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How to Get Your Business Insurance Claim Paid 

For the most part, when a business needs to file an insurance claim, the carrier accepts the claim and sends out an adjuster to assess the damage, after which it starts paying the claim.    But the process sometimes doesn’t go smoothly, particularly if the insurance policy includes any number of exclusions. And many companies make

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EEOC: Employee COVID Testing Must Be ‘Business Necessity’

With COVID-19 cases spreading fast throughout the country in what experts say is the biggest surge since the pandemic started, employers who regularly test their workers may have to change their policies. The Equal Employment Opportunity Commission in July 2022 issued new guidance for when employers can test their workers in order to comply with

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As Insurance Rates Rise, Train Your Driving Employees Well

As vehicles get more expensive to purchase and repair and after a surge in vehicle accidents since the pandemic started, commercial auto insurance rates are expected to grow an average of 13% in 2023, according to a report by price comparison site Insurify.   Adding to the risk, due to the labor shortage, many companies are

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Cal/OSHA’s Set to Implement Permanent COVID Standard

The Cal/OSHA Standards Board is set to vote on a permanent COVID-19 workplace safety standard on Sept. 15, that would take effect at the start of 2023 and last through 2024. The permanent standard will replace the temporary emergency standard that took effect in 2020 after the pandemic started and is set to expire on

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As Risks Rise, You Need a Commercial Umbrella

As a responsible business owner, you no doubt make sure that you are properly insured for any liabilities resulting from damage to other parties. But, imagine the following scenarios: What if a visitor trips and falls at your business, breaking a leg and is unable to work for a few months while they recover? What

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Paid Family Leave Grants for Small Employers

California’s Paid Family Leave program allows California workers to take paid leave to bond with a new child (through birth, adoption or foster care) or to care for a seriously ill family member.  While it’s great for the employee, that can sometimes leave the employer in a bind, particularly a small employer with just a

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New Premium Threshold Set for X-Mod Qualification

Employers whose annual premiums exceed $9,200 in annual premiums need to start paying closer attention to their workers’ compensation policies and safety practices. Under California’s workers’ compensation system rules, starting Sept. 1, if your firm’s premiums exceed this new threshold, it will be issued what’s known as an “X-Mod,” a numerical of your claims history.

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Small Firms Increasingly Need Directors and Officers Coverage

While directors and officers liability has been traditionally thought of as insurance for publicly traded companies, increasingly it’s smaller companies that account for the largest share of exposure among top decision-makers. A study published by the news website Advisen found that over the past 10 years, small businesses accounted for 70% of all D&O insurance

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The All-in-One Business Insurance Solution

Business insurance can get complicated. Organizations need to protect themselves against damage to their property, income they may lose if they have to shut down after their property is damaged, and the risk of lawsuits.    With the risks of natural disasters, crime and other types of losses that separate policies cover, there can be a

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