Posts

Help Your Injured Employees Heal Faster and Reduce Your Costs

February 28, 2024

Getting injured workers back on their feet isn’t just good for them – it’s good for your business too. Prineville Insurance partners with you to create effective return-to-work programs that…

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Creating an Employee Benefits Communication Strategy to Maximize Engagement and Satisfaction

October 5, 2023

Introduction Employee benefits are a crucial component of any employer’s compensation package, but they’re only effective if employees understand and appreciate them. That’s where an effective employee benefits communication strategy…

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Health Insurance and Mental Health: Coverage for a Growing Concern

October 3, 2023

Introduction Mental health issues are becoming an increasingly common concern in our society. Fortunately, health insurance plans are required to cover mental health services just as they cover physical health…

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Life Insurance and Retirement: Planning for a Secure Future

September 28, 2023

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, life insurance can also play…

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Personal Insurance and Natural Disasters: What You Need to Know

September 21, 2023

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…

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Employee Assistance Programs (EAPs): Supporting Your Workforce in Times of Need

September 19, 2023

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…

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How to Maximize Your Health Insurance Benefits

September 14, 2023

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…

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Common Life Insurance Myths Debunked

September 12, 2023

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…

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Directors and Officers Liability Insurance: Shielding Your Organization’s Leaders

September 7, 2023

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…

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Boat and Watercraft Insurance: Stay Afloat with the Right Coverage

September 5, 2023

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…

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Navigating the Family and Medical Leave Act (FMLA) as an Employer

August 31, 2023

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…

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The Impact of the Affordable Care Act on Health Insurance

August 29, 2023

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…

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How to Create a Comprehensive Business Insurance Plan

August 26, 2023

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…

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How to Choose the Right Life Insurance Beneficiary

August 24, 2023

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…

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Employment Practices Liability Insurance: Minimizing Risk in the Workplace

August 22, 2023

“ 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…

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How to Choose the Right Homeowners Insurance Deductible

August 17, 2023

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…

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The Advantages of Offering Voluntary Benefits to Your Employees

August 15, 2023

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…

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Telemedicine: The Future of Health Care and Insurance

August 10, 2023

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…

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Understanding Life Insurance Riders and Additional Benefits

August 8, 2023

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…

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Cyber Liability Insurance: Protect Your Business from Cyber Threats

August 3, 2023

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…

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Comprehensive vs. Collision Coverage: Which Do You Need?

August 1, 2023

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.…

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Wellness Programs: Boosting Employee Health and Productivity

July 27, 2023

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…

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Dental and Vision Insurance: Why They’re Important and How to Choose a Plan

July 25, 2023

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,…

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Life Insurance for Stay-at-Home Parents: Why It’s Essential

July 20, 2023

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…

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Professional Liability Insurance: Guarding Your Business Against Costly Claims

July 18, 2023

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…

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Tips for Saving Money on Your Auto Insurance Premiums

July 13, 2023

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…

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The Importance of Disability Insurance in the Employee Benefits Package

July 11, 2023

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…

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The Role of Life Insurance in Business Succession Planning

July 4, 2023

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…

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Commercial Auto Insurance: Understanding Coverage for Your Business Vehicles

June 29, 2023

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…

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Condo Insurance vs. Homeowners Insurance: What’s the Difference?

June 27, 2023

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,…

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Flexible Spending Accounts (FSAs): A Valuable Employee Benefit

June 22, 2023

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…

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How to Choose the Right Health Insurance Deductible and Copay

June 20, 2023

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…

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How to Calculate Your Life Insurance Needs

June 15, 2023

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.…

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Workers’ Compensation Insurance: What Employers Need to Know

June 13, 2023

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…

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Personal Umbrella Insurance: Extra Protection for Peace of Mind

June 8, 2023

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…

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Short-Term Health Insurance: Pros and Cons

June 7, 2023

“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.…

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The Benefits of Offering Group Health Insurance to Your Employees

June 6, 2023

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…

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Understanding the Different Types of Health Insurance Plans

June 1, 2023

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…

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Life Insurance and Estate Planning: Protecting Your Legacy

May 30, 2023

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…

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Business Interruption Insurance: Keeping Your Business Afloat During Unexpected Downtime

May 25, 2023

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…

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“Renters Insurance: Why It’s a Must-Have for Tenants

May 23, 2023

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,…

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Retirement Planning: Understanding 401(k) Plans and Other Options

May 18, 2023

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…

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Health Savings Accounts (HSAs): A Tax-Advantaged Way to Save for Medical Expenses

May 16, 2023

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…

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The Importance of Life Insurance for Young Adults

May 11, 2023

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…

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Commercial Property Insurance: Safeguard Your Business Assets

May 9, 2023

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…

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Auto Insurance 101: Essential Coverage Types for Every Driver

May 4, 2023

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…

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The Top Employee Benefits That Attract and Retain Top Talent

May 2, 2023

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…

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Navigating the Health Insurance Marketplace: A Guide for Individuals and Families

April 27, 2023

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…

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Term Life vs. Whole Life Insurance: Which Is Right for You?

