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Speed Kills

I recently met with a trucking prospect whose experience mod took a serious increase from 99 to 128%. The cause of this issue was one smaller claim (total incurred of $3,600) that was left open with more than half of the incurred being reserves. Now, reserve levels should be looked at...

California Earthquake Insurance Update

When an Earthquake occurs, and is of a magnitude where property damage may occur, insurance companies may put a moratorium in effect for any new business in that area. The moratorium will stay in effect until aftershocks have passed. With the recent 7.2 earthquake in Baja California several companies have...

Human Resources

In the ever changing market of Workers Compensation, having a knowledgeable Human Resources Department is one of the most useful and cost effective tools in saving your company money.  By utilizing the tools and knowledge from a HR person you will ensure your firm hires, fires and works within the parameters of  California...

California Earthquake Insurance

With the recent earthquakes in Haiti and Chile, many of my clients have called and asked if their Homeowner’s policy covers Earthquake coverage.  Many people may not realize that most Homeowners, as well as Renter’s and Condo policies, do not include earthquake coverage and it must be purchased separately, either...

NFIP Lapse and Hiatus Guidelines

Due to the hiatus until the re-authorization of the NFIP has occurred, we will not be able: Issue new policies Increase coverage on existing policies Issue renewal policies If you have an escrow closing between 3/28 and 4/12 in a designated flood hazard area you will not be able to secure flood...