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What Happens If I Don’t Have Business Insurance? 

For business owners, especially small businesses, there are quite a few tasks to complete to follow regulations. You must have a location, clients and customers, and if not self-employed, staff. Managing a business requires you to fill out many forms, adhere to extremely specific rules, and follow guidelines directly and, most importantly, correctly. One of … Read more

How EPLI Differs From General Liability Insurance

Many business owners fall into the trap of believing that general liability insurance protects them from all potential lawsuits. This misconception can prove costly when an employee files a discrimination, harassment, or wrongful termination claim. Choosing to rely solely on general liability insurance often leads business owners to regret it when they discover the significant … Read more

What Full Coverage Insurance Really Means for Motorcyclists

Overturned motorcycle after collision

Anyone who rides motorcycles understands that a rider’s bike is one of their most prized possessions. For millions, motorcycles aren’t just a fun way to get around; they are a lifestyle. One that has attracted and maintained the attention of millions, creating demand for insurance that explicitly covers riders and their bikes. A web search … Read more

Do I Need Additional Insurance as an Uber Driver?

Female passenger texting in the car

Rideshare driving has exploded across the country, creating new opportunities for Americans to earn flexible income. Unfortunately, it also introduced new insurance considerations that many drivers don’t understand. The rise in popularity of ridesharing created a substantial gap in auto insurance coverage, leaving drivers vulnerable to a variety of negative consequences. The most popular rideshare … Read more

Do Landlords Need Insurance If Renters Have It Too?

Person calculating home or property expenses with a calculator and house model on desk.

Owning property requires a lot of risk management, and one of the most common misconceptions among new landlords concerns insurance requirements. Many rental property owners assume that if their tenants maintain renters insurance policies, their own insurance needs diminish or become redundant.. Renters’ insurance protects tenants’ personal property and liability exposure. Landlord insurance covers entirely … Read more

Does Home Security Decrease Home Insurance Rates?

Young woman entering security pin on home alarm keypad.

When homeowners consider installing home security systems, the first benefit that usually comes to mind is safety and security. A home well-equipped with alarms, cameras, motion sensors, and smart locks provides peace of mind against theft or intrusion. However, beyond that, do home security systems have any other benefits? Those considering getting insurance services may … Read more

What Factors Influence Auto Insurance Rates? 

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In today’s economic climate, people are looking for places to cut expenses. Maybe you should consider looking into what factors influence auto insurance so you can save a few dollars for a rainy day. Insurance companies look at several factors other than just your car itself. They gather information from your driving history, where you … Read more

What Factors Influence Auto Insurance?

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Auto insurance rates derive from complex calculations involving multiple risk factors and personal characteristics. Insurance service providers analyze these elements to determine premium costs for each individual. Understanding these factors helps you make the right decisions about your coverage options and potentially reduce your insurance expenses. What Factors Influence Auto Insurance? Driving History Impact Previous … Read more

What Kind of Insurance Do Landlords Need?

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Owning a rental property can be a promising investment, but like any business or investment venture, it comes with its share of risks. From property damage and liability issues to rent loss and tenant disputes, landlords need a safety net to protect their financial investment. This is where landlord insurance services come in. But what … Read more

What Does Commercial Property Insurance Typically Cover?

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If you own or lease any space where you conduct business, chances are that you’ve asked the question: What does commercial property insurance typically cover? First, you need to know that property insurance for businesses isn’t just a safety net but rather a strategic safeguard designed to help keep your business running even when the … Read more

What we do?
Safecal Insurance Services is a fire & casualty insurance broker licensed in the state of California. Safecal Insurance Services was founded in beautiful Pasadena, California. We specialize in providing low cost coverage in all lines of personal and commercial insurance.
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