How to Lower Your Car Insurance in Los Angeles

It’s absolutely no secret that Los Angeles is home to some of the most expensive car insurance rates anywhere in California today… but this isn’t necessarily something that you just have to accept and learn to deal with. Despite what you may have heard, it is entirely possible to lower your auto insurance rates in and around Los Angeles without sacrificing the types of coverage you need when you need it the most. You just have to keep a few key things in mind. (more…)

Filed under: Auto Insurance,Independent Insurance Agents — Dave Leahy @ 10:08 am January 16, 2018

Does Your Business Need New Employee Benefits?

Employee benefit policies are more than just a foregone conclusion in the minds of your workforce. They’re how you show your employees how much they matter and, in turn, how much you care about what they have to contribute. This is a large part of why an occasional employee benefit review is so important – having the right benefits program doesn’t just make it easier than ever to attract top talent. It also puts you in the best possible position to keep these valuable employees.

The Art of the Employee Benefit Review

The first step in terms of determining whether or not your organization needs new employee benefits involves conducting a needs assessment, otherwise known as an employee benefit review. Not only is it important to carefully consider the needs and wants of your employees, but you should also take into consideration what your competitors are up to. Are similar companies able to offer significantly more than you can? In the mind of a potential applicant, what do they offer that you don’t or vice versa? These are hugely important questions to understand and answer. (more…)

Filed under: Employee Benefits,Independent Insurance Agents — Dave Leahy @ 8:24 am December 29, 2017

Start 2018 with an Insurance Review

2018 personal insurance reviewThe new year is just around the corner, and it is the perfect time to conduct an insurance review. To determine if you should review your insurance at the beginning of 2018, ask yourself the following questions.

1. Is my policy up for renewal soon?

Before you renew your policy, you should always take the time to review your renewal offer carefully. Be sure to compare the renewal offer to your coverage from the previous year to identify any changes the insurance company has made. This is also a good time to look for any changes you would like to make to the policy yourself. (more…)

Filed under: Independent Insurance Agents,Personal Insurance — Dave Leahy @ 2:54 pm December 18, 2017

What to Include in a Modern Employee Handbook

If you had to sum up the major goal of a modern employee handbook, it would all come down to a single word: protection. But this protection isn’t just aimed at your employees – it’s also intended to safeguard everything that you’ve worked so hard to build up to this point in the context of your business, too. Whether you’re updating your existing handbook or creating a new one from scratch, there are a few key elements that you should definitely include.

Addressing the FSLA and FMLA

Any modern employee handbook must address certain characteristics about two major laws: the Fair Labor Standards Act (FSLA) and the Family Medical Leave Act (FMLA). More specifically, your handbook should formally outline your current FSLA classification and/or exemption status policy. Likewise, you need to address FMLA coverage eligibility and other acceptable leaves of absence (with jury duty being just one common example), along with the rights and responsibilities of both employees and you as an employer within these situations. (more…)

Filed under: Employee Benefits,Independent Insurance Agents — Dave Leahy @ 12:35 pm November 29, 2017

Your LA Business Should Have These 7 Insurance Policies

why your LA business should have business insuranceWhile it’s true that there is no “one size fits all” approach to building the right insurance policy to meet the needs of your business, there are certain factors that your policy must address to offer the type of protection you’ll need moving forward. If you’re operating a business in or around the LA area, there are seven key types of commercial insurance policies that you should consider.

1. Business Interruption Insurance

Disaster can strike at the worst possible moment, which doesn’t just mean lost productivity – it also means lost revenue as a result. Business interruption insurance is designed to compensate you for income losses during these situations, allowing you to focus more on recovery and less on the financial ramifications of the incident itself. (more…)

Filed under: Business Insurance Agent,Commercial Insurance — Dave Leahy @ 1:42 pm November 7, 2017


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