With the start of the New Year, new changes come as well. The State of California has implemented new laws that may affect you. Some of these laws will bring changes to the environment, gun rights, criminal justice, workplace as…
Read MoreHome Insurance Replacement Coverage
With the recent wildfire events of California, it is more important than ever that home owners carry adequate replacement coverage for their home. Typically, when people think of what their home is worth, they tend to consider either what they…
Read MoreInsurance Tips
There are many potential gaps that could exist within an individual’s insurance policies. Below are a few common gaps that can create a large financial loss for an insured if they discover that they do not have proper coverage. First,…
Read MoreCommercial Inland Marine Coverage
Commercial insurance policies that include business personal property (BPP) provide coverage for certain types of equipment, tools, furniture, etc. while at the insured location. If the business equipment and materials frequently move to different locations (jobsites for example), the company…
Read MoreThree Things to Know About Your Auto Insurance
Paying for auto insurance is the law, but do most people know what they are getting in exchange for their premiums? In California, insureds are required to carry minimum limits of liability which include $15,000 indemnification per person in each…
Read MoreImportance of Auto Rental Reimbursement Coverage
Unfortunately, accidents can happen anywhere, anytime and to anyone of us. Are you prepared with Auto Rental Reimbursement coverage if you are involved in an accident? Here is some information to keep in mind to help you determine the importance…
Read MoreUmbrella Insurance
Having the right level of coverage is key in protecting your hard earned assets. An umbrella policy can help protect you over and above your underlying insurance limits. Whether you are a business owner and own buildings or an individual…
Read MoreLatest Insurance News
At HWP we strive to update our clients with the latest insurance news, see below some of the most recent updates from our carriers: Mercury Insurance • Has introduced an Annual term for their preferred automobile program *currently they only…
Read MoreWorkers Compensation
Running a business is no easy feat. Especially, when you have to think about things like employee payroll and workers compensation coverage. Workers compensation pricing is based on several factors. The main factors involved are the classification code of employees,…
Read More5 Must-Have Smart Gadgets for the Home
Technology is permeating every aspect of our lives. Smart home devices not just for the tech guru anymore! These smart devices are transforming the homes of families all over the world. It’s time to step up your home tech game…
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