California Employment Law: Legalized Marijuana

In 2016, California voters legalized recreational marijuana by approving Proposition 64, which impacted both Employers and Employees in many different ways. This Employment Law Summary provides a high-level overview of California’s marijuana laws and information about their impact on employers in the state. These laws include the California Compassionate Use Act of 1996, which authorizes certain individuals to use marijuana for medical purposes, and the California Control, Regulate and Tax Adult Use of Marijuana Act, which allows individuals who are age 21 or older to possess, cultivate and use limited amounts of marijuana in the state.

At Conrey Insurance we want to ensure that you know the laws and how the effect your business and employees. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Commercial Wildfire Checklist

Knowing what to do in the case of a wildfire is just as important for Businesses as it is for Homeowners. Having the process of what to do Before, During, and After a wildfire is an important tool for Businesses that are both Large and Small. Here is a checklist for business owners to reference to see what should be done before, during and after a wildfire.

At Conrey Insurance we want to ensure that your Business is protected from the devastation that can take place during wildfire season. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Using Fireworks Safely

Celebrate our nation’s birthday without injuries. Remember these safety tips to have a fun, safe celebration with fireworks. Firework’s safety is important on every street across America and with these tips you can be the expert on your own.

At Conrey Insurance we want to insure that you know what the risks are of using fireworks and make sure you have a safe 4th of July. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Professional Liability Insurance

Protect yourself and your business from claims not covered by commercial general liability coverage. If you provide expert advice or services you should consider professional liability insurance. Professionals who are architects, home inspectors, lawyers, physicians, real estate brokers and accountants can benefit from this type of coverage. Read this coverage insight to learn more about what professional liability insurance covers and how it can help your company go above what general liability coverage does.

At Conrey Insurance we want to ensure that you have all the knowledge and help you need so your business is sufficiently covered. To speak with a member of the Conrey Team about professional liability insurance, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

A Comprehensive Guide to Hours of Work and Required Break Periods in California

This Employment Law Summary provides an overview of hours of work and required break periods in California.

At Conrey Insurance Brokers and Risk Managers, we want to ensure you are informed on the topics that are important to you. That’s The Conrey Difference. Give us a call at 877-450-1872 or visit our website.

How to protect your Company When Disciplining or Terminating an Employee

Disciplining or terminating an employee brings about unwanted stress, but it can also open your business to a list of liability exposures. It is easy to believe that once an employee has received a corrective warning or has been terminated there will no longer be a problem. This is not always the case. There are many types of claims that an employee can file against you or your company if they feel they have been wrongly disciplined or terminated. But, there are ways to help prevent a claim if you are aware of the risks.

It is essential to clearly define your company expectations and individual roles for employees in a handbook which employees should sign. Conduct periodic performance reviews. The most important strategy to help prevent a lawsuit is to keep a paper trail for every employee and include corrective actions and performance reviews. Never embarrass a terminated employee by bringing in security to escort unless they were terminated for theft or a violent offense. Institute a zero-tolerance policy against discrimination, drug abuse and harassment. Also, establish an “open door” policy in which employees can report incidents without the fear of retaliation.

Add another line of defense with Employment Practices Liability Insurance. Even if you or your company are not found guilty of wrongful termination or discipline, lawsuits can be expensive, even devastating. EPL insurance can help offset some of these costs.

To learn more about ways to protect your business before disciplining or terminating an employee, read this informative article. At Conrey Insurance we want to ensure your business is properly protected against potential risks. That’s The Conrey Difference. Give us a call at 877-450-1872 or visit our website.

Planning for Success: Are you Ready?

 

As business owners, we’re always striving to grow our business and make it the best it can be. Whether you are managing sales, incoming calls, figuring out future goals, it really is always being one step ahead. What happens when you’ve reached all of your goals? You make new ones. In this article it shows you how to plan for your businesses succession, and in detail goes through how to make sure your business stays successful beyond your time. Read the article here.

Understanding Workers Compensation Insurance

Understanding your insurance and how it works can be just as important as having it in the first place. Learn about what affects the price, as well as what you can do to save money on your workers compensation insurance here.                                                                                                                                                                                                                                              Want more interesting content? Check out our blog page. Have any questions? Want to check up on your business insurance?  We’re here to help no matter what your needs- to speak with a member of the Conrey Team, call (877)-450-1872 or contact us and experience the Conrey Difference for yourself.

