Personal Insurance and Natural Disasters: What You Need to Know
Introduction Natural disasters can strike at any time, and they can cause significant damage to your property and belongings. That’s why it’s important to have the right insurance coverage to…
Read MoreEmployee Assistance Programs (EAPs): Supporting Your Workforce in Times of Need
Introduction Employee Assistance Programs (EAPs) are employer-sponsored programs designed to support employees in times of need. These programs provide confidential, short-term counseling and referral services to employees and their families…
Read MoreHow to Maximize Your Health Insurance Benefits
Introduction Health insurance can be a valuable resource for managing your healthcare expenses. However, understanding your coverage and maximizing your benefits can be challenging. In this blog post, we’ll explore…
Read MoreCommon Life Insurance Myths Debunked
Introduction Life insurance is an important part of financial planning, providing financial support for your loved ones in the event of your unexpected death. However, there are many myths and…
Read MoreDirectors and Officers Liability Insurance: Shielding Your Organization’s Leaders
Introduction As a leader of an organization, you have a duty to act in the best interests of the company and its stakeholders. However, mistakes and misunderstandings can happen, which…
Read MoreBoat and Watercraft Insurance: Stay Afloat with the Right Coverage
Introduction If you own a boat or watercraft, it’s important to have the right insurance coverage to protect yourself and your investment. Boat and watercraft insurance can provide coverage for…
Read MoreNavigating the Family and Medical Leave Act (FMLA) as an Employer
Introduction The Family and Medical Leave Act (FMLA) is a federal law that requires employers to provide employees with job-protected and unpaid leave for qualified medical and family reasons. As…
Read MoreThe Impact of the Affordable Care Act on Health Insurance
Introduction The Affordable Care Act (ACA) was signed into law in 2010, with the goal of increasing access to affordable healthcare for all Americans. In this blog post, we’ll explore…
Read MoreHow to Create a Comprehensive Business Insurance Plan
Introduction As a business owner, protecting your business from financial losses resulting from unexpected events is essential. A comprehensive business insurance plan can help safeguard your business and provide peace…
Read MoreHow to Choose the Right Life Insurance Beneficiary
Introduction Choosing the right life insurance beneficiary is an important part of your financial planning. Your beneficiary will receive the death benefit from your life insurance policy, providing financial support…
Read MoreEmployment Practices Liability Insurance: Minimizing Risk in the Workplace
“ What is Employment Practices Liability Insurance? Employment practices liability insurance is a type of insurance coverage that provides protection for your business in the event of employment-related claims, such…
Read MoreHow to Choose the Right Homeowners Insurance Deductible
Introduction When it comes to homeowners insurance, one of the most important decisions you’ll make is choosing your deductible. Your deductible is the amount you’ll pay out of pocket before…
Read MoreThe Advantages of Offering Voluntary Benefits to Your Employees
Introduction Voluntary benefits are becoming increasingly popular among employers looking to offer additional benefits to their employees. These benefits are paid for by the employee and can include things like…
Read MoreTelemedicine: The Future of Health Care and Insurance
Introduction Telemedicine is a new and rapidly growing trend in the healthcare industry. It allows patients to receive medical care and advice remotely, through the use of video conferencing and…
Read MoreUnderstanding Life Insurance Riders and Additional Benefits
Introduction Life insurance is an important part of financial planning, providing financial support for your loved ones in the event of your unexpected death. However, many people are not aware…
Read MoreCyber Liability Insurance: Protect Your Business from Cyber Threats
Introduction As a business owner, protecting your business from cyber threats is essential in today’s digital world. Cyber liability insurance is a type of insurance coverage that can help safeguard…
Read MoreComprehensive vs. Collision Coverage: Which Do You Need?
