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By David Cribb | Dec 1, 2021

Has Your Business Considered Key Person Insurance or A Buy-Sell Agreem...

Key Person Insurance and Buy-Sell Life Agreement policies cover your organization from the loss of a key employee due to death, incapacity or other trauma.

By Donna Nichols | Nov 24, 2021

Does Your Non-Working Spouse Need Life Insurance?

Many people thought that the stay-at-home spouse did not require life insurance. But that has changed.

By Shawn Dwyer | Nov 17, 2021

How Risk Management Consulting Integrates with Your Insurance

It's challenging to manage a successful insurance and risk program without an integrated management approach. Let us show you how it is accomplished.

By Becky Holiday | Nov 10, 2021

Five Reasons You Need a Personal Umbrella Policy

If you have any amount of assets, have teen drivers, have a retirement plan, or investments, you should consider purchasing a personal umbrella policy.

By Shawn Dwyer | Nov 3, 2021

What is OSHA Consulting Services and How Does it Help My Business?

OSHA consulting involves a team of professionals working with you to make sure your business complies with OSHA regulations.

By Becky Holiday | Oct 27, 2021

Proven Ways to Reduce Your Personal Insurance

Cheap insurance can lead to poor service, uninsured claims, and an increase in your actual out-of-pocket costs.

By Michael J. Carpenter | Oct 20, 2021

New Cyber Risks to Be Concerned About

Commercial businesses are facing new cyber threats in an ever-changing cyber world. Threats come from foreign countries or local hackers.

By Kim Solis | Oct 13, 2021

How The Hybrid Workplace May Change Employee Benefits

More people are working remotely, and this has caused employee benefits programs to be re-evaluated in a major way.

By Mike A. Dwyer | Oct 6, 2021

The Value of Fleet Safety Programs

A fleet safety program is important, as it can help reduce your operating costs and return more to your bottom line.

By Donna Nichols | Sep 29, 2021

What an Effective Group Benefits Program Looks Like

Employee benefits come in various shapes and sizes, and they are an important component of the overall compensation package provided to employees.

By Pedro Ponce | Sep 22, 2021

How Professional Liability Insurance Can Save Your Business

As a business owner, you know that you require a certain level of insurance. There are some insurance policies that can save your business.

By Matthew Banchero | Sep 15, 2021

Does Personal Insurance Cover Everything That Can Go Wrong?

Insurance is not a commodity. It's not the same as purchasing a chair, car, clothing, or food. You're buying a promise when you buy insurance.

By Carmen Sanchez | Sep 8, 2021

What Is a Commercial Insurance Review and Why Is It Important?

Business owners should make annual insurance reviews a habit to ensure they have enough coverage and aren't spending more than they need to.

By Donna Nichols | Aug 25, 2021

Five Advantages of Term Life Insurance

Term life insurance is usually recommended for young families because its low cost provides the most coverage for the least amount of money.

By Melissa Matzenbacher-Galan | Aug 18, 2021

How to Select an Insurance Agent That Is Right for You

It's in your best interest to work with an agent that represents a variety of insurance companies and is ready to spend time getting to know you.

By Kim Solis | Aug 11, 2021

Effective Strategies for Health Insurance for Small Business

Health insurance is not required for small enterprises with less than 50 employees. But to be competitive, you should offer some level of health benefits.

By John Lightfoot | Aug 4, 2021

Everything You Need to Know About Group Captive Insurance

Here is a round-up of our recent Group Captive insurance series. Lower your insurance prices while having more control over the insurance purchasing proces...

By David Cribb | Jul 28, 2021

What Kind of Life Insurance Do High Net Worth Individuals Need?

Here's how life insurance can be integrated into a larger asset management strategy for high-net-worth individuals with non-liquid assets.

By Becky Holiday | Jul 21, 2021

Insurance Coverage You Need but May Not Have

Insurance can be challenging to comprehend. Most people do not completely understand what they are purchasing or whether they are adequately insured.

By Kim Solis | Jul 14, 2021

Benefits Strategies for Small Businesses

As small business owners and managers attempt to plan for the future, developing employment strategies can be important to your growth and profit.

By John Lightfoot | Jul 7, 2021

How Dividends Are Paid to Member Companies of a Group Insurance Progra...

One benefit of a captive insurance program is that profits are returned to its members in the form of dividends once all financial obligations are met.

By Kim Solis | Jun 29, 2021

Life Insurance Can Offer a Solution to Buy-Sell Funding

If your business doesn't have a buy-sell agreement, you may find yourself sharing the reins with a former partner’s spouse, children, or another party.

By Donna Nichols | Jun 24, 2021

A Well Managed Employee Benefits Program Will Attract Top Candidates

92% of employees regard employment benefits critical to job satisfaction. A good benefits plan can help you attract the best candidates.

By Melissa Matzenbacher-Galan | Jun 22, 2021

Keys to Understanding Your Personal Insurance

Most people know that insurance is necessary, but they don't always understand what they are purchasing or if they are adequately insured.

By John Lightfoot | Jun 15, 2021

How Group Captive Insurance Programs Are Managed

A Captive Insurance Program is owned by its members, but the day-to-day operations are managed by a third-party group captive manager.

By Shawn Dwyer | May 4, 2021

Does Your State Require Your Business to Carry Workers' Compensation I...

Laws regulating workers’ compensation insurance vary from state to state — but if you own a business, you likely need a policy.

By John Lightfoot | Apr 30, 2021

How to Select and Join the Group Captive that is Right for You

Learn how to select and join the Group Captive insurance program that is right for your company.

By Kim Solis | Apr 22, 2021

Why California Businesses Need to Properly Document Breaks and Lunch H...

California is a state known for its regulations on businesses. However, many employers are unfamiliar with those pertaining to lunch hours and breaks.

By John Lightfoot | Mar 30, 2021

Is Group Captive Insurance Right for Your Business?

There’s a few things you should know about what types of businesses are ideal for group captive insurance. Strong candidates have these characteristics.

