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Learn more about the critical points of California Workers’ Compensation Experience Modification Factors

Attention California Small Business Owners – Here’s Everything you Should Know About Workers’ Compensation Experience Modification Factors

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Small business owners in California need to know about the state’s experience rating system for Worker’s Compensation insurance. California is different from many other states in the way they manage Workers’ Compensation. If your business qualifies for an experience rating, you must use it. Understanding this rating system is integral for your small business. The […]

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Cybersecurity: What is Spear Phishing?

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Fishing remains a top U.S. pastime. Sadly, another kind of “phishing” has become popular, too. Phishing is a type of cyber attack in which hackers disguise themselves as trusted sources online in order to acquire sensitive information. It is a common and simple scam that can put you, your employees and your business at risk. […]

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Who Needs Inland Marine Insurance?

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Inland marine insurance is one of the most confusing types of commercial insurance available, and many business owners aren’t sure exactly what it is or if they need it. In a nutshell, inland marine insurance was originally created to protect goods as they traveled overseas; hence its name. Over time, however, the insurance evolved to cover […]

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What Is A Payment Bond For Contractors?

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Everyone appreciates getting paid for the work that they do, but rarely do employers have to take out a special type of bond just to guarantee that they’ll pay their employees, subcontractors, and suppliers. Unfortunately, construction companies are the exception to the rule, at least if they are looking to win government contract bids or […]

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The Difference Between a “Per Occurrence Limit” and an “Aggregate Limit”

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When you work in insurance, you quickly learn that every single word counts, especially when that word is inside an insurance policy document. That’s why it’s so important for business owners to understand the language they are likely to see in their insurance policy, whether it’s their general liability, workers compensation, employee practices liability, commercial auto, and many additional […]

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What You Need To Know About Getting A Performance Bond

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If you find that your construction company is expected to provide a performance bond as part of a project, that’s a good thing. It means that you have won a bid and are preparing to start a job. When your company starts bidding on projects for cities, states, municipalities, or even general contractors, you’ll be expected to […]

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What is a Business Owner’s Insurance Policy?

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As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have to run your business and keep your customers happy, but you may also have to oversee employees, do your own books, maintain inventory, and provide marketing. Everywhere you turn there are potential risks that could […]

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Protect Your Business with a BOP

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What is a BOP? If you are a small to medium business owner, you may find that a BOP is right for you. A BOP, or  Business Owners Policy, is an insurance package specifically designed to be an all-encompassing insurance product to suit your needs. Whether you own a restaurant, a nail salon, or a fitness center, your exposure to risk covers […]

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What is a Premium Audit?

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What is a Premium Audit? A routine part of Workers’ Compensation Policy Because you rely on your insurance broker to be thorough, informed and detail-oriented, you can expect that terms and regulations on your policies will be adhered to – as stated and on time. One of those features is the Premium Audit, which is […]

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The impact of imported products on your product liability exposure

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The manufacturing industry has a unique set of insurance needs beyond those of the typical business, whether it’s investment capital to purchase machinery or lease warehouse space, a transportation fleet to deliver materials or products, or insurance to protect against theft or damage to your property. As a manufacturer, you will also need product liability […]

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