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

15 Key Reasons Why Business Insurance Claims Go Unpaid

Too often when a business insurance claim goes unpaid, the insurance agent gets fired by the insured. Sometimes an errors and omissions claim is made against the agency. Regardless of what comes down, the situation evokes fear, is time consuming and often expensive, and can irreparably damage relationships.

They say forewarned is forearmed. So we tracked down the most common reasons a business insurance claim is not paid.

15 Key Reasons Business Insurance Claims Go Unpaid


Important Update - Federal OSHA Electronic Reporting Deadline

On April 30, 2018, federal OSHA announced that employers in state plans currently without electronic reporting regulations (California, Maryland, Minnesota, South Carolina, Utah, Washington and Wyoming) must submit their injury and illness data through OSHA's online portal even if their state has not yet adopted their own state rule.

Designated employers are required to provide Form 300A data covering calendar year 2017 to federal OSHA by July 1, 2018.

Top 10 Firestorm Insurance Lessons

The number one thing we learned from the 2017 Santa Rosa firestorm is that at least 50% of the fire victims were underinsured.

Below is a link to download a pdf list of the top ten things this fire taught us that every consumer should know before purchasing a Homeowners policy. 



New Rules - 2017 CA WC Officer Exclusion

Here is important information that may affect the cost of your workers compensation insurance. The passage of AB 2883, which amends Labor Code sections 3351 and 3352, changes the definition of “employee” and who may be excluded from workers compensation coverage..  Effective January 1, 2017, all work comp policies (including those already in-force) will be required to cover certain officers and directors who may have previously been excluded from coverage.

Here are the key provisions:

Indispensable Time Management Advice!

The workshop is over. People are filing out of the room. One insurance client who's attended before, lags behind. I assume he has a question, so I ask him, "Was this helpful?" He responds, "Oh yes, but I thought I should tell you something you might want to know." Wondering whether I had some wardrobe malfunction or made an error in my presentation, I ask, "What is it?" He replies, "Under this suit and tie, I'm completely tatted." I'm speechless for a second. "O...K..." I find myself saying slowly, eyes wide open, never expecting what he'd reveal next.