Latest Blog Posts By Category

  • Auto Insurance

    The latest posts for Auto Insurance are listed below.
    • 10 Teen Driving Stats That Might Surprise You

      Adding a teen driver to your auto policy for the first time can cause a severe case of sticker shock. Here are some stats that may help you understand why teens are seen as such high risk drivers. Consider discussing these with your teen and committing to be an entire family of safe and aware drivers. And thanks to our friends at Safeco for providing this frightening infographic.

    Commercial Insurance

    The latest posts for Commercial Insurance are listed below.
    • Work Comp Officer Exclusion Threshold Changing to 10%

      Important notice for our clients who carry Workers Compensation insurance Last year, state law AB2883 changed officer exclusion criteria making it so that only owners/officers/executives with at least 15% ownership could be excluded from the payroll calculation for Work Comp premiums. Well, that is changing again on July 1, 2018. The new threshold to allow exclusion will be ownership of 10% or ...
    • 2017 Experience Modification changes

      In the fall of 2016, agents and insureds will start to see 2017 experience modifications. For some the new changes will mean lower experience modifications, but for many it will mean the same losses and payrolls will generate a much higher modification. There are two main changes that you need to aware of. First , the $7,000 primary loss cap is going away. Instead you will be graded on a sliding ...
    • Employee Dishonesty and Fraud On The Rise

      Employee Dishonesty and Fraud are on the rise… Some facts*: Employers lose about 6% of their annual revenue to employee theft, forgery or computer fraud. The median claim is around $140,000 (in my personal experience it’s actually more like $200,000-$250,000). Most claims occur over long periods of time, usually three or more years. Most employers only carry a nominal about of coverage and are not ...

    Cyber Insurance

    The latest posts for Cyber Insurance are listed below.
    • Lack of Attribution Could Hurt Your Cyber Insurance Coverage

      When was the last time you reviewed your business’ professional liability insurance policy? Insurance policies are complex contracts that are similar to puzzle pieces in that they cover specific aspects of a business’ risks, with no one policy acting as a “one size fits all” solution. In many cases, business are required to purchase several policies in order to cover all of their unique risks. For ...
    • How Small Businesses Can Learn From Target's Data Breach

      Many small businesses think they are not in danger from cybercrimes such as Target’s massive customer data breach because they do not have the amount of information that would make them a target for an attack. This is misguided, as the Target breach revealed several interesting details regarding the safety of cyber information and how businesses can be affected by breaches in many indirect ways. ...

    Human Resources

    The latest posts for Human Resources are listed below.
    • Minimum Wage Increase: July 1, 2018

      Just a reminder that it's time for another Minimum Wage increase. On July 1, 2018 the City of Los Angeles, portions of Los Angeles County, and a handful of other municipalities will be raising their Minimum Wage.

    News

    The latest posts for News are listed below.
    • INSIGHT Newsletter | Q3 2016

      Check out the Q3 2016 issue of INSIGHT, the quarterly newsletter of ERAI, INC. Our own Howard Miller was interviewed and quoted in the article titled "Cyber Crime, Your Bank Accounts, and Your Insurance" by Kristal Snider of ERAI. Read it for yourself by clicking the link below. http://www.erai.com/quarterly_newsletter/distribution/2016/Q3/

    Personal Insurance

    The latest posts for Personal Insurance are listed below.
    • 10 Teen Driving Stats That Might Surprise You

      Adding a teen driver to your auto policy for the first time can cause a severe case of sticker shock. Here are some stats that may help you understand why teens are seen as such high risk drivers. Consider discussing these with your teen and committing to be an entire family of safe and aware drivers. And thanks to our friends at Safeco for providing this frightening infographic.
    • Loss of Use

      If you are ever forced out of your home due to fire, earthquake, or any other natural disaster, your personal homeowners insurance policy may cover you. During the period of loss of use, be sure to save all receipts and document all bills; then contact us to find out how you are covered. Check out the article below to find out more about loss of use coverage and its benefits. ...

    Safety

    The latest posts for Safety are listed below.
    • Are You a Distracted Driver?

      For years, major media and education campaigns around deaths on America’s roadways focused on drunk driving. Over time, thankfully, the message began to sink in. The social stigma and the punishments that go with drunk driving today have resulted in fewer crashes and deaths. Now, data is showing that a new behavior has become the greatest threat on the road. According to Sam Madden, co-founder and ...
    • 4 Tips for Staying in Compliance with Your AED

      Adding an Automated External Defibrillator (AED) to your organization demonstrates your intention to protect your employees – and anybody else who may visit your worksite. That’s an important and well-intentioned step. Good for you! You’ve hung that AED on the wall and there it sits, but are you and the AED truly ready for that unexpected cardiac emergency? And do you realize the compliance that ...
    • Summer Heat Safety

      As summer begins, hot days become a normal occurrence. Employers must be aware of the heat and its dangers that accompany it. In 2014 alone, 2,630 workers suffered from heat illness, and 18 died from heat stroke and related causes on the job. OSHA has begun their annual summer campaign to inform and remind employers about their obligations to workers during these hot summer days. This informative ...

    Workers Compensation

    The latest posts for Workers Compensation are listed below.
    • Work Comp Officer Exclusion Threshold Changing to 10%

      Important notice for our clients who carry Workers Compensation insurance Last year, state law AB2883 changed officer exclusion criteria making it so that only owners/officers/executives with at least 15% ownership could be excluded from the payroll calculation for Work Comp premiums. Well, that is changing again on July 1, 2018. The new threshold to allow exclusion will be ownership of 10% or ...
Page 0 of ∞