From Our Blog

We work hard to be the most helpful insurance agency possible. In addition to providing personalized service, we share the latest insurance news and our knowledge with you through the dozens of relevant articles on our blogs.
 

Think You Don’t Need Workers’ Compensation? Think Again.

Workers’ compensation insurance is critical in protecting yourself as a business owner. In California alone, over 23,000 workers’ comp claims are...

New California Sexual Harassment Laws

2020 is here—and if your business is operating in California, that means you need to be up to speed on the new California sexual harassment laws....

Additional Insured Endorsements and How They Work

75 percent of businesses in the United States are severely underinsured. Are you one of them? One key area where you might be leaving yourself...

Why It May Be Time to Fire Your Insurance Agent

“You’re fired.” Those words are devastating to hear and, for many, are just as difficult to say. If the thought of having to fire someone gives...

New and Upcoming Labor Laws in California Every Employer Should Know

2019 has been a year of massive changes when it comes to California labor laws. We’ve seen changes ranging from an increase in the minimum wage to...

Why the Cheapest Insurance May End Up Costing You

You feel the hit every time your insurance premiums are due—or at least your bank account does. And year after year, the hit only gets bigger....

What California's Wildfires Mean for Your Insurance Premiums

For California residents, wildfires have switched from rare occurrences to an ever-present threat. In fact, 2018 saw the worst wildfires in the...

What to Expect During a Workers’ Compensation Audit

Audit—the word has a unique ability to strike fear into any business owner. But if you know what type of audit will be performed, what to expect,...

Why Your Commercial Auto Premiums Are Increasing

Have you noticed your Commercial Auto Insurance premiums increasing year in and year out? You’re not alone. By the end of 2018, commercial auto...

Active Shooter Readiness: How to Prepare for the Unimaginable

Imagine going to work as you normally do, sitting down at your desk, drinking your coffee, tackling some of the paperwork that you’ve got stacked...

How to Classify Freelancers, Employees, and Independent Contractors

The American workforce is changing. Until recently, most workers pursued a single, long-term position at a company where they would stay for...

Cover Wallet, PIE, Hippo: How Low Start-up Premiums Lead to High Costs

As a business owner, you have a million little things to do every day. From handling invoices to leading marketing initiatives, you’ve got a to-do...

Everything You Need to Know About Earthquake Insurance

The United States experiences nearly 20,000 earthquakes every year. While most are small, some produce devastating effects. Just this past week in...

How to Prepare Your Company and Employees for an Earthquake

On July 5th 2019, a 7.1 magnitude earthquake struck Southern California, forcing many businesses to shut their doors. In its wake, journalists Tim...

How to Protect Your Employees from the Summer Heat

Last summer, we saw temperature records shattered throughout the nation. In fact, in some areas of California, temperatures spiked to 118 degrees....

Business Insurance Jargon Every Business Needs to Know

If you're like most people, discussing insurance makes your eyes glaze over. And now we're about to mix insurance with the dictionary? We get it,...

Why Attorneys Should Never Practice Without Malpractice Insurance

When you start practicing on your own, or join a small firm, there will be countless concerns you have as you get started. You have to worry about...

Experience Mods: Learn the Rating Formula that Will Help You Save Big On Your Workers’ Comp Premium

If your business operates in the state of California and has employees, then you know you’re required to carry workers’ compensation insurance....

Your Next Password Choice Could Cost Your Business Thousands

As yet another account creation screen prompts you for a username and password, in hopes to save time to get to your real work, you default to...

The Hidden Costs of Driving Under the Influence (DUI)

Maybe the “one drink” you agreed to have with friends or colleagues turned into three or four as time passed. Or, perhaps you found yourself...

How California’s New Sexual Harassment Law Affects Your Business

January will bring new opportunities to your company, such as the start of a new fiscal year and possibly a new business plan. Because we work in...

Tips For Handling A Business Insurance Claim

As a responsible business owner, you've done all your due diligence to protect your investment and find the insurance policies that are the most...

What Kind Of Business Insurance Coverage Do You Need?

Every business is going to be different, just like the people who are behind that business, doing their best to expand, innovate, and grow. Some...

Must Have Insurance Policies For Contractors

The construction industry is always busy, but it’s also a business that has a lot of unique risks and challenges. Unlike many other ventures,...

Things You Didn't Know Your Business Insurance Might Cover

We’re all familiar with the basic concept behind insurance. Insurance is "contingency money" to provide financing in case the unexpected happens —...

The Coverage Every Employer Needs But Few Purchase

Every employer works very hard to provide the best environment for employee success. But no matter how hard we try, we are at risk every single...

Stop Settling For Cheap Insurance — Hire the Insurance Team You Need

Do you often find yourself bargain-hunting to find the “best” deal? If so, then chances are that you’ve also searched for the most cost-effective...

Why Am I Stuck with the Same Old Workers Compensation Policy? (Part 2)

In the previous article, we discussed alternatives to the standard, guaranteed cost program when your company is large enough and has really good...

Why Am I Stuck with the Same Old Workers Compensation Policy?

Business owners go about their day doing what they do best — running their business. But once a year they receive a visit from their insurance...

