What is the California Fair Plan?

The California Fair Plan is an insurance pool made up of all the insurers who are admitted to write property insurance in California. The California Fair plan was created as a last resort insurance option for customers who can not obtain insurance with an admitted carrier.

Created in 1968, the California Fair Plan is not a state agency and does not have any taxpayer money or public funding involved in financing the California Fair Plan. So how does the Fair plan stay financially solvent? If the Fair plan does not have enough capital to cover claims and expenses they will access the member companies to cover those costs. As I mentioned above, all licensed insurers that write property insurance in California are member companies of the Fair Plan. Companies like Nationwide, Safeco, State Farm, Allstate, etc.

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Recently, two very important acts regarding California Workers Compensation and COVID-19 were signed into law.

SB 1159

On September 17th, 2020 Gavin Newsome signed into law Senate Bill 1159, which creates three statues in regards to workers compensation benefits for COVID-19 claims.

  • This new law now includes illness or death resulting from COVID-19, under specified circumstances, as an “occupational injury” and is eligible for workers compensation benefits.
  • Takes place immediately until January 1st, 2023
  • Employers must report any COVID-19 cases to their claims administration

This new law creates a presumption that an employee who reports COVID-19 symptoms contracted the virus at their workplace. This presumption is only valid if the employee contracted the virus during a workplace outbreak and was present in their workplace in the 14 days before taking their COVID-19 test.

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What is the best home insurance option for residents in San Jose?

If you’re like most homeowners in San Jose, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

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What is the workers compensation experience mod, one may ask? The workers compensation experience mod is designed to measure whether a companies workers compensation losses are worse or better than expected.

The base rating for a mod is 1.0, which represents the industry standard for your type of business. If a companies losses are worse than expected they will have a mod higher than 1.0(debit mod), meaning they will pay more in workers comp premium than a business of the same type that has a lower experience mod or even a mod below 1.0(credit mod).

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A critical part to running your California business is making sure your employees are safe at work. Workers compensation coverage protects you and your employees from any work related injuries and illnesses.

In California, as in most states, workers compensation coverage is required. Even if your business is headquartered in another state, as long as you have employees working California regularly your business needs to carry workers compensation coverage.

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Insurance companies have been put in a very tough situation these past few years. California has been devastated with uncontrollable wildfires, leaving the insurance industry with over $26 Billion in losses. This has resulted in thousands of customers experiencing non-renewals from their long time insurance carriers, making it difficult for customers needing to obtain California fire insurance.

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Restaurant owners are some of the most passionate business owners. They work tirelessly to make sure they consistently please their customers by providing amazing food and service. However, the restaurant business comes with many obstacles.  One of those obstacles is making sure you protect your employees by minimizing any workplace hazards. Restaurants, bars, and caterers all have to make sure employees are operating in a safe work environment. Having procedures in place to properly handle food, sharp knives, hot liquids, and a number of other hazardous materials is essential for all restaurant owners. Workers compensation insurance for restaurants is one of the most important types of insurance a restaurant owner will need to carry.

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Homeowners insurance is one of the most important insurance products for any homeowner in Los Gatos. If you’re like most people, your home is your most valuable asset.  Your home is where your family will build memories that will last a lifetime. To protect such an important asset, making sure you have the proper insurance policies in place is imperative.

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I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

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