Blog
Auto Accident - do you know what to do?
What to Do After a Car Accident: A Complete Accident Checklist Car accidents happen every day on California roads—from busy freeways like I‑5 and Highway 99 to neighborhood streets and parking lots. Knowing what to do after a car...
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In Simple Terms - about employee owned vehicles
Did You Know - about getting the right coverage for business vehicle use. You may have heard the term "non-owned & hired auto liability" when discussing coverage with your agent. Here's a primer as to what this means to you and your...
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In Simple Terms - What is Crime Insurance?
In Simple Terms: What Is Crime Insurance for California Businesses? Running a business in California means managing employees, vendors, customer data, and financial transactions — often across multiple platforms and locations. Even with...
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Property coverage can protect a business from physical damage to its property from fire, windstorm, vandalism and other similar events. Sometimes, the covered damage prevents a business from operating. In those situations, the...
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Fortifying Your Digital Defenses
In light of the recent cyberattack in Las Vegas, I want to address an increasingly critical issue in today's digital age: cybersecurity. Hackers are increasingly using a tactic known as "social engineering," which involves hacking...
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In Simple Terms - What is Liquor Liability Insurance?
If your California business sells or serves alcoholic beverages, Liquor Liability Insurance is a necessary insurance coverage to protect you from loss. Say you own Scotty's Bar - a local Elk Grove tavern, and your employee lets a...
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The Nuts and Bolts of Insurance Audits
The Nuts and Bolts of an Insurance Audit (Without the Headache) Let’s be honest — insurance audits aren’t anyone’s favorite task. They’re easy to put off, but procrastinating can lead to higher costs and unnecessary stress. A little...
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Insuring your Jewelry - yay or nay?
"You'll never believe what happened. The closet door slammed on my hand (OUCH!), and do you know what happened to my ring? My diamond SHATTERED into itty bitty shards.""Do you know I went to the ladies' room in the restaurant, took off...
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Shopping LOCAL
One of the things I LOVE about Elk Grove is this LOCAL business community. With the Chamber activities, the Rotary Club of Laguna Sunrise activities and the BNI Elk Grove Harvesters activities - what a great and tight network. And this...
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Employee Theft - But I TRUSTED (her/him) - What HAPPENED?
Sometimes it's petty theft, sometimes it's missing office supplies, missing cash from the cash box, using company postage for personal mailings, inflating the expense report. But sometimes IT'S BIG! When you have an employee stealing...
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"Granny Flat" and the homeowners insurance policy
The "granny flat", and how it affects your homeowners insurance policy.
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