3 Easy Tips to Help Prevent a Cyber Breach

Cyber breaches are on the rise and increasingly appear in the news. Personal information is gathered and stored on computer systems more and more...

Everything You Should Know About Errors and Omissions Coverage

Errors and omissions insurance is a type of specialized insurance that can protect you and your business in the event of a lawsuit. It's critical...

How to Find Out if You're Overpaying for Business Insurance

Business insurance comes in many shapes and sizes, and although it’s necessary for companies to have it, it’s still possible that you're paying...

How Mismanaged Risk Management Costs Your Business

Risk management is all about evaluating financial risk in order to protect your business and minimize potential losses; a vital task that...

Does Your Business Need Employment Practice Liability Insurance?

Employment practice liability, or EPL, is a set of United States laws that protect employees from mistreatment. It deals with claims of illegal...

A Look Inside How Agents Help Businesses Get The Right Insurance

Choosing business insurance is like choosing a babysitter.

When you pay somebody else to step in and take care of something that you treasure, you...

7 Common Mistakes Businesses Make When Buying Insurance  

Business insurance is just as important as providing amazing services and products to your customers because it helps protect your business...

Why You Should Bring Your Agent in to Talk to Employees

Your business may offer benefits to your employees, but how much do those employees understand about their options?

In most cases, employees still...

5 Important Facts About Commercial Umbrella Insurance

California Commercial Umbrella InsuranceIf you own a business, you likely own some form of general commercial liability, or CGL, insurance to...

Are You Looking for a New Agent?

Can you really buy insurance on your own? Can you give yourself a physical?  Can you clean your teeth the way a dentist might?  The answer to all...

Independent Agents Can Help Reduce Workers’ Compensation Costs

Every business needs workers’ compensation insurance.  Workers’ compensation insurance is designed to help injured workers in many ways.  Workers’...

Why is Workers’ Compensation so Important?

Your business relies on employees to provide products and services to your clients.  Without a strong and committed employee base, your business...

Are You in the Market for a New Business Insurance Broker?

Are you in the market for a new business insurance broker?  Then you need to continue to read this article. Your business exposes you to considerable...

What Is so Innovative About Business Insurance?

We don’t have to tell you that we are in a very competitive business environment. If your business is not growing, it will be hard to invest in...

Real Solutions for the Liability of Your California Business

California Businesses Have a High Probability of Being Sued

Are You Concerned About Your Business’s Cyber Risk?

Here Is Why You Should Be

How to Effectively Evaluate Your Risk Management Program

Developing a Cost of Risk Model

Can Knowing Your Cost of Risk Help Your Business?

Most businesses define their insurance program by looking strictly at premiums.  If business premiums go down, businesses tend to think things are...

How to Develop a Better Understanding of Business Liability Insurance

Your business provides goods and services as well as jobs to the community.  Running your business requires many detailed and well thought out...

The Top Business Insurance and Risk Management Trends for 2018

Is your business prepared for 2018?  If not, you had better get ready because 2018 may be filled with many twists and turns that could affect your...

Start Your 2018 Personal Insurance Planning Today

As we move into 2018, it is important to take stock of your personal insurance program.  Many different life events can affect your personal...

Burglars Are Looking for Post-Holiday Bargains

A Personal Insurance Update

The Importance of Professional Liability for Architects and Engineers

Professional Liability Insurance for Architects and Engineers

You Should Really Love Your Business Liability Insurance

Most of us would never say we love our insurance. In fact, most clients don’t even read their business insurance policy. Maybe after you read this...

California Workers’ Compensation Best Practices

As a California business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans,...

Who Needs California Workers’ Compensation?

If your company has employees, you are required to buy workers’ compensation insurance. Some states do allow people to opt out of the system if...

California Laws That Impact Your Business

Every California business must follow federal, state and local laws. Failure to follow these laws can create risk and liability for your business....

Combine Business Insurance Policies and Save Money

The world is changing, and we understand the many issues that businesses face every day. There is constant competition for your customers, there...

Contractors Insurance

Our agency provides contractors insurance and risk services to the construction industry. Insurance can play an important role in “on time and on...

Cyber Liability in California a Major Concern for All Businesses

Cyber liability is fast becoming a common term for small to medium sized businesses in California. If you own a business in California with less...

Director & Officers Insurance - Should Your Business Consider It?

 

Lawsuits against Directors and Officers are increasing at an alarming rate. There is no doubt that many firms are managed by people who have...

Will Workers’ Compensation Change with the Times?

Workers’ compensation is designed to protect injured workers from on the job accidents or injury.  Workers’ compensation also protects employers...

A Key To Your Workers’ Compensation Success

 

Today, more than ever, businesses are evaluating the need for full time vs. part time employees. Many firms are also considering using a third...

Insure Your Business and Prepare a Business Continutity Plan

No one wants to think about an event so severe that it would cause your business to close. However, disaster planning needs to be part of your...

Employer Healthcare Mandate Delayed

In an interesting development, the portion of the Affordable Care Act (ACA) that requires employers over 50 employees to provide health insurance has...

Even Small Businesses Have Big Risks

Many think that operating a small business has little or no risk. The fact is, operating a small business has just about the same risks as any...

