Hello World!
Born into an insurance family, it’s almost inevitable that I was going to be part of the family business. I truly enjoy working with people and helping people better understand the need for coverage on the things that mean so much to them.
As today’s contracting market continues…eh…to contract, there is a common expectation that more and more projects will continue to get “sideways” as subs and general suffer under the weight of decreased margins. It always happens in the building cycle. Already, many sureties are seeing an uptick in claims. Translated, that means not all the sub- contractors on a particular job may be able to complete that job.
And once a job get’s sideways…it seems to be forever cursed! Work slows, then stops. The owner won’t pay or can’t pay the general, mechanics liens become more real and eventually…lawsuits may fly. So what can you do?
Well, unless your a general contractor who actually pulls financials or D&B’s on all your subs, there are some things you can do to minimize some of the risk for the acts of your subcontractors. One of those is through the use of insurance endorsements. I call this “Pushing the Risk Around”
Background
Almost every contractor requires that the subs on a job, or sub’s-sub name the contractor and owner as an additional insured. But what does that mean?
It means that if there is a problem (loosely defined here) on the job by one of the subs, the sub is going to name you and the owner of the project as an additional insured.
This means that if the GC gets sued by the owner or some other party, your policy is going to be first in line (assuming your the sub) and your policy may be called on to defend the sub, the sub’s sub and the GC…almost everyone!
Under California law, you are liable for the acts of your sub…or more accurately…your insurance policy could be liable for the acts of your sub. But does that seem fair? Well it depends…
If you had knowledge of the subs acts or subs inability to act due to some circumstance, it absolutely could be 100% fair! But, if you didn’t…then probably not but you’ll still have to pay!
However, did you know that there is something you could have done to protect you own assets and insurance policy a little bit more from the acts or failure to act of your sub? You could have protected yourself with an Additional Insured endorsement from your sub’s insurance company, that names you as an additional insured. In addition, you could have you sub’s insurance policy contractually name you as the “Secondary policy” and your policy could be named as “non-contributory”.
Many insurance forms have these endorsements available but it is surprising how few contractors actually take the time to protect themselves better from the “sole acts” of their subs. With this “Primary and Non-Contributory” language, your subs policy will protect you from the sole and negligent acts of the subs. Without it, your policy will probably be liable.
So, word to the wise, if you haven’t done so lately, go back and re-read your subcontractor agreement. Even if you do business on a handshake, make sure the Additional Insured, Primary and Non-Contributory language is in place. That way, if your sub screws up and you’re not at fault, your insurance company shouldn’t have to pay.
It takes just a moment in time to really stop this problem from “Pushing YOU around” in the end…
Have you thought about (and planned for) what one of the main exposures is to a church and/or non-profit organization? Sometimes “lost in the cracks” of a church’s ministry is the use of personally owned autos for “church business”.
Just because the auto being used in your business is not owned by the church (or other non-profit) does not mean that you won’t be held responsible for it’s operation. I recently spotted a great article by Philadelphia Insurance Press here for article that looked at 4 large losses involving use of a non-owned or rented autos, and what the factors were that contributed to the claim. Key factors found missing were proper screening of drivers; no formal policy in place outlining use of personal autos; no company policy for minimum (personal) liability limits; no pre-trip inspection of the vehicle was done; and no specific driver training was done.
So, what should you do from here to make sure your church or non-profit operates non-owned autos as safely as possible? We recommend:
1. Screen your drivers and make sure that they are qualified to safely operate the vehicle in question.
2. Make sure that personal autos used running your errands have adequate liability limits (I would suggest a minimum of $300K), and perhaps ask for a copy of their insurance declarations page for your file.
3. Train your drivers to drive defensively.
4. Evaluate your drivers with a process including a test out on the open road.
5. Develop a pre-trip inspection routine that is followed each time and every time.
Clearly it’s better to spend a few minutes now rather than “hope for the best”.
Cheers,
Brian D. Loven, Vice President
(559) 634-7115 direct
Hello world!
It is a pleasure and joy to work with a company with so much history and insight. My goal everyday is to help people through the Medicare maze and look for ways to reduce monthly expenses, to find more income, and protect hard-earned assets.
