WCICYT: Two GREAT Connectors!

HELLO Connectors!  This week in "Who Can I Connect You To?"

This week, I'll do my usual list of connections, and introduce to you 2 GREAT connectors who helped me here in Mill Valley.

My Realtor Beth Brody (beth.brody@compass.com onlyinmillvalley.com)


With her Lauren Bacall voice, Beth is a master networking on top her residential real estate expertise.  After we settled in, she immediately connected us to a cleaning service, a landscaper, a donation center (you discover a ton of things you do NOT need in a move!), and an introduction to the developer who renovated our home!   Beth continues to refer business to me, and I to her!  Can't wait to buy that income property....

I recently joined the Mill Valley Chamber of Commerce, millvalley.org  I met Jim Welte (jim@millvalley.org 415-388-9700) who not only featured ME in a Chamber newsletter but then went on to connect me to a local bni.com group, a printing company, and is helping me introduce HS kids to the trades!

If you're ever in Mill Valley, looks us up!

And, lastly, my connections made:

  • A business owner received a collections letter from the EDD.  I referred him to Bob Crane of fixyourtaxproblem.com

  • Two rugby teammates, from different teams I plated with, were at the same match.  I connected them via social media, and now they're on the same club!

  • A realtor that works with Beth needed a homeowner's quote in a tough area, so I sent his client to my go to, Bob Lanier at jsquareinsurance.com

Thanks for reading, and connect well my friends!


Welcome back, Connectors! 

Welcome back, Connectors! 

Welcome back, Connectors!  This is week 6 of "Who Can I Connect You To?"

Last week's connections:

  • Connected 2 Business partners to an attorney to create a "Buy Sell" agreement

  • A SF homeowner wanted a second bid for a kitchen remodel

  • A Marin Realtor needed a painter to touch up a home for sale

  • Found a networking group for a catering company

Who can I connect you to, this week?



REVEALED: Insurance brokers and insurers with the most complaints

REVEALED: Insurance brokers and insurers with the most complaints

This is coming to America.  if you use your insurance company's app, then they ARE TRACKING YOUR DRIVING BEHAVIOR.  Currently, insurance companies can raise rates or drop you, after an accident or a traffic ticket.  Soon, they'll raise rates, or drop you, solely based on YOUR DRIVING BEHAVIOR.

Good news:  Big Brother Insurance Company will probably give the safer drivers a discount.... food for thought, but do not eat it while driving....

California Business Auto Rate Change

California Business Auto Rate Change

You have until July 26th to hold onto a decent rate for your business auto insurance.  I'm seeing 10-25% rate increases!  [Why?  Lyft, Uber, Instacart, Amazon, etc etc have INCREASED the number of vehicles on the roads.  With the "you can save XX% commercials, the insurance companies under priced and didn't anticipate the massive increase in traffic accidents.  Yes, that means you pay more....]

If you have a fleet, and think this is TOTALLY UNFAIR, contact us.  We have an driver analytics tools that could help you control you commercial auto insurance rates.

Monday Morning Blues - Client finds office Broken Into

Walking into your office Monday morning, to a broken door, broken glass, tables over-turned, and laptops and computers stolen, SUCKS.

Getting a $17,000 check for the lost equipment, with office repairs approved and a contractor ready to go, in under a week, STANDARD.  [When the claim is done right...]

The Founder rolled in about 615am. The outer building door seemed fine, it had a keycard/keypad system. But the office door on the third floor was kicked in, being only a simple glass door.  Her panic hit quick, as she had a clear view of their open workspace.  Tables flipped, chairs piled in to a corner, as if to make it easier to dash off with kit.  Anything electronic was stolen, 2 PCs, massive monitors, the printer, laptops left in cubby holes, and even the espresso machine.  Hallway video showed a that the thief followed another building tenant entering on Saturday, thus bypassing the code/keycard need.  

I was called that morning, and got the pics and list put together for the claim that same morning.  The carrier turned the claim around fast, as we had all the documentation needed.

Yes, they took the espresso machine!  

Most people believe business insurance is for lawsuits, employee injuries, or car wrecks.  Those things happen, yes.  What most business owners are not paying for, is the small coverages like the one above (BPP, or business personal property) that can help alleviate a bad situation.

