Cannabis Businesses Legislation Update

Cannabis Businesses Legislation Update

Cannabis Businesses Legislation Update

Recently, new bipartisan legislation—the Clarifying Law Around Insurance of Marijuana Act of 2021 (Claim Act of 2021)—was introduced to the U.S. Congress. This legislation provides protections for insurers of cannabis businesses and related, legitimate businesses. Since many states are legalizing or have legalized the sale of marijuana, the number of cannabis businesses has increased dramatically over the past decade. However, these businesses have had difficulty finding insurance coverage, as federal law still prohibits the sale of marijuana.

 Cannabis Businesses

What Is the Claim Act of 2021?

The Claim Act of 2021 creates a safe harbor for insurers (i.e., precludes them from liability) that engage in the business of insurance in connection with a cannabis-related legitimate business, particularly within states that allow for the:

  • Use;
  • Cultivation;
  • Production;
  • Manufacture;
  • Sale;
  • Transportation;
  • Display;
  • Dispensing;
  • Distribution; or
  • Purchase of cannabis.

The bill was introduced to prevent cannabis-related businesses from being shut out from basic protections.

What Protections Does the Act Provide?

The Claim Act of 2021 would provide protections to insurers allowing them to provide insurance coverage to cannabis-related businesses without federal penalty. These insurance coverages include:

Since the sale of cannabis is illegal under federal law, many insurance companies will not cover cannabis-related businesses. This bill would prevent insurers from being penalized by federal agencies for providing coverage to such businesses. In particular the Claim Act would:  

  • Prohibit penalizing or discouraging an insurer from providing coverage to a state-sanctioned and regulated cannabis business, or an associated business;
  • Prohibit the termination or limitation of an insurer’s policies solely because the insurer has engaged in the business of insurance in connection with a cannabis-related business;
  • Prohibit recommending, incentivizing or encouraging an insurer not to engage in the business of insurance in connection with a policyholder, or downgrade or cancel the insurance offered to a cannabis or cannabis-related business;
  • Prohibit the federal government from taking any adverse or corrective supervisory action on a policy to an owner or operator of a cannabis-related business, or real estate or equipment that is leased to a cannabis-related business, solely because the owner or operator is engaged with a cannabis or cannabis-related business; and
  • Protect employees of an insurer from any liability solely for engaging in the business of insurance with a cannabis or cannabis-related business.
 Cannabis Businesses

When Does the Act Apply?

The Claim Act of 2021 only applies to insurers that are providing insurance services to cannabis-related, legitimate businesses, or a state, political subdivision of a state or Native American tribe that exercises jurisdiction over cannabis-related legitimate businesses.

Cannabis-related, legitimate businesses include manufacturers, producers, or any person or company that engages in any activity that involves handling cannabis or cannabis products.

If the legislation passes, it would allow cannabis-related, legitimate businesses to obtain the proper insurance coverage necessary to responsibility run their operations. Additionally, insurers would be able to provide coverage to these companies without fear of prosecution or negative consequences. Overall, the Claim Act of 2021 could benefit small businesses in many states that have legalized marijuana.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business.

Contact us today 1-209-634-2929 for your comprehensive cannabis insurance quote!

The Importance of Fire Doors

The Importance of Fire Doors

The Importance of Fire Doors

In the event that a fire occurs at your commercial property, having measures in place to slow the spread of the flames and minimize potential damages is crucial. That’s where fire doors can help. These doors are specifically designed to withstand the extreme heat of a fire for a period of time, temporarily blocking flames from traveling from one area of a building to another.

Considering that time is of the essence when it comes to keeping a fire under control, these doors can make all the difference in allowing additional building occupants to safely escape the premises and preventing property damage. Yet, National Fire Protection Association (NFPA) standards—namely, NFPA 80—emphasize that fire doors must be routinely inspected and adequately maintained in order to be effective.

Review the following guidance to learn more about how fire doors work and best practices for keeping these doors fully operational.

Fire Doors

How Fire Doors Work

A fire door consists of multiple components—including the door, door frame, hinges, handle and additional hardware. Collectively, these parts are designed to withstand fire exposures for a set period of time, slowing the spread of flames and smoke throughout different sections of the affected property.

These doors can vary in size, materials and layout (e.g., a swinging, sliding, hinged or rolling door). These doors are typically utilized within the wall openings and stairwells of buildings. Installing fire doors in wall openings can help keep flames from spreading to additional areas on the same floor of a property. Implementing these doors in stairwells can deter a fire from traveling between different stories of a property and potentially allow additional building occupants to safely escape via the stairs. Fire doors can also provide firefighters with better access to the property overall, bolstering fire suppression efforts.

