What Do You Mean…I Needed “Umbrella Coverage”? What the Heck is That?

Home ownership has plenty of advantages—but when it comes to insurance coverage, there are also unique complications and risks. What happens when there is an accident at your home? If a serious injury occurs, can you afford to pay out of pocket?

How to Prepare for Fire Season: Wildfire Insurance Coverage and Best Practices for Home Protection

Learning how to prepare for fire season is a crucial part of ensuring that your home—and your family—stay safe in the event of a wildfire.

How to Avoid Workers’ Comp Litigation and Reduce Your Frustration

A recent study by CLARA Analytics reveals a central theme: Uncertainty creates a fertile atmosphere for litigation. Litigation is not spontaneous. It results from a chain of events, fears and confusion; anxieties and attitudes; worry about lost wages; and both real and anticipated questions about future employment.

How to Prevent Distracted-Employee Driving and Lower the Cost of Your Auto Insurance

While operating a vehicle, drivers are faced with many decisions. If that weren’t enough responsibility, they also must consider the decisions that other drivers are making while driving in the same vicinity.

10 Ways Employers Can Fight Workers’ Comp Fraud

For employers workers’ compensation fraud can be an issue. We previously discussed how you can detect a fraudulent compensation claim. But the good news is there are several things employers can do to make their workplace open, safe and productive. 1. Foster a Fraud-Free Workplace. Start by talking to your employees about workers’ compensation. You […]

New OSHA Regulations for July 2018

ANNOUNCING NEW OSHA REGULATIONS STARTING JULY 1, 2018 DO THESE CRITERIA APPLY TO YOUR BUSINESS? Your company has 10+ employees. Your company is NOT listed on OSHA’s industry exemption list. (Not sure if you are on the exemption list? Check here.) ‍IF YOU ANSWERED “YES”, YOU WILL NEED TO START REPORTING WORK-RELATED INJURIES TO OSHA. If your employee misses more than 24 hours from work due to a workplace injury, you are required to […]

Workers’ Compensation Insurance Premium Increase? Why?

HERE IS WHY. The California Worker’s Compensation Insurance Rating Bureau (WCIRB) has changed how they calculate your company’s Experience Modification (X-Mod) effective January 1, 2017. OLD CALCULATION. Prior to 2017, the first $7,000 reserved on any claim (the primary threshold) fully counted against your business.  The remaining reserves counted slightly (the excess threshold). For a […]

Top 10 Questions About Workers’ Compensation

Every employer is required by law to carry workers’ compensation insurance. If you are looking for coverage or need more information with a workers’ compensation claim, ask your insurance broker the following questions so you know what to expect. Your insurance broker should be your partner looking out for your best interests and giving you […]

Customer Feedback Loops: How do I make it work for me?

Customer feedback is often one of the most valuable investments a business can make in taking steps to continuously improve their service and customer retention.  While we all love to get those glowing reviews when people see all our hard work and dedication but it is those negative reviews which have the most value.  Those […]

DHW: A Trusted Choice Company That Works for You.

Trusted Choice is an exclusive program of independent insurance agents committed to delivering the highest level of service to their clients. DHW Insurance is an enthusiastic advocate of Trusted Choice. DHW has earned its membership in Trusted Choice with its professionalism, thoughtfulness and honesty. This high level of service is the hallmark of Trusted Choice […]