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Leap / Carpenter / Kemps Business Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
 

You Should Really Love Your Business Liability Insurance

POSTED: November 05, 2017

Most of us would never say we love our insurance. In fact, most clients don’t even read their business insurance policy. Maybe after you read this story you may have a different opinion.

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California Workers’ Compensation Best Practices

POSTED: November 05, 2017

 As a California business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans, accidents can happen and Workers’ Compensation...

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Who Needs California Workers’ Compensation?

POSTED: November 05, 2017

If your company has employees, you are required to buy workers’ compensation insurance. Some states do allow people to opt out of the system if they can prove financial responsibility, but that is...

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California Laws That Impact Your Business

POSTED: November 05, 2017

Every California business must follow federal, state and local laws. Failure to follow these laws can create risk and liability for your business. Your business insurance may respond to these...

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Combine Business Insurance Policies and Save Money

POSTED: November 05, 2017

Business InsuranceThe world is changing, and we understand the many issues that businesses face every day. There is constant competition for your customers, there are challenges in attracting and...

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Contractors Insurance

POSTED: November 05, 2017

Our agency provides contractors insurance and risk services to the construction industry. Insurance can play an important role in “on time and on budget” projects. If your insurance coverage is...

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Cyber Liability in California a Major Concern for All Businesses

POSTED: November 05, 2017

Cyber liability is fast becoming a common term for small to medium sized businesses in California. If you own a business in California with less than 50 employees you actually have a better...

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Director & Officers Liaility Insurance… Should Every Business Consider It?

POSTED: November 05, 2017

Lawsuits against Directors and Officers are increasing at an alarming rate. There is no doubt that many firms are managed by people who have good motives and high standards. However, we live in a...

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Will Workers’ Compensation Change with the Times?

POSTED: November 05, 2017

Workers’ compensation is designed to protect injured workers from on the job accidents or injury.  Workers’ compensation also protects employers from large medical bills and time-loss claims....

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A Key To Your Workers’ Compensation Success

POSTED: November 05, 2017

Understanding the difference between an employee and contractor Today more than ever businesses are evaluating the need for full time vs. part time employees. Many firms are also considering...

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Insure Your Business and Prepare a Business Continutity Plan

POSTED: November 05, 2017

 A Business Insurance Update

No one wants to think about an event so severe that it would cause your business to close.  However, disaster planning needs to be part of your ongoing business plan. ...

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Employer Healthcare Mandate Delayed

POSTED: November 05, 2017

In an interesting development, the portion of the Affordable Care Act (ACA) that requires employers over 50 employees to provide health insurance has been delayed. This requirement calls for a...

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Even Small Businesses Have Big Risks

POSTED: November 05, 2017

Many think that operating a small business has little or no risk. The fact is, operating a small business has just about the same risks as any other business. Employees can still sue you, you can...

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5 Critical Facts About Commercial Umbrella Insurance

POSTED: November 05, 2017

California Commercial Umbrella Insurance

Almost every business large or small needs some level of added protection afforded by a commercial umbrella insurance policy. A commercial umbrella policy...

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4 Things to Review Prior to Signing any Contract

POSTED: November 05, 2017

Contracts are signed in business every day.  Contracts can include property lease agreements, equipment lease agreements, service agreements, and employment contracts.  It is an important part of...

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Has Your California Business Overlooked These Insurance Needs?

POSTED: November 05, 2017

 Business Insurance Update From Leap / Carpenter / Kemps

There is nothing more important than having the right commercial insurance for your business. Let’s face it, one uninsured loss could be ...

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Heat-Stress Prevention From Leap / Carpenter / Kemps Insurance

POSTED: November 05, 2017

As summer approaches, workers all over the state of California will experience the risk of heat stress.  Heat stress is especially prevalent in the summer months.

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How Leap / Carpenter / Kemps Helps Build a Business Insurance Program

POSTED: November 05, 2017

The purchase of business insurance is an essential investment for business owners. Insurance policies protect the business from the financial consequences of accidents and mishaps that could...

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How to Build a Good Relationship with Your Commercial Insurance Company

POSTED: November 05, 2017

Commercial insurance is about developing relationships between the insurance company and the customer, or business. The more your insurance company knows and understands your risk, the lower your...

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Does Your Business Need Professional Liability Insurance?

POSTED: November 05, 2017

A Business Insurance Update

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These claims could include bodily injury and property...

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How to Keep Your Company Holiday Party Safe for All

POSTED: November 05, 2017

Business Insurance And Risk Management Tips

As we close the year out, many businesses will be hosting company parties.  Business owners, executives, and human resources personnel need to make sure...

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How to Protect Your Business from Being Sued by Employees

POSTED: November 05, 2017

California Ranks High In Probability Of Litigation On average, a business in the U.S. has about a 12% chance of being involved in an employment lawsuit. California has very aggressive employment...

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Workers’ Compensation Tips from Top Risk Managers

POSTED: November 05, 2017

Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been tracking these tips over the past year and thought we...

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How to Serve up California Restaurant Insurance

POSTED: November 05, 2017

Restaurants, Bars, Taverns and Catering Services

Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting place for friends and family, and you have regular...

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How to Stay Safe During an Active Shooting Situation

POSTED: November 05, 2017

It is hard to believe we have to talk about this, but given the world we live in, it may be time to address this situation.  Our thoughts and prayers are with all the families that have suffered...