5 Critical Facts About Commercial Umbrella Insurance

Almost every business large or small needs some level of added protection afforded by a commercial umbrella insurance policy. A commercial...

4 Things to Review Prior to Signing any Contract

Contracts are signed in business every day.  Contracts can include property lease agreements, equipment lease agreements, service agreements, and...

Has Your California Business Overlooked These Insurance Needs?

There is nothing more important than having the right commercial insurance for your business. Let’s face it, one uninsured loss could be...

Heat-Stress Prevention From Leap / Carpenter / Kemps Insurance

As summer approaches, workers all over the state of California will experience the risk of heat stress.  Heat stress is especially prevalent in...

How Leap / Carpenter / Kemps Helps Build a Business Insurance Program

The purchase of business insurance is an essential investment for business owners. Insurance policies protect the business from the financial...

How to Build a Strong Relationship with Your Insurance Company

Commercial insurance is about developing relationships between the insurance company and the customer, or business. The more your insurance...

Does Your Business Need Professional Liability Insurance?

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These claims could include bodily...

How to Keep Your Company Holiday Party Safe for All

As we close the year out, many businesses will be hosting company parties.  Business owners, executives, and human resources personnel need to...

How to Protect Your Business from Being Sued by Employees

 

California Ranks High In Probability Of LitigationOn average, a business in the U.S. has about a 12% chance of being involved in an employment...

Workers’ Compensation Tips from Top Risk Managers

Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been...

How to Serve up California Restaurant Insurance

Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting place for friends and family, and you have regular...

How to Stay Safe During an Active Shooting Situation

It is hard to believe we have to talk about this, but given the world we live in, it may be time to address this situation.  Our thoughts and...

Insurance Truths You Can Count On

One of the most important things to consider when considering your personal or business insurance is, “What is the purpose, or goal, of having...

How to Insure Your California Restaurant

If you own a restaurant in California, it will be important to have the proper restaurant insurance to keep your restaurant open should the...

Is Your Company Picnic Covered by Your Insurance?

Many businesses are preparing to have their annual company picnic.  These are great events to gather team members and families together to...

Have Fun at the Pool… But Be Safe

Summer time is the time to enjoy the great California outdoors with family and friends. Many California homeowners have pools or hot hubs. Your ...

Is Your Workplace Safe?

As a business owner, providing workers with a safe and healthy workplace is critical to the wellbeing of your employees and the success of your...

Is Your Business Ready for the New DOL Overtime Rules?

Is your business prepared to undertake new overtime rules that will be set into place on December 1, 2016?  If you are fined because of...

Are You Starting a New Business  in California?

Startup businesses in California are exposed to a wide variety of issues including business insurance, risks, and concerns. There are many different...

Miscellaneous Professional Liability Insurance, or E&O

Today, almost any business can find itself facing a liability lawsuit. A Miscellaneous Professional Liability lawsuit can put owner’s and other...

Risk Management Mistakes Can Cost Your Business

Risk is something every business is exposed to every day.  California businesses have risk of fire, theft, employee injuries, and more. Businesses...

Start Your 2018 Business Insurance Planning Today

We live in world that is changing by the moment. These changes create risk trends that will impact your business. As you start your planning for...

Stop Bidding Out Your Business Insurance

Most business owners don’t look forward to bidding out their commercial insurance. There are many good reasons why -- you are not an insurance...

The New Economy Creates New Business Risks

Every business has faced issues related to the new economy. The new economy involves how work gets done in today’s millennial environment. Your...

The Top Commercial Insurance Myths

 

There are many insurance myths floating around, and most of them have been around for years. We want to respond to these myths with clear...

The Top Google Searches on Business Insurance

Your business insurance is an important part of your risk management program. It is important to have the right business insurance coverage,...

Top Risks of Transporting Goods

Many businesses have the exposure of their goods and products being transported by a common carrier, local hauler, or even through their company...

Two New Areas of Employment Litigation

 

Whether you are a large corporation or a small business, the employer/employee relationship has changed. In today’s world, employers can no...

We Can Help You Survive a Business  Interruption

Have you considered the cost to you if your business had to shut down for a week, month, or even longer?  We have, and we can offer a few tips to...

What is My Total Cost of Risk?

What Is My Total Cost of Risk? This article is a continuation of our series on creating a new way of thinking about business insurance. As you...

7 Commercial Insurance Policies to Protect Your Business

Commercial InsuranceThe world is changing, and we understand the issues your business faces every day. There is constant competition for your...

Why Should Safety Be Part of Your Workplace?

 

There is no question that there is a direct relationship between workplace injuries and employee performance. If an employee feels that...

EPLI Comes into Play When Employees Sue Employers

What you need to know about discrimination claims and how Employment Practice Liability Insurance can help

Your employees can be, and should be,...

Best Practices for Property Losses

Most every company owns business property, which may include the building in which you run your operations.  Property insurance protects the...

6 Things Owners and Managers Need to Know Before Hiring a Contractor

Finding the right contractor to perform quality work on time can be a challenge for many California property managers or business owners. It may...

 

Why You Should Start Using Teladoc Today

Not much feels worse than waking up on a busy Monday morning with cold symptoms: runny nose, cough, congestion, fever, and a tinge of exhaustion....

