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Ready?  Here are the top four which make up 37% of the total workers’ compensation market in California.

State Compensation Fund
American Home Assurance – AIG
Zurich
Zenith

YOU BETTER KEEP READING -
Are you insured with any of these carriers?  Chances are at least some of you reading this are insured with these carriers.  They are all large, somewhat reputable, carriers but did you know NONE of these are usually the most competitive?  At least one of them has superior service.  Do you know which one that is?  These are the carriers that have the most market share.  That means 37% of businesses in California are insured with these carriers, over a third of California businesses.

The top three most competitive carriers only insure a total of 3.7% of the market.  Do you think you are insured with one of those?  Chances are that you are not.  Do you know who they are?

Statistics are great because they support what we tell our clients all the time – we can save you money 98% of the time.  We get prospective clients all the time asking us how we know we can save them money without knowing much about their business.  It is because we have been in business for twelve years and we just simply do. We could not offer our service with a zero cost factor if we could not perform.  The other reason and probably more important is that we save companies money because of statistics such as these, finding the 3.7% that have found the hot market is hard and rare, even if we do – there is still money on the table – we just can’t save them 50% but perhaps it is just 10%.  The rest of the businesses that are not aware of the availability of savings are jeopardizing their companies’ assets by over spending.  You do not have to spend more to get more.  You do not usually even have to change agents or carriers.  But, you do have to be open to the possibility that there is something better out there.

Here is another kicker for you.  This is just workers’ compensation.  Which is usually a heated discussion for most business owners, most pay more attention to this line of insurance – the property and liability insurance is a whole other issue where most businesses are over paying by even more.   You just don’t know it.  It pays to be knowledgeable.

Workers’ compensation rates are expected to go up in July, do you know where the hot markets will be then.

Now, let’s have some fun – take the poll below – is everyone reading this in the 3.7% somewhere in between or in the 37% group?  If you email me directly I will tell you if you are with the top 4 most competitive carriers.  

2007 statistics from the CDOI

Do you think you have found the most competitive workers comp carrier?(online surveys)

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Legal services are often deemed unnecessary and are often seen as mere additional expense. But you may be overseeing the fact that California business law attorneys can help a great deal in corporate dealings and operations.

They are not only good in issues of litigation such as when you are being investigated for securities fraud by the Security and Exchange Commission or when a customer charges against you for product liability. Business attorneys can also prevent various legal issues that can come out of forming a business, whether a small start-up or a large corporation.

Engaging in the world of business can involve tremendous tasks, from hiring employees to tax issues, from registering and licensing to negotiating business transactions, so on and so forth. It entails so many concerns that it will just be impossible to get your hands on all these alone. You may ask, what makes it so important to seek help from a lawyer?

• A business attorney can make sure your company is in observance with corporate official procedures. A business attorney can draft resolutions, contracts, minutes, etc.

• A business attorney can present direct access to legal guidance with familiarity of your business in times of setbacks to assess circumstances when they happen and give you timely proposals and assistance.

• A business attorney can modify or re-establish crucial agreements like shareholder, operating or purchase agreements.

• A business attorney can advice you with your legal options and ways to resolve disputes

• A business attorney can give a classified sounding board to aid, evaluate, and develop company issues, strategies and plans.

• A business attorney can organize employee policies/handbooks and employment agreements defending you from unlawful termination and discrimination charges.

• A business attorney can identify probable problems that you may not expect with your company, its operations, its employees, policies and procedures.

• A business attorney can arrange and examine business documents and contracts. Even though there are a number of pre-printed forms and self-help legal guides, you must not depend on these resources completely. Business law can be complex, and errors could be costly.

• A business attorney can negotiate on your behalf for the sale of your company or the possession of another company or its assets.

• A business attorney can negotiate financial arrangements.

• A business attorney can help you in getting State and Federal licenses your business may call for.

• A business attorney can help you protect your company’s creative works and intellectual property.

How do you choose the right business law attorney in California? Hiring a corporate legal counsel you can trust and rely on is of utmost importance. You need to be at ease enough with your lawyer to discuss confidential matters with him or her. You also need a counsel whom you can have confidence with.

In addition, find an attorney who you can communicate with easily, one who can keep in touch with you regularly, and a person who finds time to meet or talk with you personally to discuss your concerns.

It is highly advisable that you get a business attorney who has the necessary background experience that will meet your legal needs. Seek one who has expertise with business laws, and who is well versed, knowledgeable and skilled with business legal matters.

Though hiring a business attorney does entail financial expense, the little amount you would be spending will not compare to the thousands of dollars your company would be paying in case you are faced with contractual or employment disputes. Having appropriately arranged contracts at the onset may avert the matter from ever proceeding to a lawsuit.

