Happy Holidays!

TJM Insurance Services would like to wish everyone a very safe merry Christmas & happy New Year!

CDI Proposes Rules Implementing Bill Allowing Public to See if Employer Has Workers’ Comp

The CDI has proposed regulations to implement a bill that took effect Jan. 1 and requires a licensed workers’ compensation rating organization to create and maintain a website allowing members of the public to determine whether a business in the state has workers’ comp coverage. The insurance commissioner must adopt the regulations by Jan. 1, and the website must be operational within a year after the regulations take effect, according to the Association of California Insurance Companies.

The proposed rules must establish how a person may submit a question about an employer’s workers’ comp coverage as well as allow businesses to dispute information on a rating organization’s website by contacting the entity or the insurer that provided the coverage data.

Poizner Sues OAL for Determining Iran-Investment Rule Is ‘Underground Regulation’

Insurance Commissioner Steve Poizner is suing the state Office of Administrative Law over the agency’s determination last month that the commissioner’s attempt to prevent California-licensed insurers from investing in companies doing business in Iran amounted to an “underground regulation.” The OAL, acting on a petition by several insurer trade organizations, found Poizner violated the state’s Administrative Procedures Act by not holding a hearing on or soliciting industry input before implementing the regulation.

The commissioner’s lawsuit, filed in Los Angeles County Superior Court, “contests the OAL’s analysis of this procedural issue and seeks to clarify his authority to address the critical issue of insurer support of the Iranian terror regime and the solvency of insurer investment portfolios,” according to a statement issued by the California Department of Insurance. Attorney General and Gov.-elect Jerry Brown is representing Poizner in the litigation.

In a statement issued last week the carrier trade groups indicated they dispute how the regulation was adopted, not necessarily its intent. “Our associations do not support or defend any insurer that makes investments that violate state or federal law, which prohibit investments in Iran and other terrorist regimes,” according to the statement. Trade groups that sought the OAL’s ruling included the American Insurance Association, Association of California Insurance Companies and Personal Insurance Federation of California.

In implementing the regulation the CDI identified 50 foreign companies with ties to Iran’s defense, nuclear and energy sectors and then prohibited insurers in the state from including on their financial statements investments in these firms. Of the 1,300 carriers licensed in California, about 340 have aggregate holdings in the companies of approximately $6 billion, according to the department.



Investments in the companies by California-licensed insurers last year totaled nearly $1 billion. But in this year’s second quarter, the first quarter the regulation was in effect, new investments in the companies by insurers in the state amounted to only $32 million, the CDI reported.

Attention!!

F.Y.I. for all business owners in California. Check your current Commercial Package and Professional Commercial Insurance policies and make sure your required limits meet the State requirements. You can check this against the Department of Insurance for the State of California web page (DOI) http://insurance.ca.gov/

Should you have questions please contact TJM Insurance Services.

Daylight Saving Time Ends!!

Daylight Saving Time Ends this Sunday, November 7, 2010.
Don't forget to adjust your all your watches/clocks at Sunday 12:01 AM back to Saturday 11:01 PM

Agency Errors & Omissions

TJM Insurance Services can provide quotes for agency E&O from a number of high-quality, A-rated carriers. Protecting your agency with the appropriate coverage is essential for your agency's vitality.

Nothing can be more damaging than a claim against your agency or an employee that could ruin your business and dramatically change your future.

Why it's a Law in California to have Workers Compensation!

Commissioner Poizner Announces Modesto Motel Owner Arrested for Alleged Insurance Fraud.

Commissioner Poizner today announced that CDI detectives arrested a Modesto motel owner for allegedly committing workers' compensation insurance fraud. Muhammad Hassan Raza, 36, was arrested at his place of business, the Vagabond Inn in Modesto. He was booked into the Stanislaus County Jail. Bail has been set at $15,000. If convicted, Raza may be sentenced to two, three or five years in state prison and be fined up to $50,000, or double the amount of the fraud, whichever is greater.