Physical Activity Can Affect Healthcare Premiums

Your hardest working employees are likely to skip sleep, lunch, and workout time to stay on top of their job. But that leads to burnout, and...

2014 Medicare Prescription Drug Open Enrollment

Today starts the open enrollment period for these plans. The time to enroll or make changes to your plans runs from Oct. 15 through Dec. 7th and...

California Life Insurance Is Not Just For Families

There is no doubt that Life Insurance provides benefits and security to California families. However, many single people may not have thought of...

Disability Insurance Offers Help When You Need It Most

If you and your loved ones depend on your salary for financial support, then you probably need disability income insurance. Think about it, if you...

How the Election May Impact Your Health Insurance

The Affordable Care Act of 2010 has been a topic of conversation since it was placed into law. It seems every during every election there is an...

How to Get the Best Rates on California Life Insurance

If you are shopping for life insurance there are a number of things you can do to help us get you the best rate. Life insurance companies look at...

Questions About Health Care Reform

As we move closer to the full implementation of the Patients Protection and Affordable Care Act (Health Care Reform) there are many questions that...

Most People in California Don't Have Enough Life Insurance

According to the latest information, most people in Merced California do not have enough life insurance. Only 6 out of 10 people have even...

What's Trending in California Healthcare?

We are well into 2015; there are some California health insurance items which business owners need to be aware of. Healthcare reform will continue...

 

How to Prepare Your Family & Home for an Earthquake

We don’t know when it will happen, but it does: the ground rattles beneath your feet, family photos fall from the walls, and you brace yourself,...

How to Ensure Your Fourth of July is a Fun, Safe and Enjoyable Holiday

Americans have been celebrating the Fourth of July since 1777. And while the spirit of the holiday remains the same, nowadays we celebrate with...

What Causes Your Insurance Premiums To Go Up?

One question we often get is, “Why are my premiums going up?” We understand increasing premiums can be frustrating, especially if you've had no...

Avoid These Insurance Mistakes In 2019

Every homeowner in California needs competitively priced Personal Insurance. Personal Insurance can be tricky—especially if you take your advice...

2019 Personal Insurance Resolutions

The New Year is just around the corner and getting “insurance fit” is an excellent resolution for 2019. It’s just as important as getting...

How To Avoid Common Holiday Home Insurance Claims

The holiday season is in full swing. Parties galore, shopping ’til you drop, and far too much good food and drink. But in addition to the...

Include a Personal Insurance Review in Your Fall Cleaning

Having a qualified insurance agent like the professionals at Leap/Carpenter/Kemps Insurance Agency perform an annual review of your personal...

Great Home Insurance Ideas

Homeowners generally understand the need for Homeowners Insurance, which provides you with financial protection against damage to your home from...

Personal Insurance Hot Topics

Here is the latest information and updates on some of the hot topics relating to your personal insurance needs and interests. It is important to...

How To Get The Best Deal On All Your Personal Insurance

A California Insurance Update 

Insurance ads are everywhere, we constantly hear: save on your home insurance now; it only takes 15 minutes to...

What Are The Advantages Of Using An Independent Agent?

There are many ways to purchase your personal and business insurance.  One way is to go online and try to figure out what kind of insurance you...

We Answer The Most Common Insurance Questions

A California Personal Insurance Update

With all the insurance advertising these days, it may be hard to fully understand how personal insurance...

The Value of a Personal Insurance Review

Personal insurance can be complex, with many different kinds of insurance coverage and exclusions. Not all personal insurance policies are created...

Summer Travel Safety and Insurance Tips

Summer is filled with many activities that bring your family together. However, nothing can turn a summer outing into a disaster faster than an...

Reducing the Costs of Disability Coverage

It goes without saying that it’s crucial to have a steady income to support yourself and your family. But what happens when an accident or...

Homeowner's Insurance Can Offer Many Benefits

We offer competitively priced homeowner's insurance to people throughout all of California. Homeowner's insurance is designed to protect your home...

Personal Insurance for High Net-Worth Individuals

For many people, standard insurance products like home, auto, life, and personal umbrella policies are adequate to protect their families and...

Little Known Personal Insurance Products You Might Need

There are so many choices when it comes to competitive personal insurance in California. These choices can include deciding what kind of personal...

How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true. The more information we have as your...

We Believe Insurance Is a Promise

There are so many different ways to buy personal insurance.  You can purchase personal insurance online, from a captive agent, or from an...

Personal Insurance Products You Need in the Summer

Summer means there are more daylight hours for activity for you and your family. With the kids home from school and vacations planned, it is...

What Is Covered Under a Homeowner’s Liability Policy 

Most people never actually read their homeowner’s insurance policy. We agree insurance policies are difficult to read and understand unless you...

What Kind of Personal Insurance Do You Really Need?

Personal insurance comes in many different shapes and forms, so it may be hard for the average person to determine exactly what kind of protection...

Are You Finally Ready for an Umbrella Policy?

A Personal Insurance Update If you are like most people, your family is growing and changing, your career is heading upward, your 401k is doing...

How Exposed Is Your Home?

Not only is your home one of your most valuable assets but it also holds sentimental value.  There are many unpredictable events that can cause...

Is It Possible to Lose My Auto Insurance?

