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by Craig Davis
I’ve been working in the insurance industry for just over 36 years and coming up on 33 years as an agency owner. I have navigated my insurance agency through many changes in the industry over the years, including the Fire Insurance Moratorium in California following the Northridge Earthquake in 1994, when 93% of major insurance […]
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by Craig Davis
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. This is especially true in the pandemic world we currently live in. A slip […]
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by Craig Davis
If you own a home in Southwest Riverside County, or anywhere in California for that matter, you’ve likely been affected by fire line scores for your Fire Insurance/Homeowner policy. So, what is a fire line or wildfire score? The majority of California homes have a wildfire or fire line score, a property specific rating provided […]
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by Craig Davis
Each year when Spring rolls around, I remind everyone of the importance of reviewing their insurance portfolio. A change in marital status, birth of a child, new job, or the purchase of a home are just a few of the prime examples that create overlaps or gaps in coverage. Now, throw in the Covid-19 Curveball […]
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by Craig Davis
Did you know that most burglaries happen between 10am and 3pm? When you are out of the house, make it harder for a burglar to break in with these simple and safe tips. Landscape strategically- A few well-placed motion-sensor lights, some thorny bushes or plants, and a couple of prune trees can do wonders for […]
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by Craig Davis
I have mentioned the importance of reviewing your insurance portfolio in the past and it has never been more significant, especially with the unfortunate insanity that we have all had to endure this past year with Covid-19. Several small businesses in our community have suffered, particularly restaurants and those in the hospitality industry, including our […]
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by Craig Davis
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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by Craig Davis
Minimum coverage options: Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike. Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services. Workers’ Compensation Insurance can satisfy your […]
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by Craig Davis
I am extremely proud that our little family insurance agency will be celebrating our 30th year in business on October 16th. I began my career with Farmers Insurance in July of 1987 in the Carlsbad Regional Office Mailroom. I was a 21-year-old kid that planned on working in the regional office for the summer, before […]
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by Craig Davis
Are you convinced that life insurance is important for you, but don’t want to spend weeks running around comparing rates and providers? Here are eight critical questions to ask your agent about life insurance. Keep in mind, these probably aren’t the only questions you have, but they’re the ones you won’t want to leave without […]
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by Craig Davis
What’s in your commercial real estate portfolio? Maybe your renovated strip mall is attracting upscale tenants. Perhaps your family business thrives on a mix of industrial properties, warehouses and distribution centers. Or you might own office buildings and self-storage facilities. Each commercial property is unique, and an insurance agent/broker can show you a full menu […]
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by Craig Davis
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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by Craig Davis
The California workers’ compensation marketplace today remains generally healthy for insurers, employers and injured workers, according to Bill Mudge, President and CEO of the Workers’ Comp Insurance Rating Bureau. Mudge said a stable lost cost environment coupled with the growing California economy has contributed to eight consecutive advisory pure premium rate reductions approved by the […]
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by Craig Davis
My wife Kathy and I are extremely blessed that our Davis Family Agency is able to service our Farmers Insurance customers from home during the Stay at Home Order. As you can imagine, the turnaround time will likely be a little slower, but the service will remain strong. I’ve spoken to friends that own insurance […]
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by Craig Davis
Quick take: Reasons to consider renters insurance Renters insurance can help you repair or replace property after loss due to many types of damage or theft. It can provide coverage for an accident on your property. Policies have very affordable annual premiums. Your landlord’s property insurance doesn’t cover your personal property. Q: I just got […]
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by Craig Davis
PART OF THE BUILDING Tenants improvements and betterments are paid for by the tenant but become part of the building. Unless a contract states otherwise, the landlord generally obtains ownership of the upgrades once they have been installed. The tenant maintains an insurable interest in the use of the improvements. The tenant’s interest in the […]
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by Craig Davis
We are coming up on the 26th Anniversary of the devastating 6.7 Magnitude Northridge Earthquake that occurred on January 17, 1994. As I type this, a 4.3 Magnitude Earthquake was recorded today (December 17, 2019), 21 miles from Paso Robles, CA. I published an Earthquake article with The Valley Business Journal in August of 2016, […]
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by Craig Davis
The California workers’ compensation marketplace today remains generally healthy for insurers, employers and injured workers, according to Bill Mudge, President and CEO of the Workers’ Comp Insurance Rating Bureau. Mudge said a stable lost cost environment coupled with the growing California economy has contributed to eight consecutive advisory pure premium rate reductions approved by the […]
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by Craig Davis
Generally, your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a rideshare driver with companies like Uber. And, rideshare companies’ full commercial liability 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 […]
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If involved in a collision, there are specific actions to take to protect your interests. The following information while not complete are the top ten suggestions: 1. STOP. Never drive away from the scene of a collision, even a minor one. Always investigate, obtain names, take pictures, etc [see below]. 2. PROTECT THE SCENE OF […]
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by Craig Davis
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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by Julie Ngo
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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by Craig Davis
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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by Craig Davis
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 […]