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Vigilant Defense Insurance Services, Inc provides commercial insurance services and business solutions for California blue collar businesses.
Workers’ Compensation
Workers’ compensation issues can cripple your business.
Wage And Hour
These disputes regarding payment for hours worked, overtime, meal, rest breaks, and other wage-related matters.
Business Insurance
Business insurance serves as a crucial safety net, protecting your California business.
At Hughes insurance services, our purpose is to help guide our clients to the ideal workers comp solution for them at the current stage of their business. We are hyper focused on the ideal solution that provides not only the appropriate workers comp coverage, but also ties in with other functional areas of their business. We keep in mind deposit requirements, workers comp deductibles, potential workers comp dividends. Worker’s comp is not a simple one size fits all solution. We are blessed to have relationships with dozens of workers comp carriers, so we can find the ideal solution for our clients.
We are problem solvers.
Vigilant creates a defensive perimeter around your business for a layer of protection from workers’ compensation and wage and hour disputes that often turn into PAGA suits. We offer proven defense strategies that can protect your business from even the most nefarious predators in the California market – California employee litigation and plaintiff attorneys.
Vigilant Defense Insurance Services Inc. – Protecting What Matters Most!
- Food and Beverage
- Construction Trades
- Manufacturing and Distribution
- Transportation & Logistics
- Last Mile Delivery
- Janitorial
- Nursing / Medical Care
- Staffing
We believe that our customers’ experiences and feedback speak volumes about the quality and effectiveness of our services.
Alex has been our insurance broker for several years now and we appreciate his help with our workers comp, payroll and HR stuff.It is nice to have a guy to call when we have questions. He has been there for us.
Baldeep Dhindsa
RTL Trucking Inc.
Alex is the kind of guy you follow around no matter who he’s working for because he personally makes sure to get the work done, regardless of what is in his job description. I’ve been taken care of since I first started my business and he’s made sure to give me updates and reminders every step of the way so I always stay on track and know what’s going on. When he said he was starting his own company I immediately jumped on board and know that the standard will be even higher with him at the helm. Insurance is one of the most overlooked things in starting a small business but it’s also one of the most important. I know Vigilant has my back and it’s the first thing I bring up any time someone I know talks about starting a business of their own.
Tony Howe
Scratch House
Alex is our guy for our insurance needs and a lot more. We know he will be able to help us no matter what the problem. We operate in a complicated industry and need answers right away. We are thankful for Alex and his team of people.
Kevin Dhaliwal
JN Transport
5 WAYS TO GET VIGILANT ABOUT YOUR WORKERS COMP
Vigilant Defense Insurance Services provides commercial insurance services and business solutions for California blue collar businesses. As of 2023, there are 4.25 million small businesses in California. Small businesses represent
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Our team will provide you with insurance solutions tailored to your unique business situation and requirements
Check out our frequently asked questions (FAQ) ensuring that you have the necessary information at your fingertips.
Do I need workers comp for my business?
Yes. If you have employees in CA, you are required to have workers comp insurance.
How can I make my workers comp less expensive?
Generally, you will need to show that you run a safe operation, find a worker’s comp carrier that will pay attention to your safety practices and likes your industry.
What is my Ex-Mod?
Your Ex-Mod (Experience Modification) is a statistical model that compares your actual losses to your expected losses. Your Ex-Mod is a significant variable in determining your overall workers comp rate.
How can I lower my Ex-Mod?
Implement safety practices to reduce the number of claims and manage any claims effectively to reduce the overall costs and close the claim ASAP. Avoiding expensive and time-consuming litigation on claims is essential.
What is a wage and hour claim?
A claim filed by an employee alleging non-compliance with California labor codes. These claims can be for unpaid meal or rest break, overtime, unpaid time for training, travel or meetings, minimum wage violation or pay stub violations. Wage and hour claims can easily become PAGA claims.
What is a PAGA claim?
PAGA (Private Attorney General Act) is a vehicle for California employees to file a claim against their employer that basically becomes a class-action lawsuit. A single alleged claim can become an extremely expensive PAGA suit that can last years and cost hundreds of thousands of dollars.
How can I protect my business?
As a California employer, you are ALWAYS at risk. An employee can always file a claim. But, you can protect your business by shoring up your employment practices including a well crafted and current employee handbook, sound employment practices, effective open communication with the workforce to seek out issues and address them honestly and quickly, and doing your best to comply with California employment laws.
Is there Specifically Designed Insurance for My Business?
Absolutely. There are dozens of lines of insurance that can effectively protect your business. These vary depending on your industry, location, size of business, type of business, assets and other factors.
What is covered in a BOP (Business Onwer's Policy)?
A BOP combines business property insurance and liability insurance. This is a smart first step for businesses with property/equipment and liability as from their operations.
What types of commercial insurance policies are required when running business in California?
A BOP combines business property insurance and liability insurance. This is a smart first step for businesses with property/equipment and liability as from their operations.
Contact us for consultation
We help blue - collar businesses reduce workers comps expenses
