February 13, 2020
California workers compensation

How does workers’ compensation work in California?

Workers' compensation is a state-mandated insurance program. Workers Compensation in California gives your employees benefits when they are acutely injured, develop an injury or contract illnesses at the workplace. It pays for the worker's medical expenses and rehabilitation costs. Besides, workers' comp can also provide partial lost wages if the employee is forced to miss work due to the injury. Also, workers comp offers death benefits if an employee is killed while performing a job-related duty.
February 10, 2020
Contractor’s Insurance

Why Do I Need Contractors Insurance?

Contractors' insurance liability is designed for contractors to protect them against liability claims. As a contractor, there are many opportunities for injury or damages to protect that may arise while conducting services. They can be sued for the damages caused to clients' property, causing bodily injury or advertising injury. Clients may also require you to have insurance before they sign an agreement with you. Without insurance, they could be liable for alleged wrongful acts or accidents resulting from your work.
February 1, 2020
Workers Compensation Insurance

Is Workers Compensation the same as Liability Insurance?

Workers' comp is not the same as Liability Insurance. These forms of commercial insurance cover different risks that your business might face in the future. Choosing the right coverage for your business is a must. Worker’s Compensation and Liability Insurance is not the same thing. Liability insurance covers the third party when damages have been done for which the policyholder is legally liable. While worker’s comp covers medical expenses and lost income as a benefit for the injured employee while in the course of his employment regardless of who’s at fault.
January 31, 2020
Workers Compensation Insurance

Is Workers’ Compensation Insurance Required in California?

Every state has a different requirement for workers’ compensation insurance. In California state law, workers’ compensation is mandatory for all employers, regardless of how many employees you have. It requires a business owner to carry workers’ comp insurance for employees that regularly work in California. Additionally, the hours an employee works do not affect his or her entitlement to workers’ compensation.
January 28, 2020
Small Business Insurance

What is Business Insurance?

Business insurance provides protection for businesses against losses from events that may arise while conducting the usual course of business. There are different forms of insurance that can protect your business with coverage for property damage, legal liability, and worker-related risks. Companies compare their coverage needs to be based totally on potential risks, particularly could vary depending on the form of surroundings in which the enterprise operates. Business Insurance is especially necessary for small businesses to consider and assess their business insurance needs because they may face more financial exposure when it comes to an event of a loss.
August 15, 2019
Small Business Insurance

How to get small business insurance?

Deciding how to get commercial insurance can be a huge pain. Therefore, there isn’t one small commercial insurance policy that covers everything a business owner needs. Also, when it comes to insuring your business, factors like your location, industry, and the number of employees can all affect what coverage is applicable. Hence, you have to cover vehicles, property, and people, including customers and employees. In other words, this article helps you to gain knowledge on how to get a commercial insurance policy.
August 15, 2019
medical insurance for small business

Understanding Commercial Health insurance?

Commercial health insurance, also known as private health insurance. Hence, it is a type of health insurance that does not cover by the government. Commercial health insurance provides coverage of both medical costs and disability benefits for the insured. This type of insurance is identifiable due to the existence of renewal provisions and the provision of benefits.
August 15, 2019
Business Liability Insurance

What is Business Liability Insurance?

Business Liability Insurance, also known as Commercial general liability insurance. It can protect you and your business from a loss if you're found legally liable to third-party claims. Moreover, for bodily injury or property damage that is unintentionally caused by your business. Hence, third-parties may include customers, vendors, or landlords. In other words, it can cover some of the most common lawsuits that arise from everyday business activities. In fact, it is one of the most important insurance policies any business will buy. Furthermore, commercial general liability insurance can also offer protection in situations where you or your staff are conducting business off-site.
March 7, 2018

Business Insurance California Security Threat Prevention and Disaster Response

Business Insurance California knows that preparing for an unforeseen threat or disaster is very difficult. Criminal activity, natural disasters and terrorism are all threats to your business, and it is important that you have readiness plans in place to minimize the potential impact of those risks. Without prior planning, you leave your company open to financial disaster, especially if you are forced to close operations for a period of time. In addition, without a proper plan to cope with a disaster situation your company may face lawsuits from clients, vendors or employees claiming negligence.