Big Risks Come In Small Packages

Many think that operating a small North Bay business has little or no risk. The fact is, operating a small business has just about the same risks as any other business.  Employees can still sue you, you can cause injuries to your customers, and your building can burn just like a big business.  General liability risk is very real for small businesses and it is important to have a business insurance program that addresses these issues.

To protect a small business from potential lawsuits, liability insurance is necessary. Policies vary greatly, and they cover different classifications of risks for varying costs.

Commercial General Liability Insurance covers claims from accidents, injuries, or negligence when the business is at fault.  Small businesses may face a wide array of damage charges. Personal injuries, property damage, libel, and slander are just a few examples.

Product Liability Insurance covers legal fees for litigation involving a faulty product.  It also covers any personal or property damage charges caused by the defective product.

Employment Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees.  It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability Insurance pays for damages caused by services.  It is also called errors and omissions coverage. This is for companies that market a service instead of a product. For example, professionals in medical clinics must have medical malpractice coverage.

Cyber Liability Insurance covers the risk posed by conducting business over the Internet, over other networks, or using electronic storage technology.  It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

There are other types of insurance designed for specialty businesses. For example, there are special policies for companies involved only in internet sales.  The nature of the business determines what type of coverage is necessary.

North Bay Insurance Brokers, Inc. provides insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas. No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. North Bay Insurance Brokers, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business.

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.

 

Why You Should Love North Bay Insurance Brokers

North Bay Home and Auto Insurance Update

Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your personal insurance coverage, you may want to call your agent today.

When to Call Your Agent

  • When you buy or sell a car
  • If you started a home based business
  • If you are thinking about putting in a pool
  • When you purchased any high end jewelry, guns or other items
  • If you home replacement value has gone up
  • Did you get a company car?
  • If you have remolded any part of your home
  • When you install a security system in your home
  • If you get married or divorced
  • If your commute distance has changed
  • When your children go away to college

Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our agents are prepared to help you find the right combination of coverage, price and service.

At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance

Are You Smarter Than A Fifth Grader?

North Bay Personal Insurance
Our agency is committed to educating our clients on personal insurance including auto, home, boat, motorcycle, and RV coverage. We know that if you are educated about your insurance needs and understand what you are purchasing, you will make an informed decision. Auto and home insurance can be confusing, and unlike some advertisements for the mega firms, we take more than seven minutes to design and shop your coverage.

Personal Insurance IQ Test
1. Is my $3,000 diamond ring covered under my homeowner’s policy?
2. Flood insurance is not provided by my homeowner’s policy.
3. I run an auto repair shop out of my home and property. Am I covered under my homeowner’s policy?
4. If my neighbor trips on my deck and is injured, my homeowner’s policy will cover me.
5. If my auto is parked in my garage and my garage burns down, will my homeowner’s policy cover my auto?
6. If, while cutting down my tree, the tree falls onto my neighbors fence and causes damage, my homeowner’s policy will cover the loss.
7. If there is an earthquake, will my homeowner’s policy cover me?

Answers
1. No. Most policies have a limit on jewelry of $1,200; so if you have expensive jewelry, you will need to amend your policy.
2. Correct. Flood insurance is purchased separately through the National Flood Program.
3. No. If you run a business out of your home, you will need a business policy.
4. Correct. Coverage is up to the stated limit in your policy.If the accident is the result of your negligence and you are held legally liable, your homeowner’s insurance will pay for damages.
5. No. However, if your vehicle is damaged by fire and you have comprehensive coverage your auto policy will provide coverage, per the policy terms.
6. Yes. Your homeowner’s policy will cover damage you do to your neighbor’s property, again up to the policy limit.
7. No.Homeowner’s, condominium, and renter’s insurance policies typically do not cover damage caused by an earthquake, but coverage generally can be purchased as an endorsement or a separate policy.

Special Note- These examples are for reference only. All claims will be subject to your individual policy terms and conditions. These examples will not change or amend any insurance policy.

At North Bay Insurance Brokers, Inc., we combine premium auto insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs, for peace-of-mind driving assurance.

Your Vacation Road Is Full Of Twists And Turns

beach-1192125_1920North Bay Personal Insurance Update

With the summer months approaching, now would be a great time to review your homeowner’s and personal insurance program.  There is a large spike in auto accidents during June through August.  We offer a free review to assess your insurance needs, and we can recommend needed personal insurance coverage like a personal umbrella, cyber liability, and flood insurance.  Summer Risks Are Very Real.

