Monday, November 13, 2023
If you reside in a community that's part of a homeowners' association (HOA), you should understand what the association's insurance obligations are relative to your own to avoid any coverage gaps between your insurance and that of the association.
HOA rules usually require that all...
Read More: Belong to a Homeowners' Association? Know Your Insurance Obligations
Monday, November 13, 2023
Fed-OSHA has proposed new regulations that would require personal protective equipment for construction workers to be properly fitting.
OSHA's main concern is that the current standard PPE doesn't clearly state that the equipment must fit each construction worker properly, which the general industry and...
Read More: OSHA Proposes Changes to Construction PPE Standard
Monday, October 16, 2023
Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy.
The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use.
This means you are relying solely...
Read More: Are You Covered for Personal Use of Company Vehicle?
Monday, October 16, 2023
As with all life insurance policies, the most important reason to own them is the tax-free transfer of a large lump sum to beneficiaries, at the death of the insured. It's a hugely valuable benefit to families and estates, and the protection of loved ones...
Friday, September 15, 2023
The majority of homeowner's insurance policies have what's known as "replacement coverage," which will cover the costs of repairs or reconstruction to rebuild your home to its original state after a covered event.
But thanks to rising costs of construction, including materials and manpower, some...
Read More: Is Replacement Cost the Right Coverage Option Amid Spiraling Costs?
Friday, September 15, 2023
Both employers and employees have much to gain from a solid voluntary benefits program.
For employees, being able to enroll in an insurance product through a workplace voluntary benefits program offers them the advantage of group pricing, the convenience of paying through payroll deduction,...
Wednesday, August 16, 2023
Life in most of parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning.
You probably didn't know that the state has more than 10,000 seismic events every year, but fortunately most of them are too...
Read More: Earthquake Risk Requires Smart Planning and Insurance
Wednesday, August 16, 2023
The Equal Employment Opportunity Commission has issued new guidance for employers to provide reasonable accommodations for visually impaired workers who request it.
About 18.4% of all American adults have at least some difficulty with their vision, even when wearing corrective lenses, according...
Read More: EEOC Posts New Guidance on Visual Disabilities under the ADA
Monday, July 10, 2023
Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase.
A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When...
Read More: Your Homeowner's Insurance Won't Cover Work Under Construction
Monday, July 10, 2023
Having a solid estate plan in place is the only way to make sure your assets are distributed as you wish, and funeral plans are covered.
If you pass away and do not have an estate plan, there will be no direction for how your...