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What Does Business Insurance Cover?

Business insurance coverage for a commercial operation can include the following and more:

General liability insurance: Covers third party liability claims for injuries to other people.

Professional liability and malpractice insurance: aka Errors & Omissions Insurance (E&O).  E&O covers professionals against loss due to negligent professional duty, wrongful acts, and advice and services that lead to another person’s loss or injury.

Product liability insurance: Covers against faulty products and damage, illness, injury or death that may occur from using a faulty product.

Property insurance: Covers loss and damage to your commercial business property due to fires, theft, storms and other causes.

Commercial vehicle insurance: Covers commercial vehicles and drivers for collision, liability, property damage, personal injury and “comprehensive” (now known as “other than collision”).

Workers compensation: Covers your employees if they become ill or injured while working on the job.

Loss of income: Also referred to as Business Income, this covers your business expenses such as rent and employee wages if you can’t operate your business.

Key person insurance: Covers loss of income that may result from the head of the business or other key personnel becoming incapacitated or passing away (also known as key man insurance).

Cyber-crime insurance: Provides protection for risks due to Internet use and online communications.

Each and every business is unique. A food products manufacturer or distributor  doesn’t have the same risk exposures as a software developer. As an everyday Joe, you’re expected to know if you need these coverage’s or not for your business. If your head is spinning or you’re feeling overwhelmed, this is why you work with an insurance agent or broker.

Let’s face it, most people really don’t like insurance, they don’t care to read their policies, and they just wish someone else would take care of it for them. I like insurance (don’t judge me), I read policy forms all day long for my clients, and people call me to handle all their business insurance needs so they don’t have to. Pick up the phone and call me today or email me if you have questions about these overage’s and whether your business needs them or not.

-JK

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:

dog-rescue

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

Adopt-A-Dog Month®

-JK

 

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:

FACEBOOK

TWITTER

INSTAGRAM

-JK

Long Beach Emergency Alert System Released

The City of Long Beach has released a new, mass notification system that makes it easier than ever to get emergency alerts sent to your landline, cell phone, and email.

Alert Long Beach is a free service designed to keep everyone who lives or works in Long Beach informed before, during and after a major emergency or disaster.

Sign up on at the City’s website: http://www.longbeach.gov.

-JK

Unplug & Connect

Crikey, it’s been 4/21 since my last post…….whoops. Well I’m back.

Today I saw this ad from Dixie and I thought it was really good. Dixie – a paper plates, bowls, cups and napkins brand, made a commercial that struck a cord with me, who knew? Living in the modern world, all of us can identify with the concept of the ad, “Dark for Dinner.”

Dixie is asking families to remove all distractions, including electronic devices, from their dinner experience, and then share what they learned from going “Dark for Dinner” via social media using the hashtag, #DarkforDinner.

The movement, created by Dixie, launched on June 14 and will take place every Sunday for six weeks. Its designed to encourage families to focus on the present and to “Be More Here.”

Screw Sunday’s, lets do this every night!

-JK

Long Beach Belmont Pool Demolished in Time Lapse Video

Watch Long Beach’s Belmont Pool get demolished in this time lapse video published by MBI Media.

The Belmont Plaza Olympic Pool was dedicated on August 15, 1968, The building was deemed unsafe due to structural concerns two years ago, leading to its closure and the opening of a temporary pool. It will eventually be replaced by a new, $103.1M swimming facility.

-JK

Happy Thanksgiving From Lake Arrowhead, CA

Happy Thanksgiving From Lake Arrowhead, CA! For those that know me, Lake Arrowhead has always been part of life for my family, especially for Thanksgiving. We’ve been coming up here for well over 30 years. Even though it’s another Southern California “Fall” day, with temperatures expected to be in the mid-80’s, Lake Arrowhead is a quick escape from the hustle and bustle of daily life. This is as Fall as it gets in So Cal. Happy Thanksgiving to you and your family!

Lake Arrowhead, CA

View from our deck

-JK

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