California Cyber Breach Disclosure Law Guide
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Learn about the basic parts of a Business Owner's Policy/Package otherwise known as a BOP. You'll learn what they are and who they are generally for.Read more #back-to-basics
This crash-course will guide you through some of the process you'll need to start a marijuana dispensary in California.Read more #marijuana
Learn about the important insurance considerations for businesses planning to host a marijuana-based special event.Read more #marijuana
Metro specializes in writing policies for hard-to-write risks, such as high-xmods, businesses with work comp fraud issues, niche industries, excessive claims, hard-to-classify businesses, and others.Read more #back-to-basics
Distracted driving policies and trainings can mitigate risks, prevent accidents, and lead to lower insurance premiums, while keeping employees safe and reducing liabilities for businesses.Read more #commercial-auto
An unexpected accident or claim can result in skyrocketing costs that could potentially bankrupt your business. However, California business owners can protect themselves with an umbrella or excess insurance policy that provides additional coverage.Read more #umbrella
This article highlights the unique risks associated with hosting events that involve cannabis products, such as slip and fall injuries, product liability claims, and over-intoxication.Read more #special-events
Fill out this form when you're ready to bind coverage for your hip hop event.Read more #back-to-basics
Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered.Read more #general-liability #back-to-basics #construction
Contractors, no matter what industry they work in, face environmental risks stemming from operations on a daily basis. For most contractors, a single pollution incident or loss can seriously damage their reputation, operations and even their balance sheetRead more #general-liability #back-to-basics #construction
Finding insurance for an event is hard enough, but if you're a promoter of hip hop and rap events, you probably know just how difficult it can be to find affordable coverage in California and on the west coast.Read more #general-liability
To reduce the danger of COVID-19 transmission in the workplace, the Occupational Safety and Health Administration (OSHA) has published an emergency temporary standard (ETS). The ETS creates legally obligatory standards to safeguard unvaccinated employees of major employers (those with 100 or more employees) from contracting COVID-19 at work.
This handy guide will give you an overview of insurance terms and coverage you should consider when running a day porter or commercial janitorial company in California. Learn about common exposures, recommended coverages, and cost-saving measures you can take to ensure your business thrives.Read more #janitorial
Metro Insurance loves referrals. Let us help your friends, vendors and clients and we'll make it worth your while. Contact us today!
Check out this construction newsletter for the latest tips and advice on risks and exposures in the construction industry.Read more #general-liability #construction
Take this quick to determine your risk of exposure for cyber liability. When cyber attacks (such as data breaches and hacks) occur, they can result in devastating damage, such as business disruptions, revenue loss, legal fees, and forensic analysis and customer or employee notifications.Read more #back-to-basics
From pre-packaged developers like game development, to customized services like line-of-business web applications, Metro speaks your language and knows right where to go for the best coverage and pricing.Read more #back-to-basics #tech-insurance
Specialized technology insurance is relatively new and the terminology is still evolving as more claims are handled and new exposures are discovered. Here are some commonly used tech terms in the insurance industry!
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Running a janitorial and day porter service can be demanding, and it’s a constant challenge for owners to deliver exceptional service while maintaining profitability.
As a manufacturer, how do you quantify your true cost of risk? For example, if you are faced with a recall, how do you calculate your loss of reputation or market share?Read more #back-to-basics #manufacturing
Across the country, employers pay almost $1 billion per week for direct workers’ compensation costs alone, which comes straight out of company profits. In fact, lost productivity from injuries and illnesses costs companies roughly $63 billion each year.Read more #back-to-basics #manufacturing
Know the difference between the different kinds of group medical payments options.Read more #back-to-basics #group-medical
This article shows all the different carrier's participation guidelines.Read more #back-to-basics #group-medical
State health insurance mandates are laws regulating the terms of coverage for insured health plans. Mandates can affect various parts of health insurance plans.Read more #back-to-basics #group-medical
E&O insurance is supplementary liability insurance that enhances any business owner’s policy by safeguarding against catastrophic loss in the event of a lawsuit due to a negligent act, error or omission by the professional. In addition to claims of error, omission, or negligence, E&O insurance can also protect against slander, libel and breach of contract.Read more #professional-liability #back-to-basics
If one of your products harms a customer or other stakeholder in any way, they can sue your business, leading to costly legal fees and settlements that can easily reach six figures. That’s why, to protect against claims and ensure the longevity of your business, you need product liability insurance. Read on to learn all about the real-life applications of this coverage.Read more #general-liability #back-to-basics
An indemnity agreement secured by an additional insured endorsement is a risk-transfer tool that can help insulate your business from potential risks. Learn more with this informative article.
The only way to effectively protect the assets of your business is to carry adequate commercial general liability (CGL) insurance coverage. CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.
Most states require car owners to buy certain types and minimum amounts of insurance coverage before they may legally drive their cars. This chart shows the mandatory requirements for bodily injury (BI) liability, physical damage (PD) liability, no-fault personal injury protection (PIP), uninsured motorist (UM) and underinsured motorist (UIM) coverage. It also indicates which states have only financial responsibility (FR) laws. Additional information follows the chart.Read more #back-to-basics #commercial-auto
There are lots of different terms you should know when in comes to commercial auto insurance. Here's some of the most popular!
Learn the basics of commercial auto coverage.
Have questions about worker's compensation? We have answers. This article features the top frequently asked questions about workers' compensation.Read more #back-to-basics #work-comp
Are you taking advantage of these five money-saving strategies? If not, you may be missing a golden opportunity to reduce your workers comp costs.Read more #back-to-basics #work-comp
Check out this list of commonly used workers' compensation terms and their definitions. Learn about common phrases, acronyms, and terms you'll need to know to get a work comp guru.
This article provides an overview of workers' compensation insurance basics. What is work comp, why do you need it, and what it provides.