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Bone Robertson & McBride Inc Blog

View the latest blog posts from Bone Robertson & McBride Inc.

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Monday, July 20, 2026

East Bay Termite Season and Pest Control Operators Insurance: Managing Peak Risk

Spring and summer trigger swarming season for subterranean termites across the East Bay, and for pest control operators, that means busier schedules, more client interactions and greater exposure to risk. Why Termite Season Increases Your Liability Exposure READ MORE >>

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Thursday, June 25, 2026

Armed vs. Unarmed Security Guards: What You Need to Know About Insurance in 2026

The insurance market for California security contractors has tightened. Carriers are scrutinizing underwriting more carefully, certain high-risk verticals—nightclubs, cannabis, shelters, event security—face reduced options and steeper rates, and excess capacity is harder to find. READ MORE >>

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Thursday, May 28, 2026

Scaffolding Insurance in Texas: What Contractors Need to Know Before the Next Job

Scaffolding is one of the highest-risk trades in Texas construction — and a standard contractor’s policy often isn’t built for it. The right scaffolding insurance program protects your crew, satisfies GC contract requirements, and keeps your business standing after a serious claim. READ MORE >>

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Thursday, May 21, 2026

Pest Control Insurance for Residential vs. Commercial Services: What Every Operator Needs to Know

If your pest control company handles both homeowners and commercial accounts, you already know the two sides of the business feel completely different on the job — and they should feel different on your insurance policy, too. READ MORE >>

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Wednesday, April 15, 2026

Security Guard Insurance: Essential Coverages Most Firms Need

Security guard companies operate in a high-risk environment where even a single incident can lead to significant financial exposure. The issue is that many firms believe they’re covered—when in reality, key risks like assault and battery or armed guard liability are often excluded from standard policies. READ MORE >>

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Friday, March 20, 2026

Fleet Insurance for Pest Control Companies: What It Is and Why It Matters

Pest control companies rely on service vehicles every day to reach clients, transport equipment, and carry treatment materials. Whether you operate three trucks or thirty, these vehicles are essential assets—and they also carry risk if something goes wrong on the road. READ MORE >>

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Thursday, February 12, 2026

Why Security Companies Need Professional Liability Insurance

Security companies carry a unique responsibility: protecting people, property and sensitive information. Whether they provide on-site guards, remote monitoring, alarm installation or cybersecurity support, clients rely on them to prevent losses and respond effectively when something goes wrong. READ MORE >>

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Tuesday, January 20, 2026

California Workers’ Compensation for Security Guard Operators: What You Need to Know

Security guard operators face real on-the-job risks every day — from physical altercations and patrol-related injuries to long shifts that increase fatigue and strain. In California, a single workplace injury can quickly lead to medical costs, lost productivity, and licensing issues. READ MORE >>

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Friday, December 12, 2025

Armed vs. Unarmed Security: Insurance Requirements Every California Business Should Know

Choosing 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 >>

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Tuesday, November 25, 2025

California Pest Control Insurance Essentials for 2026

California 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 >>

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