From Our Blog

We work hard to be the most helpful insurance agency possible. In addition to providing personalized service, we share the latest insurance news and our knowledge with you through the dozens of relevant articles on our blogs.
 

The Hidden Costs of Driving Under the Influence (DUI)

Maybe the “one drink” you agreed to have with friends or colleagues turned into three or four as time passed. Or, perhaps you found yourself...

How California’s New Sexual Harassment Law Affects Your Business

January will bring new opportunities to your company, such as the start of a new fiscal year and possibly a new business plan. Because we work in...

Tips For Handling A Business Insurance Claim

As a responsible business owner, you've done all your due diligence to protect your investment and find the insurance policies that are the most...

What Kind Of Business Insurance Coverage Do You Need?

Every business is going to be different, just like the people who are behind that business, doing their best to expand, innovate, and grow. Some...

Must Have Insurance Policies For Contractors

The construction industry is always busy, but it’s also a business that has a lot of unique risks and challenges. Unlike many other ventures,...

Things You Didn't Know Your Business Insurance Might Cover

Most people, especially in business, are familiar with the basic concept behind insurance. It is "contingency money" to provide some financing in...

The Coverage Every Employer Needs But Few Purchase

Every employer works very hard to provide the best environment for their employees to be successful, but no matter how hard we try, we are at risk...

Stop Settling For Cheap Insurance — Hire the Insurance Team You Need

Do you often find yourself bargain-hunting to find the “best” deal? If so, then chances are that you’ve also searched for the most cost-effective...

Why Am I Stuck with the Same Old Workers Compensation Policy? (Part 2)

In the previous article, we discussed alternatives to the standard, guaranteed cost program when your company is large enough and has really good...

Why Am I Stuck with the Same Old Workers Compensation Policy?

Business owners go about their day doing what they do best — running their business. But once a year they receive a visit from their insurance...

Business Insurance Jargon Every Business Needs to Know

Just about every industry has a distinct vocabulary that may be foreign to others. From doctors to lawyers to banks to architects, almost every...

3 Easy Tips to Help Prevent a Cyber Breach

Cyber breaches are on the rise and increasingly appear in the news. Personal information is gathered and stored on computer systems more and more...

Everything You Should Know About Errors and Omissions Coverage

Errors and omissions insurance is a type of specialized insurance that can protect you and your business in the event of a lawsuit. It's critical...

How to Find Out if You're Overpaying for Business Insurance

Business insurance comes in many shapes and sizes, and although it’s necessary for companies to have it, it’s still possible that you're paying...

How Mismanaged Risk Management Costs Your Business

Risk management is all about evaluating financial risk in order to protect your business and minimize potential losses; a vital task that...

Does Your Business Need Employment Practice Liability Insurance?

Employment practice liability, or EPL, is a set of United States laws that protect employees from mistreatment. It deals with claims of illegal...

A Look Inside How Agents Help Businesses Get The Right Insurance

Choosing business insurance is like choosing a babysitter.

When you pay somebody else to step in and take care of something that you treasure, you...

7 Common Mistakes Businesses Make When Buying Insurance  

Business insurance is just as important as providing amazing services and products to your customers because it helps protect your business...

Why You Should Bring Your Agent in to Talk to Employees

Your business may offer benefits to your employees, but how much do those employees understand about their options?

In most cases, employees still...

5 Important Facts About Commercial Umbrella Insurance

California Commercial Umbrella InsuranceIf you own a business, you likely own some form of general commercial liability, or CGL, insurance to...

Are You Looking for a New Agent?

Can you really buy insurance on your own? Can you give yourself a physical?  Can you clean your teeth the way a dentist might?  The answer to all...

Independent Agents Can Help Reduce Workers’ Compensation Costs

Every business needs workers’ compensation insurance.  Workers’ compensation insurance is designed to help injured workers in many ways.  Workers’...

Why is Workers’ Compensation so Important?

Your business relies on employees to provide products and services to your clients.  Without a strong and committed employee base, your business...

Are You in the Market for a New Business Insurance Broker?

