Recent Posts

5 Small Business Insurance Gaps

Category: Our Blog

Is your business adequately insured? Check out the 5 most frequently neglected insurance areas below to find out.   #1 Business Interruption (Loss of Income) -Business interruption is just what it sounds like—coverage that pays for expenses and lost income if you’re temporarily closed due to damage or theft. It’s often included under your business … More

California Workers Compensation Officer/Partner Exclusion Update Work Comp Legislation SB 198

This past year, there have been many legislative changes concerning California Workers Compensation Officer and Director exclusions. SB189 Highlights for policies effective on and after July 1, 2018; The stock ownership requirements for corporate officers have been lowered to 10%, with an added requirement that they must be covered by a health care policy. Note: … More

California Fleet Auto Insurance is not an insurance carrier

Category: Our Blog

As an insurance agency, we get a lot of calls asking if we write for California Fleet Auto Insurance. There is no such insurance company.  A lot of the time it is someone who had an accident and thought that was the name of the other parties insurance carrier, it isn’t. To save you some time California … More

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Workers Compensation Executive Officers Minimum and Maximum Payroll

In California, effective January 1, 2018 if an executive officer chooses to be included or fails to sign the appropriate officer exclusion form the entire remuneration earned by each executive officer during the policy period shall be used as the payroll, subject to a minimum remuneration of $50,700 per annum and a maximum remuneration of … More

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Should I Buy a Personal Liability Umbrella ?

Deciding how much Personal or Auto Liability insurance coverage you need is an important question. First off it is important to understand that most Personal Lines insurance carriers have a cap on how much underlying coverage they will offer. Typically on an auto and homeowners insurance policy they will put a cap of $500,000 as the maximum … More

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Changes made to Olympian’s Insurance

The U.S. Olympic Committee (USOC) and the federal government have come to an agreement on providing qualified health insurance to Olympians that meets the Affordable Care Act (ACA)’s standards. Athletes were surprised to learn that the coverage they had been enrolled in through the USOC was not seen as health insurance under the ACA even … More

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¿Qué es el seguro de responsabilidad civil automotriz y cuánto debo comprar?

Aquí hay un breve video sobre el seguro de responsabilidad civil. Le recomendamos que vea el video antes de llamar para obtener cotizaciones de seguros de auto, para que entienda la diferencia en lo que puede ser cotizado de diferentes corredores y no se engañan en comprar algo que no puede protegerlo adecuadamente. Para una … More

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What is Auto Liability Insurance and How Much Should I Buy?

Category: Our Blog

Here is a brief video about auto liability insurance. We recommend watching the video before calling to get auto insurance quotes, so you understand the difference in what you may be quoted from different brokers and are not misled into buying something that may not properly protect you. For a free quote call 877-898-9333 or … More

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Health Insurance : When to Use The Emergency Room

Misusing of emergency rooms for non emergency medical events is one of the factors driving up health insurance premiums.  66% of insured’s go to the Emergency Room whenever they or someone they care for are sick and the doctor’s office is closed. 25% believe the emergency room is the best place to go regardless of how sick … More

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Workers Compensation Important Notice About Reporting of Small Medical-Only or First Aid Claims

The California Insurance Commissioner recently approved amendments to the California Workers’ Compensation Uniform Statistical Reporting Plan – 1995 (USRP) effective Jan. 1, 2017.  The purpose of the amendments is to clarify the reporting requirements for “first aid” claims. The Commissioner’s decision clarifies and reaffirms the long-standing positions of the California Department of Insurance (CDI) and … More

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