By Becky Holiday | Mar 22, 2021

Why You Shouldn't Buy Life Insurance on Impulse

Impulse buys can provide some short-term comfort or joy, but you shouldn't buy life insurance on an impulse.

By John Lightfoot | Feb 25, 2021

The Top 4 Benefits of Group Captive Insurance

While the many benefits of a group captive insurance program can be summed up by cost and control, here's a more detailed look at the key benefits.

By Matthew Banchero | Feb 18, 2021

Direct Writer or Insurance Broker — Who Should You Work With?

Both direct writers and independent insurance brokers can connect you with the insurance you need. Which is best depends on several factors.

By John Lightfoot | Jan 27, 2021

How Group Captive Insurance Programs Work

Here’s what you need to know to understand how a group captive insurance company operates and help evaluate if joining one is right for your business.

By Melissa Matzenbacher-Galan | Jan 12, 2021

How to Protect Your Investments

There is no one-size-fits-all plan for protecting your investments. The key is to take steps tailored to what you’ve placed your money in.

By Kim Solis | Dec 29, 2020

How California Small Businesses Can Manage COVID-19

Not sure what to do next regarding COVID-19? Fortunately, there are resources available to help you stay afloat and protect your employees.

By John Lightfoot | Dec 14, 2020

What is Group Captive Insurance?

A group captive is an insurance company formed by its members to benefit its members by influencing business insurance costs. Find out if it's right for yo...

By Pedro Ponce | Dec 3, 2020

Top Seven Workers' Compensation Claim Questions Answered

As a California business owner, you need to be prepared for filing workers’ comp claims. Here is what you need to know.

By Shawn Dwyer | Nov 13, 2020

7 Ways to Improve Your Construction Company’s Safety

As a California construction company, safety is key. But how can you make your job sites as safe as possible? By focusing on a few key elements.

By Matthew Banchero | Jul 22, 2020

Is Your Insurance Agent Earning Your Business?

Protecting your company requires the right coverage. If your insurance agent isn’t earning your business, your policies might fall short of what you need.

By Pedro Ponce | Jun 17, 2020

What is Difference in Conditions (DIC) Coverage? And Why it Matters.

In California, difference in conditions coverage can be critical for businesses. Here is what you need to know about these policies.

By Melissa Matzenbacher-Galan | May 26, 2020

A Guide to Landlord and Property Manager Insurance

If you're a landlord or property manager, then it's vital you're aware of all the risks you face as well as how to protect yourself against them.

By Pedro Ponce | May 11, 2020

Self-Audit: How to Tell if Your Business Needs Cyber Insurance

Cybersecurity should be a significant concern for any company that collects data. Here’s how to tell if your business needs this type of insurance.

By Mike A. Dwyer | Apr 27, 2020

Is a Group Captive Insurance Program Right for My Manufacturing Busine...

If your business is in the manufacturing sector, a group captive insurance program might offer the perfect combination of protection and savings.

By David Cribb | Mar 9, 2020

The Coronavirus Is Here. Learn How to Prepare & Protect Your Business

An in-depth look at coronavirus (COVID-19) and share insights to help businesses manage and mitigate the risk associated with this new virus.

By Carmen Sanchez | Mar 1, 2020

Motivate Your Fleet to Make Safe Choices with a Safety Incentive Progr...

The safety record of drivers is a huge factor in insurance premiums. A safety incentive program can be the motivation they need to make the right choices.

By Carmen Sanchez | Feb 9, 2020

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

California has strict workers’ compensation laws, including when you need to have coverage. Find out your obligations now.

By Michael J. Carpenter | Feb 3, 2020

New California Sexual Harassment Laws

New California sexual harassment laws are in effect. Protect yourself by understanding these laws and implementing necessary changes in your business.

By Mike A. Dwyer | Jan 21, 2020

Additional Insured Endorsements and How They Work

Additional insured endorsements can provide your business with key coverage when working with vendors and contractors.

By Matthew Banchero | Jan 6, 2020

Why It May Be Time to Fire Your Insurance Agent

Your insurance agent is your first line of defense in protecting you and your business. Be aware of the signs that you are being underserved.

By Shawn Dwyer | Nov 18, 2019

New and Upcoming Labor Laws in California Every Employer Should Know

2019 saw many new labor laws in California, and there are more set to take effect in 2020. Here’s what you should know.

By Matthew Banchero | Oct 21, 2019

Why the Cheapest Insurance May End Up Costing You

In most cases, saving money is a good thing. However, opting for cheap insurance is likely to cost you in the long run. Find out why.

By Pedro Ponce | Oct 15, 2019

What California's Wildfires Mean for Your Insurance Premiums

Recent fires in California have cost individuals, businesses, and insurance companies thousands. So how will this impact your insurance premiums?

By Mike A. Dwyer | Oct 9, 2019

What to Expect During a Workers’ Compensation Audit

Finding out you are about to be audited for your workers’ comp policy is stressful, but if you know what to expect, it doesn’t have to be.

By Matthew Banchero | Aug 20, 2019

Why Your Commercial Auto Premiums Are Increasing

Commercial Auto Insurance Premiums are expected to rise up to 12% this year alone. Wondering why premiums are skyrocketing? We’ve got answers.

By Carmen Sanchez | Aug 13, 2019

Active Shooter Readiness: How to Prepare for the Unimaginable

We don’t want to imagine it happening, but, active shooting situations have become all too common. Learn how to protect your business and employees.

By Pedro Ponce | Aug 8, 2019

How to Classify Freelancers, Employees, and Independent Contractors

Knowing whether a worker is legally an employee in California can be confusing, but misclassification has severe consequences. Here is what you need to kno...

By Mike A. Dwyer | Jul 11, 2019

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

In an era where we want everything fast, automatic online insurance quotes may seem like the perfect solution. But they can do more harm than good.

By Mike A. Dwyer | Jul 8, 2019

Everything You Need to Know About Earthquake Insurance

Earthquakes can have a devastating impact on your home and business. Learn how earthquake insurance can help protect you the next time an earthquake strike...