Are you in the market for a new business insurance broker?  Then you need to continue to read this article. Your business exposes you to considerable...

What Is so Innovative About Business Insurance?

We don’t have to tell you that we are in a very competitive business environment. If your business is not growing, it will be hard to invest in new...

Real Solutions for the Liability of Your California Business

California Businesses Have a High Probability of Being Sued

Are You Concerned About Your Business’s Cyber Risk?

Here Is Why You Should Be

How to Effectively Evaluate Your Risk Management Program

Developing a Cost of Risk Model

Can Knowing Your Cost of Risk Help Your Business?

Most businesses define their insurance program by looking strictly at premiums.  If business premiums go down, businesses tend to think things are...

How to Develop a Better Understanding of Business Liability Insurance

Your business provides goods and services as well as jobs to the community.  Running your business requires many detailed and well thought out...

The Top Business Insurance and Risk Management Trends for 2018

Is your business prepared for 2018?  If not, you had better get ready because 2018 may be filled with many twists and turns that could affect your...

Start Your 2018 Personal Insurance Planning Today

Start Your 2018 Personal Insurance Planning Today

Burglars Are Looking for Post-Holiday Bargains

A Personal Insurance Update

The Importance of Professional Liability for Architects and Engineers

Professional Liability Insurance for Architects and Engineers

You Should Really Love Your Business Liability Insurance

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...

California Workers’ Compensation Best Practices

 As a California business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans,...

Who Needs California Workers’ Compensation?

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...

California Laws That Impact Your Business

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

Combine Business Insurance Policies and Save Money

Business InsuranceThe world is changing, and we understand the many issues that businesses face every day. There is constant competition for your...

Contractors Insurance

Our agency provides contractors insurance and risk services to the construction industry. Insurance can play an important role in “on time and on...

Cyber Liability in California a Major Concern for All Businesses

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...

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

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...

Will Workers’ Compensation Change with the Times?

Workers’ compensation is designed to protect injured workers from on the job accidents or injury.  Workers’ compensation also protects employers...

A Key To Your Workers’ Compensation Success

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

Insure Your Business and Prepare a Business Continutity Plan

 A Business Insurance Update

No one wants to think about an event so severe that it would cause your business to close.  However, disaster...

Employer Healthcare Mandate Delayed

In an interesting development, the portion of the Affordable Care Act (ACA) that requires employers over 50 employees to provide health insurance has...

Even Small Businesses Have Big Risks

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...

5 Critical Facts About Commercial Umbrella Insurance

California Commercial Umbrella Insurance

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

4 Things to Review Prior to Signing any Contract

Contracts are signed in business every day.  Contracts can include property lease agreements, equipment lease agreements, service agreements, and...

Has Your California Business Overlooked These Insurance Needs?

 Business Insurance Update From Leap / Carpenter / Kemps

There is nothing more important than having the right commercial insurance for your...

Heat-Stress Prevention From Leap / Carpenter / Kemps Insurance

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

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

The purchase of business insurance is an essential investment for business owners. Insurance policies protect the business from the financial...

How to Build a Good Relationship with Your Commercial Insurance Company

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

Does Your Business Need Professional Liability Insurance?

A Business Insurance Update

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These...

How to Keep Your Company Holiday Party Safe for All

Business Insurance And Risk Management Tips

As we close the year out, many businesses will be hosting company parties.  Business owners,...

How to Protect Your Business from Being Sued by Employees

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...

Workers’ Compensation Tips from Top Risk Managers

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...

How to Serve up California Restaurant Insurance

Restaurants, Bars, Taverns and Catering Services

Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting...

How to Stay Safe During an Active Shooting Situation

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...

Insurance Truths You Can Count On

 These Truths Apply To Personal And Business Insurance

One of the most important things to consider when considering your personal or business...

How to Insure Your California Restaurant

A California Business Insurance Update

Is Your Company Picnic Covered by Your Insurance?

A Business Insurance Review

Many businesses are preparing to have their annual company picnic.  These are great events to gather team members and...

Have Fun at the Pool… But Be Safe

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

Is Your Workplace Safe?

