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What is Cyber Insurance? And Why You Must Have Cyber Insurance! Grant Davis GDI Insurance

Cyber liability insurance is specifically designed to address the risks that come with using modern technology; risks that other types of business liability coverage simply won’t. The level of coverage your business needs is based on your individual operations and can vary depending on your range of exposure. It is important to work with a GDI Insurance broker that can identify your areas of risk so a policy can be tailored to fit your unique situation. In the old days... just a few years ago your business insurance may have had the proper coverage. But as Cyber attacks are happening more and more and the cost of such attacks continue to escalate your good ole insurance policies just haven't kept up. Cyber insurance is relatively one of the inexpensive coverage your company likely can't afford to be without. Just call and I will send you a free 37 page cyber protections plan book. I would also be happy to get you a surprisingly low cost quote on cyber insurance for your company! But you have no obligation, just contact me for the free Cyber Security Planning Guide. Grant Davis GDI Insurance Agency...

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Are you Prepared for an OSHA Inspection today?

Are you Prepared for an OSHA Inspection?

Most clients are a little apprehensive / worried about having an OSHA inspection.  I try to explain that these are very welcome visits.   If something is wrong, or not up to code the time to fix it is well before anyone is injured.   These inspections give business owners the chance to fix safety issued before someone is injured.  On a positive note, insurance companies respond very well offering premium credits as you implement safety programs that reduce the risk of injury or the severity of your employee’s potential injuries.   Following this simple program helps your company cut the cost of their workers comp, helps reduce premiums modification factors and generally lowers the cost of your business insurance as it reduces your companies risk!  http://www.gdiinsurance.com/why-gdi    

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Completed Operations Liability and Obligations of Sub Contractors and Developers

In insurance terms, “your work” as used in an insurance policy is a broadly defined term that includes operations performed by the policyholder or on the policyholder’s behalf, including material, parts or equipment in connection with the operations. Operations or work performed on behalf of the policyholder means work done by a subcontractor is considered the contractor’s work. 

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Controlling Construction Workers Compensation Insurance Costs: Grant Davis GDI

consider what you are paying for your workers compensation insurance!  Would it help to have a plan to cut the cost of your workers compensation by 50%?   Call me Grant Davis today and let me help you take control of your workers compensation costs!  AKA:  Lets lower that premium!   209-634-2929 I can also tell you more about our OSHA compliance, safety program resources and workers compensation  insurance cost reduction program

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CALIFORNIA WORKERS COMPENSATION: New Variable Split Point

Businesses that are experience rated are now subject to California’s New Variable Split Point Experience Rating System.  This means that as their payroll and operation grows, as will their Primary Loss Threshold. 

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Nonprofits – The Added Exposure to High Workers Compensation Cost

Service and/or Mission Oriented Nonprofit Organizations have a unique exposure when it comes to injuries to workers (and volunteers) – they typically care too much.  

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Employment Practices Liability (EPLI) and 3rd Party ADA Claims

The precaution to protect against 3rd Party ADA claims is already available to most business owners, but is sadly not offered by their Agent and/or Broker.  Many EPLI policies can actually be endorsed to provide coverage for the business owner for these exact types of cases. 

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Why Do I Need Employment Practice Liability Insurance? EPLI By Grant Davis

As a business owner, we all strive to hire qualified employees to work for us.  Unfortunately, as you are well aware, not every hiring decision goes as planned. Even if an employee is a good employee and does a great job, or has to be terminated for a legitimate reason such as poor attendance or unsatisfactory work habits every termination opens the door for potential lawsuits.  The funny or not so funny thing such as in the example I am sharing with you the terminated "bad employee" wasn't the one that brought the suit.  It was the "good hard working employee"!   

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Agency Culture BEATS Strategy Every Time

Our staff now does more than they ever have and routinely surpass the plans we as ownership put forth and base our agency goals upon.  Now that our Culture is aligned with our Strategy, we’re in a winning mode!

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5 Crucial Construction Safety Measures

Hazardous conditions are a day-to-day reality for workers at many construction sites. To ensure safety on the job site, there are five crucial safety measures that every construction worker must follow:

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