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VBI Blog

July 16, 2010 Are Your Valuable Possessions Protected?

People who own valuable possessions such as jewelry, antiques, paintings and other fine arts need broader coverage than what a basic homeowner’s policy provides. Although most homeowners’ insurance policies will pay for items damaged by losses such as fire and theft, scheduling these items expands coverage to protect additional losses such

May 3, 2010 Self Insured Group Goes Down

And might take its members with them. The following is from a recent article from the Insurance Journal Online. California Contractors Self-Insured Group Closes By Patricia-Anne Tom April 30, 2010 The California Office of Self-Insured Plans is revoking the certificate of the Contractors Access Program of California (CAP), a self-insured group of contractors, as requested by

April 30, 2010 Personal Umbrella Insurance

Do you have personal umbrella insurance?  If not, it could cost you a fortune! If you have assets that are greater than your current insurance liability limits, you should protect them with an umbrella policy.  With the frequency of lawsuits increasing dramatically it has become more important than ever to make sure

April 28, 2010 Independent Contractors and the New Economy

The fact of the matter is, there is much confusion regarding the status of who actually is an independent contractor. Despite rumors that the economy is slowly, very slowly rebounding, government entities nationally are in fiscal holes: The Obama administration estimates that there is up to $2.7 billion+ in unpaid Social Security,

April 16, 2010 Flood Insurance Program Extended to 5/31/2010

According to the Insurance Journal the National Flood Insurance Program has been reauthorized but only through May 31, 2010.  The authorization was retroactive back to 02/28/2010.  So, for a brief time, it will be business as usual. It is of great concern to me that the program could again go into

April 13, 2010 California Homeowners Insurance-Replacement Cost

Is your home insured to Replacement Cost?  According to the Insurance Journal, the California Department of Insurance is proposing regulations to ensure that homeowners have more accurate replacement values for their homes as under-insured homes are becoming a problem. With the recent down turn in the real estate market there is