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Author: Scott Boren

What is the price for small business insurance?

Written by Scott Boren on . Posted in Business Insurance.

What is the price for small business insurance? Business owners are constantly juggling a lot of expenses. For most of these expenses, it’s pretty easy to estimate the price. This isn’t the case with business insurance. This explains why one of the most popular questions we get is, what is the price for small business insurance? Unfortunately, this is not an easy question to...

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What is Product Liability Insurance Coverage?

Written by Scott Boren on . Posted in Business Insurance.

What is Product Liability Insurance Coverage? You had a great idea to build a business, so you developed a plan and prototypes. It took time, but you made your pitches and secured your funding. Now you’re well on the way to realizing your dream.  You’re now a business owner and need to consider what happens if a product you manufacture, distribute, or sell causes harm to your...

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Ten Ways to Protect Against Identity Theft

Written by Scott Boren on . Posted in Family, Lifestyle & Home.

Ten Ways to Protect Against Identity Theft Do you worry about identity theft? As it turns out, many of us do. According to a 2014 Gallup Poll, “Hacking” tops the list of crimes consumers are most concerned about. As companies push more commerce toward the internet, protecting our online data is becoming big business. Even for insurance agents and underwriters, the reality of cyber-crimes...

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The Ten Myths about Insurance People Believe

Written by Scott Boren on . Posted in General Insurance.

The Ten Myths about Insurance People Believe As a young man fresh out of college, I didn’t see myself working in insurance, let alone as an insurance agent. It’s not because I thought it was beneath me, I simply wasn’t informed about the industry. In hindsight, it’s easy to understand why I was so ill-informed; there isn’t much education about insurance in our intermediate or higher...

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Cyber Liability Risk: Why Your Small Business Can’t Afford to Ignore It

Written by Scott Boren on . Posted in Business Insurance.

Cyber Liability Risk: Why Your Small Business Can’t Afford to Ignore It Cyberattacks strike businesses every few seconds, and small businesses face the highest cyber liability risk. According to Cybersecurity Ventures, a ransomware attack now happens every 11 seconds – that’s how fast digital predators are moving. Imagine this: You walk into your office on a Monday morning, coffee...

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Social Media Liability

Social Media Liability: The Hidden Business Risk You Can’t Afford to Ignore

Written by Scott Boren on . Posted in Business Insurance.

Social Media Liability: The Hidden Business Risk You Can’t Afford to Ignore Your social media liability exposure happens faster than you can click “post.” Your marketing team crafts what they believe is a clever tweet comparing your product to a competitor’s. It’s witty. It’s engaging. It’s shareable. It’s also, as your lawyer will later...

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Nonstandard Auto Insurance

Nonstandard Auto Insurance: What They Don’t Tell You About Your “Affordable” Policy

Written by Scott Boren on . Posted in Car Insurance 101.

Nonstandard Auto Insurance: What They Don’t Tell You About Your “Affordable” Policy So you think you scored a great deal on auto insurance? Bless your heart. You just bought a nonstandard auto insurance policy. What if I told you that your shockingly low premium might come with an equally shocking surprise when you actually need to use it? Welcome to nonstandard auto...

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5 Tips to Keep Your Air Conditioning Expense Under Control in the Summer Heat

Written by Scott Boren on . Posted in Personal Finance.

5 Tips to Keep Your Air Conditioning Expense Under Control in the Summer Heat Normally we talk about ways to save money on California home insurance … without compromising coverage of course. But for many of us, our energy costs have been on the rise much faster than our home insurance premiums. According to the Bureau of Labor Statistics, Californians pay much more for energy than the...

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Who has the Cheapest Auto Insurance?

Written by Scott Boren on . Posted in Car Insurance 101.

Who has the Cheapest Auto Insurance? Which insurance company has the cheapest auto insurance in California? Does this even matter? One site set out to research this question and provide the definitive answer. According to Value Penguin, their team of “analysts analyzed cost data to provide drivers in California with information in their search for car insurance quotes and the cheapest...

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Do I Need an Insurance Agent? Here’s Why the Answer Matters

Written by Scott Boren on . Posted in Personal Finance.

Do I Need an Insurance Agent? Here’s Why the Answer Matters We live in an era where you can buy almost anything online with a few clicks—including insurance. Online quote aggregators let you compare quotes, check prices, and complete a purchase without ever speaking to a person. Sounds efficient, right? But here’s the thing: Insurance isn’t a commodity like a t-shirt or a cup of coffee. It’s...

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