A Business Insurance Update – How to Develop a Safer Workplace

Is Your Business Ready for the New DOL Overtime Rules?

California Business Insurance Update

Are You Starting a New Business  in California?

California Business Insurance

Startup businesses in California are exposed to a wide variety of issues including business insurance, risks, and...

Miscellaneous Professional Liability Insurance, or E&O

Today, almost any business can find itself facing a liability lawsuit. A Miscellaneous Professional Liability lawsuit can put owner’s and other...

Risk Management Mistakes Can Cost Your Business

Risk is something every business is exposed to every day.  California businesses have risk of fire, theft, employee injuries, and more.  ...

Start Your 2018 Business Insurance Planning Today

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...

Stop Bidding Out Your Business Insurance

Hire a Qualified Independent Agent

Most business owners don’t look forward to bidding out their commercial insurance. There are many good reasons...

The New Economy Creates New Business Risks

Workers’ Compensation Must Respond to the New Economy

Every business has faced issues related to the new economy. The new economy involves how...

The Top Commercial Insurance Myths

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...

The Top Google Searches on Business Insurance

Our Business Insurance Answers

Top Risks of Transporting Goods

California business insurance can cover property while in transit

Many businesses have the exposure of their goods and products being transported...

Two New Areas of Employment Litigation

Whether you are a large corporation or a small business, the employer/employee relationship has changed. In today’s world, employers can no...

We Can Help You Survive a Business  Interruption

 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,...

What is My Total Cost of Risk?

What Is My Total Cost of Risk?

This article is a continuation of our series on creating a new way of thinking about business insurance. As you...

7 Commercial Insurance Policies to Protect Your Business

Commercial Insurance The world is changing, and we understand the issues your business faces every day. There is constant competition for your...

Why Should Safety Be Part of Your Workplace?

There is no question that there is a direct relationship between workplace injuries and employee performance. If an employee feels that...

EPLI Comes into Play When Employees Sue Employers

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

Best Practices for Property Losses

 

California Business Insurance Update

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

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

California Artisan Contractors Insurance

Artisan Contractors Need the Right Kind of Insurance

Busting the Top 6 California Business Insurance Myths

Control Workers' Comp Costs by Reducing Your Mod

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers actually overpay for their workers’ compensation premiums. ...

Does Your Business Need Crime Coverage?

A Business Insurance Update

Does Your Business Need Product Recall Insurance?

Product recall insurance covers expenses associated with recalling a product from the market.  Product recall insurance is typically purchased by...

5 Reasons Your California Business Needs Employment Liability Insurance

Employment risks are some of the most serious faced by California employers. These risks can include sexual harassment and discrimination....

Hidden Costs of a DUI

 Auto Insurance Update

The Most Common Insurance Claims in the Fall

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...

How Leap / Carpenter / Kemps Insurance Helps Manage Workers’ Compensation Costs

There is no doubt workers’ compensation is a big expense for employers. There are over 4.1 million workplace injuries in the Unites States each...

Landlords and Property Managers, Are You Insured Correctly?

A quick guide to landlord and property manager’s insurance

 

2014 Medicare Prescription Drug Open Enrollment

Today starts the open enrollment period for these plans. The time to enroll or make changes to your plans runs from Oct. 15 through Dec. 7th and...

California Life Insurance Is Not Just For Families

There is no doubt that Life Insurance provides benefits and security to California families. However, many single people may not have thought of...

Disability Insurance Offers Help When You Need It Most

If you and your loved ones depend on your salary for financial support, then you probably need disability income insurance. Think about it, if you...

Physically Activity Can Affect Healthcare Premiums

There is no question that people who are physically active are healthier and happier. Employers are looking for ways to keep the escalating ...

How the Election May Impact Your Health Insurance

The Affordable Care Act of 2010 has been a topic of conversation since it was placed into law. It seems every during every election there is an...

How to Get the Best Rates on California Life Insurance

If you are shopping for life insurance there are a number of things you can do to help us get you the best rate.  Life insurance companies look...

Questions About Health Care Reform

As we move closer to the full implementation of the Patients Protection and Affordable Care Act (Health Care Reform) there are many questions that...

