What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use tools safely, if you want to do good work and keep all of your fingers and […]
July 21, 2020
If you operate a business, you know your building or property is the center of your operations. Commercial Flood Insurance protects one of your biggest investments–your business from damage caused by rising water. Floods often strike without warning‐destroying buildings, equipment, and inventory. Your business is your dream and your legacy, and you protect it […]
July 21, 2020
We all watched many cities and businesses damaged or destroyed by recent riots. Many businesses were lost and it caused us to think about how commercial property insurance applies to riots. We hope this never happens to any community, but it is always good to be informed and prepared in the event of any […]
July 12, 2020
Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially dangerous, it’s also expensive. On average, most water backup claims cost $5,000-$10,000 to repair. Water backup coverage is optional coverage […]
July 8, 2020
Cyber Liability – An Every Day Occurrence? Cyber liability exposures seem to be reported more and more every day. The latest cyber attack was reported on September 23rd in the Insurance Journal regarding the Home Depot Inc.’s data breach. That very day in our office we had received a “junk email” claiming to be American […]
June 26, 2020
It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference — and whether you’re handy or not, you can handle most of them yourself. Don’t believe it? Just check out our list of […]
June 8, 2020
It is that time of year to review goals, review your California business plans and look forward to a prosperous 2014. Part of your planning should include an annual California business insurance review. Your business changes, and so do your exposures. After you review some of these items, call our office and we will be happy […]
June 3, 2020
Now Is A Good Time For A Workers’ Compensation Review There is a lot going on right now and your business may be suffering. Now is a good time to have a review of your business insurance and workers compensation programs. Besides your costs did not go up that much this year, right? Paying your […]
May 8, 2020
“What really makes a teacher is love … for it is love that transforms the social duty of the educator into the higher consciousness of a mission.” Almost everyone has a story about a teacher who inspired them—the one who made learning fun, ignited a passion for a specific topic, or even pushed students hard […]
May 4, 2020
If you have employees, you are exposed to potential employment liability claims. Employees know their rights and it is time for all employers to be more informed about how to protect their company. Here are a few reasons to consider employment liability coverage. Here is why you need to make Employment Liability part of your […]
April 8, 2020