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November 6, 2018 5 Things Homebuyers Should Know About Flood Insurance

Wherever in the western United States your home is located, it’s likely to be in a flood zone. That’s because flood zones are everywhere. In fact, almost 41 million Americans live in flood zones, according to a study published in the Environmental Research Letter. In 2017 alone the National Flood Insurance

October 31, 2018 OSHA Presents: The Top 10 Violations of 2018

OSHA revealed the agency’s Top 10 violations for 2018 at the National Safety Council Congress & Expo in Houston, Texas. Patrick Kapust, deputy director of OSHA’s Directorate of Enforcement Programs, presented the agency’s list. While the list is largely familiar, there are a few surprises. The data covers violations from October

October 26, 2018 Technology is Increasing Workplace Safety

“Technology” – from robots to artificial intelligence – is becoming an imperative for workplace safety. According to experts at the National Safety Council Congress and Expo (quoted in Business Insurance) automation that gives risky jobs to machines, artificial intelligence that can help manage safety concerns, sensors that can tell a worker

October 24, 2018 Federal Law Protects Disabled Employees, Confuses Employers

In 2018, Federal law covering how employers manage their employees has grown complex and confusing. Navigating through the ever-changing legal parameters of managing an employee’s injury is, for many employers, into a difficult, time-consuming and costly. Here’s a local example reported in the Insurance Journal: a locally-owned Central California grocery is

October 2, 2018 Expensive Water Damage, and How to Avoid It

Water damage is the second-most filed claim by homeowners and renters every year, but few people really know how to keep water where it belongs – in your pipes and in your water heater – and not soaking your floors or dripping through your ceilings. Water may be a “necessity of

September 5, 2018 California Landlords: Require Renters Insurance in Your Lease

The National Fire Protection Association estimates that 70% of fires in multifamily dwellings are the result of tenants’ negligence. Many landlords don’t know that a lease can require tenants to obtain and maintain renters insurance – and doing so benefits everyone involved. Most tenants assume that the landlord’s insurance policy covers renters’

August 21, 2018 Property & Casualty Losses Hit $25.3 Billion in 2017

I recently wrote an auto insurance policy for a new client, and due in large part to the insured’s claims spiraling out of control, premiums increased from $77,000 annually to its current annual premium of $225,000!While we were not the broker on the previous policy, we are now the ones

August 16, 2018 Be Prepared: Adding Teenage Drivers to Your Auto Policy

As sure as the sun rises in the morning and every day ends with a “y”, sooner or later parents will add their teenage children to the family auto insurance policy. It can be a challenging time, but it doesn’t have to be. Parents may be confident about their teen’s