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What Should be Reported as “Payroll” Under Workers Comp?

By admin / September 8, 2025

For those of you that handle the Workers Comp coverage for your business, this may seem like a question with...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Understanding Terrorism Insurance: Lessons from the Palm Springs Fertility Clinic Bombing

By admin / September 8, 2025

The recent bombing at a fertility clinic in Palm Springs, California — identified by local officials as an act of...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Reconstruction Costs Have Skyrocketed 60% – Is Your Coverage Keeping Up?

By admin / June 6, 2025

Let’s talk about something a lot of property owners haven’t checked in a while—your insurance limits. Reconstruction costs have quietly...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Claims-Made Policies And Their Unique Risks

By admin / May 21, 2025

Most liability policies purchased by companies in the electronic security industry, or any of the construction trades, will be on...

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What is an OCIP or CCIP, and Why Should You Care?

By admin / April 22, 2025

OCIPs (Owner Controlled Insurance Programs) or CCIPs (Contractor Controlled Insurance Programs), are commonly found in place on large construction projects,...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Work Comp Dual Wage Classifications: How To Stay Ahead Of Them?

By admin / March 13, 2025

Are you a contractor with Worker's Compensation coverage for employees working in trades like Carpentry, Plumbing, Electrical, Painting, etc? Then...

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Important But Often Overlooked Coverages on Your Commercial Insurance

By admin / February 10, 2025

Many businesses first purchase the insurance they’re legally required to, and then find out later that those legally mandated coverages...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Liability Loss Trends Driving Nuclear Verdicts

By admin / January 15, 2025

Liability Loss Trends Driving Nuclear Verdicts U.S. juries have ordered a record number of supersized verdicts against companies in recent...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Uncovering Warning Signs of Worker’s Compensation Fraud

By admin / December 12, 2024

Uncovering Warning Signs of Worker’s Compensation Fraud There’s no doubt that accidents happen in the workplace. However, when an employee...

Construction

Senate Bill 216: New Law Affecting All California Contractors

By admin / December 6, 2024

Senate Bill 216: New Law Affecting All California Contractors California Senate Bill 216 (SB 216) was passed in 2022, and...

Environmental Remediation

How to handle First Aid Claims under Workers Compensation?

By admin / November 21, 2024

How to handle First Aid Claims under Workers Compensation? This is a question my office is frequently asked to address....

Uncategorized

Are Little Claims On Your Insurance Worthwhile?

By admin / November 15, 2024

Are Little Claims On Your Insurance Worthwhile? You bought insurance for your business for protection, you wanted to make sure...

Electronic Security / Alarm Companies

Security Professionals Need Professional Liability (E&O) Coverage

By admin / October 25, 2024

Security Professionals Need Professional Liability (E&O) Coverage You perform your services with precision and reliability and you have complete confidence...

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Employment Practices Liability Insurance & Claims-Prevention

By admin / August 6, 2024

Employment Practices Liability (EPL) Insurance exists to protect you and your business from potential disaster due to claims brought by...

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Selecting an Insurer: Admitted / Non-Admitted & Financial Strength

By admin / July 6, 2024

Some insurance buyers express concern over whether a carrier is Admitted or non-Admitted, but what does that mean, and when...

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What Information Do You Need to Collect for a Work Comp Claim?

By admin / May 28, 2024

Monday morning you get a call from one of your managers. She says: “Joe just fell from a ladder! He’s...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Workers Comp and Independent Contractors: What you need to know

By admin / May 16, 2024

Previously, we discussed how a company can protect itself and it’s own insurance from the risks inherent in hiring subcontractors...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Don’t Let a Subcontractor Jeopardize Your Insurance Protection

By admin / April 15, 2024

Don’t Let a Subcontractor Jeopardize Your Insurance Protection The term subcontractor is defined as an independent business or person that...

Electronic Security / Alarm Companies

Driver Safety: Your Biggest Liability Risk?

By admin / April 5, 2024

Driver Safety: Your Biggest Liability Risk? Electronic security companies provide 24/7 protection and peace of mind to their clients. However,...

Electronic Security / Alarm Companies

How Much Liability Insurance Should I Carry on My Alarm Company?

By admin / January 19, 2024

How Much Liability Insurance Should I Carry on My Alarm Company? This is a business question I see frequently, but...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Not All Additional Insureds Are Equal

By admin / December 1, 2023

Not All Additional Insureds Are Equal If your company does work for other businesses, then you’re used to receiving requests...

Other Insurance Programs

Don’t Let Inflation Hurt Your Insurance Protection

By admin / February 28, 2023

Understanding the Impact of Inflation on Business Insurance Limits and How to Protect Your Assets When inflation is in...

Other Insurance Programs

Is Your Commercial Building Covered If Vacant

By admin / November 4, 2022

Is your commercial building covered if vacant? The Pandemic saw vacancy rates spike in commercial real estate. Although the lockdowns...

Other Insurance Programs Workers Comp

New Challenges in Getting (and keeping) Cyber Insurance

By admin / April 22, 2022

New Challenges in Getting (and keeping) Cyber Insurance Cyber risk has increased dramatically for the small and mid-sized business community...

Other Insurance Programs Workers Comp

What Should be Reported as “Payroll” Under Workers Comp?

By admin / February 18, 2022

What Should be Reported as "Payroll” Under Workers Comp? For those of you that handle the Workers Comp coverage for...

Uncategorized

Larry St. John Featured in Independent Agent Magazine

By admin / November 19, 2021

Larry St. John Featured in Independent Agent Magazine Larry St. John, President of Eclipse Marketing and Insurance Services, was recently...

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EPLI: for addressing COVID-related Employment Law Challenges

By admin / November 26, 2020

EPLI: for addressing COVID-related Employment Law Challenges Things are quickly changing in the employee/employer relationship. Are changes opening your company...

Construction Electronic Security / Alarm Companies Environmental Remediation Extreme Sports Instruction / Rentals Other Insurance Programs

Senate Bill 1159 – How it affects California Employers

By admin / October 2, 2020

Senate Bill 1159 – How it affects California Employers What is Senate Bill 1159? Governor Newsom signed Senate Bill 1159...

Electronic Security / Alarm Companies

Management talk: who said you don’t need E&O?

By admin / August 4, 2020

Management talk: who said you don’t need E&O? Most alarm dealers have Errors & Omissions (E&O) coverage along with their...

Other Insurance Programs

California Department of Insurance Orders Workers’ Comp Carriers to Return Premiums Due to Stay-At-Home Orders

By admin / June 19, 2020

California Department of Insurance Orders Workers’ Comp Carriers to Return Premiums Due to Stay-At-Home Orders On June 17th, 2020, California...

Environmental Remediation

3 Things Environmental Contractors Should Consider During the COVID-19 Pandemic

By admin / April 3, 2020

3 Things Environmental Contractors Should Consider During the COVID-19 Pandemic Many of our environmental contractors doing emergency-related services and environmental...