Earthquake Information… Gas Shut Off

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Manually turning off the gas service shutoff valve is the most common method to stop the flow of gas serving a building, or part of a building, in case of an emergency. Gas service shutoff valves are installed by PG&E at all gas meter locations or outside locations if the meter is not accessible from the outside.

Keep a 12 to 15-inch adjustable pipe wrench or Crescent-type wrench available to close the valve in case of an emergency. Earthquake wrenches with fixed openings may not fit a particular valve, so an adjustable type is best. To minimize the possibility of unauthorized operation of the valve, wrenches should be located nearby, but not at the gas meter location.

Shut off the gas service shutoff valve only if you smell gas, hear gas escaping, see a broken gas line, or if you suspect a gas leak.

To shut off the gas, rotate the valve a quarter turn in either direction; the valve is closed when the tang (the part you put the wrench on) is crosswise to the pipe.

In addition, most gas appliances have a gas shutoff valve located near the appliance that lets you turn off the gas to that appliance only. Know which of your appliances use gas, and where the appliance gas shutoff valves are located. In some cases, turning off the gas at the appliances shutoff valve will suffice.

Check out this You Tube video

 

Earthquake Update

 

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Important earthquake safety information:

Did you know you can have an earthquake actuated gas shutoff device installed? Some cities and counties require these already and more are expected to do so.

The State of California is required to approve all earthquake actuated gas shutoff valves used in the State of California. A list of approved valves is available on the DSA Gas Shut-off Valves Certification Program webpage:
http://www.dgs.ca.gov/dsa/Programs/programCert/gasshutoff.aspx
If you are not the do it yourself type, check out a recommended vendor:http://www.homesafety1st.com/

Cyber Liability Trends

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Cyber Liability Trends

Cyber Liability continues to be a major issue for many California businesses. Is Cyber Liability part of your Business Insurance Program? In today’s data-driven social media world, Denver businesses of all sizes have had a cyber-attack or data breach. Statistics show 40% of all cyber incidents affect businesses with fewer than 100 employees. With the recent Target breach, many individuals and businesses are considering cyber or identity theft insurance.

Hackers caused 32 percent of breach events and were responsible for 75 percent of all exposed records. Industry experts concur that these incidents can be directly attributed to increased use of malware. Healthcare was the sector most frequently breached (29.3%), followed by Financial Services (15.0%). The average cost to business per lost/stolen record was $307. Provided by NetDilgence

 Cyber Liability Examples

  • At a Blockbuster retail site, hundreds of names/addresses, dates of birth, social security numbers and credit card numbers were found discarded in a dumpster.
  • A University of Texas student hacked school network and stole 4,719 student and faculty social security numbers.
  • A hacker successfully obtains sensitive personal information from the insured’s computer system. As a result, a number of donors bring a claim against the insured for allowing access to their personal information. Total cost to business was over $75,000.
  • The insured’s Chief Customer Service Officer has his laptop stolen. The laptop contains over 100,000 donor records, including their personal contact information. Notification cost ran over $200,000.
  • An insured receives an email that appeared to be from its bank but was not. The insured’s employee opened the email, which activated a computer virus called a Trojan horse that reads key strokes from their computer. The perpetrator used this means to obtain banking and password information and initiate a fraudulent electronic wire transfer from the insured’s bank account Total loss to business was $55,000.

 

Cyber Liability Considerations

  • With more companies beginning to store information on the “cloud” there will be more universal breaches causing greater losses.
  • Cyber Liability insurance is a real option providing value added coverage and services.
  • Industries most exposed are; healthcare, medical, retail, financial institutions, technology and hospitality,
  • Cyber recovery costs are rising, even with new technology.
  • Individual states will be beefing up mandatory reporting laws and imposing fines for lack of reporting.
  • New technologies will allow cyber-attacks to come through smart phones and tablets.
  • Small businesses may be the most prone, as they have the least protection.

