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

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.

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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.

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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.