California Insurance Commissioner Awards $34.9M to Fight Workers’ Comp Fraud

Working in the Property & Casualty Insurance industry, I am happy to see the fight against Workers’ Comp Fraud. There are way too many people taking advantage of the Workers Compensation Insurance system in California, particularly Southern California. Honest business owners are stuck paying the high costs which is very much driven by those taking advantage of the system. I see it weekly with the claims coming across my desk. From the individual “claimants” to the attorneys and physicians, I hope you get caught.


October is Adopt a Dog Month

October is Adopt a Dog Month. If you’re considering a pet; please consider adoption or rescue! Each year, an estimated 3-4 million animals waiting in shelters for someone to give them a safe, loving home never find a hero to adopt them and, tragically, are euthanized.

Dogs are amazing and supportive companions who can make a huge difference in your life as a best friend, an exercise buddy, someone who can be trained to provide animal-assisted therapy and help those with challenges they may face, or simply be a face to greet you after a hard day at work.

We rescued our dog Presley almost two years ago. It was the best decision we could’ve made. We tossed the idea around for a long long time and finally pulled the trigger one random weekend. It may seem like an overwhelming responsibility, but it’s really not once it becomes your reality.

Here’s a pic of our pup:


For more on Adopt-A-Dog Month®, please  visit:

Adopt-A-Dog Month®



Educate Your Employees During National Cyber Security Awareness Month

This October is Cyber Security Awareness Month, an event co-sponsored by the Department of Homeland Security (DHS) and the National Cyber Security Alliance (NCSA) in order to raise awareness of the importance of cyber security issues. While the event is designed to highlight some of the nation’s cyber security precautions, as well as how to be prepared in the event of a national cyber security incident, much of the focus is on good cyber security practices for the average individual.

Specifically, the groups are trying to promote their “Stop. Think. Connect.” and Stay Safe Online campaigns—efforts that teach good cyber security in terms everyone can understand. In order to encourage your employees to practice good cyber security, review the following lessons with them:

  • Password Security: More powerful computers have given criminals the ability to crack passwords easily. Passwords with a mix of capitalized and lowercase letters—as well as numbers, symbols and other special characters—are much harder to crack. And, though it should go without saying, make sure your employees don’t write their passwords down in plain sight in their work spaces.
  • Phishing Scams: A number of different scams could fall into this category, but they all have commonalities that your employees should be aware of. Never open an email from an unknown source, and never click on a link in an email unless both the sender and the link can be trusted.
  • Software Updates: Security patches are designed to fix known vulnerabilities. Make sure your employees download the latest security patches when they become available.

Those wishing to participate in this year’s activities can find a number of resources available online, or contact me  for further cyber security materials.


Get Around So Cal on the Metrolink

If you live in Southern California, or have ever visited, you know that our transportation system is awful. More like non-existent. Uber, Lyft, and other ride sharing applications have made life better, but I am still jealous we don’t have a better way of getting around Southern California compared to most other metropolitan cities in the U.S.

Even though there’s the much needed improvement, you can get around various areas of Los Angeles, Orange County, the Inland Empire and Ventura pretty easily on Metrolink. I’m a huge fan and absolutely love to ride the Metrolink trains every chance I get. Considering we have family in south Orange County and a local Metrolink station a mile from our house, we ride the train often. Joanelle and I call it the No Stress Express. We took it down from Tustin to San Clemente on Saturday and back home again this past Sunday. Since the 5 freeway is always at a standstill, it’s nice cruising past certain sections of that freeway at 65 MPH while cars aren’t moving.

Here are a few pictures from our recent ride:

There are still some hiccups and minor delays at times, but it beats the stress of sitting in your car in traffic. Now if only the Metrolink can branch out in to the South Bay or Los Angeles somehow, life would be great! Just wish I could take it to work a couple days a week.

Connect with Metrolink here:





Tustin Chamber of Commerce Announces the Inaugural Tustin Hangar Half Marathon and 5K

The Tustin Chamber of Commerce, along with presenting sponsor Primo Fitness, announces the Inaugural Tustin Hangar Half Marathon and 5K. Both races will take place on Sunday, March 12, 2017 at The District at Tustin Legacy. The Half Marathon will start at 7:00 a.m., with the 5K at 7:30 a.m.

Read more HERE


Living amidst the massive Tustin blimp hangars, I’m excited to sign up for this one. I get to see these every day driving BY them, but by signing up to race, I’ll actually get run THROUGH them.

Here’s the link to register:


Can I Be Fined for not Carrying Workers Compensation Insurance?

Answer: Yes, you can be fined for not carrying workers’ compensation insurance and more. If the Division of Labor Standards Enforcement (state labor commissioner) determines an employer is operating without workers’ compensation coverage, a stop order will be issued. This order prohibits the use of employee labor until coverage is obtained, and failure to observe it is a misdemeanor punishable by imprisonment in the county jail for up to 60 days, or by a fine of up to $10,000, or both. The Division of Labor Standards Enforcement will also assess a penalty the greater of (1) twice the amount the employer would have paid in workers’ compensation premiums during the period the employer was uninsured, determined according to subdivision (c), or (2) the sum of one thousand five hundred dollars ($1,500) per employee employed during the period the employer was uninsured. [Labor Code section 3722(b)].


Additionally, if an injured worker files a workers’ compensation claim that goes before the Workers’ Compensation Appeals Board and a judge finds the employer had not secured insurance as required by law, when the dispute is resolved the uninsured employer may be assessed a penalty of $10,000 per employee on the payroll at the time of injury if the worker’s case was found to be compensable, or $2,000 per employee on the payroll at the time of injury if the worker’s case was non-compensable, up to a maximum of $100,000. [Labor Code Section 3722(d) and (f).]

Finally, as noted in answer to a previous question, failure to secure workers’ compensation insurance is a misdemeanor punishable by imprisonment in the county jail for up to one year, or by a fine of up to ten thousand dollars ($10,000) or by both that imprisonment and fine. (Labor Code Section 3700.5)

If you need help with quotes for workers’ compensation insurance for your business, contact me today. We can market this with numerous carriers to find the best coverage and price.


Ballast Point Opens In Long Beach

Ballast Point, Long Beach’s latest brewery, officially opened Thursday Alamitos Bay Landing. The Ballast Point Tasting Room & Kitchen at the south end of the retail center (the former Khoury’s location). It’s their first location in Los Angeles County.

Joanelle and I met some friends for the Opening. This location alone is everything you could hope for and they did a great job with the design and set-up so you can enjoy the views. There are plenty of taps to serve but it was slammed for opening night at all 3 bars. This is a massive space and you can tell they plan to fill it daily. They have to fine tune the serving process, however and get used to the crowds. People aren’t going to want to wait 30-40 minutes every time they order a beer.

Nevertheless, I love the location. You can check out the waves inside the Seal Beach jetty, watch all kinds of sailboats glide in from the sea, and watch Hawaiian outrigger paddlers practice all within the cozy confines of the upper patio. We ventured downstairs for a bit to scope out the accommodations, but again being opening day, it was too crowded. I will be back, and soon. This is huge for Long Beach.

Here are some pictures from Thursday night:



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