 

 

Cyber Liability 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. We can provide your firm with the right combination of pricing and coverage.

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.

 

Are You Interested In Reducing Your Business Risks?

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There is no question that operating a California business comes with certain risks. But there are also many benefits. The range of business threats is evolving rapidly but your organization can thrive and gain a competitive advantage if you know how to manage your risk. Here are a few simple ways to manage risk:

  1. Follow insurance company loss control recommendations. These are designed to reduce the probability of a loss and to reduce the severity if a loss occurs.
  2. Develop an employee handbook. Having a set of procedures involving roles and responsibilities will help reduce employment issues in the long term.
  3. Evaluate your facilities. Unused equipment, obsolete security systems and lack of attention to risks on the site present significant potential for loss. Insurance companies encourage all business owners to maintain clean and safe premises for the health and safety of employees, vendors and customers.
  4. Make safety a priority. Having a safety program can not only reduce your costs but will improve employee productivity.
  5. Train your staff. Employees perform better if they have an understanding of what their roles and responsibilities are. Make safety part of every job description.
  6. Keep employees healthy. A local company, for example, has instituted a comprehensive wellness program that includes disease management for afflictions such as asthma and diabetes, as well as offering flu shots, cancer screenings, smoking-cessation sessions and a round-the-clock phone line staffed by nurses. The company found that for every dollar it invested, it saved $4.23.
  7. If your business changes, your insurance should too. Meet annually with us to determine whether your business has changed in significant ways that require modifying or adding coverage.
  8. Raise your deductible.Raising the deductible on your insurance usually lowers your premiums. Even if you end up having to pay the deductible, it’s likely to be less than the amount you save.

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

Don’t be fooled…Auto Insurance Myths

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It seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they really giving you the best coverage designed specifically for you? 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

Here are a few auto insurance myths we have seen, that you need to know about:

Myth – Buying on line is better. Would you go to a web page to diagnose your illness and then select from a drop down list for your treatment? That is what on-line insurance buying is like. Call an independent agent so we can help design the right combination on coverage and price. We have access to multiple markets, not just one. Cheap insurance seems great until you have a loss.

Myth – Bright colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, it’s value, where you live and other factors.

Myth – One ticket or accident will cause my company to cancel my insurance.  Most insurance companies do not penalize you this way. They are more concerned with patterns of driving.

Myth – Older drivers pay more. This is not true. Many of our companies give discounts to older drivers.

Myth – The TV commercial said it was covered.  All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.

Myth – Mexico? No problem. If you travel to Mexico we recommend special Mexico coverage.

Myth – If I get hit by someone else, the other party will pay. That is true if they have insurance. Even though many states have mandatory auto insurance requirements, almost one fifth of all drivers don’t’ have insurance. And if you don’t have the right coverage you will not be covered.

Call us today to get more information about your auto insurance. 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.

Little Known Facts About California Auto Insurance

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Auto Insurance

You buy California auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here are some facts to help educate you about auto insurance. At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible

Auto Insurance Facts

  1. Your personal items are not covered if damaged or stolen out of your auto.
  2. The kind of vehicle you own helps determine your auto insurance premiums. Some vehicles are less expensive to insure. Call us today to find out more information.
  3. As your independent agent we will help you manage your policy, and more importantly guide you through any claim you might have.
  4. It is very important to review your auto insurance policy to make sure all the information is correct. Vehicle age, garage location and even VIN number can affect premiums.
  5. If your car is stolen your liability coverage will still apply.
  6. When you allow your uncle to use your car and he gets into an accident, your insurance will apply. You will be responsible for deductibles on your policy.
  7. Auto liability insurance is required in every state.
  8. If you add expensive after-market products (alarm, TV, stereo, custom interior) let us know so we can make sure you have the proper auto insurance coverage.
  9. Many classic cars need special auto coverage, call us today.
  10. If you own an ATV, motorcycle or boat, combining these with your auto insurance can save you money.

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.