Each fire door is designed to meet the standards of its resistance rating, which represents how long the door can actually withstand fire exposures before eventually succumbing to the heat and smoke. This rating is determined through various testing procedures, and applies not only to the door, but also to its collective parts. Fire door resistance ratings can range from 20 minutes to three hours. For example, if the door can withstand fire exposures for one hour, then it will be rated as a one-hour fire door.

Fire doors are also considered in the process of establishing a property’s fire divisions. While some buildings only consist of a single fire division, a property may contain multiple fire divisions if there are measures in place to limit a fire from reaching different areas of the building. With this in mind, properties with approved fire divisions by way of fire doors in place may benefit from reduced commercial insurance rates, seeing as there is a lower risk of a fire spreading across the entirety of the building.

On the other hand, properties that remove or don’t incorporate fire doors and thus lack multiple fire divisions may encounter higher commercial insurance rates, since a fire is increasingly likely to affect the entire building and result in more severe damages.

Fire Doors

Maintaining Fire Doors

While fire doors can certainly offer numerous advantages to a property, it’s important to note that these doors must be properly maintained to remain effective. In particular, some fire doors need to stay fully closed in order to work. Otherwise, flames and smoke will easily travel through any openings, defeating the purpose of the doors altogether.

However, fire doors that are equipped with fusible links—which are heat-activated devices designed to ensure that such doors adequately close in the presence of a fire—do not need to stay shut at all times. In these circumstances, the doors can be kept open as long as there are no obstructions (e.g., a door wedge) in the way that could potentially prevent them from closing when necessary. Keep in mind that most rolling fire doors are equipped with fusible links.

In addition to keeping fire doors closed or unobstructed, NFPA 80 also outlines the following installation, inspection and maintenance requirements:

  • Ensure all fire doors at your property contain a fire label and resistance rating from Underwriter Laboratories or Warnock Hersey—both of which are trusted safety certification organizations.
  • Only allow a competent, qualified contractor to install fire doors or make modifications to existing fire doors at your property. Modifying a fire door with the wrong components or hardware could result in the door becoming ineffective and losing its resistance rating. Also, be sure to consult the contractor about the possibility of equipping your fire doors with fusible links.
  • Regularly inspect fire doors for potential damages (e.g., large gaps, broken seals, loose hinges or missing screws). Further, make sure that each door can connect firmly to its latch without getting stuck on the frame before fully closing. Schedule repairs when necessary.
  • Have a certified professional conduct a visual inspection and—in the case of rolling doors—a drop test (a test that confirms the door works as it should and completely closes) on your property’s fire doors at least once every year. Based on the results, schedule repairs and make door replacements as needed.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our clients know how much we value and appreciate their business.

Contact us today 1-209-634-2929 for your comprehensive property insurance quote!

Cyber Hack Update: MS Email

Cyber Hack Update: MS Email

Cyber Hack Update: MS Email

Tens of thousands of organizations around the world using Microsoft’s Exchange Server have been compromised by a cyber hack campaign suspected to have ties to China. This campaign exploited software vulnerabilities to seize control of systems and steal data, according to researchers.

Security researchers at Volexity first detected the cyber hack in January, according to Microsoft. Volexity has provided a full overview of the technical details on its website. FireEye’s Mandiant also reported evidence that the campaign hit U.S. retailers, local governments, a university and an engineering firm. Cybersecurity blogger Brian Krebs reported at least 30,000 U.S. organizations could be affected, among them being small businesses and municipalities.

Cyber Hack

Cyber Hack Microsoft Update

In a blog post, Microsoft researchers detailed the recent exploits of a highly skilled and sophisticated threat actor they call Hafnium. The threat actors were able to infiltrate Microsoft’s Exchange Server software using stolen credentials or zero-day vulnerabilities. They could then create web shells with administrative access, allowing the bad actors to steal data or control systems remotely.

According to Microsoft, the group typically targets U.S. entities, especially infectious disease researchers, law firms, higher education institutions, defense contractors, policy think tanks and other nongovernmental organizations.

Microsoft issued emergency security updates to protect Exchange Server customers. It should be noted that the hack is not related to the recent SolarWinds supply chain attack. Multiple security researchers reported that, after Microsoft issued its patch, hackers seemed to have kicked the hacking campaign into overdrive to access as many unpatched systems as possible.

We’ve Experienced a Cyber Breach Ourselves! Download Our Case Study Today!

Cyber Hack

Government Cyber Hack Task Force

The Biden administration will reportedly convene a task force to investigate the hack, and the federal Cybersecurity and Infrastructure Security (CISA) issued an alert to help organizations determine whether they may have been compromised.

