866-729-1274 / mamiusa.com

Art Basel, one of the most important art shows in the world, has chosen Miami Beach as a yearly venue for their exhibits. As a result, every December, Miami becomes the choice destination for art enthusiasts from all over the world. Tourists pour into the city for the weather, the atmosphere, the food, nightlife and most importantly the art. Galleries all over Miami Beach and the Design District open their doors and invite patron in to view their art and purchase what is of their liking.

The collection of art has long been a hobby for many, but the investment in art has also been an important part of many peoples’ portfolios. Insuring your art collection is very important since homeowners insurance usually has limited or no coverage for high value pieces. MAMI Insurance is available to aid you with all of your art insurance needs. Art insurance is usually purchased by individual collectors, museums, trusts, foundations and galleries, on all art pieces ranging from paintings to sculptures, antiques, furniture, rare coins, silverware, jewelry, and musical instruments.

Proper appraisal of your art collection is essential in insuring art because the value of art fluctuates from year to year. Therefore, art appraisers are key in assessing the value of each particular piece so that you and your insurer can have an agreed value of the art in case of full or partial loss. Art insurance covers natural disasters (hurricane, wind, food, earthquakes, etc.) and extends worldwide so art can be covered when being moved and taken to and from being on exhibit.

MAMI Insurance customizes art insurance policies for customers all over the world. Lloyd’s policies can be purchased in US Dollars to cover art in any part of the globe. MAMI Insurance is experienced in working with a global customer base to work directly with each owner to plan for their needs.

866-729-1274 / www.mamiusa.com

South Florida is not only famous for its amazing sunshine and beaches. It’s also known to have our country’s hottest nightlife, club scene and concert venues. The hotspots are filled with trendsetters from around the globe looking to make their mark on the decadence in South Florida.

The high priced entrance fees, cocktails, and VIP table service makes the nightlife business a great business. Patrons typically pay $12 and up per drink and $200 and up for bottles of liquor at the table.

The rich enjoy spending and being seen and the club owners enjoy getting rich. The price of this wealth doesn’t come easy, there are many risks, liabilities, and logistics that must be carefully considered when starting or while running a night club operation. We at MAMI Insurance, have the experience and communication necessary to make sure your club business maintains the proper insurance coverage. There are many nightclub insurance issues that are essential to reviewing so that the liability exposure is brought down to a minimum and that the risk is controlled. A consultation with one of our insurance professionals is the best place to start in order to get a handle on your business.

During your initial discussion with a member of the MAMI Insurance team, as a business owner you will be asked many questions regarding the operation you’re looking to insure. Here a is an overview of the type of information that will be important. Insurance companies want to know if the establishment is primarily a drinking service bar, dance club, or music venue with bands and DJs. These are just examples, but each type of the mentioned purposes is distinct and may require a variation on the type of coverage that’s needed for the business. There will also be an inquire into the location – in many areas a bar near a college town is more likely to have fights, and other violence related issues.

The general rule is that where there is alcohol being served, it creates the potential for unruly behavior and increases the chance of accidents, injury, and other types of liabilities. It’s also important to have a safety plan in place to minimize damage and control a unforeseen occurrence at the club. Insurance provides coverage for various situation that are more than likely to occur and insurance coverage is one of the most prudent steps to take in order to build a lasting successful nightclub business.

MAMI Insurance is ready to answer you questions regarding the right insurance coverage for your business.

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The summertime has finally arrived, and for most insurance companies that means a focus on hurricane coverage; however, we’d like to address something a bit more enjoyable. There are many local and international residents in Aventura that own yachts and large speed boats – the summertime is perfect to hit the water and soak in the sun. The kids are off from school and if you got the big toys like yachts and boats, it’s time to use them. MAMI Insurance knows the ins and outs of insuring these expensive hobbies.

There are so many details that are recommended to review – understanding where boats and planes can travel related to different policies, coverage of crew, engine issues, cosmetic issues, bodily injury, and so much more. Don’t go at this alone, our team of professionals will get you on the right track.

