Blog

Spreading Holiday Cheer: Our Gift to You and the Community

by FCIS Team | This article was posted on 12 06, 2023 |

The holiday season is a time for reflection, gratitude, and spreading kindness. This year, instead of traditional gifts, we've chosen to pay it forward and make a meaningful impact in our community.

Rain or Shine: How Proper Prep Spells the Difference Between Coverage and Conundrum

by FCIS Team | This article was posted on 11 13, 2023 |

Stay ahead of the rainy season. Discover how regular maintenance, risk assessments, and tailored insurance coverage can safeguard your property, reduce insurance expenses, and prevent potential damage. Expert advice from FCIS's experienced team inside.

Cybersecurity Insurance A Must-Have for Businesses: Because Hackers Want Your Stuff

by FCIS Team | This article was posted on 10 13, 2023 |

In the age of digital transformation, businesses have become increasingly reliant on technology. From managing sensitive customer data to executing critical operations online, the digital landscape is the lifeblood of modern commerce.

Navigating the Workers' Comp Maze in California: Turning Records into Gold

by FCIS Team | This article was posted on 09 15, 2023 |

In a land where timecards are the holy grail, the California Labor Code and The Workers Compensation Insurance Rating Bureau play referee and demand employers maintain these vital documents for their hourly workforce.

Fleet Safety and Business Auto Insurance: Driving Success with Smart Coverage

by FCIS Team | This article was posted on 08 14, 2023 |

Revving up your business with a fleet of vehicles requires a careful balance between productivity and safety. As you navigate the roads of entrepreneurship, one essential component you can't afford to overlook is business auto insurance. By honing in on fleet safety, you can

Workplace Safety: Hot Weather Edition! OSHA's Requirements to Keep Your Workers from Melting

by FCIS Team | This article was posted on 07 17, 2023 |

Summer is here, and so is the sizzling heat that can turn your workplace into a sauna. As an employer, it's your duty to prevent your employees from overheating and melting away. Just like a scoop of ice cream on a scorching day, worker safety should be your top priority.

Insurance Inferno: Major Insurers Withdraw New Fire Policies from California

by FCIS Team | This article was posted on 06 14, 2023 |

Major insurers in California have withdrawn the ability to open new fire insurance policies. Find out what this could mean for the future of insurance policies in California today.

Protecting Your Business in Uncertain Times: Trade Credit and D&O Insurance Explained

by FCIS Team | This article was posted on 05 15, 2023 |

An in-depth look at Trade Credit Insurance and Directors & Officers insurance plans including: what they are, the benefits that each offers, and which one may be right for your business.

California's Workplace Landscape Set to Change: New Employment Laws for 2023

by FCIS Team | This article was posted on 04 19, 2023 |

There are major changes coming about for employment law in California in 2023. Learn about SB 1044, SB 731, AB 2777, AB 2188 FEHA, EPLI.

(OSHA): What is OSHA and How is it Important for My Business?

by FCIS Team | This article was posted on 03 15, 2023 |

Learn what OSHA is & how it can help ensure a safe and healthy workplace for your employees. Stay compliant & avoid potential penalties by knowing OSHA regulations. Hypothetical story of a Chocolate Factory Worker Incident.

Property Insurance Rates are on the Rise, What to Expect in 2023

by FCIS Team | This article was posted on 02 09, 2023 |

Rising Property Insurance Rates for 2023. See what to expect for insurance rate increases and property accounts that are prone to catastrophic events such as wildfires, storms, floods, and earthquakes.

Protect Your Property: Insurance and Wildfire Fire Mitigation

by FCIS Team | This article was posted on 10 05, 2022 |

In California, fire risks are incredibly high, creating difficulties with fire insurance coverage — and almost everyone with property insurance is feeling the pain.

Prepare Your Business for Dual Wage Increases

by FCIS Team | This article was posted on 08 31, 2022 |

If you are a California contractor, your payroll may be increasing in the coming months due to changes from the Workers’ Compensation Insurance Rating Bureau.

Insuring Against Inflation and Supply Chain Issues

by FCIS Team | This article was posted on 06 10, 2022 |

Inflation and supply chain issues are the talk of the town right now. In one way or another, every business has been affected by one or the other, or more likely, both.

COVID-19 Prevention Emergency Temporary Standards

by FCIS Team | This article was posted on 02 25, 2022 |

All Employers are required to create Covid 19 prevention plans to protect their employees. Similar to a IIPP, they must create a plan to evaluate the risks and resolve the risk.

