The Wrong Tick Is No Treat

MF HalloweenHalloween is approaching.  Kids and adults are looking forward to dressing up and going out to trick or treat in the neighborhood.  With a little bit of planning you can ensure your ghouls and goblins have a frightfully fun time this year.

More than twice as many children are killed in pedestrian-car accidents on Halloween between the hours of 4 p.m. and 10 p.m., compared with the same hours on other days throughout the year, according to the National Highway Traffic Safety Administration. Police will be increasing traffic patrols on Halloween in order to keep our kids safe, and to catch drunk drivers.

Protect The Trick Or Treaters

  • Instruct your kids to never go into a stranger’s home.
  • When shopping for costumes, wigs, and accessories, look for, and purchase, items with a label clearly indicating that they are flame resistant.
  • Decorate costumes and bags with reflective tape or stickers and, if possible, choose light colors.
  • Make sure that any props your kids carry, such as wands or swords, are short and flexible.
  • Only go to homes with a porch light on, and never enter a home or car for a treat.
  • Children under the age of 12 should not be alone at night without adult supervision.
  • Don’t eat homemade candy unless you know the family.
  • Carry a flash light.
  • Inspect all wrapped candy. If it has been opened toss it out.
  • Set a curfew. 

Home Safety

  • Clean up your yard.
  • Make a clear, well illuminated path to your door.
  • Remember that a lot of Halloween decorations, like dried flowers, straw, and crepe paper are highly flammable. Make sure to keep your decorations away from all open flames.
  • If you have a large display, make sure all electric cords are taped or secure to prevent tripping.
  • Practice indoor fire safety by checking all smoke detectors. Make sure candles are placed in a secure area.

Homeowner’s Insurance

Did you know that in most cases your homeowner’s insurance will provide liability coverage if your child injures a third party? Also, did you know that your homeowner’s insurance will provide loss or damage to personal property (subject to policy terms and conditions)?

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.

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Even Steve Jobs Would Be Proud

bigstock-Insurance-Folders-8214377Workers’ Compensation Must Respond To The New Economy

Every business has faced issues related to the new economy. The new economy involves how work gets done in today’s millennial environment. Your workers’ compensation and business insurance programs must be designed and respond to these new risks. Now would be a good time to have your business insurance program reviewed to make sure that you have the best possible combination of coverage, price, and services.

New Age Workers’ Compensation Risks

  • Social media fingers–Employees are constantly sending and receiving text messages and emails from smart deceives. This increase the stress on fingers, neck, and eyes.
  • Work from home–Employees who work from home should be afforded the same equipment as office employees.
  • Pet friendly environments–More employers are allowing pets to enter the workplace, some as accommodations for ADA. Employers must consider the potential for allergies and other similar claims.
  • Work and play–Companies that offer recreation facilities and game rooms create a potential for new kinds of injuries.
  • 24/7 connections–Many employees use laptops or other personal devices as part of their job. Having employees always on demand can create physical and emotional health issues.

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.

 

If It Quakes It is To Late

Earthquake1 bf6Everyone knows they need earthquake insurance, but not every business buys it. Let’s review some facts.

  • The U.S. has about 20,000 earthquakes a year, mostly small, and 42 states are at risk of quakes, according to the U.S. Geological Survey.
  • Just 10 percent of California businesses with property insurance also carry earthquake coverage, according to a recent Napa Valley Register story.
  • Global losses from earthquakes were about $313 million in 2014, higher than 2013 losses of $45 million but far below 2011’s $54 billion, the highest amount ever recorded, according to Swiss Re.

Insurance Coverage for Earthquakes in the United States: Standard business insurance policies do not cover damage from earthquakes. Coverage is available either in the form of an endorsement or as a separate policy. Earthquake coverage is available from private insurance companies rather than from the government.

  • March 2015 forecast from the U.S. Geological Survey (USGS) has upped the likelihood that California will be hit by a magnitude 8 earthquake over the next 30.The most recent calculations differ from those in the earlier USGS forecast in that scientists took into account the possibility that a quake can move from one fault to another, releasing more seismic energy, as well as including newly discovered fault zones. Scientists also said that the probability that the state will be shaken by a magnitude 6.7 quake, similar to the devastating 1994 Northridge temblor, is higher than 99 percent.
  • Most commercial earthquake policies for businesses have a deductible that is based on the value of the building insured. They commonly range from 5 to 20 percent
  • If an earthquake collapses your foundation, you’re not covered. If the earth shakes and a sinkhole swallows your business, you’re not covered. If the earth causes your merchandise to falls off the shelves, shattering on the floor, guess what? you are not covered.

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.

Some information provided by Insurance Information Institute.