April 10, 2024
ramaticiinsCalifornia Gets Serious on Workplace Violence: New Law Enforces Prevention Plans and Training
California has taken a significant step towards protecting workers from violence in the workplace. Senate Bill 553, which goes into effect on July 1, 2024, requires most employers in the state to implement a comprehensive workplace violence prevention plan (WVPP) and provide annual training to employees. Why the New Law? Workplace violence is a significant […]
March 4, 2024
AgencyBuilders Risk Insurance: Understanding What’s Covered
Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known as course of construction insurance, such coverage can assist with various expenses that may result from property damage amid construction projects. Although specific coverage capabilities vary between insurers, a typical builders risk policy […]
September 20, 2023
AgencyUnderstanding Premium Audits
Audits can be daunting for businesses. An IRS or insurance audit or a vendor needing records can be a stressful experience. However, as long as you’re prepared, there is no need to dread an insurance premium audit. What Is a Premium Audit? The purpose of a premium audit—which is conducted by either your insurance […]
August 11, 2023
AgencyWildfire Preparedness Guide for Businesses
Presented by: Don Ramatici Insurance Wildfires are unplanned, uncontrolled and unpredictable fires resulting from lightning and human causes, such as campfires, downed utility wires and cigarette butts. Direct flames, radiant heat from nearby burning plants or structures, and flying embers from wildfires can pose risks to businesses, homes and people. Wildfires can have a profound […]
November 16, 2022
AgencyThe Right Insurance for Your Small Business
Every business, big and small, faces various risks every day. Some of these risks are minor nuisances, while others may threaten to halt operations. You can help combat the effects of these risks by equipping your business with the right insurance policy. For small businesses, there are three main options to protect your interests. […]
August 15, 2022
AgencyBeyond Basic Business Insurance: Your Need for Cyber Risk Mitigation
In today’s data-driven environment, businesses face more cyber risks than ever before. Cyber risk is a growing threat to all companies, regardless of size. A basic business owner’s policy may not include coverage for cyber threats. What Are Cyber Threats? The term cyber threat can apply to a variety of situations. In general, […]
June 15, 2022
AgencyHas Your Business Missed These Coverages?
Do you take the time to review your business insurance policy each year or do you simply sign the renewal notice? Everyone’s guilty of taking the easy way out at least once. But if you review your policy with an independent insurance agent, you may find that you’re missing some vital coverages, which you can […]