Most People in California Don't Have Enough Life Insurance

Why Consider California Life Insurance

According to the latest information, most people in Merced California do not have enough life insurance....

What's Trending in California Healthcare?

We are well into 2015; there are some California health insurance items which business owners need to be aware of. Healthcare reform will continue...

 

What Causes Your Insurance Premiums To Go Up?

One question we often get is, “Why are my premiums going up?” We understand increasing premiums can be frustrating, especially if you've had no...

Avoid These Insurance Mistakes In 2019

Every homeowner in California needs competitively priced Personal Insurance. Personal Insurance can be tricky—especially if you take your advice...

2019 Personal Insurance Resolutions

The New Year is just around the corner and getting “insurance fit” is an excellent resolution for 2019. It’s just as important as getting...

How To Avoid Common Holiday Home Insurance Claims

The holiday season is in full swing. Parties galore, shopping ’til you drop, and far too much good food and drink. But in addition to the...

Include a Personal Insurance Review in Your Fall Cleaning

A California Personal Insurance Update

Having a qualified insurance agent like the professionals at Leap/Carpenter/Kemps Insurance Agency perform...

Great Home Insurance Ideas

Tips for Reducing Your Home Insurance Premiums

Homeowners generally understand the need for Homeowners Insurance, which provides you with...

Personal Insurance Hot Topics

A California Personal Insurance Update

Here is the latest information and updates on some of the hot topics relating to your personal insurance...

How To Get The Best Deal On All Your Personal Insurance

A California Insurance Update 

Insurance ads are everywhere, we constantly hear: save on your home insurance now; it only takes 15 minutes to...

What Are The Advantages Of Using An Independent Agent?

There are many ways to purchase your personal and business insurance.  One way is to go online and try to figure out what kind of insurance you...

We Answer The Most Common Insurance Questions

A California Personal Insurance Update

With all the insurance advertising these days, it may be hard to fully understand how personal insurance...

The Value of a Personal Insurance Review

Personal insurance can be complex, with many different kinds of insurance coverage and exclusions. Not all personal insurance policies are created...

Summer Travel Safety and Insurance Tips

Summer is filled with many activities that bring your family together. However, nothing can turn a summer outing into a disaster faster than an...

Reducing the Costs of Disability Coverage

It goes without saying that it’s crucial to have a steady income to support yourself and your family. But what happens when an accident or...

Homeowner's Insurance Can Offer Many Benefits

A Personal Insurance Update

We offer competitively priced homeowner's insurance to people throughout all of California. Homeowner's insurance is...

Personal Insurance for High Net-Worth Individuals

 For many people, standard insurance products like home, auto, life, and personal umbrella policies are adequate to protect their families and...

Little Known Personal Insurance Products You Might Need

There are so many choices when it comes to competitive personal insurance in California. These choices can include deciding what kind of personal...

How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true. The more information we have as your...

We Believe Insurance Is a Promise

There are so many different ways to buy personal insurance.  You can purchase personal insurance online, from a captive agent, or from an...

Personal Insurance Products You Need in the Summer

Summer means there are more daylight hours for activity for you and your family. With the kids home from school and vacations planned, it is...

What Is Covered Under a Homeowner’s Liability Policy 

Most people never actually read their homeowner’s insurance policy. We agree insurance policies are difficult to read and understand unless you...

What Kind of Personal Insurance Do You Really Need?

Personal insurance comes in many different shapes and forms, so it may be hard for the average person to determine exactly what kind of protection...

Are You Finally Ready for an Umbrella Policy?

A Personal Insurance Update If you are like most people, your family is growing and changing, your career is heading upward, your 401k is doing...

How Exposed Is Your Home?

A Personal Insurance Update

Not only is your home one of your most valuable assets but it also holds centimental value.  There are many...

Is It Possible to Lose My Auto Insurance?