Our California attorneys have solid background in handling various cases involving the Business Law. For free evaluation of your case, log on to our website and fill out our form.

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Many times, clients want to know how to answer deposition questions.  First of all, I tell my clients to answer truthfully.  Then I advise clients not to watch how politicians answer questions.  This is what can happen if a client ignores that advice.

“You said to the policeman investigating the scene of the accident that you weren’t wearing a seat belt yet today you state that you were wearing one,” the defense attorney stated to my client.

My client smiled sweetly at the news commentator, just like Sarah Palin did to Charles Gibson in her first television interview.

“Would you care to explain this discrepancy?” the attorney asked. The attorney had introduced himself as Charles Johnson.

“Well, Charlie, I believe everyone should wear seat belts when they are in a car.

“Okay, but can you explain why you told the police officer at the scene that you weren’t wearing a seat belt?”

My client smiled sweetly again, giving the attorney her best impression of a political candidate.

“Charles, I believe in a woman’s choice, however I feel even more strongly about the sanctity of life.”

“You’re not going to answer the question, is that what you’re saying?” the attorney asked, looking over his own eyeglasses.

“Well, I really think that there are much bigger issues to discuss,” the client answered, putting the attorney on the defensive.

“Don’t you think it’s important for us to know if what you say now is different from what you said earlier?”

My client looked directly at the attorney. “Charlie, I believe what is important here is that your client ran a red light.”

“Lets move on to the fact that you claim you never had a back injury before this accident.. How do you reconcile that with your treatment for back pain prior to this accident?”

“Charlie, as you know, you can have a visit to a doctor without it being for an injury. I have to say this type of questioning borders on being sexist.”

“Did you or didn’t you have treatment for a back condition prior to this accident?” the attorney said, raising his voice.

“It’s not what you go to for a doctor, it’s what the doctor does for you, Charles, and when you realize that women are different from men, you’ll learn that women doctors do things differently than male doctors.”

“You’re refusing to answer my questions.”

“I’ve answered all of your questions,” my client said.

“No,” the attorney said. “All you’ve done is give me stock answers to the questions you want me to give and not answer the questions I’m asking.” The opposing attorney turned to me and realized I hadn’t made a single objection.

“Please, ask me your question, and I’ll be as honest as I can.”

“Is it true that this has been your third accident this year and that each time you’ve been rear ended.”

My client smiled and the attorney asking the questions knew he would not be getting an answer to this one that he could use.

“I believe that God has a plan for each of us and sometimes he tests our resolve.”

“That’s your answer?” the attorney asked. “You might as well be speaking in tongues right now.”

“God has a plan for all of us, Charles, even for you,” my client said.

“If it’s to drive us nuts, it’s working,” the attorney said. “I’ll give you one last chance to answer a question. Did you cause this accident?”

“Charles, what may be interpreted as a cause could sometimes be otherwise viewed as simply trying to avoid the, you know, impossibly difficult or, trying to prevent that kind of thing, then again, even when you are driving carefully, these accidents…and this could be viewed as one of those situations. Does that answer your question?”

Two hours later when the deposition had ended, the attorney was looking frazzled.

“How did I do?” my client asked me after the deposition was over.

I smiled sweetly like any good politician. “It’s not how well you did,” I said. “It’s how many psychiatric treatments that attorney is going to need before he is able to attempt another deposition.”

Note – Refusing to answer questions can lead to having a motion filed against the party who refuses to answer deposition questions, and an imposition of a fine against the deponent who abuses the discovery process in this way. Sadly, many deponents and attorneys abuse the deposition process when they think the other party’s attorney won’t take the time to file a motion to compel. An attempt to evade questions as a politician often does, or answering with stock answers instead of providing answers responsive to the questions is clearly improper. And politicians who answer questions in this manner are not setting a good example. On the other hand, some of Sarah Palin’s answers to questions put to her by Katie Couric, similar to this deponent’s last answer, were so incomprehensible it is hard to know how a judge might view answers such as hers if the attorney fails to follow up with additional questions.

Visit our website at http://www.sebastiangibsonlaw.com if you are involved in litigation in Palm Springs, Palm Desert, Indio, Riverside, San Diego, Orange County or anywhere in Southern California. We have the knowledge and resources to represent you as your California Litigation Lawyer and Palm Springs Litigation Attorney, or your civil litigation attorney or civil litigation defense lawyer in Cathedral City, Desert Hot Springs, Indio, Coachella, Yucca Valley, Joshua Tree, Twentynine Palms, Indian Wells, Rancho Mirage, and throughout Southern California.