Wednesday, December 26, 2018

Insurance Commissioner To Release Preliminary Insured Loss Figures For 2018 Wildfires



California Insurance Commissioner Dave Jones announces preliminary insured loss data from the Camp, Woolsey and Hill fires. Together, the 2018 fires damaged or destroyed nearly 20,000 structures and tragically claimed 88 lives. The Camp fire eclipsed the Tubbs fire of 2017 as the most destructive and deadly wildfire to hit California.

Thursday, December 20, 2018

Earthquakes



This is an earthquake of at least 5.5! At the mid-America earthquake center you can see what would happen if the ground beneath you started to shake! You might be surprised that so many things inside the home can be destroyed, even kill you, even though the structure of the home stays intact. "The risk of an earthquake is real" says Jeanne Salvatore, senior vice president, Insurance Information Institute. Earthquakes are not covered by homeowners insurance, you need separate insurance to cover earthquakes. The Institute for Business and Home Safety says there are easy and inexpensive steps you can take inside your home to make it safer. Anchor bookcases and filing cabinets to the wall. Install ledge barriers on shelves. Put heavy things lower. Harvy Ryland, President of the Institute for Business and Home Safety (www.ibhs.org) says earthquakes injure and kill people, destroy their homes and steal their jobs. The tragedy is that we know how to reduce injuries to families and their homes, and we are not doing it.

Friday, December 14, 2018

CalChamber CalChamber - Helping California Do Business 2019



The California Chamber of Commerce has been helping California do business for more than 125 years.

As a not-for-profit since 1890, CalChamber works to transform California's business landscape. Today, more than 50,000 businesses in the state rely on CalChamber for advocacy and labor law compliance.

CalChamber experts also produce HRCalifornia.com, the most trusted California labor law compliance site. Our experienced HR advisers at the Labor Law Helpline provide answers to your complicated HR questions.

The CalChamber Store has all the compliance tools you will need to meet your business and compliance needs – including required state, federal and local labor law posters and pamphlets, sexual harassment prevention training, reference guides, compliance seminars and webinars and an online employee handbook creator.

Saturday, December 8, 2018

Rental Car Insurance



Most car renters are covered by their own personal auto insurance, but exactly what is covered varies from company to company. Jan Armstrong of the American Car Rental Association says the simplest thing is to check your own personal insurance first, and if you don't feel comfortable interpreting your own insurance policy yourself, just call your agent who will be able to tell you if you have coverage while you are driving a rental car. Ken Elder of Thrifty Rental Car says that his company takes the riskiest drivers along with the best drivers, but they have no way of knowing which is which. The Insurance Information Institute says do your homework so that you will know what kind of insurance you already have and whether or not you need to purchase more at the rental car counter.

Sunday, December 2, 2018

How Does Contractor's General Liability Insurance Work?



Contractors' general liability insurance policies are typically designed to work in a very specific way. Find out about how contractor's general liability insurance policies work with help from an insurance professional in this free video clip.

Thursday, November 29, 2018

HIGHLIGHT CLIP - Practical Public Education: Making NFPA Resources Work in YOUR Community



Denise Hynes works in the fifth largest fire department in North America, in one of the most diverse cities in the world, and serves a population of nearly three million residents. Learn how she has developed workshops, prop kits and safety events using NFPA resources to reach community members from preschool to older adults that educators can implement in their communities. She will be joined by Laura King, Public Education Representative-Canada, for NFPA

Monday, November 26, 2018

CalChamber Capitol News Report Highlights New Laws for 2019



CalChamber is featuring three new 2019 laws in its latest version of Capitol News Report. The video provides details about expansion of sexual harassment prevention training requirements and the need to provide lactation accommodations in the workplace as well as providing information about a mandate requiring that women be placed on corporate boards.

Tuesday, November 20, 2018

Does The Code Require Inventory Of All Sprinklers In My Health Care Facility?



Jon Hart answers a live audience question from his NFPA Live talk on maintaining Fire Protection Systems for Health Care Facilities. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Saturday, November 17, 2018

10 Thanksgiving Recipes



Here are 10 delicious recipes that you can choose from to share with your family and friends for a perfect Thanksgiving dinner.

Sunday, November 11, 2018

What is the NFPA 101 handbook?



The NFPA 101: Life Safety Code Handbook is an essential tool that combines full code text with expert commentary and over 750 visual references, to help you comply the first time and avoid costly mistakes, violations and job delays.

Thursday, November 8, 2018

The Philip L. De Camara, Jr. Scholarship Program



Each year, the Center for Life Safety Education (CLSE) and AFSA come together to award the Philip L. DeCa¬mara, Jr. Scholarship, established to honor a man who was dedicated to the fire sprinkler industry. Established in 1984, the Phillip L. De Camara, Jr. Scholarship awards $7,000 to two exceptional students studying fire protection engineering at the University of Maryland in College Park, De Camara’s alma mater. The scholarship is funded through donations by individuals and companies. To find out more about the program or to support the scholarship with your tax-deductible donation, visit CLSE.org/scholarships.

Monday, November 5, 2018

What Is Small Business Auto Insurance? : Auto Insurance Tips



Small business auto insurance is really very similar to the type of personal auto insurance that you have for your car. Learn about small business auto insurance with help from an insurance expert in this free video clip.

Friday, November 2, 2018

Informed Citizen: Auto Insurance



The Informed Citizen explains the different types of auto insurance coverages and how to choose an insurance company.

Tuesday, October 30, 2018

Saturday, October 27, 2018

Advice from Dummies: Smart Auto Insurance Tips



Kirk has an auto accident and Crystal tells him how to smartly save money on his insurance in the future.

