California Insurance Specialist

Contact California Insurance Specialist

Marcette Luckner, BSBM, Lic #0E78611
Independent Broker for Orr & Associates Insurance
28780 Single Oak Dr #255
Temecula CA 92590
Ph: 877-257-1652
E-Fax: 206-312-1615
Email: mluckner@orrandassociates.com

Companies Represented Include:

ACE, ACIC, ADMIRAL, AETNA, AIG, AMERICAN MODERN, AMERICAN SAFETY, APPLIEDUNDERWRITERS, ARCH SPECIALTY, ASPEN, ASSURANCE, AVIVA, AXIS, BANKERS, BENCHMARK,BERKSHIRE, BLUECROSS, BLUESHIELD, BURLINGTON, CALIFORNIA CHOICE, CATLIN, CBIC, CENTURY NATIONAL, CENTURY SURETY, CNA, COLONY, COMMERCE WEST, DELOS, ENDURANCE, ESSEX,EVANSTON, EVEREST, EXPLORER, FIDELITY NATIONAL, FIREMANS FUND, FIRST FINANCIAL,GEMINI, GOLDEN BEAR, GOLDEN EAGLE, GOLDEN WEST, GRANITE STATE, GREAT AMERICAN,GUARDIAN, HANOVER, HARTFORD, HCC, HEALTHNET, HOUSTON CASUALTY, HUDSON, INDIAN HARBOR,JAMES RIVER, KAISER, KEMPER, LANDMARK, LEXINGTON, LIBERTY, LINCOLN GENERAL, LLOYDS OF LONDON, MARKEL, MAXUM, METLIFE, MIDWEST, MT HAWLEY, MT VERNON, NATIONAL UNION FIRE,NATIONWIDE, NAUTILUS, NAVIGATORS, NCIC, NIC, NORTH AMERICAN CAPACITY, NORTHFIELD,ONEBEACON, PACIFICARE, PEN, PENNSYLVANIA, PHILADELPHIA, POTOMAC, PRAETORIAN, PREFERRED CONTRACTORS, PROBUILDERS, PROGRESSIVE, REDLANDS, REDWOOD, RLI, RSUI, SAFECO,SCOTTSDALE, STATE FUND, ST PAUL, SUA, TOPA, TOWER, TRAVELERS, UCIC, ULLICO, VICTORY, VIRGINIA SURETY, WESTERN HERITAGE, ZENITH, ZURICH.

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Understanding How Commercial General Liability Insurance Works

Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a covered business in a covered liability claim or lawsuit. Covered liability claims most of the time include bodily injury, property damage, personal injury and advertising injury (damage from slander or false advertising). The insurance company also covers compensatory [...]

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Worker’s Comp Payroll Alternatives

Recently I wrote about workers comp and discussed the difference between Independent Contractors and Employees as it relates to whether an employer should be paying workers compensation premiums. As previously mentioned, you may need to consult with an attorney in order to get more detailed legal advice. [...]

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Aging and Obesity in the Workplace and How it Relates to Workers Comp Claims

We all know that injuries at work result in claims against your workers comp policy, so the question is how you and your employees can reduce the odds of those claims. Some main culprits relating to workers comp claims are back pain and carpal tunnel. Back pain can be caused by a variety of issues: [...]

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