The Best Revenge Is to Be Healthy

2017 is here and now is the best time to get healthy, or recommit to staying healthy.  Health should be number one on your priority list, and our agency can be an active part of that.  This is also the time of the year for lists, and we thought it would be fun to share some examples of New Year’s resolution lists for a healthy 2017.

Our team wants to help you make 2017 a healthy year, so we came up with our own list to help you have a healthy new year.

  • Stop smoking. There are many great resources to help you. Here is one: A free, phone-based service with educational materials, coaches, a quit plan, and referrals to local resources to help you quit tobacco use.1-800-QUIT-NOW
  • Consider Life Insurance. A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At North Bay Insurance Brokers, Inc., we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.
  • Get plenty of sleep. Sleep is important for people of all ages to stay in good health.  Read more here
  • Drink more water. No matter where you are, water should always be the first thing you reach for when you’re thirsty. Water truly is essential.
  • Reduce the amount of sugar. Here are some of the ways eating less sugar can help you. Click here
  • Take more walks and increase your exercise routine. The health benefits of regular exercise and physical activity are hard to ignore. Learn more, click here
  • Reduce the amount of processed foods you eat. In addition to chemicals your body doesn’t need or want, processed foods are full of added salt. Higher salt intake puts you at risk for high blood pressure.

Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At North Bay Insurance Brokers, Inc., we’ll work with you to keep your family protected in the event of your untimely death.

What’s In Your Wallet? An Insurance Card From North Bay Insurance Brokers

North Bay Personal Insurance Update

As we begin a new year, one thing on most people’s “to do list,” is buying home insurance and auto insurance.  When it comes to personal insurance, you want to be adequately covered if you do have a claim, but you do not want to pay more than you should.  We recommend that you call us before your personal insurance policies renew, so we can shop the market and compare options for you.

  • Review your deductibles and limits – Are they adequate for your needs? Are you using your personal vehicle for Uber, deliveries, or other commercial use?  If so, your vehicle may not be covered.  Are you renting out part of your home?  Again, you may need to adjust your coverage.
  • Use an independent agent – Independent agents can access many different insurance companies and select the one that offers the best combination of coverage, service, and pricing.
  • Do not buy insurance on the internet – Call us so that we can provide you with outstanding service along with competitive pricing.
  • Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  • An umbrella, or “excess,” policy kicks in where your liability coverage for your auto and home ends, and is a necessity if you have any assets to protect. A $1 million umbrella is common, but $2 million is more realistic these days.
  • Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident.
  • Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  • Bundle your insurance – Combine your auto, home, and umbrella policies with one insurer to receive greater discounts.
  • Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident.
  • Consider identity theft coverage – Identity theft is one of the fastest growing crimes in the U.S.
  • Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy. The insurance company should have an “A+” rating or higher.

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.

Go Where The Pros Go… North Bay Insurance Brokers

A Business Insurance Update

Most businesses purchase general liability insurance to protect the business against certain kinds of claims. These claims could include bodily injury and property damage. Professional Liability insurance, also called Errors and Omissions insurance, protects against a claim from a third party who suffers a financial loss because of services or actions.  Any individual or business in a profession that provides advice, expertise, recommendations, or a professional service to customers, clients, or another party, would benefit from Professional Liability insurance.

Typically, professionals such as doctors, accountants, nurses, insurance agents, lawyers, and architects purchase Professional Liability insurance. However, if you have clients who are in the business of providing advice, opinions, or services, they should consider Professional Liability insurance.  Professionals who provide advice are expected to have knowledge or training in their particular area of expertise. They are also expected to perform the services for which they were hired according to the standards of conduct in their profession.  Businesses and individuals can be held legally responsible for any financial loss caused.

It’s important to note that almost all Professional Liability insurance policies are sold on a “claims-made” basis. This means that the insurance only covers work performed while the policy is in force, and for claims actually filed during the term of the policy. Professional Liability insurance is offered in many different forms that protect many kinds of firms.

If someone feels he or she has suffered loss or damages due to a professional service, often their next action is a lawsuit.  These kinds of actions can be costly and severely reduce a firm’s resources. Professional Liability insurance can help preserve assets and more importantly help preserve the firm’s reputation.

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

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At North Bay Insurance Brokers, Inc., we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

 

Top Risk Managers Provide Workers Compensation Insights For North Bay Businesses

North Bay Insurance Brokers Risk Management Update

Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been tracking these tips over the past year and thought we might share a few of them with you.

  • Trip and fall injuries from Disney – With the millions of people and employees walking around their parks, Disney protects itself by making sure all walkways are clean and clear of hazards. Having well lit parking and sidewalks can also cut down on accidents.
  • Home Depot prevents back injuries – Most Home Depot employees use a flex back type of product that provides support for employees while lifting and stretching. Offering safety equipment to employees that need it can reduce sprains and strains.
  • Safe driving from FedEx – FedEx delivers millions of packages every day and uses over 90,000 vehicles to do it. The best way to prevent auto accidents is education and training. Every driver should be trained in the following areas; driving in adverse weather, distracted driving, vehicle inspections, driver wellness, and hazardous materials safety.

Having the right Workers Compensation plan from North Bay Insurance Brokers, Inc. can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at North Bay Insurance Brokers, Inc. who can help you find the right coverage options for all your business needs.