Insurance

  • The Business Need for Disability Insurance

    Although sole-proprietorships and partnerships are generally the most vulnerable, corporations, particularly corporations built around one or two individuals, are also at significant risk.  However the business is organized, when you consider the likelihood that you or one of your key employees may become disabled, there is a clear need to protect both your personal income […]

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  • 5 Smart Tips for Parents of Teen Drivers

    Let’s be honest…parenting a teenager these days is serious business, (what with the Internet, social media, smart phones, texting, and all that loud music!) and getting them ready for the road can be terrifying. So to help make your teen smarter behind the wheel plus help stop your hand from shaking as you hand over […]

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  • AB 2883: New California Workers’ Comp Law Effective January 1st

    Effective January 1, 2017, California has amended the definition of an employee under Workers’ Compensation law and who can elect to be excluded from having workers’ compensation coverage.  Specifically, an officer or member of the board of directors of a corporation must own at least 15 percent of the issued and outstanding stock of the […]

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  • What Can Pet Insurance Cover?

    Farmer’s has chosen Pets Best, a trusted leader in Pet Insurance to offer the following coverages: Accident & Illness Plans: Protect your pet by making sure that they’re covered for unexpected accidents and illnesses. Plans from Pets Best offer you comprehensive coverage for: Injuries Illnesses such as allergies and diabetes Surgeries Hereditary and congenital conditions […]

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  • Earthquake Insurance

    Why Earthquake Insurance?  Earthquakes can do a great deal of damage to a home and the personal possessions in it.  A severe earthquake can completely destroy a home and its contents.  Such a loss, if uninsured, could devastate most individuals and their families. Excluded from Standard Policies – In most homeowners, renters, and condominium unit […]

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  • Your Business Insurance Options Explained

    While your day-to-day operations are complex, understanding Business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount […]

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  • Personal Umbrella Liability Insurance

    Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind. If the unexpected occurs, do you have enough liability limits to protect your and your family’s assets the way you want? If you were found liable for an accident, would your current liability limits […]

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  • Does Your Policy Cover Earthquakes?

    Facts About Earthquakes and Earthquake Insurance Rates for Earthquake insurance can vary significantly. Generally, in earthquake-prone areas, the cost of this insurance is relatively high. In other areas, it is relatively inexpensive. In California, Earthquake insurance is issued by an independent organization, the California Earthquake Authority (CEA). CEA policies are available through your agent. There […]

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  • Fire Season Is Early, So Be Prepared…

    Every weather expert predicted a fierce El Nino to hit Southern California this Winter, unfortunately we never received the needed precipitation.  With that said, we don’t need experts to tell us that Fire Season will likely be arriving early this year, that’s evident by the recent wild fires burning in the Santa Barbara and Duarte […]

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  • Spring Cleaning…..It’s Not Fun, But it Has to Be Done!

    I wrote an article for The Valley Business Journal a year ago this month titled ‘The Importance of Reviewing Your Insurance’ and it basically stated the obvious, as your life changes, so should your policies. A change in marital status, birth of a child, new job or the purchase of a home are just a […]

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  • 5 Smart Tips for Parents of Teen Drivers

    You knew this day would come, but who knew it’d be so soon!? Wasn’t it yesterday you were putting them in their car seat, pushing them in a stroller, and teaching them to ride a bike? Now they’re ready to drive! When the heck did that happen!? Let’s be honest…parenting a teenager these days is […]

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  • Don’t Let Spring Weather Melt Away Your Safe Driving Habits

    The snow and ice may be gone for much of the country, but it’s important for drivers to stay “street smart” this spring. Spring showers may bring dangerous driving conditions along with the flowers. In fact, wet roads can be just as slippery as ice-covered roads. Compounding matters, rainy weather can also affect driver visibility. […]

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  • Your Business Insurance Options Explained

    While your day-to-day operations are complex, understanding Business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount […]

    Read more

  • The Individual Need for Disability Insurance

    Many people believe that their biggest asset is their home.  For most of us, our biggest asset is the ability to work and earn an income.  Not being able to work – due to a job loss or a disability having taken away the ability to work is often financially devastating. Everyone who works for […]

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  • What to Look for in a Disability Insurance Policy

    Definition of disability:  Are education, experience and past earnings taken into account in determining whether the insured is qualified to resume work?  Many policies provide for an initial “own occupation” ¹ definition of disability for a specified period of time, after which a different definition of disability applies. Partial or residual benefits:  Partial or residual […]

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  • Safeguard your Business and Employees

    You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen. A slip and fall at a restaurant resulting in broken bones, an equipment malfunction […]

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  • What is Captive Insurance?

    As you make the ascension from vendor/service provider to trusted advisor, your client will come to rely on you for advice on issues that transcend your specialty or core competency. One such example is captive insurance. Once the exclusive domain of the Fortune 1000 or S & P 500, the use of captives by smaller […]

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  • Don’t Get ‘Swept Away’


    With a strong El Niño pattern in place, this winter is likely to bring wet weather to California that could cause serious flooding, even in low-risk areas. That means it’s time to prepare and buy flood insurance.   When the Federal Emergency Management Agency (FEMA) strongly urges Californians to consider Flood Insurance, we should probably […]

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  • Are You Protected When Being a Rideshare Driver?

    Your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a rideshare driver. And, rideshare companies’ full commercial coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged […]

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  • Know the Gaps

    Children and Liability Coverage Gaps: Why Parents May Need Added Coverage Like most parents, you probably have your fair share of financial worries. Paying for daily needs, stashing money away for their college education, all while saving for your own retirement…it can take a lot of planning to do it right. With so much on […]

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  • Do I Need Medicare Part B?

    People ask me all kinds of questions about Medicare. One of the most frequent concerns is whether they should sign up for Medicare Part B.  Part B is medical insurance. It covers professional fees for doctors and other health care providers, outpatient treatment, durable medical equipment, home health services, and preventive care like flu shots […]

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