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Author: Scott Boren

What is a Business Owner’s Policy and Why Do You Need It?

Written by Scott Boren on . Posted in Business Insurance.

What is a Business Owner’s Policy? And Do I Need One? Running a small business comes with many risks. Unexpected events like property damage, lawsuits, or business interruptions all can threaten your business’s financial stability. That’s where a Business Owner’s Policy (BOP) comes in. Right now, you may be saying to yourself, “What is a Business Owner’s Policy? I haven’t heard of a...

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California’s Home Insurance Crisis: What Homeowners Need to Know

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

California’s Home Insurance Crisis: What Homeowners Need to Know If you’re a California homeowner, you already know that finding affordable home insurance is getting harder. Without knowing why, as a homeowner, you’re deeply immersed in California’s home insurance crisis. A crisis that has led many carriers to stop writing personal property in the state, or reduce capacity. To...

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How Insurance Is Priced

How Is Insurance Priced? Cracking Open the Black Box Once and For All

Written by Scott Boren on . Posted in General Insurance.

How Is Insurance Priced? Cracking Open the Black Box Once and For All This is when we all realize we have no idea how insurance is priced: You open your morning mail, review your insurance renewal, and nearly spit out your coffee. “They want HOW MUCH this year? But I didn’t even file a claim!” Welcome to the mysterious black box of insurance pricing, where premiums emerge...

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Protect Your Small Business from Lawsuits

Written by Scott Boren on . Posted in Small Business.

Protect Your Small Business from Lawsuits Running a small business involves countless responsibilities. With the emergency of cybercrime, and business email compromise, there is a lot to keep you up at night. While the emerging risks are real,  managing your legal risks may be the most critical. Lawsuits can be costly, time-consuming, and have the possibility of damaging your company’s...

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Business Email Compromise: How to Safeguard Your Small Business

Written by Scott Boren on . Posted in Small Business.

Business Email Compromise: How to Safeguard Your Small Business In today’s digital age, email has become one of the most essential tools for managing business operations, communicating with partners, and even completing financial transactions. However, our dependence on email has also made email a prime target for cybercriminals. Business Email Compromise (BEC) is one of the most damaging...

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Top 5 Cybersecurity Recommendations for Small Businesses in 2025

Written by Scott Boren on . Posted in Small Business.

Top 5 Cybersecurity Recommendations for Small Businesses in 2025 The new year is here and the cybersecurity landscape for small businesses continues to evolve rapidly. While larger organizations have dedicated teams and robust budgets to handle cyber threats, small businesses are often more vulnerable due to limited resources and awareness. Cybercriminals know this, and many target smaller...

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How to Fight Inflation and Protect Your Restaurant’s Profitability

Written by Scott Boren on . Posted in Small Business.

How to Fight Inflation and Protect Your Restaurant’s Profitability The time when a restaurateur was primarily concerned with employee turnover, competition, inventory management, or managing against potential lawsuits seems like a bygone past. Today, inflation is putting significant pressure on restaurant owners, with rising food and labor costs, and even restaurant insurance eating...

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The Long-Awaited Fix for California’s Home Insurance Crisis: Too Little, Too Late?

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

The Long-Awaited Fix for California’s Home Insurance Crisis: Too Little, Too Late? California’s homeowners insurance market is in crisis, with many residents struggling to secure affordable coverage. Wildfires continue to devastate communities, and insurers have responded by scaling back or pulling out altogether. While the California Department of Insurance has finally taken action to...

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Safeco to Exit Specialty Insurance Lines in California by 2026: What This Means for the Market

Written by Scott Boren on . Posted in General Insurance.

Safeco to Exit Specialty Insurance Lines in California by 2026: What This Means for the Market The Department of Insurance has been working hard to find a fix to the home insurance crisis in California. Nonetheless, in December 2024, Liberty Mutual announced plans for Safeco to exit specialty insurance in California by 2026. This includes the discontinuation of coverage for renters, condos,...

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Commercial Lease Insurance Requirements: What Business Owners Should Know Before Signing

Written by Scott Boren on . Posted in Business Insurance.

Commercial Lease Insurance Requirements: What Business Owners Should Know Before Signing You found the perfect location. The commercial lease terms seemed reasonable. You were ready to sign on the dotted line and get your business rolling. Then you saw it—that insurance requirement. Not just any insurance, but general liability insurance with coverage limits that made your eyes widen. Is your...

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