The Impact of "Makeovers" on Business Insurance

The world loves a "makeover".

Weight loss, home flips, business renovation, acne treatments, hair restoration, cosmetic dentistry, makeup, plastic surgery, and the list goes on.

Watching the seemingly impossible become reality and learning what it takes to reach the goal is incredibly motivating.

We also love to compare things... price, service, value, etc. What's interesting is that we really don't want to do the research or the work ourselves. We want someone else to do the "before and after" for us so we can simply "decide".

The "New Employee Safety Orientation" That Stops Claims

The foundational success factor in achieving a "loss-free" corporate culture, and in lowering workers compensation cost, is in how we explain (or fail to explain) our approach to safety to new employees.

Big Mistake

It's a big mistake to begin a safety orientation by outlining how much injuries cost the organization, or how work comp fraud will not be tolerated. These topics, while internally relevant, send the wrong message to new employees.

We need to assume that new employees are honest, committed, and  have joined us to bring their "A-game".

The 5 minute Business Income Application - Hold onto this one - It can save a lot of time!

The Critical Reason to Carry Business Income Insurance

Business Income insurance, in general, pays for a business’ net income (or loss) plus continuing normal operating expenses, including payroll, in the event of loss resulting from damage to insured property.

Most of the contracts business owners sign will have insurance provisions that often include business income coverage requirements.

This is critical insurance for business recovery in the event of catastrophic loss.

A Difficult Application

Extra Insurance Protection for Board Members!

If you hold a "board member" position, are considering such a position, or are trying to attract high level professionals to your board, the D&O insurance in place to protect board members is an important consideration. The traditional directors and officers policy is often not enough.

This is a "heads up" regarding the extra coverage (beyond traditional directors and officers insurance) that organizations and board members should seriously consider.

What is Directors and officers liability Insurance?

Homeowners Earthquake Insurance Must Knows

October 9th marks the two year anniversary of the devastating Santa Rosa firestorm. Like thousands of others, the Wallace family lost our home in that firestorm and are still living in its aftermath.

Insurance saved us.

My new motto..."Well-considered insurance coverage, with ample policy limits, is "gold" in the event of a catastrophic loss." It puts you at the front of the line with just about everyone you need to help you post-loss.

This brings us to "homeowners earthquake insurance".

How To Get People To Do What You Want Them To Do

Learn How "Simple Agreements" Achieve Success


In business, success is about getting a few very important things done well.

The top 3 priorities are to wow consumers, increase sales, and maximize EBITDA. Simply communicated, every team member must understand that the work he/she does must drive some aspect of these 3 priorities.

Day-to-day, we want people to eliminate mistakes, prevent drama, and hopefully never need to file a work comp claim...just to name a few.