Wednesday, October 24, 2018

Foam Application for High Hazard Flammable Train



This is a highlight clip from the Foam Application for High Hazard Flammable Train (HHFT) Fires Webinar.

Sunday, October 21, 2018

I'm A Building Owner, What Can I Do Myself That NFPA 25 Requires?



Chad Duffy answers a live audience question from his NFPA Live talk on understanding the automated inspection and testing provision in NFPA 25. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Friday, October 12, 2018

Tuesday, October 9, 2018

OFFICIALS MARK 150TH ANNIVERSARY OF THE 1868 QUAKE AND ANNOUNCE FEMA FUNDS FOR EARTHQUAKE RETROFITS



Marking the upcoming 150th Anniversary of the 1868 Hayward Quake, one of the most destructive in state history, USGS will share critical research about the Hayward Fault and earthquake hazards in the East Bay.

With new FEMA funding, EBB will offer $3,000 for code-compliant retrofit grants to even more California homeowners in high-risk areas to protect their families and reduce earthquake damage. EBB is expanding to include 76 additional ZIP Codes (for a total of 255). Online registration will be open October 9 through November 13.

Saturday, October 6, 2018

Understanding Trees And Insurance



Lynne McChristian, Florida Representative of the I.I.I., gives a simple breakdown of how trees are covered by homeowners insurance and also instructs homeowners on how to properly inspect and maintain their trees in preparation for hurricane season.

Wednesday, October 3, 2018

If Your Home Doesn't Ignite It Can't Burn



Fire scientist Dr. Jack Cohen of the USDA Forest Service helps you live less dangerously from wildfire with tips about how to prepare your home to resist flames and embers. Remember, it’s the little things that can burn your home!

Sunday, September 30, 2018

Insurance Commissioner Releases First Insurance Loss Data For 2018 Wildfires



California Insurance Commissioner Dave Jones releases the first data on the total insurance claims reported for residential and commercial losses following the Carr and Mendocino Complex wildfires. Commissioner Jones will also release updated data for the 2017 California wildfires and 2018 mudslides.

Monday, September 24, 2018

The i's on Insurance: Auto Coverage: You're in the Driver's Seat



Car Insurance is something every driver needs, but how much do you really know about your auto coverage? '

Saturday, September 15, 2018

What Items Should A School Be Required To Include In Their Emergency Action Plan?



Most students have now returned to school for a new year. They probably don't think of the fire safety requirements that impact their return to school or how the Fire Code plays a critical role in helping to ensure their safety throughout the year. However, those requirements which impact students on a daily basis are vast.
This NFPA Live session will cover the topics of furnishing and contents, fire department access, food trucks, laboratories, and fire drills. The discussion will focus on these provisions as they relate to NFPA 1, Fire Code.

Wednesday, September 12, 2018

Four Key Ways To Prepare For A Disaster



Jeanne Salvatore of the Insurance Information Institute http://www.iii.org giving four key ways to prepare for a disaster. First, review your insurance and make sure you have enough and the right type of insurance--especially flood insurance. Second, take a home inventory so you know the value of your belongings and as a way to help the claims process should you suffer a loss. Third, have a disaster plan and know where you're going and how you will get there if you need to evacuate. Finally, make your home more disaster resistant by securing the structure and removing any potential threats like dangerous trees.

Sunday, September 9, 2018

Insurance Commissioner Releases First Insurance Loss Data For 2018 Wildfires



California Insurance Commissioner Dave Jones releases the first data on the total insurance claims reported for residential and commercial losses following the Carr and Mendocino Complex wildfires. Commissioner Jones will also release updated data for the 2017 California wildfires and 2018 mudslides.

Thursday, September 6, 2018

About Contractors' General Liability Insurance



Contractors' general liability insurance varies depending on the level of jobs that you do. Find out about contractors' general liability insurance with help from a business consultant in this free video clip.

Monday, September 3, 2018

Officials Warn Young Drivers At Higher Risk For Collisions Over Labor Day Holiday



The Labor Day holiday weekend is coming up, part of the 100 Deadliest Days (the days between Memorial Day and Labor Day) behind the wheel for teens and young adults. With the legalization of recreational cannabis and national data showing drugged driving on the rise, it is a critical time to discuss the dangers of impaired driving of any kind and to enhance efforts to reduce impaired-driver arrests, traffic collisions and fatalities. The California Department of Insurance, CHP, Ford, AAA, PCIAA, and III are continuing its statewide safety campaign with an experience in impaired driving as young drivers suit up in Ford Motor Company’s Drugged Driving Suit, which simulates being under the influence of marijuana, and attempts driving on a controlled course. Leaders in law enforcement, insurance and safety will be on-hand to discuss the effects of impairment on a driver’s ability to operate a vehicle safely and the consequences for drivers arrested for impaired driving.

Friday, August 31, 2018

Bill Limiting Use Of Settlement/Arbitration Agreements On Governor’s Desk



A California Chamber of Commerce-opposed job killer bill to limit the use of settlement agreements and arbitration agreements for labor and employment claims has passed the Senate and is on its way to the Governor.

Tuesday, August 28, 2018

Car Insurance Explained, & What To Do After A Car Accident!



In which we discuss car insurance: how it works, how to get cheap car insurance and quotes, and exactly what you should do after a car accident!

Saturday, August 25, 2018

CSLB Committee Meetings August 3, 2018



CSLB Committee Meetings August 3, 2018

Executive, Enforcement, Legislative, Licensing, & Public Affairs

Wednesday, August 22, 2018

Avoiding Insurance Mistakes: Five Tips



Five big mistakes to avoid when making decisions about your insurance. I.I.I. offers tips on how to save money and still properly protect yourself.

