Workers’ Compensation Claims: A Step-by-Step Guide for Employers
Workers' Compensation Claims: A Step-by-Step Guide for Employers Protecting your employees is paramount, and a crucial part of that is understanding the workers' compensation process. At Ted Hamm Insurance Agency, ...
Understanding the Different Types of Commercial Auto Insurance
Understanding the Different Types of Commercial Auto Insurance Protecting your business and your employees is paramount, and that includes securing the right commercial auto insurance. At Ted Hamm Insurance Agency, ...
Key Considerations When Choosing Commercial Property Insurance
Key Considerations When Choosing Commercial Property Insurance Protecting your business is paramount, and a crucial aspect of that protection is securing the right commercial property insurance. At Ted Hamm Insurance ...
Commercial Crime Insurance: Safeguarding Your Business from Theft
Protecting Your California Dream: Commercial Crime Insurance from Ted Hamm Insurance At Ted Hamm Insurance Agency, we understand that building a successful business in California takes dedication, hard work, and ...
Errors and Omissions (E&O) Insurance for Professionals
Protecting Your California Dream: Ted Hamm Insurance Agency Life in California is full of sunshine, opportunity, and… risks. At Ted Hamm Insurance Agency, we understand that protecting your family and ...
Directors and Officers (D&O) Insurance: Protecting Your Company Leaders
Directors and Officers (D&O) Insurance: Protecting Your Company Leaders At Ted Hamm Insurance Agency, we understand the significant risks faced by directors and officers of California businesses. That's why we ...
Commercial Umbrella Insurance: Extending Your Liability Protection
Extend Your Protection: Commercial Umbrella Insurance from Ted Hamm Insurance Life as a business owner is full of rewards, but also potential risks. While you likely have general liability insurance, ...
How to Reduce Your Business Insurance Costs
How to Reduce Your Business Insurance Costs Protecting your California business is crucial, but managing insurance costs can feel overwhelming. At Ted Hamm Insurance Agency, we understand this challenge. We're ...
What to Do After a Business Insurance Claim
What to Do After a Business Insurance Claim Experiencing a loss that requires a business insurance claim can be stressful. At Ted Hamm Insurance Agency, we understand this and want ...
Insurance Requirements for Different Industries
Protecting Your California Dream: Ted Hamm Insurance Agency At Ted Hamm Insurance Agency, we understand that California living is unique. From bustling city life to tranquil coastal communities, your family ...
Commercial Insurance for Home-Based Businesses
Protecting Your California Dream: Home-Based Business Insurance with Ted Hamm Insurance Agency Running a business from home offers flexibility and convenience, but it also presents unique insurance challenges. At Ted ...
Is Your Business Covered for Natural Disasters?
Is Your California Business Covered for Natural Disasters? California businesses face a unique set of challenges, and natural disasters are a significant concern. Wildfires, earthquakes, floods – these events can ...
The Benefits of Bundling Your Business Insurance Policies
The Benefits of Bundling Your Business Insurance Policies Protecting your California business requires a comprehensive insurance strategy. At Ted Hamm Insurance Agency, we understand the unique needs of businesses across ...
How to Choose the Right Commercial Insurance Broker
How to Choose the Right Commercial Insurance Broker for Your California Business Protecting your family and business is paramount. As a California business owner, navigating the complexities of commercial insurance ...
Top 5 Insurance Mistakes Businesses Make (And How to Avoid Them)
Top 5 Insurance Mistakes Businesses Make (And How to Avoid Them) Running a successful business takes dedication, hard work, and smart planning. One crucial element often overlooked is adequate insurance ...
Understanding Business Insurance Deductibles and Premiums
Understanding Business Insurance Deductibles and Premiums Protecting your California family and business is our priority at Ted Hamm Insurance Agency. We understand that business insurance can feel complex, so let's ...
The Rising Cost of Data Breaches: How Cyber Insurance Can Help
The Rising Cost of Data Breaches: How Cyber Insurance Can Help Data breaches are no longer a distant threat; they're a stark reality for businesses of all sizes, and even ...
Commercial Auto Insurance: Keeping Your Business Vehicles on the Road
Ted Hamm Insurance Agency: Keeping Your California Business Rolling with Reliable Commercial Auto Insurance Life in California is fast-paced, and your business relies on reliable transportation. At Ted Hamm Insurance ...
