5 Tips for Finding Affordable Property Insurance in a Fire-Prone Area

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Insurance companies typically determine the cost of coverage based on the risk level involved. That’s why it is not unusual for them to charge high premiums on property insurance for homeowners living in fire-prone areas. To give you an idea, the annual cost of fire insurance in California increased from $20,000 to $200,000 in the third quarter of Read More

Understanding the Need for Car Insurance in CA

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Cars are among the most remarkable human inventions that exist. Since their advent, they have simplified transport greatly, made running errands more effortless, and largely changed lives. For instance, with a car, you can travel several miles in just a few minutes, which would be difficult if you chose to go on foot. However, cars can only work Read More

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CalSavers 101: California’s New Retirement Savings Program

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CalSavers is a qualified retirement plan that allows millions of workers in the private sector to save for their future. This program is available to workers whose employers don’t offer a workplace retirement plan are self-employed are looking for ways to save for their retirement CalSavers doesn’t mandatorily require employees’ Read More

Renters Insurance Coverage 101: What You Need to Know

While landlord insurance coverage covers damage resulting from perils like hail, wind, or fire, it only covers the cost of fixing the rental unit and replacing any property that belongs to the landlord, such as the furniture in a furnished apartment. In other words, the policy typically excludes the tenant’s personal possessions as well as personal Read More

Collision Coverage: Do You Need to Keep It or Drop It?

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When it comes to auto insurance, one of your top criteria for deciding how much coverage you need is how much you drive. Are you a daily commuter or a work-at-home occasional driver? The more you drive, the higher your risk of getting into an accident. Here are answers to common auto insurance questions about collision coverage. What is Collision Read More

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How to Get the Right Health Insurance for Maximum Protection

"We're sorry; you're not covered for this condition." This is the last thing you want to hear from your insurer when you're stuck with a hefty medical bill. Fortunately, the situation is preventable, along with many others that prevent policyholders from enjoying maximum health plan benefits. So, how do you ensure that your policy can provide the Read More

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How to Secure Your Home Against an Earthquake

An earthquake can strike at any time. You could be enjoying dinner with your family, taking a shower, or commuting to work, and all of a sudden, the ground below you starts shaking. Earthquakes result from a sudden release of pressure along faults. In terms of magnitude, earthquakes range from below 2.0, which usually has little impact, to above 8, Read More

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10+ Tips To Reduce Employment-Related Risk

Employers – especially those in California – face a constant threat of employment-related claims.  Working hand-in-glove with your insurance broker and your employment-law counsel, here are our Top Ten (and a few more to grow on) recommendations to reduce your risk as an employer: Domestic Employees – Before we consider your business’ employees, Read More

earthquake survival kit

Earthquake Series Part 3: How to Be Ready for an Earthquake Away from Home

Earthquakes are prevalent in many parts of the U.S. While scientists can identify fault zones, it is virtually impossible to predict when an earthquake might occur. Therefore, you should always stay prepared for an earthquake regardless of where you are. To this end, you should have an earthquake preparation kit in your car at all times, even when Read More

When Directors and Officers are Liable for Cybersecurity

When Directors and Officers are Liable for Cybersecurity

While cybersecurity is a team responsibility in organizations of all sizes, certain decision-makers or leaders may be held more liable than other staff when breaches occur. For example, if you're an officer who signs off on security solutions and protocols, you have a bigger role in protecting your company's IT systems. Directors are key Read More

COVID-19 Update:

The Coronavirus, officially COVID-19, has become a global health emergency. One of the measures Hoffman Brown Company has taken to keep our CLIENTS and Teammates safe was to design a complete virtual work environment. For the foreseeable future, our colleagues will be conducting business virtually to avoid any disruption in our ability to serve you. These measures are based on the CDC’s guidance and will evolve with the situation. Please know that we are fully functional, available and look forward to being of service.