New California Business: The Insurance You Should Have in Place in Your First 30 Days
Just opened your LLC or DBA in California? Here is the exact insurance starter pack — GL, Workers Comp, BOP, commercial auto, bonds — and the order to buy them in.
Workers Comp in California: W2 vs. 1099 — Who Actually Needs Coverage and Who Can Skip It
If your workers are 1099 contractors, do you still need Workers Comp in California? The short answer is: usually yes. Here is why — and the AB-5 / Borello rules that decide it.
Why Your California Auto Insurance Rate Just Went Up (And What a Broker Can Actually Do About It)
Your renewal hit and it is 25-40% higher than last year. Here is what is actually driving it: rate filings, the post-2023 California catch-up, and what a broker can shop on your behalf.
Need a Certificate of Insurance Today? Here's How a Broker Issues a COI in Under 1 Hour
Your customer is asking for a COI before tomorrow morning. Here's exactly how a real broker can pull it together in under an hour — the documents we need, the limits language, and the additional-insured trick that closes deals.
DUI in California: What Happens to Your Auto Insurance, and How to Get Covered Fast
After a DUI in California, your standard carrier will likely drop you. Here's what comes next: SR-22 filing, non-standard markets, what your rate will look like, and how a broker shortcuts the process.
California Home Non-Renewal: What to Do in the First 30 Days
Got a non-renewal letter? You have 30 days before coverage stops. Here is the exact action plan — FAIR Plan, DIC wraparound, and how to keep your mortgage company happy.
Home Insurance in California — Wildfire Coverage, Non-Renewals, and How to Stay Insured
California's wildfire seasons have caused major carriers to non-renew tens of thousands of homeowners. Here's what's actually covered, what's excluded, what FAIR Plan is, and how CoverToday helps homeowners in fire-zone ZIP codes find coverage that holds.
Workers' Compensation Insurance in California — Mandatory Coverage Every Employer Needs
California requires every employer with even one employee to carry Workers' Compensation. Here's what WC covers, what happens if you skip it, how rates are set, and how CoverToday shops multiple specialty WC carriers to find the best class-code rate for your business.
Business Owner's Policy (BOP) in California — What's In It and Who Needs One
A Business Owner's Policy bundles General Liability + Property + Business Income protection into one policy at a discount. Here's what's covered, who it's right for, and how CoverToday writes BOPs across multiple specialty carriers in California.
Rideshare Insurance in California — Don't Lose Coverage Driving Uber, Lyft, or DoorDash
Driving for Uber, Lyft, DoorDash, Instacart, or Amazon Flex in California? Your personal auto insurance has a gap that can leave you exposed during periods 1–3 of a rideshare trip. Here's what rideshare endorsement covers and how CoverToday writes it bilingually with multiple carriers.
