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Tag Archives: San Rafael

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

News about California Worker’s Comp Reform

Insurance companies have a history of problems with the State of California and it seems to be happening again.  During a period between the 1990s and early 2000s, many workers compensation carriers either left the California market or stopped writing insurance in the state.  Then in 2003, former governor Arnold Schwarzenegger helped create reforms which stopped the exodus of workers Read More

How Premiums are decided in Business Insurance

Business insurance intends to transfer risks associated to running a business to a company who takes some financial liability.  For example, if a worker slips and hurts themselves on the job, without insurance, the business would absorb the costs of healthcare.  The same way that health insurance is based on gender, family history, and other factors, there are factors which Read More

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

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

The Risks of Legionella Disease for Contractors

Contractors know of the dangers of construction sites.  With many moving parts, there are dangers from vehicles that have obstructed views as the roll around a job.  There are also a look of power tools and hardware which can lead to bloody accidents and bad falls from ladders. But there are also unseen dangers present at every turn.  In renovations Read More

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

New Workers’ Compensation Bill in California

The state of California is subjected to the third highest workers’ compensation rates in the entire US, trailing only Alaska and Connecticut according a survey completed this year.  The rate that California businesses pay out is $2.92 per $100 of salary, which is 55 percent greater than the national median rate.  In 2010, California was the fifth the last time Read More

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

As a Contractor, what is a Waiver of Subrogation?

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 Read More