Most insurance companies have guidelines regarding limiting or cancelling your auto insurance coverage.  It is our job to help you make sure you...

Consider Safety Features When Shopping for Auto Insurance

An Auto Insurance Update 

What Is Important to Consider When Buying Homeowners Insurance

Buying home insurance should be an important part of your financial planning. It is important to consider many different things in order to obtain...

Burglars Are Looking for Post-Holiday Bargains

Holidays are over and the decorations are down, but burglars are just getting in the mood for bargain hunting.  In California, there are over...

Why Life Insurance is a Good Bet

Life insurance rates are as low as they have been in years.  The process of getting a life insurance quote has never been easier, and most people...

Your Policy Is Only As Good As Your Agent

 

To say that your insurance policy is only as good as your agent is a bold statement.  You have also heard me say, that not all policies are...

California Personal Insurance Action Plan

California Personal Insurance Planning

Now is the best time to review your personal insurance needs. Effective personal insurance planning should...

California Renters: Don’t Forget About Insurance

Buying renters insurance in California is very easy and inexpensive. Often, just a call to our office is all that is needed. But many renters...

Can “Do It Yourself” Projects Jeopardize Your insurance?

Many people are remodeling their homes these days.  However, before you jump into a project, you might consider the following home insurance...

Children In College Change Your Personal Insurance Risk

By now, your college-aged kids are in school doing who knows what.  Sending a child to college requires making many decisions, but one decision...

Common Mistakes Made When Purchasing Insurance

There are a number of common mistakes some individuals and businesses make when it comes to purchasing insurance. Insurance is the product you buy...

7 Deadly Sins of Insurance Buying

 

Personal and business insurance buyers -- Don’t make these mistakes

Everyone who buys insurance often runs into what we call the seven deadly...

7 Ways to Save on California Homeowner's Insurance

How to Save on Your California Homeowner’s Insurance

Merced Homeowner’s insurance typically covers you against fire, theft and other damage to...

A Parking Valet Damaged My Car

 

Many of us are going to be traveling this summer, and that may lead to the use of a hotel or restaurant parking valet.  When you toss your keys...

Are the New Toys You Got for Christmas Covered under Your Insurance?

Personal Insurance Update

The holidays are behind us, the tree is down, and the gifts are put away.  But wait, you may have a problem! In some...

Don’t Get Tricked by Halloween

Your homeowner's insurance covers many different kinds of risks including vandalism caused by trick-or-treaters.  Now may be a good time to have a...

Don’t Rent out Your Home Without the Right Insurance

More and more people are using services like VRBO and Airbnb to find vacation rentals.  As a result, many people are using their homes to develop...

Getting Pulled over in California Doesn't Have to Be a Problem

Getting pulled over by a police officer can be a stressful and uncomfortable experience, especially if you have never been pulled over before. The...

Going Swimming This Summer? Better Read This First

Personal Safety for Summer

Many of us will be going to the ocean, rivers, lakes, or pools this summer to relax with friends and family.  Each...

Are You a High-risk Driver?

A “high-risk” driver is generally defined by the insurance companies, as someone who has a higher risk of having an auto accident.  Auto insurance...

Homeowner’s Insurance Premiums Explained

Many people believe that they have little or no control over their homeowner’s insurance.  Often, people think that premiums are determined by...

How Smart Technology Can Reduce Your Homeowner's Insurance

There is no question; not only has technology made our lives easier, but it is also keeping us safer and helping to keep insurance premiums lower....

How to Have a Safe Vacation from Leap / Carpenter / Kemps Insurance

As the summer vacation season approaches and thoughts turn to fun in the sun, getting on an airplane or even camping. Remember your homeowner’s...

How to Prepare for El Niño

Now is the time to prepare yourself and your family for the effects of El Niño, as this year may bring increased rainfall, high winds, or...

Why Your Insurance Agent Is Your Best Friend

Are you frustrated with the lack of good customer service? Are you tired of calling a company and getting someone in a foreign county? When you go...

5 Things to Consider Before Jumping into the Sharing Economy

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment, and even our home with total strangers....

10 Tips to Keep Your Home Safe While on Vacation

The majority of home burglaries in California do not involve violence or the use of a weapon. The average dollar loss from a burglary in the...

Make Halloween Safe for Everyone

 

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our...

March Madness - Insurance Style

March is over and we spent the whole month watching 64 college basketball teams play to the final four, then to the championship game.  The entire...

Keep the Fire in the Barbecue

There is nothing better than grilling up a bunch of steaks or corn on your barbecue.  Grilling brings family and friends together, but an out of...

Are You Shopping Online This Holiday?

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s...

How to Get Auto Insurance If You're a High-risk Driver

A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an auto accident. Auto...

7 Technologies Have Helped Lower California Homeowner’s Insurance

Can you believe all the new innovations that are available for your California home? Many new technologies can help you in the kitchen, help keep...

Playing Games on Your Phone? Check Your Insurance

There are many new games that people are playing on their smartphones. Next time you are out, just look around and you will likely see someone...

Renting a Car This Summer? Will You Be Insured?

As the spring and summer approaches, many of us will be renting a car as part of our vacation or business travel. It will be important to consider...

