Insurance Resources

Landscapers: 5 Ways You Know You Need a New Broker

Landscapers here are 5 ways your current insurance broker is letting you down.

Flooring Contractors: 5 ways

Flooring contractors here are 5 ways your broker is letting you down.

Contractors 5 Ways You Know You Need a New Broker

Metro ensures you're never rushed into last-minute renewals or limited by insufficient options!

The Basics: What is Alternative Dispute Resolution (ADR)?

But what exactly is ADR, and how does it work? This article provides an overview of ADR, including its purpose, the procedures involved, and the benefits it offers.

ADR Terms to Know

In this article, we define important ADR-related terms to help you better understand how the process works and the roles involved.

Benefits of Liquor Liability Insurance Coverage

Liquor liability insurance generally covers damages that result from things like fights, careless behavior or automobile accidents caused by individuals who have consumed alcohol.

Weighing the Pros and Cons of ADR: Is It Right for Your Company?

In this article, we will explore the key advantages and disadvantages of ADR to help you decide whether it makes sense for your company.

Common General Liability Exposures you Should Know

Security Services Insurance: Product Highlights

Security guard insurance, armed and un-armed guard coverages, patrol services, security consulting and more. We can insure armored car risks, as well as private investigators and detectives.

California Cyber Breach Disclosure Law Guide

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BOP Basics - What's In a Bop?

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.

How to Start a Marijuana Dispensary in California

This crash-course will guide you through some of the process you'll need to start a marijuana dispensary in California.

Cover Your Buds: Insurance Considerations for Marijuana-Based Events

Learn about the important insurance considerations for businesses planning to host a marijuana-based special event.

Cannabis to Construction: Metro Insurance Services Covers California

How Metro Insurance Covers the Toughest Risks

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.

Distracted Driving Policies for Your Businesses

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.

Event Legal Exposures Checklist

The Differences Between Excess Liability and Umbrella Insurance

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.

The potential risks associated with hosting a marijuana event without insurance

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.

Hip Hop Event Supplemental

Fill out this form when you're ready to bind coverage for your hip hop event.

Employee Benefits Liability

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered.

Contractors Pollution Liability Insurance

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 sheet

Hip Hop and Rap Event Insurance 101

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.

OSHA's COVID-19 Vaccination and Testing ETS

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.

Insurance Guide for Building Cleaners, Day Porters, and Commercial Janitorial Companies

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.

Metro Wants Your Referrals

Metro Insurance loves referrals. Let us help your friends, vendors and clients and we'll make it worth your while. Contact us today!

Construction Risk Advisor July 2021

Check out this construction newsletter for the latest tips and advice on risks and exposures in the construction industry.

Cyber Risk Exposure Scorecard

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.

Recommended Insurance Coverages for Software and Game Developers

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.

Tech Insurance Terms to Know

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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Common Exposures for Janitorial and Day Porter Companies

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.

Managing Your Total Cost of Risk

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?

Lower Costs by Implementing Safety Programs

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.

FSA, HRA and HSA Explained

Know the difference between the different kinds of group medical payments options.

Disclaimer

Group Medical Participation Guidelines

This article shows all the different carrier's participation guidelines.

California Health Insurance Mandates and Employment Laws

State health insurance mandates are laws regulating the terms of coverage for insured health plans. Mandates can affect various parts of health insurance plans.

Errors & Omissions Insurance: A Cost-effective Approach to Protecting Your Business

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.

Product Liability Insurance

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.

Indemnity Agreements and Additional Insured Endorsements

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.

General Liability Insurance: Your Defense Against Liabilities

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.

Minimum Auto Insurance Requirements By State

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.

Common Commercial Auto Terms

There are lots of different terms you should know when in comes to commercial auto insurance. Here's some of the most popular!

Commercial Auto Basics

Learn the basics of commercial auto coverage.

Frequently Asked Questions About Workers' Compensation Insurance

Have questions about worker's compensation? We have answers. This article features the top frequently asked questions about workers' compensation.

Five Strategies for Reducing Workers’ Compensation Costs

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.

Worker's Compensation Terms to Know

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.