From heavy lifting to bunched-up rugs, there are a lot of ways your employees can end up injured ...

A group captive insurance company is formed by its members for the benefit of its members. Becau...

Many benefits of becoming a member of a group captive insurance program can be summed up in two m...

Roughly 2.66 million people are employed by the insurance industry in the United States. However,...

You may have heard the term “group captive,” but do you know how a group captive insurance progra...

A group captive is an insurance company formed by the members for the benefit of the members. The...

If you own a business in California, chances are high that you need to have a workers’ compensati...

Construction spending is rising across the United States, and no market is hotter than California...

Your insurance agent makes certain your business has all the coverage it needs, keeps you updated...

Your instinct might be to say yes. But, as it so happens, many standard insurance policies don’t ...

Being a landlord or managing a rental property can be a tough and stressful endeavor. Making the ...

When it comes to security, many business owners are still a bit old school. They have their secur...

Manufacturing businesses take on a lot of risks related to their operations, making the right ins...

Since the discovery of the new coronavirus (COVID-19) was first reported back in December 2019, t...

When your fleet is on the road, they’re doing more than just getting your products and services f...

Workers’ compensation insurance is critical in protecting yourself as a business owner. In Califo...

2020 is here—and if your business is operating in California, that means you need to be up to spe...

75 percent of businesses in the United States are severely underinsured. Are you one of them? One...

“You’re fired.” Those words are devastating to hear and, for many, are just as difficult to say. ...

2019 has been a year of massive changes when it comes to California labor laws. We’ve seen change...

You feel the hit every time your insurance premiums are due—or at least your bank account does. A...

For California residents, wildfires have switched from rare occurrences to an ever-present threat...

Audit—the word has a unique ability to strike fear into any business owner. But if you know what ...

Have you noticed your Commercial Auto Insurance premiums increasing year in and year out? You’re ...

Imagine going to work as you normally do, sitting down at your desk, drinking your coffee, tackli...

The American workforce is changing. Until recently, most workers pursued a single, long-term posi...

As a business owner, you have a million little things to do every day. From handling invoices to ...

The United States experiences nearly 20,000 earthquakes every year. While most are small, some pr...

On July 5th 2019, a 7.1 magnitude earthquake struck Southern California, forcing many businesses ...

Last summer, we saw temperature records shattered throughout the nation. In fact, in some areas o...

If you're like most people, discussing insurance makes your eyes glaze over. And now we're about ...

When you start practicing on your own, or join a small firm, there will be countless concerns you...

If your business operates in the state of California and has employees, then you know you’re requ...

As yet another account creation screen prompts you for a username and password, in hopes to save ...

Maybe the “one drink” you agreed to have with friends or colleagues turned into three or four as ...

January will bring new opportunities to your company, such as the start of a new fiscal year and ...

Every business is going to be different, just like the people who are behind that business, doing...

The construction industry is always busy, but it’s also a business that has a lot of unique risks...

There are many ways to purchase your personal and business insurance. One way is to go online and...

We’re all familiar with the basic concept behind insurance. Insurance is "contingency money" to p...

A California Personal Insurance Update

With all the insurance advertising these days, it may be h...

Every employer works very hard to provide the best environment for employee success. But no matte...

Personal insurance can be complex, with many different kinds of insurance coverage and exclusions...

Do you often find yourself bargain-hunting to find the “best” deal? If so, then chances are that ...

In the previous article, we discussed alternatives to the standard, guaranteed cost program when ...

Business owners go about their day doing what they do best — running their business. But once a y...

Summer is filled with many activities that bring your family together. However, nothing can turn ...

Cyber breaches are on the rise and increasingly appear in the news. Personal information is gathe...

Errors and omissions insurance is a type of specialized insurance that can protect you and your b...

It goes without saying that it’s crucial to have a steady income to support yourself and your fam...

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

For many people, standard insurance products like home, auto, life, and personal umbrella policie...

There are so many choices when it comes to competitive personal insurance in California. These ch...

Business insurance comes in many shapes and sizes, and although it’s necessary for companies to h...

Risk management is all about evaluating financial risk in order to protect your business and mini...

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is v...

Employment practice liability, or EPL, is a set of United States laws that protect employees from...

