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…
Read MorePreparing for a Power Outage
When the lights went out, most San Diegans quickly learned that they weren’t necessarily prepared for a power outage. Although it was short lived, another occurrence is always a likely possibility. Hopefully by now you have a plan of action…
Read MoreWhat does Workers Compensation on my California Homeowner’s Policy cover?
Whether it be a babysitter, housekeeper, gardener, or contractor, Homeowners often have people coming to perform work on their property and in their home. While the California Homeowner’s Policy does include an incidental workers compensation endorsement in it, it also…
Read MoreLandlords: Beware of Vacant Buildings!
In today’s unsettled economic environment, it is not unusual for a commercial building to sit vacant for an extended period of time. If you own a building in this situation, you should immediately call your insurance broker and discuss how…
Read MoreNew Policy Available for Your Technology Business
Media and technology are revolutionizing the way we communicate. And yet traditional insurance policies are not keeping up with this evolving landscape. Fortunately, we offerCyber, Privacy, & Media (CPM)insurance policies, which have been specifically designed to provide comprehensive protection for the cyber,…
Read MoreBusiness Owners: Are You Protected for Discrimination Lawsuits?
In today’s highly litigious society, many business owners may be subject to a potentially lethal liability exposure that they never considered: It is called “Third Party Employment Practices Liability”. What is that, you ask? Third party employment practices liability is…
Read MoreAre you eligible for the California Small Business Tax Credit?
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. …
Read MoreReduce the Cost of Workers Compensation – Encourage a Safe Work Environment
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…
Read MoreE.P.L. (Employment Practices Liability) coverage is Not Included in your Business Office Policy:
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…
Read MoreNew California Workers’ Comp Regulations
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…
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