we provide comprehensive and in-depth information that can be valuable for businesses, investors, and individuals interested in the market.

“Remember to look for recent reports to ensure you have the most current and relevant information.”

Click Here, To Get Free Sample Report: https://stringentdatalytics.com/sample-request/cargo-transportation-insurance-market/1482/

Market Segmentations:

Global Cargo Transportation Insurance Market: By Company • Marsh • TIBA • Travelers Insurance • Halk Sigorta • Integro Group • Liberty Insurance Limited • Chubb • AGCS • Aon • Arthur J. Gallagher • Liberty Mutual Insurance • AIG • Marsh • Swiss Re • Zurich Insurance • Atrium • Samsung Fire & Marine Insurance • Mitsui Sumitomo Insurance • Munich Re • Peoples Insurance Agency • Sompo Japan Nipponkoa Insurance • Thomas Miller • XL Group Public Limited • Gard • Tokio Marine Holdings Global Cargo Transportation Insurance Market: By Type • Land Cargo Insurance • Marine Cargo Insurance • Air Cargo Insurance Global Cargo Transportation Insurance Market: By Application • Marine • Land • Aviation Global Cargo Transportation Insurance Market: Regional Analysis All the regional segmentation has been studied based on recent and future trends, and the market is forecasted throughout the prediction period. The countries covered in the regional analysis of the Global Cargo Transportation Insurance market report are U.S., Canada, and Mexico in North America, Germany, France, U.K., Russia, Italy, Spain, Turkey, Netherlands, Switzerland, Belgium, and Rest of Europe in Europe, Singapore, Malaysia, Australia, Thailand, Indonesia, Philippines, China, Japan, India, South Korea, Rest of Asia-Pacific (APAC) in the Asia-Pacific (APAC), Saudi Arabia, U.A.E, South Africa, Egypt, Israel, Rest of Middle East and Africa (MEA) as a part of Middle East and Africa (MEA), and Argentina, Brazil, and Rest of South America as part of South America.

Click Here, To Buy Premium Report: https://stringentdatalytics.com/purchase/cargo-transportation-insurance-market/1482/?license=single   

Reasons to Purchase Cargo Transportation Insurance Market Report:

Market Understanding: Market reports offer a comprehensive overview of a specific industry or market segment, providing essential information about its current state, historical trends, and future projections. This knowledge is vital for making informed decisions.

Competitive Intelligence: Market reports often include detailed information about key players in the industry, their market shares, strategies, and strengths and weaknesses. This information can help you benchmark your business against competitors and identify opportunities for growth and improvement.

Market Size and Growth: Access data on the market's size, growth rate, and revenue projections. This information is crucial for assessing market potential, identifying emerging trends, and making strategic decisions.

Trends and Insights: Stay updated on the latest trends and developments in the industry. Reports provide insights into emerging technologies, consumer preferences, and market dynamics, helping you stay competitive.

Market Opportunities: Discover growth opportunities within the market, such as niche segments, emerging markets, or unmet customer needs. This insight can guide your business strategy and product/service offerings.

Risk Assessment: Identify potential risks and challenges in the market, including regulatory changes, market saturation, or economic fluctuations. Understanding these risks enables you to develop effective risk mitigation strategies.

Investment Decisions: If you are an investor or considering investment in a particular industry, a market report can provide essential data to support your investment decisions. It helps assess market attractiveness, growth potential, and ROI expectations.

Strategic Planning: Use the information from the report to develop or refine your business strategy. This includes identifying target markets, setting pricing strategies, and determining distribution channels based on market dynamics.

Customer Insights: Understand customer preferences, needs, and pain points within the market. This knowledge can guide product/service development, marketing campaigns, and customer engagement strategies.

Regulatory Compliance: Stay informed about relevant regulations and standards in the industry. Compliance is essential for ensuring that your business operates within legal boundaries.

Data-Driven Decision-Making: Access to reliable market data and analysis enables data-driven decision-making, reducing the risk of making decisions based on assumptions or incomplete information.

Market Entry and Expansion: If you are considering entering a new market or expanding your existing presence, a market report can provide critical insights into market feasibility and potential barriers.

About US:

Stringent Datalytics offers both custom and syndicated market research reports. Custom market research reports are tailored to a specific client's needs and requirements. These reports provide unique insights into a particular industry or market segment and can help businesses make informed decisions about their strategies and operations.

Syndicated market research reports, on the other hand, are pre-existing reports that are available for purchase by multiple clients. These reports are often produced on a regular basis, such as annually or quarterly, and cover a broad range of industries and market segments. Syndicated reports provide clients with insights into industry trends, market sizes, and competitive landscapes. By offering both custom and syndicated reports, Stringent Datalytics can provide clients with a range of market research solutions that can be customized to their specific needs

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[mobydicks203-briancarew]

Diving Deep into the Sea with Moby Dick's

Moby Dick’s opened on August 18, 2022, as an upscale oyster bar on Campbell Ave in West Haven, CT. When walking by the bar you see a black stainless steel seating area and their artsy chalkboard sign. It may seem like any other bar or restaurant but once you step inside, it transforms into a whaler ship. “You should know that this place was called Moby Dick’s almost 50 years ago and we brought it back and we kept all the historic pieces of the building and we worked really hard with the town to make sure we keep things congruent with the other businesses. We've maintained our portholes and wood beams that resemble a whaling ship. We redid the floor to an art deco model and I think people have taken a liking aesthetically” said an owner, Nick Ruickoldt when asked how the people of West Haven felt about the new establishment. 