Most yacht owners already know that this toy is much to detailed to manage solo, that’s were the captain and crew come in and take care of the mechanics and maintenance of the vessel. Typically we address three areas of insurance – General Liability (we can add charter operations liability), Hull Coverage (the vessel itself), and Mechanical Breakdown (engines and other on board mechanical system). There are several other areas that we’ll go over, relating to where the vessel will navigate, where the ship is flagged, and the type of use – each of these aspects can affect the premiums.

The nature of this specialized field of insurance demands that our team have relationships with the Yacht Brokers, this is often useful to our clients. We work with with Yacht Brokers such as fraseryachts.com, floridianyachtsales.com. Our relationships in the marine business also extend to marina’s such as Bahia Mar in Ft Lauderdale and the local Uptown Marina. We also coordinate with charter management companies.

For those individuals or companies that own and operate air crafts, we also highly recommend a phone call to speak with our specialized team. Let’s touch upon a few basic considerations when it comes to insuring your plane. We’ll need the pilot’s information, type of plane and determine if domestic or international coverage is needed. Like most insurance, liability for passengers, third party liability is available and we’ll review those details with you directly. There’s also various types of coverage for service stations and manufactures.

YES THIS CAN GET DETAILED AND SPECIFIC…DON’T GET FRUSTRATED. We’ll explain every step of the process and guide you to the best coverage that’s appropriate for your needs. The important thing to remember is that your privileged to own one of these fun toys, so better make sure to protect it and most importantly ENJOY IT!

We look forward to speaking with you regarding your coverage.

Are you a property owner in South Florida? If so, you need to be aware of discussions going on to possibly raise property insurance premiums. Recently, the Sun Sentinal published an article about this insurance issue that has everyone buzzing. Here’s the link for you to read directly – http://www.sun-sentinel.com/business/fl-property-insurance-laws-20110413,0,293333.story

In the meantime, here’s an excerpt from the Sun Sentinal article that discusses Citizens Property Insurance.

Raises Citizens premiums

Customers of Citizens Property Insurance would see premiums rise up to 15 percent or 25 percent a year, depending on whether a House or Senate bill prevails. That means a $1,000 premium could increase by 75 percent or 144 percent in four years because of compound interest.

Current law caps annual increases for policyholders at 10 percent.

The bills, HB 1243 and SB 1714, also would bar the insurer from accepting policyholders who can find a private insurer that charges up to 25 percent more and allow Citizens to drop policies for homes that cost $500,000 or more to replace. The Senate version, which allows fewer policyholders to be dropped, will be taken up by a final legislative panel on Friday. The House version faces a vote by the whole chamber.

It’s difficult for the consumer to stay up to date with the politics, laws, and regulations surrounding the insurance industry. That’s why having a direct relationship with an insurance agent and broker in your area to the best solution. We at MAMI Insurance in Aventura pride ourselves on client communications. We are always available to answer questions relating to the insurance industry commonly revolving around – health insurance, homeowners insurance, auto insurance and of course insurance premiums.

In addition to being a full service insurance agency, MAMI Insurance has experience in working with South America clients regarding shipping container insurance, homeowners insurance, and other speciality policies important to International clients.

Feel free to call us anytime or visit our website MAMI Insurance – Insurance Aventura.

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Almost everywhere you look in Aventura condos can be seen, some are located on the water and others on the golf course, some have views of both. The neighboring cities on the coastline are also packed with condos. The beachfront condo market is one of the most popular places to live. People flock from across the globe to live in Sunny Isles Beach, Hollywood Beach, Hallandale Beach, Bal Harbour, Surfside and the surrounding areas. Each of these waterfront condos must be concerned with their property insurance for the condominium residents. Condominium insurance can be a very specialized field since this involves hundreds of units, large properties, flood zones, and hurricane issues.