Wesley Hendrickson
Personal Insurance
Fresno • (559) 436-6655 ext. 115
Here is the President’s Health Care proposal that was published prior to the Health Care Summit held last week. It is a blend of the Senate and House bills:
http://www.whitehouse.gov/sites/default/files/summary-presidents-proposal.pdf
California Work Comp rates are being raised by most insurance companies. Business owners are in a position of trying to deal with declining revenues and increasing costs. In many cases, payroll reductions have actually driven the total insurance premium cost down, but the actual rates on the payroll you have left is going up. Once the California economy turns around, and it will turn around, the rate increases insurance companies are getting now will hit you just when your payrolls are rising.
Why are Work Comp Rates going Up in a Down Economy? Pinnacle Actuarial Resources, Inc. has put some thought into the answer of this, and published it in thier Research Brief linked here: “Competition gone awry” (page 4 of the newsletter).
Please post your comments and thoughts as to why Work Comp rates are going up, and more importantly, what can you do about it?
What is it that a Dentist wants from his Workers Comp? As most dentists never use this State Mandated coverage, I assume that what they want is the lowest rate possible. Do you agree?
For 15 years I have worked hard to provide dentists with the lowest cost Workers Compensation Insurance available. In that time our program has become the 2nd largest dental insurance group in California. But why not the largest? If you are a dentist with a good claims history and you are not in our group, why would you want to pay more? This is the question that I need your help in answering.
IS IT COVERAGE CONCERNS?: All Work Comp coverage in California is statutory, meaning the State sets the coverage for all carriers, so there is no difference there.
IS IT CARRIER CONCERNS?: We have never used a carrier with less than an “A”- AM Best Rating and we never will.
IS IT CONCERNS ABOUT FEES?: Our program is one of the only programs for dentists that does not include fees.
IS IT CONCERNS ABOUT UNDERSTANDING THE NEEDS OF DENTISTS?: Our group presently insures over 3,000 dentists. We are, to my knowledge, the only program that has ever changed the way claims are handled specifically for dentist. We have developed easier payment plans and even integrated our Dental Work Comp Group with California’s largest Health provider to better protect dentist’s and their workers and to save even more money on both products.
So you tell me, why aren’t more dentists using this product? I would love to hear your comments or suggestions.
Sincerely,
Brian Booth CWCA
Vice President/Dental Program Manager
Van Beurden Insurance Services, Inc.
(559) 897-2975
(559) 897-4070 Fax
(559) 634-7140 Direct Line
Unlike any other profession, the Calif. Dept. of Pesticide Regulation not only mandates insurance limits in order to obtain & maintain the applicator’s license, they also define the coverage required. The three points of coverage are:
1. Covers crop or landscape or property damage as a result of a drift from the area of treatment.
2. Covers crop or landscape or property damage that may result from the handling of a pesticide or equipment failure during the pesticide application.
3. Covers bodily injury to persons not involved with the pesticide application when the pesticide is directly or indirectly applied on them and results in an illness, or injury.
Drift, Equipment failure and Bodily Injury are self explanatory. Where the coverage challenge is the definition of “Handling”. “The term “Handle” is defined by the State of California Dept of Pesticide Regulation as: mixing, loading, transferring, applying (including chemigation), or assisting with the application of pesticides, maintaining, servicing, repairing, cleaning, handling equipment used in these activities that may contain residues, working with opened (including emptied but not rinsed) containers of pesticides, adjusting, repairing, or removing treatment site coverings, incorporating (mechanical or watered-in) pesticides into the soil, entering a treated area during any application or before the inhalation exposure level listed on pesticide product labeling has been reached or greenhouse ventilation criteria have been met.”
This wording requires the applicator to be responsible for damages to the surrounding area and to the crop the applicator is working with. Between the pollution exclusion and the “care custody & control” exclusion, the standard general liability policy excludes the required coverage.
In order to obtain the correct coverage, the applicator must purchase a policy specifically designed to cover the exposures outlined by Calif. DPR. This type of policy is a specialty and not provided by most insurance carriers.
