California businesses are feeling more and more burden over continuing COVID-19 restrictions, as the state remains the epicenter of the virus outbreak. In December, groups representing small businesses sued California over its new COVID-19 rules from Cal-OSHA. The small businesses felt the rules that require businesses to pay for COVID-19 testing and pay sick workers would endanger their ability to… Read More

Almost everyone is at the point is fatigued. Between the chaotic election season, the global pandemic and the eight months in lockdown, everyone is tired of staying at home or being anxious about the risks of Covid-19. Entrepreneurs may feel extreme crisis fatigue due to the Covid-19 restrictions and regulations in California - especially surrounding shopping and businesses. It begs… Read More

Insurance claims are all over the board this year due to the global pandemic surrounding coronavirus. The lockdowns, the restrictions and the regulations dramatically shifted how everyone approaches their daily work. The same is true for insurance claims. Recently, a study from the Workers’ Compensation Insurance Rating Bureau of California reported there were critical differences in total claims depending on… Read More

Many offices took precautions at the beginning of the pandemic, including working remotely, mask mandates in the workplace and even improved air filtration in certain corporations. However, one of the biggest challenges is social-distancing at work. To comply with the new social-distancing guidelines, many Californian businesses implemented precautions such as reconfiguring workplaces, moving more employees to remote work or limiting… Read More

Most California companies are incredibly aware of the precautions necessary to protect themselves and their customers from Covid-19. They require masks, provide sanitizer and even adopt new techniques for shopping, including curbside pickup. However, there are other ways to protect your consumers from Covid-19 that some entrepreneurs may not think about initially, including: Improve your online services As mentioned previously,… Read More

Unfortunately, California experiences its fair share of natural disasters. From wildfires to earthquakes, many Californian residents fear for their lives and their properities whenever the news reports a major disaster. However, the state's insurance commissioner announced there will be new protections to help property owners protect themselves from the devastation of the state's wildfire season. Insurers provide “adequate and justifiable”… Read More

Grocery stores are always an essential business in terms of consumers who need groceries. However, the term "essential business" took on a whole meaning under the current state regulations. Both employees and customers now face a new experience in the grocery aisles. Now, some grocery stores face backlash for not maintaining California's current regulations surrounding Covid-19 exposure and their workers'… Read More

In early September, California lifted specific restrictions related to Covid-19 and businesses. The state allowed restaurants to open patios, hair salons to cut hair with masks on and retailers to open with a minimum capacity. While some businesses celebrated the changes, there are still many entrepreneurs that are struggling financially to stay open and active with their customers. According to… Read More

California recently implemented a new requirement for all employers that creates some additional hurdles for business owners and employees alike. In mid-September, Gov. Gavin Newsom signed into law a new Covid-19 requirement. The law creates an avenue for workers who test positive for COVID-19 to file a workers' compensation claim if there is found to be an outbreak of the… Read More

Covid-19 truly revolutionized most people's workspaces as most companies required some or full-time remote work for their employees. And many business owners also shifted their work from a storefront or headquarters into their private homes. However, the shift to remote work doesn't inhibit the necessity of business insurance for most entrepreneurs. They may even extend their homeowner's insurance policy to… Read More

Most Americans know there are widespread mask mandates in public areas, and many of those Americans are happy to follow that mandate and wear their masks whenever they shop. However, some California residents continue to fight the necessity of a mask. Businesses are the first-line defense against these rebels as consumers try to refuse to wear masks while shopping. It… Read More

Many employers are tackling the pandemic head-on by adapting their stores, their business practices and even their business tactics. However, there is an important detail that business owners need to examine before the pandemic spreads, a potential outbreak. Certain strains of Covid-19 are extremely contagious, and it is easily spread through the air or through touch. It only takes one… Read More

There are only a few ways that elements like wind and fire can damage your property. But water, in all its uses, has the potential to damage our home in multiple ways. Typically, not all those damage types are covered by homeowner’s insurance policies. It may help you to know what these policies usually cover and what they do not… Read More

California as a whole has been deeply affected by the Covid-19 pandemic. It was one of the first states to shut down its borders and implement multiple restrictions, including a stay-at-home order that asked residents to remain at home as much as possible. According to the Los Angeles Times, Southern California is experiencing a resurgence in new Covid-19 cases, surpassing… Read More

The pushback on masks has been loud and clear with many customers refusing to wear masks in retailers, such as Costco, Walmart and other large companies. It puts most businesses in a tough spot as they have to decide whether or not to mandate facial coverings in their stores. According to NPR, it's happening on the local level as well.… Read More

The city of La Mesa is working with local restaurants and business owners in order to reopen businesses after a recent surge in Covid-19 cases in Southern California. City officials ask more businesses to expand temporary outdoor seating. According to ABC News, business owners will be allowed to expand outdoor seating on a temporary basis, along with: Using temporary barriers… Read More

Calfornia has finally allowed businesses to open their doors and allow customers to shop. It is a huge relief to most owners as they can return to a typical routine and recoup some of their lost profits. However, there has been a speedbump for these entrepreneurs. According to CNBC, many company owners are frustrated by the patchwork of local and… Read More

Recently, businesses suffered greatly as most owners closed their doors during the COVID-19 shutdown, and then, started opening once protests begun for the Black Lives Matters movement. It was one devastating loss after another for most entrepreneurs, and most owners already anticipate closing their shops permanently. However, some business owners want to fight for coverage for their losses through their… Read More

Insurance companies tell you they're here to protect you. When you sign on with them, you're putting everything into their hands. Your vehicle, home, business and even your livelihood may all be on the line if an insurance company doesn't live up to its promises. Unfortunately, some insurance companies put their profit first. The promises they make If you're worried… Read More

A business interruption is when you cannot continue running your company due to circumstances outside your control. Business owners across the United States have become intimately familiar with the subject of business interruptions. However, a business interruption does not need to be a global health crisis to become a threat to your livelihood. Insurance coverage for extreme circumstances According to… Read More