November 18, 2025
AgencyUnderstanding Specialty Coverages: Bonds, Professional Liability and Commercial Umbrella
Navigating the world of business insurance in California can be complex, especially when it comes to certain coverages. While several types of insurance may be commonplace for most commercial entities, certain, more specialized measures, such as professional liability and commercial umbrella insurance, and business bonds, can require help from a knowledgeable agent. To that end, the team at is standing by to […]
October 28, 2025
AgencyHow Homeowners Can Protect Their Property From Wildfire, Coastal Erosion, Flood and Sewer Backup
Living in California offers many rewards, but it also means facing unique property risks. From wildfires in the hills to coastal erosion along the shoreline, and from sudden floods to unexpected sewer backups, our homes are exposed to various natural and manufactured threats. The team at understands these challenges and is committed to helping our […]
August 18, 2025
AgencyDo You Need Auto Insurance Add‑Ons? Why Accident Forgiveness and Rental Reimbursement Matter
Accident forgiveness and rental reimbursement are often optional add-ons you can consider for your personal auto insurance policy. But do you actually need them? While you aren’t required to add these options, they can be useful in certain situations. What Is Accident Forgiveness? Accident forgiveness is an optional add-on to many auto insurance policies and […]
June 19, 2025
monroekellyinsThe Rise of Usage-based Home Insurance: What You Should Know
Smart home technology is revolutionizing how insurance providers assess risk and determine homeowners insurance rates. Devices like smart smoke detectors, water leak sensors, security cameras and thermostats enhance convenience and safety while providing insurers with valuable data that can lead to lower premiums. Impact of Smart Home Technology on Homeowners Insurance Insurance providers are increasingly […]
May 12, 2025
monroekellyinsHow Pets Affect Your Renters Insurance
Pets are beloved members of many households, yet their presence can influence your renters insurance in several ways. Understanding these impacts can help you check you have adequate coverage. Liability Exposure Owning a pet increases your liability exposure. For example, if your dog bites someone or causes injury, you could be held financially responsible for […]
April 17, 2025
monroekellyinsWhat Happens If You Miss a Life Insurance Payment?
Investing in life insurance can make all the difference for you and your loved ones following tragic losses. As your family attempts to deal with an already difficult situation, a life insurance payout can provide a desperately needed reprieve for those in mourning. However, maintaining coverage and death benefit eligibility typically requires keeping up with […]
March 19, 2025
AgencyPeace of Mind for Hospitality Owners: General Liability Coverage Explained
Running a hospitality business, whether a hotel, restaurant or event venue, comes with its unique challenges and risks. One of the most crucial aspects of managing these risks is securing general liability insurance. This coverage is essential for protecting your business from potential financial setbacks due to unforeseen incidents. What Is General Liability Insurance? General […]
February 24, 2025
AgencyWhy You Should Work With a Professional Who Can Tailor Policies
The right insurance policy can make all the difference when facing the financial aftermath of an accident or other unexpected situation. When considering coverage for your home, car, health or business, sufficiently assessing and accurately addressing your insurance needs is critical. Fortunately, a dedicated and knowledgeable insurance professional, such as those at , can help […]
January 27, 2025
AgencyTax Implications of Insurance
Your insurance policies can offer essential financial protection from unexpected events and accidents. However, premiums can represent significant expenses and may also involve complicated tax implications. At , we’re happy to offer guidance on these potentially complicated and confusing subjects. How Different Types of Insurance May Influence Tax When considering your various insurance policies, it […]
December 16, 2024
AgencyWinter Weather Safety and Workers’ Compensation
Winter weather in California, while generally milder than in many other states, can still pose significant risks to workers, especially those in outdoor or physically demanding jobs. Understanding the importance of winter weather safety and the implications for workers’ compensation is crucial for both employers and employees. Winter Weather Safety Tips Consider the following safety […]