Here are a few of the risks your family may face this summer:

  • Watercraft — Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy.  Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat.  Venture beyond the geographic limits in the policy and the insurance may be nullified.
  • Travel — If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.
  • Swimming — Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.
  • Bug Bites — If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off!  Deep Woods) for protection against mosquitoes, ticks, and other bugs.  Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.
  • Barbecuing — Never leave a barbeque unattended. Do not barbecue inside or in a garage.  If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.
  • Sunburns — Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.
  • Heat Stress — You may be having fun or working in the sun, but if it is hot, keep hydrated by drink plenty of water. Wear lightweight clothing and take breaks every hour or so.
  • Fire pits — Fire pits are becoming increasingly popular for outdoor entertaining. While some burn wood, others use propane or natural gas.  Keep kids at a safe distance and teach them that fire pits stay hot long after the flames go out.

Remember to always seek medical treatment if the injury warrants it. At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance

Has Your Life Become The Movie “Identity Theft”

girl-1064659_1920The credit card industry is growing at an unprecedented rate.  According to a recent survey, the average American household has 2.6 credit cards. People should take note that one of the most prevalent credit card scams in society today is identity theft. In fact, $16 billion was stolen from 12.7 million U.S. consumers through identity theft in 2015. What people do not realize is that having numerous credit cards can also put them at risk for identity theft.  Fraudulent activities are very prevalent in the industry and the best targets of the culprits are those who have numerous credit cards.  Becoming a victim of identity theft can be costly, time consuming, and wreak havoc on your life.

Identity Theft coverage from North Bay Insurance Brokers, Inc. is a simple and affordable way to protect you and your family from this growing threat. By adding ID coverage to your current Homeowners, Condo, or Renters Insurance policy, you’ll receive invaluable tools to help cover the costs and expenses of restoring your identity.

Included in a policy with Identity Theft protection are expenses associated with:

  • Attorney Fees
  • Costs of Certified Mail
  • Loan Re-Application Fees
  • Costs of Long Distance Phone Calls
  • Reimbursement for Lost Income
  • Costs of Executing Affidavits

Identity Theft Prevention Tips

Never give out any personal data or information over the phone; even if the caller says he is from the bank that issued your credit card and that the information gathering is just some sort of verification.

If you are offered a promotion requiring you to give some personal information, then, it would be better not to enter the promotion at all.

Do not carry all of your credit cards with you; take only the one or two that you will need. You will never know what will happen while you are in a public place, where identity theft could just be lurking around, waiting for its next victim.

North Bay Insurance Brokers, Inc. is committed to providing expert advice and quality insurance products that keep your future protected. From keeping your identity and confidential information secure to insuring your personal items under an umbrella policy, we have the solutions you’ve been looking for should theft, an accident or even a lawsuit ever occur.

 

Don’t Let Your North Bay Business Go Up In Smoke

Firemen at work on fireNorth Bay Business Insurance Update

Most every business owns business property, which may include the building in which you run your operations.  Property insurance protects the physical assets your business owns – such as computers, office equipment, buildings, furniture, fixtures, and other property.  Every business should have a comprehensive property insurance portfolio to respond to the many risks associated with property ownership.

We hope to help you indemnify a proactive plan in the event of a fire, theft, storm, or some other kind of damage that might involve your business insurance policy.  There are a number of actions you can do to help get the best possible settlement from the insurance company.

Pre-Loss Practices

  • Maintain vital records
  • Have photos of all buildings, major equipment, etc
  • Blueprints- keep complete sets
  • Keep at least 5 to 10 years of financial records
  • Appoint key individuals as communicators
  • Have emergency response plan
  • Secondary locations identified

During The Loss

  • Notify the insurer
  • Protect the property
  • Track claim costs
  • Separate budget line items
  • Keep records of all internal and external costs
  • Make temporary repairs
  • Communicate with insurer as to the use of any consultants
  • Meet regularly with the agent and Insurer
  • List and address key issues and concerns
  • Note any changes from original design
  • Will you rebuild or not?
  • What might cause delays?

North Bay Insurance Brokers, Inc. provides insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas. No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. North Bay Insurance Brokers, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business.

 

 

You Grow The Crops… North Bay Insurance Brokers Protects Your Investment

reims-1254782_1920As an owner of a California winery, farm or ranch you want to have the confidence that your operation is covered by a business insurance policy that addresses your specific insurance needs. Agribusiness is unique and we understand that.

Most traditional business insurance products don’t respond to the needs of farm and ranch    operations. These needs can include; special farm equipment, equine property, crops, expensive wine and other livestock exposures, high valued homes, livestock breeders floater, and much more.

California Insurance Solutions

  • Comprehensive agriculture insurance that spans all major lines of property and casualty
  • Replacement cost on buildings
  • Farm machinery, irrigation equipment and livestock
  • Coverage for necessary increases in living expense
  • High level of technical agribusiness expertise and agency automation
  • Special farm & ranch endorsements unique to our markets
  • Crop insurance
  • Seasonal farms and secondary properties

 

As a winery or vineyard owner, you know there is much more to making fine wines than simply growing grapes. Viticulture, oenology, equipment management, staffing, marketing and insurance are all integral components of a sophisticated operation. Large or small, the unique risks confronted by vintners require customized 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.