By Melissa Matzenbacher-Galan | Jul 7, 2019

How to Prepare Your Family & Home for an Earthquake

Earthquakes strike without warning. Knowing how to prepare--and what to do--when (not if) an earthquake strikes is essential for your family's safety.

By Carmen Sanchez | Jul 7, 2019

How to Prepare Your Company and Employees for an Earthquake

Earthquakes can have devastating effects on companies and their employees. You can reduce the impact of an earthquake by following these simple steps.

By Donna Nichols | Jul 2, 2019

Why You Should Start Using Teladoc Today

Teladoc is a modern tool that allows you to get 24/7/365 access to healthcare professionals, and here we answer your most common questions about using it.

By Melissa Matzenbacher-Galan | Jun 30, 2019

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

With all the celebrating, it can be easy to let the holiday get away from us. Check out these tips to keep things safe & enjoyable for you and your family.

By Kim Solis | Jun 21, 2019

Physical Activity Can Affect Healthcare Premiums

Employers want to keep the escalating healthcare premiums down, and employees are looking for healthcare options. Physical activity has health benefits.

By Adam J. Wiggins | Jun 10, 2019

How to Protect Your Employees from the Summer Heat

Learn the dangers of heat-related illnesses and how to a create Heat Stress Prevention Program to keep your employees from the extreme heat this summer.

By Pedro Ponce | Jun 3, 2019

Business Insurance Jargon Every Business Needs to Know

Are you feeling a bit lost when it comes to business insurance jargon? Learn the important terms you need to know!

By Shawn Dwyer | May 31, 2019

Why Attorneys Should Never Practice Without Malpractice Insurance

Don’t get caught making the mistake of trying to cut expenses by eliminating malpractice insurance.

By Mike A. Dwyer | May 21, 2019

Experience Mods: Learn the Rating Formula that Helps You Save Big On Y...

Looking to save on Workers’ Compensation Costs? Learn how by improving your company’s Experience Modification.

By Shawn Dwyer | May 2, 2019

Your Next Password Choice Could Cost Your Business Thousands

Your password habits, and those of your employees, can either stop your information from being stolen or lend a helping hand to the strangers who want it.

By Leap | Carpenter | Kemps Insurance Agency | Apr 8, 2019

Employee Benefits Plans Aren't One Size Fits All

Find out how your business can offer employee benefits that your workers need and want that is reflective of today's diverse workforce.

By Leap | Carpenter | Kemps Insurance Agency | Jan 24, 2019

The Hidden Costs of Driving Under the Influence (DUI)

While drinking and driving is dangerous and illegal, one in three people will be involved in a drunk driving accident in their lifetimes.

By Leap | Carpenter | Kemps Insurance Agency | Jan 22, 2019

What Causes Your Insurance Premiums To Go Up?

A number of factors contribute to your insurance premium prices. Here we'll discuss those factors & share a few tips that might help you lower your costs.

By Leap | Carpenter | Kemps Insurance Agency | Jan 8, 2019

Avoid These Insurance Mistakes In 2019

Falling victim to the most common insurance mistakes? If you are, then you may have the wrong coverage or be paying too much for your personal insurance.

By Leap | Carpenter | Kemps Insurance Agency | Dec 31, 2018

2019 Personal Insurance Resolutions

It's the perfect time to add “insurance fit” to your New Year's resolution. Find out how you can become “insurance fit” with this helpful checklist.

By Leap | Carpenter | Kemps Insurance Agency | Dec 13, 2018

How To Avoid Common Holiday Home Insurance Claims

Even though insurance offers protection, do you really want to deal with damage, injury or loss on top of everything else happening around the holidays?

By Leap | Carpenter | Kemps Insurance Agency | Dec 4, 2018

How California’s New Sexual Harassment Law Affects Your Business

Senate Bill No.1343 will affect your Californian business starting on January 1, 2019. Find out what you need to know here.

By Leap | Carpenter | Kemps Insurance Agency | Nov 26, 2018

Include a Personal Insurance Review in Your Fall Cleaning

Have you reviewed your personal insurance policies this year? An annual review helps ensure that you are adequately covered and paying a competitive price.

By Leap | Carpenter | Kemps Insurance Agency | Nov 13, 2018

Great Home Insurance Ideas

Are your house and personal belongings protected if a disaster strikes? Learn how a homeowner's insurance policy can keep you and your home safe.

By Leap | Carpenter | Kemps Insurance Agency | Nov 12, 2018

Tips For Handling A Business Insurance Claim

What if there's an accident, a theft, or a natural disaster, and it resulted in property damage to your business. Do you know how to go about making a clai...

By Leap | Carpenter | Kemps Insurance Agency | Oct 22, 2018

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.

By Leap | Carpenter | Kemps Insurance Agency | Oct 15, 2018

What Kind Of Business Insurance Coverage Do You Need?

While your business might require particular coverage, here are some insurance policies that every company should consider no matter what the industry!

By Leap | Carpenter | Kemps Insurance Agency | Oct 8, 2018

How To Get The Best Deal On All Your Personal Insurance

Are you looking for the best deal on your personal insurance? Find out how you can get the coverage you need at an unbeatable price right now.

By Leap | Carpenter | Kemps Insurance Agency | Oct 1, 2018

Must Have Insurance Policies For Contractors

Contractors are subjected to risky situations – it's the nature of the industry, which means conventional insurance policies is not enough.

By Leap | Carpenter | Kemps Insurance Agency | Sep 21, 2018

What Are The Advantages Of Using An Independent Agent?

Wondering if it's better to use online insurance, a captive agent, or an independent agent? Find out what their advantages and disadvantages are.

By Brooke Porter | Sep 15, 2018

Things You Didn't Know Your Business Insurance Might Cover

The right insurance policy can be far more comprehensive than you might think, especially for business purposes.

By Leap | Carpenter | Kemps Insurance Agency | Sep 7, 2018

We Answer The Most Common Insurance Questions

Do you understand how personal insurance works and how to get the best combination of coverage, price, and service? We answer your most common questions.

By Shawn Dwyer | Sep 1, 2018

The Coverage Every Employer Needs But Few Purchase

As an employer, you are always at risk — find out how Employment Practices Liability Insurance can help keep you protected from conflicts with your employe...

