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Homeowners Flood Insurance Affordability Act of 2014

FEMA Highlights of Homeowners Flood Insurance Affordability Act of 2014 FEMA released Bulletin 14011 Overview of the Homeowners Flood Insurance Affordability Act of 2014 available in its entirety at this link.  For the most up to date information available on the new flood reforms, please refer to this FEMA Bulletin. Excerpts from

Summer Is Almost Here!

  Is your boat or jet-ski insured??? There are five common mistakes boat owners make with their insurance coverage. Whether they believe they do not need insurance because they own their boat, or because the boat isn’t physically in the water during the off-season, there are widespread misconceptions about when boat and

Distracted Driving: Two Words That Should Never Be Seen Together

Do you sometimes wonder at drivers focused on everything but the road? She’s texting! He’s reading a map on his tablet! She’s turned around, yelling at a child in the back seat! Welcome to the world of distracted drivers. The statistics are frightening: Every day, 4,300 crashes result from distracted driving Drivers talking

Cyber Liability – Are you Safe Without It?

Cyber Liability: Questions to Ask About Your Coverage We’ve all heard the stories of overseas hackers breaking into networks to steal credit card numbers, and other private information. The fact of the matter is, it’s happening with increasing frequency, and even though you think your network is protected by passwords and

IRS: Vast Majority of Independent Contractors are Mislabeled

Forbes reports that the IRS is taking a much closer look at workers labeled as “independent contractors,” and that could mean potential trouble for employers. When employers pay independent contractors, there’s no income tax withholding, no employment taxes – it’s the responsibility of the worker to pay taxes. Even assuming that

Are You A Professional?

Do You Need Professional Liability Insurance? If you aren’t sure, here are a few questions you should ask yourself first: Are you licensed? Are you educated? Are you regulated? Are you an expert? Do you use those words to attract clients? If you answered yes to any of the above questions, then professional liability insurance (also known

Legislation to Expand Medicaid / Medi-Cal introduced in California

California Assembly Speaker John Perez introduced legislation in California to expand Medi-Cal. This was done to help California comply with the Affordable Care Act, where all US Citizens must have Health Insurance starting in 2014. A Fresno Bee article on the subject may be found here: Legislation to Expand Medi-Cal. Several things

Cycling is on the Rise … Do You Have the Coverage You Need?

As gasoline prices increase, more and more commuters are going green and saving by biking to and from work.  Making sure you have the proper coverage is important! “A bike can cost anywhere from a few hundred dollars for a basic model to several thousand dollars for a fast, light

Executive Bonus Plans Considered

Running a successful business often depends on recruiting, rewarding, and retaining talented executives and key employees who are committed to the business owner’s goals. In addition to paying an attractive salary, the business owner must offer a competitive benefits package. Trouble is, government regulations make it difficult for employers to