Monday, August 19, 2019

Friday, August 16, 2019

Insurance for the Small Business Owner



A Business Owner Policy, or BOP, may be what your need as a small business owner. A BOP covers your business for property and liability and helps keep your assets safe

Tuesday, August 13, 2019

The i's on Insurance: The Claim Game: Auto



"The I's on Insurance: The Claim Game, Auto" will put you on the road to a satisfactory claim filing experience, giving you the basics on what you should know, what your policy covers and the most important information to record when you're in an accident.

Saturday, August 10, 2019

One Member, One Vote



Small business owners shape NFIB’s policy priorities by voting on key issues.

Wednesday, August 7, 2019

CSLB Executive Committee Meeting



CSLB's Executive Committee Meeting is taking place Monday, August 5th at 2:00pm. Issues include the CSLB budget and future legislation.

Thursday, August 1, 2019

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, July 29, 2019

The Cost of Small Business Insurance



Small business insurance can cost between $150 to $1,000 per person per month depending on the type of insurance and the amount of coverage for each individual. Find out about the additional costs of liability and worker's compensation insurance with information from a financial adviser and insurance broker in this free video on business insurance.

Friday, July 26, 2019

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.

Tuesday, July 23, 2019

Summer Insurance Tips


As a responsible home and vehicle owner, you know that taking care of your car insurance and home insurance is a top priority. Individuals that choose to "save money" by failing to purchase home insurance or worse, illegally driving without car insurance, are quick to find the cost of insurance is far less than the cost of replacing a vehicle or dwelling when misfortune strikes. Although months and even years (for the lucky ones) may pass without incident, living without insurance means living under a constant cloud of worry and fear.
If you are among the millions that have made the responsible choice to purchase insurance, congratulations. You are on the right track. Having insurance gives you peace of mind during your day to day activities. However, what about when you are away from your home for an extended period of time or if you are using your vehicle for a road-trip? A few simple steps are all that is required to help reduce the risk of loss or claim while you are away on vacation.
  • Plan for someone trustworthy to check your house and yard every day and to pick up your mail and flyers. (For extended trips, suspend your paper delivery.) Have this person walk through your home periodically to check for sign of weather damage, attempted entry and water leaks.

  • If all possible, turn off the water to your dishwasher & washing machine to avoid any unnecessary water damage. Prior to your vacation, have an inspection done on your water heater if it is over ten years old.

  • For protection from power surge damage unplug major appliances, TV's, computers, microwaves, etc.

  • If you are taking your vehicle on vacation with you, check your auto insurance policy to ensure you are up to date and aware of your coverage and deductibles. Take your vehicle in for a spring tune-up. Check the tire wear, electrical, proper functioning of horns, lights and other safety features. The last thing you want is to have vehicle trouble while on a road trip. Not only does tuning up your car before a trip greatly reduce the chances of having an incident, but it will also extend the overall life and durability of your vehicle.

  • Bringing out your trailer and hitting the open road in the summer is exciting. Does your auto insurance extend to your trailer? Make sure you have the proper coverage for your trailer. Give your trailer a good walk over to note any areas of concern and ensure you do not forget to have your bearings and electrical checked annually by a professional.

  • Do not leave your vacation trailer or motor home parked on your property for days prior to leaving. The savvy intruder will notice when it is not parked out front, signaling an opportune time for entry into your empty home. Go a step further in discouraging thieves by having your lights and radio set on an automatic timer so it appears that you are home. Closing all window coverings on all the floors of your home keeps them guessing if the home is inhabited or not, which is a major deterrent for the burglar.

  • If your vacation leaves a vehicle at home, purchase a safety device to lock the steering wheel, while you are away.
Thanks to your many affordable insurance options, you can go about your daily duties and your summer vacations without the dread of accidents or break-ins. While these unfortunate things do happen from time to time, taking precautions, like the ones listed above, and making sure your car insurance and home insurance covers your needs and remains up to date is all it takes to enjoy the priceless feeling of having daily peace of mind.


Article Source: http://EzineArticles.com/6430839

Wednesday, July 17, 2019

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 make 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

Sunday, July 14, 2019

The i's on Insurance: The Claim Game: Homeowners



As a homeowner, you know to expect the unexpected to happen. And when it does, knowing what to do when you file a homeowners insurance claim will help you get the best value from your coverage.

