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What Is Your Total Cost Of Risk?
Since the future is unknown, the range of bad things that can happen to your business - from very small to very large - is also unknown. What do you
What Is Risk Management?
What is Risk Management? A common misconception among those that have ever pondered the phrase is that Risk Management is insurance. But that is
Insuring A Cave
Caves have been a part of human existence ever since the beginning. Our Neanderthal ancestors lived in them and drew pictures in them. Today, bomb s
What Is A Third Party Administrator?
Third Party Administrators. What are they? If you've had a workers comp claim, you might have dealt with one. They are outsourced claims adjuste
Why Is My Workers Comp So Expensive?
Why is my workers comp so expensive? This is one of the most FAQ of all the FAQs. The truth is, there are a lot of factors going into your workers
The Nasty Contractors General Liability Endorsements
I've written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it's pretty bad. What I want to w
Can Owners & Officers Be Excluded On Workers Comp In California?
Note: if you want to read the updated version for 2017, click here. I frequently get asked the question about who can be excluded on a Workers Comp
Top Five Mistakes In Insuring A Winery
You're a winery owner and you need insurance. How do you find the right policy? What do you look for? Or maybe you already have insurance. How
Do I Need A Primary & Non-Contributory Wording Endorsement?
Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement. It was a nice article, and all true. What I want to tell
What Is Non-Admitted Insurance?
If you've ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS.