Bar Before Most Renovations

Bar on March 15, 2023

Original Porthole

Front Entrance of Moby Dick's

People do not only love the looks but the food as well. “There are so many good dishes at Moby Dick’s. One being the mac and cheese which everybody likes, seafood and nonseafood lovers, you can always top it with lobster or bacon. We have suddenly become known for our meatballs. Everybody loves our meatballs, meatball fra diavolo, and meatball sliders” said Brianna Hackett, a bartender since the beginning who stuck through and became manager. Jeff Lamberti is the chef and has done nothing but an incredible job according to many customers and coworkers. Ruickoldt said hiring him was the most important step and main focus after finishing all the renovations. “Lamberti created a menu of multiple kinds of oysters that come in fresh every day. He does so many seafood specials, and is just so creative in the kitchen,” explained Ruickoldt.

Lobster Mac and Cheese

Seafood Tower

Moby Dick Whale Drawn by Brianna Hackett on the Oyster Bar

The food is definitely a contributing factor as to why there are so many returning customers, but this certainly isn’t the only reason considering the several IPAs, lagers, and beers the bar has on draft. Ruickoldt thinks having local brewers represented in the bar such as New England Brewing Company located in New Haven, CT, Tribus in Milford, CT, and Whalers Rise from Rhode Island has brought an appeal to the community. However, Moby Dick’s doesn’t only have beer. They have a large assortment of cocktails from Old Fashioneds to “Captain” Collins. Some days Hackett feels like she makes “100” espresso martinis. Over the month of March, the fan favorite was the “Drunk Leprechaun.”

Old Fashioned

Bar During Month of December

Chalkboard Menu

The group of people who went in on this project were not previous bar or restaurant owners, but they did have family in the industry. Ruickoldt is an Insurance broker for the Russell Agency and was a former fire commissioner and former city councilman. Evan Mink, a partner, and the permittee,  delivers baked goods and is a fire commissioner for the West Shore district in West Haven. When asked how the idea sparked, Ruickoldt replied  “So, we are lifelong residents of West Haven and our families were in the restaurant business for a long time and this opportunity came up, it was a vacant storefront on our main throughway in West Haven, Campbell Ave. We came and visited the property and immediately fell in love with all the old architecture and we thought we could tackle remodeling it and bring it back to life.” 

It seems like they have done a fine job since they recently won the Greater Milford Chamber of Commerce “Best New Business” Award. The Greater Milford Chamber of Commerce is made up of West Haven, Milford, and a couple of other smaller surrounding towns. “Many news outlets picked up the story, which affected business significantly,” says Ruickoldt. Hackett told a story of an older couple who came in one night because they recently read an article in the West Haven Voice after winning the award. She remarked, “They would probably never have come in if it wasn’t for winning the award.” Hopefully, you get a chance to have the Moby Dick’s experience and #GetShucked. 

[sueheaven]

Inland Marine Insurance market Will Hit Big Revenues In Future | Biggest Opportunity Of 2023

The Latest Released market study on Global Inland Marine Insurance market provides information and useful stats on market structure, size and trends. The report is intended to provide cutting-edge market intelligence and strategic insights to help decision makers take sound investment decisions and identify potential gaps and growth opportunities. Besides, the report also identifies and analyses changing dynamics, emerging trends along with essential drivers, challenges, opportunities and restraints in Inland Marine Insurance market. What’s keeping CPIC (China)

Liberty Mutual (United States)

Hartford (United States)

Great American Insurance Group (United States)

Chubb (United States)

Nationwide (United States)

Jewelers Mutual (United States)

Allstate (United States)

AXA (France)

Allianz (Germany)

AIG (United States)

The Travelers Companies (United States)

Statefarm (United States)

RLI Corp. (United States)

Allianz (Germany)

 Keep Growing in the Market? Benchmark yourself with the strategic moves and latest Market Share and Sizing of Global Inland Marine Insurance market recently published by AMA Inland Marine Insurance is a form of property insurance that covers goods, tools, equipment, and other property that is not tied to a fixed location and is not covered by a standard commercial property policy. Inland Marine Insurance provides coverage for a variety of property, including merchandise ship by truck to a customer, equipment used by construction contractors, musical instruments, photography equipment, fine art, and more. Inland Marine Insurance provides broad coverage for property that helps fill the gap in coverage left by standard commercial property policies.

The Inland Marine Insurance Market segments and Market Data Break Down by Type (Shipping and Transit, Bailee’s Customer Coverage, Movable Equipment or Property, Builder’s Risk, Others), End Users (Contractors, Distributors, Energy, Government entities, Healthcare, Manufacturers, Retail, Service, Technology, Transportation / Logistics, Wholesale), Coverage Type (Theft, Fire, Wind, Hail, Water damage, Others), Providers (Companies, Agents/Brokers)

On the geographical front, the market has been segregated into North America (the United States and Canada), Europe (Germany, France, the United Kingdom, Italy, Spain, Russia and others), Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia and others), Latin America (Brazil, Mexico and others), and Middle East and Africa.