Thursday, July 11, 2019

Agriculture & Insurance



#Insurance provides farmers with the tools they need to protect their business and assets. In 2019, devastating #floods in the Midwest and parts of the South have crippled many #farmers during the important planting season. Some are facing tough decisions. Others are comforted knowing the value insurance has on their livelihood. Watch this video to learn more about #cropinsurance and #farminsurance

Tuesday, July 2, 2019

What is Community Risk Reduction?



NFPA's Karen Berard-Reed answers the common question, what is community risk reduction, or CRR?

Thursday, June 20, 2019

CSLB March 21, 2019 Board Meeting: Part 1 of 6



CSLB held its' Quarterly Board Meeting March 21, 2019 in San Diego. Part 1 covers the following agenda items:
01:43 A. Call to Order
04:41 B. Public Comment for Items Not on the Agenda
06:41 C. Review and Discussion of Partnership with California Building Officials to Develop Strategies to Address Underground Economy in Construction
14:01 D. Presentation of Certificates of Appreciation – May Include Oral Presentations Commemorating Achievements and Service of CSLB Staff, County Building Officials, and San Diego Deputy District Attorneys

Friday, June 14, 2019

Wildfire Insurance Townhall - Santa Rosa



The California Department of Insurance hosts a community townhall and workshop to provide assistance to wildfire survivors with questions about insurance.

Tuesday, June 11, 2019

CSLB Looks Back At The 1930's Construction Of The Bay Bridge



Contractors State License Board went back in time to look at the construction of the Bay Bridge back in the 1930s.

Saturday, June 8, 2019

What Is Community Risk Reduction?



NFPA's Karen Berard-Reed answers the common question, what is community risk reduction, or CRR? Read more in the May/June 2019 issue of NFPA Journal at https://www.nfpa.org/gotrisk

Wednesday, June 5, 2019

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.

Sunday, June 2, 2019

Insurance For The Small Business Owner



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.

Monday, May 27, 2019

CSLB's Easy Way to Find a Licensed Contractor Near You



CSLB shows you how to find a licensed contractor that lives near you. This video was recorded in Davis, CA during one of CSLB's Senior Scam Stopper Seminars.

Friday, May 24, 2019

How To Get Flood Insurance



"What’s remarkable about flood insurance is that only 12% of people have it.” - I.I.I. CEO Sean Kevelighan. Watch the latest video produced in partnership with The Weather Channel about how to get flood insurance.

Tuesday, May 21, 2019

Proper Location Of Smoke Alarms



NFPA requires that smoke alarms are located in several locations throughout the home. This video identifies where they should be placed to ensure adequate protection in the event of a home fire.

Saturday, May 18, 2019

CSLB Committee Meetings



The Contractors State License Board holds four committee meetings. The Public Affairs Committee will be followed by the Licensing Committee, followed by the Enforcement Committee, followed by the Legislative Committee.

Wednesday, May 15, 2019

Why Are So Many Old Buildings Made Of Brick, Stone, Or Other Noncombustible Materials?



In this episode of Learn Something New by NFPA Journal, we again take a step back in time to learn how the Great Chicago Fire of 1871 changed building practices in the United States.

Thursday, May 9, 2019

Wildfire Insurance Townhall



The California Department of Insurance hosts a community townhall and workshop to provide assistance to wildfire survivors with questions about insurance.

Monday, May 6, 2019

How Did One Fire Over 100 Years Ago Change Life Safety Forever?



In this episode of Learn Something New by NFPA Journal, we take a step back in time to learn how the Triangle Waist Company fire in March 1911 prompted NFPA action that led to changes that forever changed the way we exit buildings.

Friday, May 3, 2019

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.

Tuesday, April 30, 2019

California State Treasurer Fiona Ma Speaks To Small-Business Owners



At NFIB California’s annual Small Business Day at the Capitol, held March 19, 2019, State Treasurer Fiona Ma talks about her small-business background and how vital it is for small-business owners to get more involved in the political process.

Saturday, April 27, 2019

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.

