Archive for the ‘Business Insurance’ Category

Mercury Insurance is celebrating 50 years of service. The company was founded in 1962 in Los Angeles, Ca. Their philosophy is to value customers relationships, which has been a success over the years. The insurance industry then is much different than it is today. The biggest [...]

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In today’s world of declining home and commercial market values, there often is a misconception that there is also a corresponding decline in insurance replacement values. This is a misconception that can be very costly to both the homeowner, and the business owner. In reality, there is very little correlation [...]

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The new IRS Small Business Healthcare Tax Credit helps businesses and small tax exempt organizations afford the cost of covering their employees’ healthcare benefits.  If you already provide your staff healthcare benefits, you may qualify for the 2010 tax credit.  If not, because you can get both a deduction and a tax credit you may [...]

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A properly used fire extinguisher can save your loved one’s lives and property.  It’s important for each member in the household to be able to locate and effectively operate a fire extinguisher.  A fully charged extinguisher typically discharges for ten seconds, so efficient use is critical.
Another important aspect is to ensure that the extinguisher you purchase is adequate for [...]

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California announced the launch of its new federally funded, high-risk health insurance pool for people with pre-existing medical conditions. The Pre-existing Condition Insurance Plan (PCIP) is the first consumer program to be offered under the federal health reform law and will operate alongside the state’s existing health insurance pool.  PCIP rates are much lower than [...]

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The State of California requires businesses to have Workers Compensation Insurance in order to cover any costs associated with employee injuries at the workplace.  Workers Compensation Insurance covers medical expenses and lost work time for the injured employee; however, the cost of insurance claims through Workers Compensation can be one of the most expensive costs [...]

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Employment Practice Liability includes any of the following directed against your employees, temporary workers, former employees, or applicants for employment, and for which remedy is sought under federal, state, or local statutory or common Civil Employment law:

Wrongful refusal to employ;
Wrongful failure to promote;

Wrongful demotion or discipline and/or negligent valuation or   reassignment;

Wrongful termination of employment, including retaliatory [...]

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New Workers Compensation Requirements effective 10/8/2010
California’s Division of Workers’ Compensation (DWC) has finalized regulations that require all employers within the state to post a new Notice to Employees – Injuries Caused by Work. You must post this notice, in a conspicuous location frequented by employees, by October 8, 2010.
Failure to post the notice by the [...]

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According to a recent study by the ACFE (Association of Certified Fraud Examiners), U.S. organizations lose 7% of their annual revenues by fraud.   The median loss caused by occupational frauds was $175,000 however the median loss for small businesses (those under 100 employees) was $200,000.  Check tampering and fraudulent billings were the most common small [...]

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Top reasons to Insure with an Independent Agent vs Direct Writers or Online Insurance Companies!
Your insurance needs are unique, and that’s why it is important to consult with an Independent Insurance Agent .    Independent Agents are not tied to a single insurance carrier, so they have the flexibility to customize your Carlsbad auto insurance or [...]

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