If you have questions about the required coverage or related issues – please contact me at: Direct Line (559) 634-7113 or email: jheinric@vanbeurden.com
Jeanette Heinrichs, CPIW, Vice President, Van Beurden Ins. Services, Inc.
In my interactions with employers the question about one year statute of limitations defense for a workers compensation claim (for a single incident) is brought up on a regular basis. Most employers don’t know to establish the one year statute of limitations defense an employer must meet its burden of proof that an applicant had actual knowledge of their eligibility for workers compensation benefits. Some of us might scratch our heads on this one? Let’s review the case of:
C.I.G.A. v. W.C.A.B (2008) 73 Cal. Comp. Cases 771 Second District
In this case, David Carls reported to work, in 1997, two hours early and during that time he stepped in a hole and twisted his body. He then went to the company office and laid on the floor. An injury report was completed but he was told, by his supervisor, that since his injury occurred prior to his shift, it was not considered work related. His employer did not give him a workers compensation claim form (DWC1). He received medical treatment. A few years later(in 2004) he filed his claim for this injury. (some additional history )Carls had suffered a work injury in 1996 received benefits and litigated that one in 1999 (he was familiar with workers compensation rights and benefits for his 1996 injury)
The court held that the employer did not meet its burden of proof that Carls was aware of his rights (for the 1997 injury), they stated in part: …Whether it was compensable depended upon whether “at the time of injury, (Carls was) performing service growing out of and incidental to his… employment and acting within the course of his employment”… The record contains no evidence suggesting that Carls had any reason to doubt his employer’s implication that the injury was not compensable. On the contrary, Carls testified that he sought treatment from his own physician. Thus, Carls awareness of his right to compensation for the 1996 injury did not necessarily inform him of his potential right to compensation for the 1997 injury. We conclude that such evidence was insufficient to overcome the presumption that Carls was ignorant to his compensation rights…
My lesson from the Carls case is, if an employee reports an industrial injury that results in time off beyond the employee’s work shift, at the time of the injury, or results in a need for medical treatment beyond first aid, GIVE the employee a claim form (DWC1) and document that you did. An employer should never deny workers compensation benefits to an employee, leave that up to the insurance carrier. In all, I tell employers there is NO statute of limitations when a claim form is NOT provided.
The attached is the best article regarding the cost of health care that I have read in my 30 years of being involved in health insurance:
http://www.theatlantic.com/doc/200909/health-care/2
The next time you are looking for an insurance agent, consider asking them for some ideas that can help your business that are not insurance related. For example, I have several contractor clients that have now done business with each other because I got the chance to introduce them. You never know who will be doing what and a good network can be a real value to a client. Its all about getting out there and knowing what’s going on in their business.
The cost of not working with your medical provider to have a comprehensive, full pay, return-to-work program is always alot more than most of my clients would predict. When a claimant is not offered modified or light duty during a claim, the life of that claim is extended greatly and the individual claims costs will rise, simply from the fact that you are allowing the insuror to pay that claimants wage.
In your basic claim, the cost in modification increases caused by the payout for both medical and indemnity (payroll) to a claimant will come back threefold on the employer, especially for smaller claims as they are calculated at 100% of their value (no discounting in the calculation). This trasnlates into future increases in premium to the client.
The biggest resistance we see is, “We have nothing for them to do”. Surely your staff can get together and outline something for them to do, and if you have already taked to your MPN doctor about your program and get a good outline on what the claimant “Can” do, instead of a list of things they “Can’t” do, then you can come up with something. My clients in the past have even used non-profit organizations in the local community to get claimants back to any kind of work that they can do with the work restrictions placed on them by the treating physician.
Making sure that you can accommodate any kind of restriction within your program will, in the end, save you quite a bit of money in premium savings through modification reductions. So meet with your primary treating physician, and get a plan in place to keep your people on the job. If you would like help in this area, feel free to contact me at (559)634-7136 or at guyt@vanbeurden.com.
On March 1st 2010 Cal-OSHA will mail assessments to employers with experience modifications of 125% or more as of 12/31/2009. Payment is due in 30 days or turned over to the State Franchise Tax Board for collection. The amount of the assessment is determined by the annual payroll generated in the last period. For FAQ’s including assessment amounts please check out https://www.dir.ca.gov/dosh/ticffaq.html . The cap was raised from $2,500 to $10,000 in mid 2008. There are a significant number of ex mod miscalculations due to claims and/or audit that can be reversed. If you would like to review your ex mod and workers comp program please contact me.