MAMI Insurance is a local South Florida insurance company located in Aventura with the experience to identify the most comprehensive condominium insurance on the market. Our team at MAMI Insurance understands how to work directly with the condominium and to focus an insurance strategy that best suits the needs of the condo. A condo on the beach in Sunny Isles might have different issues and requirements than a condo in Aventura. Because MAMI Insurance knows the local market we can discuss any condo insurance coverage topic relevant to your area.

One of the most common topics regarding condo insurance revolves around hurricane coverage and other types of water damage hazards common to South Florida. Regardless of the issues in front of the condominium regarding their insurance, MAMI Insurance will communicate clearly and efficiently to explain all the coverage and liabilities. In addition to guiding condominiums with their selection and reevaluation of property insurance policies, MAMI Insurance offers a range of insurance solutions appropriate for individuals local and global.

Here’s an interesting Youtube video describing some condo property insurance issues regarding liability exposures.

MAMI Insurance is located in Aventura Florida and our website is www.mamiusa.com

www.mamiusa.com

M.A.M.I., Aventura based insurance brokerage, has recently gained two important insurance company appointments, GMAC for Auto (www.gmacinsurance.com) and Federated National for Homeowners (www.myfnic.com). These are two exciting additions to servicing auto insurance in Aventura and homeowners insurance for Aventura condos and homes.

M.A.M.I. wishes to thank all their current clients that continue to recognize the superior service their agency offers. The sales director at M.A.M.I. says, “As our agency grows, our ability to provide our customers with more options does as well. These new appointments not only provide more options but also competitive pricing.”

To learn more about the insurance products that M.A.M.I. offers, visit their website at www.mamiusa.com

866-729-1274

The objective of taking pictures for insurance purposes is mainly for you to remember all the things you had. You see your stuff everyday but if it is all gone and you are asked to remember what was in every room and your every shelf, that might be difficult to do and you will get a smaller reimbursement check from your insurance company. In fact, insurers report that their customers will add possessions to their claims months after they file because they forgot about things in the beginning, showing these pictures to your insurance claims adjuster will also help your claim get approved faster because you have a good proof of what you had.

If you close your eyes, can you list all of the valuable things in the room you are sitting in? Did you remember the computer you are using right now, your grandfather’s clock, and the pair of glasses you set on a shelf? If you cannot remember everything in one room, how will you remember everything you have in your whole house? And if you have just had some disaster which caused damage, you will be even less likely to be in a frame of mind to remember what you had in your home; Keep in mind that you purchased the coverage because you wanted to cover your most valuable assets. This includes your actual home, and it also includes the personal belongings you have inside.

The process of taking photos for insurance inventories also reminds people of just how much they own and stand to lose. Many people underestimate the worth of their possessions and aren’t sufficiently insured. Going through the house taking pictures for insurance claims provides a chance to re-evaluate the amount of insurance needed to replace everything in the home. Insurance inventories are like emergency services: Although you pray you never have to use them, it’s a comfort knowing they’re there if you do end up needing them.

According to the U.S. Fire Administration, one out of every 150 U.S homes suffers a fire that destroys property that cannot be adequately identified for insurance purposes.

Help To Prove Value
Just in case you haven’t saved every receipt for every item you purchased, it will help to have a picture to prove the true value. If your laptop is burned up in a fire, it may be hard to convince your insurer that it was a top model instead of a basic one. A picture of your extra wide screen or the label may help after the actual PC has been reduced to a pile of melted plastic.

And if you only have some fragments of your grandfather’s clock, you need a photo to establish the fact that it is a genuine antique. Otherwise the claims adjuster may just look at some metal scrap and wood fragments, and he or she would just want to reimburse you for an ordinary clock if you own anything of particular value, like an expensive wedding ring, you will want to photograph it too. One example where this is particularly useful is if the item is just damaged, but not really ruined. If the diamond falls out of your wedding band it would be very helpful to be able to show your insurer that the ring used to be intact.