By Leap | Carpenter | Kemps Insurance Agency | Aug 22, 2018

The Value of a Personal Insurance Review

Finding the right personal insurance is about searching for the best possible combination of coverage, price, and service.

By Leap | Carpenter | Kemps Insurance Agency | Aug 21, 2018

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

While you might be tempted into getting the cheapest insurance policy, there are important questions you need to consider before investing in a policy.

By Leap | Carpenter | Kemps Insurance Agency | Aug 16, 2018

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

Is your company safety-oriented, has active management, but still manages to have a fair share of claims that drive your experience modification and Worker...

By Leap | Carpenter | Kemps Insurance Agency | Aug 15, 2018

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

Does your company consistently outperform the standard market? Do you get charged a guaranteed rate year after year, but you keep paying that guaranteed co...

By Leap | Carpenter | Kemps Insurance Agency | Aug 6, 2018

Summer Travel Safety and Insurance Tips

Summer means that you are exposed to many different risks. We have the coverage to help you reduce your summer risks.

By Leap | Carpenter | Kemps Insurance Agency | Jul 31, 2018

3 Easy Tips to Help Prevent a Cyber Breach

Do you know how to protect your data from being hacked? Learn simple advice to help you avoid a crippling and expensive cyber breach.

By Leap | Carpenter | Kemps Insurance Agency | Jul 27, 2018

Everything You Should Know About Errors and Omissions Coverage

Does your business needs errors and omissions insurance in case a customer sues for damages? Here's how it could protect you from a disgruntled client laws...

By Leap | Carpenter | Kemps Insurance Agency | Jul 9, 2018

Reducing the Costs of Disability Coverage

Learn new strategies and tactics that organizations use to lower their costs for disability insurance. Start using this important information now.

By Leap | Carpenter | Kemps Insurance Agency | Jul 3, 2018

Homeowner's Insurance Can Offer Many Benefits

Homeowners insurance offers many benefits to families including protection from risks faced by homeowners. We offer competitive rates on your insurance.

By Leap | Carpenter | Kemps Insurance Agency | Jun 28, 2018

Even Small Businesses Have the Budget for Employee Health Care

Truth is even the smallest businesses and budgets can still find affordable employee health care, and we’ll show you exactly how you can do it.

By Leap | Carpenter | Kemps Insurance Agency | Jun 25, 2018

Personal Insurance for High Net-Worth Individuals

Personal insurance for high net worth individuals is needed to protect the added assets and address the unique needs of these individuals.

By Leap | Carpenter | Kemps Insurance Agency | Jun 22, 2018

Little Known Personal Insurance Products You Might Need

Personal insurance can be complicated, so it pays to have an agent help you understand the many kinds of products you may need.

By Leap | Carpenter | Kemps Insurance Agency | Jun 20, 2018

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

Although business insurance is necessary for your company, it’s possible you're paying too much for your coverage.

By Leap | Carpenter | Kemps Insurance Agency | May 31, 2018

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.

By Leap | Carpenter | Kemps Insurance Agency | May 30, 2018

How To Prepare For A Personal Insurance Quote

If you want to get the best combination of coverage, price and service for your personal insurance you need to use an independent agent.

By Leap | Carpenter | Kemps Insurance Agency | May 16, 2018

Does Your Business Need Employment Practice Liability Insurance?

Employment practice liability insurance is becoming important to protect yourself from potential litigation. Here's how to determine if you need EPL.

By Leap | Carpenter | Kemps Insurance Agency | May 2, 2018

We Believe Insurance Is a Promise

LCK Insurance Agency makes the promise to deliver the personal insurance you need to protect your home, family, and life.

By Leap | Carpenter | Kemps Insurance Agency | Apr 27, 2018

Personal Insurance Products You Need in the Summer

Summer means there is more daylight hours for activity for you and your family. With the kids home, it is important to understand your new risks.

By Leap | Carpenter | Kemps Insurance Agency | Apr 16, 2018

A Look Inside How Agents Help Businesses Get The Right Insurance

A business insurance agent is like a good lawyer. You don’t realize you need a really good one until it’s too late. Here are the key ways a good agent will...

By Leap | Carpenter | Kemps Insurance Agency | Apr 11, 2018

What Is Covered Under a Homeowner’s Liability Policy

Personal liability insurance is designed to protect you from accidents or unintended events. You just never know when that might happen.

By Leap | Carpenter | Kemps Insurance Agency | Apr 5, 2018

7 Common Mistakes Businesses Make When Buying Insurance

Buying business insurance can be challenging. Here are the most common mistakes to help you choose the correct insurance so your business is protected.

By Leap | Carpenter | Kemps Insurance Agency | Apr 2, 2018

What Kind of Personal Insurance Do You Really Need?

Personal insurance is important because it can protect you from many different kinds of injury and liability.

By Leap | Carpenter | Kemps Insurance Agency | Mar 22, 2018

Why You Should Bring Your Agent in to Talk to Employees

Health insurance is a great benefit for employees. But without an agent to explain the benefits, it can be difficult for your team to take full advantage.

By Leap | Carpenter | Kemps Insurance Agency | Mar 14, 2018

Are You Finally Ready for an Umbrella Policy?

A personal umbrella policy is very competitively priced and can provide needed protection for your family.

By Leap | Carpenter | Kemps Insurance Agency | Mar 14, 2018

How Exposed Is Your Home?

Protect your valuable asset with a well-written homeowner’s insurance policy. Take a look at some of the most common kinds of homeowner's insurance claims.

By Leap | Carpenter | Kemps Insurance Agency | Mar 14, 2018

Is It Possible to Lose My Auto Insurance?

Your auto insurance can be cancelled for many reasons including DUI, late of payment of premiums, or using your car for business purposes.

By Leap | Carpenter | Kemps Insurance Agency | Mar 14, 2018

Consider Safety Features When Shopping for Auto Insurance

Having a vehicle with the latest safety features can reduce your auto premiums and keep you safe while driving.

