The Benefits of Term Versus Permanent Life Insurance Image
June 21, 2012
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The Benefits of Term Versus Permanent Life Insurance

Life insurance is an essential part of any good financial plan. In the event of the policy holder’s death, the proceeds from a life insurance policy can be used in a number of ways, including paying off debts, covering final expenses, funding a child’s future education, or filling in the gaps of lost income from the decedent. There are two primary types of life insurance coverage. These include term and permanent. Within the permanent life insurance category, there are a variety of different plans, each typically offering a death benefit....
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Posted in: Uncategorized

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Contractors Bond vs. Liability Insurance
January 25, 2012
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The Difference Between a Contractors License Bond & Liability Insurance

If you’re a licensed California contractor you certainly posess a contractors license bond as it’s a requirement for maintaining an active license, and there’s a good chance you probably also carry liability insurance.  Ever wonder what’s actually covered by your license bond versus your liability insurance? Instant Contractors License Bond Quote

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Posted in: Bonds
No Credit Check California Contractors License Bonds
November 13, 2011
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No Credit Check California Contractors License Bonds

One of the most common complaints we hear from contractors is a growing frustration over license bond rates that have gone from as little as $80 per year to well over $1300 or more upon renewal in some instances.  These rate changes have one root cause: a significant drop in a contractors credit score.  Contractor’s surety bonds are unsecured in …

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Posted in: Bonds
Workers Comp Insurance For California Roofers
June 27, 2011
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Workers Comp Insurance for Small California Roofing Contractors

Developing a working knowledge of California workers compensation laws is one of the most important tasks for small business owners to achieve, especially if the business in question is that of a roofing contractor.  While all businesses in California are required to carry workers compensation coverage if they have employees, the requirements for roofing contractors are much more extensive. Workers Comp …

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Posted in: Workers Compensation
California Contractors Bond
April 29, 2011
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California Contractors Bond Rates On The Rise

If you’re like many California contractors, you may have been unpleasantly surprised by a significant increase in your contractor’s license bond renewal premium.  The reason for the rate increases vary, but at their core, the downturn in the construction industry has caused a substantial increase in bond payouts for surety companies.  The sudden influx of claims have placed overwhelming stress …

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Posted in: Bond Insurance
State Fund Workers Comp Insurance
April 22, 2011
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Is State Fund the Best Workers Comp Option For Small California Contractors?

In working with small California contractors establishing or upgrading their workers comp programs, we often find that many contractors assume State Fund is the least expensive insurance option because they’re a state run program that subsidizes the cost of workers comp insurance. While mostly untrue, this common misconception can actually lead some employers to pay dramatically higher workers comp premiums …

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Posted in: Workers Compensation
California Professional Liability Insurance for Consultant
March 19, 2011
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Do Consultants in California Need Professional Liability Insurance?

For most small to medium size consultants, deciding whether or not to purchase professional liability insurance (also called errors and omissions) can be a very difficult decision.  With the vast majority of consultants in California set up as independent contractors, consultant’s face a multitude of risks that should be carefully evaluated before a claim occurs, rather than after.  While consultants …

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Posted in: Professional Liability
adriana grieco
March 19, 2011
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Real Estate Insights- With Outstanding Folsom Realtor Adriana Grieco

Choosing a local realtor to help find your dream home can be a challenging process in any economy, especially this one.  Before making your choice, it’s a very good idea to learn as much as possible about your prospective realtor to make sure there’s good chemistry going forward.  We’ve sat down with one of Folsom’s best, Adrianna Grieco of Better Homes Realty.  I’m …

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Posted in: Real Estate Insights
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