Sunday, August 19, 2018

Insurance For The Small Business Owner



From the Insurance Information Institute http://www.iii.org. A Business Owner Policy, or BOP, may be what you need as a small business owner. A BOP covers your business for property and liability and helps keep your assets safe.

Thursday, August 16, 2018

How To Determine If I Should Buy Full Coverage Or Liability Car Insurance



Whether or not you should buy full coverage car liability insurance depends on a few distinct things. Determine if you should buy full coverage car insurance liability coverage with help from an insurance broker with more than 15 years experience in this free video clip.

Monday, August 13, 2018

What Is NFPA's Stance On Barricade Type Products On Fire Doors In Egress And Non-Egress Openings?



Robert Solomon answers a live audience question from his NFPA Live talk on Building Safety and Security: Future Adaptability in Codes; Flexibility in Compliance. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Friday, August 10, 2018

Tuesday, August 7, 2018

A World Without Insurance: How Insurance Powers The Economy



Have you ever wondered what the world would be like without insurance? We think it’s safe to say that life would be a lot different and probably a lot less exciting. And this is why the insurance industry is honored to play a vital role in building a stronger economy. Watch to learn how the more than 2.6 million people employed by the industry are helping to make our world safer, more prosperous, more innovative and more resilient--every day of the year.

Saturday, August 4, 2018

CSLB Committee Meetings August 3, 2018



CSLB Committee Meetings August 3, 2018

Executive, Enforcement, Legislative, Licensing, & Public Affairs

Wednesday, August 1, 2018

Sunday, July 29, 2018

Enough Insurance



It's a homeowner's worst nightmare, a house fire or a fierce flood comes through and leaves your house in ruin. It happened to Tom Stobbs. "It somehow came down the culvert." Luckily, he had made it a habit to update his homeowners' insurance. So, he was prepared when wildfires whipped through his neighborhood. "About every 24 months I get on the phone with the agent and say here's the deal, I want to make sure I'm covered. He said you're covered. And I was." Unfortunately, some homeowners find that when disaster strikes they are underinsured. The cost of rebuilding their home is more than the value of their insurance policy. This means they have to come up with cash to rebuild their home to the way it was before. Homeowners need to remember that it is their responsibility to have enough insurance coverage. A regular conversation with their insurance agent or company is very important. Jeanne Salvatore, Senior Vice President, Insurance Information Institute says, "The three most important questions to ask your agent are: do I have enough insurance to rebuild my home if it's destroyed. Do I have enough insurance to replace my personal property if it's destroyed? And do I have enough insurance to protect my assets if I'm sued." People find themselves underinsured for two reasons: they have renovated their home, built a nice addition that added value to their home, but they didn't buy more insurance to cover it. Or they live where construction costs are very high. When a fire or other disaster destroys their home they find they don't have enough insurance coverage to rebuild. The Insurance Information Institute recommends you work with an independent appraiser, then review your policy to make sure it reflects current construction costs. Candysse Miller of the Insurance Information Network of California says it's critically important that you take a look at your policy every year. Call your insurance agent and make sure that your policy will keep up with you and your home."

Thursday, July 26, 2018

CSLB Senior Scam Stopper Seminars



Our Senior Scam Stopper seminars have been offered throughout the state since 1999 in cooperation with legislators, state and local agencies, law enforcement, district attorneys, and community-based organizations.

Visit www.SeniorScamStopper.com for more information and for a schedule of upcoming events.

Friday, July 20, 2018

A World Without Insurance: Financial First Responders



Have you ever wondered what the world would be like without insurance? We think it’s safe to say that life would be a lot different and probably a lot less exciting. And this is why the insurance industry is honored to play a vital role in building a stronger economy. Watch to learn how the insurance industry is a financial first responder to disasters that happen across the globe.

Tuesday, July 17, 2018

A World Without Insurance Short



Have you ever wondered what the world would be like without insurance? We think it’s safe to say that life would be a lot different and probably a lot less exciting. And this is why the insurance industry is honored to play a vital role in building a stronger economy.

Saturday, July 14, 2018

IBS 2019: February 19-21



Summer goes by even faster when you’re busy preparing for the 2019 NAHB International Builders’ Show! Registration opens in 60 days on September 4.

Wednesday, July 11, 2018

Types Of Business Insurance Coverage : Business Insurance Tips



There are a few main types of business insurance coverage for you to choose from. Learn about the types of business insurance coverage with help from the president of A.L. Saland Insurance Solutions in this free video clip.

Sunday, July 8, 2018

Thursday, July 5, 2018

Types Of Liability Insurance For Contractors



The types of liability insurance for contractors cover workers injuries, business equipment and more. Learn about the many types of liability insurance for contractors with help from a business consultant and marketing expert who has owned a wholesale and retail business in this free video clip.

Monday, July 2, 2018

Important Fireworks Safety Tips To Know Before July Fourth | TODAY



Ahead of the Fourth of July, NBC’s Tom Costello joins TODAY from Washington, D.C., to give tips on ensuring your festivities are safe. Last year, eight people were killed and thousands were injured in fireworks-related incidents.

Friday, June 29, 2018

About Commercial Truck Insurance : Commercial Insurance Tips



Commercial truck insurance is designed to protect vehicles used for business. Learn about commercial truck insurance with help from a longtime insurance professional in this free video clip.

Tuesday, June 26, 2018

CalChamber - Helping California Do Business



The California Chamber of Commerce has been helping California do business for more than 125 years.

As a not-for-profit since 1890, CalChamber works to transform California's business landscape. Today, more than 50,000 businesses in the state rely on CalChamber for advocacy and labor law compliance.

CalChamber experts also produce HRCalifornia.com, the most trusted California labor law compliance site. Our experienced HR advisers at the Labor Law Helpline provide answers to your complicated HR questions.

