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April 6, 2021 Our Work Comp Alternative Approach Saves You $$

Here’s a story of how my discovery of a simple calculation error led to a substantial savings in Work Comp costs for a longtime business client. It is incredible how many California Work Comp premiums can be reduced through Van Beurden’s Alternative Approach that includes a detailed experience modification (Ex-Mod) audit. In

October 18, 2020 Does Homeowners Insurance Cover Wildfire Damage?

A homeowners insurance policy will cover damage from fire, including wildfire. If your house is damaged by a fire, the policy has several coverage types to help repair or rebuild the home, replace belongings and, if necessary, pay for temporary housing if you can’t live in the home. If you haven’t recently

September 21, 2020 The Real Risk Ahead: Fires and Floods

Wildfires in the Western United States have increased in frequency and intensity. This year in California, the wildfire season began long before the actual fire season, and the fires have broken records. The horror, devastating damage and loss of the fires and smoke affects nearly every Californian, there’s an additional threat

August 26, 2020 5 Really Good Reasons to Buy Pet Insurance

Pet owners already know how much they cherish their furry friends. But few pet owners know about one of the most important things we can do for the little tail wagers: pet insurance. We humans embrace dogs, cats and other companion animals as full-fledged family members. We read the fine print

August 13, 2020 The New Normal: How Can Your Business Protect Assets Today & Tomorrow?

The Insurance Journal recently published a surprising article about Business Interruption Insurance -- lawsuits have surpassed 700. Claims surrounding Business Interruption Insurance are complex and as a result will take years for everything to play out in court. Bottom line, there is a common feeling in the insurance industry that coverages

June 16, 2020 You and your clients may have noticed increasing umbrella rates – here’s why

Fast-rising costs have affected auto rates – and umbrella rates are facing similar trends. While many carriers respond by restricting coverage, I’ve found Safeco continues to offer a true umbrella product with useful coverages like Internet libel, personal defense and worldwide liability. COVID-19 may be driving a short-term decrease in miles driven,

June 8, 2020 Protect Your Company: Are Customer Waivers the New Normal?

After months of pandemic lockdowns, communities are reopening and businesses are finding we live in an entirely new world. Waivers – forms signed by customers entering your place of business – are becoming the new normal. From hair salons and recreation centers to stock exchanges and wedding photographers, the notices have sprung