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Insurance Truths You Can Count On

POSTED: November 05, 2017

 These Truths Apply To Personal And Business Insurance

One of the most important things to consider when considering your personal or business insurance is, “What is the purpose, or goal, of...

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How to Insure Your California Restaurant

POSTED: November 05, 2017

A California Business Insurance Update

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Is Your Company Picnic Covered by Your Insurance?

POSTED: November 05, 2017

A Business Insurance Review

Many businesses are preparing to have their annual company picnic.  These are great events to gather team members and families together to celebrate, bond and have...

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Have Fun at the Pool… But Be Safe

POSTED: November 05, 2017

Summer time is the time to enjoy the great California outdoors with family and friends. Many California homeowners have pools or hot hubs. Your homeowners Insurance through Leap / Carpenter /...

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Is Your Workplace Safe?

POSTED: November 05, 2017

A Business Insurance Update – How to Develop a Safer Workplace

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Is Your Business Ready for the New DOL Overtime Rules?

POSTED: November 05, 2017

California Business Insurance Update

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Are You Starting a New Business  in California?

POSTED: November 04, 2017

California Business Insurance

Startup businesses in California are exposed to a wide variety of issues including business insurance, risks, and concerns. There are many different decisions that,...

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Miscellaneous Professional Liability Insurance, or E&O

POSTED: November 04, 2017

Today, almost any business can find itself facing a liability lawsuit. A Miscellaneous Professional Liability lawsuit can put owner’s and other executive’s personal assets at risk including...

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Risk Management Mistakes Can Cost Your Business

POSTED: November 04, 2017

Risk is something every business is exposed to every day.  California businesses have risk of fire, theft, employee injuries, and more.  Businesses can transfer some of the risk through business...

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Start Your 2018 Business Insurance Planning Today

POSTED: November 04, 2017

We live in world that is changing by the moment. These changes create risk trends that will impact your business. As you start your planning for 2016, we thought you might want to consider these....

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Stop Bidding Out Your Business Insurance

POSTED: November 04, 2017

Hire a Qualified Independent Agent

Most business owners don’t look forward to bidding out their commercial insurance. There are many good reasons why -- you are not an insurance expert, it takes...

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The New Economy Creates New Business Risks

POSTED: November 04, 2017

Workers’ Compensation Must Respond to the New Economy

Every business has faced issues related to the new economy. The new economy involves how work gets done in today’s millennial environment....

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The Top Commercial Insurance Myths

POSTED: November 04, 2017

There are many insurance myths floating around, and most of them have been around for years. We want to respond to these myths with clear information, so that you can make educated decisions...

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The Top Google Searches on Business Insurance

POSTED: November 04, 2017

Our Business Insurance Answers

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Top Risks of Transporting Goods

POSTED: November 04, 2017

California business insurance can cover property while in transit

Many businesses have the exposure of their goods and products being transported by a common carrier, local hauler, or even through...

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Two New Areas of Employment Litigation

POSTED: November 04, 2017

Whether you are a large corporation or a small business, the employer/employee relationship has changed. In today’s world, employers can no longer assume all employment relationships will go...

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We Can Help You Survive a Business  Interruption

POSTED: November 04, 2017

 A Business Insurance Update

Have you considered the cost to you if your business had to shut down for a week, month, or even longer?  We have, and we can offer a few tips to help your business...

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What is My Total Cost of Risk?

POSTED: November 04, 2017

7 Commercial Insurance Policies to Protect Your Business

POSTED: November 04, 2017

Commercial Insurance The world is changing, and we understand the issues your business faces every day. There is constant competition for your customers, there are challenges in attracting and...

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Why Should Safety Be Part of Your Workplace?

POSTED: November 04, 2017

There is no question that there is a direct relationship between workplace injuries and employee performance. If an employee feels that management places an importance on safety, more work will...

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EPLI Comes into Play When Employees Sue Employers

POSTED: November 03, 2017

What you need to know about discrimination claims and how Employment Practice Liability Insurance can help

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Best Practices for Property Losses

POSTED: November 03, 2017

 

California Business Insurance Update
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6 Things Business Owners and Property Managers Should Consider Before Hiring a Contractor

POSTED: November 03, 2017

Finding the right contractor to perform quality work on time can be a challenge for many California property managers or business owners. It may also be a good idea to contact the Better Business...

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California Artisan Contractors Insurance

POSTED: November 03, 2017

Artisan Contractors Need the Right Kind of Insurance

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Busting the Top 6 California Business Insurance Myths

POSTED: November 03, 2017

Control Workers' Comp Costs by Reducing Your Mod

POSTED: November 03, 2017

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums.  Workers’ Compensation Coverage provides medical,...

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Does Your Business Need Crime Coverage?

POSTED: November 03, 2017

A Business Insurance Update

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Does Your Business Need Product Recall Insurance?

POSTED: November 03, 2017

Product recall insurance covers expenses associated with recalling a product from the market.  Product recall insurance is typically purchased by distributors, manufacturers, some retailers, and...

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5 Reasons Your California Business Needs Employment Liability Insurance

POSTED: November 03, 2017

Employment risks are some of the most serious faced by California employers. These risks can include sexual harassment and discrimination. Employment litigation can destroy a firm large or small. ...

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Hidden Costs of a DUI

POSTED: November 03, 2017

 Auto Insurance Update

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The Most Common Insurance Claims in the Fall

POSTED: November 03, 2017

Did you know that the insurance industry can tell you what the most common claims are for each month? Insurance companies keep very accurate and detailed records of when claims occur and what...

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