Was Mr. Ed Right? Wilber Needs Insurance

grapes-1611089_640A business risk update

Farms, ranches, and wineries are facing several emerging risks that if not managed might have catastrophic results.  There are many unique risks facing farm and ranch owners. Some of these could be covered under your existing commercial policy, while others may require additional coverage.

As the owner and operator of an independent farm or ranch, you’ve made a number of investments into your agribusiness, equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection – so your animals will stay covered.

Here are some top emerging risks for the agribusiness

  • Agritourism activities include everything from bed and breakfasts, corn mazes, educational field trips, hosting weddings and events, store or wine tastings, to “pick your own” and roadside farm stands. It is important to understand your increased liability by having visitors on your property.
  • Environmental risks are increasing due to continued government oversight and control. Many agribusinesses may need to turn to nontraditional chemicals.
  • Technology, which includes drones and robotic equipment, adds considerable value to your operation. However, there are new risks of privacy and costs to insure high valued equipment.
  • Weather continues to be a concern due to continued climate shifts and changes.

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

 

Was Mr. Ed Right? Wilber Needs Insurance

horse-1006558_640 (1)A business risk update

Farms, ranches, and wineries are facing several emerging risks that if not managed might have catastrophic results.  There are many unique risks facing farm and ranch owners. Some of these could be covered under your existing commercial policy, while others may require additional coverage.

As the owner and operator of an independent farm or ranch, you’ve made a number of investments into your agribusiness, equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection – so your animals will stay covered.

Here are some top emerging risks for the agribusiness

  • Agritourism activities include everything from bed and breakfasts, corn mazes, educational field trips, hosting weddings and events, store or wine tastings, to “pick your own” and roadside farm stands. It is important to understand your increased liability by having visitors on your property.
  • Environmental risks are increasing due to continued government oversight and control. Many agribusinesses may need to turn to nontraditional chemicals.
  • Technology, which includes drones and robotic equipment, adds considerable value to your operation. However, there are new risks of privacy and costs to insure high valued equipment.
  • Weather continues to be a concern due to continued climate shifts and changes.

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

You Think I should Do What? …. What is Personal “Self Insurance?”

change-1080462_640A North Bay Personal Insurance Update

The whole concept of insurance revolves around protecting the assets of an individual from financial loss due to an unpredictable event. The reason that we purchase personal insurance is to protect ourselves from financial disasters. We rely upon the insurance company to take on the risk in exchange for the premiums that we pay.  The average consumer spends very little time thinking about insurance purchases. The insurance professional is expected to do most of the thinking for us and advise us on what is best.

There is a simple principle that can be applied to almost all your property and casualty insurance purchases that will save you premium dollars. Self-insuring is that principle. The smart insurance shopper eventually grasps the concept of self-insurance. The whole idea around self-insurance is using deductible options and eliminating unnecessary coverage. The days of the $100 collision deductible for an auto insurance claim is fading fast–and it should.  A higher deductible saves you premium dollars.  That is what we call “self-insuring.”  When you change your deductible from $100 to $500 you are taking on the risk for the first $500 of physical damage. You can do the same thing with your homeowner’s policy, and you will lower your premium and still be covered for any major loss.

You will save a lot of money in the long run by not paying the insurance company money for services they may never perform.  You will save thousands of dollars by keeping your deductibles $500 or higher.

There are many optional coverage’s in auto and homeowner’s insurance policies that you may want to eliminate to save money.  We can perform a personal insurance review to determine if you are over-insured.

North Bay Insurance Brokers focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market. Our trusted insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. One of the insurance professionals at North Bay Insurance Brokers, Inc. will work closely with you to ensure that you receive individualized attention you deserve.

We Offer Insurance For Wineries That is a Good as The 1988 Pinot Noir

grapes-1611089_640As a winery or vineyard owner, you know there is much more to making fine wines than simply growing grapes. You work hard to grow, blend and produce the best possible quality you can. Large or small, the unique risks confronted by vintners requires customized winery insurance solutions.  North Bay Insurance Brokers is well-versed in the unique needs of wineries, vineyard owners and vineyard managers and can provide you with the expertise required to meet your needs.

Most traditional insurance products don’t respond the needs of farm, winery, and ranch operations. These can include; special farm equipment, manufacturing equipment, stable liability, dairy exposure, cattle and other livestock mortality exposures, high valued homes, livestock breeder’s floater to name just a few. Farms are exposed to unique additional exposures including, pollution and agritourism.

The Risks Of Wine Operations

  • Loss of crop due to weather
  • Varietals are accidently blended during the winemaking process
  • Wine is spilled during transferring or transportation
  • Visitor slips and falls in the tasting room
  • Insecticides applied in the vineyard on a windy day drift onto neighboring property.

Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At North Bay Insurance Brokers, Inc., we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

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.

 

You Grow The Crops… North Bay Insurance Brokers Protects Your Investment

reims-1254782_1920As an owner of a California winery, farm or ranch you want to have the confidence that your operation is covered by a business insurance policy that addresses your specific insurance needs. Agribusiness is unique and we understand that.

Most traditional business insurance products don’t respond to the needs of farm and ranch    operations. These needs can include; special farm equipment, equine property, crops, expensive wine and other livestock exposures, high valued homes, livestock breeders floater, and much more.

California Insurance Solutions

  • Comprehensive agriculture insurance that spans all major lines of property and casualty
  • Replacement cost on buildings
  • Farm machinery, irrigation equipment and livestock
  • Coverage for necessary increases in living expense
  • High level of technical agribusiness expertise and agency automation
  • Special farm & ranch endorsements unique to our markets
  • Crop insurance
  • Seasonal farms and secondary properties

 

As a winery or vineyard owner, you know there is much more to making fine wines than simply growing grapes. Viticulture, oenology, equipment management, staffing, marketing and insurance are all integral components of a sophisticated operation. Large or small, the unique risks confronted by vintners require customized insurance solutions.  North Bay Insurance Brokers is well-versed in the unique needs of wineries, vineyard owners and vineyard managers and can provide you with the expertise required to meet your needs.