Category Archives: Chamber News

Risk Management for a More Secure Future

pic J Everette Risk Management
Jim Everett, Jim Everett Risk Management Planning, LLC.

“Life is filled with risks,” observes Jim Everett, of Jim Everett Risk Management Planning, LLC. “Risk management can help mitigate those risks and preserve your assets. This is true whether you’re protecting personal or business assets.”

Jim explains that risk management goes far beyond simply purchasing an insurance policy.

“That’s a large part of it, of course,” he confirms, “but it’s also important to allocate resources properly.”

He recalls one client who owned a fairly large business. He bought cars for his two daughters and, in an effort to save his daughters the expense, titled and insured the cars in his company name.

Risk Management car accident
Risk Management makes it possible to mitigate losses.

“I advised a change,” says Jim. “I suggested moving the titles and insurance into the daughters’ names, so his company would not be liable if one of the girls was involved in an accident. Fortunately, he took that advice. Six months later, one of his daughters did have an accident. Had he not made that important change, his company could have been sued for damages.”

Adapting with Risk Management

Jim has been offering that kind of sage advice since he 2010, when opened his first insurance office with Allstate in Seminole. He expanded into Treasure Island in 2012. In December 2017, Jim opened his current business so he could offer a wider range of products through more insurers.

“Working with a single company was a great way to start in the insurance business,” Jim acknowledges, “but I now have greater flexibility in what I can do for my clients.”

Jim is well positioned to maximize on that flexibility: he spent more than 30 years in Information Technology, calling on businesses large and small for industry giants like Sprint. He noticed what risks companies faced, and how well or poorly they prepared for those risks.

“What I do, really, is educate people about how they’re using and protecting their assets,” he clarifies. “Most people discover that they’re not properly insured when something happens and they’re faced with an unexpected loss. I advise people to think of insurance like a financial portfolio, and make sure it covers all their contingencies.”

Risk Management Fills Gaps

He explains that insurance policies are not necessarily designed to work together, so coverage gaps are fairly common.

Jim remembers helping one client avoid a potential financial disaster simply by carefully reviewing the client’s several insurance policies.

“He had a strong insurance ‘portfolio,’” Jim remembers, “with a $2-million personal umbrella policy, and auto, flood, and home insurance policies. Even so, he was at risk. I saw that he only had $100-thousand in homeowner liability coverage, but his umbrella policy required him to carry $300-thousand. I wrote him a ‘gap’ insurance policy, because his homeowner’s policy would have left him exposed to a $200-thousand risk.”

Periodic Review Reduces Risk

Jim advises periodic reviews of asset allocation and insurance policies to ensure the best risk management.

“It is not necessary to hold quarterly reviews,” he notes, “but an annual review is wise. It is also important to review your positions after any significant life change. Marriage, divorce, the birth of a child, a death in the family, retirement, even a change in residence can affect how you manage risk. Some of these factors can also affect the discounts you can receive on your policies.”

There is a lot to know in order to provide the top quality service Jim provides. “Keeping current with laws and products involves a learning curve,” says Jim. “I hold three licenses, and was required to take more than 240 hours of instruction to earn them. I take another 20 hours of continuing education every other year to renew them.”

Community Leader

Jim is a member of the Board of Directors of the Treasure Island & Madeira Beach Chamber of Commerce, and has been a member since he opened his Allstate office on Treasure Island in 2012. “I like this Chamber’s focus on the beaches,” reports Jim. “With a larger Chamber, it’s harder to get oriented and make an impact. I’ve met great people through this Chamber, among them Bill Karns on Madeira Beach, and Dennis Fagan on Treasure Island, who helped me as I started my offices.”

Now firmly established, Jim says he tries to leverage his success to give back to his community. His personal and professional support go to the Chamber, which includes support for R.O.C. Park, the Gulf Beaches Rotary Club, Treasure Islettes, and the American Legion, among others. Jim also supports Big Brothers/Big Sisters of Tampa Bay, the Guardian Ad Litem program, and Special Olympics.

Reach Jim Everett Risk Management Planning, LLC, by calling 727-452-6844.

Sharing Holiday Hope at the Chamber

Sharing Holiday Hope at the Chamber

Every year, we’re excited about sharing holiday hope. We search for just the right gifts for friends and loved ones. We plan parties to throw and attend. We prepare our traditional meal favorites, or research new recipes. And we look forward to boat parades and street parades, holiday festivals, and holiday mixers. Sharing Holiday Hope… Continue Reading

Friday Morning Market returns for 11th Season

Friday Morning Market returns for 11th Season

The Friday Morning Market, sponsored by the Treasure Island & Madeira Beach Chamber of Commerce, enters its eleventh season on December 7 with a variety of crafts, produce, art, collectibles, foods, jewelry and live music. Vendor applications are now being accepted. The Friday Morning Market is open from 9 a.m. till 2 p.m. on Fridays… Continue Reading

Kiosk Volunteers Needed!

