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Category: News


Seven Changes to Social Security in 2013

Seven Changes to Social Security in 2013

Social Security is an important part of any retirees’ income.  By collecting taxes from paychecks, the program supports people who are unable to take care of themselves.  Current estimates are that 40% of Americans over the age of 65 are kept out of poverty from the benefits proved by the Social Security Administration. 2013 brings 7 new changes to a social Read More

New California Law Gets Mixed Response

New California Law Gets Mixed Response

Governor Jerry Brown signed an amendment to California’s vehicle code which became effective on January 8th.  The amendment to Assembly Bill 1536 now allows drivers in California to text while driving, as long as they don’t use their hands.  It is an attempt to manage the emerging smart phone technology while still maintaining public safety, just as California did when Read More

The Pitfalls of Medicaid

The Pitfalls of Medicaid

As people get closer to retirement, they start to think about how costs will seemingly pile up.  Most will hope that they have enough money to take care of their medical bills.  Medicaid and Medicare is what they hope will bridge any deficiencies in their pocketbooks.  But Medicaid is an imperfect system and has seen decreases in funding both from Read More

New California Task Force to Stop Uninsured Contractors

New California Task Force to Stop Uninsured Contractors

California recently created the Joint Enforcement Strike Force’s Construction Enforcement Project.  This was a collaborative effort by the Contractors State License Board, Employment Development Department, and the California Department of Insurance.  The main concerns of this task force was to stop construction orders to uninsured employers, reduce owner-builder permits, target contractors who evade payroll taxes, and increase criminal charges for Read More

New Study about High Prices of Car Insurance

New Study about High Prices of Car Insurance

During the months before the holidays, people are shopping around for the best deals on presents for their family and friends.  People will stay up all night for the best deals for the most popular toys or electronics.  If people are that willing to save money, then they should be more aware of cost saving opportunities with car insurance. Research complied Read More

The Bad News about Flood Insurance

The Bad News about Flood Insurance

On the heels of devastating damage on the East Coast due to hurricane Sandy, there has been a renewed concern about homeowners’ lack of flood insurance.  While people in California don’t have to be worried about massive hurricanes, there are other dangers which are present.  The Association of  California Water Agencies has data to show that over the last 20 years, Read More

Tools and Equipment

Tools and Equipment

Wow, construction sites are still getting robbed at a alarming pace. We run theft coverage by our client's, but rarely do we sell this insurance. I can even narrow down when a theft will take place. The job site will be robbed late in the week, after hours and usually when the job is almost complete. Close to completion jobs Read More

Diminished Value:

Diminished Value:

Please see the list of items a rental car company can charge you for damage to the rental car. Some of these expenses may not be covered by your insurance. This is why I always take the rental car companies insurance. Damages to the car: (covered by your insurance) Appraisal fee: (covered by your insurance) Towing and Storage: (limited coverage) Administration Fee: (undefined) Loss of Read More

New Lead Based Paint Law

New Lead Based Paint Law

New law applies to: Any contractor renovating buildings built before 1978. Homes Schools Offices Government Work must be performed by a certified contractor. What Is A Pollutant - And Who Pollutes??? Technical definitions aside, from a practical standpoint, almost anything that has to be cleaned up - whether it is from a building, land, air or water - may be a pollutant. • Clean dirt that is washed off Read More

Non Profit Volunteering


Unfortunately the number of lawsuits against non-profit workers, board members and volunteers are on the increase. Before you volunteer or join a non-profit board please confirm liability insurance protection has been purchased and directors and officers coverage is in place.