A work comp audit is the examination of a policyholder financial and payroll records after the expiration of a policy. This process is done to determine the accuracy of the estimated premium when the policy was started. The number one way to fly through an audit is to be prepared! You should always connect with…

Cars back in the good ol’ days were built simply. Now-a-days, there is much more technology involved in maintaining your vehicle. Here are the rules of car maintenance and how they’ve changed over the years. Cabin air filter Then: What? Now: Cabin air filters, which are used to improve the quality of the air within a…

Our country is full of incredible people and organizations out making a difference for others! In this month’s Non-Profit Spotlight we’d like to recognize ICP Care! ICP Care is a 501(c)(3) nonprofit determined to help pregnant mothers who experience Intrahepatic Cholestasis of Pregnancy and to deliver healthy babies. ICP Care’s mission is to provide patient…

More and more purchases are being made online and this transition to a post COVID-19 way of doing business means that safeguarding your company and customer data from cyber attacks is a must. The first step to protecting yourself and your business is to educate yourself on cyber threats. Here are four cyber-attacks to be…

Do You Need Rental Property Insurance if You Have Homeowners Insurance? It depends on how long you intend to lease the property, but in most cases homeowners insurance won’t be an appropriate substitute for rental property insurance. Having tenants on your property brings on unique risks that may not be covered by your typical homeowners…

A work comp audit is the examination of a policyholder financial and payroll records after the expiration of a policy. This process is done to determine the accuracy of the estimated premium when the policy was started. The number one way to fly through an audit is to be prepared! You should always connect with…

Car Insurance Scenario A squirrel crosses the road in front of you — and naturally, you stop. Unfortunately, a lead-footed, tail-gating motorist slams into you from behind. While the squirrel is unscathed, the rear end of your vehicle is heavily damaged. What should you do about rear end damage? How Much Does it Cost to…

Our community is full of incredible people and organizations out making a difference for others! In this month’s Non-Profit Spotlight we’d like to recognize the Boys & Girls Clubs of North County! In 1962, several business leaders started what was known as the Boys Club of Fallbrook to provide a place where boys could gather…

Every business has a custom insurance program because every business has different needs. Business insurance can seem like another language, but there are a few questions you should ask yourself to help determine what would best protect you and your business against your unique risks. Do You Operate a Business? The mere fact that you…

What is Gap Insurance? If your vehicle is totaled or stolen, and you owe more than the car’s depreciated value, gap insurance will help you pay off your debt. Only the initial loan or leaseholder on a new vehicle is eligible for this form of coverage. Gap insurance helps pay the gap between the depreciated…