April 25, 2023

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…

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General Liability Insurance: Protecting Your Business from Common Risks

April 20, 2023

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…

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Understanding Homeowners Insurance: Coverage and Exclusions

April 18, 2023

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…

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A Time For Celebration – The Lunar New Year

January 30, 2023

  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…

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Living Benefits – The New Modern Life Insurance Policy

January 30, 2023

  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…

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The importance of Homeowners Insurance

January 30, 2023

  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…

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3 Reasons to Review Your Insurance Coverage

January 30, 2023

  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…

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Traverse City California Short Term Rental

California Short Term Rental Insurance

August 11, 2022

   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…

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Figo Pet Insurance

August 2, 2022

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…

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Should My Truck or Car Be Insured on a Business Auto Policy?

July 12, 2022

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…

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Workers Compensation Claim

California Worker’s Compensation Insurance

July 5, 2022

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…

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California Golf Cart Insurance

Gap in California Home Policies for Golf Carts

July 1, 2022

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…

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California Recreational Vehicle Insurance

Recreational Vehicle Insurance

June 10, 2022

                             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…

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The California Catastrophic Claims Association (MCCA) Refund

March 10, 2022

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…

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7 Ways To Lower The Cost Of Home Insurance

November 1, 2021

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…

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How an Umbrella Protects you From More than Just Rain

April 8, 2021

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…

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California Auto Reform Paperwork

April 8, 2021

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…

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Do I Have to Purchase Snowplow Insurance Coverage?

December 7, 2020

  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…

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Flood Insurance Becoming A Necessity In California?

August 13, 2020

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…

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How Your Insurance Score Impacts Premiums

July 13, 2020

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…

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Protecting Your California Rental Property

May 8, 2020

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;…

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California No Fault Reform Law: What Does it Mean For You?

February 20, 2020

  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…

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Frozen Pipesicles

February 11, 2020

  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…

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Who Is An Insured?

January 17, 2020

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’…

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Chargeable Accidents

October 9, 2019

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…

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Adulting is Hard

September 6, 2019

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.…

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Replacement Cost vs. Actual Cash Value (New for Old)

August 8, 2019

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.…

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Full Coverage Auto Insurance

July 18, 2019

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…

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Home Sharing Coverage Issues

June 27, 2019

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,…

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California Auto Insurance Reform

June 18, 2019

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…

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You Have No Coverage

June 14, 2019

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’…

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Do I Need To Insure My Bike?

April 26, 2019

  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…

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Understanding Ordinance and Law

April 25, 2019

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…

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When Generations and Families Mix in the Workplace

March 15, 2019

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…

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Storms Cause Neighborhood Storms

July 12, 2018

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…

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Divorce And Division of Property

May 30, 2018

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…

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What does ‘Named Peril’ Mean?

May 15, 2018

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…

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California Ranked #6 for Dog Bite Claims

April 27, 2018

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,…

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Factors YOU Control That Impact Your Auto Insurance Costs

April 19, 2018

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…

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Shipt Grocery Driver Insurance

Shipt Drivers in California

April 14, 2018

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…

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Spring Toys can bring Financial Woes

March 23, 2018

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…

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Claims on Vacant Homes Denied

January 8, 2018

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…

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Why Do Insurance Costs Vary So Much?

January 1, 2018

“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…

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Should I Have High Deductibles?

December 25, 2017

  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…

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Forms of Auto Collision Coverage in California

December 18, 2017

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…

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California’s Auto Insurance Reform Defeated

December 11, 2017

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…

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Does my roommate need Renters Insurance too?

December 6, 2017

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…

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How Much Do I Insure My Home For?

November 27, 2017

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…

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Replacement Cost vs Market Value Issues

November 20, 2017

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…

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Claims Reporting – When to Contact Your Agent

November 13, 2017

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…

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Reverse Trick or Treat

October 30, 2017

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Uber & Lyft have arrived in Traverse City

October 28, 2017

  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…

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