The Affluent Personal Risk Immune System

When it comes to our physical health, the immune system is the body's defense against infectious organisms and other invaders. Through a series of steps called the immune response, the immune system attacks organisms and substances that invade body systems and cause disease. 

Protecting ourselves and our families from personal risk works very much the same way. We have to go through a series of steps to boost our personal defense against unexpected, uninsured loss. 

How to Stop the Epidemic of Distracted Driving

We’re killing people, causing life-changing injuries, damaging vehicles and other property, destroying families (including those related to distracted drivers who end-up incarcerated)…not to mention, driving automobile insurance rates through the roof!

It’s an epidemic…one that we have to stop!

Each day in the United States, approximately 9 people are killed and more than 1,000 injured in crashes that are reported to involve a distracted driver.1

A Simple Explanation of Business Income Insurance

Business income insurance (also known as business interruption insurance) helps a business stay in business when a covered loss forces the business to close temporarily. It is one of the most misunderstood, and commonly underinsured, business insurance coverages.

Here is a to-the-point explanation and easy digital resources to super simplify the process of buying proper business income insurance.


How to Lower Commercial Auto Insurance Costs

The simple truth is that many commercial auto and trucking insurers are moving away from transportation risks. They’re not just pulling back…they’re actually leaving. And few new carriers are coming in. 

Sadly, for the last 20 years, commercial auto insurance (along with workers compensation) has been a loss leader for the property/casualty insurance industry. Increasing market pressure for more freight business means the need for more drivers, and an increased risk of putting untrained drivers behind the wheel, which means more exposure to accidents.

2019 OSHA Log Electronic Filing Deadlines

OSHA now requires many employers to electronically submit injury and illness data directly to OSHA.

Penalties now apply for non-compliance. 

VANTREO offers a free simplified electronic claims filing and OSHA record-keeping tool. Just ask us about it.

Here are the Deadline Dates...

2016 data due now (deadline was December 15,2017)

2017 data due now (deadline was July 1, 2018)

2018 data due March 2, 2019

Who must comply?

2018 New Work Comp Officer Exclusion Rules (SB 189)


Senate Bill 189, which becomes effective July 1, 2018, changes the definition of employee for purposes of workers compensation. The bill amends sections 3351 and 3352 of the California Labor Code and expands the scope of employees who are potentially eligible for exclusion from workers compensation coverage.

SB 189 Highlights for new and renewal CA policies effective on/after July 1