What would happen if you came in this Monday morning, and saw the same thing?

My guess:  You're paying for coverages you don't need, and NOT paying for coverages you absolutely must have.  A cup of coffee, and we can determine that fast.

See you in the Rucks,



Last week, I connected

  • A retail business with a payments processor

  • Venture Capital Firm with a consultant to evaluate pitches

  • A Business Owner to a Bank Loan Officer

  • An Uber/Lyft Driver to a car dealer

  • A ScreenPrinter to a networking group

  • A book-keeper to a financial advisor

What my clients are looking for this week:

  • A commercial general contractor needs subs for a project in the East Bay

  • A residential re-modeler needs an architect

  • A retired client wants to buy an old utility van, to retrofit for Fishing

Can you help with the above?  

Or, Who Can I Connect You To?

Missing you all in the rucks,


Environmental Liability Coverage for Ongoing & Completed Operations

Environmental Liability Coverage for Ongoing & Completed Operations

If you think your contractors don’t need protection against environmental exposures, here’s a claim scenario that will make you think again!

Two years after the completion of a new high school, it was determined that the window system used during construction was allowing water to infiltrate the building. Mold was discovered. Faulty installation was part of the issue. The cost to remediate the problem was shared by the general contractor and the manufacturer of the windows. The sub-contractor who installed the windows was no longer in business. The general contractor did not have pollution coverage for mold and paid over $900,000.


I want to introduce your business, your services, to my entire network.  Who can I connect you to?

Over the last 14 years, I've connected;

  • A general contractor needed an electrician sub-contractor

  • A T-shirt printer needed a better supplier

  • A Clothing supplier wanted a larger warehouse space

  • 3 Sole Proprietors now office at WeWorks

  • Introduced a Robotics Start Up to 3 VCs

  • Referred staff (rugby players) to a restaurant

  • A new restaurant needed a general contractor for a commercial remodel

  • A client wanting a new logo, I hooked up with my graphics designer

  • Lighting company expanded to require a book-keeping service

  • Introduced a charity to a major donor

  • Connected a realtor and mortgage broker connect to run the market up here in Mill Valley

  • A PR executive wanted to learn about the transportation space, got her an expert

  • Connected an amateur sports association with a major beer sponsor

  • Connected a concrete contractor to a buildings owner

  • A architect helped another eatery with a remodel

  • A plumbing company expanded to the point of needing a mechanic to maintain her trucks

  • A gym need to remodel the locker rooms with new tile, connected them to the best!

  • ...and 100s more….

Over the next year, you’ll be receiving emails, mailers, newsletters and postcards from our various clients looking to connect with YOU!  To be a part, email us your logo and quick blurb of who you’re looking for!




Cascade Canyon's Kevin Sullivan Might Just Be the Most Interesting Insurance Guy in Mill Valley

"If I could make money playing rugby, I wouldn’t work," Cascade Canyon resident Kevin Sullivan says with a laugh. 

He's only half kidding.

But while rugby is a lifelong love (he teaches the game at San Quentin State Prison), Sullivan also readily admits that he owes the success of his Connor Alexander Sullivan Insurance Services – a crafty use of the first names of his two kids plus his last name – to the game he loves, at least in part. "I got started by helping a lot of my rugby mates, guys who are contractors, plumbers, electricians, tile guys, people who run restaurants," he says. 

"People who started their own business and think insurance is a four-letter word and wants it off their desk. I'm a business owner's insurance broker – the risk manager. I make sure your insurance works for you , protecting your business, your employees and your family when you need it most. Because an insurance policy that never pays out isn’t worth the paper it’s printed on."

A native of New Jersey, Sullivan moved to the Bay Area in 2004/ "I came out here kicking and screaming, but I loved it within six weeks. We have not yet been issued our official Mill Valley labrador retriever yet, though," he said.

While family, rugby and his insurance firm take up most of his time, he's also deeply interested in "getting young people into the trades," i.e., "when there’s 7 million high-skilled labor jobs just begging for a person to show up on time and work hard, it's a big deal. Teaching truckers to code is only said by people who don't know how to code."

PS: Big Announcement coming for March 15, and it ain't the Death of Caesar!

