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Top Reasons Your Startup Should Invest In Product Liability Insurance
Product Liability Insurance Helps Protect the Business You Are Building Launching a product is exciting. It also puts your startup in the middle of real-world risks: a customer could allege [...]
What Are the First Steps a Business Should Take After a Cyberattack With Cyber Liability Insurance?
If you suspect a cyberattack, start by stopping it from spreading. Then preserve what happened, report the incident under your policy, and bring in the people who can help with [...]
Essential Insurance Types Every Daycare Business Needs for Complete Protection
If you run a daycare in Arizona, you are managing one of the most complex risk environments in the small business world. You aren't just watching children or elders; [...]
Top Reasons Your Startup Should Invest In Product Liability Insurance
Learn How Product Liability Insurance Protects Your Startup From Lawsuits & Product-Related Risks If you’ve ever started a new business, you know it brings a unique mix of feelings. [...]
Protecting Your Manufacturing Business With Comprehensive Pollution Liability Insurance
Stay Protected & Operate With Confidence Through Pollution Liability Coverage Running a manufacturing plant today goes beyond daily operational tasks. Yes, it’s important to manage production schedules, but it’s [...]
Why You Should Hire an Independent Insurance Agent in Arizona
Get Personalized Coverage & Ongoing Support To Your Specific Situation Many people assume all insurance policies are basically the same. A few clicks, a quick form, and you’re all [...]
What Types Of Property Damage Are Covered Under Commercial Property Insurance?
Choosing The Right Commercial Property Insurance: Tips & Expert Advice Few things are more stressful for a business than financial loss and major disruption to operations—both of which can [...]
Cyber vs Crime Insurance: Key Differences Every Business Should Know
Safeguard Your Arizona Company With Proper Insurance: Protect Your Assets & Reputation Imagine waking up to discover your business has lost thousands of dollars overnight due to a single [...]
Evaluating The Impact Of Winter Weather On Workers’ Compensation Claims
Effective Strategies To Keep Your Workforce Safe During Winter Weather Winter is often associated with warm blankets and hot drinks, but it can also bring dangerous conditions for workers, [...]
How To Spot & Avoid Contractor Fraud In Your Insurance Claim
Ensure You Hire a Trustworthy Professional & Avoid Potential Legal Trouble Dealing with an insurance claim can be stressful, especially when you need repairs done quickly. Unfortunately, fraudulent contractors [...]
Step-by-Step Guide: How To File a Workers’ Compensation Claim In Nevada
Understand The Process Of Filing a Workers' Compensation Claim In Nevada Workplace injuries can be overwhelming, disrupting your daily life, income, and peace of mind. Understanding the process of [...]
Why Life Insurance Is Essential For Your Financial Future
By Patrick O'Neill, PJO Insurance Brokerage. Arizona guidance, reviewed against Arizona Revised Statutes Title 20 and current IRS rules. Most articles about life insurance stop at "it replaces your [...]
California Health Insurance Plans: Simple Steps To Make The Right Choice
Buying health insurance in California can feel like taking a test you didn't study for. Between confusing terminology (deductibles, copays, coinsurance), dozens of different carrier options, restrictive provider networks, [...]
Brokers vs. Direct Agents: Uncovering The Key Differences In Choosing The Right Insurance Option
By Patrick O'Neill, PJO Insurance Brokerage. Reviewed for accuracy against Nevada Revised Statutes Chapters 683A and 685A. If a friend tells you to call their insurance guy, it helps [...]
What Are The First Steps a Business Should Take After a Cyber Attack Covered By Cyber Liability Insurance?
When your company suffers a cyberattack, the first thing you’ll want to assess is the potential financial loss. Has your credit card information been compromised? Are your systems locked [...]
What Are the Main Provisions of Workers Compensation Coverage in Arizona?
If you run a business in Arizona, state law requires you to carry workers' compensation insurance. This coverage pays for medical care and helps replace lost wages if someone [...]
What Benefits Can Arizona General Liability Insurance Offer My Small Business?
Protect Your Arizona Small Business: Unlocking The Full Potential Of General Liability Insurance Running a small business in Arizona is not easy, especially if you want to ensure customer [...]
How Can Employers Effectively Manage Workers’ Compensation Claims?
Effective Strategies For Managing Workers’ Compensation Claims & Reducing Risks As an employer, one of the biggest operational headaches in your day-to-day business can be managing workers' compensation claims. [...]
What Are The Financial Benefits Of Adding Employment Practices Liability To My Business Insurance Package?
Maximizing Business Protection with Employment Practices Liability Insurance (EPLI) Are you safeguarding your business against unforeseen risks? If not, you might be missing out on some significant financial benefits. [...]
How Can Cyber Liability Complement Arizona Contractor Insurance For Better Protection?
