You’ve finally reached your vacation destination, and are arranging for your rental car. The rental car agent is recommending you purchase their insurance coverage – what should you do?
Generally, you should be OK waiving the rental car insurance, if:
• You already have personal auto insurance coverage which inludes comprehensive and collision coverage.
• You are renting the [...]

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In California, there is a mandatory endorsement on every homeowners policy for workers compensation. However, that endorsement can be very confusing and only covers very specific situations.
Before the coverage under the workers compensation endorsement on the policy starts, there are two things that must have occurred in the 90 days prior to the injury.
1. [...]

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Could you be sued? Anyone can be sued, regardless of their net worth, for just about any reason. If you are held legally liable, economic damages may be assessed against you for the plaintiff’s medical bills and expenses, lost wages as well as large rewards for pain and suffering and distress.
How does [...]

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While California’s Insurance industry waits for the results of recent reforms to workers compensation, employers in the state will most likely still see increases in their Workers Compensation premiums in 2013.
While Senate Bill 863 was signed into law last year attempting to lessen rate increases with a number of changes including how benefits are calculated [...]

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Approximately one out of twenty people either own a condo that they rent out or live in, but only a few of these owners have proper insurance coverage. Typically, the Homeowners’ Association (HOA) insures the exterior of the condominium building and the commonly owned property while providing liability insurance for the association. However, the [...]

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1. Personal property replacement – If there was a fire in your building, it’s unlikely that you would have enough money to replace every single item. Your landlord does not provide coverage for your personal belongings, as they don’t have an insurable interest. Your renter’s policy would pay to replace each and every covered [...]

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With the holidays here and 2012 coming to an end, it is a great time to remind everyone on some tips for this time of year.
Home Insurance:
1) If you purchase or receive personal property as a gift, such as jewelry, cameras or miscellaneous items, be sure to check your Homeowners Insurance for coverage [...]

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The 2012 California Consumer Complaint Study is now available at the California Department of Insurance website. Click here for the complete report.
All three of the Mercury companies, Mercury Insurance, Mercury Casualty and Cal Auto all ranked among the top 10 carriers with the lowest ratio of complaints per 100,000 policies. As you [...]

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In an effort to effectively manage their operations, most business owners need to anticipate the cost of their workers compensation costs…. which in California can be a moving target. The challenge is that workers compensation rates fluctuate from year to year and are also cyclical. Typically, workers comp rates will go [...]

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Are you aware that our insurance carriers offer numerous discounts on your home and auto insurance? Are you certain that you’re getting all the discounts you are eligible for? The only way to know for certain is to give us a call, and have our friendly customer service representative do an insurance [...]

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