Personal

Navigating the world of insurance can be challenging, but understanding the distinct purposes and coverages of various types of insurance is essential. Here, we’ll explore the differences between medical insurance, disability insurance (DI), and long-term care insurance (LTCI). Medical Insurance Coverage: Medical insurance covers expenses related to healthcare services such as doctor’s visits, hospital stays, … Read more

In the journey of securing the financial future of our children and grandchildren, one enduring gift stands out — Whole Life insurance. More than just a policy, it’s a cornerstone for generational wealth, offering stability, flexibility, and a legacy that transcends lifetimes. At GMIS, we understand the significance of this gift and how it can … Read more

Worker’s compensation insurance is one of the most important benefits a business can offer its employees. It gives your staff members peace of mind as they know they’re covered if they get hurt while on the job or get sick as a result of the work they’re doing for your company.  What Does it Cover?  … Read more

Running a landscaping business can be both fulfilling and profitable. However, it also comes with its fair share of challenges. The CDC rates landscaping as one of the highest-hazard industries in the service sector. Common dangers include falls when pruning or trimming trees, accidents involving the handling of dangerous pesticides, and injuries arising from contact … Read more

A group insurance policy is any insurance policy provided to a group of people rather than a business or a single individual. Common options include health, vision, dental, and life insurance. Supplemental policies that can be added to those policies include accident insurance, disability insurance, cancer insurance, critical illness insurance, and legal insurance. These and … Read more

Worker’s compensation requirements vary by location, but most states require companies to provide employees with this form of coverage. However, purchasing this coverage shouldn’t be viewed as just one more to-do to tick off. Employers and employees alike should understand how it works and what is and isn’t covered. It’s also important for business owners … Read more

Any business that uses one or more vehicles to transport items or people will need commercial auto insurance. Commercial auto coverage, also known as a business automobile policy (BAP), provides coverage to any business owner or employee who uses a vehicle while on the job. Coverage varies depending on the carrier one works with, the … Read more

Current State of California’s Insurance Market As the California insurance market continues to face unprecedented challenges, we understand that you may be concerned about the state of your insurance coverage. In light of recent developments and the increasing volatility in the industry, we would like to provide further insights and recommendations to help you safeguard … Read more

If you live in California, you may be aware of the concerning situation currently unfolding in the insurance market. Many insurance carriers are canceling, delaying, or declining to offer coverage for home, auto, and other personal insurance products. As a result, many Californians are now facing challenges in finding affordable and reliable insurance options. What … Read more

Flooding is the number one natural disaster in the United States and Golden State residents are particularly vulnerable. Every single county in California has been declared a flood disaster more than once and estimates indicate that 20% of California residents are at risk of damage should a flood occur. Flood insurance naturally won’t prevent damage … Read more

Our pets are our family, and just like with our human family and loved ones, it’s our responsibility to take care of them when it matters the most. This includes providing them with proper medical care when needed. But veterinary bills can quickly add up, especially if your pet needs emergency treatment or a major … Read more