Professional Liability Insurance: Safeguarding Your Expertise
Protecting Your Family & Business: Ted Hamm Insurance Agency Ted Hamm Insurance Agency is your trusted partner in protecting what matters most – your family and your business. Based in ...
Product Liability Insurance: Protecting Your Business from Defective Products
Protecting Your California Business: Product Liability Insurance from Ted Hamm Insurance Are you a California-based business owner concerned about the potential risks associated with your products? A single product defect ...
Cybersecurity for Businesses: Why Cyber Liability Insurance is Essential
Cybersecurity for Businesses: Why Cyber Liability Insurance is Essential In today's digital world, businesses of all sizes are increasingly vulnerable to cyberattacks. A single breach can lead to devastating financial ...
Don’t Get Caught Off Guard: The Importance of Business Interruption Insurance
Don't Get Caught Off Guard: The Importance of Business Interruption Insurance Life throws curveballs. For businesses, unexpected disruptions – from natural disasters to cyberattacks – can mean lost revenue, damaged ...
Workers’ Compensation 101: What Every Business Owner Needs to Know
Workers' Compensation 101: What Every Business Owner in California Needs to Know Running a business in California is challenging, but one aspect you can't afford to overlook is workers' compensation ...
Is Your Business Liable? Understanding General Liability Coverage
Is Your Business Liable? Understanding General Liability Coverage Protecting your family and your business is our top priority at Ted Hamm Insurance Agency. As a California-based agency, we understand the ...
Protecting Your Assets: A Comprehensive Look at Commercial Property Insurance
Protecting Your Assets: A Comprehensive Look at Commercial Property Insurance Owning and operating a business in California requires significant investment, hard work, and dedication. One of the most crucial aspects ...
5 Risks Your Business Can’t Afford to Ignore (And How Insurance Helps)
5 Risks Your California Business Can't Afford to Ignore (And How Insurance Helps) Running a business in California is exciting, but it also comes with inherent risks. Ignoring these risks ...
The Ultimate Guide to Commercial Insurance for Small Businesses
The Ultimate Guide to Commercial Insurance for Small Businesses in California Starting and running a small business in California is exciting, but it also comes with significant responsibilities. Protecting your ...
Avoiding Common Commercial Insurance Mistakes: Essential Tips for Business Owners
Ted Hamm Insurance Agency: Your Partner for Comprehensive Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Do you need comprehensive ...
Ted Hamm Insurance: Your One-Stop Shop for Business Insurance Solutions
Ted Hamm Insurance Agency: Your Reliable Partner for Business and Workers' Compensation Insurance in California and Arizona Are you a business owner in California or Arizona? Protecting your assets and ...
Is Your Business Adequately Insured?
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona looking for comprehensive insurance ...
What Happens if You Don’t Have the Right Business Insurance?
Protecting Your Business: Why You Need Business Insurance and Workers' Compensation in California and Arizona (Ted Hamm Insurance Agency) As a business owner in California or Arizona, you understand the ...
Cybersecurity Best Practices for Businesses of All Sizes
Ted Hamm Insurance Agency: Your California and Arizona Business Insurance Experts Are you a business owner in California or Arizona? Protecting your assets and employees is crucial to your success. ...
Are You Prepared for a Natural Disaster?
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Looking for a reliable and experienced insurance agency to protect your business in California ...
How Can You Reduce Your Business Insurance Premiums?
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation in California and Arizona Introduction Running a business comes with a unique set of risks and challenges. ...
Safety Tips for Businesses
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Ted Hamm Insurance Agency is a leading provider of business insurance and workers' compensation ...
5 Ways Your Business Can Benefit From an Insurance Agent
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Is your California or Arizona business adequately protected? At Ted Hamm Insurance Agency, we ...
Understanding the Importance of Business Insurance: A Comprehensive Guide for Businesses in California
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Protecting your business and ...
How to File an Insurance Claim: A Step-by-Step Guide
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation Are you a California or Arizona business owner looking for reliable and comprehensive insurance solutions? Look no ...
5 Ways Your Business Can Benefit from a Strong Sustainability Strategy
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers Compensation in California and Arizona Are you a business owner in California or Arizona? If so, you know ...
Preparing for the Unexpected: Emergency Planning for Businesses
Ted Hamm Insurance Agency: Protecting Your Business in California and Arizona Welcome to the Ted Hamm Insurance Agency blog! We're a team of dedicated insurance professionals specializing in business insurance ...