"If you fail to maintain the appropriate workers' comp insurance for your business, you are not only breaking the law - you are putting your employees and yourself at financial risk," said Commissioner Poizner. "Do not ignore the law in an attempt to save a few bucks - you will only wind up in legal trouble with costly bills and fines."

Muhammad Raza is part owner of the Vagabond Inn in Modesto. On August 27, 2009, one of the Vagabond Inn employees was the victim of a sexual assault while working at the Vagabond Inn. Raza provided the name of the workers' compensation insurance carrier to the injured employee's family as First Comp. It was determined the Vagabond Inn was previously insured by First Comp but that policy had cancelled on December 10, 2008 due to non-payment of premium. The injured employee received treatments through her private health insurance plan and Raza paid for the ambulance bill and some of the other co-payments and bills.

On September 17, 2009, Raza applied for a workers' compensation insurance policy with State Farm Insurance. During the application process, Raza was asked if the Vagabond Inn had any workers' compensation injuries, whether insured or not, within the last three years. Raza answered that they did have an injury in 2008 but he did not disclose the injury on August 27, 2009. At the end of November 2009, the injured employee reported that Raza told her that he would give her money if she dropped her claim. The injured employee retained an attorney and ultimately filed a claim with the Department of Industrial Relations Uninsured Employers Fund.

Raza admitted to detectives that he knew he was supposed to have workers' compensation insurance and that he did not have insurance at the time of the injury because he did not pay the bill. He further said the reason why he provided First Comp as the insurance carrier to the injured worker's family was because he was negotiating with First Comp and believed he could get the policy reinstated. Raza admitted he paid the injured worker's bills and paid her salary while she was unable to work because he felt guilty but denied offering her money in exchange for her dropping her claim.

This case is being prosecuted by the Stanislaus County District Attorney's Office.

Keeping Your Insurance Current - A Friendly Reminder

Always keep you insurance current, from Commercial to Personal needs:

Many things can impact insurance rates and coverage needs for California residents.

Catastrophic events such as an earthquake, hurricane, fires or severe flooding can influence the rates your current insurance carrier offers. In addition, the California state government can pass laws that change the insurance requirements we have. Or, you might have some of your own life changes that can require a change in your insurance needs - like getting married or having kids.

Keeping up on all these ins and outs of insurance isn't exactly how we like to spend our time. In fact, most of us dread it! But it can save you money and time!

Contact TJM Insurance Services @ (323) 206-6006 to discuss your insurance needs today.

Welcome Conjunto Los Pochos to join us

TJM Insurance Services is Happy to annouce and share their first Musical Artist. Check their web page out and take a listen.

Conjunto Los Pochos - Official Band Website - Listen
http://www.lospochos.com

Contact TJM Insurance Services @ (323)206-6006 for your Musical/Equipment Coverage's, we can get you a 2% rate!

California Bureau May Ask for 30 Percent Workers' Comp Increase

California's Workers' Compensation Insurance Rating Bureau is considering requesting a 30 percent increase in pure premium rates for 2011 policies.

The news that California's Workers' Compensation Insurance Rating Bureau (WCIRB) might ask for the increase came out of a meeting of the bureau's actuarial committee. That committee makes a recommendation to the WCIRB's governing committee, and then the governing committee makes the request to the states Department of Insurance. The governing committee is scheduled to meet next week, and will be considering the recommendation then, said Jack Hannan, the WCIRB's communications director.

"They're still working out the exact figure, but it is going to be about 30 percent," he said.

The Department of Insurance has rejected the past two rate increases the WCIRB has requested, a 24 percent increase request last July and a 23 percent request this past January.

That is part of the reason for the current 30 percent request. Other reasons are that medical costs have been rising, 12 percent per year since 2007, and that there was a less than expected fall off in the number of claims made in 2009, given the fact that so many jobs have been lost in the present economic recession, Hannan said.

"The 30 percent - it could easily be 50 percent," said James Moore, the president of J & L Risk Management Consultants, Inc., who blogs about the California workers' compensation market. "The bills have been coming and nobody has been paying them. We think a 30 percent increase is extremely conservative."

