Financial Planners and Insurance Specialists: An Alliance of Expertise

By Mike Lambrakis, CFP®
Conrey Financial Services

You know good finances take smart planning. But how about your insurance? Among financially aware people, property and casualty insurance is so ubiquitous that virtually everyone has policies. Yet I have become convinced that despite the billions of premiums paid per year, most policyholders don’t give their coverage a thought after they pay their bill, and rarely ever ask whether their coverage is adequate to ensure proper protection. This is true even when they’re attentive to the investment aspects of their finances.

Financial advisors—who typically are not insurance specialists—also rarely emphasize the property and casualty aspect of risk management, despite a desire for these insights from the vast majority of financially successful clients. But is it possible for a financial advisor also to be an expert in property and casualty insurance? In my opinion, there are too many moving parts, special situations, nuances, and a vast marketplace of different carriers to master.

This is why my partners at Conrey Insurance Brokers and Risk Managers and I decided to combine the benefits of financial planning with the broad, multi-carrier access and objective expertise only an independent insurance brokerage can offer.

How does an alliance between a financial planner and a team of personal and business insurance specialists add value for you? Our holistic, consultative approach recognizes that when situations change, behaviors change, and financial positions change, it can present new opportunities to maximize the value of your insurance dollars. Validating the adequacy of your coverage helps protect your assets. And even when your situation hasn’t changed, it’s important to check that you’re still receiving the proper coverage with the best value.

Could your insurance and financial plans both hold opportunities for improvement? Feel free to give us a call at 877-450-1872 or contact us – we look forward to showing you The Conrey Difference!

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.