It is better to fail in originality Than to succeed in imitation. Herman Melville Delivery drivers include Amazon, Uber Eats, DoorDash, Instacart, and similar companies. What if a delivery driver…
Action may not always bring happiness, But there is no happiness without action.-Benjamin Disraeli In almost all cases, the City of San Diego will be responsible for a water main…
The two most powerful warriors arePatience and Time.Tolstoy Here's a summary of how to calendar dates for use in California courts. Know that "days" mean calendar days, and that "court…
Let the punishment be equal with the offense. -Cicero Lots of discovery responses are garbage. What to do? Consider discovery sanctions. Here's a brief primer. First, you need to determine…
Any fool can know. The point is to understand.-Albert Einstein Here are general steps you should take to file a business interruption claim in California, along with some helpful information.…
Judge a man by his questions Rather than by his answers. -Voltaire A fundamental coverage question is whether covid-19 can be considered a "physical loss or damage" to insured property.…
Amend your ways and your deeds -Jeremiah Most insurance companies will deny business interruption (BI) claims for covid-19 losses by saying there was no "direct physical loss" to insured property.…
Truth is confirmed by inspection and delay; Falsehood by haste and uncertainty. -Tacitus Business Interruption (BI) insurance protects a business from economic losses when a business cannot continue its normal…
Do not overwork to be rich; Because of your own understanding, cease! Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly…
It is the nature of all greatness Not to be exact. -Edmund Burke Twenty-two years have passed since the California Supreme Court has weighed in on the nebulous concept of…
What I possess I would gladly retain. -Goethe Replacement cost coverage is an endorsement (a change) to your homeowners policy. It allows you to obtain replacement cost coverage (RCC) instead…
Home is where the heart is -Proverb Homeowners policies may require "appraisal." Here's what it is and what it means. An appraisal is an informal hearing and is an example…