An Auto Insurance Update 

Consider Safety Features When Shopping for Auto Insurance

An Auto Insurance Update 

What Is Important to Consider When Buying Homeowners Insurance

A California Home Insurance Update

Burglars Are Looking for Post-Holiday Bargains

A Personal Insurance Update

Burglars Are Looking for Post-Holiday Bargains

A Personal Insurance Update

Why Life Insurance is a Good Bet

A Life Insurance Update

Your Policy Is Only As Good As Your Agent

To say that your insurance policy is only as good as your agent is a bold statement.  You have also heard me say, that not all policies are...

California Personal Insurance Action Plan

California Personal Insurance Planning

Now is the best time to review your personal insurance needs. Effective personal insurance planning should...

California Renters: Don’t Forget About Insurance

California Renters Insurance is Needed and Often Required

Buying renters insurance in California is very easy and inexpensive. Often, just a call...

Can “Do It Yourself” Projects Jeopardize Your insurance?

A Personal Insurance Update

Many people are remodeling their homes these days.  However, before you jump into a project, you might consider the...

Children In College Change Your Personal Insurance Risk

A Personal Insurance Update

By now, your college-aged kids are in school doing who knows what.  Sending a child to college requires making many...

Common Mistakes Made When Purchasing Insurance

There are a number of common mistakes some individuals and businesses make when it comes to purchasing insurance. Insurance is the product you...

7 Deadly Sins of Insurance Buying

Personal and business insurance buyers -- Don’t make these mistakes

Everyone who buys insurance often runs into what we call the seven deadly...

7 Ways to Save on California Homeowner's Insurance

How to Save on Your California Homeowner’s Insurance

Merced Homeowner’s insurance typically covers you against fire, theft and other damage to...

A Parking Valet Damaged My Car

Many of us are going to be traveling this summer, and that may lead to the use of a hotel or restaurant parking valet.  When you toss your keys...

Are the New Toys You Got for Christmas Covered under Your Insurance?

Personal Insurance Update

The holidays are behind us, the tree is down, and the gifts are put away.  But wait, you may have a problem! In some...

Don’t Get Tricked by Halloween

A Homeowner's Insurance Update

Your homeowner's insurance covers many different kinds of risks including vandalism caused by trick-or-treaters. ...

Don’t Rent out Your Home Without the Right Insurance

Vacation Home and Income Property Insurance

More and more people are using services like VRBO and Airbnb to find vacation rentals.  As a result,...

Getting Pulled over in California Doesn't Have to Be a Problem

Getting pulled over by a police officer can be a stressful and uncomfortable experience, especially if you have never been pulled over before....

Going Swimming This Summer? Better Read This First

Personal Safety for Summer

Many of us will be going to the ocean, rivers, lakes, or pools this summer to relax with friends and family.  Each...

Are You a High-risk Driver?

A “high-risk” driver is generally defined by the insurance companies, as someone who has a higher risk of having an auto accident.  Auto insurance...

Homeowner’s Insurance Premiums Explained

Many people believe that they have little or no control over their homeowner’s insurance.  Often, people think that premiums are determined by...

How Smart Technology Can Reduce Your Homeowner's Insurance

Homeowner's Insurance Update

There is no question; not only has technology made our lives easier, but it is also keeping us safer and helping to...

How to Have a Safe Vacation from Leap / Carpenter / Kemps Insurance

As the summer vacation season approaches and thoughts turn to fun in the sun, getting on an airplane or even camping. Remember your homeowner’s...

How to Prepare for El Niño

Swings in Weather Will Create Safety and Home Insurance Issues in California

Now is the time to prepare yourself and your family for the effects...

Why Your Insurance Agent Is Your Best Friend

Are you frustrated with the lack of good customer service? Are you tired of calling a company and getting someone in a foreign county? When you...

5 Things to Consider Before Jumping into the Sharing Economy

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment, and even our home with total strangers....

10 Tips to Keep Your Home Safe While on Vacation

The majority of home burglaries in California do not involve violence or the use of a weapon. The average dollar loss from a burglary in the...

Make Halloween Safe for Everyone

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat.  However, keeping our...

March Madness - Insurance Style

An Insurance Update

March is over and we spent the while month watching 64 college basketball teams play to the final four, then to the...

