Reduce Your California Auto Insurance Premiums

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Auto Insurance

When it comes to purchasing California auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service. Our goal is to provide the best possible combination of auto coverage, pricing and service.

California Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  2. Have your student get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. The more expensive the car the higher the premiums. Check out which cars are popular with thieves.
  4. Be a safe driver. The more accidents and ticked you get the higher the premiums will be.
  5. Purchase a car with an alarm or Lojack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.
  8. I you have a company car and only own one personal auto you can get a multi car discount even though you only own one car. This discount is 30%.
  9. If you are a member of the Farm Bureau or a specified profession (we have a list), business owner or college graduate you can qualify for a 12.5% discount
  10. Don’t forget the multi policy discounts that can go as high as 25%.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs. 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

Common Business Insurance Gaps … That Cost You

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Business Insurance

According to the latest surveys by major insurers, small to medium sized California businesses have a number of critical gaps in their insurance coverage. The reasons for gaps vary; not fully understanding how certain coverage applies to their business, buying commercial insurance from a captive agent who can’t provide the coverage, thinking their commercial coverage provides the coverage, and finally believing they don’t have the risk.

Business Insurance For Your Organization 

Here are the coverage’s you should consider to make sure you are adequately protected.

Pollution Liability- Protects against the liability that comes with polluting the environment including restoration and cleanup, liability for injuries and deaths caused by pollution.

Cyber Liability- Cyber liability is 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.

Directors & Officers Liability– Covers costs, damages, and defense protection to directors and officers of a company resulting from law suits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Employment Liability– Employment Liability 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 that is designed to cover third party claims, damages and claims arising out of providing professional advice.  Many firms create legal obligations arising out of a professional’s errors, negligent acts, or omissions during the course of providing services to clients.

We are ready to help you better understand your risks. In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At North Bay Insurance Brokers, Inc., we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

Think A Breach Only Happens To Large Companies?

As a business professional, your laptop or smartphone is more than just a tool—it’s a treasure trove of personal client information. But when all that information is on the road with you, it can go from “in the passenger seat” to “in the wrong hands,” in an instant. And your next lunch meeting or trip to the grocery store could result in a data breach that shatters your business’s reputation.

 

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Benefits of Working with an Independent Agent

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There are many reasons why you buy home insurance, auto insurance or business insurance. But the bottom line is that you buy personal insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

Why Independent Agencies Are Better

When you purchase insurance through an independent agent like North Bay Insurance Brokers you are working with a licensed professional who specializes in the products and services you need. Independent agents are local business owners who employee your neighbors to serve your needs.

Benefits of Working with an Independent Agent

  1. We represent many different markets. This allows us to bring you the best possible combination of coverage, price and service.
  2. We are there to handle your claims. We will help you through the claims process.
  3. We have the services you need. We offer prompt and professional insurance services. You don’t get a recording or someone in another state. We care about you and will help you solve your problems.
  4.  We are experienced. Our staff completes regular training on all the insurance products you need.
  5. Locally owned. Our agency is locally owned and operated. It is always better to buy local. You can stop in our office anytime and meet the team that services your account.
  6. Working through an independent agent does not increase your premiums.
  7. All your home insurance, auto insurance, RV insurance and business insurance can be handled in one place.

At North Bay Insurance Brokers, Inc., we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

 

 

 

 

Cyber Risk Risks Are Real

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California law requires a business or state agency to notify any California resident whose unencrypted personal information, as defined, was acquired, or reasonably believed to have been acquired, by an unauthorized person. The cost to California businesses can run as much as $250 per individual breach.

Cyber Risk Prevention

According to IT Business Edge, 50% of businesses listed cyber security as one of their top five business risks. “With the revelations of the National Security Agency (NSA) surveillance program and retail store Target’s breach of confidential credit card information, this heightened awareness has been justified and provided warning of the need for awareness and mitigation of this risk.” Kachina Shaw

Cyber Risk Insurance

Cyber liability coverage (for data breaches) has evolved from just insurance for information technology companies to coverage that nearly every kind of business should have – if they don’t already. From retailers, banks, contractors, distributors, restaurants and medical offices, many businesses are unaware of the severe data breach exposure they face. In short, any business not making an effort to protect personal private information is seriously out of step with the emerging landscape of privacy law. North Bay Insurance Brokers can provide your firm with the right combination of pricing and coverage. Cyber risk insurance is available at very reasonable premiums. Many of our companies offer coverage to help protect your business from loss.

Cyber Risk Prevention

  • Do not use the same password for your accounts, important accounts such as online banking, financial services or online purchases with your credit should have different passwords.
  • Install security software that is designed for your specific business.
  • Only connect to the Internet over secure, password- protected networks.
  • Don’t collect information that you don’t need.
  • Reduce the number of places where you store information.
  • Only connect to the Internet over secure, password- protected networks.
  • Don’t store important information on lap-tops.
  • Password protect your important documents.
  • Review bank and credit card statements monthly.
  • Having the company’s database on a different web server than the application server.
  • Never email information on an unsecured Wi-Fi  network.

If you have a standard business policy you may not have the right kind of coverage. Let us work with you to provide the right coverage. When you work with North Bay Insurance Brokers, Inc., you’ll experience the exceptional service and attention to detail that you can only find with an independent insurance agency.