Blogs
Commercial Insurance Insights for Business Owners
Your Workers’ Comp Audit Is a Document Request, Not a Bill
Most business owners treat the workers’ compensation audit as a bill that shows up. It is not. It is a…
Your Septic Registration Expires December 31. Then Three New Laws Land January 1.
There are two deadlines sitting in front of every California septic company right now, eight weeks apart, and most operators…
The Clocks Go Back Sunday. Your Fleet’s Risk Changes Monday.
The clocks go back this Sunday, November 1. Monday afternoon, your drivers finish their routes in the dark. Most people…
Nevada’s Workers’ Comp Payroll Cap Went From $36,000 to $98,433. Here’s Who Pays for It.
For decades, Nevada capped the payroll used to calculate workers’ compensation premium at $36,000 per employee per year. Whatever an…
Insurance for California Towing Companies: What Owners Should Know
Towing is one of the hardest classes of business to insure in California, and most operators find that out the…
Your Liability Policy Doesn’t Cover the Car You’re Towing
Run this scenario in your head. A customer’s pickup comes off the deck on a freeway onramp. Nobody is hurt.…
You Bought a Truck Last Month. Your Policy Might Not Know About It.
Here’s a question worth two minutes of your time. Pull up your commercial auto declarations page. Next to each coverage…
Portable Toilet and Septic Operators: What’s in Your Tank Isn’t Covered
Two things happened to portable sanitation operators in California this month, and only one of them shows up on an…
Your Law Firm Has Malpractice Coverage. That Doesn’t Mean This Claim Is Covered.
A demand letter shows up on a Tuesday. It’s about a matter your firm closed in 2021. A former client,…
California Law Firms Face an 18.3% Workers’ Comp Benchmark Increase: What to Check Before Renewal
On September 1, 2026, the advisory pure premium rate for California class code 8820, Law Firms, went from $0.180 to $0.213…
A Contractor’s Guide to What Actually Changed
The September 1, 2026 changes to California workers’ compensation took effect two days ago. If your policy renews between now…
How Your X-Mod Is Actually Calculated in California — And Where You Can Move It
Most California employers know their X-Mod is a number that makes their workers’ compensation premium go up or down. Far…
SB 216 and Your CSLB License: What California Contractors Actually Need to Know in 2026
If you have read that every licensed California contractor needs workers’ compensation insurance as of January 1, 2026, that information…
Carpentry Workers’ Comp: Why the 5403 to 5432 Threshold Jump Matters
If you run a carpentry or framing operation in California, the September 1, 2026 classification changes hit you harder than…
Roofing Workers’ Comp in California: Class Codes 5552 and 5553 Explained
Roofing is the hardest construction trade to insure in California, and the one where the gap between a well-structured program…
California Dual Wage Thresholds Just Went Up: What Contractors Need to Know for 2026 Renewals
If you are a California contractor, the wage thresholds that determine your workers’ compensation classification all increased on September 1,…
Workers’ Compensation for California Staffing Agencies: What Drives Your Rate
Staffing is one of the hardest classes of business to place in California, and one of the most expensive. Two…
Why Security Companies Need More Than a Basic Insurance Policy
Security companies have a unique insurance problem. On paper, two companies may both describe themselves as “security guard companies,” but…
Trucking Insurance Explained: Workers’ Compensation, Commercial Auto Liability & Physical Damage Coverage
If you own a trucking company, transportation business, or logistics operation, having the right trucking insuranceisn’t just a legal requirement—it’s…
Insurance for Non-Emergency Medical Transportation Companies: What Owners Should Watch Closely
Non-emergency medical transportation companies provide an essential service. They help seniors, patients with disabilities, dialysis patients, rehabilitation patients, and others…
Why Portable Toilet Companies Need More Than Just Workers’ Comp Insurance
If you’ve ever driven past a construction site, outdoor concert, marathon, or festival, you’ve probably seen rows of portable restrooms.…
Why Janitorial Companies Are Paying More for Workers’ Compensation in 2026 — And How to Lower Your Costs
If you own a janitorial company, you’ve probably noticed that insurance has become more expensive over the last few years.…
Why Your Experience Modification (Ex-Mod) Went Up — And What You Can Do Before Your Next Renewal
If you recently received your Experience Modification (Ex-Mod) worksheet and noticed your number increased, you’re not alone. Every year I…
Why Staffing Companies Pay More for Workers’ Compensation Than They Should
If there’s one industry where workers’ compensation pricing can vary dramatically from one company to another, it’s staffing. Over the…
Why Construction Companies Pay More for Workers’ Compensation Than They Should
If there’s one industry where workers’ compensation can get expensive fast, it’s construction. Between changing crews, subcontractors, payroll audits, and…
Workers’ Compensation Audits: 7 Mistakes That Can Cost Your Business Thousands
If there’s one part of workers’ compensation insurance that catches business owners off guard, it’s the annual audit. I can’t…
5 Practical Ways California Business Owners Can Lower Their Workers’ Compensation Costs
Workers’ compensation is often one of the largest insurance expenses a business faces. Over the years, I’ve reviewed hundreds of…
Why Some Workers’ Compensation Claims Never Seem to Go Away
A few weeks ago, I was reviewing loss runs for a prospective client who was frustrated that their workers’ compensation…