Market Opportunities: Ongoing Growth in the Construction and Freight Industries Is Expected to Open Lucrative Opportunities for the Market during the Projected Period

Highlights of Influencing Drivers: Growing Natural Disasters across the Globe

The Growing Shipping and Transportation Goods Risk Driving the Adoption of Inland Marine Insurance

The Rising Risk in the Businesses Fuelling the Inland Marine Insurance Industry

Inland Marine Exposures Rank among the Most Volatile Of Property Exposures, With Risk Profiles Changing From Day To Day

Presented By

AMA Research & Media LLP

[lhexagone]

Facts To Look At Prior To Attending An Art Fair

Even when you are avid collector or an art form trader, among the very best approaches to find new artists, even choose the performs, also keep abreast of trends within the art realm is to attend an art fair. However, to make the most of your visit, there are a couple of matters that you might need to take into consideration prior to heading outside there.

Remember to pace yourself

While some neighborhood artwork fairs take place over a day or two, most major art fairs last approximately five years, using an evening for significant collectors, artwork consultants, along with memorial curators before the fair opens into the general public. Coinciding with some of the biggest and best fairs are satellite fairs, together with these events referred to as being a"week," including Armory Week, Frieze Week, and Art Basel Miami Beach Week. These functions can bring in tens of thousands of galleries -- allowing 1000s of visitors to observe pieces of artwork from round the nation and across the world. Remember to dress comfortably and be prepared to walk and endure lots. To find out more details regarding fine art fair: learn more here.

Approach your path

Before you go or at the catalogue Pay attention to the exhibit or list online. That way, you'll know that which galleries are there -- and, should you prefer, then you can request to have in their mailing list. Take a map of the floor program After you arrive at the fair and make use of a pencil to indicate which booths you need to determine along with what path you will require.

Take advantage of opportunities

Art fairs are not attended by many fair-goers, not to obtain, however to community. Even in case you are not serious about purchasing art campuses could be a great time become a face that is familiar, ask questions, and to talk to gallery agents. You might even be fortunate enough to match with an artist also, nevertheless many stay at home and permit their traders do the boosting for them.

Do not get caught up at the Buzz

With just a small amount of time for you to shop, newcomers into the art spectacle could get caught up in the excitement and feel the tension to buy immediately. Just like with almost any significant purchase, it's most effective to select the opportunity to be certain that you really want it. Consult the gallery if you can put the item on hold In the event you are not prepared to obtain in the area. You need to be ready to behave walk off, or find out if they have additional pieces by the artist offered in their gallery if they don't really make it possible for one to reserve the artwork.

Consider where your brand new slice will go

Just before attending an art fair, walk around your house and earn a plan for the type of piece(s) you want and at which you will screen them. Consider such as for example whether a space features a great deal of natural light which is often detrimental to a lot of kinds including works in writing, images, and 33, ecological exposures. Make certain display are as will preserve climate controls with minimal fluctuations in humidity and temperature. And even if you're currently thinking about outside sculpture, then take under account if you are living in a place with weather which could impact the task, with overhanging or even a wooded area.

Have an agenda for how You Will Receive artwork home

Many museums may handle shipping for you, however it certainly is best to have a art shipper in mind if you want to buy any such thing in the art fair. Get in touch with your insurance broker or representative if you're not sure who to use. Premium insurance companies will have a list of vetted shippers that you can use.

Have the Suitable documentation

Be sure to keep the bill of sale from the purchase, in addition to any condition reports, documentation of conservation, restoration, or provenance. You'll need photos to record the work as well - shoot superior images of this piece, showing that the front, back, top, bottom, and also particulars of the perform.

Make sure you have insurance in place

To be certain your new artwork will be insured if it is damaged or stolen, you'll need a very important content coverage in place that offers global coverage and a provision that will insure the newly got artwork for 90 days, for as many as 25% of the price of one's total itemized fine artwork.

[hips-ter]

The 6 Best Trip Planning Apps for Headache Free Travel – Review Geek

Your notice about search engine optimization can also be good, nevertheless, I do suppose that if a weblog stays at the top for a very long time, it is also about high quality and fewer about SEO. Thanks for taking the time and writing such a considerate comment. Research indeed is the important thing however some instant journey plans are tremendous enjoyable. And finding the right travel company is a little headache however i feel it is needed. particularly if you want to journey in a different country where you nearly know nothing.

Who has the best all inclusive vacation packages?

The most common reason why people go all inclusive is the value for money; with food, drinks and snacks catered for, it can be a great way of making your holiday more affordable.

The signature Hard Rock rocker vibe may be seen throughout the resort, whether it's in the music-themed decor or the free guitar leases. On-site amenities corresponding to golf, an arcade middle, and a sprawling health heart assist hold visitors busy. Aruba’s drier local weather and southern location within the Caribbean additionally signifies that it’s rarely hit with hurricanes. In reality, on the time of writing, the last glancing blow was by weak Hurricane Felix back in 2007.

This can also be a good time to go to London and Paris and Central Europe. Barcelona needs no less than two days of your time to see the most effective of it. There are additionally nice day journeys you'll be able to take from Barcelona, corresponding to visiting Montserrat, Girona, Costa Brava, and Tarragona. Florence deserves the largest chunk of time in this itinerary.

Thank you for offering such descriptive and well-elaborated ideas. I would definitely maintain them in mind while planning a trip for me now. You can e-book your hostel with Hostelworld as they have the most complete inventory. If you want to keep elsewhere, use Booking.com as they consistently return the most cost effective charges for guesthouses and low-cost hotels. To assist you determine one of the best plan for you and your journey, right here’s my final guide to picking a good insurance firm.

