Nobody Wants Me.
You are a business with a few (or maybe many) vehicles to insure. Maybe Nationwide or Liberty Mutual insured them for you; great companies, but they have decided to insure…
Finally Understand Your Commercial Insurance Policy
Navigating an insurance policy can be a daunting thing. You just received your policy from your agent and you would really like to know what it says on that 50…
Is Workers Compensation coverage too expensive?
I have a recent prospect who keeps dragging his feet with regard to providing information for a workers compensation quote. I hear from a different source that he is afraid…
The Case of The Three-Fingered Man
No, it’s not a mystery. It is a workers compensation scenario. And yes, it is extreme, but it happened, and other such incidents do happen. A client of mine had…
How Shall I Insure My Business Vehicle?
There is more than one way to insure a business vehicle. Your personal lines insurance agent may have a program whereby a vehicle can be insured on a personal lines…
Trying to save money by insuring for less? Beware of the Coinsurance Clause.
If you have $100,000 of inventory and fixtures, but you want to save a few dollars on the insurance, you may be tempted to insure, say, $25,000 of it and…
What kind of company insures you
Here in California, we have two types of insurance companies. Admitted and non-admitted. Admitted companies are backed by a safety net called the State Guarantee Fund, which would pay for…
Audit Issues with Workers Compensation Coverage
What could possibly go wrong with my workers compensation audit? I received a copy of an audit statement from one of our work comp companies that went to my client.…
