January 11, 2023
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. […]
January 5, 2023
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 […]
November 2, 2022
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 […]
September 27, 2022
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 […]
August 23, 2022
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 […]
August 8, 2022
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 […]
July 20, 2022
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 […]
May 27, 2022
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 […]
May 20, 2022
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 […]
April 29, 2022
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 […]
April 14, 2022
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 […]
March 24, 2022
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 – […]
