So you want to buy insurance. Great. Maybe you need it. Maybe you want to protect yourself. Maybe it is a combination. What do you consider when buying insurance? Here are some basic things to consider when determining who to…
Posts Categorized In: Business Insurance
Man Charged with Selling Fake Insurance Policies
The California Department of Insurance has arrested a Texas man for selling fake insurance policies. Apparently, this individual had his insurance license expire, but continued to sell policies for almost 4 years. He had offices in Texas, California and New…
A Website Everyone Should Go Read
Its not often that I openly plug an organization, and I can only think of one other that I have plugged, the CPCU Society, but here is another one. United Policyholders is a group who attempts to educate the public…
3 Myths about Insurance
MSN has a great article about insurance myths. Here are their 3 top insurance myths: Your benefits should be equal to your premium payments Insurance should cover events that are likely to happen Insurance is a rip-off, so you should…
Who’s insurance do you make a claim against?
There are a lot of situations where more than more insurance policy can apply. For example, if you are in a condo or townhouse, your neighbor may have a water leak that damages your property. In a business situation, the…
Who to insure with?
I was reading through Google groups (which can be fun reading!) today and there was a discussion about what insurance company people should get. One person was looking for insurance and others were chiming in with their opinions. The answer…
Business Insurance for Home Based Businesses
A person on Google groups posted about looking for business insurance for his welding business. He had a hard time finding this insurance. Here are some ideas for people looking for hard to find insurance, such as small business, or…
Workers Comp Insurance Revisited
Today’s Sacramento Bee has an editorial from Dan Weintraub about how the California inititiative process works because workers comp rates have come down. (Here is a link to the article that does not require you to subscribe.) The problem with…
Insurance for Slander
Someone wants to know about the type of insurance that would cover you if you slander someone on the internet. Let’s start with the basics: slander is saying something falsehood about someone that causes them injury to their reputation. So,…
Workers Comp Insurance
John Garamendi, our state insurance commissioner, has requested that the state workers compenstaion rates be decreased by 15.3%. He previously sought rate decreases of 36.5%, but rates really only fell 26.8%. “They (insurance companies) are making whopping profits,” Garamendi said…