Though some have speculated that the Department rejected the earlier requests because the state's insurance commissioner, Steve Poizner, was running for governor, Moore said he did not believe the governor campaign was a factor. The run for governor is now finished for Poizner. Rather, Moore noted that Poizner has previously vowed that he will not allow rates to increase until unnecessary costs in the system are addressed by insurers.

"I think he was just feeling the costs were too high," Moore said.

Read more:
http://www.insurancejournal.com/news/west/2010/08/06/112267.htm#ixzz0w8Lp94K

Event Insurance

Great news for all you entertainers/party planners out there:

TJM Insurance Services now has Markets for One Day Events:

• Concerts
• Weddings
• Horse back Riding
• Miniature Golf
• Birthday Parties
• Graduation Parties
• Anniversaries
• Grand Openings

Contact TJM Insurance Services at (323) 206-6006 for your next big event.

Big Saving!!

Happy to announce TJM Insurance Services just save a VIP client $7,440.00 on their Workers Compensation renewal. In time of hard econommics call TJM Insurance Services we fight for our clients. Happy weekend all.

Surety Bonds Markets

TJM Insurance Services also has markets for your Surety Bonds Requirements:

Surety Bonds we provide
Contract Bonds
Performance Bonds
Bid Bonds
Payment Bonds
Permit Bonds
Miscellaneous Bonds
Subdivision Bonds
License Bonds
Contract Bonds

Bid Bonds: A bid bond is provided to the Obligee/Owner from the contractor in order to give assurance that if the contractor is the successful bidder the contractor can provide a payment and/or performance bond.

Performance Bonds: A bond which promises that the terms of a contract, or some of them, will be performed by the Principal/Contractor.

Payment Bonds: A bond which promises to pay some or all of the persons who provide material, labor, or services for prosecution of a contract.

Subdivision Bonds: Subdivision bonds are different from the more common performance bonds used for construction projects. With subdivision bonds, the owner of the project provides bonds to the public agency to guarantee the installation of improvements that will ultimately be dedicated to the public but paid for by the owner/developer.

Miscellaneous Bonds:
License and permit bonds are those required by state law, municipal ordinance, or by regulation and in some instances by the federal government or its agencies.

WORKERS' COMPENSATION

WHAT IS WORKERS' COMPENSATION?
If an employee is injured on the job due to physical injury or stress, he or she typically fills out a form at work that starts a workers' compensation claim [at times I'll refer to it as "WC" .] The completed form is then sent to the employer's insurance company who then pays the injured employee's medical costs and also pays the employee money for time off from work. This money is in lieu of wages the employee would have earned on the job.

Although the workers' comp system is heavily regulated by the State of California, workers' compensation benefits are paid by an employer's workers' compensation insurance policy. Disputes between the employee and the insurance company are litigated in the State system, the Workers' Compensation Appeals Board [WCAB].

Think of WC insurance working the same way as your auto insurance policy. With your car, if you get in an accident that is your fault, your insurance carrier pays claims under the provisions of your insurance policy. It works the same way with an employer's workers' compensation insurance policy.

Call TJM Insurance Services at (323) 206-6006 for your Workers Compensation coverage today!
We have several markets to help you with your business needs.

California Statute of Limitations for Civil and Personal Injury Actions - An Overview

What Is A "Statute of Limitations"
A statute of limitations is a law which places a time limit on pursuing a legal remedy in relation to wrongful conduct. After the expiration of the statutory period, unless a legal exception applies, the injured person loses the right to file a lawsuit seeking money damages or other relief.

Proliferation of Statutes
Although people often speak of "the statute of limitations", in fact there are many statutes which apply limitations periods to civil actions.
Sometimes it can be difficult to keep track of the various statutes and their exceptions. Thus it is a very good idea for somebody who is concerned about losing their right to sue as a result of the expiration of the statutory limitations period to consult with a qualified lawyer, who can help determine which statute applies, and help preserve the right to recover damages.

