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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 Dive Guardians! It all started in 2015 when Dive Guardians President and Founder, Randy Lung, began working with disabled veterans and using SCUBA diving and the therapeutic effects of water to…

Every non-profit is unique. Whether you work with vulnerable populations, rely on volunteers, put on fundraising events, transport the elderly, employ social workers, or other activities, your insurance needs are very specific to your operations. Non-profit insurance is business insurance designed to accommodate the needs of a not-for-profit organization. Having business insurance for non-profit organizations…

Car Insurance Scenario You’re driving along the highway when you get stuck behind a big rig. You get closer, looking to pass, but the big rig kicks a rock at your car, cracking the windshield. What should you do about a cracked windshield? How Much Does it Cost to Fix a Cracked Windshield? In most…

If your business has an experience modification factor that means that you have been in business at least 3 years and you have paid at least $9,700 per year for all of the last 3 years in Workers Comp total premiums. Having an experience modification can be good news, or it can be an opportunity…

When many business owners think of Workers Comp coverage, there’s only one thing that primarily comes to mind. What is the expense/cost to my P&L? Yes, the coverage is important and required by law, however most entrepreneurs don’t plan to use their Workers Comp coverage. The true cost of your Workers Comp coverage is driven…

The COVID-19 pandemic has changed the way people now work. Safety and Social distancing guidelines have required employers to enable employees to work remotely from their homes when possible. Even after a vaccine is commonplace and we get back to a “new normal,” the work from home trend will not necessarily end. Business leaders believe…

Governor Newsom signed SB 1159 into law impacting COVID-19 related Workers’ Compensation Coverage and creating new notice and reporting requirements related to COVID-19 workplace exposures.   What is the new law SB1159 and when does it take effect? It is a California law that was signed on September 17, 2020 and will carry through until…

                Fighting Workers’ Compensation Audit Overcharges Lack of Attention A large majority of workers comp policies renew on January 1st. We hope these tips help you as an auditor will be contacting you soon if they haven’t yet. Workers’ Compensation costs are a major expense item for most businesses today. Although most businesses focus on…

If you are an owner of a company that carries workers compensation insurance to protect your employees for medical injury and lost wages while on the job, you may or may not be covered. If you are not sure, ask your agent/insurance company or call me at 951-239-4494. If you ARE covered for workers comp…