August 17, 2022
AgencyInsurance Scouts Joins Western Insurance Agents Association
We’re happy to announce Insurance Scouts has joined the Western Insurance Agents Association (WIAA) to be part of the solution to advocate for insurance issues affecting Californians. The main issues affecting Mono County and the greater California area are cancellations from carriers and carriers being unwilling to write new policies. Insurance rates have to […]
August 8, 2022
AgencySmall Businesses and the Impacts of Inflation
Most small businesses I talk to are feeling the impacts of inflation these days. It feels like it’s coming from all sides. One thing to keep in mind is whether you’re still adequately covered by your insurance, which this Travelers article (linked below) discusses. I’m always happy to talk to my clients and do […]
July 6, 2022
AgencyEmployer Question: Gas Bonuses and Workers Comp Insurance
I heard this question recently: If I bonus my employees for the increase in their fuel cost, do I also have to pay for Workers Compensation Insurance on that bonus? The answer is yes – since the bonus could be used for anything. But there is a way to avoid this… by reimbursing […]
July 2, 2022
AgencyLA Times: A Treacherous California Fire Season Made More Dangerous by Drought, Water Restrictions
We’re no strangers to the fears and realities of wildfire here in the Eastern Sierra. It has become a constant thought that accompanies life in California. Our low-snow winters don’t only affect us, they affect the entire state, and often increase the risk of wildfires. As this recent LA Times article says: “Increased fire […]
July 1, 2022
AgencyVerisk: Five Emerging Risk Trends Facing Homeowners
We always pay attention to trends and changes in the insurance industry, including general trends that affect homeowners in the Eastern Sierra, throughout California, and beyond. Verisk is working on filing a significant update to their ISO Homeowners program and shared a blog post about five emerging trends they’re addressing with the update. Read […]
February 22, 2022
AgencyAn Update on Cyber Threats
Cyber security and cyber crime have been around for a while, but these risks increased during COVID with so many more people and businesses operating remotely. In the insurance industry, we’ve seen more hacked networks, businesses interrupted because of hacking, and ransomware incidents in the past couple years. If your business uses any […]
July 19, 2021
AgencyMammoth Lakes Insurance Beneficial Risk Factors Versus Fireline Score
Property insurance continues to be a tricky situation in the Eastern Sierra. What this means is you might be paying more for your premium, or you might need to advocate to get the coverage you need. At Insurance Scouts, we always advocate for our partners to find the best coverage for you so you […]
July 16, 2021
AgencyWildfire & Insurance Facts: What We Know
The California Senate Committee on Insurance held an informational hearing on emerging issues with wildfires and insurance in March. Here are some key findings from that hearing. California homeowners and businesses have traditionally had broad access to high quality policies at relatively low prices that meet their needs under most conditions. Unfortunately, the insurance […]
July 14, 2021
AgencyCA Home Insurance Premiums Continue Rising
California home insurance premiums continue to rise, and the situation is getting untenable. My personal home insurance policy went up more than $1,200 last year, and I’m hearing the same from many of my clients. This CalMatters article offers a good overview of the situation. Basically the rise in wildfires has created record liability […]
April 17, 2021
AgencyDoes Your Homeowners Insurance Cover Dog Bites?
The Bidens’ rescue dog Major has been involved in two biting incidents this year. Major has received additional training since then, but it brings up a good topic — what happens if your dog bites someone? Does your insurance cover that? Did you know that most homeowners insurance policies cover dog bites? If you […]