California Blog

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 later can become problematic. Orange County, California Over the past several years of working with my clients and potential clients, [...]

Product Liability Insurance, Vital to Your Company

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 have no employees, and I sub everything out; so shouldn't the premium be lower?” In many instances, this is the [...]

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 years, there has been a sizable increase in people taking that giant step forward and starting their own business. Overall, [...]

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 being filed against more and more companies and additionally it seems like the awards being handed out increasingly exceed six [...]

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 promising you a significant savings on your insurance, whether it be a certain percentage or hundreds of dollars simply by [...]

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 California and around the country a Happy and Healthy New Year! In looking back, I have to think that I [...]

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 hire new employees, subcontract the work out, or hire an independent contractor? In talking with OC clients and prospects, I [...]

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 on the principles of protecting a company or an individual from various perils. Those perils can range from property destruction [...]

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 the Midwest, for most establishments, the beer menu was ninety percent American beers and, maybe, ten percent imports. Micro brews [...]