A safe and secure workplace is essential for both employees and employers. Unfortunately, workplace violence is a growing concern across industries, ranging from verbal threats to physical harm. According to the Occupational Safety and Health Administration (OSHA), workplace violence is the second leading cause of fatal occupational injuries in the U.S. While it’s impossible to predict every threat, proactive prevention strategies can help businesses identify risks, implement safety measures, and stop violence before it escalates.
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In this article, we’ll explore key warning signs, prevention tactics, and how businesses can create a culture of safety and preparedness to protect their workforce.

​Earthquakes are a reality for Californians, yet a surprisingly small percentage of residents—homeowners, landlords, and business owners—carry earthquake insurance. For many, the decision to go without coverage is driven by common misconceptions about federal aid, affordability, or a belief that their property is at low risk. Unfortunately, these myths can leave property owners financially vulnerable when disaster strikes.

In this article, we’ll explore what earthquake insurance covers, how coverage for residential and commercial properties differs, and why it’s essential for protecting your home, rental property, or business.

​Owning and managing older apartment buildings in California can be rewarding, but it comes with its fair share of challenges—especially when it comes to securing comprehensive insurance coverage. Many property owners are surprised to learn that insurance carriers often require building systems to be updated within the last 25 years to qualify for broad protection under a Special Form policy. This applies to key systems such as electrical, plumbing, roofing, and HVAC. Buildings that don’t meet this standard are frequently downgraded to Basic Form coverage or sent to the Surplus Lines market, where premiums are higher, coverage is more limited, and consumer protections are fewer.

Failing to maintain and update these critical systems doesn’t just increase the risk of costly repairs and tenant dissatisfaction, it can also leave your property underinsured, jeopardizing lender requirements and long-term financial stability.

The 1994 Northridge Earthquake stands as one of the most significant seismic events in California's history—not just for the devastation it caused, but for how it fundamentally reshaped the earthquake insurance market. The quake revealed critical gaps in coverage, prompting insurers to withdraw from the market and leaving homeowners, landlords, renters, and business owners struggling to find affordable options.

In this article, we explore how the Northridge Earthquake led to the creation of the California Earthquake Authority (CEA), how coverage options have changed, and why earthquake insurance is more vital than ever.

California’s commercial property owners face unique challenges when it comes to keeping their investments secure. One key factor that affects both insurance costs and coverage options is the condition of major building systems. Electrical, plumbing, roofing, and HVAC systems need to be updated within the last 25 years for properties to qualify for the broadest form of coverage, Special Form policies with Replacement Cost Value (RCV). Without these updates, building owners often find themselves limited to more restrictive commercial insurance policies or pushed into the Surplus Lines market.

By understanding the relationship between building maintenance and insurance eligibility, property owners can take proactive steps to protect their properties, meet lender requirements, and maintain tenant satisfaction.

Running a business comes with risks—some you can anticipate, and others that catch you completely off guard. Whether it’s a natural disaster, fire, theft, or a forced closure, unexpected disruptions can lead to huge financial losses. That’s where Business Interruption Insurance comes in.
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Many business owners focus on property insurance to cover physical damage, but what happens when you can’t operate for weeks or months? Without business interruption coverage, your revenue stops while expenses continue to pile up. In this guide, we’ll explore how Business Interruption Insurance can be a lifeline for your business, helping you stay afloat during uncertain times.

​Sturgill Simpson has never been one to play by the rules of the music industry, and his latest venture under the name Johnny Blue Skies is further proof of his fearless artistry. Passage du Desir is more than just an album—it’s a statement. It blends country, blues, soul, and progressive rock into a seamless listening experience that refuses to be confined to a single genre. Each song stands as its own world, offering something unique, yet collectively they tell a story of reflection, loss, and the search for meaning.

The Eaton Fire has left a deep scar on the Altadena community, displacing families, damaging homes, and altering the familiar landscape. As residents begin the journey toward rebuilding, many are discovering that the path is filled with complexities, from environmental concerns to permitting delays and changes in development laws. While the road ahead may be daunting, the recovery process also presents an opportunity to rethink community resilience, sustainability, and fire prevention strategies.

Buying a car is an exciting milestone, but it’s also a major financial decision that requires careful planning. With so many options, features, and financing choices available, it’s easy to make mistakes that could cost you time and money. Whether you’re buying your first car or upgrading to a newer model, having a strategy will help you avoid common pitfalls and find the perfect ride for your needs and budget.

​In this guide, we’ll walk you through smart car shopping tips, highlight mistakes to avoid, and explain why auto insurance is essential for protecting your investment.

For years, auto insurance in California was relatively stable—competitive rates, plenty of insurers, and policies that were easy to obtain. That’s no longer the case.

Today, drivers are facing skyrocketing premiums, policy non-renewals, and fewer companies willing to issue new policies. Some insurers have stopped writing auto coverage in California altogether, while others have tightened their underwriting requirements, making it harder for drivers to get insured.

At the same time, California’s homeowners insurance market is also in crisis, with drivers experiencing similar issues—rising premiums, fewer carriers, and stricter underwriting. While these two crises share some common causes, including outdated regulations and rising claims costs, they also have distinct challenges.

For auto insurance, the biggest issues aren’t wildfires or property damage—it’s the rising cost of repairs, liability claims, and increased legal settlements that are making auto insurance unsustainable in California.