From Our Blog

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...

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

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

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,...

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...

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

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...

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...

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...

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...

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...

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,...

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

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...

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...

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

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...

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

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...

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...

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

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

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

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

In most cases, employees still...

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

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...

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

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?  Then you need to continue to read this article. Your business exposes you to considerable...

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 new...

California Businesses Have a High Probability of Being Sued

Here Is Why You Should Be

Developing a Cost of Risk Model

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

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

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

A Personal Insurance Update

Professional Liability Insurance for Architects and Engineers

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...

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

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

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

Understanding the difference between an employee and contractor Today, more than ever, businesses are evaluating the need for full time vs. part...

 A Business Insurance Update

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

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

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

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

Business Insurance And Risk Management Tips

As we close the year out, many businesses will be hosting company parties.  Business owners,...

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

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...

Restaurants, Bars, Taverns and Catering Services

Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting...

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...

A California Business Insurance Update

A Business Insurance Update – How to Develop a Safer Workplace

California Business Insurance Update

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...

Hire a Qualified Independent Agent

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

Workers’ Compensation Must Respond to the New Economy

Every business has faced issues related to the new economy. The new economy involves how...

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...

Our Business Insurance Answers

California business insurance can cover property while in transit

Many businesses have the exposure of their goods and products being transported...

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

 A Business Insurance Update

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

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

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

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

 

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

Artisan Contractors Need the Right Kind of Insurance

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums. ...

A Business Insurance Update

Employment risks are some of the most serious faced by California employers. These risks can include sexual harassment and discrimination....

There is no doubt workers’ compensation is a big expense for employers. There are over 4.1 million workplace injuries in the Unites States each...

A quick guide to landlord and property manager’s insurance

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...

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

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

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,...

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...

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

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...

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...

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...

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...

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...

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,...

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

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...

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...

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

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...

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

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...

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...

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

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

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

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

In most cases, employees still...

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

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...

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

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?  Then you need to continue to read this article. Your business exposes you to considerable...

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 new...

California Businesses Have a High Probability of Being Sued

Here Is Why You Should Be

Developing a Cost of Risk Model

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

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

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

A Personal Insurance Update

Professional Liability Insurance for Architects and Engineers

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...

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

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

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

Understanding the difference between an employee and contractor Today, more than ever, businesses are evaluating the need for full time vs. part...

 A Business Insurance Update

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

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

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

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

Business Insurance And Risk Management Tips

As we close the year out, many businesses will be hosting company parties.  Business owners,...

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

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...

Restaurants, Bars, Taverns and Catering Services

Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting...

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...

A California Business Insurance Update

A Business Insurance Update – How to Develop a Safer Workplace

California Business Insurance Update

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...

Hire a Qualified Independent Agent

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

Workers’ Compensation Must Respond to the New Economy

Every business has faced issues related to the new economy. The new economy involves how...

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...

Our Business Insurance Answers

California business insurance can cover property while in transit

Many businesses have the exposure of their goods and products being transported...

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

 A Business Insurance Update

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

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

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

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

 

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

Artisan Contractors Need the Right Kind of Insurance

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums. ...

A Business Insurance Update

Employment risks are some of the most serious faced by California employers. These risks can include sexual harassment and discrimination....

There is no doubt workers’ compensation is a big expense for employers. There are over 4.1 million workplace injuries in the Unites States each...

A quick guide to landlord and property manager’s insurance

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...

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

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

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

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....

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...

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...

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...

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

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,...

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

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...

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

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...

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...

A California Personal Insurance Update

Having a qualified insurance agent like the professionals at Leap/Carpenter/Kemps Insurance Agency perform...

Tips for Reducing Your Home Insurance Premiums

Homeowners generally understand the need for Homeowners Insurance, which provides you with...

A California Personal Insurance Update

Here is the latest information and updates on some of the hot topics relating to 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...

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...

A California Personal Insurance Update

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

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

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

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...

A Personal Insurance Update

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

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

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

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...

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

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...

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

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...

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...

A Personal Insurance Update

Not only is your home one of your most valuable assets but it also holds centimental value.  There are many...

An Auto Insurance Update 

An Auto Insurance Update 

A California Home Insurance Update

A Personal Insurance Update

A Life Insurance Update

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...

A Personal Insurance Update

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

A Personal Insurance Update

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

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

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

How to Save on Your California Homeowner’s Insurance

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

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...

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...

A Homeowner's Insurance Update

Your homeowner's insurance covers many different kinds of risks including vandalism caused by trick-or-treaters. ...

Vacation Home and Income Property Insurance

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

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

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...

Homeowner's Insurance Update

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

Swings in Weather Will Create Safety and Home Insurance Issues in California

Now is the time to prepare yourself and your family for the effects...

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...

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....

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...

An Insurance Update

March is over and we spent the while month watching 64 college basketball teams play to the final four, then to the...

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...

Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the...

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...

Pokémon Go Creates Personal Liability

There are many new games that people are playing on their smart phones. Next time you are out, just look...

Leap / Carpenter / Kemps Has the Answers

Downton Abbey Has Real-Life Insurance Implications

The final season of Downton Abbey started in January 2016. It has been the most successful...

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...

The Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are...

Auto Insurance Update

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

Personal Insurance Update From Leap / Carpenter / Kemps

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

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...

An Auto Insurance Update

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

A Personal Insurance Update

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

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

Personal Insurance Update

INTRODUCTION:

Your “how to” blog post should teach the reader how to do something by breaking it down into a series of steps.

Begin your blog...