Stay Informed Listen for emergency information and alerts. If told to evacuate by local officials, do so immediately. Dealing with the Weather Determine how best to protect yourself from high winds and flooding. Take refuge in a designated storm shelter, or an interior room for high winds. If trapped in a building by flooding, go…
The official Atlantic hurricane season runs from June through November, but occasionally storms form outside those months. September is the most common month for hurricanes making landfall in the U.S., followed by August and October, according to an analysis of 1851 to 2015 data by the National Oceanic and Atmospheric Administration. No hurricanes made U.S. landfall before…
Protecting yourself and your family Be sure that all family members know how to turn off utilities (gas, water and electricity) in an emergency. Make sure every family member knows where safe spots are in each room, such as under sturdy tables or desks or in strong doorways. Identify danger zones in each room, such…
Earthquakes An earthquake is a sudden, rapid shaking of the ground caused by the shifting of rocks deep underneath the earth’s surface. Earthquakes can happen without warning and can result in injuries and damage to property and roads. Earthquakes can cause fires, tsunamis, landslides or avalanches. While they can happen anywhere, areas at higher risk…
Standard homeowners, renters and business insurance policies do not cover damage from earthquakes. Coverage is available either in the form of an endorsement or as a separate policy. Earthquake insurance provides protection from the shaking and cracking that can destroy buildings and personal possessions. Coverage for other kinds of damage that may result from earthquakes,…
Dear Valued Customer, While earthquakes are most commonly associated with California, they have occurred in 39 states over the last 100 years, and have inflicted damage in all 50 states. In fact, each year there are about 5,000 earthquakes. This issue of “————–” is focused upon understanding the risks and issues associated with insuring for…
Employers having five or more employees must train all supervisors in California, as well as nonsupervisory employees in California. A supervisor is anyone with authority to hire, fire, assign, transfer, discipline, or reward other employees. A supervisor is also anyone with the authority to effectively recommend (but not necessarily take) these actions if exercising that…
Dear Valued Customer, State regulations define sexual harassment as unwanted sexual advances, or visual, verbal or physical conduct of a sexual nature. This definition includes many forms of offensive behavior and includes gender-based harassment of a person of the same sex as the harasser. The following is a partial list of prohibited behavior: Visual conduct:…
Real World Scenarios Here are a few real world scenarios that resulted in the filing of D&O lawsuits: Breach of fiduciary duty. Creditors of a company that was having some financial trouble and in need of capital, sued its directors and officers for failure to identify, evaluate, negotiate, and secure the sale of company assets in…
D&O insurance policies offer liability insurance coverage for the Directors and Officers of non-profit, for-profit, and privately held businesses. Directors and Officers insurance helps protect them from defense costs and damages which may arise from managerial decisions that may have adverse financial consequences. All organizations are vulnerable to D&O insurance exposures. Read more about the who,…
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Landscape Contractors Insurance Services, Inc.
A Division of World
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906