7 Insurance Mistakes You Could Be Making (And How to Avoid Them)
Ted Hamm Insurance Agency: Your Partner in Comprehensive Business Insurance and Workers' Compensation Businesses of all sizes face unique risks. From property damage to employee injuries, unexpected events can disrupt ...
5 Ways to Reduce Your Business Insurance Costs
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation [Meta Description]: Ted Hamm Insurance is a leading provider of business insurance and workers' compensation in California ...
Weathering the Storm: Insurance Solutions for Businesses Prone to Natural Disasters
Ted Hamm Insurance Agency: Your Partners in Protecting Your California and Arizona Business Are you a business owner in California or Arizona? If so, you know the importance of having ...
Protecting Your Livelihood: Why Farmers Need Comprehensive Insurance
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Looking for comprehensive business insurance and reliable workers' compensation coverage in California and Arizona? ...
Is Your Small Business Ready for Cybercrime?
Ted Hamm Insurance Agency: Your Trusted Partner for Business Insurance and Workers' Compensation in California and Arizona The Ted Hamm Insurance Agency, serving California and Arizona, understands the diverse insurance ...
Managing Construction Risks: Insurance Solutions for Every Project
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Protecting your company with the ...
Restaurant Insurance: Essential Coverage for Your Culinary Dreams
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Protecting your company with the ...
How Ted Hamm Insurance Can Help You Get the Right Coverage at the Right Price
Ted Hamm Insurance Agency: Protecting Your California and Arizona Business Introduction In today's competitive business landscape, protecting your assets and employees is paramount. Ted Hamm Insurance Agency, a leading provider ...
How to Prepare for a Wildfire: A Guide for Businesses in California
Ted Hamm Insurance Agency: Protecting California & Arizona Businesses with Tailored Insurance Solutions Ted Hamm Insurance Agency is a premier insurance agency serving businesses across California and Arizona. Founded on ...
The Importance of Business Insurance in Ariziona
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Protecting your assets and employees ...
Ted Hamm Insurance: Your Trusted Partner for Protecting Your Business
Ted Hamm Insurance Agency: Your Partner for Business Insurance and Workers' Compensation in California and Arizona Are you a business owner in California or Arizona? Then you know the importance ...
5 Reasons Why Businesses in California Should Consider Ted Hamm Insurance
Ted Hamm Insurance: Your Partner in Securing California & Arizona Businesses Introduction In the ever-changing landscape of business, protecting your assets and employees is paramount. Ted Hamm Insurance, a leading ...
5 Ways Your Business Can Benefit from Workers Compensation Insurance
Ted Hamm Insurance Agency: Securing Your Business and Protecting Your Employees with the Right Coverage Are you a California or Arizona business owner looking for the best insurance solutions to ...
“Mistakes Happen: Safeguarding Your Professional Reputation with Professional Liability Insurance”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Protecting your loved ones and your livelihood is paramount. At Ted Hamm Insurance Agency, we understand that, and we're dedicated to ...
“General Liability FAQs: Answers to Your Most Pressing Questions”
Protecting Your California Dream: Insurance Solutions from Ted Hamm Insurance Living in California is a dream for many. From the sunny beaches to the vibrant cities, there's something for everyone ...
“Lawsuits and Liability: How General Liability Insurance Protects Your Business”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Since 1980 Serving the Central Coast with comprehensive insurance solutions Ted Hamm Insurance Agency has been a trusted name in California ...
“Don’t Risk It All: Understanding the Limits of Your General Liability Coverage”
At Ted Hamm Insurance Agency, we understand that every family and business is unique. That's why we take a personalized approach to insurance, working closely with our clients to understand ...
“Shielded from the Unexpected: Why Every Business Needs General Liability Insurance”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Ted Hamm Insurance Agency is a California-based insurance agency dedicated to providing comprehensive and personalized protection for families and businesses. With ...
“Workers’ Comp Myths Busted: Separating Fact from Fiction”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Since 1965 For over 50 years, Ted Hamm Insurance Agency has been a trusted advisor to families and businesses in California, ...
“Protect Your Employees and Your Bottom Line: Navigating Workers’ Compensation in California”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Peace of mind for your most valuable assets. Ted Hamm Insurance Agency is a California-based insurance agency dedicated to protecting families ...
“The True Cost of Workplace Injuries: Why Workers’ Comp is a Smart Investment”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Keeping your family and business safe is your top priority, and Ted Hamm Insurance Agency is here to help. As a ...
