© 2022 Apex Commercial Insurance Services
6790 Embarcadero Ln, #100
Carlsbad, CA 92011
Main Line: 760-376-9090
Peter’s Direct: 760-376-9091
Fax to Email: 760-376-9099
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Privacy Policy
How to Choose a Cyber Insurance Policy
/in NewsA cybersecurity breach can be detrimental to a small business. In fact, according to the National Cyber Security Alliance, 60% of small businesses that are targets of a cyberattack close within six months.
In their 2021 report, the Government Accountability Office found that more insurance clients are opting-in for cyber coverage—up from 26% in 2016 to 47% in 2020. At the same time, U.S. insurance entities saw the costs of cyberattacks nearly double between 2016 and 2019.
There are some important factors to consider when choosing the right cyber insurance for your business. Consider these variables so you are sure you acquire the right coverage for you.
Your Small Business’s Guide to Employment Practices Liability Insurance (EPLI)
/in NewsWith more workers returning to work in person, the number of employment practices liability insurance (EPLI) claims is rising.
In fact, research from the Equal Employment Opportunity Commission (EEOC) shows that EPLI claims have increased annually since 2003, with 37,632 workplace retaliation claims filed in 2020—and more rising in 2022.
Your Comprehensive Commercial Insurance Renewal Checklist
/in NewsTrust us – you don’t want to skip your annual commercial insurance renewal. Why? If your business has changed over the past year, you run the risk of potentially overpaying for coverage or leaving your business underinsured.
During the business insurance renewal process, business owners have the opportunity to work with the
Why Some Properties are Getting Too Expensive to Insure
/in NewsMany Americans are experiencing rising home insurance premiums and in extreme cases, some properties are becoming too expensive to insure. How can this be the case? Properties in disaster-prone states have experienced a surge in premiums due to factors including climate change.
What You Need to Know About Changes to Cyber Insurance
/in NewsThe world of cyber insurance has gone through a slew of changes in the past five years. Why? There has been an exponential growth in the number, scale, and technique of cyber attacks. Each of these increases has led to an increase in demand for cybersecurity insurance, a consequential increase in premiums as well as some other adjustments.
Let’s go over the basics of cyber insurance so we can understand the impact of these changes.
Small Businesses: Your Guide to Workers’ Compensation
/in NewsAdopted in most U.S. states nearly a century ago, workers’ compensation insurance is the oldest American social insurance program. Since then, workers’ comp has become required in nearly all states as soon as a company hires its first employee.
In this guide for small businesses, we’ll review all the information that small business owners need to know to get started with workers’ compensation insurance.
Why Are Directors & Officers (D&O) Insurance Rates Increasing?
/in NewsAs company leaders look to protect their leadership, they may notice a rise in rates for D&O insurance. The Directors’ & Officers’ (D&O) liability insurance market experienced huge rate increases in 2020; with some of these increases peaking at over 70%.
General Liability vs. Professional Liability: What’s the Difference?
/in NewsAs a business owner, it can be difficult to decide what forms of liability insurance you’ll need to protect your business.
Your Guide to Directors & Officers (D&O) Insurance
/in NewsDirectors and officers liability insurance is an essential part of corporate risk management. According to Investopedia, more than 25% of private companies reported a D&O loss over the span of three years. 96% of these private companies stated the D&O loss affected resulted in a negative, financial impact on their business.
Why are Workers’ Compensation Rates Rising?
/in NewsEmployers in California are required to purchase workers’ compensation to protect against work-related injuries and illnesses.
Errors & Omissions (Correction: We Misstated)
/in NewsErrors and omissions insurance is a form of professional liability insurance that protects businesses, their workers, and other professionals. E&O provides coverage for claims of inadequate work or negligent actions.
Insurance Requirements When Undergoing an M&A
/in NewsMergers and acquisitions (M&As) have become increasingly common in the last few decades, hitting new highs in 2021 and bringing in trillions of dollars. In fact, according to PWC, 62,000 M&A deals took place globally—a 24% rise since 2020.