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
Covid-19 has encouraged California leaders to rethink their ambitious health care agenda, they still managed to enact significant new laws intended to lower consumer health care spending and expand access to health coverage. When Governor Gavin Newsom concluded the chaotic legislative year — his deadline to sign or veto bills —
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
Washington, D.C. government has long advocated against paying ransoms to any individual or group, for any reason. Despite this position, ransoms have been paid, particularly in the area of cyber ransomware – a virus that lands on your server and holds your entire network hostage, till you pay the ransom. Click
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
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
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
If your insurance agent is not your first choice to turn to for assistance in applying for safety equipment grants, you might want to reconsider -- and get another insurance agent. I’ve been very successful at it. Here’s my story: When the State Compensation Insurance Fund announced they would be allocating funds
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,
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