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When Should a Small Business Get Cyber Liability Insurance?

Turn on the television and you’re bound to hear of a new data and security breach for some of the largest companies in the world. Millions are put at risk when their information is exposed, leading to customers being vulnerable to fraud and other crimes. Not only that, but the damage

A Nightmare of Data Theft & Cyber Attack to Avoid

People were celebrating a recent New Year’s Eve in the streets and clubs of San Diego, when burglars broke into the offices of a nearby company and carried off computer hardware. Undiscovered until after the holiday, it appeared to be a random theft. In addition to the computers, the burglars got

Protect Your Dental Office from Cyber Attacks

You’ve probably read about big hacking attacks against major corporations and even government agencies, but what hasn’t made a lot of news are the hacking attacks that are now launching regularly against small businesses. Over the past few years, hackers have expanded their attacks beyond multinationals to much easier targets: small

Executive Officers of a Corporation and Premium Calculation

Many small companies doing business as a corporation are confused about the guidelines established by the California Workers’ Compensation Insurance Rating Bureau regarding Executive Officers. “Executive Officers” means those officers of a corporation or limited liability company commonly known as President, Vice President, Secretary, and Treasurer. I've seen the following situation

Hello from Ron in Los Osos!

Hello world! I have been in the insurance business for more than 30 years - the last 15 with Van Beurden - and I've enjoyed learning how different businesses operate. Of course, each industry serves a different part of the economy so it is rewarding to be part of my clients'