Posts byjake:

As a Contractor, what is a Waiver of Subrogation?

10 Nov 2012 in California News & Insurance for Contractors & Personal Injury & San Rafael & Wise Insurance Agency

There is a legal term that shows up throughout legal documents regarding real estate, personal guarantees and insurance.  The rights of subrogation are generally broken up into five different categories.  The first is regarding people’s debts, the right of subrogation allows a person who paid off another person’s debt to seek the repayment from that person.  There is another subrogation right which allows creditors of a trust to seek repayment from the beneficiaries of the trust if the trustee does...

Prop. 103’s Influence on Car Insurance in California

04 Nov 2012 in California News & Car Insurance & Insurance

Californians have a reason to smile when they compare their auto insurance rates to other states in the USA.  Prices in California have seen a decline of 4 percent between 1989 and 1998.  An opposite trend compared to other states which have seen increases of an average 38.9 percent, according to a new survey released by Consumer Federation of America. The Consumer Federation of America has also reported that the nation averages more than $700 per vehicle and $1,500 per...

Becoming Aware of Worksite Pollutants and Finding Solutions

20 Oct 2012 in Contractor Limited Pollution Liability & Insurance & Insurance for Contractors & Personal Injury & Property Damage & San Rafael & Wise Insurance Agency & Worksite Pollutants

As a contractor, there are many concerns day to day.  Schedules must be kept to finish a job on time and sometimes workers who are hurrying are not as careful as they should be while completing their work.  It is easy to remember the need for insurance that covers personal injury claims, property damage claims or other negligence, but it is harder to remember that the work completed at a jobsite can affect the environment. So what is considered a...

Who Needs Life Insurance?

13 Oct 2012 in Death Benefit & Family Care & Insurance & Life Insurance & San Rafael & Wise Insurance Agency

Most people think that only people with children need life insurance but that just isn’t the case.  It is important that anyone who depends on you has the financial means to carry on without you.  What is known as a death benefit can cover your funeral costs, living expenses and even college funding.  No one wants to think about what happens to their family after they die, but it is important to think about protecting their futures even if you are not...