Domestic Employees & the Need for Worker’s Comp Insurance

The more time you spend at work, the less time you have for routine chores around the house.  Often, the solution is to hire a 3rd party contractor for occasional help. Having Molly Maids come every week or the window cleaning company that comes every spring are good examples. However, if the need is greater and a cost/benefit exists, a …

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Wildfire Protection

If you live in an area prone to wildfire, you know the threat is real and anything in the fire’s path has the potential for complete devastation.  In fact, it’s not uncommon for wildfires to destroy in excess of $250,000,000 worth of homes each year.  In order to protect the vested interest they have in preserving your home, many insurance …

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CIS of the Month: Saving Thousands on Your Guest Home

Our client recently built a large guest home adjacent to his primary home. Accordingly, he called us to report a certificate of occupancy was received and that he needed another homeowner's policy. After his probing service professional found that both homes shared the same address, we were able to cover the entire guest home by slightly raising the Other Structures …

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Theme of the Month: 4 Less Obvious Provisions that Impact Professional Liability for CPAs

No accounting firm is immune to the increased exposure to litigation due to changing tax codes, auditing standards, and the economic environment. A firm’s best protection is an E & O policy with terms negotiated in its favor.  Some terms are fairly obvious like limits and deductibles, but the devil is in the details.  Here are some thoughts on four …

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Claim of the Month: Christmas Diamonds

It was when our client lost her brand-new diamond bracelet that she realized it was never scheduled on the insurance policy. She thought the only option was reporting it under the homeowner's policy, but the $5,000 deductible exceeded the bracelet's value. When she called to schedule the replacement bracelet she told us the story. Aware that our carriers provide full coverage …

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Theme of the Month: Summer Parties and Social Host Liability

Whether you are celebrating the graduation of a child or having having a 4th of July barbecue, if you are planning to serve alcohol at any type of party, it is important to take precautions to reduce your liquor liability and make sure you are adequately insured. Click to read more on how you may take these precautions. Typically there …

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