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Non Owned Auto Liability Coverage Insurance

What do you mean – No Coverage?

A client of mine gave one of his employees the afternoon off in exchange for the employee dropping off a small package of merchandise at the customer’s site not far from the employee’s home. Happy to get the afternoon off, the employee headed out the door with package in hand and his GPS searching for the customer’s address.. As you …

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workers compensation - experience modification

Workers’ Compensation – Joys of the Experience Modification

An Experience Modification – who wants it? In California, insurance carriers file Workers’ Compensation rates and pricing adjustments with the California Department of Insurance for approval.  These rates are used to develop the manual premium.  The carrier then applies the infamous Experience Modification for employers that develop adequate payroll within their businesses to qualify.  This qualifying payroll amount and the …

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Employee Dishonesty Coverage Business Insurance

Crime: Stolen Before – What is Employee Dishonesty coverage?

“Honesty pays, but it doesn’t pay enough to suit some people.” – Hubbard, Kin The Fastest Growing Crime Every year the U.S. Chamber of Commerce puts out information about how employee theft is the fastest growing crime, represents 60% of inventory losses to U.S. companies, and is the cause of about 30% of the business failures.  Many times employees steal …

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Cd Dvd Multimedia Business Play Video Custom

Cyber–Data Breach

“It won’t happen to me”.  This is the way most small businesses manage their risk of Data Breach.  55% of the small businesses surveyed by the Ponemon Institute had suffered a Data Breach and 53% had already suffered multiple Data Breaches.  Only one third of the business had properly notified the affected individuals about the exposure of their personal information. …

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Business Technology Laptop Hands Custom

Loss of Digital Assets

“I can run my business from Hawaii.” For those of us that remember using carbon paper to create a copy of a document, technology is the greatest.  Virtual offices, telecommuting, and all forms of working remotely have changed the face of the standard business model.  Maynard Webb, the Silicon Valley VC that recently wrote a book entitled, “Rebooting Work”, encourages …

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