What are the do's and don'ts of itinerary preparation?

Travel Agent Do Not Cost More - Vacationkids never charges services fees. Our services are free to our customers. If their parents want to use miles too book their flights or if there are cheaper rates online, Online Travel companies do charge service fees. They build them into the cost that you pay.

In the publication, UN areas and subregions are ranked by the variety of worldwide customer arrivals, by the income generated by inbound tourism, and by the expenditures of outbound travelers. With a dramatic cliffside setting in Negril, this adults-solely all-inclusive is taken into account certainly one of Jamaica’s most particular resorts — albeit one with high nightly rates. Meals and drinks are included, however the choices right here go above and past typical all-inclusive fare.

Most people need several days in a place where they couldn’t see a museum or take a tour even when they wanted to. A stop within the mountains or on an island, in a pleasant rural city, or at the home of a relative is an effective way to revitalize your vacationer spirit. If you’re passionate about Renaissance art, Florence is a must. England’s Cotswolds beckon to those who fantasize about thatched cottages, time-handed villages, and sheep lazing on inexperienced hillsides. For World War II buffs, there’s no more stirring experience than a go to to Normandy.

We will be arriving in Munich after which plan to cover Czech Republic, Austria, Italy, Switzerland, Paris and spend final four-days in London since our return flight is from London. Plus, it’s not just the most affordable cities in Europe. Malta, as an Island, could be comparatively cheap too.

This “General MacArthur” method is a key to touristic happiness.

,” Ed Perkins writes, “An agent is an enormous help if you value your time.

Not positive concerning the place, however either of Spain, UK or Sweden.

Log into any airways' web site a couple of days earlier than your tip and you'll be able to find all of this info.

If you’re feeling nervous, don’t fear — that’s perfectly regular. You’re about to embark on a tremendous journey — and that’s a huge change.

Reading this makes me realise how much planning I don’t do before reserving a trip! You’ve given me some great tips, and plenty to think about before reserving my subsequent travels. I never use a journey agent but I’d take into consideration attempting it out. By the time I get to this a part of planning my holiday, I know that many of the work is done. Now, it's about specializing in the smaller details.

Most travel brokers are paid a fee from resorts, airlines or tour operators after they guide a shopper with them. Some resorts or tour operators pay more fee than others.

Passport photographs will value you about an extra $10, or you possibly can print your own free of charge at ePassportPhoto. Europe has an insane quantity of fine beer and wine — so you should sample all you possibly can.

It lays out every piece of knowledge you may need on your trip so you're by no means left hunting round on the lookout for an tackle or a cellphone quantity. This means you'll be able to spend extra time exploring or enjoyable and fewer time making an attempt to prepare yourself. Do your research about vacation spot prices primarily based in your type of traveling. This goes to help you determine your daily bills and provide you with a every day budget on your trip.

Spend a minimum of one day exploring Florence, after which use your additional days to take day trips into Tuscany, visiting Siena and the other hill towns. You can do this on your own by renting a car or using the public buses (however this was a nightmare in our expertise…we highly recommend renting your own automotive or hiring a driver while in Tuscany!). Ten days is simply sufficient time to get a style of this country.

BARCELONA, SPAIN Travel Costs

There are miles of white-sand seashores (like Rendezvous Bay, overlooking neighboring Saint Martin island), as well as secluded coves reached by boat, similar to at Little Bay. After a day within the solar, hit up nice restaurants, as well as a low-key nightlife with stay music that spans from reggae to string bands. In a nutshell, you have fewer things to fret about with all-inclusive packages.

If you worry about issues that are just out of attain, you gained’t respect what’s in your hand. I’ve taken dozens of European journeys, and I still want more time. It’s a blessing that we can by no means see all of Europe. Alternate intense big cities with villages and countryside.

But in case you are planning on having three drinks or extra per day, plus three meals a day, it might average about $one hundred a day, according to her calculations. Jen Pellerito, journey writer and creator of Jen on the Run, did an analysis using an Expedia seek for resorts in Cancun for seven days (Aug. 24 to Aug. 31, 2018). Many all-inclusive resorts are close to major airports and big cities, stated Ebert. If you’re visiting a spot like the Caribbean, you’ll discover many resorts have private access to the beach. For instance, when you’re traveling alone, traversing a huge space, and spending the vast majority of your time in huge cities, it makes more sense to go by prepare with a rail cross than to mess with a car.

[firstclassinsurance]

Jewelry Business Insurance - arts insurance

In the vibrant realm of artistic expression, your jewelry creations are more than mere products; they are works of art. Jewelry business insurance recognizes and safeguards the artistic and financial value of your pieces, offering protection against a range of potential risks. Whether you operate a boutique studio, a retail store, or an online platform, this insurance provides a safety net that extends from the crafting bench to the display case.

Coverage typically includes protection against theft, damage, or loss of your valuable inventory, ensuring that your artistic investments are shielded from unforeseen circumstances. Additionally, liability coverage is designed to protect your business from potential legal claims related to your products or operations. As a jewelry artisan, you understand the meticulous craftsmanship that goes into each piece, and jewelry business insurance is there to preserve the passion and dedication you've invested.

Moreover, in a world where artisans engage with customers both in-person and online, this insurance provides peace of mind by covering potential risks associated with sales, exhibitions, and shipping. Whether your creations are on display at an art fair, in a gallery, or being shipped to a satisfied customer, you can focus on your craft knowing that your business is protected.