The CalChamber Store has all the compliance tools you will need to meet your business and compliance needs – including required state, federal and local labor law posters and pamphlets, sexual harassment prevention training, reference guides, compliance seminars and webinars and an online employee handbook creator.

Saturday, June 23, 2018

The i's On Insurance: [Not So Risky] Business



Being an entrepreneur makes you the boss! But along with getting to choose your own hours, location, and business plan, it also means that you're responsible for a lot of other things, like commercial business insurance. There's a lot more to business insurance than getting the lowest business insurance quotes. It means understanding your business's unique needs and the potential hazards that can threaten its success.

Thursday, June 14, 2018

Commissioner Jones Announces Legal Action Against Life Insurers To Protect 50,000 Policyholders



The California Department of Insurance is taking legal action against Accordia Life and Annuity Company and Athene Annuity and Life Company for failing to service over 50,000 policies issued to California consumers and imperiling the benefits to which consumers are entitled.

Monday, June 11, 2018

The 2019 New American Home: Phase 1



The 2019 New American Home is being built in the most unique development in the Las Vegas Valley. Learn how the landscape and amazing, panoramic view of the Las Vegas Strip will be incorporated into the design of the home.

Friday, June 8, 2018

As Summer Begins, Officials Warn Young Drivers At Higher Risk For Collisions



As the graduation season and summer begins, we are entering the 100 Deadliest Days (the days between Memorial Day and Labor Day) behind the wheel for teens and young adults. With the legalization of recreational cannabis and national data showing drugged driving on the rise, the start of summer is a critical time to discuss the dangers of impaired driving of any kind and to enhance efforts to reduce impaired-driver arrests, traffic collisions and fatalities.

Commissioner Dave Jones, CHP, Ford, Impact Teen Drivers, PCIAA, and III are kicking off the 100 Deadliest Days with a statewide safety campaign with an experience in impaired driving as young drivers suit up in Ford Motor Company’s Drugged Driving Suit, which simulates being under the influence of marijuana, and attempt driving on a controlled course. Leaders in law enforcement, insurance and safety will be on hand to discuss the effects of impairment on a driver’s ability to operate a vehicle safely and the consequences for drivers arrested for impaired driving.

Tuesday, June 5, 2018

Election Year Voter Attitudes - Single Payer Health Care and Proposition 13



Robert Green, Principal, PSB, discusses voter attitudes on home ownership at the 2018 CalChamber Capitol Summit on May 23, 2018.

Saturday, June 2, 2018

It’s a Big World. Let’s Protect It Together.



We believe that only by working together can those of us whose work affects the safety of others — from electricians to engineers to first responders — build a network of intelligence to keep our increasingly complex world safe. NFPA is committed to leading this charge, working tirelessly with tradespeople and professionals to stay ahead of problems and to create real-time solutions to prevent loss to life and property.”

Wednesday, May 30, 2018

SB 1300 - Removes Legal Standing and Prohibits Release of Claims



CalChamber Policy Advocate Laura E. Curtis provides the latest information on SB 1300 at the CalChamber Capitol Summit on May 23, 2018.

Sunday, May 27, 2018

What Is Construction Insurance? : Basic Insurance Advice



Construction insurance is designed to cover the activities on a construction site. Find out about construction insurance with help from a longtime member of the professional banking and insurance industries in this free video clip.

Thursday, May 24, 2018

About Commercial Truck Insurance : Commercial Insurance Tips



Commercial truck insurance is designed to protect vehicles used for business. Learn about commercial truck insurance with help from a longtime insurance professional in this free video clip.

Monday, May 21, 2018

Prevent Senior Scams: Experts & Resources to Protect Older Adults and Families



California Insurance Commissioner Dave Jones speaks about insurance scams throughout California with seniors as the target and how they can protect themselves. Live event broadcast from Holman United Methodist Church in Los Angeles, CA.

Friday, May 18, 2018

The Next 75 Years



For 75 years, NFIB has stood proudly by America’s trailblazers – and we’ll continue to do that and more for the next 75 years.

Saturday, May 12, 2018

Construction Insurance Requirements : Insurance Basics



Requirements for construction insurance have risen in recent years due to concerns about liability. Learn about construction insurance requirements with help from a fee-based insurance and risk management consultant in this free video clip.

Wednesday, May 9, 2018

Where Should A Carbon Monoxide Detector Be Mounted?



Dick Roux answers a live audience question from his NFPA Live talk on NFPA 72 and installation of CO detection and warning equipment.