“Injured on the Job? Your Guide to Understanding Workers’ Compensation Benefits”
Protecting Your California Dream: Insurance Solutions with Ted Hamm Insurance Agency Living in California is a dream for many. From the sunny beaches to the towering mountains, the Golden State ...
“Beyond Liability: How Commercial Auto Insurance Drives Business Success”
Protecting Your Californian Dream: Insurance Solutions with Ted Hamm Insurance Living in California is a dream for many. From the sun-kissed beaches to the towering mountains, the Golden State offers ...
“5 Things You Didn’t Know About Commercial Auto Coverage (And Why They Matter)”
Ted Hamm Insurance: Protecting California Families and Businesses for Over 30 Years Ted Hamm Insurance Agency is a family-owned and operated insurance agency that has been serving the California community ...
“Don’t Let Accidents Derail Your Business: The Essential Guide to Commercial Auto Insurance”
Ted Hamm Insurance Agency has been a trusted advisor to families and businesses throughout California. We understand the unique challenges faced by our clients, and we are committed to providing ...
“Steering Clear of Risk: Top Tips for Protecting Your Business Fleet”
Ted Hamm Insurance Agency: Protecting California Families and Businesses Keeping Your California Dreams Safe Since 1983 Ted Hamm Insurance Agency has been a trusted name in California insurance for over ...
Directors & Officers (D&O) Insurance: Why Your Executives Need It
Protecting Your California Family and Business with Ted Hamm Insurance As a California resident, you know the importance of protecting your family and business from the unexpected. Whether it's a ...
Product Liability: Protecting Your Business from Lawsuits
Protecting Families and Businesses: Ted Hamm Insurance Agency Ted Hamm Insurance Agency: Your Trusted Partner in California Since 1984, Ted Hamm Insurance Agency has been dedicated to providing comprehensive and ...
Business Interruption Insurance: Recouping Lost Revenue After a Disaster
Protecting Your California Family and Business: A Guide from Ted Hamm Insurance Agency Are you a California resident looking for comprehensive insurance solutions for your family and business? Look no ...
“My Business is Unique” – Understanding Specialized Insurance Needs
For over 50 years, Ted Hamm Insurance Agency has been a leading provider of insurance solutions for families and businesses in California. With a team of experienced and dedicated agents, ...
Insurance Claim Denied? What Business Owners Can Do
At Ted Hamm Insurance Agency, we understand the importance of protecting what matters most - your family and your business. As a California-based insurance agency, we've been serving the community ...
Finding the Right Insurance Broker: Key Questions to Ask
Peace of Mind for Families and Businesses: Why Choose Ted Hamm Insurance Agency? Protecting the things that matter most, for your family and your business. Finding the right insurance coverage ...
Risk Assessment for Small Businesses: How to Protect What You’ve Built
Protecting Your California Dream: Why You Need Ted Hamm Insurance Living in California is a dream for many. The beautiful weather, stunning landscapes, and vibrant culture offer a unique and ...
5 Insurance Mistakes That Could Cripple Your Business
Protecting Your Family and Business: A Conversation with Ted Hamm Insurance Agency Ted Hamm Insurance Agency, a trusted California-based agency, has been safeguarding families and businesses for over 50 years. ...
Employment Practices Liability Insurance (EPLI): What It Covers and Why It Matters
Protecting Your California Dreams: Insurance Solutions with Ted Hamm Insurance Agency Living in California is a dream for many, with its beautiful landscapes, thriving economy, and diverse culture. But like ...
Cyber Liability Insurance: Are You Prepared for a Data Breach?
Finding the Right Insurance for Your California Family and Business: A Guide from Ted Hamm Insurance Agency Protecting what matters most doesn't have to be complicated. As a family-owned and ...
Commercial Auto Insurance: Protecting Your Business Fleet
Ted Hamm Insurance Agency: Protecting California Families and Businesses Serving the California community with comprehensive insurance solutions. Ted Hamm Insurance Agency is a California-based insurance agency dedicated to protecting families ...
Workers’ Compensation: A Comprehensive Guide for Employers
Protecting Your California Family and Business: A Guide from Ted Hamm Insurance Ted Hamm Insurance Agency has been a trusted source of insurance protection for families and businesses in California ...
Business Insurance 101: The Essential Coverages You Need
Ted Hamm Insurance: Protecting California Families and Businesses For over 30 years, Ted Hamm Insurance has been a trusted source of insurance for California families and businesses. Located in beautiful ...
