Old Harbor Insurance Services

Christian Richter

Does Umbrella Insurance Cover Uninsured Motorist Claims? An In-Depth Guide

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does umbrella insurance cover uninsured motorist

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’ Compensation? What You Need to Know

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does umbrella insurance cover workers comp

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

Best Companies for Life Insurance in 2025: Top Picks and What Sets Them Apart

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Best Companies for Life Insurance in 2025: Top Picks and What Sets Them Apart

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 Welcomes Micah Albao as New Account Executive

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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: What It Covers and Why Businesses Need It

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commercial umbrella insurance california

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

How to Compare Commercial Auto Insurance Quotes in California

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Commercial Auto Insurance Quotes California

When searching for commercial auto insurance quotes California business owners often find themselves overwhelmed by the sheer variety of coverage options, price points, and policy fine print. But protecting your business vehicles isn’t just a legal necessity—it’s a financial lifeline. Whether you’re operating a single delivery van or managing a full fleet, the wrong coverage … Read more

Top Commercial Insurance Companies Operating in California

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Commercial Insurance Company in California

Choosing the right commercial insurance company in California is one of the most important decisions a business can make—and one of the most confusing. From shifting state regulations to wide variations in policy options, the landscape is anything but simple. Yet for California-based businesses, the stakes couldn’t be higher. A single gap in coverage or … Read more

Commercial Property Insurance Companies in California: A Comprehensive Guide

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Commercial Property Insurance Companies in California

Commercial property insurance companies in California play a critical role in protecting businesses from the state’s unique and escalating risks. From earthquakes and wildfires to rising rebuild costs and strict local codes, California presents one of the most challenging environments for property owners and tenants alike.  Whether you own, lease, or manage commercial space, the … Read more

Top Commercial Box Truck Insurance in California

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commercial box truck insurance california

Commercial box truck insurance California business owners rely on isn’t just a regulatory formality—it’s a vital layer of protection against lawsuits, accidents, and cargo loss on the road. From food distribution to furniture delivery, box trucks are the backbone of countless industries across the state.  But finding the right policy can be a challenge. Between … Read more

Getting a Commercial Auto Insurance Quote in California: A Quick Guide

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california commercial auto insurance quote

Getting a California commercial auto insurance quote may seem routine, but what’s behind that number can make or break your business. One poorly structured policy can expose you to lawsuits, operational shutdowns, or uncovered losses that wipe out months of profit. In California’s high-liability environment, underinsurance isn’t just risky—it’s dangerous.  This article is here to … Read more