Business Insurance

13
Mar

Does Your Vehicle Wrap Have Separate Coverage?

Do you advertise your business with a vehicle wrap? We know that vehicle advertising can generate between 30,000 and 70,000 daily impressions, but is your vehicle wrap properly insured? Did you know that you must carry a commercial policy for your vehicle’s liability and a separate coverage for the advertising liability? Your insurance could be void if your car has

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3
Feb

How To Prepare For Your Insurance Premium Audit

  An audit of one or more of your business insurance policies is one situation that requires your early and immediate attention. The scenario with every insurance provider is different. The scenario will be something like this: Your insurance carrier will contact you. They want to conduct a premium audit. You’ve already paid your premiums for the year. Most policies

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3
Feb

Does your business use independent contractors instead of employees?

  Are you aware of the new law that has gone into effect on January 1, 2020? This new law changes the definition of an independent contractor in California. This may effect your business if you use independent contractors instead of employees. The California law (Assembly Bill 5) makes it harder for companies to treat workers as independent contractors takes

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23
May

What Business Owners Should Know About EPLI

Learn more about employment practices liability insurance (EPLI). While you have coverage to protect your business against third-party lawsuits and claims, do you have protection against employee claims?  If you assume that your workers compensation insurance will cover the cost of employee-filed lawsuits, then you might be in for a rude awakening.  Workers comp coverage only covers the costs of

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25
Apr

How to Avoid Costly Mistakes on Your Workers Comp Audit

Don’t make these costly mistakes with your workers comp coverage. When you operate a business, it’s normal to have your coverage audited from time to time.  However, should a routine audit uncover issues or inconsistencies with your employee codes or payroll, then you might be in for an expensive rate increase.  To ensure this doesn’t happen to you, here are

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18
Apr

Does Your Business Need Equipment Breakdown Coverage?

Why you should secure commercial equipment breakdown insurance. Does your business rely on specialty or extremely expensive equipment?  If so, then stop for a moment and imagine what would happen if this equipment were to breakdown or suffer a serious mechanical issue.  If you did not have the resources to immediately repair or replace the broken equipment, then your business

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