Cannabis Delivery & Transportation Insurance

Cannabis Delivery & Transportation Insurance  The transportation of marijuana is a necessary part of the cannabis industry. From grow to extraction to testing to manufacturing to dispensary, or any combination there is a risk to all parties as the most valuable stage of the finished product is at risk to theft. As a result, dispensaries,…

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Workers’ Compensation Insurance

What Is Workers’ Compensation Insurance Coverage? Workers’ compensation insurance, also known as workman’s comp or workers’ comp, gives your employees benefits if they get injured or become ill from their job. These benefits can help: Cover their medical care and medical treatment Replace most of their lost wages if they take time off from work…

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Airbnb includes California cannabis farm in its offering, Wait…Is that legal?

Cannabis enthusiasts who love to travel must be thrilled for this California marijuana farm joining up with the one and only Airbnb. That’s right, the popular vacation home rental website has teamed up with Sonoma Hills Farm, including it in its offering, revealed Fox 11. Is this legal?  Well, technically it is, because guests are not allowed to access,…

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EPLI

What is employment practices liability insurance (EPLI)? EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing…

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EARTHQUAKE!!! Top 10 Misconceptions About Placing California Earthquake Insurance Coverage

Top 10 Misconceptions About Placing California Earthquake Insurance Coverage One of the biggest misconceptions regarding California Earthquake coverage is the widely held view that it is a straightforward and elective coverage. With the lowest frequency in the CAT space, this peril is the least tested and, as a result, often misunderstood. While frequency is minimal,…

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Cyber Attacks / Prevention Tactics

Cyber Attacks and Prevention Tactics: Worldwide cyber security spending will reach $133.7 billion by 2022 according to a Gartner Inc. prediction. Cyber attacks are growing increasingly sophisticated forcing organizations to invest heavily in developing strategies for preventing data breaches.  Cyber Crime Statistics: Spending, Costs and Causes. Half of large enterprises (over 10,000 employees ) spend…

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Umbrella Liability Insurance

Umbrella Liability Insurance  The following factors can increase the cost of umbrella liability insurance: Your business is open to the public and experiences lots of foot traffic, which increases the chance of a claim on your general liability policy.  You regularly handle customer property, which places you at risk of a property damage lawsuit. You…

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Commercial Truck Insurance

How Does Commercial Truck Insurance Work?   Similar to other forms of auto coverage, commercial truck insurance protects others in the form of bodily injury and property damage liability coverage if a truck driver is found responsible for an accident.  Commercial truck insurance can also offer other coverages, such as comprehensive and collision protection, cargo…

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Home Insurance

  3 Ways to insure the structure of your home: Understand the difference Replacement Cost:  Insurance that pays the policyholder the cost of replacing damaged property without deduction for depreciation, but limited to a maximum dollar amount. Extended Replacement Cost:  An extended replacement cost policy, one that covers costs up to a certain percentage over…

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Earthquake Insurance

Earthquake Insurance Earthquake insurance covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.  If you have a mortgage, you must have homeowners insurance. But you don’t have to buy earthquake insurance. Your homeowners insurance doesn’t cover earthquake damage (except fire).  The (3) parts…

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