By Leap | Carpenter | Kemps Insurance Agency | Mar 14, 2018

5 Important Facts About Commercial Umbrella Insurance

These are the five critical facts that you need to know when deciding on a commercial umbrella insurance

By Leap | Carpenter | Kemps Insurance Agency | Feb 11, 2018

What Is Important to Consider When Buying Homeowners Insurance

Buying home insurance is an important part of adulting. Read on to make sure you get the best possible combination of coverage, price, and service.

By Leap | Carpenter | Kemps Insurance Agency | Feb 9, 2018

Why Wellness Works

Employee wellness programs can offer many advantages including promoting health and an excellent tool in keeping top talent at your business.

By Leap | Carpenter | Kemps Insurance Agency | Feb 7, 2018

Are You Looking for a New Agent?

An independent agent offers the best insurance solutions and also provide many options for consideration

By Leap | Carpenter | Kemps Insurance Agency | Feb 4, 2018

Independent Agents Can Help Reduce Workers’ Compensation Costs

Independent agents like Leap|Carpenter|Kemps offer innovative insurance solutions to help your business reduce its workers’ compensation costs.

By Leap | Carpenter | Kemps Insurance Agency | Feb 3, 2018

Why is Workers’ Compensation so Important?

Workers compensation provides employers with a no-fault insurance, allowing injured employees access to medical insurance for on-the-job injuries.

By Leap | Carpenter | Kemps Insurance Agency | Feb 2, 2018

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

Selecting an insurance broker can be one of the most important things your business can do. Here are some quick tips to make sure you choose correctly!

By Leap | Carpenter | Kemps Insurance Agency | Feb 1, 2018

What Is so Innovative About Business Insurance?

Commercial insurance offers many innovative coverages like cyber liability and business interruption which can help protect your business from loss.

By Leap | Carpenter | Kemps Insurance Agency | Jan 30, 2018

Real Solutions for the Liability of Your California Business

Employment liability claims can be some of the most expensive losses your business may have. Many businesses never fully recover from an employment claim.

By Leap | Carpenter | Kemps Insurance Agency | Jan 27, 2018

Are You Concerned About Your Business’s Cyber Risk?

Every business is at risk of having a cyber breach. Cyber liability insurance offers necessary protection for your business to manage the risk of having a ...

By Leap | Carpenter | Kemps Insurance Agency | Jan 24, 2018

How to Effectively Evaluate Your Risk Management Program

The most effective method to evaluate your risk management program is to develop a cost of risk model comparing costs from year to year.

By Leap | Carpenter | Kemps Insurance Agency | Jan 23, 2018

Can Knowing Your Cost of Risk Help Your Business?

It is never a good idea to define your risk program solely on insurance costs. There are many other factors that can contribute to your total cost of risk....

By Leap | Carpenter | Kemps Insurance Agency | Jan 22, 2018

How to Develop a Better Understanding of Business Liability Insurance

A well designed business insurance program from Leap/Carpenter/Kemps insurance will help your business recover from unforeseen losses and claims.

By Leap | Carpenter | Kemps Insurance Agency | Jan 21, 2018

The Top Business Insurance and Risk Management Trends for 2018

Your business is subject to many unique risks like sexual harassment and cyber hacks, and if not managed correctly, could cost you thousands of dollars.

By Leap | Carpenter | Kemps Insurance Agency | Jan 20, 2018

Start Your 2018 Personal Insurance Planning Today

Many different life events can affect your personal insurance. Having the right kind of insurance can make a big difference when you ever have a claim.

By Leap | Carpenter | Kemps Insurance Agency | Jan 19, 2018

Burglars Are Looking for Post-Holiday Bargains

Having a homeowner’s insurance policy is a good step in preventing financial losses. There are also other things a homeowner can do to prevent burglaries.

By Leap | Carpenter | Kemps Insurance Agency | Jan 18, 2018

Burglars Are Looking for Post-Holiday Bargains

The right homeowner’s insurance be a good step in preventing financial losses. There are also many other things a homeowner can do to prevent burglaries.

By Leap | Carpenter | Kemps Insurance Agency | Jan 13, 2018

Why Life Insurance is a Good Bet

There are many effective ways to get the best rates on life insurance. Have an independent help you find the right coverage for your needs.

By Leap | Carpenter | Kemps Insurance Agency | Jan 11, 2018

The Importance of Professional Liability for Architects and Engineers

Architects and engineers should consider professional liability insurance to protect themselves against potential litigation.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Your Policy Is Only As Good As Your Agent

Your insurance agent is the most important part of your personal insurance program for three reasons.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

You Should Really Love Your Business Liability Insurance

Know your business liability coverage. Do you need to protect against advertising liability, bodily injury, pollution, or products and completed operations...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

2014 Medicare Prescription Drug Open Enrollment

The time to enroll or make changes to your Medicare plans runs from Oct. 15 through Dec. 7th and changes become effective on Jan. 1 2014.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

California Life Insurance Is Not Just For Families

Californian families and singles alike need Life Insurance for the benefits and security it provides, including funeral expenses and debt coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

California Personal Insurance Action Plan

Personal insurance planning should be treated like investment planning. A proper review of your insurance can lead to better pricing & improved coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

California Renters: Don’t Forget About Insurance

Buying renters insurance in California is very easy and inexpensive. Don't go without out and risk the loss of your valuables. Give us a call!

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

California Workers’ Compensation Best Practices

Work accidents happen and workers’ compensation insurance can help. It should be an important part of your risk management program. Use these best practice...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Who Needs California Workers’ Compensation?

Understand the difference between an independent contractor and an employee to know whether you need workers' compensation. Here are some questions to ask.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Can “Do It Yourself” Projects Jeopardize Your insurance?

Before you take on a do-it-yourself project, don't jeopardize your homeowner’s policies. Update it to the value “like kind and quality.”

