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Who Needs Commercial Insurance?

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You’ve probably heard of commercial insurance as a highly experienced business owner or manager. This coverage assists your company in dealing with potential income losses, property damage, worker’s compensation issues, and possibly marketing liabilities. Owners of Businesses As a typical business owner, you understand the importance of having commercial insurance. There are numerous risks that…

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Artisan Contractors Insurance

  Artisan Contractors Need The Right Kind of Insurance Construction projects depend on the special talent and skills of artisan contractors.  Artisan contractors are part of our thriving economy. For many artisan contractors, the most cost effective and efficient way to obtain property and liability coverage is with a Business owners Policy (BOP) especially tailored…

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Why Your Agent Needs To Be A Problem Solver

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When you get right down to the fundamental reason you buy insurance, it is to solve a problem. If you have a fire or some other loss, it becomes a problem. Many people look at insurance as an umbrella; you open it, and when bad things happen, the umbrella is designed to protect you. But…

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Backflow Tester Insurance

pipes

If you are in the business of testing Backflow devices, please consider the information below. Backflow testers have unique risks and insurance needs. We offer coverage to firms all over California and the United States. Backflow from a residential property is generally not a big problem. Backflow liability from an industrial and commercial property that…

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Communication Is Key To Any Relationship

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We live in the greatest age of communication. Today there are more ways to connect with each other than at any other time in history.  For example, we have access to personal cell phones, email, web pages, videos, social media, traditional mail, and more. So why don’t you and your independent insurance agent communicate more…

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Wildfires Have Devastated Parts of California

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A Personal Insurance Update The past few years have seen wildfires destroy communities, homes, and people’s lives.  Our thoughts and prayers are with those of you who have suffered a loss.  Experts tell us that the total property loss for these events will reach over 12 billion dollars. Beginning last fall, California suffered a series…

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How Can You Protect Your Business At Night

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A Commercial Insurance Update Every business is exposed to possible damage or loss during non-business hours. That is why your commercial insurance needs to consist of “all risk” coverage to include vandalism, theft, and burglary.  In addition, there are actions you can take to help reduce the chance of having a loss after hours. Risk…

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California Wild Fire Season Is Here… Are You Prepared?

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Every year, wildfires threaten people, businesses, and homes throughout the US, especially those located in or near wilderness areas. As more and more people and businesses move into rural areas, more people and property are at risk from the dangers of wildfires. Once a wildfire starts in your area, you can’t control it or prevent…

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Prepare For Wildfires

fire

Wildfires And Homeowner’s Insurance Unlike earthquakes and floods, wildfire damage should not require a completely separate policy and probably does not even require a high-risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases, wildfires are covered, but it is always good to call your agent…

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Ride Share Insurance

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Do ride share drivers need special insurance? Before getting started on this exciting new venture, it’s important to remember that auto insurance is a critical and necessary component to consider before getting into the ride-sharing company. Unfortunately, a lack of knowledge is a primary reason why many people do not have proper ride-sharing insurance. Your…

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