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Blog Page
01 Apr, 2025
Strategies to Manage Rising Auto and Homeowners Insurance Costs in California
Simple strategies to manage the rising cost of auto and homeowners insurance.
19 Jan, 2023
Are Your Grown Kids Properly Covered?
An adult son or daughter may think that, when a loss happens, coverage is available from mom or dad's homeowners or auto policy. It usually isn't, and finding this out after a loss is an unpleasant experience.
05 Jan, 2023
Saving Water Damaged Property
Salvage experts, property specialists and government agencies advise that quick action is critical when dealing with water-damaged property. Many types of personal property can be saved within 48 hours of being exposed to water.
03 Jan, 2023
Employee or Independent Contractor?
Business owners have a lot at stake when determining whether persons connected with their ventures are employees or independent contractors. The largest issue with making this determination involves taxes and insurance.
22 Dec, 2022
Holidays? Vacations? Coverage???
Many events often trigger a need to evaluate one's insurance landscape. It may spur a need to buy renters coverage, homeowners or auto policy or secure wedding coverage, an umbrella policy or endorsements for jewelry, etc.
13 Dec, 2022
How Insurance Handles New Exposures
Insurance, even in the 21st Century, is typically considered similar to an ocean liner: it is huge and, while it can adjust its course, it doesn't do so quickly or particularly with grace. In other words, it is often a long, painful process for insurance to work out how it deals with new or evolving exposures.
08 Dec, 2022
Need Flood Insurance?
Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance.
24 Nov, 2022
Be A Common-Sense Host
Holidays and special events often include celebrations that bring together families and friends in homes across the country. Food, fun, conversations and spirits flow generously. Unfortunately, such celebrations may be accompanied by injuries and accidents, especially when alcoholic drinks are involved. Increased drinking leads to an increased chance for a personal tragedy and the consequences can be substantial.
22 Nov, 2022
Dwelling Fire Coverage
The dwelling fire coverage form was once the only option for providing residential property insurance. Then, it only offered modest coverage for private (non-commercial) building property and personal contents. As time passed, the evolution of coverage forms with broader protection resulted in the program being replaced by the homeowners policy.
20 Nov, 2022
A Few ‘Non-Negotiables’ about Your Personal Umbrella Policy
So maybe you’re still on the fence about whether purchasing a personal umbrella policy is a good move for you and your family. Following is a list of “non-negotiables” — that is, these are the exposures your family may have that make having an umbrella policy a must.
17 Nov, 2022
Working From Home, Property Concerns
While many performing their jobs have long done so away from a traditional office, the viral pandemic created a tremendous surge of persons working from home (WFH).
10 Nov, 2022
Working From Home, Liability Concerns
In "Working From Home, Property Concerns," we discussed a need created for persons who may be required to work from home.
01 Nov, 2022
Worker Safety, Injury Causes
In this article, we continue to share examples and ways to improve dangerous situations.
29 Sep, 2022
What Is Homeowners Insurance?
Homeowners insurance protects you financially from losses related to the home you own or are purchasing. (If you rent your home, you would need insurance for renters.)
16 Sep, 2022
Umbrella Insurance: 5 Common Questions
Umbrella Insurance: What is it? How does it work? What should I know as a consumer to protect my business and personal interests? Here are 5 common questions about Umbrella Insurance.
14 Sep, 2022
What is Umbrella Insurance?
What are the details of umbrella insurance and what does it cover?
15 Mar, 2022
Professional Liability
Increasingly, professionals and certain occupations need special insurance protection as they are targeted by lawsuits. This is due to the high standard of accountability under which they operate.
01 Feb, 2022
Commercial Auto Symbols
Have you ever, during a particularly wild moment, closely examined the insurance policy that covers your business vehicles? If so, you may have noticed the little numbers that appear next to each listed coverage. Hopefully you're familiar with these numbers and their meaning. If not, please see below.
03 Dec, 2021
Electric Scooters
Some cities have fought against the disruption caused by E-scooters. E-Scooter Rental companies have usually taken a strategy used by more mature, sharing and gig economy players such as Airbnb. Rather than adhere to traditional business entry practices, such as undergoing licensing or permit protocols, E-Scooter companies often show up in an area overnight, without advance notice.
25 Feb, 2021
Social Media Liability
Your chances of suffering a loss is increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them.