Risk Management Downton Abbey Style

The final season of Downton Abbey started in January 2016. It has been the most successful British TV series in history, and is translated in over...

Simple Ways To Protect Your California Home from Burglars

The FBI reports that in 2014 there were over nine million home property crimes in the United States. There are many things that you can do to...

Criminals Are Looking for Deals This Holiday

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are also out looking for ways to enhance...

Summer Can Be Risky Business for Your Family

Summer is here! Now would be a great time to review your homeowner’s and personal insurance program.  There is a large spike in auto accidents...

Take Your Auto Insurance off Cruise Control

Put Your Hands on the Wheel and Steer Your Auto Insurance Premiums Lower

Did you know you can control what you pay for California auto insurance?...

Summer Driving Safety Tips

Summer has arrived and many people are hitting the road.  In the summer months driving time increases, so it is important to be a defensive...

Top Personal Insurance Tips for 2018

 

As we begin a new year, one thing on most people’s “to do list,” is buying home insurance and auto insurance.  When it comes to personal...

Kids' Safety Tips for Summer Vacation

Summer vacation is here and the kids are free for a few months. That also means pool parties, fireworks, family vacations, and accidents. Medical...

Watercraft Safety Tips from Leap | Carpenter | Kemps

Summer is here and that means it is time to get out on the water.  We hope that you and your family have a great time.  But remember, your...

The Difference Between Homeowner’s Insurance and a Home Warranty

Home warranties are offered by many companies, mostly during the selling process. Typically, there are two types of home warranties that people...

6 Things Not to Do After an Auto Accident

Auto accidents are no fun.  They cause injury, damage, and a lot of stress.  However, the good news is that if you bought auto insurance from our...

Stay Safe This July 4th… and Enjoy the Day

We are approaching our nation’s birthday, July 4th, and we hope everyone has a great day of celebration with friends and family. You work hard to...

Why You Need Insurance

Insurance can be confusing, but here are a few interesting facts to get you thinking about your insurance program. The following facts are not...

8 Back-to-School Safety Tips

Summer vacation is over and the bells are ringing to mark a new school year. We are now seeing the signs of back-to-school time, including more...

Benefits of Working with an Independent California Agent

There are many reasons why you buy Merced home insurance, auto insurance, or business insurance. But the bottom line is that you buy insurance to...

17 Holiday Shopping Tips: Protect Your Identity and Stay Safe

Black Friday is coming and that means we are in the middle of the holiday season. During the next few weeks, we will all be busy shopping, eating...

When Do I Need Rental Car Insurance?

 

There are more options for renting a car than ever before. Consumers renting from traditional car rental companies can generally choose from...

Play It Safe This Halloween

Halloween is approaching.  Kids and adults are looking forward to dressing up and going out to trick or treat in the neighborhood.  With a little...

California Boating and Water Safety Tips

We are entering the long days of the California summer, and many of us will soon be enjoying water skiing, boating, and riding personal watercraft...

8 Tips to Keep You and Your Christmas Tree Safe

According to the US Fire Administration over 400 homes are destroyed annually by causes related to Christmas tree fires. Leap / Carpenter / Kemps...

Can the Holidays Bring Added Risk?

Did you get an ugly tie or sweater last year for Christmas?  If this Christmas is a repeat of last year, the good news is that you can probably...

Does Your Homeowner’s Insurance Offer Hidden Coverage?

How many of you have actually read California homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to...

Are You Putting Your Homeowner’s Insurance at Risk?

If you own a home or rent, you need the right kind of homeowner’s insurance.  Homeowner’s insurance is needed to protect yourself, your family,...

 

Think You Don’t Need Workers’ Compensation? Think Again.

Workers’ compensation insurance is critical in protecting yourself as a business owner. In California alone, over 23,000 workers’ comp claims are...

New California Sexual Harassment Laws

2020 is here—and if your business is operating in California, that means you need to be up to speed on the new California sexual harassment laws....

Additional Insured Endorsements and How They Work

75 percent of businesses in the United States are severely underinsured. Are you one of them? One key area where you might be leaving yourself...

Why It May Be Time to Fire Your Insurance Agent

“You’re fired.” Those words are devastating to hear and, for many, are just as difficult to say. If the thought of having to fire someone gives...

New and Upcoming Labor Laws in California Every Employer Should Know

2019 has been a year of massive changes when it comes to California labor laws. We’ve seen changes ranging from an increase in the minimum wage to...

Why the Cheapest Insurance May End Up Costing You

You feel the hit every time your insurance premiums are due—or at least your bank account does. And year after year, the hit only gets bigger....

What California's Wildfires Mean for Your Insurance Premiums

For California residents, wildfires have switched from rare occurrences to an ever-present threat. In fact, 2018 saw the worst wildfires in the...

What to Expect During a Workers’ Compensation Audit

Audit—the word has a unique ability to strike fear into any business owner. But if you know what type of audit will be performed, what to expect,...

Why Your Commercial Auto Premiums Are Increasing

Have you noticed your Commercial Auto Insurance premiums increasing year in and year out? You’re not alone. By the end of 2018, commercial auto...

