ROMAN EMPIRE INSURANCE
Insurance insights
Browse common questions about business, property, auto, and workers’ compensation.
WORKERS’ COMP AUDITS
Workers’ Comp Audit Bill Too High? What a Review Can Change
An unexpected audit bill deserves a closer look. Learn what our Burbank agency reviews and when a supported correction may reduce what you owe.
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Does Overtime Count in a California Workers’ Comp Audit?
Learn which part of overtime pay counts in a California workers’ comp audit and what records can support an adjustment to the payroll calculation.
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Understanding Insurance for Condominium Associations and Homeowners Associations
Associations need to understand how the master policy, governing documents, and individual unit owner policies work together.
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Apartment Building Owners Insurance
Owning rental property creates property and liability exposures that vary by building and tenancy.
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Commercial Auto Insurance in California
Business vehicles need coverage suited to how they are owned and used.
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Why Work With an Independent Insurance Agency?
An independent agency can help compare options from more than one insurer.
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Do I Need Insurance on a Car I Don’t Drive?
The right answer depends on registration, use, financing, and the protection you want to keep.
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Business Interruption and Lost Income
Business income coverage may help after a covered property loss interrupts operations.
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What to Do After a House Fire
Safety comes first, followed by prompt notice to your insurer and documentation of the loss.
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Driving Safely Around Large Trucks
Large trucks have longer stopping distances and significant blind spots.
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Why General Liability Premiums Can Change
A general liability renewal can change as operations, sales, payroll, claims, or rates change.
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How Much Home Liability Coverage Do I Need?
Home liability limits deserve attention alongside dwelling and personal property coverage.
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Why Continuous Auto Coverage Matters
A lapse can create legal, financial, and future insurance consequences.
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Workers’ Compensation and Workplace Fights
Injuries from a workplace altercation raise fact specific coverage questions.
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Does Commercial Auto Cover Storm Damage?
Physical damage from weather may be covered when a policy includes the applicable coverage.
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