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Avoid the Prior Works Exclusion

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

Posted on March 31, 2020 By Eli Gillespie

What is AB 5? From the Insurance Perspective

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

Posted on February 25, 2020 By Eli Gillespie

When Farm Liability Insurance Is Not Enough

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

Posted on January 21, 2020 By Eli Gillespie

What Does A Commercial General Liability Policy Really Cover Anyway?

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

Posted on June 08, 2017 By Eli Gillespie

The Best Sandwich in Redlands

Alright, I’m taking a break from the usual insurance-related topic I normally write about to dive into something I’m really passionate about f

Posted on February 28, 2017 By Eli Gillespie

Do I Have To Report First Aid To My Workers Comp Insurance Company?

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

Posted on February 08, 2017 By Eli Gillespie

The Best Workers Comp Companies for Farms in California

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

Posted on January 27, 2017 By Eli Gillespie

What is AB 2883?

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

Posted on January 18, 2017 By Eli Gillespie

Deductible – Per Occurrence or Per Claim?

One of the most well known insurance concepts is the deductible.  They’re easy to understand.  Insurance pays above and beyond the deductible.  

Posted on December 29, 2016 By Eli Gillespie

Can Owners & Officers Be Excluded On Workers Comp In California? (2017 Edition)

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

Posted on October 27, 2016 By Eli Gillespie

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