Publications

Life Insurance 101
Answers to basic questions about America’s most underused risk management tool.

Evaluate Your Family’s Life Insurance Needs
Easy to use Questionnaire, sample Life Analysis Worksheet, and additional facts about permanent life insurance.

2010 Risk Management Seminar Series
A list of our upcoming Risk Management and Loss Control seminars through October 2010.

Live Well, Work Well
Health topics courtesy of Cavignac & Associates Employee Benefits Department.

Community Bulletin Board
Neighbors helping neighbors in San Diego.

Workers Compensation Injuries: Employers' Best Practices
Action steps to substantially improve your company’s risk profile – and drive dollars to your bottom line.

2010 Risk Management Seminars
A list of our upcoming Risk Management and Loss Control Seminars through September 2010

Live Well, Work Well
Health topics courtesy of Cavignac & Associates Employee Benefits Department

Community Bulletin Board
Neighbors helping neighbors in San Diego

Social Media and Its Risk Implications
Social media (FaceBook, MySpace, YouTube, Yelp, Twitter, etc.) has tens of millions of users – including employees that may work for you. This article addresses the problems and concerns that employers face, and offers action steps to minimize your risks.

2010 Risk Management Seminar Series
A list of our upcoming Risk Management and Loss Control Seminars through August, 2010

Live Well, Work Well
Health topics courtesy of Cavignac & Associates Employee Benefits Department

Community Bulletin Board
Neighbors helping neighbors in San Diego

Workplace Investigations
Sooner or later, your company will face the need to investigate an employee. Find out how to conduct such an investigation quickly, thoroughly, and objectively

2010 Risk Management Seminar Series
A list of our upcoming Risk Management and Loss Control seminars through April 2010

Live Well, Work Well
Health topics courtesy of Cavignac & Associates Employee Benefits Department

Community Bulletin Board
Neighbors helping neighbors in San Diego

Management Liability aka "Executive Risk"
Running a business involves its share of risk.  See what protection is available and make a conscious decision regarding coverage – don’t be caught unaware in the event of a loss.

2010 Risk Management Seminar Series
Cavignac announces its new seminar series for 2010.

Cal OSHA Report
See the Top 10 most frequent safety violations for 2009.

2010 Cost of Living Adjustments (COLA)
2010 COLAs for Qualified Plan Limitations, Social Security and SSI.

Community Bulletin Board
Neighbors helping neighbors in San Diego.

State of the 2010 Insurance Market
Based on past history and current critical indicators, we can help you budget insurance costs for 2010.

What You Can Do about 2009 H1N1 (Swine) Flu
Read what you can do to inhibit the spread of this new flu strain.

Risk Management Seminars – 2009 Series
Upcoming seminar from our Human Resources Department.

Live Well, Work Well
Helpful health and Employee Benefits articles.

Community Bulletin Board
News and upcoming events from local community service organizations.

Managing Your Corporate Auto Exposure
Whether your company owns 100 vehicles or none at all, you have a major exposure to loss arising out of autos used in your business. Effectively managing your automobile exposure can lower your company’s Total Cost of Risk and drive dollars to your bottom line.

Getting Paid – How to Make Collections Part of Daily Life
Sales without collections are worthless. Read surefire ways to get paid for what you’ve done.

The Office – A Dangerous Work Environment
Few people recognize the potential risks found in everyday office environments.

Risk Management Seminars – 2009 Series
Upcoming seminars from Human Resources, Risk Control, and Risk Management experts.

Live Well, Work Well
Helpful health and Employee Benefits articles.

Community Bulletin Board
Neighbors helping neighbors in San Diego.

Communication or Lack Thereof
Bad contracts and misunderstandings cause confusion, and confusion costs companies money. Read how an effective Communications Protocol can help reduce your company’s cost of risk and drive dollars to your bottom line.

Risk Management Seminars – 2009 Series
Upcoming seminars from Human Resource, Risk Control, and Risk Management experts.

Live Well, Work Well
Helpful health and Employee Benefits articles.

Community Bulletin Board
News and upcoming events from local community service organizations.

Getting Paid… in a Slow Economy
Careful client selection is a cornerstone of risk management. Find out how to increase your chances of getting paid in bad economic times.

Risk Management Seminars – 2009 Series
Upcoming seminars from Risk Management, Risk Control, and Human Resources experts.

Avoid Work Station Problems
Tips to stay healthy and comfortable at your computer.

