Commercial

The cost of a bad business culture …

By |2017-08-02T18:27:44+00:00August 2nd, 2017|Commercial, Commercial Liability, Risk Management|

Going through the news this morning, I came across another Wells Fargo scandal .. this time with forced placed auto insurance. It seems for whatever reason auto loan borrowers received unwanted auto insurance coverage, unbeknownst to them added to their account by the lender, Wells Fargo. The article continued with an accounting of how many

Keys to success – Stern Style …

By |2017-07-18T19:21:08+00:00July 18th, 2017|Commercial|

I am fascinated by business success. In my estimation success itself is as individual as the individuals which find it… and one can obtain success in a myriad of different ways. Business Acumen, Hard-work, Determination, Talent and Skill, and sometimes sheer Luck – are some of the most common characteristics or propellants of people and

Why should you worry about Cyber Attacks??

By |2017-07-11T18:13:00+00:00July 11th, 2017|Commercial, Cyber, Manufacturing, Risk Management|

Cyber has been a hot button for some time in the insurance industry. I have talked about it several times via this blog as well. It is easy to become a little desensitized to the entire topic and adopt a laissez-faire attitude … but the reality is … These attacks are not going away. In

Business Emergency Prep!

By |2017-01-31T18:07:17+00:00January 31st, 2017|Commercial, Risk Management|

We often think of emergency preparation in terms of our families and homes; but preparing your business for emergencies is just as vital. The Insurance Institute for Business & Home Safety has published a fabulous guide to help get you started thinking and planning.  This is definitely worth moving up on your priority list.  Click

The Future of ObamaCare in CA

By |2017-01-11T17:46:43+00:00January 11th, 2017|Affordable, Affordable Care Act, California Health Insurance, Commercial, Covered CA, family health insurance, health care, Individual Health, Individual health insurance, Medi-Cal, Obama Care, reform, small business health care, Taxes|

One of the items at the top of the President Elect's to do list after his Inauguration, is 'repeal & replace' ObamaCare.  So far we don't have any specifics about what this really will mean to Americans, but this article has stated what we have been anticipating all along - according to Deborah Kelch of the

Time to think about Marijuana …

By |2016-12-06T18:15:51+00:00December 12th, 2016|Commercial, Commercial Liability, Risk Management, Workers Compensation|

Marijuana has been on my mind for the last couple of weeks…. And NO, not for the reason you are thinking. I have read multiple stories over the last several years from CO, OR and WA discussing aspects of the first several months after those states legalized recreational use. There was quite a spike at

Avoiding Disaster – The Ghost Ship consequence

By |2016-12-05T22:06:44+00:00December 5th, 2016|Commercial, Commercial Liability, Risk Management|

Let me start by saying my heart and prayers go out to the families and friends that lost loved one in this tragic event. I hope they can find peace and be comforted through this terrible time. I don’t want to dwell on this or point the finger of blame. I admit that I don’t

CA Workers Comp – what now??? (AB 2883)

By |2016-11-07T21:38:31+00:00November 7th, 2016|Commercial, Workers Compensation|

This little beauty seems to have passed almost unnoticed by the WC industry.  To be truthful, it seems that most businesses may not be readily affected by it.  But to those that are - the changes can be significant.  The question is: What does California AB 2883 mean to your worker’s compensation insurance? CA AB

Are you hearing me???

By |2016-09-27T20:52:21+00:00September 27th, 2016|Commercial, Manufacturing, Workers Compensation|

When we think of WC claims, we usually envision an employee tripping/falling or some other isolated incident.  Repetitive Injury or Cumulative Trauma are veritable swear words in the Workers Comp industry unconsciously prodding employers to shun from the mere mention of such cash flow inhibiting, premium-jacking calamities.  However, to truly be successful at managing your workers