Woolsey Wildfire Rebuilding Workshop for Licensed Contractors



On April 13th, CSLB partnered with local, state, and federal agencies to conduct a wildfire rebuilding workshop. This workshop focused on licensed contractors hoping to do work in the Woolsey Fire zone. For more information on disaster relief, check out CSLB's Disaster Help Center.

Wednesday, April 24, 2019

Thursday, April 18, 2019

How Did One Fire Over 100 Years Ago Change Life Safety Forever?



In this episode of Learn Something New by NFPA Journal, we take a step back in time to learn how the Triangle Waist Company fire in March 1911 prompted NFPA action that led to changes that forever changed the way we exit buildings.

Monday, April 15, 2019

AB 1535 - Pet Insurance



Assembly Bill 1535 requires that all pet insurers provide you the contact information for their company, your agent and CDI.

Friday, April 12, 2019

The i's on Insurance: The Claim Game: Homeowners



As a homeowner, you know to expect the unexpected to happen. And when it does, knowing what to do when you file a homeowners insurance claim will help you get the best value from your coverage.

Tuesday, April 9, 2019

Don’t Drive Intexticated



Commissioner Lara teams up with Auto Club of Southern California, LAPD, and CHP to kick off April’s Distracted Driving Awareness Month and share the dangers and consequences of driving distracted.

Saturday, April 6, 2019

The Real Effects Of Tax Reform For Small Business



More than one year after the passage of the Tax Cuts and Jobs Act, small business owners, and NFIB members are seeing the benefits of tax reform.

Wednesday, April 3, 2019

Quarterly Board Meeting



The Contractors State License Board's quarterly meeting, on March 21, 2019 in San Diego, California

Thursday, March 28, 2019

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.

"The I's on Insurance: [Not So Risky] Business" instructs you on the ins and outs of small business insurance—including coverage for business disruption, theft/loss, and business liability insurance. Why not spend a couple of minutes learning about the different types of business insurance to make it easier to have a productive discussion with your business insurance agent or broker.

Monday, March 25, 2019

Wildfire Insurance Townhall - Chico, CA



The California Department of Insurance hosts a community townhall and workshop for wildfire survivors with questions about insurance. The event is in the Laxson Auditorium at Chico State University on Saturday, Feb. 23, and Sunday, Feb. 24 from 10 - 11 a.m.

Friday, March 22, 2019

Informed Citizen: Rental Car Insurance



Confused and overwhelmed by insurance options at the rental car counter? Justin, the Informed Citizen, is here to break it all down and tell you how to save money and protect yourself.

Tuesday, March 19, 2019

Prescription Drug Costs and Large Group Health Insurance Rates



Prescription Drug Costs and Large Group Health Insurance Rates

Senate Bill 546 (Leno, 2015), Senate Bill 17 (Hernandez, 2017)

A public meeting to discuss changes in rates, benefits, and cost sharing in the large group health insurance market, and regarding prescription drug costs. The California Department of Insurance is holding this public meeting pursuant to the requirements of Insurance Code section 10181.45. Presentations will be made to the Insurance Commissioner by Department staff and interested stakeholders, followed by the opportunity for public comment.

Saturday, March 16, 2019

CalChamber Launches The Workplace Podcast



The Workplace is a podcast by CalChamber that provides expert and entertaining commentary on issues critical to California employers and employees. Episodes will be released each Wednesday and include discussions about California employment laws, legislative proposals, and national and state politics. https://www.calchamber.com/theworkplace

Thursday, March 7, 2019

The i's On Insurance: Life Insurance



Life insurance is a vital part of your family’s financial stability and well-being. But if you’re like most people, you probably have questions about what types and amounts of life insurance are best for your needs. Spend a few moments to see why planning for your family’s future isn’t just about money; it’s about life.

Monday, March 4, 2019

Outbuildings Need Love Too: Steps To Prepare Your Property For Wildfire



Wildfire risk reduction projects are not just for your immediate home, but also apply to the outbuildings on your property. Learn what structures on your property you need to consider when preparing for wildfire.

Friday, March 1, 2019

Wednesday, February 27, 2019

Sunday, February 24, 2019

Wildfire Insurance Townhall - Chico, CA



The California Department of Insurance hosts a community townhall and workshop for wildfire survivors with questions about insurance.