Kiosk Volunteers Needed!

If you’ve ever wanted to tell someone where to go, why not be a kiosk volunteer for the Chamber? Every weekend from September through April, visitors to our beaches stop by the Chamber’s Information Booth, a kiosk located at 107th Avenue and Gulf Blvd. They’re looking for directions in getting around, as well as for… Continue Reading

Red Tide Moves South

Red Tide Moves South

We’ll all be breathing easier — literally. The Florida Fish and Wildlife Conservation Commission (FWC) is watching as the red tide moves south, not north, and away from Pinellas beaches. On Friday, August 10, it appeared that weather patterns would bring the bloom of karenia brevis north of the Sunshine Skyway, putting the Pinellas beaches… Continue Reading

Opposing Offshore Drilling

Opposing Offshore Drilling

TREASURE ISLAND|MADEIRA BEACH ­­— The Treasure Island & Madeira Beach Chamber of Commerce, at its June 19 Board meeting, passed Resolution 2018-06 opposing offshore drilling and urging the United States government to refrain from oil drilling and exploration along Florida’s Atlantic coast and in the eastern Gulf of Mexico. “Our ecosystem is fragile,” pointed out… Continue Reading

Minning Heads Environmental Preservation Committee

Minning Heads Environmental Preservation Committee

TREASURE ISLAND | MADEIRA BEACH ­­— Robert Minning, formerly Mayor of Treasure Island, was appointed on July 6 to chair the EPIC (Environmental Preservation Initiative for our Communities) committee of the Treasure Island & Madeira Beach Chamber of Commerce. “Mayor Minning has a long history of environmental advocacy,” said Chamber Board Chairman Joe Dise in… Continue Reading

MEMBER HIGHLIGHT: Pocket Change Inshore Fishing Charters

MEMBER HIGHLIGHT: Pocket Change Inshore Fishing Charters

Pocket Change Inshore Fishing Charters Reeling in Adventure!  The start of Pocket Change Inshore Fishing Charters is the stuff dreams are made of. Literally! “My son Anthony had built his own fishing boat and had been running small charter trips for about ten years while working a full-time job,” recalls Patricia Corcella. “I’d been thinking… Continue Reading

Member Highlight | The Club at Treasure Island

Member Highlight | The Club at Treasure Island

Top-flight Event Venue on the Beach “The Club at Treasure Island is a private membership club, true,” says Director of Marketing Joshua Cruz, “but we are also an attractive and affordable event venue on the beach for a variety of non-members’ special events.” Founded in 1972 as the Treasure Island Yacht & Tennis Club, this… Continue Reading

Member Highlight | Florida d’ Signs

Member Highlight | Florida d’ Signs

Owner: Andrea Yeager-Munsey 727-363-3866 http://www.floridadsigns.com/ Signs and … Hurricane shields! You’ve heard that old saying about necessity being the mother of invention? In Andrea Yeager-Munsey’s case, it was frustration, not necessity, that led her to start her current enterprise, Florida d’ Signs. “Andrea had a thriving water sport business for years along the beaches,” says… Continue Reading

Member Highlight | Baby’s Away

Member Highlight | Baby’s Away

Owner: Debbie Fisher 727-316-1233 / 800-252-0254 https://babysaway.com/   Keeping Vacations Carefree! Your ideal Florida vacation is in peril: You’re flying to the Sunshine State with an infant, a toddler, and a six-year old. “What were we thinking?” you ask your spouse. Three children in six years? And a trip to visit your parents on the… Continue Reading

MEMBER HIGHLIGHT: RGA Network

MEMBER HIGHLIGHT: RGA Network

RGA Network Founder and Chief Idea Officer: Mark O’Donnell 727-433-2774 RGAnetwork.net https://www.facebook.com/RGANetwork/   Wall Street Marketing at Main Street Prices When Mark O’Donnell laid the groundwork for Revenue Generating Activities, he introduced a fresh approach to professional business networking in Pinellas County. “I’d had years of networking experience,” says Mark, “but most of the groups… Continue Reading

Beach Access is now more accessible

Beach Access is now more accessible

Beach visitors who use wheelchairs, walkers, and strollers will now have easier access to Treasure Island’s white sand beaches. “We finished putting the MobiMat® Recpath™ in place at about eleven this morning,” said Justin Tramble of the City Recreation Department on April 27. “I went later in the afternoon and there were hundreds of people… Continue Reading

