The Wild, Wild, Wild World of El Nino

MF weatherExperts say that the El Niño weather pattern this spring will have unpredicted affects that could last through 2016. At its strongest, this El Niño could become one of the top four weather events since 1950, contributing to intense west coast storms and heavier than normal rainfall.

Here is a recent local headline;


What should the North Bay Expect?

Although the early part of the spring season will feature above-normal rainfall, the drought will continue as rainy periods will diminish in the seasons second half and precipitation will be below normal for the winter season as a whole, with below-normal mountain snows not helping to ease the drought.

Wildfires And Homeowner’s Insurance

Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover.  In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.

Wildfire Prevention

Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.

Flood Insurance and Your Homeowner’s Insurance

All homeowner’s policies exclude flood. You need a separate policy to cover a flood loss. If you live on a hill you are still exposed to a possible flood loss from water run off above your property. We recommend that homeowners, even those who do not live in designated flood plains, need to weigh the dangers and consider buying flood insurance.

At North Bay Insurance Brokers, Inc., we combine premium personal 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 protected at all costs.



We Help Build A Better Mouse Trap

bigstock-Construction-Worker-Building-T-13918322North Bay Contractors Insurance Update

If you are a contractor you may have some coverage issues that you need to review. Many contractors’ insurance policies have limitations or exclusions that could cause un-insured losses.

Contractors Insurance Concerns

Contractual Liability

The ISO Commercial General Liability Coverage form excludes damages or loss for which the contractor is obligated to pay by reason of having assumed liability under a contract.  However, some coverage is given back in this exclusion for an “insured contract”.  We can add back the coverage through endorsements which changes the definition of an insured contract.

Designated Work or Designated Ongoing Operations Exclusion

Some insurance companies may offer a contractors policy, but exclude specific type of work. For example, a general contractor may be primarily involved in framing but may on occasion perform charitable work. Some insurers may exclude the charity work. Some carriers are willing to include incidental classes on the policy on an “if any” basis.

Independent Contractors Exclusion

As a contractor do you sub out any work? You do not want this exclusion on your policy. The exclusion removes coverage for claims arising from the acts of independent contractors.

North Bay Insurance Brokers, Inc. provides insurance to construction businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.

Don’t Turn Your Agri Business Into A Funny Farm


North Bay Insurance Broker has been helping farm families in California for a long time. We understand the needs of ranchers, winery owners and farmers and can help you find the best options for your business insurance policies.

Agritourism is any activity that allows members of the general public on your farm property for recreational, entertainment, or educational purposes. Agritourism activities include everything from a bed and breakfast, a corn maze, an educational field trip, a store or wine tasting, to “pick your own” and roadside farm stands. It is important to understand your increased liability, by having visitors on your property.

Here are three issues to remember:

  1. Almost 30 million children visit farms and ranches each year according to the US government.
  2. Most visitors are unfamiliar with the agricultural environment.
  3. Owners need to ensure the safety and health of all guests visiting their operations.

Here are a few safety tips for you to consider as part of your Agritourism activities:

  • Develop emergency plans just in case the worst happens. Have procedures in place for major injuries, heart attacks, pet bites, and more.
  • If you serve food make sure you follow all the state food handling policies.
  • Make sure you have traffic control procedures and extra staff if needed.
  • Address the safety issues with all ponds, machinery, and chemicals.
  • Do you use outside vendors? If so, make sure you obtain certificates of insurance.
  • If you have rides of any kind you should require a waiver of liability.
  • Have safety equipment such as fire extinguishers and first aid kits throughout the farm.
  • Use signs to post rules and vehicle speeds.
  • Train your employees on all safety measures.

Implementation of these guidelines is not intended to absolve the farm owner of all liability. They are, however, intended to reduce the risk of a guest being injured and to demonstrate a “good faith” effort to protect guests.

You’ve worked hard to build your farm into a business. North Bay Insurance Brokers, Inc. will work even harder to ensure that your business is protected. We provide insurance solutions for farmers near Sonoma, Napa, Marin, Santa Rosa, Petaluma, and American Canyon.


Are You Really Safe Using Uber?

Red smart car.

Red smart car.

If you use a taxi service of any kind, it is a good idea to consider a few safety precautions. Rideshare services such as Uber and Lyft have become increasingly popular as great alternatives to driving yourself or taking public transportation. Remember, if you are an Uber or Lyft driver, your personal auto insurance may not cover this exposure.  So call our office today to make sure you have the proper coverage.

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, with Uber or other ride sharing programs, you must rely on their insurance.

As these ride share programs become more and more popular, we are seeing more reported injuries and accidents. In some cases, there is minimal, or no, insurance to protect you. Click here for more information.

Ride Sharing Safety Tips

  • Tell someone your plans.
  • Check the driver’s rating on the app.
  • Check the identity of the driver before you get in.
  • Wait inside until your ride comes.
  • When you request a ride, ask to be picked up in a high traffic area.
  • Don’t ride in the front seat for health and safety reasons.
  • Never give cash.
  • The car should have some identification on the windows.

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.