 

 

What is Risk Management?

What exactly is Risk Management?

At Conrey Insurance Brokers, Risk Management is process and a way of thinking. It is the science behind the solutions we recommend. You might even think that Risk Management is our way of protecting us. If you don’t suffer a loss, we don’t suffer a loss, and in a way, maybe that’s true. But the reality is that we know what it took to “build your empire”. We realize that not only is there material value attached to a loss, but there is emotional value as well, and this is the loss that cannot be regained.

The Conrey Difference
Unlike other agents who tend to make assumptions, we take the time to know you and your needs. Only through knowledge of you and your reality can we craft the best insurance solutions to properly protect you, your people and your property. We realize what it took to get where you are, and we pledge to provide you the solutions that will assure your peace of mind.

Free Disaster Preparedness Brochure
However, there are things that you can do to minimize a loss, and Conrey Insurance Brokers want to make sure that you are highly aware of these. That is why we are making this special book available to you: Family Conversations about Disaster Planning from our friends at the Hartford who want you to know that planning ahead can make all the difference when disaster strikes.

Renters Insurance | Five Questions to ask your Agent or Broker

A renters insurance policy can cover a wide array of risks depending on the individual policy.

Renters insurance can cover your personal possessions as well as help pay for legal fees and manage the potential risk of a monetary legal judgment should you be sued because of an accident causing bodily injury or property damage to others. It’s important to seek the assistance of a knowledgeable risk manager to ensure your renters policy protects what you have worked so hard to accumulate.

Here are some questions to bring up with your agent or broker when choosing the amount of protection that will insure what matters most is properly protected.

renters insurance

  1. What is covered under my renters insurance policy?

Never make any assumptions about what is protected and what is not under any insurance policy, including your renters insurance. Should you need to file a claim, your agent or broker should explain in detail what your policy covers, and for how much money. If you are unsure, or have questions, always ask until you have a clear understanding. A respectable risk manager will always make time to be sure you understand the scope and limitations of your insurance policies.

A renters policy is similar to a homeowners policy in that it will generally cover your losses due to fire, theft, and accidental damage. It will also provide some protection against potential legal fees and financial awards due to accidents should you be found to be liable. A renters insurance policy generally does not cover flood or earthquake damage. You should always know the specific amount of coverage you have by category.

  1. Are my roommates covered under my policy?

Generally, only family members and not roommates are covered under a renters policy. Some providers allow multiple individuals to be covered under one policy, but again, never assume, always ask you agent or broker who is covered by your policy.

  1. Know the difference between current value and replacement cost protection.

There are two ways you can be protected by a renters policy. 1) You can have current value protection or 2) replacement cost. With current value protection, you might receive only $600 for a TV you may have paid $1,200 for due to depreciation, whereas replacement cost would ensure you could replace that exact TV at the current price.

  1. Am I protected if my dog bites a guest or neighbor?

Some policies cover liability created by your dog injuring someone, and some do not. It may also depend on the type of dog you own. You should always discuss this matter with your broker and agent when acquiring your renters insurance.

  1. Are items stolen from my car protected under my renters insurance policy?

Renters policies generally include coverage for items stolen off-premises. That means belongings outside your home have insurance protection similar to the things inside your home. However, off premises coverage may be limited to a percentage of your total coverage amount for personal items. For example, if you have $50,000 in personal items coverage, the amount available for off-premises losses may be 10 percent of that figure, or $5,000. Also, keep in mind, there is generally a deductible that applies.

Conrey Insurance Brokers is dedicated to building strong, lasting, and mutually beneficial relationships with our clients and community. The Conrey Team of experienced risk managers can assist you with your personal insurance, commercial insurance, life insurance, and financial services needs.

Conrey Insurance Brokers prides itself on being a one-stop independent insurance broker and financial services boutique that provides unparalleled expertise, professionalism, and service at a tremendous value.

Act today to ensure you are prepared for tomorrow. Contact the Conrey Team at 1-877-450-1872 or go to our website to get started on a free consultation today.

Photo #1 downloaded from Pixabay and is a Public Domain image.

Photo #2 by Architecturist and used under the Creative Commons Attribution-Share Alike 3.0 Unported license.