Here are some tips to help you make the right choices about homeowners insurance. Just as there are different home styles, insurers offer a menu of different policies. For the majority of single-family homeowners, the most appropriate policy is the HO-3, sometimes called the Special Form. It insures all major perils,
As an insurance professional, I read a lot of blogs by other insurance professionals and insurance carriers. Browsing my favorite blogs the other day, I came across one from Enhanced Insurance that was particularly interesting to me. Below are some topics from their blog that any well-informed insured should speak with their
Many of us have at least one piece of jewelry with significant value. And almost as many have felt the sure fire panic associated with a piece of jewelry gone missing. Most of the time, we find it laying next to a sink or in the bottom of a suitcase, but what would happen if
We have all seen the stories about companies that have had HUGE problems because they didn’t protect the personal information of their customers while in their control. In a well-known case, Target just agreed to pay $20,000,000 to settle a claim from a 2013 data breach. Is your business at risk
A new growing season is upon us and we thought you should take a moment and rate your company’s performance in the following areas. If you have any concerns, we can help. Cal –Osha / Compliance How confident are you that you are fully compliant with Cal-Osha regulations and record keeping? How confident
The Division of Occupational Health and Safety is making a move to once again change the standard on Heat Illness Prevention. I know, this is not a shocker, but in reality it makes no sense. Just as recently as last year a major overhaul (some would call plain stupid) on
According to a 2014 Insurance Information Institute poll, only 37% of Renters said they carry renters insurance, while 95% of Homeowners carry homeowners insurance. Plainly said: 63% of Renters polled would have no protection to help replace their belongings following a major loss. It's important to understand that if you rent, the
Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily
What if I told you that one $4 change could reduce the incidents of field ladder falls by 60+%? Do you think that this might have an effect on the overall cost of your Workers Compensation coverage? The 2013 WCIRB Report on 2013 California Workers Compensation Losses and Expenses reports that
Rain and wind - Rain and windstorms can create massive destruction. When this damage occurs, many people find themselves wondering what is covered and what is not. Most property insurance covers damage from rain and windstorms. However, there are many exclusions and limitations contained in the policies that are unique