What is Senate Bill 1159? Governor Newsom signed Senate Bill 1159 (“SB 1159”) on September 17, 2020. It created new laws that affect California employers with employees who test positive for COVID-19. One of these, Labor Code Section 3212.88, applies …
Does my insurance cover business losses from Covid-19? Is your business is experiencing slowing revenues due to the coronavirus? You might be asking this question, “Does my insurance cover business losses from Covid-19?” Under General Liability? Unfortunately, there’s not much …
There’s no doubt that accidents happen in the workplace. However, when an employee makes a false claim of injury, your business is on the line. Workers’ compensation fraud costs the insurance industry $5 billion each year according to the National …
Don’t Let a Subcontractor Jeopardize Your Insurance Protection The term subcontractor is defined as an independent business or person that carries out work for a company as part of a larger project. Many businesses use subcontractors, or “subs”, to handle …
Some insurance buyers express concern over whether a carrier is Admitted or non-Admitted, but what does that mean, and when it comes to an insurer’s claims-paying ability is that the only or even the primary concern? Read on to see …
As California wildfires recently burned through millions of acres and affected thousands of businesses, our agency was able to volunteer and help victims understand their coverage, and more importantly, get the most money out of their policy. How much coverage …
One of the common questions we hear is “what happens if my business suffers a disruption that forces it to partially or fully suspend operations?” Will insurance cover the stoppage or slow down? It is important to understand all aspects …
Confession: I am a chronic shopper. Not for something exciting, like shoes, or iPhone cases, but for work comp markets. I live in fear of surprise rate changes. It feels like a paranoia disorder. To keep ahead of changes, I …
Monday morning you get a call from one of your managers. She says: “Joe just fell from a ladder! He’s hurt pretty bad.” When you get the call, how do you handle it? Do you know? Do you have a …
Not every broker understands what you need and no one wants to be in a bad situation on their own. Depending on your industry, your work can change daily, and the last thing you want to worry about is keeping …
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