Live Well, Work Well
Helpful Health and Employee Benefits tips and articles.

HR Tidbits
Handy I-9 information links as well as COBRA and the American Recovery and Reinvestment Act of 2009 (ARRA)

Community Bulletin Board
Neighbors helping neighbors in San Diego.

The ‘Obligation to Defend’ Your Client – and Why You Should Avoid It at All Costs! (pgs 1-3)
Insurance companies never intend to provide coverage when their insureds do nothing wrong. A recently decided California Supreme Court case demonstrates the dangers of a poorly worded indemnity agreement. Don't be caught uninsured!

COBRA Alert! (pg 5)
The American Recovery and Reinvestment Act of 2009 (ARRA), effectively "restarted" the clock for former employees and their dependents who became COBRA eligible but did not elect coverage when it was made available to them. Find out more from our HRthatWorks Webinar on Friday, March 6, 2009.

2009 Risk Management Seminar Series (pg 2)

Live Well, Work Well (pgs 4-5)
“Ignorance is Toxic,” “Energy Drinks: Help or Harm?” and “Need Chocolate?” provided by our Employee Benefits Department.

Community Bulletin Board (pg 6)
Neighbors helping neighbors in San Diego

Protecting Against Environmental Liability
Potential environmental liability concerns can be 'deal breakers' for business and property owners.

Risk Management Seminars - 2009 Series

HR Tidbits - the I-9 Form
Make sure you use the most current edition of this form!

Beating 'Blackberry Thumb' or Texting Trauma
Stretching can help relieve discomfort and fatigue when using a Personal Digital Assistant (PDA) device.

IRS Indexed Limits for 2009
What you should know!

Community Bulletin Board
News from the Downtown YMCA and Senior Community Centers

State of the Commercial Insurance Market - Report for 2009 Employee Benefits Market for 2009
Insurance is often a major budget item - plan your 2009 budget now.

IRS Indexed Limits for 2009
Information you should know about 2009 indexed dollar limits applicable to qualified retirement plans.

HR Tidbits... I-9 Forms
You should be using the most current edition - see guidelines for usage.

The AIG Report
Information about the state of AIG's insurance operations.

2008 Risk Management Seminars
Updated list of seminars for 2008.

Orchids & Onions
Coming November 13th!

Community Bulletin Board
Don't miss out! Upcoming events and opportunities to help the Downtown YMCA and Senior Community Centers.

Fiduciary Liability - Do You Need It?
See why fiduciary liability is an exposure you need to evaluate.

2008 FOCUS Seminars
Updated list of training seminars as of August 2008

Live Well, Work Well
Backyard safety, saving for medical expenses in retirement, and more.

Community Bulletin Board
Monarch School, Senior Centers of San Diego, San Diego Humane Society, Girls & Boys Clubs of Carlsbad, and San Diego Master Chorale events.

Personal Insurance - Is Yours Adequate?
Over half the homes in our country are underinsured by 20% or more, and many people also carry inadequate personal liability limits. When was the last time you reviewed your personal insurance program?

Personal Insurance Checklist
If you do nothing else, use the checklist on page 4 to review your coverages.

2008 FOCUS Seminars
Updated list of training seminars as of June 2008

Hands-Free Cell Phone Law Takes Effect July 1st!
Don't Forget! See our the link to the California Cell Phone Law DMV FAQs page

Community Bulletin Board
Monarch Schools Student Story; Senior Community Centers, and San Diego Humane Society's Summer Events

Business Continuation Planning
Have you taken the necessary steps to make sure your business can survive the loss of an owner or key employee?

2008 FOCUS Seminars
Updated list of training seminars as of April 2008

Community Bulletin Board
San Diego Humane Society Walk for Animals, Senior Community Centers Heroes Luncheon, and Monarch Class of 2008 Commencement Ceremony

Crisis Management - Is Your Firm Prepared?
Your company's chances of managing a crisis increase significantly with the amount of preparation, planning and training done before a crisis strikes. Find out how!

2008 FOCUS Seminars
Update list of training seminars through March 2008.

Heart Disease
Heart disease is the leading cause of death in the United States. Take our Heart Disease Risk Quiz to see where you stand.

Community Bulletin Board
Upcoming events from the Senior Centers of San Diego, Monarch School, 2008 LAF-Off, Canstruction San Diego 2008, and more!

