Wildfires can have significant impacts on insurance companies in California. In recent years, California has experienced devastating wildfires, resulting in large insurance claims and losses for insurers. As a result, some insurance companies have adjusted their underwriting practices, coverage options, and premiums for properties located in high-risk fire zones. Insurers may conduct thorough risk assessments and evaluate factors such as a property’s proximity to vegetation, historical fire patterns, defensible space measures, and access to fire protection services. This evaluation helps them ..read more

When embarking on a construction project, both property owners and developers face several risks that could potentially lead to financial losses. From thefts to natural disasters, any unexpected event can put your entire investment at risk. This is where Course of Construction Insurance comes in as a savior! Course of Construction Insurance provides coverage against these unforeseen events and helps mitigate the risks involved in construction projects. Here, we’ll explore the benefits of Course of Construction Insurance for property owners and builders alike. So, whether you’re constructing yo ..read more

When something goes wrong, it’s natural to panic and seek out the help of a professional. That’s why it’s so important to have general liability insurance in place—to protect you and your business from unforeseen and costly legal costs. And if you own a business, you should know that there are a myriad of factors to take into account when selecting this type of insurance. In this blog post, we will provide you with a comprehensive guide to understanding and selecting general liability insurance. What is General Liability Insurance? General liability insurance (GL) protects individuals and ..read more

As small businesses continue to grow in popularity, so too does the demand for insurance products that cater to their needs. Whether you’re just starting out or your business has been around for a while, you’ll want to take note of these options for buying small business insurance in 2023. In this blog post, we’ll introduce you to four of the best options available and explain what each one offers. We also want to remind you that not all insurance products are created equal – so be sure to read the fine print before making a purchase. What business insurance you need? Business insurance is an ..read more

Builder’s risk insurance is an important coverage for any homeowner or business owner. It can help to protect you from financial loss if something goes wrong during your construction project. In this blog post, we will discuss the key benefits of builder’s risk insurance and explain what you need to know in order to get coverage. We will also provide a few tips on how to reduce your risk and make sure you are taken care of in the event of a claim. What is Builder’s Risk Insurance? Builder’s Risk Insurance is a specialized type of property insurance that covers buildings and other structures un ..read more

This policy is totally unavoidable, especially in California. In order to rent a business space, one of the first steps you will go through is bringing a certificate of General Liability to a Landlord or Property Management Company.  You will not even start moving or signing lease agreement before you provide them with Certificate of your Commercial General Liability Insurance adding the name and address of Landlord into Certificate of Insurance as additional insured. What dose Generali Liability cover? Third party Bodily Injury Third Party property damage Product Liability Advertising I ..read more