commercial property coverage for vandalism

Vandalism Coverage in Insurance Policies: How Can You Protect Your Commercial Property

By Hoffman Brown Insurance | , | No Comments

While commercial property insurance policies are designed to protect businesses from financial losses caused by damage or destruction to their property, it is often unclear whether they will cover vandalism.  Vandalism can be a severe issue for businesses, particularly those in high-crime areas or with valuable assets that thieves or vandals may Read More

commercial property insurance

How to Choose the Right Commercial Property Insurance?

By Hoffman Brown Company | , | No Comments

Whether you own or rent your office space, commercial property insurance is indispensable to protect your property and belongings from unexpected events. However, there are different commercial property policies to choose from, each offering different coverages. Choosing between different coverages can be challenging if you are a first-time policy Read More

Business Fraud Protection for Businesses

What’s the Best Way to Protect Your Business from Fraud?

By Hoffman Brown Insurance | , | No Comments

Have you done all you can to protect your business from fraud? Believe it or not, but the average organization loses 5 percent of its annual revenues to fraud. Small and large companies suffer the same median fraud losses ($150,000), with smaller businesses often feeling the effects of fraud losses greater than large companies. To prevent fraud, Read More

What Is an IIPP and How Does It Work

What Is an IIPP and How Does It Work?

By Hoffman Brown Insurance | , , | No Comments

As a business owner, it's up to you to create your own IIPP to not only protect your employees but to protect your business.  The Injury and Illness Prevention Program (IIPP) is a simple written workplace safety program that is meant to protect your employees and your business. Referring to Title 8 of the California Code of Regulations (T8CCR) Read More

Earthquake Safety Tips

Earthquake Safety Tips

By Hoffman Brown Insurance | , | No Comments

Recent geological evidence suggests there is a 60 percent chance that an earthquake of magnitude 6.7 or higher will strike California in the next 30 years.  An earthquake is the result of tectonic plates shifting across the surface of the Earth. These movements register at no more than a few centimeters per year, but their incredible mass is able Read More

How One CEO Avoided a Wire Transfer Scan

How One CEO Avoided a Wire Transfer Scam

By Hoffman Brown Insurance | , , | No Comments

One CEO avoided being involved in a wire transfer scam, and his tips will help you keep your money safe. Why would thieves risk their lives robbing banks when they can just trick some uninformed business owner into basically handing over thousands of dollars? Lately, thieves have been fooling businesspeople into just giving up their corporate Read More

The New Overtime Rule: Your Questions, Answers, and Concerns

New Overtime Rules and Regulations: Your Questions, Answers, and Concerns

By Hoffman Brown Insurance | , , , , | No Comments

New overtime rules have placed into law, which may affect your business and its employees. Back in mid-May, the Department of Labor (DOL) finalized a rule that will have an enormous impact on agencies and their business clients. The DOL rule updates antiquated regulations that exempt certain employees from overtime and minimum wage Read More

How to Protect Your Commercial Property From Pranksters & Vandalism

How to Protect Your Commercial Property From Pranksters & Vandalism

Even if pranks don’t physically hurt anyone, they can still be quite costly. Several years ago in Nebraska, a prank caller phoned a national brand name hotel and caused them more than $100,000 in damages. The caller, acting as a hotel employee, convinced a guest to set off the sprinkler system after having said that a gas pipe had broken and the Read More

Independent Contractor vs. Employee

Independent Contractor vs. Employee

By Hoffman Brown Insurance | , , , , , , , | No Comments

What is the real difference between hiring an independent contractor versus hiring an employee? There seems to be a trend moving away from hiring employees to hiring independent contractors and with this comes some confusion and questions. Generally speaking, if the person requires training, adheres to a dress code, takes a designated lunch, Read More

The Drone Owner’s Guide to Insurance

Terrorism Insurance for Small Businesses: Q&A

What is Terrorism insurance? Terrorism insurance is not covered by your general insurance policy, so it must be added separately by an endorsement.  The Terrorism Risk Insurance Act (TRIA) ensures that adequate coverage is available for businesses that have to recover or rebuild after a terrorist attack.  Before you waive terrorism insurance 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.