What is an SR-22? An SR-22, sometimes referred to as a Financial Responsibility Form, demonstrates proof of liability insurance. In other words, it is evidence a driver has an active insurance policy, thus the ability to pay a future claim up to a state’s minimum required limit. Why is an SR-22 needed? In most cases […]
October 1, 2014
What is Medical Professional Liability/Medical Malpractice Insurance? Professional liability is negligence by a health care provider resulting from a failure to use due care or where the standard of care falls below what is expected from a person in a particular profession. A medical professional liability insurance policy covers bodily injury or property damage as […]
September 18, 2014
Have you been labeled a “High Risk Auto” customer? What does “High Risk Auto” mean? The Armstrong Company Insurance Consultants are continuously looking for ways to better serve our customers. Listening to our customers we noticed the need to address the “high risk auto” customer. If you are labeled in this category you could […]
September 10, 2014
Earthquake Insurance, Do You Really Need It? Earthquakes are one of those catastrophes that we hope to never experience; however, once you are in the midst of recovering from such an occurrence the cost can be enormous. The earthquake that struck Napa, California just days ago will lead to economic losses of as much as […]
September 2, 2014
If you are a business that manufactures, serves, sells or distributes alcohol you need Liquor Liability Insurance. Liquor Liability Insurance is recommended to protect your company from potential financial losses arising from litigation involving alcohol-related damages. Alcohol creates real and significant exposures for restaurants, bars, taverns, and hotels. These operations develop a large percent of […]
August 5, 2014
There is no question that operating a business comes with certain risks. But there are also many benefits. The range of business threats is evolving rapidly but your organization can thrive and gain a competitive advantage if you know how to manage your risk. Here are a few simple ways to manage risk: Follow insurance […]
July 23, 2014
California Property managers have a need for proper insurance coverage. Property Managers often get caught in disputes between owners and tenants. Property managers can not only be sued by their own employees, but also by the staff of the property owner. Also, property managers who have an equity interest in property have increased risks that […]
July 18, 2014
According to IT Business Edge, 50% of businesses listed cyber security as one of their top five business risks. “With the revelations of the National Security Agency (NSA) surveillance program and retail store Target’s breach of confidential credit card information, this heightened awareness has been justified and provided warning of the need for awareness and […]
July 8, 2014
Every business must follow federal, state and local laws. Failure to follow these laws can create risk and liability for your business. Your business insurance may respond to these depending on the claim or action brought as a result of failure to follow the law. Important business laws Employee Personal Records – As a business […]
June 21, 2014
Developing a companywide safety program can be one of the best things you will do for your business. There are many benefits to your business including an engaged workforce, lower workers compensation costs, and reduced workplace injuries. Here is a simple overview of how to get a safety program started. STEP ONE Make sure all […]
June 15, 2014