There are few endorsements on a Contractor's General Liability more confusing policy than a Prior Works Exclusion. It is an exclusion of coverage, t
Much has been written about the infamous AB 5 of CA. This is the law that clarifies whether a worker is an independent contractor or an employee, s
You are a farm and you are insured, of course. Most likely you're covered properly, but then again, how do you really know? Is your Farm Liability pol
You’re a business owner and you have a Commercial General Liability policy. Why do you have it? What’s the point? What does this policy real
Recently I wrote an article about First Aid and how it works on a workers comp policy. In it, I described what First Aid is and why it matters
Farming is a big industry in California. According to my research (a quick Google search) it is the second biggest industry in California. With Cali
This article should have probably been written a few months ago. I actually did partially write about it here. In that article I didn’t mentio
One of the most well known insurance concepts is the deductible. They’re easy to understand. Insurance pays above and beyond the deductible.
This past May I wrote a blog on the conditions that allow officers and owners to be excluded on their workers comp policy. It was a great article, ve
When should I have a personal auto policy and when should I have a business (or commercial) auto policy? You would think this would be a simple questi
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