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

California Laws That Impact Your Business

Many California laws impact your business including OSHA, workers' comp, and employee personal records.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Children In College Change Your Personal Insurance Risk

When you send a child to college, your risk has changed and you may need to adjust your personal insurance program. It's time to review what you need.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Combine Business Insurance Policies and Save Money

Plan annual reviews of your business insurance. We offer ways to save and improve your insurance program, including combining all your coverage into one pa...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Common Mistakes Made When Purchasing Insurance

Insurance is the product you buy in case the unexpected happens. Make sure you don't make these mistakes while buying business insurance or personal insura...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Contractors Insurance

Insurance can play an important role in “on time and on budget” projects. We provide contractors insurance and risk services to the construction industry.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Cyber Liability in California a Major Concern for All Businesses

California businesses with less than 50 employees have a better chance of having a cyber-loss than a fire. Do you have cyber liability insurance?

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

7 Deadly Sins of Insurance Buying

If your deductibles are too low, or you have more than one insurance agent, you could be facing one of the seven deadly sins of insurance buying.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Director & Officers Insurance - Should Your Business Consider It?

As a business manager and board member, if you're sued and you must defend yourself. Directors & Officers Insurance is an risk mitigation solution.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Disability Insurance Offers Help When You Need It Most

If you and your family depend on your salary for financial support, you need short and long term disability income insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

7 Ways to Save on California Homeowner's Insurance

Everyone likes to save money on their homeowner’s insurance in California. Here are 7 tips to save on homeowner's premiums without sacrificing coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Will Workers’ Compensation Change with the Times?

Workers’ compensation protects employers from large medical bills and time-loss claims an sis an important part of your business insurance program.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

A Key To Your Workers’ Compensation Success

Workers’ compensation success lies in understanding the differences between an employee and contractor. Consider the tax and legal issues of each.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Insure Your Business and Prepare a Business Continuity Plan

Commercial liability, auto insurance, and management liability insurance can cover damages. A business continuity plan can get you up and running after a l...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

A Parking Valet Damaged My Car

If a parking valet damages your car, who's responsible? How will your auto insurance respond? Use these tips to file an auto insurance claim.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

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

If your Christmas toys included ATVs, motorcycles, boats, RVs, drones, cars, art, or jewelry, you may need to update your homeowner's insurance policy.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Don’t Get Tricked by Halloween

Halloween safety tips for kids and motorists from Leap / Carpenter / Kemps Insurance. Is your homeowner's insurance policy all you need?

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Don’t Rent out Your Home Without the Right Insurance

Don’t rent out your home without the right Insurance. A homeowner’s policy may not cover losses incurred. Call us for a specialized policy that will.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Employer Healthcare Mandate Delayed

The portion of the Affordable Care Act (ACA) that requires employers over 50 employees to provide health insurance has been delayed.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Even Small Businesses Have Big Risks

Small businesses face big risks. Insurance policies that cover commercial general liability, cyber liability, professional liability, and more can help.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

5 Critical Facts About Commercial Umbrella Insurance

Almost every business needs the added protection afforded by a commercial umbrella insurance policy. Here are five important facts about umbrella policies.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

4 Things to Review Prior to Signing any Contract

An important part of your business insurance and risk management program includes four things you should review before signing any contract. What are they?

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

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

Getting pulled over can be a stressful and uncomfortable experience, but here are a few things you can do to help the process go smoothly.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Going Swimming This Summer? Better Read This First

If you go swimming this summer follow these water safety tips from Leap /Carpenter / Kemps Insurance. Over 1,200 children under the age of 14 drown each ye...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Has Your California Business Overlooked These Insurance Needs?

Has your California business overlooked insurance coverage for business income extra expense, environmental liability, cyber liability, and more? We can he...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Heat-Stress Prevention From Leap | Carpenter | Kemps Insurance

Tips to prevent heat stress from Leap / Carpenter / Kemps Insurance include avoiding alcohol, drinking water frequently and more. Workers comp insurance he...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Are You a High-risk Driver?

Learn how insurers define high-risk drivers. Our independent agents understand each family has unique auto insurance needs and can help if you're high risk...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Homeowner’s Insurance Premiums Explained

Discover the factors that help determine your homeowner’s insurance premiums and get tips how to reduce those premiums from Leap / Carpenter / Kemps.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

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

Leap / Carpenter / Kemps can help you build a stron business insurance program by helping review your risks and guiding you to the right coverage and price...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How Smart Technology Can Reduce Your Homeowner's Insurance

Wireless options for home security and control and smart plugs and outlets are smart technology that can help lower your homeowner's insurance cost.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How the Election May Impact Your Health Insurance

The 2016 presidential election may impact your health insurance. UnitedHealth will review their California market to determine future participation.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Build a Strong Relationship with Your Insurance Company

Get the attention you deserve when you build a good relationship with your commercial insurance company. Be open and honest and know where your losses are.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Get the Best Rates on California Life Insurance

Find out what Life Insurance companies consider when you're shopping for a new policy, and learn what you can do to get the best rate.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

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

Homeowner’s insurance covers your personal property while on vacation. If you to travel to a foreign country, call LCK for an insurance review.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Does Your Business Need Professional Liability Insurance?

Professional liability insurance can protect your business from lawsuits. Leap / Carpenter / Kemps has access to policies that other agencies just can’t wr...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Keep Your Company Holiday Party Safe for All

Keep everyone safe at your company holiday party with theses safety tips, and talk with your insurance agent to review your insurance coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Prepare for El Niño

Prepare for El Niño by making sure your California homeowner's insurance covers as many weather-related risks as possible.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Protect Your Business from Being Sued by Employees

Develop strong anti-discrimination and employment policies to protect your business from being sued by employees. EPLI policies can help reduce your risk.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Why Your Insurance Agent Is Your Best Friend

Choosing the right insurance agent makes a big difference – in price, service, and value. Discover why we at LCK Insurance Agency is your best friend.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Workers’ Compensation Tips from Top Risk Managers

Workers’ compensation insurance protects employers from claims from injuries to employees. Get workers’ comp tips from top risk managers at Disney and FedE...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Serve up California Restaurant Insurance

insurance is vital for risk management in California restaurants, bars, taverns, and catering services. Leap / Carpenter / Kemps offers nine types.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Stay Safe During an Active Shooting Situation

8 tips can help you stay safe during an active shooting situation. But first follow these rules: evacuate, hide out, call out, and fight.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Insurance Truths You Can Count On

Learn the insurance truths you can count on about auto, business, earthquake, and flood insurance policies. Insurance needs change. Is yours adequate?