Keep the Fire in the Barbecue

There is nothing better than grilling up a bunch of steaks or corn on your barbecue.  Grilling brings family and friends together, but an out of...

Are You Shopping Online This Holiday?

Personal Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the...

How to Get Auto Insurance If You're a High-risk Driver

California Auto Insurance

A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an...

7 Technologies Have Helped Lower California Homeowner’s Insurance

Can you believe all the new innovations that are available for your California home? Many new technologies can help you in the kitchen, help keep...

Playing Games on Your Phone? Check Your Insurance

Pokémon Go Creates Personal Liability

There are many new games that people are playing on their smart phones. Next time you are out, just look...

Renting a Car This Summer? Will You Be Insured?

Leap / Carpenter / Kemps Has the Answers

Risk Management Downton Abbey Style

Downton Abbey Has Real-Life Insurance Implications

The final season of Downton Abbey started in January 2016. It has been the most successful...

Simple Ways To Protect Your California Home from Burglars

The FBI reports that in 2014 there were over nine million home property crimes in the United States. There are many things that you can do to...

Criminals Are Looking for Deals This Holiday

The Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are...

Summer Can Be Risky Business for Your Family

California Personal Insurance Update

Summer is here! Now would be a great time to review your homeowner’s and personal insurance program.  There...

Take Your Auto Insurance off Cruise Control

Put Your Hands on the Wheel and Steer Your Auto Insurance Premiums Lower

Did you know you can control what you pay for California auto insurance?...

Summer Driving Safety Tips

Auto Insurance Update

Summer has arrived and many people are hitting the road.  In the summer months driving time increases, so it is important to...

Top Personal Insurance Tips for 2018

Personal Insurance Update From Leap / Carpenter / Kemps

Kids' Safety Tips for Summer Vacation

Summer vacation is here and the kids are free for a few months. That also means pool parties, fireworks, family vacations, and accidents. Medical...

Watercraft Safety Tips from Leap / Carpenter / Kemps

Summer is here and that means it is time to get out on the water.  We hope that you and your family have a great time.  But remember, your...

The Difference Between Homeowner’s Insurance and a Home Warranty

 

Home warranties are offered by many companies, mostly during the selling process. Typically, there are two types of home warranties that people...

6 Things Not to Do After an Auto Accident

An Auto Insurance Update

Stay Safe This July 4th… and Enjoy the Day

We are approaching our nation’s birthday, July 4th, and we hope everyone has a great day of celebration with friends and family. You work hard to...

Why You Need Insurance

A Personal Insurance Update

8 Back-to-School Safety Tips

Personal Insurance and Safety Update                                     

Benefits of Working with an Independent California Agent

17 Holiday Shopping Tips: Protect Your Identity and Stay Safe

iShopping Safety As the Holidays Approach

When Do I Need Rental Car Insurance?

There are more options for renting a car than ever before. Consumers renting from traditional car rental companies can generally choose from many...

Play It Safe This Halloween

Halloween is approaching.  Kids and adults are looking forward to dressing up and going out to trick or treat in the neighborhood.  With a little...

California Boating and Water Safety Tips

8 Tips to Keep You and Your Christmas Tree Safe

According to the US Fire Administration over 400 homes are destroyed annually by causes related to Christmas tree fires. Leap / Carpenter / Kemps...

Can the Holidays Bring Added Risk?

Personal Insurance Update

Does Your Homeowner’s Insurance Offer Hidden Coverage?

 Leap / Carpenter / Kemps, Homeowner’s Insurance Update

Sample - How To Post

INTRODUCTION:

Your “how to” blog post should teach the reader how to do something by breaking it down into a series of steps.

Begin your blog...

Are You Putting Your Homeowner’s Insurance at Risk?

Things That Will Impact Your Homeowner’s Insurance

If you own a home or rent, you need the right kind of homeowner’s insurance.  Homeowner’s...

 

The Hidden Costs of Driving Under the Influence (DUI)

Maybe the “one drink” you agreed to have with friends or colleagues turned into three or four as time passed. Or, perhaps you found yourself...

What Causes Your Insurance Premiums To Go Up?