Choosing the right jewelry business insurance is an investment in the longevity and prosperity of your artistic venture. It's a testament to the recognition of the unique challenges faced by jewelry artisans, ensuring that your passion for creating beautiful and meaningful pieces is safeguarded against the unpredictable nature of the art and business world.

[bountyofbeads]

https://www.nydailynews.com/opinion/wayne-barrett-donald-trump-rudy-giuliani-peas-pod-article-1.2776357?outputType=amp&__twitter_impression=true

REMINDER: Trump has relied on Rudy Giuliani as a "fixer" ever since Trump bribed Rudy to kill a mob-related money laundering investigation into him 30 years ago.

The late Wayne Barrett wrote about their corrupt 30-year relationship in 2016:

Peas in a pod: The long and twisted relationship between Donald Trump and Rudy Giuliani

By WAYNE Barrett | Published SEP 04, 2016 5:00 AM ET | NEW YORK DAILY News | Posted September 25, 2019 |

Let's start with the fact that Donald Trump's top surrogate, Rudy Giuliani, is on the payroll. In January, he joined a law firm, Greenberg Traurig, that represents Trump and son-in-law Jared Kushner.

Last year, the firm handled Trump's suit against the Florida city of Doral so his golf course could override noise regulations that barred him from bulldozing before sunrise. More recently, it handled Kushner's $340-million acquisition of the Watchtower properties in downtown Brooklyn.

When Trump paid a $250,000 fine in 2000 for secretly funding a million-dollar lobbying campaign against an Indian casino in upstate New York, he was represented by Greenberg.

Giuliani brought Marc Mukasey, the stepson of ex-U.S. Attorney General and lifelong Giuliani friend Michael Mukasey, with him to Greenberg; Mukasey is now representing legendary leg man Roger Ailes. Mukasey launched into a tirade recently against New York Magazine reporter Gabriel Sherman, calling the Ailes biographer "a virus" willing to "use any woman" to Weinerize the Trump debate adviser. His dad, who once branded Trump a "peril" to national security, delivered a Republican Convention speech the night after Rudy's screed.

This intertwine may or may not have something to do with why the Greenberg firm lets Rudy, one of its newest partners, hired early this year ostensibly to run a cybersecurity unit, travel the country with Trump, introducing him at rallies and fundraisers, challenging Hillary Clinton's health based on stuff he finds in corners of the internet, declaring her Clinton Foundation troubles worse than Watergate, wearing a "Make Mexico Great Again Also" cap, and helping draft policy speeches diagnosing African Americans for white audiences.

I even watched Rudy on TV, before one joint trip to Ohio, loading suitcases into the back of a Trump SUV in front of Trump Tower, the only baggage that slows him down.

Rudy has actually been more visible in his buddy's campaign than he was at times in his own $50 million presidential attempt in 2008, when he managed to convert the months-long top ranking in the polls into a single delegate. The imperial 2016 candidate who hates losers, especially ones who wind up in Vietnamese prisons, has instead embraced an epic dud, his solitary act of empathy in a campaign of callousness. He could've trashed Rudy like he did John McCain: "I like people who weren't caught with their command center down."

But the onetime comb-over twins just had too much in common. Though bombs-away hawks today, they got multiple draft deferments during the Vietnam War, with athlete Donald citing bad feet as his excuse and Rudy using an ear defect to sidestep his ROTC obligations.

Trump is now warning of a rigged election, invoking the image of Philadelphia blacks cheating at the ballot box and calling for voter suppression squads to "monitor" suspect precincts. Rudy said the 1989 mayoral election he lost was stolen and spent millions on suppression squads, dispatching off-duty white cops and firefighters to minority districts, when he won in 1993.

The two amigos also spark similar antipathy in Mexico, their latest joint destination — Donald for a mantra of insults, and Rudy for a multi-million-dollar anti-crime contract his consulting company won in Mexico City that flopped so badly the police chief declared he was "no fan" of Giuliani's. Rudy even tried to lend credence to the Trumpian fantasy that "thousands" of Muslims in Jersey City celebrated 9/11, quibbling only with the number.

Then there's the wife trifecta. No one in American public life, other than perhaps their kindred spirit Newt Gingrich, has ever mastered the art of a bad divorce like Rudy and Donald, carrying on as if spousal humiliation was the point.

Ask the kids. When Trump married mistress Marla Maples nearly four years after he walked out on Ivana, the three convention stars, Don Jr., Ivanka and Eric, didn't show up. Andrew and Caroline Giuliani made strained appearances at Rudy's 2003 wedding to Judi Nathan, but in 2007, both distanced themselves from their father's presidential pursuit, with Caroline Facebooking her preference for Obama, as close to the ex-mayor's heart as she could plunge the dagger.

Rudy's wife Donna found out he wanted a divorce when he announced it on TV, just as Marla had a couple of years before. Rudy then chose Mother's Day to alert the press that he would be having dinner with his new love and led the cameras on a 10-block walk with her after dinner, kissing her goodbye while his wife and kids simmered. His divorce lawyer declared "we're going to have to pry her off the chandeliers to get her out of" Gracie Mansion. Even Donald Trump was offended, writing an open letter to New York Magazine and urging Donna and Rudy "to sit down with each other in a room, without your lawyer, and see if you can settle this."

