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We help customers make informed insurance decisions You want the best outcomes in all aspects of your business. Our goal is to help you with the insurance and risk aspects of your business. For...

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Workers Compensation For many businesses, workers compensation is their largest insurance expense. Plus, consider its impact on human resources and the costs of compliance, documentation and other...

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General Liability Your premiums are going up. You don’t know why, and your coverage is being reduced. You have choices. When we review your coverage, you can find out what’s working, what’s not, and if...

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Management Liability As a thriving, growing professional corporation, the last thing you need is an un-insured allegation. Insurance provisions and terms are narrowing all the time. Sometimes it’s hard...

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Workers Compensation; an invitation to participate and get the best outcomes.

This blog exists to foster a community of Business owners, (and anyone else who assists them), who want to improve every aspect of their Workers Compensation plan. My hope is that as the blog grows...

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What is a Workers Compensation Plan? How do you define that?

There are many ways to define a Workers Compensation plan, some folks would define it as simply as: “give me a Workers Comp policy with the lowest premium”. And that may be a great definition if your...

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Work Comp Bureau – They issued a recommendation for higher rates. Ouch 6.9% up.

The Workers Compensation Insurance Rating Bureau, (www.wcirb.com), has issued a recommendation for higher Workers Compensation premium rates for California employers. Effective date for the increased...

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Workers Comp – Medical liens, part one.

What are Work Comp medical liens? How do they affect you, and why should you care? Medical liens – ask your Adjuster. Workers Comp medical liens are bills that are sent to your Workers Comp insurance...

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Workers Comp – Medical liens, part two. Los Angeles County is awash in them.

In my first post about Work Comp medical liens I discussed what they are and why you should care. In this post, I wanted to show how severe the problem is in Los Angeles County and all of California....

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Well known Workers Comp Insurance Company gets a ratings downgrade.

Tower Select Insurance goes down to a B++ rating with A.M. Best, (Fitch downgrades too). Tower Group stock slide. Over the past several years Tower Select Insurance has been writing a lot of Workers...

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