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Our California Insurance Blog | Rico, Pfitzer, Pires and Associates of Gustine CA

Vacancy Provision

Category: Blog
Buildings photo

Vacancy Provision Under a commercial property policy, coverage is significantly different for buildings that are vacant for extended periods. Usually, certain types of coverage are completely eliminated during the vacancy. Insurance companies are interested in protecting ongoing businesses and premiums are based upon active occupancy. Continued, full coverage may be provided, but that is only … More

Phone Issues

Category: Blog
No phone1 photo

We are experiencing phone issues. Currently, our phone system is down due a circumstance beyond our control.   This is a system wide failure due to vandalism and affecting many.  The following text is from a press release regarding our phone system: “Vandalism on San Francisco Bay Area fiber optic cables is continuing, the Federal … More

Liberty Mutual Commercial Insurance Customers

Category: Blog
Commercial photo

Liberty Mutual commercial insurance customers are offered complimentary Risk Management webinars and seminars. Below are some the subjects available. Webinars: Crisis Management: Business Survival Strategies for Today’s Threats Office Workstation Assessments: Enhancing Productivity and Job Satisfaction Getting Results: Coaching and Feedback for Supervisors Educational Services Safety Tools: Just a Click Away How Does Your Fleet … More

Commercial Property Policy – Part 2

Category: Blog
Commercial property photo

Please refer to part 1 for additional Commercial Property Policy information. What CPP Covers A Commercial Package Policy covers building, completed additions, fixtures, permanently installed machinery and equipment, personal property that is used to service or maintain the building or premises, and, under certain circumstances, construction equipment, material and supplies. Under personal property, the CPP … More

Hay Stack Limits

Category: Blog
Hay

It is hay season again and it is important to understand your insurance coverage and hay stack limits. Anyone that has hay stacks on their property might want to pay attention to the following information: Hay coverage is offered on most Farm Insurance policies or sometimes as a separate coverage.  It is a great option … More

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