Sunday, May 6, 2018

Overview Of Homeowner's Insurance



Homeowners Insurance is a very complex but important aspect of owning a home. Actual laws and policies differ from state to state, but I will give basic details, applicable to most policies. Specifics for your state and area can be determined from a licensed agent. If you are just renting a home, you would need renters insurance while there are also different mobile home insurance and vacation home insurance policies, basically similar in concept but with extra wording applicable to those types of risk. Any standard homeowner insurance policy will cover damage to the structure and personal possessions, up to a limit specified in the policy, caused by the following perils: storms (wind, hail, rain, and snow) and tornadoes, fire, and lightning.
PLEASE NOTE: Homeowners in high-risk states (Alabama, Florida, Louisiana, Mississippi, North Carolina, South Carolina, and Texas) need to buy special Windstorm Insurance for protection against tornado, hurricane, hail and flood damage. This coverage is not available on a standard homeowner insurance policy and is more expensive. Earthquake insurance in California is also a separate and more expensive ($800 - $1600 per year premium) policy.
Components of Homeowners Insurance
The liability portion (coverage E) protects the homeowner against accidents or events that occur on the covered property. With this protection, the homeowner is protected from lawsuits that result from these events. Note that this coverage does not cover the transfer of disease nor does it cover issues that arise from the exchange of drugs and controlled substances.
The property portion of the contract protects the homeowner against loss due to fires, theft, and minor weather damage. It is important to note that most times major weather damage is not included in standard contracts. Insureds who live in areas that are prone to natural disaster should be advised to purchase extra protection to cover those risks. Flood, earthquake, hurricane, and tornado damage are not necessarily covered in standard contracts, so make sure to take precautions based on where you reside.
Additionally, liability insurance covering injury or damage to members of the public or the property caused by an accident on your property is also covered, up to specified limits, as well as loss of use, due to downtime while repairs are being made.
SMART TIP
You should make sure that the coverage limits in your policy contract are high enough to cover complete replacement as well as other expenses in case of a disaster. A licensed home insurance agent will be able to advise you fully.
Insurance riders and exclusions
There can also be riders and exclusions attached to a policy. Insurance Riders give coverage for items that are not normally covered or they can raise the standard limits of coverage. Exclusions do just what they say which is excluding specified items or risks from coverage. Flood and earthquake damage is excluded from a standard policy, therefore you would need to purchase the extra cover for these risks.
In addition, If you operate a business from home or work from home you will need additional cover forage work-related risks, such as people coming to see you on business. Expensive jewelry or other items of high worth will need to be specified in a rider against damage or loss, for an additional premium. Otherwise, there is a limit of coverage on jewelry, antiques and electronic equipment. If standard limits of cover are inadequate to cover your belongings, then you will need to have them increased.
SMART TIP:
Be sure that the loss or damage is covered at replacement cost, not actual cash value. It costs more, but the actual cash value may be well below what it costs to replace an item (think what it costs new vs. what you can sell it for). Get it right up front and don't fight about it later.
A good tip for any homeowner is to read your policy carefully and make a brief summary of what is covered and what is excluded under your policy, as well as what action you might need to take and what time limits you have for reporting incidents. Ask a licensed professional for help if there is anything you don't quite understand the wording. This summary will help if something happens and you need to take quick action in case of an emergency. Make the effort up front and save yourself a heap of trouble later, particularly if you know that your area is prone to various issues.
If our house caught on fire can I file a claim on my homeowner's insurance?
Under a standard insurance policy, the fire hazard is certainly covered. Your only responsibility for filling the claim is your deductible, which is usually between $500 to $1000 and pales in comparison to the damage amount. Other than that, your insurance carrier will usually even provide you with a place to stay while your house is being repaired. Your homeowner's insurance will take care of your family's daily expenses, up to a certain limit until your home is repaired.
Someone broke into our house and took all my expensive jewelry, can we claim that to our homeowner's insurance?
Theft is also covered under homeowners insurance policies all be replace by your homeowner's insurance policy. This is a primary example why you should make sure you have adequate coverage limits on your policy. Having adequate limits means that you are properly compensated for the value of your belongings.
What do we need to provide when filing a claim with our homeowner's insurance?
When you file a claim, you will need to coordinate with your insurance agent and they will turn over your claim to their insurance adjuster. You will need to provide your adjuster a copy of the police report and the list of all your personal belongings that are missing. You will also need to make sure that you have copies of your file. Your insurance adjuster will process your claim and they will make sure to get back to you within the next few days and settle the entire claim.
Homeowners insurance is one of the most important aspects of owning a home. It is the one sure way to maintain some stability should you run into a rough time.


Article Source: http://EzineArticles.com/6862420

Thursday, May 3, 2018

What Is General Liability Insurance?



General Liability Insurance is something small businesses may need. Often it is requested by a customer (or the company hiring you as a contractor).

General liability insurance is designed to cover any loss (damage) that may result from an accident caused by you while you are working in someone else's place of business.

Proof of General Liability insurance is conveyed on an "Acord" form. This is a form that they insurance company will make. This is not a form that you get to fill-out.

Your customer will want to be listed as a "Certificate Holder". And, they might also ask to be an "Additional Insured". Each Acord form is made individually for each requesting customer (your customer).

The insurance premiums will vary widely depending on the type of business. The greater the risk, then the higher the premium.

Business General liability insurance is NOT the same as Errors and Omissions insurance. People sometimes get these confused but they are very different things.

Monday, April 30, 2018

California Leaders Urge Legislature To Adopt Bills To Protect Wildfire Survivors



California Insurance Commissioner Dave Jones, Senator Bill Dodd, and Senator Mike McGuire are standing up for consumers and calling on the legislature to support three proposed bills designed to strengthen consumer protections for wildfire survivors making insurance claims who struggle to recover, rebuild, and move forward. SB 894 (Dodd), SB 897 (McGuire) and SB 1291 (Dodd) would bring much-needed relief for consumers and reforms to the insurance industry.

Friday, April 27, 2018

Car Insurance: Full Coverage Defined : Car Insurance



Full coverage car insurance is typically designed to operate in a very particular way. Learn about full coverage car insurance with help from an independent insurance broker in this free video clip.

Tuesday, April 24, 2018

Contractor's Insurance Requirements : Insurance Information



There are a few specific requirements that you're going to have to meet if you want to obtain contractors insurance. Learn about contractors insurance requirements with help from an insurance professional in this free video clip.

Saturday, April 21, 2018

Do I Need A Permit For Every Hot Work Job?



Guy Colonna and Laura Moreno answers a live audience question from their NFPA Live talk on what you need to know about hot works safety. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Wednesday, April 18, 2018

How To Get Lower Rates On Teen Car Insurance : Auto Insurance



Just because your teen has car insurance doesn't mean that insurance will be sky high. Get lower rates on teen car insurance with help from a fee-based insurance and risk management consultant in this free video clip.