Board Chairman Joe Dise Attended Governor’s Dinner

Board Chairman Joe Dise Attended Governor’s Dinner

TREASURE ISLAND | MADEIRA BEACH – Early in March, the Chairman of the Board of the Treasure Island & Madeira Beach Chamber of Commerce, Joe Dise (Dise Wealth Management), and his wife, Erin, attended Governor Rick Scott’s Leadership Dinner at the Governor’s mansion in Tallahassee. “The evening was an intimate gathering,” said Dise in describing… Continue Reading

Health Fair | Trade Show | Car Show

TREASURE ISLAND ­­— The 2nd Annual Health Fair and Trade Show, sponsored jointly by the Treasure Island & Madeira Beach Chamber of Commerce (TIMB Chamber), Revenue Generating Activities (RGA) Network, the Gulfport Area Chamber of Commerce, and the Seminole Chamber of Commerce, is set for Saturday, April 21, from 10:00 a.m. till 2:00 p.m., at… Continue Reading

TIMB Chamber Presents Mayors’ Prayer Lunch

Treasure Island, FL ­­— The Treasure Island & Madeira Beach (TIMB) Chamber of Commerce presents the 14th Annual Mayors’ Prayer Lunch at 11:00 a.m. on Friday, February 23, at The Club at Treasure Island, 400 Treasure Island Causeway. Current Mayor Bob Minning and former Mayor Mary Maloof have presided over the event for the past… Continue Reading

Chamber President at Visit Florida Summit

PINELLAS COUNTY, FL — Missy H. Hahn, president of the Treasure Island & Madeira Beach Chamber of Commerce, attended the Visit Florida Tourism Leadership Summit in West Palm Beach December 11-13. The summit was “designed to explore insights, issues, and trends facing the travel and tourism industry and encourage meaningful dialogue among Florida tourism industry… Continue Reading

SBA Continues Commitment to Florida Hurricane Irma Recovery With Disaster Loan Outreach Centers and Hours of Operation

ATLANTA – The U.S. Small Business Administration has approved almost 30,000 disaster loans totaling over $1 billion for disaster survivors of Hurricane Irma in Florida, and SBA’s assistance is still available. Customer Service Representatives are stationed at 12 locations throughout Florida to answer program questions, assist in applying for an SBA disaster loan and help… Continue Reading

McDole Joins Chamber Board

TREASURE ISLAND, FL — The Treasure Island & Madeira Beach (TIMB) Chamber of Commerce announces the appointment of Kathleen McDole to its Board of Directors. McDole is president of Friendly Fisherman, L.L.C. and treasurer of Hubbard Enterprises, and brings a strong background in business and community service to the Board. She is one of the… Continue Reading

Chamber Hosts Business Forum

Treasure Island, FL ­­— The Treasure Island & Madeira Beach Chamber of Commerce invites Treasure Island businesses to meet with Board members on Monday, December 4, from 6 pm till 8 pm at the Treasure Island Community Center, 154 – 106th Avenue, Treasure Island. “Our businesses often turn to the Chamber with issues that affect… Continue Reading

Gators Café & Saloon Donates $21,175 for MobiMat® Recpath™ Beach Access Mat

TREASURE ISLAND, FLORIDA — Gators Café & Saloon, a subsidiary of HCI Group, Inc., donated $21,175 to the City of Treasure Island for the purchase of a MobiMat® Recpath™ to be installed at Treasure Island Gulf Front Park, 10400 Gulf Blvd. Paresh Patel, Chairman and CEO of HCI Group, Inc., presented the check on behalf… Continue Reading

Bilmar Beach Cafe/Sloppy Joe’s recognized for EPIC efforts

Treasure Island ­­— Bilmar Beach Café and Sloppy Joe’s Bar & Grill, both part of the Bilmar Beach Resort, at 10650 Gulf Blvd., on Treasure Island, received Certificates of Compliance in the Treasure Island and Madeira Beach Chamber of Commerce EPIC program.   The presentation by Chamber Chairman Gregory Tong came at the August 1… Continue Reading

Treasure Island/Madeira Beach Chamber certified as a Visit Florida Travel Information Center

TREASURE ISLAND—VISIT FLORIDA, the state’s official tourism marketing corporation, named the Treasure Island & Madeira Beach Chamber of Commerce as its newest Certified Travel Information Center on August 21, announced Chamber President Missy H. Hahn. “This makes our office the first and only state-certified Travel Information Center on Treasure Island,” noted Hahn, “and we are… Continue Reading

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