Taking Photos for Insurance Inventories
Taking pictures for insurance inventories seems like a simple enough process: Go around the house and photograph everything you own. While this sounds simple enough, it is, in fact, a big job. It’s easier to break things down room by room and to schedule several days when taking photos for insurance inventories.

Start by taking photos of each room from every angle. Although these pictures aren’t going to be your complete photo inventory, they will provide you with some reference points if you need to make insurance claims while you’re still building your photo inventory. Keep negatives or prints of these photos in a safety deposit box.

Break it Down By Room
Next, pick a room to start in and take photos of everything, not just the items you consider valuable. Remember, if you lose everything in a fire, you’ll have to replace wooden spoons and Tupperware, as well as major kitchen appliances and silverware.

Take photos of the inside of pantries and cleaning closets to give insurance adjusters an idea of how many groceries and other essentials could have been lost. Remember: In a worst-case scenario, you could be starting from scratch.

Go through each and every drawer, cupboard and shelf when taking pictures for insurance inventories. On the back of each photo, write the cost of each item and the date it was bought (or your best guess of when you purchased it). Provide as much information as possible.

Close Ups and Backgrounds
Close-up pictures work best when taking photos for insurance inventories, as they provide the maximum amount of detail. It’s a good idea to take several photos of valuable items from several different angles: The more detail included in pictures taken for insurance claims, the better.

Shoot pictures for insurance claims on plain backgrounds whenever possible. Placing each item on a plain background makes it easy to identify individual items. A white blanket makes a good background because of its color and the fact that you can place several items on it at the same time.

Pictures for insurance claims should include the outside of the house. Garden tools, plants, swimming pools, patio furniture and even landscaping should all be carefully photographed.

Cataloging and Storing Pictures for Insurance Claims
It’s easiest to catalog photos for insurance inventories by individual room. Pictures for insurance claims can be stored as negatives, prints or on a CD if a digital camera is used.

Never store your insurance inventories in the home. A safety deposit box is ideal for storing pictures for insurance claims. Failing that, store your insurance photos in a family member’s home that is some distance from your own. Should your home be severely damaged by a fire or flood, you’ll want a copy of your inventory in a safe place.

Any online data backup service would take the backups and you will always know where they are, you could also burn the files on to a CD and store them at someone else’s house or put them in a flash drive and keep it in a fire proof home safe. Wherever you put these files, make sure it’s secure and easy to get to, some place where you will remember where they are. Optionally you could take normal, print pictures and get them develop.

Digital versus Film
Most insurance companies won’t concern themselves over whether pictures taken for insurance claims are on film or in a digital format.
If an item is exceptionally unusual or expensive, however, film may be better than digital. Film cannot be manipulated as easily as digital images and is less likely to lead to challenges on insurance claims.

Updating Photos for Insurance Inventories
Once you take your photos for insurance inventories make a habit of keeping them updated. As new items come into the house, they should be photographed, documented and added to insurance inventories. Keep all receipts with the photos to further assist in insurance claims.

Hopefully you’ll never need to use an insurance inventory, but if the worst happens, photos for insurance claims help maximize the money you receive for your insurance claims.
This is one of those things that you do not want to wait too long to do or else it might be too late, so take this picture soon so that you are prepared. Losing everything can really disrupt your live and having a good record of everything can make a huge difference during that time.

Summary of Instructions

Take pictures of every room in your house from every angle. Zoom in to shelves with small items and open drawers to ensure all your belongings are in your insurance pictures.
Photograph any valuables individually. Place items against a plain white background. Take pictures in a brightly lit room so the flash will not be necessary. The flash is not good for fine details and will cause glare.

Use your camera’s macro mode for especially small valuables such as coins. Place another item in the picture for a size reference such as a ruler or currency.
Take a separate picture of the serial number. This could help prove you owned the item or help find it in the event of theft.
Burn the picture files to several compact discs. Place one copy of the disc in a fire and water proof safe made especially for media. Place a second copy of the disc at work or at the home of a friend. Upload your pictures to an online photo sharing site such as flickr.com so in the event of an insurance claim, your pictures will be safe.