Waivers of Subrogation
Learn what they are, how they work, and what you need to know about them.

2008 FOCUS Seminars
Updated list of training seminars through January 2008.

HR - Mandatory Earned Income Tax Credit (EITC) Notice to Employees
In 2008 all employers are required to notify their employees of the EITC with, or within one week before or after, Form W-2 or Form 1099 are provided.

Five 2008 New Year Resolutions for Human Resource Managers
Get your new year off to a great start with links to documents and classes you'll need in 2008.

Healthy Portion Sizes
Learn how to adjust portion sizes to avoid overeating.

Community Bulletin Board
See what's happening at Monarch School, the San Diego Humane Society, and the San Diego Senior Centers.

Commercial Insurance Marketplace - What to Expect in 2008
Whether the market is hard or soft, firms with favorable loss experience can expect the most competitive rates and best coverage terms.

Workers Compensation Market Report - Outlook for 2008
Even though rates have dropped dramatically, now is the time to beef up your risk control efforts.

Employee Benefits - Outlook for 2008
It is certain that rates will rise. The question is: How much?

2007 FOCUS Seminars
Updated list of training seminars through December 2007.

San Diego Master Chorale
Cavignac's Sue Marberry joins the "Voice of San Diego."

Senior Community Centers
Transitional Housing Program provides a helping hand for seniors.

Orchids & Onions
Coming in November 2007 from the San Diego Architectural Foundation!

2008 "Diamond in the Rough" Gala
Monarch School's 2008 benefit concert features singer Natalie Cole!

San Diego Humane Society
A wide variety of classes benefits owners and their pets.

Managing Real Property Exposures
Background and overview of the risk management issues involved in the real estate lease exposure.

2007 FOCUS Seminars
Updated list of training seminars through September, 2007.

Retirement - Will You Be Prepared?
An average American spends 18 years in retirement - will you be ready?

Workers Compensation Bulletin: Why Is My Experience Modification Factor Going Up?
Although experience modification factors are rising, major workers compensation reforms have actually decreased net rates.

Community Bulletin Board
Provides information about Senior Community Centers and Monarch School, as well as upcoming events.

You're at the Rental Car Counter - What Coverage Do You Need?
Understanding how your personal or business insurance works is the key to making an informed decision.

2007 FOCUS Seminars
Updated list of training seminars through September, 2007.

B.E.E.P. Is Back!
The San Diego Architectural Foundation's "Built Environment Education Program" returns to San Diego schools.

Safety and Baseball
Workplace safety is like baseball - to win, you need to make it home safely every day.

Live Well, Work Well
Feel better and think more clearly with regular exercise and healthy eating.

The New Food Pyramid
How to choose foods and amounts that are right for you.

Business Interruption Insurance
After a loss, business interruption coverage can make the difference between getting back in business - or folding your tent!

2007 FOCUS Seminars
Updated list of training seminars through May, 2007

Eat Well, Live Well
Tips for healthy eating - and how to change bad eating habits.

Cost of Risk: Who's Managing Yours?
Regardless of how big your company is, formalizing the risk management function will lower your cost of risk and drive dollars to your bottom line.

BOMA Urgent Action Alert! Back-Flow Preventer Thefts
Back-flow preventer thefts are costing businesses thousands! Find out how to protect against thieves.

2007 FOCUS Seminars
Updated list shows seminars through May, 2007

Timely Reporting of Claims and Claim Circumstances
Failure to report claims in a timely manner can jeopardize your coverage.

2007 FOCUS Seminars
Updated list shows training seminars through March 2007.

Commercial Insurance Outlook for 2007
For many businesses, insurance is a major expense. Plan your 2007 budget now.

Workers Compensation Outlook for 2007
Provides an in-depth look at the current workers compensation market to help you plan your 2007 budget.

Upcoming Training Classes and Seminars

"Near Miss" - An Accident That Almost Happened
Treating "near misses" as you would an accident can help you avoid accidents and claims, and thereby lower your workers compensation costs.

Disaster Recovery - A 10-Step Checklist for Disaster Preparedness
A well thought out Disaster Recovery Program will go a long way toward reducing the potential impact of a catastrophic event.

2006 Training Classes

Determining the Validity of an Internet Site
Read tips to determine if an Internet site is a valid place to obtain health care information.

Workers Compensation: Reduce Injuries and Claims with a Successful Safety Incentive Program (SSIP)
See why a safer company tends to have better morale and productivity.

