Small-business owners and entrepreneurs in California are often affected by insurance companies that act in bad faith as a strategy to avoid paying a claim. In general, insurance companies are usually far more eager to accept payments than to make them. After diligently paying your insurance premiums, you have a legitimate claim -- but you feel like you're getting nowhere… Read More

If your home is damaged in a storm or in some other fashion, you assume that the insurance company’s goal is to help you. After all, that’s what they claimed when you bought your policy. They wanted to help you get back on your feet. They would cover the costs so you didn’t have to worry. In the real world,… Read More

When you see commercials for insurance companies, it makes it seem like the goal, for the company, is to help you when you need it. They promote this idea that they are on your side and that all they want is to swoop in and assist you when you need it most.  But is this true? Insurance is a trillion-dollar… Read More

Floods, fires and other such natural or manmade disasters could all damage or destroy your business premises. While you probably have insurance to cover damage to stock and the premises, chances are you will be unable to operate, at least for a while. Every day you do not open, you lose another day’s earnings. What is more, being forced to… Read More

Title issues frequently pop up during residential real estate transactions. The buyer will usually need to have title coverage for both themselves and the lender financing the transaction. The company providing title insurance will do a background check on the property and correct any issues that would prevent them from underwriting a title policy. The curative process is how a… Read More

As a business owner, you need to be able to rely on your insurer. If they do not provide you with the appropriate support when you need to claim, it could be the end of the road for your business. However, you are not the only business involved in the equation. The insurance company also needs to turn a profit… Read More

California is open for business, making this an excellent time to pursue your entrepreneurial dreams. People are working more, which means they are shopping for goods and services more often. In La Mesa and nearby communities, residents are interested in finding new businesses to meet their purchasing needs. One of the first things to address when forming a new business… Read More

California has some of the most valuable real estate in the entire country. A house that sells for $1,000,000 in California might be worth less than a quarter of that amount if it was in the Midwest. The home that you live in is a major investment and also a source of personal pride and security. Unfortunately, some people lose… Read More

Business owners around the country had a tough year last year. But 2021 is poised to be a growth year for many small and large businesses around the globe. Still, that doesn’t mean that it will be smooth sailing from here on in. You can expect all of the same problems and limitations that have plagued business owners from the… Read More

You've had storm damage to your house, a disruption to your business operations due to an environmental catastrophe or a claim against the home you just purchased. Thankfully, you have an insurance policy in place for exactly this situation. Your coverage should protect you from liability-related losses and even help you fix the damage your property incurred. A homeowner's policy… Read More

The coronavirus pandemic has hit small businesses hard. According to recent data from Harvard University, the percentage of California businesses that closed during the pandemic stands at 35.9%. That ranks as the 11th highest small business closure rate among 45 states. As of March 22, nationwide the number of small business was 35% below that of those that were operating… Read More

The COVID-19 pandemic hit California’s tourism industry hard. Many employees who worked in California hotels, convention centers and airports lost their jobs last spring and summer during long state shutdown orders and because tourists opted to stay home. Now, a new California law will require some of these employers to rehire workers laid off in the pandemic, before offering jobs… Read More

Finally, thousands of California businesses have an end in sight for COVID-19 restrictions that have shut them down or limited their capacity to serve customers for the past 13 months. On June 15, California will end the Blueprint for a Safer Economy metrics. Ending the Blueprint for a Safer Economy metrics The metrics have measured coronavirus cases for each county… Read More

The number of Californians contracting coronavirus has dropped dramatically in the last month and more and more people are receiving vaccinations each day. Many businesses are more than ready to fully open and resume their normal operations. Some owners want to save their businesses from going bankrupt; others are tired of the state’s ongoing business restrictions. Multiple suits filed to… Read More

During the last year, California businesses have received billions of dollars in COVID-19 relief, so they could keep their doors open amid multiple state shutdowns and a swift economic downturn. However, now Gov. Gavin Newsom is concerned California businesses may have to pay state taxes on the federal relief funds they received. State business tax break for COVID-19 relief in… Read More

The number of Californians contracting coronavirus has plummeted sharply since the beginning of 2021. However, the pandemic still is far from over. That’s part of the reason California lawmakers now are debating requiring businesses to offer more paid sick leave amid the ongoing health crisis. Expanding mandated paid sick leave Many federal and state guidelines required giving workers two weeks… Read More

While it might seem that an insurance company’s willingness to negotiate your claim is a good sign, the truth is that not every business enters negotiation in good faith. What does it mean to negotiate in bad faith? What warning signs might you see during the negotiation process? What is negotiating in bad faith? While they will approach every claim… Read More

California is waiving state business licensing fees in restaurants, hair salons and nail salons as part of a new COVID-19 relief effort. Hundreds of thousands of small businesses now won’t have to pay licensing fees until 2023. The measure is part of a $7.6 billion stimulus plan signed by Gov. Gavin Newsom on Feb. 22. The relief package also includes… Read More

When the COVID-19 pandemic hit the United States last March, many office employees quickly began working from home. Yet, businesses often didn’t take steps to ensure their cyber security at the time. With more employees working remotely came more risks of cyber security breakdowns, such as malware and virus attacks. Now, nearly a year into the pandemic, the security firm… Read More

Life hasn’t been close to normal since March 2021, when coronavirus began rapidly spreading in the United States. In California, many business owners have faced having to shut down, limit the number of customers they serve, increase their sanitizing and cleaning efforts to help stop the spread of COVID-19 and more. Now, finally, two vaccines are available and you want… Read More