A Symbol of Unity: Celebrating Flag Day
https://youtu.be/PulyBaozgsM National Flag Day, celebrated on June 14th, holds great significance not just in the United States but for many nations around the world. This is a day we come ...
What Does FDIC Stand For and What Does It Do?
FDIC stands for the “Federal Deposit Insurance Corporation” and is an independent government agency. Established in 1933, it provides deposit insurance to depositors in the event of a bank failure. ...
A Brief History of May The 4th
If you’re a Star Wars fan, then you’re well aware of May the 4th. Not an official holiday however, for many Star Wars fans around the world this day is ...
The Importance of Proper Protection
I want to tell you a story about the couple who thought they would save money by opting for low or minimum coverage limits. Meet John and Mary, a young ...
A Message to Siblings
We want to celebrate you! Siblings Day is celebrated on April 10 every year. It was created in 1998 by Claudia Evart, who wanted to honor the special bond between ...
What is March Madness
March Madness is a college basketball tournament that is held every year in March. It is a very popular sporting event in the United States, and it is estimated that ...
Defensible Space
Defensible space is an area around your home that is cleared of flammable materials reducing the risk of wildfire damage. It is important to create defensible space around your home, ...
Fire Season Preparedness In California
As California continues to face annual wildfires it is important to prepare for Fire season. Here are five things you can do to stay safe. Create a space around your ...
What’s an Umbrella Policy?
https://youtu.be/byLDmHn5IRY Personal umbrella insurance is a type of insurance that provides additional liability coverage beyond what your primary insurance policies, such as home or auto insurance, offer. It's designed ...
Workers Compensation Insurance
Workers compensation: A system established under stat law that provides payments, without regard to fault, to employees injured in the course and scope of their employment. Worker's Compensation Insurance: Insurance ...
The Right Coverage
https://www.youtube.com/watch?v=TrLGOqlcpdk Hello again. It's March. And when I get to March, I think about preparing the ground for a garden. Haven't got ready to plant the seeds yet, but I ...
Opposites Attract
Opposites attract is a common phrase that people use to describe how individuals with different personalities can form successful relationships. But why do we often find ourselves attracted to ...
Today’s Leaders
Leadership in the 21st century has evolved significantly from what it was just a few decades ago. Today's leaders must navigate an increasingly complex and interconnected world, where they must ...
A Time To Celebrate
Black History Month, also known as African American History Month, is an annual observance in the United States that highlights the contributions of African Americans to the nation's ...
A VLOG About Love From The Founder
Hear it From Ted February is the month of love. Every February I do one thing for my family. I reevaluate my life insurance. Do I have ...
A Time For Celebration – The Lunar New Year
The Lunar New Year, also known as Chinese New Year, is a significant holiday celebrated by many Asian cultures, including China, Vietnam, and Korea. The celebration marks the start ...
Living Benefits – The New Modern Life Insurance Policy
Living benefits insurance, also known as modern life insurance, is a new type of policy that offers policyholders the ability to access their death benefit while they are still ...
The importance of Homeowners Insurance
January is the perfect time to review your Thome insurance coverage and make sure you have the right amount of protection for your home and belongings. Home insurance is ...
3 Reasons to Review Your Insurance Coverage
January is a time for new beginnings, and what better way to start the year off right than by reviewing your insurance coverage? Here are three reasons why January ...
Preventing Catalytic Converter Theft
What the heck is a catalytic converter and why do people steal them? In short, a catalytic converter is found in your cars exhaust and helps convert environmentally harmful gases ...
How to Jump-Start a Car
When your ride suddenly won’t start from a dead battery, knowing how to use jumper cables is a good skill to have. At first, jump-starting a car can seem like ...
The Art of Mindful Eating
Taking time to be mindful of your eating process and not focusing on restricting calories could enhance your awareness of the experience, improve your relationship with food and help you ...
Are You Prepared for a Disaster?
Disasters such as hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. September is National Preparedness Month, making it a good time for you and your household ...
Prevent Home Insurance Claims with Summer Maintenance
Now that summer has arrived, you're probably looking forward to that well-earned vacation. Before you leave, you need to be aware of conditions in and around your home that could ...
California Short Term Rental Insurance
Over the last few years, short term rental (STR) properties have become extremely popular in and around Paso Robles, California. Insuring them has become less costly than when they ...
