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…
Read MoreHome Based Business Coverage
With the current state of the economy more and more people are establishing home based business ventures or are working remotely from their residence. If you fall in either category it would be beneficial for you to review your homeowners’…
Read MoreEarthquake Sprinkler Leakage – Covered?
Is your commercial building sprinklered? Are you a tenant in a building that is sprinklered? Do you own a commercial building or are a tenant in a commercial building that is equipped with a sprinkler system for fire suppression? You…
Read MoreIs your Commercial Building considered “Vacant?”
If so, were you aware you are now VERY LIMITED in coverage? Below is language from a standard commercial property policy. Be sure to look at yours, or contact our office for your carrier’s exact wording. Limitations We will…
Read MoreCommercial Building Owners Insurance and Tenants Insurance
Commercial Building Owners – Are you the owner of a building with one tenant or multiple tenants? As a building owner, do you have the proper insurance to cover you and your investment in the event of a loss? Do…
Read MoreProtect Yourself From a Business Income Loss
Business Income Coverage Did you know…………..If a loss causes your business to close down for an extended period of time, your current policy might not provide the income replacement to continue payroll for key employees? As an owner of a…
Read MoreProtecting you and your Business: Americans with Disabilities
Since 1969, California laws have entitled individuals with disabilities to full and free access to all buildings and facilities open to the public — including rental housing1. California law later added civil penalties, including a private right of action, allowing…
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