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

How to Insure Your California Restaurant

Property insurance, liquor liability, and cyber liability insurance are just some of the types of policies you need to insure your California restaurant.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

5 Things to Consider Before Jumping into the Sharing Economy

The sharing economy lets us share our cars, bikes, boats, and homes with total strangers, but this increases your liability. Are you covered?

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Is Your Company Picnic Covered by Your Insurance?

Company social events, like picnics, can bring inherent risks. Have an independent agent review your insurance policy to make sure you're covered.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Have Fun at the Pool… But Be Safe

Have fun at the pool, but be safe. Set pool rules, think about a fence and check your homeowner's insurance policy to make sure you have adequate coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Is Your Workplace Safe?

Providing workers with a safe workplace is critical to the well-being of your employees and business success. Take these steps to keep your workplace safe.

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

Is Your Business Ready for the New DOL Overtime Rules?

The Department of Labor increased the overtime exemption threshold under the Fair Labor Standards Act. Is your business ready for the new DOL overtime rule...

By Leap | Carpenter | Kemps Insurance Agency | Nov 5, 2017

10 Tips to Keep Your Home Safe While on Vacation

Maintain a detailed household inventory of assets, review your insurance coverage and follow these 10 tips to keep your home safe while on vacation.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Make Halloween Safe for Everyone

Make Halloween safe for everyone by pre-planning to prevent unfortunate accidents that could turn out to be tragic. And, check, your homeowner’s insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Are You Starting a New Business in California?

Starting a new business in California means you'll face issues including business insurance, risks, and concerns. Select the right commercial insurance for...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

March Madness - Insurance Style

Check out our Insurance Madness Final Four Top Tips we learned after watching 64 basketball teams play to the championship.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Keep the Fire in the Barbecue

Keep the fire in the barbecue with theses general grilling safety tips from independent agents at Leap / Carpenter / Kemps Insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Miscellaneous Professional Liability Insurance, or E&O

A miscellaneous professional liability suit can put executive’s personal assets at risk. Protect yourself with errors & omissions insurance policy.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Are You Shopping Online This Holiday?

Stay safe if you are shopping online this holiday. Leap / Carpenter / Kemps Insurance Agency offers tips on how to protect yourself from cyber security ris...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

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

Learn what makes insurance companies label you a high-risk driver, and how to get auto insurance if you are a high risk. Leap / Carpenter / Kemps can help.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

7 Technologies Have Helped Lower California Homeowner’s Insurance

7 technologies have helped to lower the cost of California homeowner’s insurance, including weather-warning systems, electronic locks & smart appliances.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Questions About Health Care Reform

The Patient Protection and Affordable Care Act has raised questions about who is required to have coverage and the penalties for not complying. Learn more.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Playing Games on Your Phone? Check Your Insurance

If you play games like Pokémon Go on your phone, you may need to review your personal insurance to make sure you are protected. Here's the insurance you ne...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Renting a Car This Summer? Will You Be Insured?

If you're renting a car this summer, do you need extra auto insurance? Leap/Carpenter/Kemps can review your policies to ensure you have the coverage you ne...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Risk Management Downton Abbey Style

Consider the many personal & business insurance issues Downton Abbey's Grantham family managed as they operated their property & many businesses.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Risk Management Mistakes Can Cost Your Business

Do you know these risk management mistakes you can make that can cost your business? There are a number of actions you can take to reduce business risk.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Simple Ways To Protect Your California Home from Burglars

Protect your California home from burglars with 11 simple burglary prevention tips from Leap / Carpenter / Kemps Insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Start Your 2018 Business Insurance Planning Today

Start your 2018 insurance planning today. The changing world creates risks you need to mitigate – LCK can help navigate the minefield.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Criminals Are Looking for Deals This Holiday

In the middle of holiday season criminals are looking for deals just as you are. Review your personal insurance to make sure you're covered against theft.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Stop Bidding Out Your Business Insurance

Stop bidding out your business insurance. Discover how an independent insurance agent can find the right coverage for you at the right price.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Summer Can Be Risky Business for Your Family

Summer can be an opportunity to relax, but it also has some unique risks – let's review your homeowner’s and personal policies & see if you are at risk.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Take Your Auto Insurance off Cruise Control

Take control of your auto insurance by using licensed independent professional insurance agents to help you get the best price and coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Summer Driving Safety Tips

In the summer driving time increases, so it's important to be a defensive driver. Follow these summer driving safety tips from Leap / Carpenter / Kemps.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

The New Economy Creates New Business Risks

The new economy creates new business risks. Does your insurance cover you for social media mishaps, pet-friendly environments, and work-from-home environme...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Most People in California Don't Have Enough Life Insurance

Most people in California don't have enough life insurance. Here are four reasons why you might want to increase your life insurance policy.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

The Top Commercial Insurance Myths

Many insurance myths float around, and we want to respond to them with clear information, so you can make educated decisions about your insurance purchases...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

The Top Google Searches on Business Insurance

We've researched the top five Google searches about business insurance that range from how much insurance is enough to the types of business insurance avai...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Top Personal Insurance Tips for 2018

Know the 11 things you should do to ensure your personal insurance is what it needs to be in 2018, from umbrella policies to maintaining a home inventory.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Top Risks of Transporting Goods

Discover the top business risks of transporting goods and how commercial insurance protects you. We can review risks and help secure the right coverage.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Two New Areas of Employment Litigation

Improper employee evaluation and improper hiring are two new areas of employment litigation. Employment Practices Liability Insurance can help protect you.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Kids' Safety Tips for Summer Vacation

Keep your kids safe during summer vacation with these safety tips about sun, heat, water and bug bites from Leap / Carpenter / Kemps Insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Watercraft Safety Tips from Leap | Carpenter | Kemps

Learn watercraft safety tips from Leap / Carpenter / Kemps Insurance, which offers a full range of watercraft insurance products for you.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

We Can Help You Survive a Business Interruption

Leap / Carpenter / Kemps can help you survive a business interruption with business interruption insurance that could include business income insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

What is My Total Cost of Risk?

