Workers Comp
How Workers’ Compensation Protects Your Business
Workers’ compensation insurance is essential for businesses of all sizes. It safeguards both employers and employees in the event of workplace injuries or illnesses. Here’s how it works and why it’s crucial for your business. Legal Protection for Employers In California, businesses are required to carry workers’ compensation insurance. Failure to do so can result…
Read MoreWhy Artisan Contractors Need Workers’ Compensation and General Liability Insurance
Artisan contractors face daily job site risks. Whether you’re a roofer, electrician, plumber, or painter, protection is essential. That’s where Workers’ Compensation and General Liability Insurance come in. What is Workers’ Compensation Insurance? Workers’ Compensation covers job-related injuries or illnesses. Most states require this insurance if you have employees. It pays for medical bills and…
Read MoreUnderstanding Insurance Endorsements: Additional Insured, Waiver of Subrogation, and More
Contractors and business owners often hear terms like “Additional Insured” or “Waiver of Subrogation.” These aren’t just buzzwords. They are specific insurance endorsements. Clients or general contractors usually request them. Understanding what they mean can protect your business and ensure contract compliance. Let’s break down these important endorsements. Additional Insured An Additional Insured is a…
Read MoreAdvancements in Insurance Technology: AI, Automation, and IoT
The insurance industry is experiencing a significant transformation. Artificial intelligence (AI), automation, and the Internet of Things (IoT) are reshaping underwriting processes and enhancing customer service. These technologies enable insurers to offer more personalized, efficient, and transparent services. IoT Industry Insights+6Toxigon+6Codenomad+6 AI and Automation in Underwriting AI algorithms analyze vast amounts of data to assess…
Read MoreWorkers Compensation Insurance Trends in California and Texas
Workers’ Compensation Insurance Trends in California and Texas In March 2025, two important changes are set to impact the workers’ compensation insurance landscape in California and Texas. These developments reflect shifting priorities in workplace safety and employee protection, offering both challenges and opportunities for employers. Let’s take a closer look at what these changes mean…
Read MoreWinter Safety for Business: Protect Your Operations and Vehicles
Insurance Safety Tips for Winter: Protecting Your Business, Vehicles, and Workforce Winter is here, bringing icy roads, snowstorms, and freezing temperatures that can create hazardous conditions for businesses, drivers, and workers. At SaberLines Insurance, we understand the challenges that come with the season and want to help you prepare for a safe winter. Here are…
Read MoreBusiness Insurance: Pandemic-Related Coverage and California Business Interruption During COVID-19
BUSINESS INSURANCE: California Business Interruption/Loss Of Income Insurance During COVID-19 Business Interruption Plans and Pandemic Exclusions Normal business interruption plans do not cover losses from contagious diseases like COVID-19 or pandemics. These plans were not designed to address pandemic-related coverage, according to a report sent by major insurance organizations to California’s congressional delegation on Thursday.…
Read MoreWhat’s Going On With AB5 In California (The Downfall Of Trucking, And Other Independent Contractors)
Trucking Insurance – Livery Insurance: New Bill To Enforce Workers Comp Insurance. California’s AB 5 faced a roadblock when a federal court temporarily blocked truck drivers from enforcing the new law. California passed Assembly Bill 5 last year, which became effective on Jan. 1. The new law, widely known as AB 5, creates a strict…
Read MoreCalifornia Assembly Bill 5
Enforcing Workers Comp Insurance In CA An act to amend Section 3351 of, and to add Section 2750.3 to, the Labor Code, and to amend Sections 606.5 and 621 of the Unemployment Insurance Code, relating to employment, and making an appropriation therefor. What Is The California Assembly Bill 5? The California Assembly Bill 5 was…
Read MoreTrucking Insurance – Livery Insurance: P&C Insurance Premiums Steadily Rising In 2018…
Trucking Insurance – Livery Insurance Premiums Up! As losses occurred heavily in 2017 in Property and Casualty (P&C) and Livery Insurance coverage, premiums are set to rise as companies adjust to major loss impacts. The market setbacks have forced insurers to revise pricing structures to accommodate these losses. These increases are necessary for the industry’s…
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