There are so many different ways to buy personal insurance. You can purchase personal insurance o...

Summer means there are more daylight hours for activity for you and your family. With the kids ho...

Choosing business insurance is like choosing a babysitter.

When you pay somebody else to step in ...

Most people never actually read their homeowner’s insurance policy. We agree insurance policies a...

Business insurance is just as important as providing amazing services and products to your custom...

Personal insurance comes in many different shapes and forms, so it may be hard for the average pe...

Your business may offer benefits to your employees, but how much do those employees understand ab...

A Personal Insurance Update 

If you are like most people, your family is growing and changing, yo...

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

Most insurance companies have guidelines regarding limiting or cancelling your auto insurance cov...

An Auto Insurance Update 

California Commercial Umbrella InsuranceIf you own a business, you likely own some form of genera...

Buying home insurance should be an important part of your financial planning. It is important to ...

Can you really buy insurance on your own? Can you give yourself a physical? Can you clean your te...

Every business needs workers’ compensation insurance. Workers’ compensation insurance is designed...

Your business relies on employees to provide products and services to your clients. Without a str...

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

We don’t have to tell you that we are in a very competitive business environment. If your busines...

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 premi...

Your business provides goods and services as well as jobs to the community. Running your business...

Is your business prepared for 2018? If not, you had better get ready because 2018 may be filled w...

As we move into 2018, it is important to take stock of your personal insurance program. Many diff...

Holidays are over and the decorations are down, but burglars are just getting in the mood for bar...

Life insurance rates are as low as they have been in years. The process of getting a life insuran...

Professional Liability Insurance for Architects and Engineers

Most of us would never say we love our insurance. In fact, most clients don’t even read their bus...

California Personal Insurance Planning

Now is the best time to review your personal insurance nee...

Buying renters insurance in California is very easy and inexpensive. Often, just a call to our of...

As a California business owner, you go to great lengths to provide a safe working environment for...

If your company has employees, you are required to buy workers’ compensation insurance. Some stat...

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

Every California business must follow federal, state and local laws. Failure to follow these laws...

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

The world is changing, and we understand the many issues that businesses face every day. There is...

There are a number of common mistakes some individuals and businesses make when it comes to purch...

Our agency provides contractors insurance and risk services to the construction industry. Insuran...

Cyber liability is fast becoming a common term for small to medium sized businesses in Californi...

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

Everyone who buys insurance o...

Lawsuits against Directors and Officers are increasing at an alarming rate. There is no doubt tha...

How to Save on Your California Homeowner’s Insurance

Merced Homeowner’s insurance typically cover...

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

Today, more than ever, businesses are evaluating the need for full time vs. part time employees. ...

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

Many of us are going to be traveling this summer, and that may lead to the use of a hotel or rest...

Personal Insurance Update

The holidays are behind us, the tree is down, and the gifts are put awa...

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

In an interesting development, the portion of the Affordable Care Act (ACA) that requires employe...

Many think that operating a small business has little or no risk. The fact is, operating a small ...

Almost every business large or small needs some level of added protection afforded by a commercia...

Contracts are signed in business every day. Contracts can include property lease agreements, equi...

Getting pulled over by a police officer can be a stressful and uncomfortable experience, especial...

Personal Safety for Summer

Many of us will be going to the ocean, rivers, lakes, or pools this su...

There is nothing more important than having the right commercial insurance for your business. Let...

As summer approaches, workers all over the state of California will experience the risk of heat s...

A “high-risk” driver is generally defined by the insurance companies, as someone who has a higher...

Many people believe that they have little or no control over their homeowner’s insurance. Often, ...

The purchase of business insurance is an essential investment for business owners. Insurance poli...

Commercial insurance is about developing relationships between the insurance company and the cust...

As the summer vacation season approaches and thoughts turn to fun in the sun, getting on an airpl...

Most businesses purchase general liability insurance to protect the business against certain kind...

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

Now is the time to prepare yourself and your family for the effects of El Niño, as this year may ...

California Ranks High In Probability Of Litigation

On average, a business in the U.S. has about a...

Are you frustrated with the lack of good customer service? Are you tired of calling a company and...

Some of the nation’s top risk managers often share their secrets with the world through published...