Specific Civil Actions
The following periods represent a small sample of the statutory limitations periods in California. Please note that it may be possible to bring multiple causes of action from a single incident of wrongful conduct, and thus even if it appears that the relevant statute of limitations has run it may remain possible to bring a different claim. Also, there may be an exception to the standard limitations period that applies to any given situation. The following list is provided by way of example. If you wish to know how the statute of limitations applies to a specific situation, you should verify the statutory time period and its relevance to your situation with a qualified California lawyer.

Professional Malpractice: Legal malpractice, 1 year from date of discovery, to a maximum of four years from the date of the wrongful act. Medical malpractice, 3 years from the date of the injury, or one year from the date the plaintiff discovers or reasonably should have discovered the injury, whichever occurs first. If the medical malpractice action is based upon the presence of a foreign object found inside the plaintiff's body, the statute of limitations does not start to run until the plaintiff discovers, or should have discovered, the object. The periods of limitation for medical malpractice apply to minors six years of age and older.

Personal Injury: 2 years.
Fraud: 3 years.
Libel / Slander / Defamation: 1 year.
Injury to Personal Property: 3 years.
Product Liability: 2 years.
Contracts: Written, 4 years; Oral, 2 years.

Statute of Limitations or Statute of Repose
A statute of repose is different from a statute of limitations, in that after the statutory period has expired it is not possible to file a lawsuit even if an injury occurs after that time. For example, if there is a twenty year statute of repose on the manufacture of aircraft, a claim cannot be filed against the manufacturer more than twenty years after the date of manufacture, even if a design or manufacturing defect is responsible for a later accident.

Accrual of Claims
A statute of limitations is said to start running at the time a claim accrues. Ordinarily, that is the time at which an injury is suffered.

The Discovery Rule
Sometimes it is not reasonably possible for a person to discover the cause of an injury, or even to know that an injury has occurred, until considerably after the act which causes the injury. For example, an error in the drafting of a will might not be noticed until the will is being executed, decades after it was drafted, or a financial planner's embezzlement might not be noticed for years due to the issuance of false statements of account.

When it applies, the "discovery rule" permits a suit to be filed within a certain period of time after the injury is discovered, or reasonably should have been discovered. The discovery rule does not apply to all civil injuries, and sometimes the period of time for bringing a claim post-discovery can be short, so it is important to seek legal assistance quickly in the event of the late discovery of an injury.

Tolling of the Statute of Limitations
In addition to late discovery, it may be possible to avoid the harsh result of a statute of limitation by arguing that the statute has been "tolled". When it is said that a statute is "tolled", it means that something has stopped the statute from running for a period of time. Typical reasons for tolling a statute of limitations include minority (the victim of the injury was a minor at the time the injury occurred), mental incompetence (the victim of the injury was not mentally competent at the time the injury occurred), and the defendant's bankruptcy (the "automatic stay" in bankruptcy ordinarily tolls the statute of limitations until such time as
the bankruptcy is resolved or the stay is lifted).

Under California law, except in cases of medical malpractice, a minor has two years from the date of his or her 18th birthday to file a tort claim. For medical malpractice actions involving minors below the age of six, the action must be filed within three years of the date of the injury or before the minor's eighth birthday, whichever period is greater.

Contractual Limitations
It is often possible to shorten a statutory limitations period by contract. For example, an employment contract might require that any claim relating to the employment relationship, including wrongful termination, be filed within one year of the claimed wrongful conduct. Courts often uphold these clauses, particularly in the context of business transactions, even though they provide for a shorter limitations period than the statute of limitations would otherwise apply.

Premises Liability

Possession of Premises
Within the context of premises liability, a person "possesses" land or
premises when:

* The person is in occupation of the land with intent to control it;
* The person has been in occupation of land with intent to control it, if no other person has subsequently occupied it with intent to control it; or
* The person is entitled to immediate occupation of the land, if no other person is in possession as just defined.

