For many business owners, insurance feels like a necessary but impersonal transaction. You pay a premium, receive a policy document filled with complex language, and file it away, hoping you never have to look at it again. It’s an expense you budget for, not a relationship you build. But what if that approach is leaving your business exposed? When a crisis strikes—a fire, a lawsuit, a key employee’s injury—the piece of paper you filed away is just the beginning. The real test

Imagine your business is running smoothly on a Tuesday morning. Your team is productive, orders are going out, and customers are happy. Then, the unexpected happens. A nearby wildfire forces evacuations and fills the air with smoke for days. A construction crew accidentally cuts a major fiber optic cable, taking your internet and phone systems offline. A critical piece of machinery breaks down, halting your entire production line. What happens next? For some businesses, the a

The scenes have become all too familiar: smoky skies, orange horizons, and news reports of communities forced to flee. For years, California has battled historic wildfires, and while we often associate the greatest danger with forested mountains or coastal canyons, the ripple effects are felt everywhere—including right here in the Central Valley. For a Modesto business owner, a wildfire burning miles away can seem like a distant problem. But as we've learned, the impacts are