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

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

One of the most important things to consider when considering your personal or business insurance

If you own a restaurant in California, it will be important to have the proper restaurant insuran...

We live in a digital world that now allows us to share everything from our car, bike, boat, apart...

Many businesses are preparing to have their annual company picnic. These are great events to gath...

Summer time is the time to enjoy the great California outdoors with family and friends. Many Cali...

As a business owner, providing workers with a safe and healthy workplace is critical to the well-...

Is your business prepared to undertake new overtime rules that will be set into place on December...

The majority of home burglaries in California do not involve violence or the use of a weapon. The...

In the next few days, we will be watching children scramble from house to house in search of the ...

Startup businesses in California are exposed to a wide variety of issues including business insur...

March is over and we spent the whole month watching 64 college basketball teams play to the final...

There is nothing better than grilling up a bunch of steaks or corn on your barbecue. Grilling bri...

The holiday shopping season is upon us, and many of us are searching our favorite web pages for t...

A “high-risk” driver is generally defined by the auto insurance companies as someone who has a hi...

Can you believe all the new innovations that are available for your California home? Many new tec...

There are many new games that people are playing on their smartphones. Next time you are out, jus...

As the spring and summer approaches, many of us will be renting a car as part of our vacation or ...

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

Risk is something every business is exposed to every day. California businesses have risk of fire...

The FBI reports that in 2014 there were over nine million home property crimes in the United Stat...

We live in world that is changing by the moment. These changes create risk trends that will impac...

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

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

Summer is here! Now would be a great time to review your homeowner’s and personal insurance progr...

Summer has arrived and many people are hitting the road. In the summer months driving time increa...

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

There are many insurance myths floating around, and most of them have been around for years. We w...

Your business insurance is an important part of your risk management program. It is important to ...

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

Many businesses have the exposure of their goods and products being transported by a common carri...

Whether you are a large corporation or a small business, the employer/employee relationship has c...

Summer vacation is here and the kids are free for a few months. That also means pool parties, fir...

Summer is here and that means it is time to get out on the water. We hope that you and your famil...

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

What Is My Total Cost of Risk? This article is a continuation of our series on creating a new way...

Home warranties are offered by many companies, mostly during the selling process. Typically, ther...

Auto accidents are no fun. They cause injury, damage, and a lot of stress. However, the good news...

We are approaching our nation’s birthday, July 4^th, and we hope everyone has a great day of celeb...

Commercial InsuranceThe world is changing, and we understand the issues your business faces every...

Insurance can be confusing, but here are a few interesting facts to get you thinking about your i...

There is no question that there is a direct relationship between workplace injuries and employe...

Summer vacation is over and the bells are ringing to mark a new school year. We are now seeing th...

What You Need To Know About Discrimination Claims And How Employment Practice Liability Insurance...

There are many reasons why you buy Merced home insurance, auto insurance, or business insurance. ...

Most every company owns business property, which may include the building in which you run your o...

Black Friday is coming and that means we are in the middle of the holiday season. During the next...

Finding the right contractor to perform quality work on time can be a challenge for many Californ...

Construction projects depend on the special talent and skills of artisan, or specialty, contracto...

There are more options for renting a car than ever before. Consumers renting from traditional car...

There are many business insurance myths floating around, and most of them have been around for ye...

We are entering the long days of the California summer, and many of us will soon be enjoying wate...

According to the US Fire Administration over 400 homes are destroyed annually by causes related t...

Did you get an ugly tie or sweater last year for Christmas? If this Christmas is a repeat of last...

Organizations lose an average of 5% of their annual revenues to employee fraud. The Association o...

Product recall insurance covers expenses associated with recalling a product from the market. Pro...

Employment risks are some of the most serious faced by California employers. These risks can incl...

How many of you have actually read California homeowner’s insurance policy We guess not too many....

Driving drunk is dangerous to you and others on the road. A DUI will cost you much, including the...

Did you know that the insurance industry can tell you what the most common claims are for each mo...

There is no doubt workers’ compensation is a big expense for employers. There are over 4.1 milli...

If you own a home or rent, you need the right kind of homeowner’s insurance. Homeowner’s insuranc...

Landlords and property managers have many unique risks that only a trained and experienced agent ...