The Status of the Plaintiff
Under the premises liability law of most jurisdictions it is necessary to determine if the plaintiff was an "invitee", a "licensee", or a "trespasser". The defendant's duty to the plaintiff can vary significantly depending upon how the plaintiff is classified. (Some jurisdictions have modified these definitions.) In the definitions below, "premises" should be read broadly to include land, premises, or places of business. The "possessor" is the person in possession of the premises.

Invitee
An invitee is person who is invited to enter or remain on the premises for a commercial benefit to the possessor of premises, or for a purpose directly or indirectly connected with business dealings with the possessor. An invitation may be either express or implied. (Example: A customer in a department store is an invitee, as the department store actively invites the public to come to the premises and to purchase merchandise while on the premises.) A premises owner owes the highest duty of care to an invitee.

Typically, a possessor has a duty to use ordinary care to warn or otherwise protect an invitee from risks of harm from a condition on the possessor's premises if:

1. the risk of harm is unreasonable, and
2. the possessor knows or in the exercise of ordinary care should know of the condition, and should realize that it involves an unreasonable risk of harm to an invitee.

The possessor may have a duty to periodically inspect the premises for the introduction of hazards to invitees. For example, a grocery store may be obligated to periodically check its floors for the presence of spilled or broken merchandise, and to make sure that its products are not likely to fall from its shelves.

Licensee
A licensee is a person who is invited to enter or remain on the premises for any purpose other than a business or commercial one with the express or implied permission of the owner or person in control of the premises. A social guest is considered to be a licensee, not an invitee.

Typically, a possessor of premises is liable for physical harm caused to a licensee by a condition on the premises if, but only if, the plaintiff establishes the following three elements:

1. The possessor knew or should have known of the condition, should have realized that it involved an unreasonable risk of harm to the licensee, and should have expected that the licensee would not discover or realize the danger;
2. The possessor failed to exercise reasonable care to make the condition safe, or to warn the licensee of the condition and the risk involved; and
3. The licensee did not know or have reason to know of the condition and the risk involved.

For example, if a homeowner knows that one of the steps leading into a basement is broken (but would not appear to be broken to a reasonably observant individual), the homeowner may be liable to a guest who, without notice of the broken step, is injured when the step gives way.

Trespasser
A trespasser is a person who goes upon the premises of another without an express or implied invitation, for his or her own purposes, and not in the performance of any duty to the owner. It is typically not necessary for a defendant to establish that the trespasser had unlawful intent in making such an entry.

Where premises owners are not aware of the presence of trespassers, they typically have no duty to warn a trespasser of any dangers or to make their premises safe for the benefit of a trespasser. If the premises owner is aware of the presence of trespassers, the premises owner may be obligated to exercise ordinary care in relation to the safety of a trespasser.

Public Roads and Sidewalks
Premises owners are typically charged with clearing public sidewalks in front of their premises, and to maintain their premises so as not to pose a danger to members of the public who are passing by on a public street or sidewalk.

Non-Delegability of Duties
The duties of a premises owner are typically nondelegable. If the defendant remains in possession, the defendant cannot escape responsibility merely because he contracted with a company to provide maintenance. For example, a business remains liable for the condition of its parking lot, even if it has hired a landscaping company to maintain the parking lot and to remove snow and ice. A landlord remains liable for the condition of the housing it owns, even if it has contracted with a management company to provide all service and maintenance in relation to the housing.

Contact TJM Insurance Services with questions on Premises Liability Coverage.

MEDIA LIABILITY COVERAGE

It's better to evaluate your coverage in the boardroom than in the courtroom. Consider the following protection features.

Comprehensive coverage. By not limiting coverage to "named perils," as traditional Media Liability policies do, our policy provides comprehensive coverage for risks arising out of the core functions of news organizations: gathering and communicating information to the public.

