--- title: California Home Insurance Agency providing CA Home, Auto, Apartment Insurance to Los Angeles, Orange County & Ventura County California | Insurance description: Insurance | --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## [Does Your Hobby or Home Business Require Extra Insurance?– Part One](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on November 7, 2011 at 10:01 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462026-jpg/images/books-resized-600.jpg) ](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) ##### (Please also see our blog post Part 2 for this same topic.) Did you know that your hobby may significantly affect your personal insurance needs? Hobbies often require a large investment in tangible property and may even create some legal responsibility to other persons or their property.  [Read More](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Property Insurance](https://www.sutherland-scherff.com/blog/topic/property-insurance), [Personal Umbrella](https://www.sutherland-scherff.com/blog/topic/personal-umbrella), [Personal Property Insurance](https://www.sutherland-scherff.com/blog/topic/personal-property-insurance) ## [The Impact Of Hurricane Irene On The National Flood Insurance Program](https://www.sutherland-scherff.com/blog/bid/66418/The-Impact-Of-Hurricane-Irene-On-The-National-Flood-Insurance-Program) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on September 12, 2011 at 1:50 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463263-jpg/images/the_impact_of_hurricane_irene_on_th_national_flood_insurance_program.jpg) ](https://www.sutherland-scherff.com/blog/bid/66418/The-Impact-Of-Hurricane-Irene-On-The-National-Flood-Insurance-Program) Will **flooding** from Hurricane Irene prompt Congress to speed along the process to reauthorize the **National Flood Insurance Program?**  That is what property and casualty trade representatives are hoping.  The program is slated to expire the 30th of this month.  The problem is the conflict between Congress and the Senate.  The House passed a bill (HR1309) which would extend the program for 5 years and make rates sound, while the Senate has profoundly different views on how to proceed. [Read More](https://www.sutherland-scherff.com/blog/bid/66418/The-Impact-Of-Hurricane-Irene-On-The-National-Flood-Insurance-Program) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/66418/The-Impact-Of-Hurricane-Irene-On-The-National-Flood-Insurance-Program#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Flood Insurance](https://www.sutherland-scherff.com/blog/topic/flood-insurance) ## [What To Look For In Restaurant Insurance](https://www.sutherland-scherff.com/blog/bid/65381/What-To-Look-For-In-Restaurant-Insurance) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on September 2, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462965-jpg/images/restaurant_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/65381/What-To-Look-For-In-Restaurant-Insurance) When setting up any **business**, it is vital that you choose the most appropriate, most beneficial, and most **cost effective insurance** solution to cover all of your needs. Each business and every industry has its own unique requirements because of the day to day activities involved in that business. Running a restaurant, for instance, requires** liability insurance** for employees and for customers. However, there are some aspects of [restaurant insurance](https://www.sutherland-scherff.com/business-insurance/restaurant-insurance-0/) that you may not have yet considered. Fortunately, [restaurant insurance](https://www.sutherland-scherff.com/business-insurance/restaurant-insurance-0/) can be tailored to meet all of the needs of restaurants, coffee shops, delis, bistros and similar businesses. [Read More](https://www.sutherland-scherff.com/blog/bid/65381/What-To-Look-For-In-Restaurant-Insurance) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/65381/What-To-Look-For-In-Restaurant-Insurance#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [restaurant insurance](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance) ## [New Legislation May Give Benefits To Continuous Car Insurance Holders](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 30, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462443-jpg/images/car_legislation.jpg) ](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) Back in 2010, legislation was proposed that would reward [car insurance](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/) consumers for maintaining continuous coverage with **discounts to their premiums**, no matter who they had their coverage with.  That legislation **failed to pass.**  [Read More](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [Liquor Liability Insurance for Your Restaurant – Are You Covered?](https://www.sutherland-scherff.com/blog/bid/64822/Liquor-Liability-Insurance-for-Your-Restaurant-Are-You-Covered) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 29, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462835-jpg/images/liquor_liability.jpg) ](https://www.sutherland-scherff.com/blog/bid/64822/Liquor-Liability-Insurance-for-Your-Restaurant-Are-You-Covered) ## **Coverage** **Liquor Liability Insurance** for California restaurants and bars defends you against any charges of negligence related to the service of alcohol on your premises, and also indemnifies your business for any** financial loss** if you are found to be **legally liable** for any negligence.  