Sunday, April 15, 2018

Five Ways To Save Money On Auto Insurance



A simple guide to help you save money on insurance in easy ways.

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at http://www.iii.org

Thursday, April 12, 2018

Will The Disconnect On The Outside Of The House Cause Issues If The Breaker Trips In The Wintertime?



Derek Vigstol answers a live audience question from his NFPA Live talk on highlights from the 2020 NEC first draft meeting. Become an NFPA member to see the exclusive videos and ask questions of our technical experts.

Monday, April 9, 2018

Different Types Of Truck Insurance


Many truck drivers on the road today are independent contractors, working for a number of different distributors and protecting their own interests as a driver. As an independent contractor, insurance is an important factor. Providing the proper insurance for your truck, equipment, and cargo in the event of an accident is crucial to being sure your investments of time and money are protected. Accidents happen, even to experienced drivers, and the damage that a large truck can cause can be extensive and costly.
There are different types of insurance that a commercial vehicle must consider that most drivers of passenger vehicles are unaware of. Because a large truck driver may be responsible for hauling someone else's property, there are added risks associated with these practices.
Truck drivers can be insured for primary liability which would cover an accident on the road. This type of coverage is similar to the coverage provided to every insured driver on the road. Liability insurance also covers the damages done to other people, property, or other vehicles. Both of these types of insurance are often applied to passenger vehicles.
Cargo insurance and non-trucking insurance policies are more specific to large trucks that are hauling products. Cargo insurance provides coverage for materials being hauled by a driver, even if they are not the property of the driver. Non-trucking insurance covers an incident that may occur with a large truck that is not associated with hauling activities. This insurance may cover any damage associated with loading or unloading cargo.


Article Source: http://EzineArticles.com/5197871

Friday, April 6, 2018

Why Contractors Insurance?


Insurance is obviously a very important commodity in life, and for the modern day professional, it is essential. Professional/Business insurance is vital in the fast-paced, often high-risk commercial sphere, and it takes understanding its benefits to fully appreciate its importance.

Business Insurance comes in many forms depending on circumstance and situation, and each cover policy is designed with an area of professional risk in mind.

Contractor insurance specifically is small business insurance designed for those who are classed as contractors and work from a contract to contract basis.

Contractors are skilled professionals who are not under direct employment by any company or firm and instead work via their own limited companies. Although a contractor may be working for a firm or company, they are not employees, rather hired hands on behalf of their limited companies who will have agreed to a prior working contract (6 months / a year for example).

Contractors fundamentally are self-employed and work for themselves. As well as certain benefits that come with being a one-man company hired within a larger firm, the largest advantage that contractors have is that their tax bracket is far lower than that of an average employee, thus making their take-home pay considerably more.

Contractors are able to earn up to 25% more than the average worker due to a much lower tax bracket. This is because contractors work for their own limited companies, therefore, do not fall under the typically taxed payroll of an employee. This amount of freedom does, however, come with downsides, as being your own boss means that you are not covered with sick pay, health benefits or welfares that large cooperate businesses offer, and that is where the benefits of contractor insurance become apparent. Contractor Insurance provides the relevant and helpful protective cover to any contractor or freelancer.

Contractors protect themselves with appropriate Contractor Insurance. It can be extremely useful if mistakes are made throughout the course of a contract, or if misfortune such as accidents or illness occurs.

Without the proper insurance, tax investigations, negligence claims, illness and much more would be an extremely costly and harsh process. Insurance for contractors is designed in a way in which a contractor is covered both for all costs and efforts should any claims occur or legal action (IR35 for example) is taken against the contractor.

As a professional, insurance is obviously important, but as contractors are practically self-employed, their high-risk position makes the need for specific insurance far greater. Contractor insurances range from Professional Indemnity Insurance, a policy designed to protect a contractor in any case of claims of negligence being made against them, to full IR35 insurance, a must have policy for any secure contractor.

Not all contractor insurance policies will be necessary to all areas of expertise, but most apply across the board and provide benefits to a vast number of contracting professions.



Article Source: http://EzineArticles.com/7288219

Tuesday, April 3, 2018

Insurance Commissioner Jones Announces Losses From Montecito Mudslides



California Insurance Commissioner Dave Jones announces first data on insurance claims from Montecito mudslides losses where tons of mud and boulders tore through neighborhoods destroying and damaging more than 400 homes and businesses and tragically killing 21 people.

Saturday, March 31, 2018

Sunday, March 25, 2018

Advice From Dummies: Smartly Saving Money On Homeowners Insurance



Crystal tells Kirk how to smartly save money on his homeowner's insurance and avoid the mistake of insuring for the real estate value.

Thursday, March 22, 2018

Driving With Trucks



Everyone knows that trucks drive differently than cars, but few know how to drive safely along side of a truck. Brian O'Neil, former president of the Insurance Institute for Highway Safety says in crashes between cars and trucks, the consequences for cars is often catastrophic. The Insurance Information Institute urges drivers to use car passing a truck, know where the blind spots are. Phyllis Schenberg, Government Accountability Office, says there were half a million crashes involving trucks in 1997 and 5,000 fatalities. Remember: The larger the truck, the bigger the blind spot and the more room they need to stop or turn.

Monday, March 19, 2018

Informed Citizen: Homeowners Insurance



There are many parts to a typical homeowners insurance policy and it's important to understand them all. The Informed Citizen interviews two homeowners to see what they know and is here to help make sure you are covered.

Friday, March 16, 2018

Tuesday, March 13, 2018

How Does Car Insurance Work? : Auto Insurance



Car insurance is designed to protect the policyholder in the event of a number of different situations. Find out about how car insurance works with help from a top insurance lawyer in this free video clip.

