Why is my workers comp so expensive? This is one of the most FAQ of all the FAQs. The truth is, there are a lot of factors going into your workers
I've written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it's pretty bad. What I want to w
Note: if you want to read the updated version for 2017, click here. I frequently get asked the question about who can be excluded on a Workers Comp
You're a winery owner and you need insurance. How do you find the right policy? What do you look for? Or maybe you already have insurance. How
Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement. It was a nice article, and all true. What I want to tell
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.
Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy. Why? Because it reduces your coverage to a
I've been working with workers comp since 2004 and although it's the simplest of all the insurance coverages, it's ironically the one that seems to
Most businesses have people that help move their enterprise forward. They're called employees. Many businesses have a few other people that are k
Last month I wrote a blog about Common Majority Ownership (you can read it here) where I discussed how separate legal entities are tied together by t
Gillespie Insurance Services helps people and businesses in California, Arizona and Nevada.