Avoid Discrimination Lawsuits
Protect your business from employee-related lawsuits.

Summer Grilling Safety
Don't let your barbeque go up in smoke!

Contract Review - A Critical Element of Your Risk Management Program
The time taken at the start to quantify risk and negotiate a contract can yield substantial returns in the event of a problem.

Five Ways to Prepare for the Unthinkable
Read about the five major issues to consider to protect your family when you are gone.

2006 Training Classes

Beat the Heat! Tips for Staying Cool When the Weather Heats Up
Heat can be a threat to health - see how to prevent summer heat from getting the best of you.

Wear Sun Protection!
Too much sun exposure can damage your skin and eyes.

Telecommuting: Home Sweet Home Office?
Although staff members can live and work from virtually anywhere there is a high-speed Internet connection, take a look at the liability issues.

Industrial Ergonomics
Ergonomic problems at work (and at home) can usually be solved by simple, common sense solutions.

2006 Training Classes
Our updated list includes new classes available through July 20th.

The Accident Report
A bit of humor to brighten your day!

Coverages to Consider - What You Don't Insure Can Hurt You
Although we don't recommend that you purchase insurance for all, or even most, of the hundreds of exposures to risk, you should be aware of the risks that exist for your firm and what it would cost to insure them.

Additional Exposures You May Want to Consider
A list of exposures you might not have considered in regards to your business.

Things to Do for a Safer Workplace
A checklist of items that will help ensure a safer workplace.

2006 Seminars
A list of Cavignac seminars to be held in our Downtown Training Room through the month of March, 2006.

MyWave
Intoducing a Value-Added Service available to our Employee Benefits clients!

What You Need to Know About Crime Insurance
Crime coverage lends itself to being managed - find out how.

Managing the Employee Dishonesty Exposure
Use our Employee Dishonesty Checklist to determine what you're doing right - and which procedures can be implemented or improved.

Drive Safely in Traffic
These driving tips apply not only during the holidays, but also throughout the year.

Enjoy the Holidays!
Tips to lower stress and increase your enjoyment.

Generic Medications Keep You and Your Wallet Healthy
Find out why generic medications offer the same benefits as brand names, but at far less cost.

2006 Training Seminars
Plan ahead for classes in the Cavignac Training Room during the first quarter of 2006.

Commercial Insurance Outlook for 2006: What Can You Expect?
For many businesses, insurance is a major expense. Plan your 2006 budget now.

Upcoming Seminars
2005 Training Seminars available in our downtown Training Room.

Collectively Bargained Workers Compensation (CBWC): Lowering Your Total Cost of Risk
Read how CBWC can signifcantly reduce the Total Cost of Risk for union employers.

Spotting Workers Compensation Fraud: Red Flags
Workers compensation is one of the most expensive coverages a businessowner must carry. Read these tips to prevent fraudulent claims.

Cavignac Staff Reaches Out to Katrina Victims
Cavignac & Associates raised over $7,400 for hurricane relief efforts in the Gulf Coast states.

Health Tips from Our Employee Benefits Department
Read how to burn 150 calories a day to significantly reduce the threat of heart disease, high blood pressure, diabetes, colon cancer, anxiety and depression.

Soften the Blow of Rising Health Care Costs
Choose the employee health plan that's best for your business!

Welcome News for Section 125 Plans: Grace Periods Allowed!
Although the "use it or lose it" rule still applies, the new grace period makes this option much more attractive.

Comparison of Tax-Advantaged Health Care Options
A side-by-side comparison of the advantages and disadvantages of the four most popular health care options.

2005 Changes in Qualified Retirement Plans
See how various dollar limits can change on occasion.

FAQs about AB 2208 - Same Sex, Registered Domestic Partners
Answers to common questions concerning AB 2208.

Inland Marine Insurance
Read why you need an experienced Inland Marine insurance broker to identify your exposures and tailor appropriate coverage.

Reduce Your Total Cost of Risk
Read how you can significantly reduce your Total Cost of Risk and improve your bottom line by implementing an effective Risk Reduction Plan for your firm.

2005 Training Sessions
Cavignac & Associates offers training programs monthly in our Training Room. See the current schedule.

Loss Control Services
Cavignac & Associates offers a variety of loss control services to our clients, including employee safety, workers compensation and human resources.

