If you live with a chronic illness and are considering the prospect of purchasing life insurance, you may be wondering if your condition will get in the way of your eligibility. However, many people with chronic health conditions are still able to qualify for average life insurance rates. Of course, every person’s situation is different,…

IF you have questions about health insurance, we offer answers to some of the most common questions we hear from our clients. Which health insurance plan is the best? No health insurance plan is the best for everyone. Each individual and family has a unique situation with regard to income from work, the number of…

Car insurance policies vary in what they cover. The state mandates certain types of coverage that you must have to legally get behind the wheel. However, the mandated minimum coverage may be far too low in some situations, such as being in a hit-and-run, in an accident with an uninsured driver, or if your car…

Starting a business is no joke. It’s not for everyone. If someone says starting a business is a walk in the park, they are lying to you. From idea to implementation, the journey involves a lot of moving parts. Lot of questions to be answered and intense planning is required. Some examples of questions to…

Relax. This is a normal process. Think of it as an end-of-year review of records to ensure that your business has paid the correct premium for workers’ comp insurance. During the audit, your insurance provider usually cross reference the payroll and other records estimated at the beginning of the policy with the actual payroll and scope of work…

THE answer is coldly and astoundingly, yes. All California employers must provide Workers’ Compensation benefits to their employees under California Labor Code Section 3700. If a business employs one or more employees, it must satisfy the requirement of the law. First, what is workers compensation insurance? As the term implies, it’s a compensation plan for…