Is Drag Racing Covered Under My North Bay Auto Insurance?

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A “high-risk” driver is generally defined by the insurance companies, as someone who has a higher risk of having an auto accident.  Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims. You buy North Bay auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. But if you are having trouble, call us today.

Why you may be defined as a high risk driver?

  • You have multiple accidents or tickets during a specific period of time.
  • You have a DUI.
  • You have a serious violation.
  • Any accident that results in a fatality.
  • Driving without a license.
  • Driving without insurance.
  • Your drive an exotic car.
  • For whatever reason your auto insurance has lapsed.

How to get auto insurance if you are considered high risk

  • You may need non-standard insurance.
  • SR-22 insurance for specific situations.
  • Allow your agent to shop auto insurance for you.
  • Determine what auto insurance discounts for which you may be eligible.
  • Improve your driving skills.
  • Consider a lower risk car.

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.

 

 

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Summer Rental Nightmare…Their Dog left You a Gift?

san-francisco-1018203_1920Many people in wine country have rental property. It is a popular place for people to come. It is very important to have an independent agent review your North Bay personal insurance program to make sure you are properly covered. If your home insurance is not recorded as a Landlord Policy, the insurer can deny the claim.

Landlord insurance provides coverage for the owner of the property for losses and/or damage connected with rental property. As a landlord, you need protection from financial loss as a result of damages to a rental property due to fire, break-in, severe weather, and more.

What Can Landlord Insurance Cover?

  • Property damage. This covers damage to the building from fire, storm, theft, and vandalism.
  • It will protect you against bodily injury to guests or tenants.
  • Loss of rent or income. This insurance will help compensate you for lost income in the event that a rental property becomes uninhabitable due to a covered loss, such as a storm or apartment fire.

Does Your Homeowner’s Insurance Cover Your Landlord Risk?

The short answer is no. If you are renting out part of your home or other property, your homeowner’s insurance will not apply. If you are renting on a short term basis, check with your agent; some insurers may offer coverage if it is a short term event.

You need landlord insurance when you do not occupy the same residence as your tenant. You will also need landlord insurance if you are renting out your own home temporarily, or sharing accommodations such as your basement level, with a renter.

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.

Excuse Me… There Is A Bug In My Soup!

bigstock-Restaurant-interior-with-table-18389597By now we have all heard about the food safety issues facing the Chipotle restaurant chain. Getting sick while eating out is actually a very common occurrence, and with Chipotle under the microscope, they may now actually be one of the safest places to eat. According to (foodpolitics.com) the main issue at Chipotle was linked to E. coli. The most recent CDC report (December 21) counts 53 cases of E. coli 026 from 9 states, with 20 hospitalizations.

If you operate a North Bay restaurant, food truck, or even offer food to your employees, you have a responsibility to maintain cleanliness and food safety standards in your kitchen. This seems to be a good time to offer up a number of food safety tips for every employer. Your business insurance may cover food borne illness, but it is always a good idea to check with our office. If you own a restaurant or other hospitality operation, make sure your business insurance includes coverage for illness to customers.

Food Safety Tips

  • Keep the kitchen clean.
  • Require all employees to wash hands before working in the kitchen.
  • Require employees to wash hands after using the restroom.
  • Make sure all food workers are properly trained.
  • Wash all produce.
  • Keep meats separated from other food.
  • Cook all foods at appropriate temperatures.
  • Toss out old food every Friday from the office kitchen.
  • State and county health departments are the direct enforcers of local, state, and federal health regulations. When operating a commercial kitchen, it is important to know the local health codes to avoid fines and prevent foodborne illness outbreaks.
  • If you are having an office party, you may want to consider purchasing foods.
  • Proper cleaning and sanitizing of all food contact surfaces and utensils will reduce germs.
  • Clean all food equipment daily.
  • Never let food sit out for long periods of time.

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.

But Your Rental Car Insurance Does Not Cover That Claim!

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Questions to consider about your North Bay auto insurance

As the spring and summer approaches, many of us will be renting a car as part of our vacation or business travel. It will be important to consider a few items before you decide whether or not to purchase the rental car insurance. If you have any questions about your auto insurance coverage, call our office and we can help you through the process.

Do you have North Bay auto insurance now?

In most cases, if you have the right personal auto insurance you may have the coverage you need without buying the rental coverage. If you do not have auto insurance, you may want to purchase the rental coverage.  Or, if you have personal auto but do not have Comprehensive/Collison coverage, you may want to consider paying for rental car insurance.

Does your credit card provide extra coverage?

Many credit card company offer coverage if you use their card to pay for the car rental. This coverage often applies over any other valid insurance.

Are you traveling on business?

Your employer may provide the coverage if you are traveling on business.

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.