Who Protects Your Home While You Are On Vacation?

bigstock-Concept-or-conceptual-black-pl-47908673A Personal Insurance Update

Having the right North Bay homeowners or renter’s insurance is a good way to protect your home and property while you are away having fun this summer. Personal insurance can offer replacement for loss or damage property.

Home Burglary facts (Source FBI, Harris Interactive Polls)

  • 25% of burglars get in through the back door.
  • Homes with security systems have a 30% less chance of being targets.
  • A majority of convicted burglars say they avoid homes with alarm systems.
  • 27% of homeowners say they leave their doors unlocked.
  • Burglars will use social media to select targets.
  • The average cost to replace stolen items is $4,200.

Vacation Safety Tips

  1. Stop the paper and garbage.
  2. Keep valuables in a locked safe.
  3. Lock up all guns.
  4. Tell neighbors about your trip. Have them watch for deliveries.
  5. Don’t take all your credits cards on vacation, only take the ones you may need.
  6. Use automatic lights to give the appearance of someone being at home.
  7. Pay all your bills so that key utilities don’t get turned off.
  8. Inform your credit card companies where you plan on traveling. This information will alert them to any fraud.
  9. Mow the lawn before you go to make it look like you are at home.
  10. Give you itinerary to a family member.
  11. Don’t post vacation pictures on social media sites until your return home.
  12. Have us complete a free home insurance review before you go.

 

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

At North Bay Insurance Brokers, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

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Are You Really Covered?

Alion-2633705_1920 Personal Insurance Update

A personal umbrella policy can protect your family for less than a dollar a day.  An umbrella policy can provide added limits over your auto and home insurance.  Our team of professional agents can review your personal insurance program and recommend any updates or changes.

There are many reasons to consider a personal umbrella policy including an increase in personal litigation lawsuits, the need to protect your personal assets, and the peace of mind this coverage provides.  In the event your underlying policy limits are exhausted, your personal umbrella coverage can provide added limits.

  • A personal umbrella can add liability coverage over your home, auto, motorcycle, RV, and even rental properties.
  • Coverage can include legal fees.

If you have any assets including a good income, investments, equity in your home, or possible inheritance, you should consider the additional coverage.  A personal umbrella policy can give you and your family more security and peace of mind.

Additional Coverage For Peace-Of-Mind Living.

North Bay Insurance Brokers is committed to providing expert advice and quality insurance products that keep your future protected. From keeping your identity and confidential information secure to insuring your personal items under an umbrella policy, we have the solutions you’ve been looking for should theft, an accident or even a lawsuit ever occur

 

In Business Insurance Coverage Is King

insurance-salesA North Bay Business Insurance Update

Buying business insurance is like investing in your business.  While you may never have a claim, if you do the resources provided by your insurer can keep your business going.  That is why it is important to have an agent who understands your needs and can help you design a business insurance program that fits your needs.

Where to Start?

Understand the difference between agents.

  • Captive agents can only provide coverage through one insurer.
  • Independent agents can offer many different coverage options through their many appointed insurers.

Understand the Value of Information

It is important that you provide as much information about your business as possible. Your agent can help you determine which information is needed to get the best possible pricing, coverage, and service.

Coverage Is King

Your agent will have a good idea of what you need after they review your risks. Here is an example of some of the coverage you may require.

Property Insurance: Covers your buildings, equipment, machines, and other property from loss or damage.

Commercial Liability Insurance: Provides coverage for bodily injury and property damage you cause to others.

Commercial Auto Insurance: Covers your company vehicles if they are involved in an accident. It can also cover your business if you or an employee uses a personally owned vehicle on behalf of the business.

Cyber Liability Insurance: This insurance can protect your business from a data breach. If your business stores sensitive or non-public information about employees or clients, you are responsible for protecting that information.

Management Liability Insurance: Management Liability can encompass three important business insurance coverage’s; Professional liability, Directors and Officers Liability, and Employment Practice Liability. These are excluded in most business insurance policies.

Our professionals work diligently to understand our client’s risks, goals, culture & vision in order to develop with you a risk management program to support your mission. 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, 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.