Introduction When it comes to protecting your vehicle, there are different types of auto insurance coverage available. Two of the most common types of coverage are comprehensive and collision coverage.…
Read MoreWellness Programs: Boosting Employee Health and Productivity
Introduction Employee wellness programs are becoming increasingly popular among businesses of all sizes. By providing resources and support for healthy living, wellness programs can improve employee health, boost productivity, and…
Read MoreDental and Vision Insurance: Why They’re Important and How to Choose a Plan
Introduction Dental and vision insurance are important components of a comprehensive healthcare plan. They provide coverage for routine checkups and treatments for dental and vision health. In this blog post,…
Read MoreLife Insurance for Stay-at-Home Parents: Why It’s Essential
Introduction Life insurance is often associated with breadwinners who provide financial support for their families. However, stay-at-home parents also need life insurance to protect their families in the event of…
Read MoreProfessional Liability Insurance: Guarding Your Business Against Costly Claims
Introduction As a business owner, providing professional services to your clients is a top priority. However, mistakes and misunderstandings can happen, which is why professional liability insurance is an important…
Read MoreTips for Saving Money on Your Auto Insurance Premiums
Introduction Auto insurance is a necessary expense for every driver, but that doesn’t mean you have to pay a fortune for coverage. There are several ways to save money on…
Read MoreThe Importance of Disability Insurance in the Employee Benefits Package
Introduction Disability insurance is a crucial component of any employee benefits package. It provides financial protection to employees who are unable to work due to an injury or illness. In…
Read MoreThe Role of Life Insurance in Business Succession Planning
Introduction Business succession planning is an essential part of ensuring the long-term success of your business. Life insurance can play an important role in business succession planning, providing financial support…
Read MoreCommercial Auto Insurance: Understanding Coverage for Your Business Vehicles
Introduction As a business owner, protecting your vehicles and drivers is a top priority. Commercial auto insurance is a type of insurance coverage that can help safeguard your business vehicles…
Read MoreCondo Insurance vs. Homeowners Insurance: What’s the Difference?
Introduction When it comes to protecting your property, there are different types of insurance policies available depending on the type of home you own. For those who own a condo,…
Read MoreFlexible Spending Accounts (FSAs): A Valuable Employee Benefit
Introduction Flexible Spending Accounts (FSAs) are a valuable employee benefit that allows employees to set aside pre-tax dollars to pay for qualified medical expenses and dependent care expenses. In this…
Read MoreHow to Choose the Right Health Insurance Deductible and Copay
Introduction Choosing the right health insurance plan can be a complex decision, but one of the most important factors to consider is the deductible and copay. The deductible is the…
Read MoreHow to Calculate Your Life Insurance Needs
Introduction Calculating your life insurance needs is an essential part of financial planning. Life insurance can provide financial support for your loved ones in the event of your unexpected death.…
Read MoreWorkers’ Compensation Insurance: What Employers Need to Know
Introduction As an employer, providing a safe and healthy work environment for your employees is a top priority. However, accidents can still happen, which is why workers’ compensation insurance is…
Read MorePersonal Umbrella Insurance: Extra Protection for Peace of Mind
Introduction While you may already have insurance policies in place to protect your home, car, and personal belongings, sometimes it’s not enough. That’s where personal umbrella insurance comes in. Umbrella…
Read MoreShort-Term Health Insurance: Pros and Cons
“Sure! Here’s a blog post on “”Short-Term Health Insurance: Pros and Cons””: Introduction Short-term health insurance is a type of coverage that is designed to provide temporary health insurance benefits.…
Read MoreThe Benefits of Offering Group Health Insurance to Your Employees
Introduction Offering group health insurance to your employees can be a significant investment, but it can also provide significant benefits to both your business and your employees. In this blog…
Read MoreUnderstanding the Different Types of Health Insurance Plans
Introduction Health insurance is an important part of financial planning, providing financial protection against unexpected medical expenses. However, there are many different types of health insurance plans available, each with…
Read MoreLife Insurance and Estate Planning: Protecting Your Legacy
Introduction Estate planning is an essential part of ensuring that your assets are distributed according to your wishes after your death. Life insurance can be an important part of estate…
Read MoreBusiness Interruption Insurance: Keeping Your Business Afloat During Unexpected Downtime
Introduction As a business owner, unexpected events can cause disruptions that can impact your ability to operate your business. Business interruption insurance is a type of insurance coverage that can…
Read More“Renters Insurance: Why It’s a Must-Have for Tenants
Introduction If you’re renting a home or apartment, you might think that your landlord’s insurance policy will protect your personal belongings in the event of a disaster or theft. However,…
Read MoreRetirement Planning: Understanding 401(k) Plans and Other Options
Introduction Retirement planning is an important part of financial planning, and understanding your options is key to building a secure future. One of the most common retirement savings plans is…
Read MoreHealth Savings Accounts (HSAs): A Tax-Advantaged Way to Save for Medical Expenses
Introduction A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for medical expenses. HSAs are available to individuals and families who have a…
Read MoreThe Importance of Life Insurance for Young Adults