Figo Pet Insurance
Animal lovers know that our pets are a cherished part of the family. So purchasing insurance on them isn’t a new concept. In fact, the first pet insurance policy was ...
Business Preservation
Welcome to Ted Hamm Insurance Agency video blog! We will be bringing you insights, tips, and risks to look out for pertaining to the insurance industry and hope you are ...
Should My Truck or Car Be Insured on a Business Auto Policy
Do I Need Business Auto Insurance Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, ...
Cyber Security When Traveling
Welcome to Ted Hamm Insurance Agency video blog! We will be bringing you insights, tips, and risks to look out for pertaining to the insurance industry and hope you are ...
California Worker’s Compensation Insurance
Workers' compensation insurance is not only a crucial factor when running a business, many times it's required by law, according to the California's Workers' Disability Compensation Act. Not all employers ...
Gap in California Home Policies for Golf Carts
Lets say you purchase a new golf cart to ride around in your neighborhood and perhaps across the street to a local golf course. Did you realize that home insurance ...
Recreational Vehicle Insurance
California Recreational Vehicles Off Premises Whether you enjoy taking a ride on an ATV or seeing the beauty of the US one campground at a time, all recreational vehicles ...
Supreme Court Asked to Resolve Federal Drug Law v. State Medical Marijuana Laws Debate
Supreme Court Asked to Resolve Federal Drug Law v. State Medical Marijuana Laws Debate The U.S. Supreme Court has been asked to address whether the federal drug law that criminalizes ...
Founder’s Blog – Personal Cyber Coverage Explained
Today’s society has grown increasingly digital in nature, with many individuals leveraging smart devices within their daily lives. Although this technology can offer various benefits, it can also make individuals ...
Founder’s Blog – U.S. Eliminates Human Controls Requirement for Fully Automated Vehicles
U.S. regulators issued final rules on Thursday that eliminate the requirement for automated vehicle manufacturers to equip fully autonomous vehicles with manual driving controls in order to meet crash standards. ...
Changes To Your Home That Can Lower Your Home Insurance Rates
Owning a home can be expensive. Not only must you pay your mortgage, water and electricity bills, but you must also pay for insurance on the home. While most of ...
The California Catastrophic Claims Association (MCCA) Refund
California's MCCA has advised that refunds from our Auto Insurance No-Fault Reform Law passed in 2019, are on their way to California auto insurance consumers. Because the changes made by ...
General Liability Claims You May Face Working from Home
Working from home or having a business out of your home has a range of benefits, but it also comes with its own set of dangers. While not having a ...
Auto Insurance Basics – Know Your Coverage
Do you know what's in your auto insurance coverage? This article covers mandatory and optional car insurance so that you can make informed decisions about which ones fit your budget ...
7 Ways To Lower The Cost Of Home Insurance
The price you pay for your homeowner’s insurance can vary by hundreds of dollars, depending on the rates, credits, and endorsements available by your insurance company. Here are some things ...
3 Ways to Save on Business Insurance
This economy has been tough on many businesses, particularly small ones that don’t generate as much income as larger companies. However, insurance is still an important consideration for every business. ...
Review Your Home Insurance For Coverage Limits
Having homeowners insurance on your property is essential to your own security. After all, it helps you both maintain your property and protect your finances in case of hazardous accidents. ...
How Will Home Insurance Cover Your Kitchen Fire
Kitchens are generally the most fire-prone areas of any home. After all, heat is the universal cooking method, and where there’s heat, there is a risk of fire. No kitchen ...
How an Umbrella Protects you From More than Just Rain
With the passage of California’s auto insurance reform now becoming law, the immediate result will be a reduction in MCCA (California Catastrophic Claims Association) fees for all insured drivers. That ...
California Auto Reform Paperwork
Yes, you DID just fill out a bunch of paperwork a few months ago for your auto insurance renewal, and it is time to do it again! When the California ...
What Will Home Insurers See As High Risks?
When determining your home insurance premiums, insurers will gauge how much of a risk you are to invest in. If your chances of filing a claim are much higher than ...
Basic Security Steps For Your Home in 2021
Few things are probably more sacred to you than what lies within the four walls of your home. You go home to feel safe, secure and confident that you will ...
Questions You Should Ask Before Buying Business Insurance
Protecting your business with the right insurance policy is one of your many responsibilities as a business owner and it is crucial to have the best policy. No two businesses ...
The Advantages of Having Life Insurance
Life insurance is a benefit that no family that is concerned for its financial security should do without. It pays a death benefit to your loved ones if you die. ...
