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What does Commercial General Liability Insurance in California?

A Commercial General Liability (CGL) policy covers injury and damage that may be caused by the company's negligence.  It's best to have an insurance agent that can review your policy to make sure you have the right coverage for your businesses risks in California. Here are a few risks ...

All About California Workers Comp Insurance

In California, workers compensation insurance is mandated by the state. As a California business owner you need to have the right coverage for your workers. When looking for workers comp insurance, many factors are involved in choosing the right policy. The number of employees is a main factor. Since workers ...

Is Business Health Insurance increasing in California?

Health costs, both group and individual, in California continue to rise making it difficult to afford health insurance today.  Some businesses have decided that they cannot afford these rising costs and are passing the costs to the employee.  Most agree the projected increase in costs is around 4-7% ...

Why Restaurant Insurance in California?

You start a restaurant and put your heart and sole into it and a flood in the kitchen destroys food and the property when you are not even there.  Why invest so much time into a dream you have and don’t protect it properly.  Most restaurant owner ...

Commercial General Liability Insurance in California

At John Shafer Insurance Services in Santa Ana California, we can tailor a commercial general liability insurance plan to give your business the coverage it needs.  Insurance for your business can protect against those unexpected losses that may arise during business activities.  A general liability insurance policy can ...

Top Property and Liability Claims for Small Businesses in California

Small businesses can have claims relating to injury, liability, or other damage.  Carriers have found that many times the costliest claims are not always the most common.  If businesses can be aware of the claims, you may be able to save yourself from undue costs. Here are some ...

Coverages for Cannabis businesses in California

The cannabis industry is growing at rapid rates and making sure your business is covered properly is essential.  Since the cannabis industry faces different challenges, it’s crucial to have a tailored risk management plan. In order to continue to operate is this ever changing industry, it’s vital ...

Top reasons to purchase California workers compensation

Recently a news item suggests that business owners may be skipping their workers compensation payments in order to cut business costs. Here are a few reasons to reconsider this option. Not a good idea for your business. If you're a local business and don't offer workers compensation, you may incur ...

Finding or Picking an Insurance Agent/Broker

Finding or picking an insurance agent/broker seems to be the fastest choice one makes. In today's times, we go online to get an insurance quote. We then get five or six quotes back and the lowest one wins. Understand, price is the driving factor on picking your insurance company, ...

Important Questions for Business Owners in California

Business owners in California need to protect their businesses and having the right insurance and knowing what questions to ask are especially important.   At John Shafer Insurance Services, we can help you protect your business assets so all the time, money, and effort you spend in building your ...

Consider Using Licensed Insurance Agent for Health Coverage in California

When shopping for or getting health coverage, you should be aware of that you can consult your local independent insurance agent for help.  You can enroll by yourself, but the agents helping you enroll cannot give advice on which policy or option to choose.  With an independent insurance ...

Advantages of an Independent Agent in California

At John Shafer Insurance Services, we are independent insurance agents, which means we don’t work for insurance companies.  We shop many different insurance companies to find you the best coverage for the best rate.  By having access to many different markets, we can shop your account and ...