* Subpoena protection. Coverage for the legal costs of challenging third-party subpoenas is included. According to the Reporters Committee for Freedom of the Press, as many as 3,500 subpoenas a year are served on media organizations, resulting in a significant burden and expense.
* No Fraud or Dishonesty Exclusion. We recognize that some purely legitimate news-gathering activities can involve an element of deception -- for example, the "consumer protection" reporter who poses as a customer to investigate possible fraud by a merchant.
* Multimedia coverage for media conglomerates that applies regardless of the form or medium of communications giving rise to a claim.
* No Settlement "Hammer" Clause gives the insured absolute discretion, with no limitation on available coverage, to reject a settlement offer in cases where the insured believes the principle at stake is too important to compromise.
* No exclusion for "internal" copyright disputes, protecting the insured in cases where, for example, an employee or freelance writer prepares material for the insured but claims he or she only granted the publisher the right to publish his or her work in print, not to republish it electronically.
* Protection for confidential sources and other information. This policy expressly preserves the insured's right to maintain the confidentiality of unpublished news gathering information, regardless of the resulting effect on litigation.
* Choice between Indemnity and Duty to Defend. The insured has the option -- on a claim-by-claim basis -- to select counsel and retain control of the defense of a claim (or response to a subpoena) or to assign the duty to defend to the insurer.
* Punitive damages are covered, where insurable by law and where conduct
giving rise to damages is not otherwise excluded (such as fraudulent conduct).
* Worldwide coverage. Reflecting the global nature of communications, this policy covers acts occurring or claims asserted anywhere in the world.
* Occurrence Form. Executive Risk's News Media Liability Policy is written on an occurrence form, covering all media activities occurring during the policy period, regardless of when the claim is first made.

EPLI

Consider the Following Facts:

From October 1, 1993 through September 30, 1994, the Equal Employment
Opportunity Commission and related state and local agencies received 156
discrimination complaints. As of May 1, 2003, the Equal Employment
Opportunity Commission had a backlog of over 100,000 complaints and the
average complaint took more than a year to handle.

In 2002 over 13,000 complaints of sexual harassment were filed with the
EEOC. Settlements for cases in 2003 exceeded 50 million. Defense costs were
several times this number.

A recent telephone poll found that almost 31% of all female workers claimed
to have been the object of sexual harassment at work. Seven percent of all
male workers also claimed to have been sexually harassed.

Through legislation like the Americans With Disabilities Act and the Family
Medical Leave Act, Congress has created new grounds for employers to be
sued.

E & O Coverage

E & O coverage offers you or your company and your employees' additional
protection against claims or lawsuits for mistakes or omissions which may
have caused financial losses for your client. The insurance can be written
to protect you from attorney fees as well as the amount of a settlement if
you are found at fault. Consider the following information about the
insurance coverage as it relates to your business:

* Errors & Omissions Insurance can cover W2 employees and 1099
subcontractors, worldwide.
* Many VC's and other investors require this coverage, including state
and federal requirements for licensing and potential jobs.
* This type of coverage is generally excluded by your Commercial General
Liability policy, and if there is additional coverage for this exposure it
may have limitations that you may not be aware of.

The cost of each home inspector errors and omissions insurance contract
varies with its specifics. Each contract should be written specifically for
you, and should contain the following information:

* Dollar amount for each liability
* Deductible amount for each liability
* Deductible amount for defense costs
* A section explaining what the policy is for: "This policy applies to
errors, omissions or negligent acts in the course of providing or failing to
provide professional services."
* A section listing the services you provide in as much detail as
possible
* The retroactive date for claims ( unless written by an occurrence
form)

Every company can and will make a mistake at some point. Be prepared.
Purchase Errors and Omissions coverage to insure your mistakes, your
employees' mistakes, and even mistakes made by the contractors you hire.

Earthquake

Are you prepared and properly insured for your Personal and Commercial interest for the next Earthquake? With the 7.2 which hit @ 3:40 PM (Pacific Coast Time) on 4/4/10 just think what it would have done in Los Angeles, CA.

Please contact TJM Insurance Services for your Insurance needs, we have several markets for Earthquake Coverage.