Do I Need Business Insurance if I’m Self Employed?
Now more than ever, people are turning to themselves for direction and starting up their own businesses. It can be empowering to be your own boss and adhere to your ...
Business Interruption Insurance Can Help Pay Vendors
An accident in your business might mean that you must temporarily close and therefore lose money. A lack of funds could cause you to miss important financial obligations, including vendor ...
Flood Insurance Becoming A Necessity In California?
We get it – we aren’t a ‘coastal state’, and that is why in California, flood insurance isn’t talked about much; except when required by a Mortgage Company for those ...
How Your Insurance Score Impacts Premiums
We all know that our credit history affects the interest rate we pay for credit cards, home mortgages and auto loans, and that a low credit score can even be ...
Protecting Your California Rental Property
Rental homes have become quite controversial in small towns and communities here in Northern California. Why? Because where one person sees increased traffic, unknown neighbors and events; another sees profit; ...
California No Fault Reform Law: What Does it Mean For You?
Last summer, I wrote about the California No Fault Auto Insurance Reform law right after it had been signed into effect. Since then, insurance agencies throughout the state have ...
Frozen Pipesicles
Yes, that’s not even a word, though it does make you envision a topic we run into often in Northern California — frozen pipes. Does your home insurance cover ...
Who Is An Insured?
The question of ‘who is an insured’ doesn’t seem complicated, until a claim is denied by your insurance company due to their decision that someone is simply ‘not an insured’ ...
Chargeable Accidents
You swerve to miss a deer and end up in the ditch causing damage to your vehicle from the impact; or perhaps you pull off the side of the road ...
Adulting is Hard
Yes, we know that adulting is hard, and that sometimes parents hold on too long and too tight when a child needs to take responsibility and do the ‘adulting’ thing. ...
Replacement Cost vs. Actual Cash Value (New for Old)
You start a load of laundry and head down the road for a neighborhood barbeque. Upon returning, you find water all over your laundry room and into your carpeted hallway. ...
Full Coverage Auto Insurance
One of the most common requests we receive as insurance agents from clients seeking auto insurance, is a quote for ‘full coverage’. What does that even mean? I have been ...
Home Sharing Coverage Issues
I’m still living in my home, so why do you need to know that I’m also renting it out? Unfortunately, this seems to be a common question ‘after’ a claim, ...
California Auto Insurance Reform
The news has been busy recently with photos of Gov. Gretchen Whitmer on Mackinac Island signing into law the long-awaited and strongly controversial auto insurance reform bill that will drastically ...
You Have No Coverage
We understand how upsetting it can be for a client who has paid premiums for years with no claims, to turn one in and hear that it’s simply ‘not covered’ ...
Do I Need To Insure My Bike?
Quiz: Do you know what a Pinarello Bolide, Dogma F8 Xlight, or a Cervelo P5 is? Second Question: Are you aware that they can cost you upwards of $10,000 ...
Understanding Ordinance and Law
What is Ordinance and Law? A frequently misunderstood coverage, ordinance and law is a property coverage issue that can be costly to owners of homes or commercial buildings that suffer ...
When Generations and Families Mix in the Workplace
As a Generation X employer, hiring and mentoring millennials makes for interesting situations; but when that millennial is your son, it makes for an even more unique scenario. I struggled ...
Storms Cause Neighborhood Storms
Once again mother nature caused some issues recently in Northern California with storms and high winds that brought trees down on buildings as well as vehicles. When a tree, regardless ...
Divorce And Division of Property
It happens. Relationships sometimes simply don’t work out, and you find yourself moving out of a home and dividing up assets. The insurance in these situations can be complicated for ...
What does ‘Named Peril’ Mean?
I don’t think anyone would argue that insurance jargon is, at times, very confusing. Even after being in this industry writing insurance policies for over 30 years, I at times ...
California Ranked #6 for Dog Bite Claims
Yes, we know that Fido is an adorable pet that ‘wouldn’t hurt anyone’. However, we also know that insurance companies pay millions of dollars each year for dog bite medical, ...
Factors YOU Control That Impact Your Auto Insurance Costs
Auto insurance rates in California continue to rise due to increasing medical costs. We are the only State with UNLIMITED medical coverage on our auto policies, and as medical costs ...
Shipt Drivers in California
So, I took the plunge! About 3 months ago I decided to give Shipt a whirl and see if it was all the hype that my busy professional mom girlfriends ...