One question we often get is, “Why are my premiums going up?” We understand increasing premiums can be frustrating, especially if you've had no...

Avoid These Insurance Mistakes In 2019

Every homeowner in California needs competitively priced Personal Insurance. Personal Insurance can be tricky—especially if you take your advice...

2019 Personal Insurance Resolutions

The New Year is just around the corner and getting “insurance fit” is an excellent resolution for 2019. It’s just as important as getting...

How To Avoid Common Holiday Home Insurance Claims

The holiday season is in full swing. Parties galore, shopping ’til you drop, and far too much good food and drink. But in addition to the...

How California’s New Sexual Harassment Law Affects Your Business

January will bring new opportunities to your company, such as the start of a new fiscal year and possibly a new business plan. Because we work in...

Include a Personal Insurance Review in Your Fall Cleaning

A California Personal Insurance Update

Having a qualified insurance agent like the professionals at Leap/Carpenter/Kemps Insurance Agency perform...

Great Home Insurance Ideas

Tips for Reducing Your Home Insurance Premiums

Homeowners generally understand the need for Homeowners Insurance, which provides you with...

Tips For Handling A Business Insurance Claim

As a responsible business owner, you've done all your due diligence to protect your investment and find the insurance policies that are the most...

Personal Insurance Hot Topics

A California Personal Insurance Update

Here is the latest information and updates on some of the hot topics relating to your personal insurance...

What Kind Of Business Insurance Coverage Do You Need?

Every business is going to be different, just like the people who are behind that business, doing their best to expand, innovate, and grow. Some...

How To Get The Best Deal On All Your Personal Insurance

A California Insurance Update 

Insurance ads are everywhere, we constantly hear: save on your home insurance now; it only takes 15 minutes to...

Must Have Insurance Policies For Contractors

The construction industry is always busy, but it’s also a business that has a lot of unique risks and challenges. Unlike many other ventures,...

What Are The Advantages Of Using An Independent Agent?

There are many ways to purchase your personal and business insurance.  One way is to go online and try to figure out what kind of insurance you...

Things You Didn't Know Your Business Insurance Might Cover

Most people, especially in business, are familiar with the basic concept behind insurance. It is "contingency money" to provide some financing in...

We Answer The Most Common Insurance Questions

A California Personal Insurance Update

With all the insurance advertising these days, it may be hard to fully understand how personal insurance...

The Coverage Every Employer Needs But Few Purchase

Every employer works very hard to provide the best environment for their employees to be successful, but no matter how hard we try, we are at risk...

The Value of a Personal Insurance Review

Personal insurance can be complex, with many different kinds of insurance coverage and exclusions. Not all personal insurance policies are created...

Stop Settling For Cheap Insurance — Hire the Insurance Team You Need

Do you often find yourself bargain-hunting to find the “best” deal? If so, then chances are that you’ve also searched for the most cost-effective...

Why Am I Stuck with the Same Old Workers Compensation Policy? (Part 2)

In the previous article, we discussed alternatives to the standard, guaranteed cost program when your company is large enough and has really good...

Why Am I Stuck with the Same Old Workers Compensation Policy?

Business owners go about their day doing what they do best — running their business. But once a year they receive a visit from their insurance...

Business Insurance Jargon Every Business Needs to Know

Just about every industry has a distinct vocabulary that may be foreign to others. From doctors to lawyers to banks to architects, almost every...

Summer Travel Safety and Insurance Tips

Summer is filled with many activities that bring your family together. However, nothing can turn a summer outing into a disaster faster than an...

3 Easy Tips to Help Prevent a Cyber Breach

Cyber breaches are on the rise and increasingly appear in the news. Personal information is gathered and stored on computer systems more and more...

Everything You Should Know About Errors and Omissions Coverage

Errors and omissions insurance is a type of specialized insurance that can protect you and your business in the event of a lawsuit. It's critical...

Reducing the Costs of Disability Coverage

It goes without saying that it’s crucial to have a steady income to support yourself and your family. But what happens when an accident or...

Homeowner's Insurance Can Offer Many Benefits

A Personal Insurance Update

We offer competitively priced homeowner's insurance to people throughout all of California. Homeowner's insurance is...