You secure the job site. You vet your subcontractors. You lock up the heavy machinery. But what happens when a hacker locks down your estimating software in the middle [...]
What Type of Insurance Do I Need After a Car Accident Injury in Arizona?
Navigating Car Accident Insurance Coverage: Your Essential Guide for Arizona Getting involved in a car accident can be a harrowing experience, but understanding the insurance coverage available in Arizona [...]
Making A Case For Product Liability Insurance
It seems that over the past four to five years, we have seen an incredible amount of new products being brought to market from some of the brightest entrepreneurs this [...]
Why EPLI Should Be Part of Your Insurance Program
Why EPLI Should Be Part of Your Insurance Program All across America, whether it’s new Orange County, CA start-ups and established companies over the past two years plus have added [...]
Have You Looked at Your Insurance Program Lately?
Have You Looked at Your California Business Insurance Program Lately? A few weeks ago, we sat down with a potential new client to discuss his insurance program in detail. His [...]
The Importance of Professional Liability
The Importance of Professional Liability One trend that has been occurring with more frequency for quite a few Orange County, CA companies is the use of independent contractors instead of [...]
Some Very Important Notes On Insurance
The Importance of Business Insurance for Your Company Our advice is that if you would like to explore how having an insurance plan for your business can be an [...]
Reviewing Your Current Orange County Insurance Policies?
Reviewing Your Current Orange County Insurance Policies? Reviewing Your Current Orange County Insurance Policies? Ensure your Orange County business has the insurance it needs by reviewing your policies. Patrick O'Neill [...]
Some Very Important Notes On California Insurance
Some Very Important Notes On California Insurance Some Very Important Notes On California Insurance Does a CA start-up business really need insurance? Broker Patrick O'Neill tells about how getting coverage [...]
Product Liability Insurance, Vital to Your California Company
Product Liability Insurance, Vital to Your Company
Proper Use of Sub-Contractors in Your California Business
Proper Use of Sub-Contractors in Your California Business When General Contractors come to our office to discuss acquiring an Orange County, CA General Liability policy, many of them say “We [...]
The OC Entrepreneurial Spirit – Alive & Doing Well
The OC Entrepreneurial Spirit - Alive & Doing Well With the Orange County, CA economy coming back to life, to a level we haven't been accustomed to for a few [...]
Having an Umbrella Policy Makes Good Sense
Having an Umbrella Policy Makes Good Sense The one event that in the country's business climate that is taking place with what I perceive as happening too frequently are lawsuits [...]
A Few Thoughts on Shopping for Commercial Insurance in Orange County
A Few Thoughts on Shopping for Commercial Insurance in Orange County If you are like me, it seems like every other commercial on television or radio these days is one [...]
The New Year Is Upon Us!!
The New Year Is Upon Us!! January 6, 2013 - Orange County, California We, at PJO Insurance Brokerage, would like to take this time to wish everyone in Southern [...]
Insurance Coverage & the Independent Contractor
Insurance Coverage & the Independent Contractor December 6, 2013 - Orange County, California In this day and age, running a successful business requires quite a balancing act. Do I [...]
Do I Need Professional Liability Insurance or Just General Liability Insurance For My CA Business?
Do I Need Professional Liability Insurance or Just General Liability Insurance For My CA Business? October 16, 2013 - Orange County, California For the most part, insurance is founded [...]
Craft Breweries & Brew Pubs Taking Off
Craft Breweries & Brew Pubs Taking Off October 1, 2013 - Orange County, California When I was managing restaurants and clubs in the seventies and early eighties in [...]
Revisiting General Liability Insurance
Revisiting General Liability Insurance April 26, 2013 - Orange County, California As most business people and owners know, one of the first things that you do when you [...]
Cyber Coverage, 2.0!!
Cyber Coverage, 2.0!! April 3, 2013 - Orange County, California Several months ago, we published a blog about Cyber Liability Insurance. Now, we did get some inquires and [...]
Understanding Pollution Liability Insurance
Understanding Pollution Liability Insurance March 13, 2013 - Orange County, California A Pollution Liability Insurance Policy is a very different kind of insurance coverage. The most common kind of [...]
Making a Case for Product Liability Insurance
Making a Case for Product Liability Insurance One of the best things that could happen to a new budding entrepreneur is seeing their product creation come to life and hit [...]
Cyber Liability Coverage, A Brave New World
Cyber Liability Coverage, A Brave New World Like a fairy tale, once upon a time doing business in this country was a much different endeavor. Most of the time, your [...]
Looking Ahead to What’s in Store for the Insurance Market
Looking Ahead to What’s in Store for the Insurance Market December 10, 2012 - Orange County, California Over the years, those of us that have been in the industry [...]
Starting Up the Proper Way
Starting Up the Proper Way November 23, 2012 - Orange County, California One of the best things about Orange County, CA is the incredible entrepreneurial spirit that is [...]