On Twitter, former CISA head Christopher Krebs called the event a huge hack, adding that the affected parties dwarf the already-high reported numbers. Any organization using Outlook Web Access should be checking whether it has been compromised, according to Krebs.

“[The compromise] is going to disproportionately impact those that can least afford it,” Krebs said in a Tweet. “Incident response teams are burned out, and this is at a really bad time. Few organizations should be running exchange servers these days.”

Hacking the email systems of hundreds of thousands of organizations could not only lead to intellectual property theft but could also give rise to data breaches, business email compromise attacks, funds transfer fraud and other risks that would trigger insurance policies that cover cyber events. Having built backdoors into countless systems, the malicious actors can also come and go freely unless detected and locked out quickly, making patching and quick remediation essential.

The event comes at a time when federal lawmakers have been advised to quickly streamline the process of sharing threat information between the government, security firms and the private sector. A recent Senate hearing revealed some willingness on the part of lawmakers to move toward mandatory breach reporting with possibly liability protections for breached parties.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business.

Contact us today 1-209-634-2929 for your comprehensive cyber liability insurance quote!

COVID-19 Workers Comp Claim from Spouse Rejected

COVID-19 Workers Comp Claim from Spouse Rejected

COVID-19 Workers Comp Claim from Spouse Rejected

California Employers received some potentially GOOD news from a California Federal Judge with respects to Liability arising out of a COVID-19 workers comp claim. 

During the last week of February 2021; a California Federal Judge dismissed a claim made by a spouse of an employee who allegedly contracted COVID-19 while on the job.  The plaintiff alleged that she contracted COVID-19 from her husband who had contracted the virus while at work. 

The dismissal was given with leave to amend the claim, so the Plaintiff may elect to revise and refile their claim; but as of now this is a positive indication as to how California courts may elect to view and decide on future claims.

A summary of the complaint and the situation may be found from The National Law Review at the following link: 

https://www-natlawreview-com.cdn.ampproject.org/c/s/www.natlawreview.com/article/sickness-and-health-court-rejects-spouse-s-covid-claim-against-employer

COVID-19 Workers Comp Background

Workers’ compensation is a no-fault system that provides medical expenses and lost-income replacement for employees who sustain injuries or illnesses that arise out of and in the course and scope of their employment.

Each state has its own workers’ compensation law that governs the process of determining whether an injury or illness is work related and therefore compensable. Under California’s workers’ compensation law, employees typically have the burden of proving that any claimed condition is work related.  

On May 6, 2020, however, California’s governor issued Executive Order N-62-20 to reverse that burden for employees who were diagnosed with or tested positive for COVID-19 within 14 days after working at their places of employment between (and including) March 19 and July 5, 2020.  On Sept. 17, 2020, the state enacted SB1159 to add the provisions of that order to the state’ workers’ compensation law and to extend the presumption that COVID-19 is work related to certain employees through Jan. 1, 2023.

COVID-19 Workers Comp

New Presumptions Under SB1159

SB1159 creates a new presumption that COVID-19 is compensable for the following types of workers, if they test positive for COVID-19 within 14 days after working at a place of employment (not including their own homes), at an employers’ direction, on or after July 6, 2020:  

  • Active firefighting members (including volunteers) of various, local, state and federal fire departments;
  • Peace officers who primarily engage in active law enforcement activities;
  • Fire and rescue services coordinators who work for the Office of Emergency Services;
  • Health facility workers who provide direct patient care to or come into contact with COVID-19 patients; 
  • Certain registered nurses, emergency medical technicians and emergency medical technician-paramedics;
  • Workers who provide direct patient care for a home health agency; and
  • Workers who provide in-home supportive services outside their own homes.

In addition, SB1159 extends the presumption to any employee who tests positive for COVID-19 within 14 days after working at a place of employment, at an employers’ direction, on or after July 6, 2020, if:  

  • The employer has five or more employees; and
  • The employee tests positive during an outbreak at the employee’s specific place of employment.

For this purpose, an “outbreak” exists when:  

  • Four employees at a specific workplace test positive for COVID-19 within a 14-day period, if the employer has 100 employees or fewer at that workplace;
  • Four percent of the employees who reported to a specific workplace test positive for COVID-19 within a 14-day period, if the employer has more than 100 employees at that workplace; or
  • A specific workplace is ordered to close by a local or state public health authority due to COVID-19-related risk.

A specific workplace means the building, facility, store, field or other location where an employee performs work at the employer’s direction. It does not include an employee’s home, unless the employee provides home health care services to another individual there.

