“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
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 together…
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…
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?
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 to…
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 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…
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…
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…
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…
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…
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…
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.…
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…
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…
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…
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’…
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.…
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…
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…
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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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…
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…
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…