Drive for a living? We can get your wheels covered.

We have unique access to some of the best commercial vehicle rates in all California. No radius or unit count restrictions. New ventures welcome!

Does it have wheels? We want to see it.
Here are some sample types of vehicles we insure.


• Ag Haulers
• Car Carriers
• Caterers
• Cement Mixers
• Concrete Pumpers
• Contractors
• Couriers
• Custom Harvesters
• Dumping Operations
• Farm to Market
• Farmers
• Food Delivery
• Fuel Haulers
• Fuel Oil Haulers
• Grain Haulers
• House Movers
• Lawn & Tree Service
• Logging
•LPG, Butane & Propane Haulers
• Mobile Concessions
• Mobile Equipment
• Mobile Home Toters
• Moving Operations (no ICC filings)
• Pulpwood Haulers
• Salvage Haulers
• Specialized Delivery
• Snow Plows
• Tow Trucks
• Truckers Contingent Liability (Bobtail or Deadhead)
• Trucking
• Waste Oil Haulers
• Wholesalers & Manufacturers

Trucking Notes & Features
A broad cargo endorsement with multiple limits is available. A combined deductible is available. All risks with a principal garaging location in California falling into our Trucking for Hire class will be underwritten by a Berkshire Hathaway-owned agency, Pacific Gateway Insurance Agency.


• 4 Wheel Drive Tours
• Airport Shuttles
• Athlete Buses
• Bingo/Casino Transportation
• Charter Buses
• Church Buses
• Courtesy Autos
• Day Care Center Autos
• Dial-A-Ride
• Employee Transport
• Group Home Autos
• Head Start Program Autos
• Hotel Shuttles
• Kiddie Transport
• Limousines (All Types)
• Medical Courtesy Autos
• Metropolitan Buses
• Musician Buses
• Non-Emergency Medical Transportation
• Party Buses
• School Buses (Private or Public Owned)
• Senior Citizen Center Autos
• Sightseeing Buses
• Social Service Agencies
• Taxis
• Trolley Buses
• Visiting Nurses
• Wilderness Expeditions


• Bloodmobiles
• Driver Training Autos
• Emergency Ambulances
• Escort Vehicles for Oversized Trucking/Pilot Cars
• Fire Department Vehicles
• Funeral Vehicles
• Law Enforcement Vehicles
• Rental Operations
• Rescue Squads

Get in touch with Kevin for a quote if you drive any of the above!

Yes, we offer insurance for contractors!

We are often asked if we offer insurance for contractors such as roofers, painters, electricians, and more. Well, we've partnered with CRC and CRC Swett and are proud to bring you an exclusive and industry leading solution for your Small Contractors. CP25 provides the broadest coverage options in the marketplace, an A XV rated carrier, and industry leading claims service. CP25 delivers a program built to handle Commercial and Residential contracting risks with premiums from $5,000 to $25,000.

We are your friendly, local CRC broker and would be glad to get you started with policies starting at the low rates below.

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  • Up to $10M Lead Excess Capacity Available
  • Minimum Premium Starting At $750



  • Primary Limits of $1M/$2M/$2M Defense Outside of Limits
  • Standard Deductible of $2,500 Built-In Contractors Pollution Liability Practice Policies Only
  • Minimum Premium: $5,000
  • 100% Commercial Risks: $5,000
  • Risks With Residential Exposure: $7,500
  • Risks in CD States With More Than 50%
  • New Residential Exposure: $10,000 Maximum Exposure: $10M Gross Sales


Contact us today for a free quote!

Prevention of Sexual Abuse in Organizations

Working with youth rugby organizations has been the most rewarding aspect of "giving back" to our rugby community.  The hard part:  the realities and risks, both inside and out, of youth organizations.  Today's #metoo movement beckons us to make all environments safe.

Praesidium Inc is available to all our insureds. If you volunteer in youth sports, or are connected to another non-profit, this webinar is for you.  

Introducing RainShine

When conceptualizing the first decentralized peer-to-peer insurance blockchain protocol, we were thinking we’d not only have to build the underlying platform but also run the first insurance Tide Pool. After all, it’s not uncommon for protocols and platforms to build their own proof-of-concept vertical as well. But shockingly the Tides team has been approached by several companies looking to launch their insurance product on top of our protocol. Or maybe it’s not so shocking, given the insurance industry’s problematic high barrier to entry and archaic technology.  

