Christian Richter 
If you’re wondering does an F550 require commercial insurance, the answer isn’t black and white. This heavy-duty truck straddles the line between personal and commercial use, and your coverage needs depend on how it’s registered, how it’s used, and which insurer you’re working with. From GVWR thresholds and state rules to carrier-specific policies and real … Read more
The question “does a F‑450 require commercial insurance” often sparks confusion among heavy-duty truck owners who use the vehicle for both personal and business purposes. Because the F‑450 straddles the line between personal use and commercial utility, insurers—and state regulators—treat it differently based on how, where, and why it’s used. In this article, we’ll walk … Read more
Can you have commercial insurance and Medicaid at the same time, especially if you’re a small business owner or self-employed? It’s a question that trips up many—and for good reason. The overlap between public healthcare programs and private or commercial insurance policies can be complex, especially when your business requires general liability, commercial auto, or … Read more
Can I get commercial insurance on my personal vehicle if I’m using it for both work and personal errands? That’s a question more business owners and freelancers are asking as their vehicles pull double duty. The answer is yes—but only under the right conditions. Whether you’re making deliveries, meeting clients, or driving for a side … Read more
What is commercial combined insurance and why are so many business owners turning to it as their all-in-one risk solution? In simple terms, it’s a customizable insurance package that protects multiple aspects of your business—property, liability, operations, and more—under a single, flexible policy. Whether you run a retail shop, a construction firm, or a professional … Read more
Does umbrella insurance cover uninsured motorist claims when the other driver leaves you with massive medical bills and no coverage? That’s one of the most misunderstood questions in personal insurance—and the answer isn’t as straightforward as most think. While traditional umbrella policies don’t automatically include uninsured or underinsured motorist (UM/UIM) coverage, some carriers offer endorsements … Read more
Does umbrella insurance cover workers comp claims? It’s a common question—and a confusing one. Many business owners assume their umbrella policy will step in when workers get injured on the job, but the truth is more nuanced. While umbrella insurance expands liability protection, it doesn’t replace mandatory workers’ compensation coverage. Still, there are scenarios where … Read more
When searching for the best company for life insurance, you’re not just comparing policies—you’re navigating a 2025 landscape marked by rising premiums, hybrid offerings that blend long-term care, and digital-first providers promising instant approvals. But speed isn’t the same as security. What matters most is finding a plan you trust, with coverage tailored to your … Read more
Old Harbor Insurance Services, LLC is pleased to announce the addition of veteran insurance professional Micah Albao as an Account Executive, continuing the agency’s commitment to personalized service and experienced guidance amid California’s challenging insurance landscape. Micah began his insurance career in 1999, following in the footsteps of his father, who served as a trusted … Read more
Commercial umbrella insurance in California is more than a safety net—it’s the difference between staying in business or shutting down after a major claim. As lawsuits grow more frequent and settlements soar, even well-covered companies are discovering that standard liability policies often fall short. That’s where umbrella insurance steps in, filling costly gaps and extending … Read more
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