Understanding Your Experience Modification: What You Need to Know
Find out what a workers compensation experience modification is, and how it affects your business.

Top 10 Things You Can Do to Lower Your Experience Modification
Find out what you can do to lower your ex mod.

Cavignac Training Sessions for 2005
Peruse the training sessions now available to our clients in the Cavignac Training Room.

HIPAA Basics - Your Right to Privacy
Read a summary of HIPAA Privacy Rules.

Is Your Property Adequately Insured?
See why spending the time to make sure your property is adequately insured is worth the effort, and how to go about it.

Medical Provider Networks (MPNs) - What Are They?
MPNs are health care provider entities or groups whose goal is to provide injured workers with quality medical care. See how MPNs can benefit your business.

Safety Programs: Safety Is YOUR Responsibility!
Accidents cost money. Read how to develop a Safety and Health Program for your firm that can reduce your claims and ultimately lower your insurance premiums.

When an Accident Happens, Take Action - But What?
Firms that dedicate the time and effort to develop successful accident investigation processes and then follow the safety plans and procedures derived from them can make significant improvements to their bottom lines.

'Twas the Night Before Christmas (Insurance Underwriters' Version)
Do insurance underwriters ever take a holiday from thinking in terms of risks, hazards and loss control? See what you think!

Commercial Insurance Outlook for 2005
Budget planning assistance based on educated assumptions about the state of the insurance market in 2005.

California's Workers Compensation Outlook for 2005
Provides an in-depth look at the current workers compensation market to help you plan your 2005 budget.

Mergers & Acquisitions: Insurance Implications
A thorough analysis of a company's risk management and insurance programs is critical to a successful merger or acquisition.

Mergers & Acquisitions - Risk Management Questionnaire
Gather the information necessary to conduct a risk management and insurance program analysis.

Liability Limits: How Much Should I Carry?
Four factors to consider when evaluating your limits of liability.

International Insurance: Do You Need It?
As more and more companies do business in foreign countries, use foreign suppliers and/or service providers, international insurance coverage has become a "must." See if you should have it!

Your Workers Compensation Final Audit
The audit process is set up so that errors benefit the insurance company. Find out how to make sure the audit process benefits your firm!

Premium for Uninsured Subcontractors
Find out why you need to make sure your subcontractors furnish proof of their own workers compensation insurance coverage!

Employers Liability: What Does It Cover?
It's important to know the coverage provided by the "Employers Liability" section of your workers compensation policy.

Explanation of 2004 Workers Compensation Insurance Assessments
See how workers compensation insurance assesments have changed for 2004.

Workers Compensation Insurance: Extraterritorial Exposures
Workers compensation law differs from state to state. Do you have a workers compensation exposure in another state?

Cybersecurity a Challenge
What can you do to protect your business?

Senior Community Center of San Diego
Here's an excellent way to give back to our community this Holiday Season.

Insurance Outlook 2004 - What to Expect
Provides premium estimates for 2004 based on educated assumptions to help you plan your budget.

California's Workers Compensation Market - What's Going On?
Provides an in-depth look at the current Workers Compensation market to help you plan your 2004 budget.

Protecting Your Electronic Assets
What would you do if your entire computer system had crashed or been destroyed?

Off-Site Backups
What if you can't get to backups you store on your premises?

Patrick Casinelli Wins 2nd Place in World Bodysurfing Championships
Patrick Casinelli, head of our Employee Benefits Department, competed in the 2003 World Bodysurfing Championships.

Mold Is a Four Letter Word
"Toxic Mold" - the "next asbestos" - is a major concern for everyone associated with the building industry and buildings in general.

Reduce Your Total Cost of Risk: Strategies for Winning
Significantly reduce your "Total Cost of Risk" by implementing an effective Risk Reduction Plan (RRP).

Cavignac Staff Shines This Summer!
Community events our staff will be involved in this summer.

Employee Benefits: Defined Contribution Plans (HRAs) vs. Section 125 Cafeteria Plans
See what type of plan best fits your firm's needs.

Property/Casualty Insurance Industry Earned 1% in 2002
The industry is improving, but it's still not healthy.

Mediation and Why You Need to Know About It
A great majority of civil suits are settled before trial. Learn how to work toward a conciliatory (win/win) settlement of disputes that may keep your client relationship in good standing and negate the necessity for more legal action.

Don't Fear Mediation
Read a case history showing how mediation actually works.