Navigating Workers’ Compensation for Independent Contractors

by FCIS Team | This article was posted on 10 11, 2021 |

What you don’t know can cost you. Did you know you can be liable for injuries to independent contractors? Or that you can pay extra premiums as a result of improperly classified independent contractors?

The Dog Days of Unused Vacation

by FCIS Team | This article was posted on 08 17, 2021 | Uncategorized

Vacations are a good idea. We all need to re-charge our batteries. Western Europe has it figured it out; employees receive several weeks off a year and companies don’t try to get much commerce done in August since most of the workforce is on vacation.

Heat Illness Prevention Measures Are Critical

by FCIS Team | This article was posted on 07 30, 2021 | Uncategorized

If you can’t take the heat … that probably means you’re a normal person. And if you’re too hot on the job, that’s not cool — and also a potential OSHA violation.

You Sunk My Cargo Ship

by FCIS Team | This article was posted on 04 27, 2021 | Uncategorized

If your company ships goods by sea, every day you go without cargo insurance is a gamble. Recently, a container ship called the Ever Given was grounded in the Suez Canal, leading to a six-day blockage. Canal authorities would not release the ship until a heavy compensation w

Compliance or Complaints The Choice is Yours

by FCIS Team | This article was posted on 04 02, 2021 | Uncategorized

If it’s not … you might be the next to receive a demand letter. Companies are worried about ADA compliance — and they should be. We have seen a significant rise in court cases and threats of legal action in recent months.

Key Strategies to Help Prevent Costly Water Damage to Your Property

by FCIS Team Member Anthony Parra | This article was posted on 02 02, 2021 | Uncategorized

According to national claims data, water leakage is a leading cause of commercial property loss from a frequency and severity standpoint. Water damage can lead to potentially significant repair costs and business interruption. Common causes of water damage: pipe burst and le

New Laws Define Your Responsibilities in a COVID-19 Outbreak

by FCIS Team | This article was posted on 12 15, 2020 | Uncategorized

On Sept. 17, Governor Gavin Newsom signed two bills, SB 1159 and AB 685, into law. These new laws, which are designed to help California workers stay safe at work and get the support they need if exposed to COVID-19, clarify employers’ responsibilities related to COVID-19 ca

$1,000,000 insurance coverage is no longer enough

by FCIS Team | This article was posted on 12 15, 2020 | Uncategorized

Social inflation is happening, and whether we like it or not, it’s changing the insurance game. What is social inflation, you ask? It’s a combination of social and legal factors that are increasing the frequency and severity of liability claims. As a result, the cost of clai

Employee Theft: Protecting Your Business

by FCIS Team | This article was posted on 11 03, 2020 | Uncategorized

These days, it seems like every time you open the paper, there’s another story about employee theft. Just recently, a client of ours learned that their chief financial officer embezzled nearly $1 million from the company over a three-year span beginning in 2017. Unfortunatel

How to Protect Your Property and Cover Your Cargo

by FCIS Team | This article was posted on 09 02, 2020 | Uncategorized

Everything’s going along fine — and then, womp, suddenly it isn’t. There are numerous unexpected factors that can lead to property and cargo losses, but given recent events, one factor in particular stands out. Over the past several years, natural disasters like fires and hu

Protect Your Company From the Cyber Risks of Working From Home

by FCIS Team | This article was posted on 07 30, 2020 | Uncategorized

With the need for new ways to keep business moving, new risks are added to the equation. Luckily, some simple things can be done to make immediate impacts on those risks and to help protect your business without opening up the door to new attacks that could bring operations

Independent Contractor or Employee? Things Just Got Tougher for Companies

by FCIS Team | This article was posted on 05 26, 2020 | Uncategorized

Just when you thought the laws defining who is an employee and who is an independent contractor (IC) couldn’t get more confusing, along comes Labor Code Section 2750.3, which took effect January 1, 2020. That law, essentially the codification of the famous Dynamex case from

Understanding the Difference Between Accounts Receivable Coverage and Trade Credit Insurance: Which Is Right for Your Circumstance

by FCIS Team | This article was posted on 04 14, 2020 | Uncategorized

As we continue to navigate the effects of COVID-19 to help guide and provide counsel to the businesses we support, we are seeing an increased number of clients reviewing their policies in order to identify opportunities to file a claim for further protection in these uncerta