Author: Robert Kelly

As a Certified Authority in Workers Compensation (CAWC), Robert specializes in helping clients who are struggling with high experience modification ratings, unsatisfactory claims outcomes, and overpaying for their insurance premiums. Today, he serves a client base comprised of manufacturers, contractors, wholesale distributors, restaurants and technology accounts, ranging from 50 – 1,000 employees. Robert began his insurance career at Liberty Mutual in 2006. During this time, he gained an insider’s knowledge of how insurance companies operate – a unique perspective that aids him immensely in his current position as an independent agent with Arroyo Insurance Services for the past seven years. Professionally, Robert is a member of the South Bay Chapter of Bruin Professionals, along with the Long Beach Chapter of PIHRA. He graduated in 2006 from UCLA with a Bachelor of Arts degree in English Literature.

General Liability vs. Workers’ Comp: What’s the Difference for California Employers?

General liability and workers’ compensation are two separate policies that protect against two completely different risks. General liability covers situations where someone outside your business gets hurt or their property is damaged. Workers’ comp covers situations where someone inside your business, specifically an employee, gets hurt on the job. Confusing the two, or assuming one […]

California Workers’ Compensation Laws: What Employers Must Know

California workers’ compensation laws are among the strictest employer mandates in the country. Every employer with at least one employee must carry coverage. The state’s Division of Workers’ Compensation (DWC) oversees a system built to protect injured workers and give employers a defined legal framework for handling claims. Getting it wrong is costly: civil penalties […]