We were thrilled when a veteran insurer approached us to host their latest health insurance product. Their Tide Pool is aimed at the fastest growing, yet most underserved and underinsured market in the US -- the gig economy worker. Without the buying power of traditional employers, these independent freelancers, contractors, temp-workers, and solopreneurs who not only pay for coverage out-of-pocket, but are charged 2X more for health insurance on the independent market.

Hard-working US families have seen their premiums increase by 140% over a span of just five years, now averaging $18,000 annually. There are several catalysts to this, but one driving factor has been that catastrophic-only plans became outlawed per Affordable Care Act (ACA) requirements. As of 2014, comprehensive coverage (i.e. a managed health plan for expected expenses) was a requirement of every insurance plan to those over 30 rather than lower cost catastrophic plans (i.e. opting to be covered simply in the case of emergencies).

2019 is a new year in United States healthcare; a year that brings back flexible options to health plans such as catastrophic-only coverage; a year that lowers costs by enabling risk-sharing across state lines; a year that gives “common-interest associations” the same buying power that -- until now -- employers have solely enjoyed. These are the new market conditions that give the first insurer on Tides.network the ability to launch a Tide Pool that serves this core demographic’s needs.

Introducing Rainshine Health & Disability Insurance

Rainshine is the first affordable parametric health & disability insurance offered in a peer-to-peer network for self-employed and gig economy workers. The carrier is unique in its approach to broaden coverage while keeping costs low with a three-in-one model. Their policy covers 1) health & injury conditions, 2) short term disability, and 3) long term disability. This is extremely important for gig economy workers, self-employed, and independent professionals for whom missing work due to sickness or injury means results in lost income. Additionally, Rainshine’s peer-to-peer model can return a portion of surplus unspent premiums back to members or roll them into the next policy term.

Rainshine’s method is one that only the blockchain and Tides can provide. Unlike traditional insurance, parametric insurance is a binary yes-or-no claim triggered by an adverse event, and multisig signoffs will release a single lump sum payment to cover the predetermined cost of care and lost income. Plus, the provenance of premiums paid, proof of funds & solvency, and peer-to-peer stake on memberships is natural blockchain transactional data. Tides.network handles the universal but costly traditional insurance operations -- including actuarial work, underwriting, claims, and payments -- and frees up carriers like Rainshine to concentrate on management and recruitment of members.

Started in the San Francisco Bay Area, Rainshine’s founders are Kevin Sullivan -- a 12-year insurance veteran and insurtech advisor to Plug And Play Tech Center who created six niche insurance products in amateur/youth sports, medical residents/fellows -- and disability risk management author and speaker, Maxwell Schmitz, who manages a disability & long term care insurance brokerage. He also developed a proprietary e-application system to circumvent draconian insurance customs.

The Rainshine duo is already in the process of state commissioner approval to launch their Tide Pool in January 2019 in California, one of the nation’s toughest health insurance markets, followed by other states throughout the US.

Our Tides team is extremely proud to launch the first product for such a growing segment of the market, who pay for coverage out-of-pocket and going broke by unnecessary cost burdens. We can’t wait to get Rainshine up and running on Tides.network.

Are You Too Small to be Hacked?

"Nobody is going to hack me.  I'm too small to be noticed." - Small Business Owner

Yes, you're right, Ms. Business Owner.  You are not ultimately the target.  TARGET(the corp) is the Target.

In fact, that's what happened:  a contractor who did work for a TARGET store was hacked and the hackers waited for that contractor to access the payables system to submit their work invoice.  BOOM, TARGET is hacked.

But they came through you, Small Business Owner, because you thought:

"Nobody is going to hack me.  I'm too small to be noticed."

GDPR is a big hubbabaloo about Gov't requirements to protect data.  Read about that HERE and grab the free resources

Adding Cyber, Tech E&O to your insurance is easy.  Getting sued by your own customer because you let a hacker into them, through you, is hard.

That's because you're not Nobody.  You're just small enough to hack into...