Introduction Life insurance is not something that most young adults think about, but it’s an essential part of financial planning. Life insurance can provide financial protection for your loved ones…
Read MoreCommercial Property Insurance: Safeguard Your Business Assets
Introduction As a business owner, protecting your assets is a top priority. Commercial property insurance is a type of insurance coverage that can help safeguard your business assets in the…
Read MoreAuto Insurance 101: Essential Coverage Types for Every Driver
Introduction Auto insurance is a necessary expense for every driver, as it provides protection in the event of an accident or theft. However, with so many different types of coverage…
Read MoreThe Top Employee Benefits That Attract and Retain Top Talent
Introduction In today’s competitive job market, offering attractive employee benefits can be a key factor in attracting and retaining top talent. In this blog post, we’ll discuss some of the…
Read MoreNavigating the Health Insurance Marketplace: A Guide for Individuals and Families
Introduction The health insurance marketplace can be a confusing and overwhelming place, especially if you’re new to the process of shopping for health insurance. In this blog post, we’ll provide…
Read MoreTerm Life vs. Whole Life Insurance: Which Is Right for You?
Introduction When it comes to life insurance, there are two main types of coverage to choose from: term life insurance and whole life insurance. Both types of coverage can provide…
Read MoreGeneral Liability Insurance: Protecting Your Business from Common Risks
Introduction As a business owner, it’s important to have the right insurance coverage to protect yourself and your business from common risks. General liability insurance is a type of insurance…
Read MoreUnderstanding Homeowners Insurance: Coverage and Exclusions
Introduction Your home is likely one of the biggest investments you’ll make in your lifetime. It’s where you make memories, build your life, and keep your most valued possessions. As…
Read MoreA 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…
Read MoreLiving 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…
Read MoreThe 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…
Read More3 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…
Read MoreCalifornia Short Term Rental Insurance
Over the last few years, short term rental(STR) properties have become extremely popular in and around Traverse City California. Insuring them has become less costly than when they first…
Read MoreFigo 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…
Read MoreShould My Truck or Car Be Insured on a Business Auto Policy?
Knowing when to insure your vehicle on a business or personal auto policy can have some major coverage issues if done incorrectly. In fact, if you insure a commercially used…
Read MoreCalifornia 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…
Read MoreGap 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…
Read MoreRecreational 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…
Read MoreThe 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…
Read More7 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…
Read MoreHow 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…
Read MoreCalifornia 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…
Read MoreDo I Have to Purchase Snowplow Insurance Coverage?
As we watch the colorful leaves fall to the ground, and the daylight hours become shorter, we know that snow is soon to follow; and as a Northern California…
Read MoreFlood 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…
Read MoreHow 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…
Read MoreProtecting 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;…
Read MoreCalifornia 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…
Read MoreFrozen 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…
Read MoreWho 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’…
Read MoreChargeable 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…
Read MoreAdulting 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.…
Read MoreReplacement 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.…
Read MoreFull 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…
Read MoreHome 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,…
Read MoreCalifornia 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…
Read MoreYou 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’…
Read MoreDo 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…
Read MoreUnderstanding 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…
Read MoreWhen 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…
Read MoreStorms 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…
Read MoreDivorce 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…
Read MoreWhat 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…
Read MoreCalifornia 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,…
Read MoreFactors 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…
Read MoreShipt 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…
Read MoreSpring 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…
Read MoreClaims 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…
Read MoreWhy 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…
Read MoreShould 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…
Read MoreForms 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…
Read MoreCalifornia’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…
Read MoreDoes 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…
Read MoreHow 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…
Read MoreReplacement 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…
Read MoreClaims 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…
Read MoreReverse Trick or Treat
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Read MoreUber & 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…
Read MoreCalifornia 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…
Read MoreSalvage 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…
Read MoreWhat 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…
Read MoreYou 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,…
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