by Tom Moore | Mar 4, 2026 | Small Business Insurance
Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Certificate of insurance requests are common in business contracts, but they can quietly increase your liability. A certificate itself does not change...
by Tom Moore | Feb 27, 2026 | Personal Insurance
Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Indemnification clauses and insurance exposure go hand in hand. An indemnification clause shifts financial responsibility from one party to another, often...
by Tom Moore | Feb 25, 2026 | Small Business Insurance, Business Insurance, Commercial Insurance
Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Insurance liability in master service agreements can transfer financial risk to your business in ways your standard policy may not fully cover. Spokane...
by Tom Moore | Feb 20, 2026 | Personal Insurance, Small Business Insurance
Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: When to separate personal and business insurance depends on whether your activities create business liability exposure. If you earn income, serve clients,...
by Tom Moore | Feb 18, 2026 | Home Insurance, Personal Insurance
Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Yes, you can be sued if someone slips on your icy porch, especially if it appears you failed to take reasonable steps to address a known hazard. In...