Disputing COVID-19 Workers Comp Claims

When an employee is presumed to have a compensable claim for COVID-19, the employer may present evidence to rebut the presumption. Types of evidence that may help prove that an employee did not contract COVID-19 on the job include, for example, any measures the employer has in place to reduce potential transmission in the employee’s workplace and any nonoccupational risks of COVID-19 infection the employee may have.

An employer that wishes to dispute an employee’s presumptively compensable claim for COVID-19 must formally reject liability within either 30 days (for claims that do not depend on the existence of an outbreak for the presumption) or 45 days (for claims associated with an outbreak). Otherwise, the employer will be barred from using any already-discovered evidence to dispute the claim.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business.

Contact us today 1-209-634-2929 for your comprehensive Workers Compensation insurance quote!

Health Care Facility and Air Quality

Health Care Facility and Air Quality

Health Care Facility and Air Quality

According to the Environmental Protection Agency (EPA), indoor air has higher levels of pollutants than outdoor air, and consequently can pose environmentally related health problems. Health care facilities must take particular care of indoor air quality; many of those in the hospital are especially susceptible to air quality problems, such as immunosuppressed, elderly or chemotherapy patients, and those being treated in bone marrow, neonatal or burn units. Your Health Care Facility needs to take particular notice of air quality. Hospitals also face unique risks regarding air quality:

  • The risk of spread of infectious diseases and other biological hazards
  • Chemical hazards
  • Ventilation requirements
Health Care Facility and Air Quality

Sick Building Syndrome (SBS)

When a substantial number of a facility’s occupants experience health and comfort troubles related to working indoors, the outbreak is referred to as sick building syndrome. The reported symptoms do not follow the patterns of any particular illnesses, are often difficult to trace to any specific source and relief from the symptoms tends to occur when leaving the facility. Employees may experience headaches, eye, nose and throat irritation, dry or itchy skin, fatigue, dizziness, nausea and loss of concentration.

Building-Related Illnesses (BRI)

A facility is characterized with BRI when a relatively small number of occupants experience health problems. The symptoms associated with BRIs are similar to those of SBS and are often accompanied by physical signs identified by a physician or laboratory test. Sufferers of BRI may also experience upper respiratory irritation, skin irritations, chills, fever, cough, chest tightness, congestion, sneezing, runny nose, muscle aches and pneumonia. These symptoms may be caused by the following conditions brought on my indoor air pollutants: asthma, hypersensitivity pneumonitis, multiple chemical sensitivity and Legionnaires’ disease.

Contributing Factors

There are numerous concerns regarding health care facility air quality. The following are some that can be controlled by the facility.

Health Care Facility and Air Quality

Use of Mercury

Mercury is a bioaccumulative, persistent, toxic substance that threatens the health of humans. It is found in many health care settings, including pathology labs, patient areas, and clinical procedure and medicines. It is found in blood pressure monitors, dental amalgam, thermometers or thermostats, esophageal dilators, Cantor tubes and Miller Abott tubes, and histology fixatives and stains.

Mercury evaporates, and can be inhaled. Even a few drops of metallic mercury, when released into an enclosed space, can raise air concentrations of mercury to levels that are harmful to health. If mercury is not handled and disposed of properly, mercury can pose a serious health threat to staff and patients. There are mercury-free alternatives for almost all of these items. Your efforts can make a big difference.

Polyvinyl Chloride (PVC)

PVC is used in common plastic products like IV bags, surgical tubing and other medical supplies. If products containing PVC are incinerated on site, they produce a potent carcinogen called dioxin, which interferes with normal reproduction and development even at low doses.

Latex

Latex protein molecules can bind with cornstarch powder on the outside and inside of gloves and be inhaled by staff and patients in a large area. Many health care workers and patients have a latex allergy, and inhaling the substance puts them at risk of an allergic reaction, which can range from skin irritations to breathing problems.

Health Care Facility and Ventilation Systems

Biological contaminants including bacteria, mold and viruses can breed in stagnant water that can accumulate in ducts, humidifiers and drain pans of ventilation systems, increasing the risk of infection in all areas of the facility.

Proper maintenance of these systems and use of HEPA filters is fundamental to preventing the spread of disease. Without maintenance, filters become overloaded, allowing irritants and microbes to circulate in the air. A thorough inspection of your ventilation system should verify the following.

