We Offer Insurance For Wineries That is a Good as The 1988 Pinot Noir

grapes-1611089_640As a winery or vineyard owner, you know there is much more to making fine wines than simply growing grapes. You work hard to grow, blend and produce the best possible quality you can. Large or small, the unique risks confronted by vintners requires customized winery insurance solutions.  North Bay Insurance Brokers is well-versed in the unique needs of wineries, vineyard owners and vineyard managers and can provide you with the expertise required to meet your needs.

Most traditional insurance products don’t respond the needs of farm, winery, and ranch operations. These can include; special farm equipment, manufacturing equipment, stable liability, dairy exposure, cattle and other livestock mortality exposures, high valued homes, livestock breeder’s floater to name just a few. Farms are exposed to unique additional exposures including, pollution and agritourism.

The Risks Of Wine Operations

  • Loss of crop due to weather
  • Varietals are accidently blended during the winemaking process
  • Wine is spilled during transferring or transportation
  • Visitor slips and falls in the tasting room
  • Insecticides applied in the vineyard on a windy day drift onto neighboring property.

Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At North Bay Insurance Brokers, Inc., we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

Maybe It Is Time For Insurance Buyers To Think Outside The Box

NL only 12sw12North Bay Business Insurance

The definition of incorrect thinking is to repeatedly take the same action and expect a different outcome.  As you think about your business insurance program for 2017, it is time to expect a different outcome.  This will cause you to consider different actions. To accomplish this, two things need to happen.  First, redefine how you define success in your risk and insurance program, and second, create a new set of actions that correspond to your new thinking.

Redefine Success

Under the old definition, most business insurance buyers define success as a lower premium. Therefore, the action corresponding is to get as many agents involved to create competition to lower the price.  Consequently, insurance buyers are happy if they get a 10% lower premium.  The problem with this thinking is that buyers generally do not know what they are getting for the lower premium. They may have created a big risk management issue once an un-insured loss occurs.

A New Way of Thinking

A new definition of success is to have an insurance and risk program that address the risks you have, and choose to have, insured.  Some risk you may desire to self-insure and others you may want to transfer to an insurance company.  This way, you understand what you are insuring and what you are not.

Now that I have redefined your thinking, you need to create a new set of actions. Just bidding out your insurance to get the lowest price will not work anymore.  You need to select an experienced and qualified agent that has the experience to educate you on your risks. The second action is to select an insurer that understands your industry.  For example, some insurers are better at underwriting the hospitality industry, and others are better at manufacturing, and so on.

Call a few agents, interview them, get their qualifications, and ask them how they would design a program for your business.  Start to think differently and you may get different and more effective results.

At North Bay Insurance Brokers, Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom

 

OSHA’s New Anti-Retaliation Rule Will Impact North Bay Businesses

The Occupational Safety and Health Administration (OSHA) recently instituted new electronic injury reporting and anti-retaliation rules.  The anti-retaliation provisions are part of a broader record-keeping rule that will require certain businesses to submit electronically all injury and illness data—some of which will be available to the public on the agency’s website.

The rule also prohibits employers from discouraging workers from reporting an injury or illness. The final rule requires employers to inform employees of their right to report work-related injuries and illnesses free from retaliation, which can be satisfied by posting the already-required OSHA workplace poster.

Here are some of the important aspects of the new rule

  • Employers must provide anti-retaliation training.
  • Have procedures for reporting injuries and illnesses that are reasonable and that do not deter or discourage employees from reporting.
  • Employers will need to develop a system, or process, for responding to, and resolving, employee concerns.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, Inc., we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

North Bay Insurance Brokers, Inc. provides industry-specific insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.

 

The Best Revenge Is to Be Healthy

2017 is here and now is the best time to get healthy, or recommit to staying healthy.  Health should be number one on your priority list, and our agency can be an active part of that.  This is also the time of the year for lists, and we thought it would be fun to share some examples of New Year’s resolution lists for a healthy 2017.

Our team wants to help you make 2017 a healthy year, so we came up with our own list to help you have a healthy new year.

  • Stop smoking. There are many great resources to help you. Here is one: A free, phone-based service with educational materials, coaches, a quit plan, and referrals to local resources to help you quit tobacco use.1-800-QUIT-NOW
  • Consider Life Insurance. A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At North Bay Insurance Brokers, Inc., we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.
  • Get plenty of sleep. Sleep is important for people of all ages to stay in good health.  Read more here
  • Drink more water. No matter where you are, water should always be the first thing you reach for when you’re thirsty. Water truly is essential.
  • Reduce the amount of sugar. Here are some of the ways eating less sugar can help you. Click here
  • Take more walks and increase your exercise routine. The health benefits of regular exercise and physical activity are hard to ignore. Learn more, click here
  • Reduce the amount of processed foods you eat. In addition to chemicals your body doesn’t need or want, processed foods are full of added salt. Higher salt intake puts you at risk for high blood pressure.

Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At North Bay Insurance Brokers, Inc., we’ll work with you to keep your family protected in the event of your untimely death.

What’s In Your Wallet? An Insurance Card From North Bay Insurance Brokers

North Bay Personal Insurance Update

As we begin a new year, one thing on most people’s “to do list,” is buying home insurance and auto insurance.  When it comes to personal insurance, you want to be adequately covered if you do have a claim, but you do not want to pay more than you should.  We recommend that you call us before your personal insurance policies renew, so we can shop the market and compare options for you.

  • Review your deductibles and limits – Are they adequate for your needs? Are you using your personal vehicle for Uber, deliveries, or other commercial use?  If so, your vehicle may not be covered.  Are you renting out part of your home?  Again, you may need to adjust your coverage.
  • Use an independent agent – Independent agents can access many different insurance companies and select the one that offers the best combination of coverage, service, and pricing.
  • Do not buy insurance on the internet – Call us so that we can provide you with outstanding service along with competitive pricing.
  • Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  • An umbrella, or “excess,” policy kicks in where your liability coverage for your auto and home ends, and is a necessity if you have any assets to protect. A $1 million umbrella is common, but $2 million is more realistic these days.
  • Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident.
  • Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  • Bundle your insurance – Combine your auto, home, and umbrella policies with one insurer to receive greater discounts.
  • Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident.
  • Consider identity theft coverage – Identity theft is one of the fastest growing crimes in the U.S.
  • Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.

As a locally owned and operated insurance agency in Sonoma, California, North Bay Insurance Brokers, Inc. is committed to providing quality insurance products for individuals and businesses. We combine our strong insurance background and product knowledge to assist both current and future clients in managing and planning for all types of risk.

Go Where The Pros Go… North Bay Insurance Brokers

A Business Insurance Update

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These claims could include bodily injury and property damage. Professional Liability insurance, also called Errors and Omissions insurance, protects against a claim from a third party who suffers a financial loss because of services or actions.  Any individual or business in a profession that provides advice, expertise, recommendations, or a professional service to customers, clients, or another party, would benefit from Professional Liability insurance.

Typically, professionals such as doctors, accountants, nurses, insurance agents, lawyers, and architects purchase Professional Liability insurance. However, if you have clients who are in the business of providing advice, opinions, or services, they should consider Professional Liability insurance.  Professionals who provide advice are expected to have knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired according to the standards of conduct in their profession.  Businesses and individuals can be held legally responsible for any financial loss caused.

It’s important to note that almost all Professional Liability insurance policies are sold on a “claims-made” basis. This means that the insurance only covers work performed while the policy is in force, and for claims actually filed during the term of the policy. Professional Liability insurance is offered in many different forms that protect many kinds of firms.

If someone feels he or she has suffered loss or damages due to a professional service, often their next action is a lawsuit.  These kinds of actions can be costly and severely reduce a firm’s resources. Professional Liability insurance can help preserve assets and more importantly help preserve the firm’s reputation.

North Bay Insurance Brokers, Inc. provides industry-specific insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, Inc., we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

 

Top Risk Managers Provide Workers Compensation Insights For North Bay Businesses

North Bay Insurance Brokers Risk Management Update

Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been tracking these tips over the past year and thought we might share a few of them with you.

  • Trip and fall injuries from Disney – With the millions of people and employees walking around their parks, Disney protects itself by making sure all walkways are clean and clear of hazards. Having well lit parking and sidewalks can also cut down on accidents.
  • Home Depot prevents back injuries – Most Home Depot employees use a flex back type of product that provides support for employees while lifting and stretching. Offering safety equipment to employees that need it can reduce sprains and strains.
  • Safe driving from FedEx – FedEx delivers millions of packages every day and uses over 90,000 vehicles to do it. The best way to prevent auto accidents is education and training. Every driver should be trained in the following areas; driving in adverse weather, distracted driving, vehicle inspections, driver wellness, and hazardous materials safety.

Having the right Workers Compensation plan from North Bay Insurance Brokers, Inc. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at North Bay Insurance Brokers, Inc. who can help you find the right coverage options for all your business needs.