Active Shooter Readiness: How to Prepare for the Unimaginable

Imagine going to work as you normally do, sitting down at your desk, drinking your coffee, tackling some of the paperwork that you’ve got stacked...

How to Classify Freelancers, Employees, and Independent Contractors

The American workforce is changing. Until recently, most workers pursued a single, long-term position at a company where they would stay for...

Cover Wallet, PIE, Hippo: How Low Start-up Premiums Lead to High Costs

As a business owner, you have a million little things to do every day. From handling invoices to leading marketing initiatives, you’ve got a to-do...

Everything You Need to Know About Earthquake Insurance

The United States experiences nearly 20,000 earthquakes every year. While most are small, some produce devastating effects. Just this past week in...

How to Prepare Your Family & Home for an Earthquake

We don’t know when it will happen, but it does: the ground rattles beneath your feet, family photos fall from the walls, and you brace yourself,...

How to Prepare Your Company and Employees for an Earthquake

On July 5th 2019, a 7.1 magnitude earthquake struck Southern California, forcing many businesses to shut their doors. In its wake, journalists Tim...

Why You Should Start Using Teladoc Today

Not much feels worse than waking up on a busy Monday morning with cold symptoms: runny nose, cough, congestion, fever, and a tinge of exhaustion....

How to Ensure Your Fourth of July is a Fun, Safe and Enjoyable Holiday

Americans have been celebrating the Fourth of July since 1777. And while the spirit of the holiday remains the same, nowadays we celebrate with...

Physical Activity Can Affect Healthcare Premiums

Your hardest working employees are likely to skip sleep, lunch, and workout time to stay on top of their job. But that leads to burnout, and...

How to Protect Your Employees from the Summer Heat

Last summer, we saw temperature records shattered throughout the nation. In fact, in some areas of California, temperatures spiked to 118 degrees....

Business Insurance Jargon Every Business Needs to Know

If you're like most people, discussing insurance makes your eyes glaze over. And now we're about to mix insurance with the dictionary? We get it,...

Why Attorneys Should Never Practice Without Malpractice Insurance

When you start practicing on your own, or join a small firm, there will be countless concerns you have as you get started. You have to worry about...

Experience Mods: Learn the Rating Formula that Will Help You Save Big On Your Workers’ Comp Premium

If your business operates in the state of California and has employees, then you know you’re required to carry workers’ compensation insurance....

Your Next Password Choice Could Cost Your Business Thousands

As yet another account creation screen prompts you for a username and password, in hopes to save time to get to your real work, you default to...

Employee Benefits Plans Aren't One Size Fits All

Employee benefits plans can’t be based on a one size fits all model. Today’s workforce is very diverse, and because of that diversity, management...

The Hidden Costs of Driving Under the Influence (DUI)

Maybe the “one drink” you agreed to have with friends or colleagues turned into three or four as time passed. Or, perhaps you found yourself...

What Causes Your Insurance Premiums To Go Up?

One question we often get is, “Why are my premiums going up?” We understand increasing premiums can be frustrating, especially if you've had no...

Avoid These Insurance Mistakes In 2019

Every homeowner in California needs competitively priced Personal Insurance. Personal Insurance can be tricky—especially if you take your advice...

2019 Personal Insurance Resolutions

The New Year is just around the corner and getting “insurance fit” is an excellent resolution for 2019. It’s just as important as getting...

How To Avoid Common Holiday Home Insurance Claims

The holiday season is in full swing. Parties galore, shopping ’til you drop, and far too much good food and drink. But in addition to the...

How California’s New Sexual Harassment Law Affects Your Business

January will bring new opportunities to your company, such as the start of a new fiscal year and possibly a new business plan. Because we work in...

Include a Personal Insurance Review in Your Fall Cleaning

Having a qualified insurance agent like the professionals at Leap/Carpenter/Kemps Insurance Agency perform an annual review of your personal...

Great Home Insurance Ideas

Homeowners generally understand the need for Homeowners Insurance, which provides you with financial protection against damage to your home from...

Tips For Handling A Business Insurance Claim

As a responsible business owner, you've done all your due diligence to protect your investment and find the insurance policies that are the most...

Personal Insurance Hot Topics

Here is the latest information and updates on some of the hot topics relating to your personal insurance needs and interests. It is important to...

What Kind Of Business Insurance Coverage Do You Need?

Every business is going to be different, just like the people who are behind that business, doing their best to expand, innovate, and grow. Some...

How To Get The Best Deal On All Your Personal Insurance

A California Insurance Update 

Insurance ads are everywhere, we constantly hear: save on your home insurance now; it only takes 15 minutes to...

Must Have Insurance Policies For Contractors

The construction industry is always busy, but it’s also a business that has a lot of unique risks and challenges. Unlike many other ventures,...

What Are The Advantages Of Using An Independent Agent?

There are many ways to purchase your personal and business insurance.  One way is to go online and try to figure out what kind of insurance you...

Things You Didn't Know Your Business Insurance Might Cover

We’re all familiar with the basic concept behind insurance. Insurance is "contingency money" to provide financing in case the unexpected happens —...

We Answer The Most Common Insurance Questions

A California Personal Insurance Update

With all the insurance advertising these days, it may be hard to fully understand how personal insurance...

