Friday, December 12, 2025Choosing between armed and unarmed security guards isn’t just a safety decision—it’s a major insurance and liability decision for California businesses. Understanding the differences can help protect your company from costly claims while ensuring you meet state and contractual requirements. READ MORE >>
Tuesday, November 25, 2025California pest control companies are entering 2026 in one of the toughest insurance markets in years. Rising claim costs, stricter regulations, and reduced carrier participation in the state have created higher premiums for core lines like General Liability, Commercial Auto, and Umbrella/Excess Liability. READ MORE >>
Friday, October 3, 2025 How BRM Protects Your Business Pest control operators across the country are feeling the squeeze of rising commercial insurance premiums in 2025. From business auto fleets to liability protection, costs are climbing—and for an industry that already faces unique risks, these increases hit hard. READ MORE >>
Wednesday, September 10, 2025When a fire or other covered loss damages insured property, the first relief for a business owner is knowing they have insurance. The next decision, however, can be challenging: should you rebuild or replace the property — or simply take the cash settlement? READ MORE >>
Monday, August 11, 2025Even the most experienced businesses may face situations where a customer claims an employee stole a personal item. While most cases turn out to be misunderstandings or involve third parties, these allegations can quickly harm relationships and your company’s reputation if not handled promptly and professionally. READ MORE >>
Monday, June 23, 2025Whether you're just starting out or managing a multimillion-dollar security operation, the size of your business has a direct impact on the type and scope of insurance coverage you need. At Bone Robertson & McBride Inc., we specialize in protecting businesses across California and 10 other states. READ MORE >>
Tuesday, May 6, 2025In today’s increasingly digital business landscape, companies in niche industries—like pest control, fumigation, and private security—are becoming prime targets for cybercriminals. While large enterprises tend to dominate the headlines, small to midsize businesses (SMBs) are facing a sharp uptick in cyber incidents. READ MORE >>
Monday, April 7, 2025In the world of commercial insurance, few things cause more confusion—or more surprise legal bills—than action over claims. If you're a contractor or subcontractor, it’s crucial to understand what these are and how they can seriously impact your business. What Is an "Action Over" Claim? READ MORE >>
Monday, March 17, 2025Reviewing insurance policies periodically is critical to confirm sufficient coverage limits and endorsements. It is equally important to ensure that all named insureds on the policy are accurate and up to date. For example, if you have recently placed your building in a trust, the trust must be properly listed on your insurance policy to avoid potential coverage gaps. READ MORE >>
Wednesday, January 8, 2025When running a Commercial Insurance business, maintaining strong client relationships and complying with contractual requirements are vital to your success. One key document often required by clients is a Certificate of Insurance (COI). READ MORE >>
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