The Underwriting Ramifications of Your Web Site
Be careful what you put on your Web site! It can affect how an underwriter perceives your company.

Employee Benefits
Employee benefits play an important role in employee compensation and employment packages that attract and help retain qualified staff. Find out how we can help!

Negotiating
Manage risk and cut losses through the art of negotiation.

Hope and Fear: Two Powerful Motivators
Make sure you provide your clients with recommendations for solving their problems and stress your role as their advocate.

Conventional Wisdom Turned Updside Down
Examine the myths of negotiation.

Cavignac & Associates' Charitable Giving Program
Employee contributions benefit the Polinsky Children's Center and Monarch School.

Insurance Requirements in a Hard Insurance Market
Subcontractors are increasingly unable to provide the preferred additional insured endorsement required by their clients. What can be done?

Cavignac & Associates Opens Employee Benefits Department
Your employee benefits needs are now available from Cavignac & Associates!

Workers Compensation: Steps to Take in the Event of a Claim
The 48 hours immediately following an employee injury are critical.

Workers Compensation: Providing an Effective Return to Work Program
The only way to control workers compensation premiums is to control claims. Explore the "Return to Work Program" claims control technique.

Early Return to Work Guidelines
View an Early Return to Work Guidelines sample.

Reservation of Rights Letters
A reservation of rights provides an insurance company the flexibility to satisfy its duty to defend without committing to coverage. It requires careful monitoring and attention from the insured business owner.

Record Retention
A well-crafted and implemented record-keeping plan is an important part of your firm's overall risk management program.

Workers Compensation Benefits Increase in 2003
How will the legislative increases affect the cost of your workers compensation insurance?

California's Workers Compensation Market: Is It Getting Any Better?
See what to expect at your next workers compensation insurance renewal.

5 Ways to Control Your Workers Compensation Costs
Suggestions for controlling your workers compensation insurance.

TWIN Award Winner: Sue Marberry
Our Office Manager, Sue Marberry, receives a Tribute to Women in Industry (TWIN) Award.

The State of the Insurance Market Today - What to Expect at Your Next Renewal
You've heard about the drastic insurance price increases taking place. Why has this happened, how long will it last, and what can you do about it?

Directors and Officers Liability Insurance - Do You Need It?
D&O insurance protects directors and officers of a company from allegations of negligence in their duties as directors or officers. Do you need this coverage?

Charitable Opportunities - Senior Community Center Breaks Ground for Market Square Manor
Market Square Manor will provide 200 handicap-accessible units for low-income seniors who can now look forward to living with dignity in a safe environment.

Controlling Employment Practices Liability Claims
Recommendations to help your organization reduce its exposure to employment practices liability claims.

On the Web...
Protect your company - web sites to help you keep up with Internet law issues.

Workers Compensation Insurance - A Primer
As an employer, it is imperative that you understand how the workers compensation system works, the benefits it provides, and you rights as an employer.

Our Privacy Policy
We value you as a client and take your company's privacy seriously. We offer our written privacy policy for your information.

Our Commitment to San Diego's Non-Profit Organizations
We strive to be an effective corporate citizen, contributing our time and money to local non-profit and civic organizations we believe in. Here is a brief recap of our charitable endeavors in 2001.

Managing the Employee Dishonesty Exposure
Employees stealing their employers' assets happens more often than you'd think, and the perpetrator is generally a long-term, trusted employee. Learn how to reduce your exposures to loss.

Employee Dishonesty Internal Controls Questionnaire
Reduce your exposures to employee dishonesty claims by completing this questionnaire

Six Thieves - Non-Profit Employee Dishonesty
Six real-life claims illustrate the need for employee dishonesty protection.

Winter in Southern California
Tips to prevent damage to structures and property as well as business down time caused by winter weather.

I've Been Sued!
What should you do? What happens next?

"Legaleze" in Claims Handling
Brief definition of terms used in the legal process.

The Trouble with E-Mail
One minute it's your friend; the next minute, it's telling everyone your deepest secrets. You just can't trust it!

E-Mail Essentials
A checklist for you to use.

Tough Times for Some Insurance Companies
Pay careful attention to your insurance companies' financial stability.

Under Construction: E-Newsletters
All-new electronic newsletters are on the way later this year.

California's Workers Compensation System: On the Verge of Collapse?
The California workers compensation insurance market is in trouble. Find out why, and how this will affect your premium costs.

