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There’s only so much you can control when running a company. And despite keeping a safe environment for your employees, accidents can happen. Workers’ compensation insurance is there for you for the things you can’t control. 

Before you close on your first home, your lender will require proof of insurance with coverage that protects your residence, detached structures, and personal belongings. Here are five tips to help you get home insurance.

Do I need earthquake insurance?

Kathleen Rodway Richter

Tuesday, May 30, 2023

Earthquake insurance isn’t required by your lender or by the state. In California, where earthquakes are more likely, more frequent, or more powerful, considering Earthquake insurance might be beneficial for you financially.

While pools are fun and a great way to cool off during the hot summer, they do present more risk to the homeowner, which is why it’s important to understand the pool coverage provided by your home insurance policy.

With many companies having their employees work remotely on a full-time or hybrid basis, business owners might be wondering if they can cut costs by canceling their workers’ compensation insurance.

What if your HOA maintains a master earthquake policy? Is that enough coverage? It is still important to consider a personal policy. Here's why...

While the insurance market in California can be expensive, there are a few actions you can take to potentially reduce your home insurance premium.

You can’t predict when something unfortunate will happen in your business. One step you can take to protect yourself and your business from a catastrophic event is through purchasing a commercial umbrella policy.

I don’t have assets; do I still need umbrella insurance?

Kathleen Rodway Richter

Monday, March 6, 2023

Some will say that umbrella insurance becomes more important when you build significant wealth and assets. While this is true, you don't have to be wealthy to consider an umbrella policy.

Get the Perfect Valentine’s Gift? Remember to insure it

Kathleen Rodway Richter

Thursday, February 16, 2023

February, with its hallmark Valentine’s Day, has many buying gifts to show their love. Some will think outside the chocolate box and gift jewelry. When it comes to valuables, homeowners insurance may not provide enough coverage.

Businesses with any digital footprint are vulnerable to cybercrime. And it’s not just large companies that are targeted. Small businesses face threats too. Cyber insurance provides small businesses resources to respond to cyber incidents.

Remodeling your home, or making improvements, can be exciting and fun. Besides choosing the best floors, cabinets, finishes or contractor, you need to consider how your remodel might impact your home insurance.

With the wet winter weather upon us, flooding may be of concern for some homeowners. Flooding can happen unexpectedly and cause considerable damage to homes and personal property.

Do you have the right coverage for your valuables?

Kathleen Rodway Richter

Wednesday, December 28, 2022

Jewelry, Electronics, Golf clubs, Fine art, Wine. We all have things that we collect or buy that are totally worth the splurge. Some of it might be quite valuable and require special insurance coverage.

‘Tis the Season for gifts...and insurance

Kathleen Rodway Richter

Wednesday, December 14, 2022

Insurance is probably the last thing on your mind during the busy holiday season. But you should consider a valuable items policy to protect the gifts you give or receive.

In general, your homeowners, renters or condo policy doesn’t cover earthquake damage to property and personal belongings. That means the only way to protect your home from earthquake damage is to purchase added coverage...

Connected devices make our lives easier, but they create cyber entry points that can be hacked causing chaos in your life. Some insurance companies now offer personal cyber insurance to help cover some of the risks of being hyper-connected.

If you’re reading this, you’re online. Nearly everyone is now, from kids with phones to grandmas looking at those kids on social media.Unfortunately, if you’re online, you’re also vulnerable to cyber attacks....

Who needs umbrella insurance?

Kathleen Rodway Richter

Thursday, May 19, 2022

You've bought your home and car insurance and now you're considering an umbrella insurance policy. Do you need it? There are many factors to think about and you likely could answer, yes, to our consideration questions.

How does umbrella insurance work?

Kathleen Richter

Wednesday, April 20, 2022

You’ve probably heard of it, but how does umbrella insurance work? Umbrella insurance works for you as an extra layer of protection. It kicks in when your base liability limits on your home or car insurance have been reached....

Check out these easy ways to save on your insurance

Kathleen Richter

Tuesday, April 12, 2022

It seems like everything in your life is going up, up, up. But your insurance doesn’t have to follow suit.  While we can’t control rates or the market as a whole, we can give you some sure-fire ways to keep those...

Use tax season to assess your insurance too. While preparing to file and taking inventory of what you own and earn, see if you need to add anything to your insurance.

It’s finally here. While the pandemic isn’t completely over, people are getting vaccines, businesses are opening up, and trips are being planned.All of that is great news. But it also means that many people who have been...