Demystifying Workers Compensation Insurance and How to Reduce Premiums

Demystifying Workers Compensation Insurance and How to Reduce Premiums

Over 135 million US workers are covered by workers’ compensation insurance through their employers. Most US states require employers to carry the insurance as a way to help provide workers with both wage loss compensation and medical benefits following a work-related injury. Despite how common the insurance is, however, employers’ requirements for workers’ compensation coverage […]

Do I need Contractor Insurance in California?

Do I need Contractor Insurance in California?

  Plumbing contractors in the US may find themselves in situations where different forms of insurance offer distinctly necessary protection. Whether you’re starting a new plumbing business or taking over a currently existing company, plumbing contractors in states across the country, including California, should consider various insurance products designed to help protect every aspect of […]

Why are my auto insurance rates going up?

Why are my auto insurance rates going up?

Few insurance purchases frustrate consumers more than auto insurance, especially in California. As a minimum level of coverage is a legal requirement in every US state, drivers are forced to eat the cost no matter how high it gets. Unsurprisingly, California drivers pay among the highest rates in the country for car insurance. If you’re […]

Is Earthquake Insurance Right For Me?

Is Earthquake Insurance Right For Me?

    Californians are buying earthquake insurance at a faster rate than ever before. In 2017, the California Earthquake Authority reported that over 1 million California residents had taken out policies, the highest in its history. A standard homeowners insurance policy will not cover earthquake damage. Fire damage following an earthquake may be covered (a […]

What is Umbrella Insurance?

What is Umbrella Insurance?

  Check this out: Hey, Ben Wong here. Just wanted to take a few minutes to chat about the umbrella policy coverages. The umbrella insurance, sometimes it’s called excess liability insurance, protects you from unforeseen major events. Here in California there’s more high-value cars on the road, for example, your Porsches, your Mercedes, your Teslas. […]

Top Tips for Restaurant Owners to Reduce Insurance Costs

Top Tips for Restaurant Owners to Reduce Insurance Costs

Running a restaurant here in CA, especially here in the Bay Area, can be challenging enough for the restaurant owner to plan and execute. Along with running the daily operation of your business, the topic of insurance can be overwhelming.  However, with hundreds of data points coming from everywhere, it’s foolish not to take advantage […]