Mark D. O’Bryan CWCA PWCA CISC
(805)528-1484 Ext. 735
(805)528-1487 FAX
Good morning world!
As many of you might know. Anthem Blue Cross filed a rate increase effecting individual policy holders in the state of California. This was originally going to take effect March 1st of 2010. Since then the California Department of Insurance has stepped in to have Anthem Blue Cross justify their high rate increase. The California Department of Insurance will be hiring an independant actuary to review the requested rates.
The good news is the original rate increase will be delayed until May 1st, 2010 due to the audit. This will allow plenty of time to make plan changes or shop around. For more information please contact me or see the California Department of Insurance for the latest news and updates.
Have a great week!
Big News for buyers of church insurance! GuideOne Insurance has updated their church insurance policy form effective December 1st, 2009 for new and renewing policies. In their continuing effort to remain the leader in church insurance, GuideOne’s Faith Guard policy replaces their tried and trusted Cornerstone Plus form.
I have personally done business with GuideOne (the former Preferred Risk Mutual) since 1990, and they continue to offer (in my opinion) the very best in coverage and service, all at a great price.
I was recently able to move a policy to Van Beurden from one of GuideOne’s major competitors saving them money , but more importantly, broadening their insurance coverages giving them better protection for those unforeseen things that happen “in life”.
Great Stuff!
Call me and let’s discuss what I can do to help your church.
On November 9, 2009 Commissioner Poizner approved several changes to the experience rating formula used by the WCIRB to calculate experience modifiers. These changes went into effect on January 1, 2010.
Experience Modifier Calculations
In order to understand the changes that occurred we will review the basics of the experience modification process. An Ex Mod is a way of comparing your losses to other employers in similar lines of work. Payroll and losses are gathered from all employers using the same class code, these figures are used to generate an expected loss rate, cost of injuries versus payroll. A three year period of your actual loss rates is compared to the expected loss rates to determine your experience modifier. All insurance companies must use your experience modifier when calculating your rate. The Ex mod is a multiplier of the total premium with a 1.0 mod being average.
Changes in Primary and Excess Losses
The primary and excess portions of a claim are used to separate frequency from severity. The thinking behind this is that an employer can control the number of claims but not the severity.
The old calculation broke down a claim using three tiers. Tier one $1 – $2000 of a claim were entered at full value. $2001 – $8500 were still primary losses but at a degraded value based on employer size and industry. $8501 + were entered as excess losses and a degraded value based on employer size and industry.
The WCIRB will no be using a two tear split. Tier one $1 – $7000 will be primary and entered at full value. Tier two $7001 + will be excess and enter as a degraded value based on company size and industry.
What is the Effect to Your Business
This change in calculation puts and increased focus on frequency and first dollars of a claim. For employers with a large number of claims between $1 – $7000 this will equate to potentially a large jump in modifier. The WCIRB expects the change to have a moderate to no affect on the modifier for 60% of companies. The other 40% will see larger increases in their modifier with a project 2% experiencing jumps of 40 points.
What Can You Do
Two things that you should look at in addition to continuing a focus on safety are a complete return to work program and improving your clinic relationship. With a focus of eliminating every dollar spent under $7000, it is more important now that you have no lost time injuries. Make sure that you can accommodate every injury restriction, the clinic relationship plays into this. Your clinic should know not to determine whether light duty is available, only to clarify what the work restrictions are. In order to do this the clinic needs to understand your commitment to light duty and that you will accommodate the restrictions. A strong clinic relationship also lends itself to having more claims be considered first aid, which should always be paid by you.
If you have any questions in regards to this article or would like to know if you modifier will be affected please feel free to contact me. Also, please feel free to forward this to anyone you feel may benefit.
Thank you,
Kevin Frost, CWCP
Assistant Vice President
Van Beurden Insurance Services
559-634-7138
Wellpoint, parent company of Anthem / Blue Cross has warned its individual policy holders that their rates may go up 39%, but the majority of their policy holders will have a 24% rate increase. They advise this is due to claims dollars paid out are higher than premiums brought in, among other reasons.