The Coverage Every Employer Needs But Few Purchase

Every employer works very hard to provide the best environment for employee success. But no matter how hard we try, we are at risk every single...

The Value of a Personal Insurance Review

Personal insurance can be complex, with many different kinds of insurance coverage and exclusions. Not all personal insurance policies are created...

Stop Settling For Cheap Insurance — Hire the Insurance Team You Need

Do you often find yourself bargain-hunting to find the “best” deal? If so, then chances are that you’ve also searched for the most cost-effective...

Why Am I Stuck with the Same Old Workers Compensation Policy? (Part 2)

In the previous article, we discussed alternatives to the standard, guaranteed cost program when your company is large enough and has really good...

Why Am I Stuck with the Same Old Workers Compensation Policy?

Business owners go about their day doing what they do best — running their business. But once a year they receive a visit from their insurance...

Summer Travel Safety and Insurance Tips

Summer is filled with many activities that bring your family together. However, nothing can turn a summer outing into a disaster faster than an...

3 Easy Tips to Help Prevent a Cyber Breach

Cyber breaches are on the rise and increasingly appear in the news. Personal information is gathered and stored on computer systems more and more...

Reducing the Costs of Disability Coverage

It goes without saying that it’s crucial to have a steady income to support yourself and your family. But what happens when an accident or...

Homeowner's Insurance Can Offer Many Benefits

We offer competitively priced homeowner's insurance to people throughout all of California. Homeowner's insurance is designed to protect your home...

Even Small Businesses Have the Budget for Employee Health Care

Workplace perks like healthcare coverage aren't just another benefit that employers should offer. Instead, think of it as a tool that will provide...

Personal Insurance for High Net-Worth Individuals

For many people, standard insurance products like home, auto, life, and personal umbrella policies are adequate to protect their families and...

Little Known Personal Insurance Products You Might Need

There are so many choices when it comes to competitive personal insurance in California. These choices can include deciding what kind of personal...

How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true. The more information we have as your...

We Believe Insurance Is a Promise

There are so many different ways to buy personal insurance.  You can purchase personal insurance online, from a captive agent, or from an...

Personal Insurance Products You Need in the Summer

Summer means there are more daylight hours for activity for you and your family. With the kids home from school and vacations planned, it is...

What Is Covered Under a Homeowner’s Liability Policy 

Most people never actually read their homeowner’s insurance policy. We agree insurance policies are difficult to read and understand unless you...

What Kind of Personal Insurance Do You Really Need?

Personal insurance comes in many different shapes and forms, so it may be hard for the average person to determine exactly what kind of protection...

Are You Finally Ready for an Umbrella Policy?

A Personal Insurance Update If you are like most people, your family is growing and changing, your career is heading upward, your 401k is doing...

How Exposed Is Your Home?

Not only is your home one of your most valuable assets but it also holds sentimental value.  There are many unpredictable events that can cause...

Is It Possible to Lose My Auto Insurance?

Most insurance companies have guidelines regarding limiting or cancelling your auto insurance coverage.  It is our job to help you make sure you...

Consider Safety Features When Shopping for Auto Insurance

An Auto Insurance Update 

What Is Important to Consider When Buying Homeowners Insurance

Buying home insurance should be an important part of your financial planning. It is important to consider many different things in order to obtain...

Why Wellness Works

Does your business have a wellness program? Have you ever had a wellness program? Mistakenly, some business owners are not fully convinced that a...

Burglars Are Looking for Post-Holiday Bargains

Holidays are over and the decorations are down, but burglars are just getting in the mood for bargain hunting.  In California, there are over...

Why Life Insurance is a Good Bet

Life insurance rates are as low as they have been in years.  The process of getting a life insurance quote has never been easier, and most people...

2014 Medicare Prescription Drug Open Enrollment

Today starts the open enrollment period for these plans. The time to enroll or make changes to your plans runs from Oct. 15 through Dec. 7th and...

California Life Insurance Is Not Just For Families

There is no doubt that Life Insurance provides benefits and security to California families. However, many single people may not have thought of...

Disability Insurance Offers Help When You Need It Most

If you and your loved ones depend on your salary for financial support, then you probably need disability income insurance. Think about it, if you...

How the Election May Impact Your Health Insurance

The Affordable Care Act of 2010 has been a topic of conversation since it was placed into law. It seems every during every election there is an...

How to Get the Best Rates on California Life Insurance

If you are shopping for life insurance there are a number of things you can do to help us get you the best rate. Life insurance companies look at...

Questions About Health Care Reform

As we move closer to the full implementation of the Patients Protection and Affordable Care Act (Health Care Reform) there are many questions that...

Most People in California Don't Have Enough Life Insurance

According to the latest information, most people in Merced California do not have enough life insurance. Only 6 out of 10 people have even...

What's Trending in California Healthcare?

We are well into 2015; there are some California health insurance items which business owners need to be aware of. Healthcare reform will continue...

Reasons to Consider California Disability Insurance

If you and your loved ones depend on your salary for support, then you probably need disability insurance. Think about it, if you were to become...

How to Educate Employees About Healthcare Insurance

There is no question that healthcare costs are one of the largest expenses an employer has. Employers are looking for ways to keep the escalating ...

 

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