Voluntary Benefits: What They Are and How to Build the Right Package

Employee benefits have always played a critical role in attracting, retaining, and supporting a workforce. But as employee expectations evolve, so too must the...

Juan Cruz

12 September 2025 • 4 min read

Rising Homeowners Insurance Costs: Why Premiums Are Reaching Record Highs

Table of Contents Quick Definition What Is Driving Homeowners Insurance Costs Higher? What Do Current Averages Look Like? Where Are Insurance Premiums the Highest...

Juan Cruz

12 September 2025 • 3 min read

Tempe Restaurant Owners: How Can You Beat 2025’s Triple-Whammy of Rising Liability Premiums, Food Inflation, and Wage Claims?

Tempe’s restaurant scene is still vibrant, but 2025 is testing margins. Insurance markets are tighter for hospitality, food costs aren’t easing much, and labor...

Melinda Bonahoom

11 September 2025 • 6 min read

Do I Need Umbrella Insurance? Risks, Costs & Benefits

Understanding specific insurance policies can be a challenge on its own. Read our article today to learn more about personal umbrella insurance.

Leo Simental, CAIP

11 September 2025 • 13 min read

California Motorcycle Insurance: Costs, Coverage & State Requirements Explained

In California, the requirements for owning and operating a motorcycle are: A valid driver's license with a motorcycle endorsement (M1) or a separate motorcycle-only license (M2). A registered and insured motorcycle. A helmet that meets California Department of Transportation (DOT) standards. A functioning muffler to reduce noise pollution. Properly working lights for night riding.

Jason Ocampo

10 September 2025 • 8 min read

Common Restaurant Insurance Claims in 2025.

There are risks that are inherent in any restaurant business. Here are some of the common types of insurance claims that restaurants face.

Jared Strong

10 September 2025 • 6 min read

Business Insurance Guide: What Every Business Needs to Know

Every business has a custom insurance program because every business has different needs. Business insurance can seem like another language, but there are a few questions you should ask yourself to help determine what would best protect you and your business against your unique risks.

Matt List - Inszone Insurance Senior Commercial Insurance Specialist

Matthew List

10 September 2025 • 8 min read

Community Spotlight: Inszone Team Supports Santa Monica Mountains Fund through “Free Plant Fridays”

At Inszone Insurance Services, we proudly recognize team members who demonstrate outstanding dedication to supporting their communities through our Charitable Time Off (CTO) program....

Juan Cruz

9 September 2025 • 1 min read

Pool Leaks & Homeowners Insurance in California

Pool leaks can be sneaky, expensive, and—depending on the cause—sometimes not covered by insurance. This guide explains when California homeowners insurance helps, how deductibles...

Juan Cruz

9 September 2025 • 4 min read

Garage Liability & EV Charging: Are Customer Cars Covered While Charging?

What does “garage liability” cover when EVs are charging? Garage liability generally covers your auto business for bodily injury and property damage arising from...

Juan Cruz

9 September 2025 • 5 min read

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