Internet Liability Insurance: Do You Need It?
Companies that disseminate information to the public, whether through an Internet web sites, desktop publishing, or e-mail, now face all of the exposures that traditional publishers face. Find out more about these exposures as well as available Internet liability coverage.

Tough Times for Some Insurance Companies
Downgraded ratings, Insurance Department takeovers, and even liquidation plague several major insurance companies in the wake of the prolonged "soft market." It's wise to pay attention to the financial stability of your insurance companies.

Charitable Opportunities
Senior Community Centers and Polinsky Children's Center share the Cavignac & Associates' spotlight during the Holiday Season.

State of the Current Insurance Marketplace
The downward premium spiral is at an end. Jeffrey Cavignac analyzes the current marketplace as insurance companies face downgrades, failures, and consolidation following twelve years which have benefited consumers with lower premiums.

Auto Coverage in Mexico - Addressing the perennial problem
The Republic of Mexico considers any auto accident a criminal offense as well as a civil matter. Even though you carry U.S. insurance, Mexican authorities may not choose to recognize it. Don't become another sad example!

Driving in Mexico
Safety tips for the roads in our neighbor to the south

Violence in the Workplace
With workplace violence becoming a reality for all types of businesses, a new product is now available for this distressing risk.

Downtown Senior Center - "Serving Seniors"
Seniors have served us; now it's our turn to help them... "Serving Seniors" benefits not only the seniors!

Improving Employee Relations
Why employees and employers often perceive workers compensation to be adversarial

Basic Workers Compensation Summary
Sample summary answers basic questions about workers compensation

Charitable Opportunities
Cavignac & Associates honors our "Star Award Volunteer of the Year" from San Diego Junior Theatre

Insurance Fraud Causes Premium Increases
Only tax evasion surpasses insurance fraud as the most costly white-collar crime in the U.S. - and innocent consumers pay the price

Coverage Simplified: Commercial General Liability Insurance
It's a good idea to have a basic understanding of how your coverage works

Commercial Insurance Pricing Trends
It appears as though the "soft market" cycle may have ended

Other Commercial Liability Coverages to Consider
A partial list of insurance coverages you may need but not have

Winter Weather Loss Prevention
Damage to structures and property could be prevented through routine inspection and maintenance procedures

You've Got Mail
E-mail can open your business to liability

D & O Insurance
Do directors and officers of privately owned companies need coverage?

Online Criminals Threaten Businesses
In 1998, more than 50% of all businesses suffered losses which totaled more than $200 billion

Facts About Insurance Fraud
Insurance fraud is the second largest economic crime in the United States, second only to tax evasion

Environmental Coverage for Non-Environmental Business
Many insureds have significant uninsured exposures; anyone who has even a remote exposure should at least consider this coverage

California's Workers Compensation Insurance Industry in Turmoil
Industry experts predict workers compensation premium increase for the coming year

Certificates of Insurance
The pros and cons of using certificates of insurance

Insurance Definitions
A quick primer on the meaning of insurance terminology

Workers Compensation: State of the Market
A brief history of workers compensation and the outlook for the future

Workers Compensation Definitions
Definitions of common workers compensation insurance terms

Loss Prevention and High Wire Walking
Successful business enterprise will benefit from loss prevention

Executive Liability
Unique loss exposures faced by corporate executives

Making Sense of Insurance Terms
Insurance terminology definitions by the California Department of Insurance

Crisis!
How would your company handle a major crisis? Are you prepared?

NICB: Taking a Bite Out of Insurance Crimes
Here are a few of the National Insurance Crime Bureau's top cases in California

Year 2000 Information and Readiness Disclosure Act
Determine how you can best take advantage of the new law's provisions to minimize your potential liabilities

Employee Dishonesty - Could It Happen to You?
Most employee theft losses are caused by long-term, well-thought-of employees

Life Insurance
How much do you need, and what kind? A quick and simple survey to help determine your needs

Filing a Claim: Some Helpful Do's and Don'ts
Knowing what to do when you have a claim can help you get the best value for your insurance dollar

Have You Displayed Employee Posters?
It's important to display required employer posters demonstrating that the employee was advised of his or her rights in case of an employment lawsuit

Laptop Computer Security
How good is your security program? Suggestions to help protect your laptop and the information stored in it

"All Risk" Property Coverage: There's No Such Thing!
The misnomer "all risk" has been changed to "special perils" to avoid misunderstandings