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,
I recently met with a new prospect who agreed to go through my Risk Assessment Process -- the prospect is now my client. Our risk assessment process is meant to uncover risks and threats our new accounts potentially face and may not even be aware they have. During this specific meeting
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
If your company relies on digital technology (that’s just about everybody) you’re in danger of waking one morning to learn someone has meddled with your digital data. Cyber crime is foremost in the news because international hackers supported by countries unfriendly to the United States, have directed enormous efforts to disrupt
Immigration has become one of the most highly debated topics among politicians and residents alike. No matter what your view is, we know that this is a difficult and sensitive topic to navigate. As a business owner it can be even more complex. We’re now seeing action being taken in our
Injuries and accidents happen. That’s why Workers’ Compensation Insurance exists – to protect you and your business. But there are other factors that are putting your business at risk. In fact, most claims that spiral out of control are due to circumstances not related to the incident itself. If an insurance
The time to begin evaluating new insurance policies for your business will be here before you know it. Before you start thinking about insurance for 2018, I want to tell you something: The way you are buying insurance might be hurting your businesses. A Look At The Average Employer’s Insurance Buying
The healthcare vote in the Senate has been delayed because they do not have enough votes to get it through the Budget Reconciliation process, which requires 51 votes to pass. In addition, if something isn’t passed by August 1 of this year, I think they will move on to tax reform and
Here in California, it’s safe to say we as a State would not be asking the federal government for a waiver. The State of California has been a big proponent of the ACA and the Covered California Exchange. If more control is left up to the States it’s the “ Status
In dealing with the changes in the new modification calculation (4th one in 4 years) by the WCIRB, I have been attempting to explain what happened to a majority of my clients. Below is an actual email that I sent to a client in order to attempt to explain what