It appears that real health insurance reform is not going to happen anytime soon. With the recent election of the Republican senator in Massachusetts, the Democratic majority was ended. While many Americans did not like the direction that Health reform was going, I am concerned that reform will now take a back seat to other, also very important, priorities. America needs health insurance reform. Unless we collectively make changes, we will continue to see rate increases that Americans simply cannot continue to pay.
If you have an individual health insurance policy, be sure to contact your health insurance broker to review your specific needs. A broker can provide guidance, information and a variety of insurance companies with different plans and premiums.
Quality claims control (post injury) is, and should be, one of, if not the main factor when purchasing Workers Compensation in the current marketplace. It is important for business owners to carefully evaluate any new or financially suspect carrier to make sure that their modification (the controllable portion of your premium calculation) is not jeopardized for a one time savings in premium.
Why would you gamble a 10% one year savings and jeopardize a modification that saves you 42% each and every year? If the company that you go with (the cheapest) allows claims to go on and on, unimpeded, it will destroy your modification almost immediately. Claims from one year will affect your premium for up to 3 years. The running life of these claims is effectively 4 years.
The cheapest carriers may cut costs by eliminating various services, like effective cost containment in their claims division, in order to provide you with the lowest possible pricing. This elimination of services will be effecting the cost of your claims which will drive your modification higher in the long run.
So that one year, 10% savings, may end up costng you ten of thousands of dollars in premium over the life (3 year calculation period) of the claims costs generated that particular year.
In a nutshell, I request you to take a long-term perspective regarding your total costs when making your Workers Compensation buying decision.
Guy Teafatiller
Commercial Insurance
Kingsburg • (559) 634-7136
Welcome to my blog. I promise to post regularly to keep you up to date on important happenings in the insurance world.
Hello world!
I first joined Van Beurden in 1994, and I think what I enjoy most is the people I get to meet everyday and the customers I provide service to. Insurance can be overwhelming for some customers; it’s my job to help make good decisions.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update very these soon.
Brigette Clyborne
Personal Insurance
Kingsburg • (559) 634-7129
Contact Brigette
Hello world!
I enjoy the daily interaction with my customers. I joined Van Beurden in 1986 to help businesses make better insurance decisions. As a Work Comp Advisor, I specialize in agribusiness, churches and non-profits.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Brian Loven
Commercial Insurance
Kingsburg • (559) 634-7115
Hello world!
I started with Van Beurden in 1993. I am a Work Comp Advisor and dental office specialist. I love to help people solve problems. I love the relationships. Many of the people I met when I first started are still important clients today.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Brian Booth
Commercial Insurance
Kingsburg • (559) 634-7115
Hello world!
I’ve been with Van Beurden since 1995. I started in the insurance business because I saw it as a career that I could commit myself to for the long term. I am a Certified Professional Work Comp Advisor, and I am pleased to provide my clients with unparralleled service.
I hope that 2010 will allow all my clients and prospective clients greater opportunity to profit in these tough financial times.
Guy Teafatiller
Commercial Insurance
Kingsburg • (559) 634-7136
Hello world!
My first job was in the insurance business. I’ve been a service rep, a claims manager, an agency office manager and now I am an experienced agribusiness specialist for commercial applicators, landscapers and farmers.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Jeanette Heinrichs
Commercial Insurance
Kingsburg • (559) 634-7113
Hello world!
I was born in Florida, educated in New York City, I have called Morro Bay home for more than 30 years, and I have been with Van Beurden since 1986. I work hard to find insurance solutions for businesses and guide them through the insurance maze.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Gabe Rossetti
Employee Benefits
Los Osos • (805) 503-4726
Hello world!
I started at Van Beurden when I was just 17 years old. The best part is helping customers identify their risk exposures as they travel through different seasons of their lives. I can help protect their finances, and all the things that mean so much to them.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Aniek Ramsay
Personal Insurance
Woodland • (530) 661-0666 ext. 18
Hello world!
