If your ministry has employees, you are required to buy workers’ compensation insurance. Some states do allow people to opt out of the system if they can prove financial responsibility, but that is only in two or three states in the entire country. If you have employees, you are most likely required to carry workers’ […]

  Replacement cost coverage essentially means that the insurance company will replace the damaged or destroyed property with new.  We always recommend replacement cost coverage on your real and personal property.This may seem simple, but it’s not quite that simple in every case. Let me give you an example of replacement cost coverage from a recent claim […]

We all know that earthquake insurance can be costly. However, many businesses mistakenly fail to consider earthquake insurance due to the cost and other factors. We hope to show you the value of having earthquake insurance as part of your insurance portfolio. The biggest mistake business owners make is to think it won’t happen to […]