As the owner, you are responsible for your patrons when alcohol is served to them under **California’s Liquor Liability laws. ** [Read More](https://www.sutherland-scherff.com/blog/bid/64822/Liquor-Liability-Insurance-for-Your-Restaurant-Are-You-Covered) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64822/Liquor-Liability-Insurance-for-Your-Restaurant-Are-You-Covered#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [restaurant insurance](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance) ## [Is Your Child Starting To Drive? Check Out Our Youth Car Insurance Tips](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 24, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463344-jpg/images/youth_car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) If you are beginning to shop around for your child’s first [car insurance policy](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/), you’re probably already aware that it’s not unusual for student drivers to **pay higher premiums**. Young adults and students **aged 15-24** are statistically considered a **high risk group**, especially young males, who almost always pay even **higher costs**. That said, there are some things you and your child can do to mitigate costs. [Read More](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [New Legislation: Makes California Roads Safer & Slashes Car Insurance Rates](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 23, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462439-jpg/images/car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) In a recent **nationwide survey**, industry experts have revealed some intriguing statistics about what **Americans** think might **increase safety** on our roads.  The majority of us think that the **teen demographic** poses the most danger on the road.  As a result, 60 percent of road users support a national law that would set the **minimum standards** for a graduated driver’s licensing program, which would hopefully also have an impact on [car insurance premiums](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/tips-for-more-affordable-car-insurance/). Here are a few more findings from the survey: [Read More](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) ## [California Life Insurance: Achieve Certainty For Your Loved Ones](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 18, 2011 at 1:38 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462359-gif/images/california_life_insurance-_how_to_achieve_certainty_for_your_loved_ones.gif) ](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) In life, the only certainties are mortality…and uncertainty.  This oxymoronic truth abides with us all.  As **mature California residents**, we understand the natural limits of life.  We also know that there are ways to continue to provide for our families after we are gone.  After all, it is why we invest in [life insurance](https://www.sutherland-scherff.com/personal-lines-copy-0/ca-life-insurance/).  It’s an investment in our family’s future. [Read More](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63994/California-Life-Insurance-Achieve-Certainty-For-Your-Loved-Ones#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Life Insurance](https://www.sutherland-scherff.com/blog/topic/life-insurance) ## [California Life Insurance: Should be Tailored To You](https://www.sutherland-scherff.com/blog/bid/61953/California-Life-Insurance-Should-be-Tailored-To-You) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 1, 2011 at 10:18 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462355-jpg/images/california_life_insurance_tailored_to_the_individual.jpg) ](https://www.sutherland-scherff.com/blog/bid/61953/California-Life-Insurance-Should-be-Tailored-To-You) For those sensible people among us, [life insurance](https://www.sutherland-scherff.com/personal-lines-copy-0/ca-life-insurance/) is something we all take out at some point. But is there a standard formula for **life insurance premiums**, or do Californians need to speak to a professional for advice? Is it better to take out term or w**hole life insurance**? We examine the factors.  [Read More](https://www.sutherland-scherff.com/blog/bid/61953/California-Life-Insurance-Should-be-Tailored-To-You) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/61953/California-Life-Insurance-Should-be-Tailored-To-You#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Life Insurance](https://www.sutherland-scherff.com/blog/topic/life-insurance) ## [Business Owners Insurance Policies Clarified](https://www.sutherland-scherff.com/blog/bid/59388/Business-Owners-Insurance-Policies-Clarified) Posted by [Scherff Scherff](https://www.sutherland-scherff.com/blog/author/scherff-scherff) on July 11, 2011 at 7:57 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462047-jpg/images/business_owners_insurance_policies_clarified.jpg) ](https://www.sutherland-scherff.com/blog/bid/59388/Business-Owners-Insurance-Policies-Clarified) If you own a local business in California, you’re probably already aware of the complicated nature of properly **protecting your business from financial loss**. Luckily Sutherland-Scherff is here to help make the process of organizing your **business insurance** that much easier. One of the more common types of business insurance is a business owners policy, which can be compared to a homeowners policy, but for your business. [Read More](https://www.sutherland-scherff.com/blog/bid/59388/Business-Owners-Insurance-Policies-Clarified) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/59388/Business-Owners-Insurance-Policies-Clarified#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance) [All posts](https://www.sutherland-scherff.com/blog/all) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - [Business Insurance (28)](https://www.sutherland-scherff.com/blog/topic/business-insurance) - [Auto Insurance (22)](https://www.sutherland-scherff.com/blog/topic/auto-insurance) - [restaurant insurance (22)](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) - [Home Insurance (17)](https://www.sutherland-scherff.com/blog/topic/home-insurance) - [Building Insurance (12)](https://www.sutherland-scherff.com/blog/topic/building-insurance) - 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