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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

Posted on October 19, 2016 By Eli Gillespie

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

Posted on September 28, 2016 By Eli Gillespie

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

Posted on September 15, 2016 By Eli Gillespie

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.  

Posted on September 06, 2016 By Eli Gillespie

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

Posted on August 25, 2016 By Eli Gillespie

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

Posted on August 10, 2016 By Eli Gillespie

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

Posted on August 03, 2016 By Eli Gillespie

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

Posted on July 28, 2016 By Eli Gillespie

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.

Posted on July 21, 2016 By Eli Gillespie

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

Posted on July 06, 2016 By Eli Gillespie

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Gillespie Insurance Services helps people and businesses in California, Arizona and Nevada.