Blog
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
When Do I Need A Business Auto Policy?
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
What Is The Stated Value Limitation On My Commercial Auto Policy?
Have you ever wondered just how much you will get reimbursed by your insurance company if your commercial vehicle gets totaled in an accident? (more
Yes, Your Building Will Burn
“What, this building? It’s made of (some material other than wood). It’ll never burn!” This is a statement I’ve heard more than a few t
Workers Comp for Domestic Workers in California
Workers Compensation laws in California are pretty straight forward: if you have any employees – even just one – you have to have workers comp.
How Do Day Laborers Affect My Workers Comp?
You know those guys that hang around Home Depot looking to get hired for the day? Let’s call them day laborers. As an employer, you may have see
Experience Modifications in California are Changing as of January 1st 2017
Experience Modifications are powerful. They can help or handicap your business in a big way. I’ve seen businesses go out of business because of
Having Trouble Estimating Your Payroll? Try Monthly Reporting
What is your payroll going to be for the next 12 months? Does this question create a sense of anxiety emanating from deep within your soul? As you
How To Deal With State Fund If You Must
In California, the State Compensation Insurance Fund aka "State Fund" exists as a market of last resort. That means that if you can't find insurance
Workers Comp: How Do You Classify An Employee That Performs Multiple Duties?
Ah, the mysterious and elusive Workers Comp. It's the simplest of insurance products to understand: it pays for workers who are injured on the job.
