Our Blog
Straightforward answers on coverage lines, safety and risk management for California business owners — written by the same people who service your policies.
Workers' Compensation
California Workers' Compensation: A Small Business Owner's Guide
Who must carry workers' comp in California, how premiums are calculated, what your X-Mod means, and practical ways to lower your workers' compensation costs.
September 2, 2026 · 5 min read
Agribusiness
Ag and Farm Labor Contractor Insurance in the Salinas Valley
Coverage that Salinas Valley growers and farm labor contractors are asked for: workers' comp, AB 1897 shared liability, FLC bonding, auto, crop and equipment.
September 2, 2026 · 5 min read
Contractors
Certificates of Insurance: What Contractors Keep Getting Wrong
Additional insured vs. certificate holder, waivers of subrogation, primary and non-contributory wording, and how to request a COI without delaying the job.
September 2, 2026 · 5 min read
Business Insurance
How Much Does Business Insurance Cost in California?
What actually drives commercial insurance pricing in California, which coverages carry the most cost, and how an independent agency shops the market on your behalf.
September 2, 2026 · 5 min read