My ambition is to understand my customers’ risks and to provide them with coverage that is carefully tailored to their needs. I take pride in servicing my customers on a personal level – because that results in long-term relationships.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Andrea Frommelt
Personal Insurance
Woodland • (530) 661-0666 ext. 19
Hello world!
I’m proud to be a Van Beurden family member and Branch Manager of a vital Woodland business. It’s very rewarding to be able to provide superior service to our customers and to make sure their needs are taken care of.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Mary Beck
Branch Manager
Woodland • (530) 661-0666 ext. 15
Hello world!
I specialize in personal insurance policies for home, auto and life. I’ll do my homework to understand your goals, and then develop a personalized insurance package that will safeguard the people and things you care about.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Jennifer Kennedy
Personal Insurance
Fresno • (559) 436-6655 ext. 117
Hello world!
I really enjoy the challenge of servicing my clients and finding solutions for their insurance needs. More than 20 years of experience, education and training in specialized insurance products helps me provide clients with successful insurance solutions.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Marge Van Beurden
Commercial Insurance
Los Osos • (805) 503-4732
Hello world!
Since starting my insurance career with Van Beurden Insurance Services in 1990 I have had the opportunity of working with many wonderful people in our community. I enjoy talking with my clients and helping them obtain the best coverage available to protect their assest at the best possible rate.
Judy Irons
Personal Insurance
Los Osos • (805) 503-4730
Hello world!
Since joining Van Beurden in 2007, I’ve enjoyed the personal satisfaction and excitement of working to help customers find solutions to their insurance needs. As a Certified Work Comp Advisor, I work with businesses to successfully reduce costs.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Casey Kolb
Commercial Insurance
Woodland • (530) 661-0666 ext. 14
Hello world!
I joined Van Beurden because I really enjoy helping people. I’ll develop a personalized insurance program for your home, autos and life. I also work with farms and small businesses.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Catherine Millan
Personal Insurance
Fresno • (559) 436-6655 ext. 118
Hello world!
A Central Coast resident most of my life, I have built strong ties throughout San Luis Obispo County. I began working for the family insurance business in 1988 and I am dedicated to building long term relationships of trust and professionalism.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Carrie Van Beurden
Personal and Farm Insurance
Paso Robles • (805) 238-2181 ext. 108
Hello world!
I have been in the insurance business for more than 30 years – the last 15 with Van Beurden – and I’ve enjoyed learning how different businesses operate. Of course, each industry serves a different part of the economy so it is rewarding to be part of my clients’ success.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Ron Calderon
Commercial Insurance
Los Osos • (805) 503-4734
Hello world!
I’ve been in the insurance business since 2005. Before that, I owned an auto detail business, so I understand the challenges business owners face. I’m here to do everything I can to help my clients make wiser choices, so they can have both quality coverage and profits.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Sean Herndon
Employee Benefits
Kingsburg • (559) 634-7112
Hello world!
I started with Van Beurden in 1984, and specialize in transportation, ag and Work Comp. What I’ve enjoyed most about the insurance business is meeting and working with people to reduce their insurance costs.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Don Clark
Commercial Insurance
Kingsburg • (559) 634-7137
Hello world!
As a Work Comp Advisor, and a former claims liaison with the State Compensation Insurance Fund, helping businesses reduce their insurance costs is my goal. I truly enjoy using my experience to save money for Van Beurden clients.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Rene Sanchez
Work Comp Claims Liaison
Kingsburg • (559) 634-7120
Hello world!
Living on the Central Coast and being involved in the lives of so many friends and businesses is a magnificent benefit of the insurance agency. Meeting the challenge of providing people and businesses with financial protection in case of loss is enormously gratifying.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Cle Van Beurden
Branch Manager, Personal Lines Manager
Los Osos • (805) 503-4725
Hello world!
I’ve lived in San Luis Obispo for more than 30 years, and with more than 20 years of insurance experience, I find this to be a fascinating business. Providing insurance solutions is ever-changing and always challenging. It’s my passion and honor to educate, advise and serve our clients.
Happy New Year 2010, and thanks for reading my first blog post. We plan to update these soon.
Jan May
Employee Benefits
Los Osos • (805) 503-4729