But Rudy was only following in the divorce-as-spectacle footsteps of Donald, who'd used the New York Post as his personal hammer a decade before, relishing in Marla's "best sex I ever had" headlines even as they horrified young Ivanka and Don. Trump told Newsweek the scandal was "great for business," and pushed Marla to seize on the opportunities it presented, including half a million to pose in "No Excuses" jeans.

He'd brought his mistress to the same Atlantic City boxing matches he brought his wife to, aboard the same helicopter, just as he'd set up Marla in a sparkling suite on the Aspen slopes while he was vacationing with his family. Young Don told his father then "you just love your money," a line he did not revive in his convention script. Ivanka, shocked by headlines on newsstands during her walk to school, just wept.

Rudy and Donald first got together in the late 1980s shortly before Donald became a co-chair of Giuliani's first fundraiser for his 1989 mayoral campaign, sitting on the Waldorf dais and steering $41,000 to the campaign. A year earlier, Tony Lombardi, the federal agent closest to then-U.S. Attorney Giuliani, opened a probe of Trump's role in the suspect sale of two Trump Tower apartments to Robert Hopkins, the mob-connected head of the city's largest gambling ring.

Trump attended the closing himself and Hopkins arrived with a briefcase loaded with up to $200,000 in cash, a deposit the soon-to-felon counted at the table. Despite Hopkins' wholesale lack of verifiable income or assets, he got a loan from a Jersey bank that did business with Trump's casino. A Trump limo delivered the cash to the bank.

The government subsequently nailed Hopkins' mortgage broker, Frank LaMagra, on an unrelated charge and he offered to give up Donald, claiming Trump "participated" in the money-laundering — and volunteering to wear a wire on him.

Instead, Lombardi, who discussed the case with Giuliani personally (and with me for a 1993 Village Voice piece called "The Case of the Missing Case"), went straight to Donald for two hour-long interviews with him. Within weeks of the interviews, Donald announced he'd raise $2 million in a half hour if Rudy ran for mayor. Lamagra got no deal and was convicted, as was his mob associate, Louis (Louie HaHa) Attanasio, who was later also nailed for seven underworld murders. Hopkins was convicted of running his gambling operation partly out of the Trump Tower apartment, where he was arrested.

Lombardi — who expected a top appointment in a Giuliani mayoralty, conducted several other probes directly tied to Giuliani political opponents, and testified later that "every day I came to work I went to Mr. Giuliani to seek out what duties I needed to perform" — closed the Trump investigation without even giving it a case number. That meant that New Jersey gaming authorities would never know it existed.

It's hard to watch Giuliani invoke his 14-year history as a federal prosecutor when he calls for Clinton's prosecution and square it with the seedy launch of his own relationship with Trump.

When Rudy was mayor, Trump hired the lobbying firm that included name partner Ray Harding, the head of the state's Liberal Party, whose ballot line had provided the margin of difference in Giuliani's 1993 election. Harding's firm quickly went from three lobbying clients to 92, and it steered the controversial, 90-story Trump World Tower, the tallest residential tower in city history, through three levels of Giuliani administration approvals despite loud opposition from community groups led by Walter Cronkite.

Both Harding and his son, a top Giuliani official, wound up felons. His other son, Robert Harding, a Giuliani deputy mayor, has long been a lobbyist at Rudy's current employer, Greenberg.

The Giuliani administration also wrote a 1995 letter of support to HUD for $365 million in mortgage insurance for Trump's Riverside South project, affirming that the Westside Yards site was in a blighted neighborhood, a contention so ludicrous that Donald had to eventually withdraw the application. A board of Giuliani appointees, pushed by Harding's firm, also approved renovations at Trump's 100 Central Park South, where Eric Trump now lives.

Rudy wound up a friend, speaking at Fred Trump's 1999 funeral, doing a grope scene with Donald in a 2000 Inner Circle skit, inviting Donald and Melania to his Gracie Mansion wedding and attending Trump's 2005 Mar-A-Lago wedding.

As aligned as Trump and Rudy appear, there are enough stark differences to make the embrace uncomfortable, at least if the blank-slate broadcast interviewers would do a search or two. When Mitt Romney ran against Giuliani, he said Rudy made New York a "sanctuary city," based on Giuliani's urging undocumented people to settle in the city. PoliFact found the assertion "true."

As mayor, Giuliani was the top Republican champion of the assault-weapons ban, sued the gun industry and called for "uniform licensing" of all guns, contending that the free flow of firearms into the city from unregulated states was killing New Yorkers.

Rudy was also one of the only elected pro-choice Republicans who even supported partial birth abortion. He's recently begun to perform same-sex marriages. He is, in all of these respects, an anti-Trump surrogate.

Yet Trump has said he might name Rudy to chair an immigration commission or to head homeland security. Trump apparently forgets that Rudy already gave us one homeland security secretary, his business partner and former correction and police commissioner Bernie Kerik, who blew up like a land mine before he could take office and wound up sentenced to four years in federal prison, partly for lying to the White House.

[juditmiltz]

Why high-end home auctions in South Florida are the next big thing

41 Arvida Parkway

Imagine a red carpet leading to a waterfront South Florida estate where refreshments are served as deep-pocketed investors mingle, ready to raise their paddles in a heated competition to spend millions of dollars for a mansion.

