Author Archive

Did the Economist Magazine Just Call Out the California DOI?

A fascinating, challenging article in the most recent Economist Magazine, dated July 13th 2023 – titled Why people struggle to understand climate risk – may have challenged the thinking of the California Department of Insurance and its Commissioner – Ricardo Lara. The article, which is in part based on Climate Change, Risk Management, and Risk […]

State Farm Stops Writing Home Insurance in the Bay Area [and the rest of California]

State Farm and its various mutual entities have long held out as the sole admitted insurer writing new policies in much of California. As of today – May 27th, 2023 – this is no longer true. According to numerous publications including the Wall Street Journal, Sac Bee, Fox Business, and many more – State Farm […]

The Insuranceflation Story

California is undergoing a tremendous increase in insurance costs. We call this rising cost of insurance – insuranceflation. The causes of insuranceflation. Some obvious, some not. What is Insuranceflation? Simply put insuranceflation is the increasing cost of insurance. Buy a house and watch the cost to insure it go up each and every year – […]

Technology Professional Liability Coverage

Technology Professional Liability Insurance is often known as Tech E&O. This form of commercial insurance is a must have for most tech companies. Tech E&O can help protect you from claims relating to the profesional services you provide to your clients. This line of coverage is often required under Independent Employment Contracts. In the world […]

Recent Landslides in Marin 2023

Recent headlines concerning various landslides and mudslides in Marin County and East Bay during the torrential storms of January 2023 has reminded us of an important risk mitigation challenge. Landslides are seldom Covered. However the differences between Landslides, Mudslides, Mudflows, and Flooding are important. According to ABC News “Nearly 20 residents have been displaced after […]

Professional Liability Insurance in San Francisco

Professional Liablity insurance is often closely tied to General Liability Insurance – but they are not the same. Businesses that have Commercial General Liability policies should always attempt to explore a Professional Liability policy alongside it. Occasionally – the difference between a given claim hitting one policy vs the other is hair’s width of difference. […]

Shopping Workers Comp in San Francisco

The top business Insurance Question of 2022 certainly was How Do I Save Money on Workers Comp Insurance in California? We understand this question – at times Workers Comp insurance can feel like a tax on many California businesses. After all it is mandated by the state and you only have a limited ability to […]

Does a One Man Business Need Insurance?

Reasons why One Personal Businesses need Insurance. Insurances for One Woman Businesses to Consider. The Risk of being a One Person Run Operation Are you the sole owner and operator of a small business? Think yourself immune from Insurance requirements? Never realized that you are in fact at risk? All of these are common themes […]

Insurance Auto Pay Vs E Bill

The Most Important Mistake a Consumer can Make with their Own Insurance is to Miss a Payment and risk non coverage for a claim. Home and Auto Insurance Electronic Billing and Auto Pay, although similar – are not the exact same thing. The Main Benefit of Auto Pay and Electronic Billing: The main benefit from […]

Business Interruption Coverage

Also called Business Income Coverage is a standard feature on many Business Owners Policies [BOP] in the United States. Sometimes called BI for short – Busienss Owners should inquire with their agent about the need for this specific coverage. According to Allstate “Business Interruption Coverage helps replace lost income and pay for extra expenses when […]

What is Business Insurance

Business Insurance, What is It? Who Needs Business Insurance? What types of Business Insurance are there? A simple list of types/kinds of business insurance policies for small to mid sized businesses. Small business insurance explained. Business Insurance Defined: Investopedia defines Business Insurance simply as: “coverage¬†[that] protects businesses from losses due to events that may occur […]

Work from Home Consultants Need Cover too

Why Consultants Need General Liablity Why Consultants Need Professional Liability Other Insurance Coverages to Consider Why Independent Consultants and Contractors Need Insurance: Independent Consultants that work from home need insurance. Business Insurance. They need insurance for their business and they need insurance for the owner of the building. The owner of the house is you […]