Thieves Are Shopping For Good Deals Too, This Holiday Season

Pbfty7ersonal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

  • Always be aware of your surroundings.
  • Lock your shopping bags in your trunk.
  • Never allow children to make unaccompanied trips to the restroom.
  • Never leave car doors unlocked or windows open.
  • Always park in lighted areas. DO NOT park in remote areas.
  • Shop with a friend.
  • Teach your child to go to a store clerk and ask for help in case your child is separated from you.
  • Avoid wearing expensive jewelry.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.

 

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

Is Your Business Hiring Santa’s Helpers This Holiday?

white-male-1734415_640North Bay Business Insurance update 

This is the time of year when your business will be hiring part time workers to help you manage the holiday season. For the most part, you will not need to modify your California business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be a good time to have us complete a review of all your business insurance policies.

Here are few tips to help you manage seasonal employees

  • Make sure seasonal employees get the same training as all other employees.
  • Conduct background screenings on seasonal candidates.
  • Unless the job requires it, it is not a good idea to give seasonal employees access to computers or other secure information.
  • Don’t allow seasonal employees to work alone.
  • Remember the Fair Labor Standards Act (FLSA) requires employers to properly classify workers, pay the legal minimum wage, and pay overtime if applicable.
  • Seasonal employees should also read and sign the employee handbook.
  • Your business is legally required to carry workers’ compensation insurance coverage, as most fair-employment laws cover seasonal employees.
  • If you notice cliques or bad habits forming, don’t assume that they will self-correct.
  • Employers with 15 or more employees are subject to Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and other federal and state employment laws. This means your seasonal employees, just like your regular workforce, must receive adequate training on what conduct is illegal, how to report it, and how to request a reasonable accommodation.
  • Maintain a detailed account of where each employee works, the kinds of tasks they are assigned, number of hours completed, and their rate of pay.
  • When it is time to end the seasonal employment, follow the same procedures as you would with a full-time or permanent employee.

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

Have You Wondered If These Are Covered Under your Personal Insurances?

gh7776n9North Bay Homeowner’s Insurance

You buy homeowner’s insurance to protect your most important asset.  Or, if you are a renter, you buy renter’s insurance to cover your personal property and legal liability. Whatever the case, there are many risks to which you are exposed. Some risks are obvious such as fire and theft, while others are not. We wanted to provide you with some of the not so common claims that can arise out of home ownership or renting.

Homeowner’s and Renter’s Risks

Dog Bite Claims Homeowner’s and renter’s insurance policies (with liability coverage) will cover the medical bills for someone bit by a dog, a cat, a snake or other domestic animal in your home.  These policies even pay lost wages if the person can’t work.

Bike Accidents – If you have liability coverage and are involved in a bike accident where you are liable for the injury of another person, you most likely have coverage.

Falling Objects From The Sky – Damage that comes from “falling objects,” which includes stuff that comes from the sky, is usually covered.

Lightening – Homes partially or entirely destroyed by lightning-caused fires are not the only items that may be covered by your homeowner’s policy. Damaged electronic equipment like computers, high definition and plasma TVs, and refrigerators could also be covered.

Dinner Gone Bad – If you are entertaining your guests and they become ill or sick as a result of your food preparation, your liability insurance will provide medical expenses for your guests.

Remember, each personal insurance policy is different.  These items may be covered, but we recommend you check with our office to determine the specifics of your insurance policy.

Losses Not Covered under a standard Homeowner’s or Renter’s Policy

  • Earthquake
  • Flood
  • Intentional acts
  • Criminal acts

North Bay Insurance Brokers, Inc. is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

 

Auto Insurance Deductibles…There Are Deductibles On My Auto?

free5454A North Bay Auto Insurance Update

These days everyone is looking to save on their auto insurance. We work hard to offer the best combination of pricing and coverage to all our clients. We recommend that you review your auto insurance program annually to make sure it is meeting your changing needs.  Considering changes in deductibles should be part of this process. Increasing deductibles can reduce your premiums and may save you money in the long run.

Pro:

Increasing your deductible will reduce your premiums. For example, let’s say you pay $225 per month for your auto insurance with a $50 comprehensive and $100 collision deductible. By increasing your deductible to $250 comprehensive and $1,000 collision you might save $75 per month. That is a $900 annual savings. Assuming you don’t have regular accidents, the savings would almost pay for itself in a year. (This is an example only. Actual savings will be based on individual factors)

Con:

If you raise your collision deductible to $1,000 and have an accident the next day, you must pay the $1,000. Are you prepared to manage that? Keep in mind these deductibles will apply even if your car is stolen or a tree falls on it; it does not have to be your fault.

Your deductible and limits are a personal decision and your financial situation plays a part in the deductibles and coverage you choose. PRL Insurance can review your insurance and provide deductible saving options, so please call us today.

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.