That is an increasingly frequent scene playing out on local shores. Auctions of luxury homes are growing in popularity, as sellers opt for the certainty of a fixed sale date that comes with putting a home on the block. It also allows them to tap into an auction house’s database chock full of wealthy buyers worldwide, and limits expensive carrying costs on high-priced properties that can otherwise take years to sell.

Amid an overall sluggish sales market, auction companies say business is booming this year, with an increasing number of luxury listings either referred by sellers or by brokers who can use them as a sales tool, earning commissions on the deal.

“If you have the Hope Diamond or Jackie Onassis’ pearls or a rare Duesenberg automobile, you go to auction,” said Jim Gall, founder and president of Miami-based Auction Company of America. “And it’s the same principle for homes or condos.”

Auction company CEOs and real estate agents say the advantages to the seller go well beyond a quick closing. An auction can boost marketing muscle and create competition for a property. The sales are also considered “clean” — free of contingencies and financing — and come with six-figure deposits, which means a likely closing.

“This is the way the wealthy and uberweathy have chosen to buy real estate in the 21st century,” said Marc Hameroff of Engel & Völkers Miami. He is co-listing a $68 million waterfront estate at 41 Arvida Parkway in Coral Gables with Lourdes Alatriste. The home is set for an online auction by Concierge Auctions from March 19 to 22.

The growing popularity of auctions is evidenced in how Concierge’s business has ramped up in Florida. The number of sellers the firm spoke to rose from 102 in 2016 to 292 in 2017 and 522 in 2018, Concierge founder and President Laura Brady said. The company auctioned six properties in Florida in 2018 and is on target to hold 16 auctions statewide this year, which would top its record of 12 auctions in 2009.

“Florida is one of the leading markets for us in the $20 million-plus category,” Brady said.

Naples-based Elite Auctions has also seen its volume of properties grow, up 125 percent from 2017 to 2018 and up more than 150 percent so far this year, said Randy Haddaway, founder and CEO. He is also seeing an increase this year in sellers calling directly, to 75 percent from 65 percent.

“Traditionally, a house north of $10 million will take two to three years to sell,” Hameroff said. “Concierge will spend north of $250,000 in a six-week period and will get eyes on [the Coral Gables property] that would not normally see this, from all around the world.”

The benefits for sellers

A wider audience of potential buyers is just one of the reasons why luxury homeowners are going the auction route. Other reasons? The sheer size of the inventory of luxury properties, and the length of time they can linger on the market. In the fourth quarter of 2018, 183 single-family homes of $5.9 million or more were on the market in Miami Beach and the barrier islands, according to Douglas Elliman. The eight top-tier homes that closed in that period took an average of 349 days to sell — or almost a year. At that pace of sales, it would take 68.6 months to sell all the inventory — or almost six years, according to the Elliman report.

“It’s a buyer’s market, and sellers are going to have to look to other ways to create excitement and interest in their properties,” Gall said.

Once a property has lingered on the market for several months or years, it’s considered stale. “There’s no greater challenge a property faces than the stigma of sitting there too long and not being sold,” said Trayor Lesnock, founder and president of Miami-based Platinum Luxury Auctions. Meanwhile, taxes, insurance, landscaping and other maintenance costs can add up, along with mortgage payments, if there are any.

Huizenga’s 1575 Ponce de Leon

“Frustration is a big motivator — frustration that the traditional brokerage process has not given them any results,” Lesnock said.

And sellers often are eager for their next steps, like buying another property. “These people made money by being in charge, solving problems, and here is a problem they can’t figure out,” added Lesnock. An auction “gives them certainty and lets them move on with their lives.”

Kristina Gustafson used Platinum to auction her Wellington farm in 2017.

“The key is you get more buyers to the table and you get a definitive closing date,” said Gustafson, who was a Realtor at the time with Southfields Real Estate.

“I got what the property was worth on that day, and I was happy with it, and I was done,” said Gustafson, who currently owns three farms and a house in Wellington. “That was the big quotient. I was emotionally done, physically done, and I was ready to go on.”

How the auctions work

In South Florida, auctions are held live onsite at a property with registered bidders in person or either by phone or online. Concierge handles most of its auctions online, which has led to lawsuits alleging that the company used fake bidders to increase the price of homes or to make sellers think there was more interest in their properties than there really was, according to a Wall Street Journal report. Concierge has denied all the allegations.

Brady said online auctions offer privacy, transparency and the convenience of being able to bid from anywhere in the world. “Anyone can log onto the site and see the bidding of all auctions open and see bids and bid numbers,” she said. The bidders are anonymous.

Elite, on the other hand, only takes bids onsite. “Online — we don’t trust it. We don’t like it,” said Haddaway, its founder. “I like to see wealthy people competing against each other and seeing each other in person.”

Auctions can also have disadvantages, including the possibility of getting a lower sale price than the seller was hoping for. And if a buyer emerges who wants to lock in and buy the property before the auction date, the seller may cancel, but may be responsible for marketing costs that could be in the hundreds of thousands of dollars.

“The buyer comes in thinking they’re going to get a deal, and the seller thinks they will finally be able to move the property,” Haddaway said. “Is every seller satisfied with the number? Not everyone.”

In the world of auctions, properties can be sold with a reserve — a minimum bid — or without a reserve, which is referred to as an absolute auction.

Not having a reserve is “critical,” said Tim Elmes of Coldwell Banker Residential Real Estate-Fort Lauderdale Las Olas. With a reserve, “it’s like pissing in the wind. It’s a waste of money,” he said. “There’s no driver for people to come to the auction. If it’s absolute, they will fly in from out of town.”