Saturday, March 10, 2018

Informed Citizen: Auto Insurance



The Informed Citizen explains about the different types of auto insurance coverages and how to choose and insurance company.

Sunday, March 4, 2018

What An Earthquake Is Like



This is an earthquake of at least 5.5! At the mid-America earthquake center, you can see what would happen if the ground beneath you started to shake! You might be surprised that so many things inside the home can be destroyed, even kill you, even though the structure of the home stays intact. "The risk of an earthquake is real," says Jeanne Salvatore, senior vice president, Insurance Information Institute. Earthquakes are not covered by homeowners insurance, you need separate insurance to cover earthquakes. The Institute for Business and Home Safety says there are easy and inexpensive steps you can take inside your home to make it safer. Anchor bookcases and filing cabinets to the wall. Install ledge barriers on shelves. Put heavy things lower. Harvey Ryland, President of the Institute for Business and Home Safety (www.ibhs.org) says earthquakes injure and kill people, destroy their homes and steal their jobs. The tragedy is that we know how to reduce injuries to families and their homes, and we are not doing it.

Thursday, March 1, 2018

Monday, February 26, 2018

Tuesday, February 20, 2018

General Liability Insurance vs. Umbrella : Liability Insurance



General liability insurance and umbrella liability both have their fair share of pros and cons. Find out about general liability insurance versus umbrella liability insurance with help from an experienced insurance professional in this free video clip.

Saturday, February 17, 2018

We Are Working For Contractors


Welcome contractors and thank you for the opportunity to earn your business. We have made serving small to medium size businesses our first priority since opening our doors in 1997. Today, thousands of satisfied clients trust us with the coverage they need and rely on us for the service they want.
We earn our reputation by providing what you want and then going beyond to deliver the unexpected. Here’s what you get: First, you are handed your own dedicated support team made of licensed pros who really know construction coverage. Next, you get our fully-staffed certificate department at the ready. After that, anytime you need us you have the most highly-experienced group of specialty insurance people in the business. Wrapping it all up, you get a guarantee that puts in writing that you will continue to get this service all the time.
With us, you get the specialist in the field. The best. You usually expect to pay more for this level of service, but the people we serve happily report that our premiums are actually better. And, of course, no one else has the huge advantage of our experienced service and our written guarantee on top of it all.

Remember, with us, it’s more than a slogan, we are Working for Contractors™.

Wednesday, February 14, 2018

How To Decorate Cookies For Valentine's Day



This year I decided to keep things simple with my Valentine’s Day cookies. I used only flood consistency royal icing and a round decorating tip 2. This is unlike my Valentine’s Day cookies from past years, which have involved many icing consistencies, colors, decorating tips and even some fondant!

Sunday, February 11, 2018

Thursday, February 8, 2018

Contractors Insurance Protects Your Business


General contractors call the shots in most construction projects, taking the lead in all important operations including coordinating subcontractors, supervising job sites, and many other responsibilities to ensure projects stay on time and within budget. The many risks involved with leading these projects makes contractors insurance essential to protect the business against losses that may result from a lawsuit.

One of the common misconceptions of contractors insurance is that it only applies to general contractors. But subcontractors such as carpenters, roofers, landscapers, masons, electricians, plumbers, and other trades are all liable as well. Since they are often involved in complex business relationships, contractors need to be able to rely on an insurance company that has their best interests in mind.

Most contractors understand the common risks of construction projects, such as injury to subcontractors, not being paid on time, not adhering to timeframe agreements, and other risks that should be considered when drafting the general construction agreement. A contractor's insurance policy may include provisions for issues such as negligence and workplace safety.

Speaking of contracts, all contractors should carefully read every contract and even ask their attorney to review the agreement before they sign on the dotted line. Depending on the size and length of the project, certain clauses can hold hidden fees and liabilities for which the contractor is unclear. This oversight can ultimately result in a situation that isn't covered by contractors insurance and therefore becomes out-of-pocket costs that can seriously damage a business.

Whether you're a contractor or subcontractor researching business insurance, coverage typically involves general liability, commercial automobiles, workers compensation, builder's risk, tools and equipment, bonds commercial umbrella, and employee benefits.

Remember to keep the following risks in mind when you speak with your contractor's insurance company:

• Defective products: As a general contractor, you're responsible for all of the work performed by your subcontractors. So, what if, for example, your electrical subcontractor installs a kitchen light that catches fire and burns part of the ceiling? The manufacturer is ultimately responsible, but both you and the electrician will also likely be included in a costly lawsuit.

• Construction contracts: Everyone enters into a contract with the best intentions. But when things go wrong, fingers start pointing. As a contractor, you should make sure that the contract is reviewed by a lawyer to make sure your business has the right insurance for each and every job.

• Litigation costs: Whether you're a sole proprietor performing general remodeling, a specialty tradesman or anyone in between, you need to protect yourself from litigation by having a policy with an insurance company that has your best interests in mind.



Article Source: http://EzineArticles.com/7204077

Monday, February 5, 2018

California Department Of Insurance Host Workshop For Consumers Impacted By Montecito Wildfires



Insurance Commissioner Dave Jones and the California Department of Insurance (CDI) host an informative insurance workshop for consumers impacted by the recent wildfires to speak one-on-one with a CDI representative with regard to any insurance questions or concerns. Location: Santa Barbara City College, Fé Bland Forum Business/Communication Center, 721 Cliff Drive Santa Barbara, CA

Friday, February 2, 2018

Regulatory Rollback Means Big Savings For Small Business



A by-the-numbers look at key regulations that have been repealed or delayed in the first six months of the Trump Administration, and how much money has been saved for small business.

