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 question, but as usual – since we’re dealing with insurance – it’s not.
Workers Compensation laws in California are pretty straight forward: if you have any employees – even just one – you have to have workers comp. But sometimes things get confusing. Yes, it’s true. Here’s an example: what if you pay your neighbor’s son to feed your dog while you’re on vacation? Aah, see? It’s not always clear cut, now is it?
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. Of all the insurance forms it’s easily the scariest. Why? Because of the font, of course.