School Of Rock School Safety Tips

back-to-school-183533_1280Personal Insurance and Safety Update

Summer vacation is over and the school bells are ringing to mark a new school year. We will soon start to see the signs of back to school time, including more school busses on the road, and back to school displays in the stores.  Now is the time to start thinking about keeping your child safe.  This is particularly true for kids going to school for the first time, or going to a new school.

  • Make sure your children know their home phone number, address, how to get in touch with their parents at work, how to get in touch with another trusted adult, and how to dial 9-1-1.
  • Remind your child not to walk, run, or ride his bicycle down railroad tracks. It’s illegal and dangerous.
  • Teach children not to talk to strangers or accept rides from someone they don’t know.
  • If your children walk to school, complete the walk a few times with them.
  • Make sure that your teen driver understands and obeys all traffic laws.
  • Bright colored clothing will make your child more visible to drivers.
  • Bike riders should always wear a helmet.
  • Children should always board and exit the bus at designated locations that provide safe access to the bus or to the school building.

Are You Driving In A School Zone?

  • In a school zone when flashers are blinking, stop and yield to pedestrians crossing the crosswalk or intersection.
  • Obey school zone speed limits.
  • Watch for kids crossing the streets.
  • Never text and drive.
  • Never pass a vehicle stopped for pedestrians
  • Follow all laws pertaining to school buses.

Sources; American Red Cross, D.A.R.E. and National Safety Council

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.

What Will A DUI Really Cost Me?

mf-policeHidden Costs of a DUI

Driving drunk is dangerous to you and others on the road. A DUI is very expensive and could result in your insurance being cancelled. But the loss of your auto insurance may be the least of your worries. The financial toll of a conviction will play out for years to come, and in many states, that can add up to $20,000 before everything is over.  Costs can include bail, fines, legal fees, increased auto insurance premiums, loss of work income, court-ordered alcohol education programs, and more.

If you get a DUI, we will do everything we can to help you manage your auto insurance and other related issues.  However, please, do not put yourself into that position.  Here are some general expenses related to having a DUI on your record.

  1. License suspension
  2. Increase in auto insurance rates, (could add up to over $10,000 over five years)
  3. Attorney’s fees
  4. Court fees
  5. Loss of job
  6. Periodic blood testing
  7. Loss of reputation
  8. DUI classes
  9. Installation of an ignition interlock devise on a car
  10. Time in court
  11. Possible jail time depending on conviction type

“The financial impact of a DUI arrest on any one person can vary greatly depending on many factors, such as driving record, jurisdiction, blood-alcohol level, attorney fees and fines, not to mention the specific circumstances of the incident and whether there was an accident or if anyone was injured.” Craig Gullkot; Bankrate

Our agency has a long history of proudly serving your area as an Independent Insurance Agency and representing some of the best insurance companies in the business. North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.

 

Your North Bay Business Can Not Afford Shut Down

business-owner1A Business Insurance Update

Have you considered the cost to you if your business had to shut down for a week, month, or even longer?  We have, and we can offer a few tips to help your business continue even in the midst of a shut down.

A business can be shut down for a number of reasons. Your business or commercial insurance policy will cover the cost to repair or rebuild your building, and replace business property.  But are you protected if it takes time to re-open? Business Interruption Insurance keeps you financially stable during the period that you are forced to vacate.  You can continue to provide your employees with pay, and manage bills during the period in which the business cannot operate.

When considering business income, you also need to determine if you have certain risks that would require specific limits within the overall coverage. If these are not managed correctly, you may suffer a loss and not have enough insurance to ensure your recovery.

Business Income Insurance

  • Peak Season – If your business has seasonal income, you will want to adjust your policy accordingly. Don’t just average your income out over 12 months; that may not be adequate coverage.
  • Period of Recovery – When you consider your recovery time, (the amount of time to fully resume operations) you may need to take into account any special construction needs. For example, you may have unique equipment that will take several months to design and construct. Knowing this will help you design your coverage to meet your needs.
  • Payroll coverage–Under this coverage, you can select who you want to offer payroll continuation to. However, you must do this prior to the loss.  You can also add categories of workers and even managers.

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.

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At North Bay Insurance Brokers, We Care About You

business-owner1

Why selecting your agent is more important than selecting your insurance company

Many buyers of home insurance, auto insurance, business insurance, or motorcycle insurance don’t spend enough time selecting their agent. But they should. Personal or business insurance agents are your advocate in all areas of the insurance buying process. Your agent is also there to help you if, and when, you have a claim.

We don’t work for any one insurance company. We have access to many markets, giving us the ability to match your insurance needs with the best company and product.

Traits of Effective Insurance Agents

  • They have licensed and experienced staff. Our staff completes regular training on all the insurance products you need.
  • People skills. Your agent should be able to listen to you and then deliver solutions to meet your needs.
  • Your agent should educate you. A good agent will take the time to educate you on how insurance works and make sure all your questions are answered.
  • Locally owned. It is always better to buy personal insurance and business insurance through a local agent. You can stop by our office anytime and meet the team that services your account.
  • Great customer service. If you ever have a question about your insurance, you should be able to call your agent and get an answer. Your agent should recommend new products that protect you for loss, like identity theft insurance.
  • Your agent should provide a variety of products.You should also be able to get a better deal by handling most, or all, of your home insurance, auto insurance and RV insurance needs through one agency.

As an independent insurance agent we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market.

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.

Most Businesses Can’t Survive Any Interruption

A North Bay Business Insurance Update

Have you considered the cost to you if your business had to shut down for a week, month, or even longer?  We have, and we can offer a few tips to help your business continue even in the midst of a shut down.

A North Bay business can be shut down for a number of reasons. Your business or commercial insurance policy will cover the cost to repair or rebuild your building, and replace business property.  But are you protected if it takes time to re-open? Business Interruption Insurance keeps you financially stable during the period that you are forced to vacate.  You can continue to provide your employees with pay, and manage bills during the period in which the business cannot operate.

When considering business income, you also need to determine if you have certain risks that would require specific limits within the overall coverage. If these are not managed correctly, you may suffer a loss and not have enough insurance to ensure your recovery.

Business Income Insurance

  • Peak Season – If your business has seasonal income, you will want to adjust your policy accordingly. Don’t just average your income out over 12 months; that may not be adequate coverage.
  • Period of Recovery – When you consider your recovery time, (the amount of time to fully resume operations) you may need to take into account any special construction needs. For example, you may have unique equipment that will take several months to design and construct. Knowing this will help you design your coverage to meet your needs.
  • Payroll coverage–Under this coverage, you can select who you want to offer payroll continuation to. However, you must do this prior to the loss.  You can also add categories of workers and even managers.

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.

 

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