Wildfires Can Occur Anywhere

House FireAccording to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans.  Wildfires can occur in the country and major cities. Wild fires can start in a vacant lot and spread to neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org

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.

If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.

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.

  • Use fire resistant materials for roof and home construction.
  • Keep wood piles at least 30 feet from your home.
  • Create a 100 foot safety zone around your home.
  • Prune trees within 15 feet of any chimney outlet.
  • Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
  • Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
  • Teach children about fire safety. Keep matches out of their reach.
  • Keep roofs and gutters clean and free from debris.
  • Have a ladder that reaches your roof.
  • Have an extra-long hose.
  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
  • Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.

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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Don’t Overcook That Beef!

grilling-1081675_1920Everyone in the North Bay loves a barbeque. Summer is here and we know that many of you are already firing up your grill and bringing on the steaks. But be safe when grilling. Did you know that in 2017, there were over 8,000 home fires that started from grills? 27% of these were stated on a balcony or porch. Every year, over 7,000 people are injured while grilling.

Summer is also a good time to complete a home insurance review. We can make sure that you have the right combination of price, coverage, and service.

 Grilling Safety Tips

 Thoroughly clean your gill before you start a new season of grilling.

  • Always check for leaks on gas grills.
  • Keep paper and other flammables away from the grill.
  • If you use a starter fluid, use only charcoal starter fluid. Never add charcoal fluid or any other flammable liquids to the fire.
  • Never BBQ inside, in a garage, on the roof or on a second story deck.
  • Never leave your grill unattended.
  • Never store or use flammable liquids, like gasoline, near the grill.
  • Open the grill lid before you light it.
  • Don’t wear loose fitting clothing.
  • Keep a fire extinguisher outside or close by.
  • Never bring the propane tank into the house.
  • Make sure you use the grill at least10 feet away from your house.
  • Don’t overindulge in alcohol while barbecuing.
  • Always clean your grill after every use. Don’t allow grease to build up.

North Bay Insurance Brokers is your trusted solution for homeowner’s 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. Our Home Insurance coverage options include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

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.

Different Strokes For Different Businesses

Insurance - Protect the Important Things words on business cardsNorth Bay Business Insurance

According to the latest surveys by major insurers, small to medium-sized businesses have a number of critical gaps in their insurance coverage. The reasons for gaps vary; not fully understanding how certain coverage applies to their business, buying insurance from a captive agent who can’t provide the coverage, thinking their commercial coverage provides the coverage and finally believing they don’t have the risk.

Business Insurance For Your Organization

Here are the coverage’s you should consider to make sure you are adequately protected.

Pollution Liability- Protects against the liability that comes with polluting the environment including restoration and cleanup, liability for injuries and deaths caused by pollution.

Cyber Liability- Cyber liability is the risk posed by conducting business over the Internet, over other networks or using electronic storage technology. It covers third party losses from hackers, theft, and loss of information including sensitive client or individual personal information.

Directors & Officers Liability– Covers costs, damages, and defense protection to directors and officers of a company resulting from lawsuits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Employment Liability– Employment Liability provides protection for an employer against claims made by employees, former employees, or potential employees. It can cover discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations.

Professional Liability– Insurance that is designed to cover third party claims, damages and claims arising out of providing professional advice.  Many firms create legal obligations arising out of a professional’s errors, negligent acts, or omissions during the course of providing services to clients.

We are ready to help you better understand your risks. Please call our office today.

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.

 

 

 

How Can That Be Stolen?

We have all heard of identity theft as it relates to individuals. Most of us have some form of identity theft protection just in case. However, businesses are now facing the same kind of risk, only as it relates to their business. The emerging risk includes; business tax fraud, trademark issues, website hacks, and credit card fraud.

Experts are telling us that criminals are combining stolen data and creating tax returns in the name of the business. According to the IRS, the total losses in 2017 were $270 million.

We recommend that you have our agency complete a business insurance and risk review to determine your exposure and create a plan of action. Our solutions might include the following.

Cyber Risk Insurance

Cyber insurance can cover your businesses cyber exposure through a cyber breach. This could include a data breach, loss of client’s information and the costs associated with reporting and restoration. Cyber risk insurance can also cover.

  • Media Liability
  • Error & Omission Insurance
  • Regulatory Defense & Penalties
  • Extortion & Ransomware coverage
  • Data Breach Response Costs
  • Business Interruption
  • Network Security Coverage

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.