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 […]

The FAIR Clearinghouse Progam

What is the FAIR Clearinghouse Program? When did Clearinghouse Start? Who participates in the Clearninghouse program for FAIR? How Does FAIR Clearninghouse Work? What is the FAIR Clearinghouse Program? The California FAIR Insurance program is required by Insurance Code 10095(i) “to develop…a clearninghouse program.” This program is for admitted insurers to “offer homeowners insurance policies […]

Rutgers Law and United Policy Holders Team Up to Help you the Consumers

United Policy Holders and Rutgers Law School have announced a partnership to work on the “Essentials Protections.” The “The Essential Protections for Policyholders Project is a two-year project that focuses much of its research on consumers that file ordinary claims, examining what they are surprised or disappointed by and how some of the best states are […]

the Turbulent Local Insurance Market

Got a Headache? So do We. Welcome to California’s Turbulent Local Insurance Marketplace. A new client that I was speaking with just the other day, asked me what I meant in regards to the turbulent local insurance market in California. I was a bit surprised by the question. Doesn’t everyone know how hard it is […]

LLoyd’s

Lloyds of London is technically not an insurance company, rather it is an Insurance Marketplace. It is a place of business and a set of methods that allow 80 or so syndicates to bid and provide insurance contracts typically on risks that many domestic, foreign,and admitted insurers refuse to offer. Lloyds is NOT your standard […]

Property Insurance Occupancy

Do you need to tell your insurance company when you move out of a home? Inform insurers of any Occupancy Change on your Property or Policy How to Inform Your Insurer in the Change of Occupancy of your Homeowners Policy Improperly written Property Policies Can be a Real Issue if you File a Claim – […]

AIG to Leave the Homeowners market in Marin – now What?

A major Exclusive Affluent Insurer is Leaving the Great State of California What to do? Where to go? What the AIG decision says to Marin County Homeowners AIG to Exit California Homeowners Market: In a stunning decision American International Group [AIG] has decided to leave “the admitted homeowners market on Jan. 31” in the state […]

Firewise Marin County Locations

What Locations in Marin county are recognized as being Firewise certified? A full and comprehensive list of firewise areas of Marin County. About the List of Firewise Communities in Marin County California, USA: Our list of firewise areas or communities in Marin is based off of public information. Although it is intended to be accurate […]

The Firewise Discount with FAIR

Does the FAIR plan offer discounts for Firewise Communities? Do other insurers offer Firewise discounts? What is Firewise relative to a Propery Insurer? The FAIR Firewise Discount: Yes, the FAIR plan now offers a discount to firewise community, assuming they are informed and pass through underwriting properly. Various sources state that the discount could be […]

Don’t Get a “D” when purchasing a Companion DIC Policy.

Where to purchase a Companion DIC Policy The Special Considerations for High Value Homes with DICs What to Watch out for with Companion DICs A DIC is a Differences in Condition policy – a poorly named policy that is used to pair with the California FAIR plan. Technically there is another type of DIC policy […]

California Nonrenewals in 2022

Will California experience less homeowner nonrenewals in 2022 vs 2021 Why are California Consumers Receiving nonrenewal notications? What is trend in home and liability insurance in the state? What is an Insurance Nonrenewal? Simply put a nonrenewal is an official insurance notification that the current insurer will not renew your next years policy. This definiition […]


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