  • Outdoor air supply dampers are opened as they were originally designed and remain unobstructed.
  • Fan belts are properly operating, in good condition and replaced when necessary.
  • Equipment parts are lubricated.
  • Motors are properly functioning and in good operating condition.
  • Diffusers are open and unobstructed for adequate air mixing.
  • The system is properly balanced.
  • Filters are properly installed and replaced at specific intervals.
  • Damaged components are replaced or repaired.
  • Condensate pans are properly drained and are in good condition.
  • Carbon dioxide levels are under 1000 ppm, which is the maximum recommended level by the American Society of Heating, Refrigerating and Air-Conditioning Engineers, Inc.

Ways to Reduce Your Health Care Facility Risk

  • Reduce or eliminate the presence of dangerous chemicals in your facility by purchasing products that do not contain them or handling them in the proper manner.
  • Use mercury-free instruments and supplies
  • Avoid PVC and do not incinerate PVC-containing materials
  • Use latex-free or powder-free gloves
  • Focus on your ventilation systems. Ensure that the fresh air supply and air pressure are sufficient for each part of the facility. Make proper maintenance of these systems a priority.
  • Develop a training and communication program aimed at increasing the general awareness of the impacts of these irritants, and a protocol for use and disposal.
  • Avoid overcrowding staff and patients in one area, and make sure the amount of fresh air in the room is appropriate for the average number of occupants.
  • Clean and disinfect all surfaces regularly where irritants and moisture can collect.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business.

Contact GDI Insurance Agency, Inc. for more information about risk management and loss prevention strategies for health care facilities, including a complete Dental Labs Insurance program.

4 Recruiting Trends to Watch in 2021

4 Recruiting Trends to Watch in 2021

4 Recruiting Trends to Watch in 2021

Recruiting has never been simple, and the COVID-19 pandemic is complicating matters even more. In this rapidly changing landscape, employers need to adapt if they want to attract and retain quality talent. To better prepare for this task, here are 4 recruiting trends employers should monitor in 2021.

1. Looking Inward for Talent

Recruiting is a challenge at any time, but especially amid the COVID-19 pandemic. During this time, recruiters are suffering from many constraints, chief among them being slim budgets. In fact, 50% of talent professionals expect a smaller budget this year compared to last, according to a LinkedIn survey.

This reality is spurring recruiters to look internally for talent. Year over year, internal mobility has increased 20%, according to LinkedIn. And that’s not a huge surprise, given that upskilling and retraining workers can be more cost efficient than hiring from outside an organization. Employers can expect more recruiters to focus on transferrable skills over task-specific abilities in 2021.

recruiting trends

2. Leveraging Technology

The COVID-19 pandemic forced many businesses to work remotely or shut down completely. Even as workplaces reopen, a significant portion will retain remote employees. And recruiters will likely be among them.

In fact, 81% of talent professionals say virtual recruiting will continue even after the pandemic, according to LinkedIn. Notably, 70% of those professionals say virtual recruiting will become the new standard. That’s not entirely shocking, since virtual communication is so commonplace and easily accessible. Employers should expect virtual recruiting to continue in some form and should consider adopting technology that can help expand their efforts.

3. Embracing Diversity

More diverse representation and greater equity were huge issues in 2020, sparking debates across the country. Employers have taken note and many large companies have pledged to do better. Among talent professionals, 77% say diversity will be “very important” to the future of recruiting, according to LinkedIn. That means employers can expect a more concerted effort to diversify workplaces. This may include reducing implicit bias among recruiters and managers and diversifying C-suite positions.

4. Leading by Example

In the same vein as diversification efforts, employers are expected to be more vocal on social issues. Instead of promoting their products on social media, many businesses are discussing how they support their workers and communities, particularly during the COVID-19 pandemic. This helps organizations control how candidates view them, which can affect recruiting efforts. The trend ramped up last year and will likely continue in 2021.

Employers can expect more candidates to look for empathy and clearly defined virtues from their potential workplaces. Promoting these qualities could mean the difference between someone accepting an interview or not. And that fact isn’t lost on employers. Over half of talent professionals (63%) expect employer branding budgets to increase or stay the same, according to LinkedIn. Employers should anticipate more organizations to increase efforts to show—rather than tell—what their companies represent, especially in relation to employee well-being and social issues.

Recruiting Trends in 2021

Recruiting likely won’t get easier in 2021 despite a dramatic increase in unemployment compared to last year. This is due to slim budgets, pandemic constraints and many other reasons. In light of these challenges, employers will need to get creative with their recruiting efforts. Luckily, there are some proven methods for doing just that.

Reach out for more workplace guidance, including attraction and retention tips.

California’s Leader in Insurance and Risk Management

As one of the fastest-growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. The GDI team has developed an “insurance cost reduction” quoting plan, that provides you with the best coverage at the best rate!

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business.

Contact us today 1-209-634-2929 for your comprehensive insurance quote!