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
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.
Caves have been a part of human existence ever since the beginning. Our Neanderthal ancestors lived in them and drew pictures in them. Today, bomb s
Third Party Administrators. What are they? If you've had a workers comp claim, you might have dealt with one. They are outsourced claims adjuste
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
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