Elmes recently had the listing and brought the buyer for a waterfront home in Fort Lauderdale Beach that sold for $8.1 million at an auction held by DeCaro Auctions International. There were 21 registered bidders, and Reno, Nevada-based real estate magnate Don Norman had the top bid for the mansion, which had been listed for nearly $13 million.

“I didn’t recommend the auction for this house,” Elmes said. “I think we could have sold it for more if had been priced correctly.” Yet the seller was happy with the outcome, he said.

The entire auction process, from listing to closing, can be completed in less than 90 days. Auction companies generally take about six weeks to market a property before holding the auction, and the buyer generally closes about a month after.

Before an auction is held, buyers are required to put down a bidder registration fee of $100,000 to as much as $250,000. Then the winner must put down more after the auction, to reach 10 percent of the sale price.

Buyers also usually have to pay a buyer’s premium of 10 percent, which covers the commissions. Gall said he started the practice for real estate auctions 35 years ago, borrowing the idea from Sotheby’s and Christie’s, which use it in their fine art auctions.

The commission split varies with the deal, said auction experts. “When a Realtor brings us a deal, we come up with a split advantageous to the listing Realtor because they are under pressure from the seller,” Gall said.

Lamar Fisher, president and CEO of Pompano Beach-based Fisher Auction Company, said 30 percent of his business comes from brokers, versus 70 percent from sellers. He offers added incentives to agents. “We can reward them if a broker brings us a prequalified bidder, and they ultimately win, they get additional points of commission.” The highest bidder

In recent years, auction companies have seen more homes that are listed for $20 million or more, with one recent sale breaking an auction record.

Concierge, along with listing broker Ralph Arias of One Sotheby’s International Realty, handled the sale of “Le Palais Royale,” a 60,000-square-foot waterfront estate in Hillsboro Beach late last year that marked the highest price ever achieved for an auction in the U.S., Brady said. Eleven potential buyers bid for the property — above an average of eight bidders, she said. In the end, records show, Teavana co-founder Andrew Mack paid $42.5 million for the estate, a massive discount from the original $159 million asking price in 2015.

Billy Nash, founder of Nash Luxury Real Estate at the Keyes Company, said he is “a big believer in the process” of auctioning a home. As the listing agent, he suggested that the Fort Lauderdale waterfront mansion of the late H. Wayne Huizenga go up for auction. It hit the market last year, asking $27 million. Concierge has set the auction for March 26, with no minimum bid.

“To get the global attention that trophy properties deserve, having an auction and creating a finite time frame to bring buyers to the table to me adds tremendous value,” Nash said.

But the luxury home auction that really started it all, according to Fisher, took place in 2013 and involved the future president.

It was the onsite auction of the Versace mansion in Miami Beach. The Nakash family ultimately paid $41.5 million for the estate but the backup bidder was Donald Trump, said Fisher, whose company held the auction. “He told me, stop at $37 [million] and he stopped at $41 [million],” Fisher said. Eric Trump was onsite, but Fisher said he dealt directly with Donald Trump.

Fisher is now set to auction embattled developer Robert Matthews’ Palm Beach mansion at 101 Casa Bendita on March 28, by order of a U.S. bankruptcy court. Previously listed for $44 million, it has a $31 million reserve. Federal officials have charged Matthews, the former developer of the Palm House Hotel in Palm Beach, with multiple counts of wire fraud, bank fraud and money laundering over the unfinished development.

Amid the ongoing slow luxury sales market, Fisher expects auctions to keep thriving. He is now in negotiations with several sellers of condos in Sunny Isles Beach and South Beach and is hoping to have those auctions on the books soon.

Fisher sees it as a trend emerging. “The next wave is going to be the luxury condo, penthouse market,” he said.

from The Real Deal Miami https://therealdeal.com/miami/issues_articles/luxury-real-estate-auctions/#new_tab via IFTTT

[bredahl14reimer-blog]

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Cheap Long Distance Movers With the Best Value

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How to Choose the Best Interstate Movers

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How to Find Low-Cost Moving Companies with Solid Reputations

Nobody wants to spend more than they must – especially when moving. You’ve already paid considerable costs towards your move, no matter whether renting or purchasing. To find low cost moving companies with solid reputations regarding their services, you can do a pricing search online or you can work with us at Moving APT. We’ll do the work for you. Finding the highest quality and cheap long distance movers doesn’t have to be difficult or stressful.

What Cross Country Moving Companies Quotes Can Do for You

Cross country moving companies quotes can help you to find the most affordable option for your upcoming move. With a few clicks on our website, you’ll be presented with the quotes for the cheap long distance movers, then you can redirect to their websites. Once there, you can look at their websites to get an idea of the range of services offered and see what prior customers had to say. This grants a view as to how your own experience may turn out. Since at Moving APT, we thoroughly vet all the movers we have connections with, you won’t be surprised to find that all our partners are names you can trust.

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Canvas Safeguard: Fine Art Insurance Solutions in Miami

Art has immense value, not just in terms of beauty but also in its monetary worth. Whether you're a collector, gallery owner, or artist, safeguarding these treasures with comprehensive insurance is paramount. In the vibrant art scenes of Miami and Florida, First Classins insurance stands out as a premier provider of Fine Art Insurance Miami, offering unparalleled coverage tailored to the needs of the art community.