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NOAA gives 2025 a 60 % chance of an above-normal Atlantic hurricane season, with 13-19 named storms and up to five majors. At the same time, Tallahassee just pumped an extra $100 million into the My Safe Florida Home wind-mitigation grant program, and local hurricane expos are popping up statewide to help owners brace for impact.

On July 2 - 3, 2019, lightning ignited a Woodford Co., KY rickhouse packed with 45,000 barrels of “young” Jim Beam bourbon. The blaze sent a 23-mile whiskey plume down the Kentucky River, caused a mass fish kill, triggered environmental fines, and left marine and property insurers staring at as much as $150 million in losses.

South Florida’s construction boom is colliding with record-breaking heat, and OSHA’s newly proposed Heat Injury & Illness Prevention Standard means contractors can no longer treat summer scorchers as “business as usual.”

Florida law makes workers’ comp mandatory once you pass certain employee counts (4+ for most firms, 1+ in construction; 6/12 in agriculture). Policies pay medical bills, partial wages, disability, and death benefits for on-the-job injuries. Your annual premium = (class-code rate × payroll ÷ $100) × experience mod, minus safety/drug-free discounts. Keep reading for the simple version, and handy links to the Florida Division of Workers’ Comp.

South Florida’s gorgeous coast and booming economy come with a downside: five headline-making risks that can kneecap an unprepared...