Helpful Links

http://homesecureinventory.com/

http://www.stuffsafe.com/

http://mozy.com/

http://www.apple.com/mobileme/

www.mamiusa.com 866-729-1274

M.A.M.I. Insurance, located in the UBS building in Aventura, celebrated the holidays by hosting a party in the lobby for the entire building. This evening was a mix of wine, cheese, and laughter with friends, family, and business colleagues – a perfect way to enjoy the holiday season.

As we turn the corner to 2011, it’s nice to be able to reflect on the year and remember our family, friends, and the businesses that have made a difference. M.A.M.I. Insurance was certainly recognized by the attendants who continue to appreciate their hard work and client devotion.

Since the celebration, M.A.M.I. Insurance has been hard at work and recently began working with the Skylake Synagogue, an important center in the Jewish community. This is yet another valuable community interaction of M.A.M.I. Insurance, they continue to connect with more and more individuals, organizations, and businesses in the area. Have you met the team at M.A.M.I? If not, you can visit them in person on the ground level at the UBS building in Aventura.

M.A.M.I. Insurance is a full service insurance company ready to assist all your needs – homeowners insurance, auto insurance, health coverage, commercial insurance. They also have detailed experience with insuring cargo and other international insurance needs. You’ll be very pleased with the communication and dedication of the M.A.M.I. team.

www.mamiusa.com

M.A.M.I Insurance recognizes the importance and excitement of the Hebraica Maccabi Games. This year, like others, they have signed up as a sponsor at the games and had a booth right in front. The group at M.A.M.I enjoyed meeting new faces, answering questions, and mingling with many current clients that came out to compete and cheer. This insurance company in Aventura supports many community events like this and will be hosting a holiday party this coming season – stay tuned for details.

M.A.M.I is looking forward to continuing their community involvement and to providing assistance to many residents and businesses in Aventura.

Zumba and M.A.M.I. Insurance are two companies with Aventura roots coordinating to create a easy and valuable insurance product for fitness instructors.

Staying Fit in Aventura is where it’s at! Watch the Today Show video to learn more.

Residents get their exercise fix in many ways – some walk the golf course circle, others jog around town, many hit the bike paths, and plenty are members of fitness centers.There are many fitness centers in the area that offer more than a place to lift weights and cardio machines – fitness classes are all the buzz.

Chances are you’ve heard of Zumba, the a dance fitness class that’s a national hit, we’ll the founder is based in Aventura. He was recently featured in the Miami Herald’s 20 successful professionals under 40 -

http://www.miamiherald.com/2010/04/25/1595452_p4/20-successful-professionals-under.html

Alberto Perlman

AGE: 33

OCCUPATION: Chief executive/co-founder, Zumba Fitness

LIVES IN: Aventura
Born in Bogotá, Alberto Perl-man founded the popular fit-ness craze Zumba in Miami in 2001 with two Colombian partners and a $2,000 investment.
Today, the fitness classes, which incorporate merengue, salsa, reggaeton, hip-hop, African, belly dance and Bhangra, can be found in 75 countries worldwide, attracting six million participants each week. During the past two years, the privately held company has sold millions of DVDs and launched its own clothing line. It is now venturing into video games such as an upcoming Zumba for the Nintendo Wii.

QUOTE: “I don’t measure our success in revenue or profit, even though it is a very healthy business. I measure it in how many instructors’ and consumers’ lives have been changed.”

Clearly, this company is setting a standard in the fitness industry. Zumba is very popular in Aventura and other fitness conscious locations around the world.

Recently, Zumba partnered with K&K Insurance and the Aventura based broker and program manager M.A.M.I. Insurance, to provide its ZIN members (fitness instructors) with Instructors General Liability insurance coverage. The policy launched successfully in August and is available in all 50 states and internationally shortly.

This is an exciting option for instructors and fitness centers. If you’re a Zumba instructor or thinking about becoming one, visit the Zumba website and follow the following steps.