Not that Gecko, the other one

Concept of businessman with many questions and no answer

Concept of businessman with many questions and no answer

Every North Bay business goes through changes including growth, new products or services, or equipment upgrades.  If your business has experienced any change it might be time to have a North Bay business insurance and risk review.

New Products Or Services

If your business is providing new services or is selling new products it will be important to make sure your business insurance covers these changes. For example, if you are a contractor and are now providing plan review services, you will need Professional Liability Insurance.

Employee Changes

With employment changes always comes the need for Employment Practices Liability Insurance. If you have added new classes of employees, your workers’ compensation coverage will need to be updated.

New Equipment

If your business has purchased new computers, office equipment, or machinery you may not have enough property insurance coverage. Your Property Insurance premium varies depending on the type and volume of hardware/software you buy.

Change In Ownership

Often businesses have a change in ownership. It could be the death of a shareholder, divorce involving one of the shareholders, or your business may have added a new partner. Whatever the case, these changes need to be addressed with your agent and insurer. If you do not have Directors and Officers insurance, now may be the time to consider this coverage.

Remember that when things change in your business, one of the first things to consider is how those changes will impact your risk coverage.

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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More than a one night stand

MP900316773

Communication is Key

We live in the greatest age of communication. Today there are more ways to connect with each other than any other time in history.  For example, we have access to personal cell phones, email, web pages, videos, social media, traditional mail and more. So why don’t you and your independent insurance agent communicate more often? And, when you do communicate with your agent, what kind, and how much, communication is valuable to the agent/client relationship?

Our North Bay insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. One of the insurance professionals at North Bay Insurance Brokers, Inc. will work closely with you to ensure that you receive individualized attention you deserve.

Let us start by asking and answering the following question, “What kind of communication and service are you getting from your agent”? If all your agent does is send you a policy and an invoice, then your agent is way overpaid. There is so much more that an agent should be doing to educate and serve you.

  1. We ask questions about your risks.
  2. We educate you on these risks and their impact.
  3. Together we select a program that fits your needs.
  4. We continue to educate you through regular communication.
  5. Our web page offers ongoing education.
  6. If there is an important event that may affect you, we offer solutions.
  7. Our experienced staff is able to clearly discuss issues and solutions.

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.

Claims myth-understanding

Focus On Facts

We Want to Educate You About The Realities Of Filing A Claim

Let’s face the facts.  You buy insurance to protect yourself in the event of an accident, injury, or some other event. Filing a claim with your North Bay homeowner’s insurance, auto or business policy should be easy, and the claims process should go smoothly. Let’s expose the myths around filing an insurance claim

  1. Myth- Filing an online claim with an online insurer is easy and takes only minutes. Online insurance claims can take longer, and you may not even know from where in the world the person is calling.
  2. Myth- Any claim will cause my insurance premiums to go up or my insurance policy to be cancelled. A majority of insurance companies simply handle and settle the claim fairly and don’t cancel the policy. Factors that might cause a policy to be cancelled are multiple claims, claims that involve criminal activity, and drunk driving.
  3. Myth- The adjuster’s job is to settle the claim for the lowest amount possible. Most adjusters are obligated to settle any claim per the terms of the policy.
  4. Myth- I do not have anyone to help me through the process. Our office will help you through the process and answer any questions you may have. We are your advocate. This may not be true if you purchased your insurance online.
  5. Myth- I can let my contractor or auto body shop handle the claim. Be aware of “ambulance chasers” that appear after a loss or accident and claim to have expertise in claims processing. They may not know your policy. Always call us for help.
  6. Myth- All I need to do is report the claim. You will need to communicate with the adjuster and provided other information as needed.

Insurance is intended to help you recover after a loss. We are here to help you review and understand how insurance works. At North Bay Insurance Brokers, Inc., we know 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.