Eclipse Insurance and Risk Management

Eclipse Insurance and Risk Management Eclipse Marketing & Insurance Services has been a family-owned-and-operated full-service commercial brokerage since 1972.

Vacant commercial buildings carry more insurance risk than many owners realize. Standard commercial property policies of...
03/09/2026

Vacant commercial buildings carry more insurance risk than many owners realize. Standard commercial property policies often reduce or even void coverage if a building has been vacant for more than 60 days, especially for losses like vandalism, water damage, or theft.
With higher vacancy rates across commercial real estate, it’s important to understand how insurers define “vacancy” and what steps you may need to take to stay protected.
Our latest article explains what qualifies as a vacant building, how coverage is affected, and when a vacant building policy may be the right solution.
🔗 Read the full article here: https://tinyurl.com/4rcj9j22

Is your insurance truly protecting your business — or are there gaps you haven’t noticed? As we head into the new year, ...
02/20/2026

Is your insurance truly protecting your business — or are there gaps you haven’t noticed? As we head into the new year, now is the time to review your coverage. In our latest blog, we break down 6 practical ways to strengthen your protection — from reviewing limits to checking cyber coverage and making sure your policies reflect your current operations.

A quick review today could save you major headaches tomorrow. Read the full article here: https://www.eclipseinsurance.com/6-ways-to-make-sure-your-insurance-protects-you-in-the-new-year/

Many small and mid-sized businesses underestimate their cyber exposure. Hackers often target smaller vendors to reach la...
01/05/2026

Many small and mid-sized businesses underestimate their cyber exposure. Hackers often target smaller vendors to reach larger companies, which means any business with system access or customer data can be an entry point.
Our latest article explains why SMBs are increasingly at risk and what a strong cyber policy should include to protect against breaches, regulatory penalties, downtime, and reputational harm.
If you want clarity on your cyber risk or coverage options, we’re here to help.
🔗 Read the full article: https://tinyurl.com/mub5e2vr

Vacant commercial buildings carry more insurance risk than many owners realize. Standard commercial property policies of...
12/17/2025

Vacant commercial buildings carry more insurance risk than many owners realize. Standard commercial property policies often reduce or even void coverage if a building has been vacant for more than 60 days, especially for losses like vandalism, water damage, or theft.
With higher vacancy rates across commercial real estate, it’s important to understand how insurers define “vacancy” and what steps you may need to take to stay protected.
Our latest article explains what qualifies as a vacant building, how coverage is affected, and when a vacant building policy may be the right solution.
🔗 Read the full article here: https://www.eclipseinsurance.com/vacant-building-insurance-coverage/

When reporting payroll for Workers’ Comp, not all employee compensation counts.Bonuses, commissions, and vacation pay ar...
10/15/2025

When reporting payroll for Workers’ Comp, not all employee compensation counts.
Bonuses, commissions, and vacation pay are included, but things like tips, severance, and retirement contributions are excluded. The differences matter when it comes to premiums and audits.
In our new blog, we explain what the Workers’ Compensation Insurance Rating Bureau (WCIRB) considers payroll — and what doesn’t make the cut. Read our latest blog: https://tinyurl.com/3x62py2t

Terrorism insurance doesn’t always work the way businesses expect.The Palm Springs fertility clinic bombing shows that r...
09/12/2025

Terrorism insurance doesn’t always work the way businesses expect.
The Palm Springs fertility clinic bombing shows that risks extend beyond high-profile targets — and that TRIA certification is key to coverage.
In our new blog, we explain how terrorism insurance works, why no events have ever been certified under TRIA, and what businesses should consider when evaluating their coverage.
🔗 Read our latest blog: https://tinyurl.com/32m2nyu6

🏗️ Reconstruction Costs Are Up 60%—Is Your Insurance Keeping Up?From homes to commercial buildings, property owners are ...
06/12/2025

🏗️ Reconstruction Costs Are Up 60%—Is Your Insurance Keeping Up?
From homes to commercial buildings, property owners are facing a big risk: being underinsured. Why? Because reconstruction costs have surged over 60% in the last decade—nearly double the rate of inflation.
If your policy limits haven’t been updated, you could be exposed to major losses 🔍—especially if your policy includes co-insurance penalties.
✅ Review your coverage
✅ Understand how claims will be paid
✅ Ask the right questions
📞 Let Eclipse help you avoid expensive surprises. Contact us at 800-530-4448 or [email protected] for a policy review today.

🔍 Claims-Made vs. Occurrence-Based Insurance — Do you know the difference?If your business carries D&O, EPL, Cyber, or P...
05/27/2025

🔍 Claims-Made vs. Occurrence-Based Insurance — Do you know the difference?
If your business carries D&O, EPL, Cyber, or Professional Liability insurance, chances are it’s on a claims-made basis—which means timing is everything when it comes to reporting claims.
📅 Miss the retroactive date or delay reporting a potential issue? You could be left without coverage.
👉 Learn the key risks and how to protect your business: https://tinyurl.com/33awzudm
📞 800-530-4448 | ✉️ [email protected]

Confused about OCIPs? 🤔 Owner Controlled Insurance Programs can impact your construction projects in big ways! Learn wha...
05/08/2025

Confused about OCIPs? 🤔 Owner Controlled Insurance Programs can impact your construction projects in big ways! Learn what they are, how they work, and why they matter to contractors. 🏗️ Read the full article here: https://tinyurl.com/h599bb2c

📢 Attention Contractors! Are you staying ahead of Work Comp Dual Wage Classifications? 💰 Understanding these classificat...
03/18/2025

📢 Attention Contractors!
Are you staying ahead of Work Comp Dual Wage Classifications? 💰 Understanding these classifications can mean significant savings on your workers' compensation premiums.
✅ Higher wages = Lower premium rates
✅ Know the wage thresholds for your trade
✅ Track changes to avoid costly surprises
Find out how to classify your employees correctly and optimize your costs. Learn more:
https://www.eclipseinsurance.com/work-comp-dual-wage-classifications-guide/

🚨 The rise in nuclear verdicts is reshaping liability risks for businesses nationwide! With supersized jury awards growi...
02/26/2025

🚨 The rise in nuclear verdicts is reshaping liability risks for businesses nationwide! With supersized jury awards growing at record rates, even small and mid-sized businesses can feel the ripple effects. 📉 From social inflation to PFAS litigation, staying ahead of liability loss trends is key to managing risk. Read more here: https://tinyurl.com/4yawmnyf
Need expert guidance? Eclipse Insurance is here to help!
📞 800-530-4448 📧 [email protected]

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91 Cernon Street
Vacaville, CA
95688

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Monday 9am - 5pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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