Listed below is the History and activity on the Laguna Salada Fault:
Geology

The quake probably occurred on the Laguna Salada Fault, which is about 60 kilometers (37 mi) to 80 km (50 mi) long and straddles the California–Baja California border.
The active Laguna Salada Fault ruptured in February 1892 with an estimated Mw7.2 earthquake (Hough & Elliott, Bulletin of the Seismological Society of America, August 2004, volume 94). Geological field work as of April 5, 2010, by Dr. Thomas Rockwell, professor of geology at San Diego State University, indicates about one meter of right-lateral surface faulting and 0.3 to 0.5 meters of vertical road offset on a fault that is located east of Laguna Salada Fault. Whether or not this is the Cerro Prieto Fault is unclear as of April 5. This is a developing field
situation, as geologists are working to locate and measure the lateral extent of the surface faulting. The best reference on the Laguna Salada Fault is: Muller, Karl J., and Rockwell, Thomas K., 1995, Late Quaternary Faulting on the Laguna Salada Fault, northern Baja California: Geological Society of America Bulletin, vol. 107, no. 1, p. 8-18. Precursors and foreshocks

Mexicali and Tijuana, situated in a very active seismic zone, are surrounded by important faults. An earthquake of such magnitude had been expected around the fault situated in the southeast of Mexicali.

Before the Mw 7.2 earthquake occurred, the surrounding area had been seismically active in 2009. Several foreshocks began from April 1, 2010,with magnitudes of 3 and 4. April 4 quake

The earthquake measured 7.2 on the moment magnitude scale that started 25 kilometers (16 mi) south of Guadalupe Victoria, Baja California, at a depth of 10 km (6.2 mi). It occurred at 22:40 UTC (1540 local time) on Easter Sunday, April 4, 2010, and it is said to have lasted about a minute. The strongest shaking was felt in Alberto Oviedo Mota, an ejido 50 km southeast of Mexicali, at Mercalli intensity scale VIII (Severe). In Mexicali, Calexico, and Guadalupe Victoria it rated VII (Very Strong), while in San Luis Río Colorado it measured VI (Strong).

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To ALL Business Owners:

Turn your Premiums into PROFITS!

In today’s Economics,
Are you paying TOO MUCH for your insurance premiums?

TJM Insurance Services
We have saved our clients $500 to $1,000 on new and renewal premiums, while increasing their coverage with no additional cost to the clients.

Here are a few areas we cover:

Commercial Liability
Commercial Property
Commercial Packages
Excess/Umbrella
BOP-Business Owner Package
E&O-Errors & Omissions
D&O-Directors & Officers
Employment Practice Liability
Media Liability
Workers Compensation

Let TJM Insurance Services help reducing your insurance premiums
and put the savings back to your pockets.


Call our agency today at (323) 206-6006 or
eMail us at tjminsservices@gmail.com
and start recovering your lost premiums.

TJM Insurance Services is built on the foundation of ethics and morals.

Our staff of experts excel at their profession.

With over 26 years of experience in the industry, we have taken calculated steps in structuring of our agency with the client's interest first.

We are dedicated to the profession we have chosen and are committed to your clients.

We are loyalist and are here to serve your needs.

We would be pleased to hear from you if you are not familiar with our company and your first contact with us is online. Please let us know what your needs and questions are, we will be more than happy to help.

At TJM Insurance Services:

* Our clients' needs come first! Premiums come second.
* We pride ourselves in professional services for our clients' needs.
* We treat our clients' like family

Call us today at (323) 206-6006 and be a part of a legacy

TJM Insurance Services provides the following coverage for you and/or your business:

COMMERCIAL

* Commercial Liability
* Commercial Package
* Business Owner Package
* Excess Liability
* Errors & Omission
* Directors & Officers
* Employment Practices Liability
* Media Liability
* Workers Compensation
* Commercial Umbrella

PPERSONAL

* Homeowners (HO3)
* Condo (HO6)
* Renters (HO4)
* Second Homes (Vacation Homes)
* Auto
* Personal Umbrella

Here's how to get in touch with us:

By Phone: 1-323-206-6006
By eMail: tjminsservices@gmail.com

Please check out our website at:
http://www.tjminsurance.com

TJM Insurance Services
CA License# 0C50918