Thursday, February 21, 2019

David Horowitz Dies at 81: Consumer Advocate Reports on Senior Scams in 1994



Consumer reporter David Horowitz recently died at age 81. Here is one of his stories on unlicensed contractors scamming seniors from 1994.

Monday, February 18, 2019

Self Employment Tax Return Guide



A quick review of three methods for preparing your self-employment taxes.

1. Pay a professional

2. Use a software program

3. Do it yourself on paper.

Each has its pros & cons. Although, it's probably a fair bet to say Doing your taxes yourself on paper has the least amount of benefits over detractors.

If you find an aggressive, experienced and highly knowledgeable Tax pro that is also affordable (a relative term), this is probably your best bet. The idea of paying several hundred dollars to have your schedule C and 1040A prepared may seem a steep cost. The important thing to keep in mind is the money they may be saving you could easily offset that cost.

Friday, February 15, 2019

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.

Tuesday, February 12, 2019

Brownie Strawberry Chocolate Cheesecake



This Strawberry Chocolate Cheesecake is one of the easiest desserts you can prepare for your loved ones… brownie at the bottom topped with fresh strawberries covered in a smooth silky chocolate cream cheese filling and decorated with chocolate brush strokes and fresh strawberries.

Saturday, February 9, 2019

Valentine's Day Cookies



These Valentines Day heart cookies come out of the oven fully decorated! All the color and wow factor without the need to mix up batches of royal icing! I made them with some pink sanding sugar rolled into the pink stripes for an extra sparkly pop but they look just as nice plain. I think these heart cookies would be a great project for younger chefs too! The laminating looks really professional but it’s actually fun to do and the sanding sugar adds even more appeal.

Wednesday, February 6, 2019

Informed Citizen: Renters Insurance



Justin explains the importance of renters insurance and how it can save you lots of money and headache.

Sunday, February 3, 2019

Get Ready For IBS 2019



Get ready for IBS 2019! Check out this video with tons of helpful information to help you prepare for the show and navigate your way around the Las Vegas Convention Center.

Monday, January 28, 2019

Insurance Commissioner Releases Updated Insured Loss Figures For November 2018 wildfires



California Insurance Commissioner Ricardo Lara announces updated insured loss data from the Camp and Woolsey fires. The Camp fire eclipsed the Tubbs fire of 2017 as the most destructive and deadly wildfire to hit California, leaving 89 people dead and thousands homeless.

Friday, January 25, 2019

Tuesday, January 22, 2019

Starting A Business : How To Get Insurance For A Business



Getting insurance for a business is a great way to protect the entire company. Insure a business with tips from a successful business owner in this free video on business tips.

Saturday, January 19, 2019

Wednesday, January 16, 2019

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.

"The I's on Insurance: [Not So Risky] Business" instructs you on the ins and outs of small business insurance—including coverage for business disruption, theft/loss, and business liability insurance. Why not spend a couple of minutes learning about the different types of business insurance to make it easier to have a productive discussion with your business insurance agent or broker.

Sunday, January 13, 2019

Insurance 101: Business Insurance for Startups



What types of insurance should a startup company have? What value does an insurance broker provide that I can’t figure out for myself? What are the ‘new’ coverage's that a technology startup should consider? Do I need to cover my board of directors? Answers to these questions along with a broad overview of business insurance were presented.

Thursday, January 10, 2019

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.

Monday, January 7, 2019

CSLB Quarterly Board Meeting (12-13-18)



The quarterly meeting of the California Contractors State License Board, taking place on December 13, 2018, in South San Francisco.

Friday, January 4, 2019

The i's on Insurance: The Claim Game: Auto



Filing an auto insurance claim is never fun. But with these simple steps from the Insurance Information Institute (http://www.iii.org), you can save yourself a lot of time and trouble.

Tuesday, January 1, 2019

The i's on Insurance: Life Insurance



Life insurance is a vital part of your family’s financial stability and well-being. But if you’re like most people, you probably have questions about what types and amounts of life insurance are best for your needs. Spend a few moments to see why planning for your family’s future isn’t just about money; it’s about life.