Tuesday, January 30, 2018

Insurance Commissioner And FEMA Discuss Protection From Increased Flood Risks After Fires



The Thomas Fire and other large wildfires can significantly increase flood risks over months or years, as evident from the flooding, mudflows and debris flow that affected Santa Barbara County earlier this month. Roy Wright, FEMA Deputy Associate Administrator for Insurance and Mitigation, California Insurance Commissioner Dave Jones, and Tom Fayram, Deputy Director, Santa Barbara County Public Works Department, will participate in flood insurance claim reviews and be available to discuss how southern California residents can protect themselves financially from flooding after fires.

Saturday, January 27, 2018

The i's On Insurance: Your Homeowners Coverage



The Insurance Information Institute http://www.iii.org is all about helping consumers understand 'what insurance is and how it works.' If you're a homeowner or are considering buying a home, you'll want to know the basics of homeowners insurance. "The I's on Insurance: Your Homeowners Coverage" explains what most policies cover (and don't cover). Watch and learn about liability, additional living expenses and other coverages in your insurance policy. And discover that protecting your family's home and belongings with a policy that balances your needs and budget doesn't have to be a chore.

See Insurance Through the I's: Subscribe to our YouTube channel: iiivideo for future "The I's on Insurance" features and other videos about how to be safe, sure, and covered for the unexpected. You can also follow us on Twitter @iiiorg to stay plugged into the latest information and news about your home, auto, and business insurance.

Wednesday, January 24, 2018

Launch Of CA Earthquake Retrofit Program



1. Commissioner Jones and officials join in Studio City to launch earthquake retrofit program

2. Earthquake Brace + Bolt (EBB) retrofit program offers $6 million in high-risk California areas for homeowners to retrofit their home, protecting their families and reducing earthquake damage. Now more Californians can receive up to $3,000 toward a seismic retrofit as Earthquake Brace + Bolt program expands to more cities. Online registration starts today through February 23.

3. Earthquake, Insurance Commissioner Dave Jones, homeowners, Assemblymember Adrin Nazarian, CAL OES, Christina Curry, CEA, Glenn Pomeroy, EBB, Janiele Maffei, EBB Launch Event, California

Thursday, January 18, 2018

Commissioner Dave Jones & Legislators Announce Proposals To Help California Wildfire Survivors



California Insurance Commissioner Dave Jones joins legislators from the California Senate and Assembly to announce the Wildfire Survivors Recovery Blueprint consisting of 11 legislative proposals, including five bills each designed to increase consumer protections for wildfire survivors during the recovery process.

Monday, January 15, 2018

Highlight Clip - Fire Pump Power Supply Requirements



Derek Vigstol and Chad Duffy answer a live audience question from their NFPA Live talk on fire pump power supply requirements.

Friday, January 12, 2018

State Finance Director: California Must Spend Cautiously, Fill Rainy Day Fund



California’s budget is experiencing a surplus, but massive uncertainties loom and fiscal prudence must be maintained, California Finance Director Michael Cohen explained yesterday during a luncheon at the California Chamber of Commerce. Highlights of the presentation are included in the latest CalChamber Capitol Report video.

Saturday, January 6, 2018

Wildfire Update - January 4, 2018



Addressing the issue of Wildfire Insurance Availability and Affordability

California Insurance Commissioner reveals internal report findings regarding fire insurance availability and affordability issues

Wildfire, Insurance, Insurance Commissioner Dave Jones, California Department of Insurance, homeowners insurance, California, affordability, coverage

Wednesday, January 3, 2018

Winter Driving Tips That Can Lower Your Insurance Costs



Let's face it; you can buy the car that is touted as the safest on the road, your insurance rates can still be among the highest. Insurance companies use several factors when computing your rates, such as vehicle type, your age, and where you live. But the one thing that holds the most weight is the fact that any car is only as safe as the driver behind the wheel.
You need to be aware of the points or demerits that are placed on your license for things like moving violations, hazardous driving, or causing an accident. The best way to get lower insurance costs is through safe driving practices over a period of time. Through careful driving, your driver's license will eventually reflect zero points against you. This is when your insurance costs can go down.
With winter lasting as long as nine months in many parts of Canada, the most accidents are likely to occur during this time of the year. If you are determined to lower your insurance costs, follow these tips on winter driving. It will take a long-term commitment, but with determination, it can be done.
• Before winter hits, be sure to get a thorough car inspection. Take particular care to check the following: belts, fluid levels, brakes, exhaust system, wiper blades and windshield washer fluid, snow tire treads and pressure, defroster. Lights and antifreeze.
• Make sure to clear snow and ice from your windows and lights. If there is an accumulation on the hood, you may want to clear that too.
• Don't use cruise control during wintery conditions due to unexpected icy spots. Even with slight braking, you can lose control.
• Leave at least five car lengths between you and the car in front of you for stopping.
• Brake with caution. Give yourself time to slow down. It is a good practice to put your vehicle in a lower gear before hitting the breaks. This will automatically slow down your car so that you can then break safely.
• Drive with your lights on low or your fog lights on. On cloudy, snowy days you want to not only increase your visibility, but it is important other drivers can see you.
• Be careful crossing bridges. Being made of steel, they freeze up faster than the roads do.
• Use caution on exit ramps, as they may not have received gravel or de-icing agents.
• Remember that your 4 x 4 vehicle doesn't stop any faster than a regular vehicle. They are heavier and may actually take longer to stop. This also goes for trucks.
• Stay at least 200 feet behind snowplows and never pass them on the right due to blind spots. Remember, the road condition ahead of them is worse than behind them, even if they are going slow. It is better to be safe than sorry.
• SLOW DOWN!
With just a little extra caution over time, you'll be able to lower your insurance costs.


Article Source: http://EzineArticles.com/5567173