The total cost of risk to a business is more than insurance premiums. Think about financial, operational, and strategic risk to ensure your coverage is rig...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

The Difference Between Homeowner’s Insurance and a Home Warranty

Discover the difference between a homeowner's insurance policy and a home warranty. LCK Insurance Agency can help you figure out what you need.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

What's Trending in California Healthcare?

What's trending in California's healthcare? We're well into 2015 and there are some health insurance items which business owners need to be aware of.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

6 Things Not to Do After an Auto Accident

Learn the 6 things not to do after an auto accident -- and make sure your auto insurance policy gives you the coverage you need.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Stay Safe This July 4th… and Enjoy the Day

Stay safe this July 4th and enjoy the day with safety tips from Leap / Carpenter / Kemps Insurance. Protect your assets - your home, auto life and more..

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

7 Commercial Insurance Policies to Protect Your Business

Business change, and so does risk exposure. Learn about 7 types of commercial insurance to protect your business. Leap / Carpenter / Kemps Insurance can he...

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Why You Need Insurance

Arson, storms, thefts, casualties are just a few reasons why you need personal insurance coverage to protect against losses. Let us review your policy.

By Leap | Carpenter | Kemps Insurance Agency | Nov 4, 2017

Why Should Safety Be Part of Your Workplace?

Safety should be an integral part of your workplace because more work will get done and it will lead to company profitability. Follow these 10 basic safety...

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Reasons to Consider California Disability Insurance

Over 35? There's a 50% chance of becoming disabled for months. Individual Disability Income Protection is a must for business owners and executives.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

8 Back-to-School Safety Tips

8 back-to-school safety tips can help protect your children. And, being aware when you're driving in a school zone can keep you and them safe.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

EPLI Comes into Play When Employees Sue Employers

Employers do get sued by employees. That's why you need to protect yourself with Employment Practice Liability Insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Benefits of Working with an Independent California Agent

Discover 7 benefits of working with an independent California insurance agent - including how to get the best possible coverage, price, and service.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Best Practices for Property Losses

Best practices for property losses include taking steps before a loss occurs, including maintaining a comprehensive property insurance portfolio.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

17 Holiday Shopping Tips: Protect Your Identity and Stay Safe

uring the next few weeks, we will all be busy shopping, eating out, and traveling -rime rates tend to have a slight up-swing as spending is increased.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

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

6 things business owners and property managers need to before hiring a contractor. Remember, business insurance doesn't cover contractor negligence.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

California Artisan Contractors Insurance

Contactractor's general liability insurance and workers' compensation insurance make sense for artisan or specialty contractors in California.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

When Do I Need Rental Car Insurance?

Before you rent a car and take out their insurance, read your auto insurance policy carefully or call your auto insurance agent to ask for details.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Busting the Top 6 California Business Insurance Myths

We bust the top 6 California business insurance myths and offer tips to reduce your insurance premiums.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Play It Safe This Halloween

Have a great time and play it safe this Halloween by following these 10 tips to keep the trick-or-treaters and your home safe.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

California Boating and Water Safety Tips

Learn 9 tips to stay safe while boating and in the water in California. Consider boat or marine insurance to protect yourself.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

8 Tips to Keep You and Your Christmas Tree Safe

8 tips to keep you and your Christmas tree safe, from your friends at Leap / Carpenter / Kemps Insurance.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Can the Holidays Bring Added Risk?

Holidays can bring added risk. Review your personal insurance before an ugly mishap finds you. Talk to your insurance provider to make sure you're covered.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Control Workers' Comp Costs by Reducing Your Mod

Control workers' comp costs by reducing your mod. Your "experience mod" is your workers' comp Identity. Takes these steps to reduce it to save money.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Does Your Business Need Crime Coverage?

Does your business need crime coverage? The FBI says employee theft one of the fastest growing crimes in America. Make sure you're insured.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Does Your Business Need Product Recall Insurance?

Does your business need product recall insurance? Likely yes, if you're a distributor or manufacturer because it covers expenses associated with a recall.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

5 Reasons Your California Business Needs EPLI Insurance

Discover the 5 reasons your California business needs employment liability insurance. ELPI covers the company and the board, as well as free legal help.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Does Your Homeowner’s Insurance Offer Hidden Coverage?

Does your homeowner’s insurance offer hidden coverage? Your insurance might cover liability coverage while you're away from home and more.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

Hidden Costs of a DUI

Do you know the 11 hidden costs of drunk driving or DUI? They include the possible loss of auto insurance, license suspension, or higher insurance rates.

By Leap | Carpenter | Kemps Insurance Agency | Nov 3, 2017

The Most Common Insurance Claims in the Fall

Discover the seven most common insurance claims in the fall. Among them are rear-end collisions and theft from automobiles.

By Leap | Carpenter | Kemps Insurance Agency | Oct 20, 2017

How LCK Insurance Agency Helps Manage Workers’ Compensation Costs

A workplace injury can be costly to your business. Here are a few key tips on how to create a safe work environment and avoid workers compensation costs.

By Leap | Carpenter | Kemps Insurance Agency | Oct 11, 2016

Are You Putting Your Homeowner’s Insurance at Risk?

You work hard to build a future for yourself and your family, but there are 5 ways you could put your home at risk. Do you know what they are?

By Leap | Carpenter | Kemps Insurance Agency | Apr 7, 2016

How to Educate Employees About Healthcare Insurance

Comprehensive healthcare insurance can be a great way to retain & attract employees, but educating your team about healthcare insurance is also important.

By Leap | Carpenter | Kemps Insurance Agency | Mar 22, 2016

Landlords and Property Managers, Are You Insured Correctly?

Landlords and property managers can benefit from 7 types of commercial insurance for rental properties, condo associations, and commercial properties.

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Need more Specific Advice?

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