Understaffing Your Business Leaves You Vulnerable

Why you need to hire more employees. As a small business owner, you want to save money wherever possible.  One area where you can't afford to cut costs is hiring and staffing.  This is because understaffing your business leaves you exposed to some very serious risks.  For instance, here are some of the dangers understaffed businesses face. Increased Risk of Injuries and Illness When you do not have enough manpower, your employees are forced to take on more work than they can safely Read More

How Quitting Smoking Can Help You Save on Life Insurance

Break this bad habit and unlock life insurance savings. When you apply for life insurance, one of the first things the insurance company will ask about is whether or not you smoke or use tobacco products.  Smoking, chewing tobacco, and using other nicotine products are a concern for life insurance companies because they increase your chances of life-threatening health risks significantly.  As a result, life insurance companies will charge you much higher premiums than nonsmokers.  This is why, Read More

Protect Your Home with Specialty Earthquake Insurance

California homeowners need earthquake coverage. If you reside in California, then you know that the threat of a major earthquake is always looming overhead.  Unfortunately, your standard homeowners insurance will not provide coverage for your property or belongings in the event of a quake.   This is where specialty earthquake insurance comes in.  Here's what you need to know about this important form of home coverage. What is Earthquake Insurance? Earthquake insurance offers coverage for Read More

Tips to Make Moving Easier

Try out these suggestions to ensure that your move goes smoothly. If you are moving into a new home, then you are probably feeling a bit overwhelmed.  While moving seems like a massive undertaking, it can actually be quite easy with proper planning and organization.  To ensure that your move goes off without a hitch, try out these suggestions. Take Your Time Packing and moving are things that take time and great attention to detail.  Rushing through this process will make you more Read More

Protect Against Common Winter Work Risks

Don't leave your business vulnerable this winter. If you run a business in Southern California, then you probably do not need to worry about blizzards and ice storms.  However, this does not mean that your business is totally safe from winter hazards.  To avoid damage or major liability events, here are some of the steps that you should take this season. Inspect Your Roof Winter is the wettest time of year in Southern California.  This is why it's so important to inspect your business's Read More

Understanding Home Insurance Premium Increases

Why your home insurance rates have gone up at renewal. If you are approaching the renewal period for your homeowners insurance policy, then your agent will send out a report documenting your current coverage and expected premium changes.  If your rates are increasing, you may be confused.  While you should always speak to your insurance provider to ensure that rate increases are not a mistake, there are some legitimate reasons why premiums increase at renewal time.  Here are some of the factors Read More

Ask Your Insurance Agent About Your Car Coverage

What you need to know about auto insurance. If you are looking for your first auto insurance policy, then you may be feeling overwhelmed by all the information out there.  Fortunately, you can get the answers you need by working with an experienced insurance agent.  Here are some of the auto insurance questions you should ask your agent. What coverage do I need? Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage.  However, simply meeting Read More

What to Know About No-Exam Life Insurance

Did you know you could secure life insurance without a medical exam? When you secure a regular term life insurance policy, you will have to complete a medical examination that includes a health questionnaire, lab tests, and statements from your physicians.  However, many people think this process is too time-consuming and, as a result, they fail to secure life insurance coverage.  To entice people to secure this essential form of insurance, some carriers have started offering life insurance Read More

Suggestions to Help You Avoid Holiday Hangovers

How you can alleviate the worst of your hangover symptoms this holiday season. The holidays are a time of fun, celebration, and, of course, parties.  If you have plans to attend any holiday parties, then there's a good chance that alcohol will be served.  If you are worried about the potential for post-party hangovers, then here's what you can do to avoid the worst of your symptoms. Avoid Dark Alcohols One way to avoid holiday hangovers is by avoiding alcohols that contain a high Read More

How to Reduce Home Insurance Costs This Winter

Try out these suggestions to avoid home insurance claims this winter. During the winter months, conditions make property damage, and certain types of liability claims more common.  If you do not want to file expensive home insurance claims this season, then it's important to prevent household risks.  Take these steps to keep your home insurance costs down this winter. Fires During the holiday season, many homeowners light up candles or get a fire going in their fireplaces to create a Read More