Spring Toys can bring Financial Woes
As the snow leaves us here in Northern California, the trails and mud seem to call riders from all over to get out their ATVs and hit the dirt, sand ...
Claims on Vacant Homes Denied
You and your siblings deal with the excruciating decision to place your mother into a long-term care facility as she can no longer take care of herself due to either ...
Why Do Insurance Costs Vary So Much?
“Imagine the shock of hearing a quote $3,000.00 less than what you are paying for your insurance!” We just received a testimonial from this client who was floored at how ...
Should I Have High Deductibles?
Your home insurance renewal arrives and like most people, you toss it in a drawer or cabinet once you have paid the bill, but you really don't pay much ...
Forms of Auto Collision Coverage in California
California is somewhat unique when it comes to auto insurance in more ways than our Unlimited Medical benefits. When purchasing collision physical damage protection for your vehicles, you have 3 ...
California’s Auto Insurance Reform Defeated
Once again, the attempt to control costs of California Auto Insurance has failed by a 45-63 vote earlier this month. California having the highest auto insurance costs in the nation ...
Does my roommate need Renters Insurance too?
In this day of un-related individuals all living together in a home that just one of them owns, or in an apartment or condo that is leased, renters’ insurance seems ...
How Much Do I Insure My Home For?
You paid $165,000 for your home, but your agent here in California thinks your ‘bargain purchase’ for a seasonal residence should be insured for $208,000. How can that be? We ...
Replacement Cost vs Market Value Issues
You find a major bargain for a rental property in Detroit California and only pay $65,000 for a home, but then after phone calls to 5 different insurance agencies in ...
Claims Reporting – When to Contact Your Agent
You find water in the basement level of your home, or you back your vehicle into your own basketball pole in the driveway; fortunately, your insurance agent is just a ...
Reverse Trick or Treat
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Uber & Lyft have arrived in Traverse City
So, to answer the big insurance question – it’s a flat NO – your standard California auto insurance policy does NOT cover you while you are being a local ...
California Auto – Medical Order of Priority
California is often in the news about our auto insurance being the highest in the Nation. Truth! Why? – Because California is the ONLY State that provides UNLIMITED medical coverage ...
Salvage Autos – Hurricanes, Floods, Collisions
We realize that Northern California isn’t home to many floods or hurricanes, but we find when major storms occur like Hurricane Harvey, Californiaders end up with vehicles that come from ...
What Californiaders can learn from Hurricane Harvey
Our hearts go out to the victims of Hurricane Harvey, especially knowing that 85% of them have no flood insurance. These people face a crushing blow to their personal finances ...
You wrecked “Brad” and you want a new “Brad”
Yes, we realize that the Liberty Mutual television ad about wrecking a just purchased vehicle (she calls Brad), and not being able to purchase another one with the insurance proceeds, ...
College Kids – To Be… or Not to Be… On Their Own
Your 19-year-old son is away at college, is listed as a ‘driver’ on your auto policy and is using a vehicle that you; their parent – owns and insures. ...
Teen Driver Safety Tips
Drivers education courses provide our teens with enough knowledge and hands on experience to get their license, but that’s about it. I realized this as I watched my 16-year-old taking ...
Renters Insurance – Worth the cost of 2 Ristretto Venti Chocolate Brownie Iced Drinks?
Not only are kids moving back into their parents’ homes, now they are bringing their significant other and many times, other unrelated minor children with them. Today’s home can have ...
Client Relationships
Today I got the news that a long term client of mine passed away over the weekend. Every business owner gets these calls, and we empathize over the phone with ...
Why is Local Important?
Yes Amazon is quick, convenient, and all too easy to use. My 16-year-old doesn’t understand why I prefer to purchase what I can here locally in Traverse City. Just today ...
Cover Yourself with an Umbrella
An Umbrella Liability policy is a ‘separate’ policy that provides clients with an additional ‘layer’ of liability protection. The policy is placed ‘on top of’ your other insurance policies; hence ...
Home Insurance – Use Your 15 Minutes Wisely
15 Minutes can save you money now, but cost you thousands later. Oh wait, they don’t tell you that. The price gun, the lizard, the mayhem guy. We all have seen ...
How I found passion in – of all things – an insurance career
In 1988 with just a high school diploma for credentials, I answered a newspaper ad for a receptionist at a local insurance agency. My long term goal: To work with ...