Even Small Businesses Have the Budget for Employee Health Care

Workplace perks like healthcare coverage aren't just another benefit that employers should offer. Instead, think of it as a tool that will provide...

Personal Insurance for High Net-Worth Individuals

 For many people, standard insurance products like home, auto, life, and personal umbrella policies are adequate to protect their families and...

Little Known Personal Insurance Products You Might Need

There are so many choices when it comes to competitive personal insurance in California. These choices can include deciding what kind of personal...

How to Find Out if You're Overpaying for Business Insurance

Business insurance comes in many shapes and sizes, and although it’s necessary for companies to have it, it’s still possible that you're paying...

How Mismanaged Risk Management Costs Your Business

Risk management is all about evaluating financial risk in order to protect your business and minimize potential losses; a vital task that...

How To Prepare For A Personal Insurance Quote

We have all heard the advice “knowledge is power,” and in the personal insurance world, this is very true. The more information we have as your...

Does Your Business Need Employment Practice Liability Insurance?

Employment practice liability, or EPL, is a set of United States laws that protect employees from mistreatment. It deals with claims of illegal...

We Believe Insurance Is a Promise

There are so many different ways to buy personal insurance.  You can purchase personal insurance online, from a captive agent, or from an...

Personal Insurance Products You Need in the Summer

Summer means there are more daylight hours for activity for you and your family. With the kids home from school and vacations planned, it is...

A Look Inside How Agents Help Businesses Get The Right Insurance

Choosing business insurance is like choosing a babysitter.

When you pay somebody else to step in and take care of something that you treasure, you...

What Is Covered Under a Homeowner’s Liability Policy 

Most people never actually read their homeowner’s insurance policy. We agree insurance policies are difficult to read and understand unless you...

7 Common Mistakes Businesses Make When Buying Insurance  

Business insurance is just as important as providing amazing services and products to your customers because it helps protect your business...

Why You Should Bring Your Agent in to Talk to Employees

Your business may offer benefits to your employees, but how much do those employees understand about their options?

In most cases, employees still...

5 Important Facts About Commercial Umbrella Insurance

California Commercial Umbrella InsuranceIf you own a business, you likely own some form of general commercial liability, or CGL, insurance to...

Why Wellness Works

Does your business have a wellness program? Have you ever had a wellness program? Mistakenly, some business owners are not fully convinced that a...

2014 Medicare Prescription Drug Open Enrollment

Today starts the open enrollment period for these plans. The time to enroll or make changes to your plans runs from Oct. 15 through Dec. 7th and...

California Life Insurance Is Not Just For Families

There is no doubt that Life Insurance provides benefits and security to California families. However, many single people may not have thought of...

Disability Insurance Offers Help When You Need It Most

If you and your loved ones depend on your salary for financial support, then you probably need disability income insurance. Think about it, if you...

Physically Activity Can Affect Healthcare Premiums

There is no question that people who are physically active are healthier and happier. Employers are looking for ways to keep the escalating ...

How the Election May Impact Your Health Insurance

The Affordable Care Act of 2010 has been a topic of conversation since it was placed into law. It seems every during every election there is an...

How to Get the Best Rates on California Life Insurance

If you are shopping for life insurance there are a number of things you can do to help us get you the best rate.  Life insurance companies look...

Questions About Health Care Reform

As we move closer to the full implementation of the Patients Protection and Affordable Care Act (Health Care Reform) there are many questions that...

Most People in California Don't Have Enough Life Insurance

Why Consider California Life Insurance

According to the latest information, most people in Merced California do not have enough life insurance....

What's Trending in California Healthcare?

We are well into 2015; there are some California health insurance items which business owners need to be aware of. Healthcare reform will continue...

Reasons to Consider California Disability Insurance

If you and your loved ones depend on your salary for support, then you probably need disability insurance. Think about it, if you were to become...

How to Educate Employees About Healthcare Insurance

There is no question that healthcare costs are one of the largest expenses an employer has. Employers are looking for ways to keep the escalating

 

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