Things Are Growing…Your Risk Is Too

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.

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We Are Independent, You Benefit

 

light-bulbs-1125016_640There are many reasons why you buy home insurance, auto insurance or business insurance. But the bottom line is that you buy personal insurance to protect your assets and have claims paid fairly and promptly. You also want competitively priced insurance rates.

Why Independent Agencies Are Better

When you purchase insurance through an independent agent like North Bay Insurance Brokers you are working with a licensed professional who specializes in the products and services you need. Independent agents are local business owners who employee your neighbors to serve your needs.

Benefits of Working with an Independent Agent

  1. We represent many different markets. This allows us to bring you the best possible combination of coverage, price and service.
  2. We are there to handle your claims. We will help you through the claims process.
  3. We have the services you need. We offer prompt and professional insurance services. You don’t get a recording or someone in another state. We care about you and will help you solve your problems.
  4.  We are experienced. Our staff completes regular training on all the insurance products you need.
  5. Locally owned. Our agency is locally owned and operated. It is always better to buy local. You can stop in our office anytime and meet the team that services your account.
  6. Working through an independent agent does not increase your premiums.
  7. All your home insurance, auto insurance, RV insurance and business insurance can be handled in one place.

At North Bay Insurance Brokers, Inc., 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.

 

 

 

 

The Costs Just keep Going Up!

Do It YourselferFive Spring Home Remodeling Insurance Tips

Many People in the North Bay are planning a home remodeling project for the spring or summer.  These projects may include a new backyard, kitchen or an addition for the expanding family. Whatever your personal project, you will need to protect yourself from the financial risks and hazards associated with a home remodel project.

North Bay Insurance Brokers 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.

If you are thinking or planning on hiring a contractor to help or construction company to help you with your project, keep these tips in mind. Following these guidelines will help reduce your risk and increase your chances for a successful, and hopefully stress-free, project. Always ask for insurance from the contractor or company.

  1. Before you hire a contractor, it is good to ask for references. The Better Business Bureau is an excellent place to start.
  2. Know what you want and have a specific list of products, including the brands. For example, if you want an Air Conditioner, be specific about the type and brand. There are many brands; some good and some not so good.
  3. Always have a written contract with a competition date.
  4. Go visit other homes on which the contractor has worked.
  5. Some contractors may ask for 100% of the payment upfront. Never do this. A small (10% to 15% upfront is normal)

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.

Is Agritourism Risk A Real Thing?

MP900176513Agritourism is any activity that allows members of the general public on your winery, farm property for recreational, entertainment, or educational purposes. Agritourism activities include everything from a bed and breakfast, a corn maze, an educational field trip, a store or wine tasting, to “pick your own” and roadside farm stands. It is important to understand your increased liability, by having visitors on your property.

Here are three issues to remember:

Almost 30 million children visit farms and ranches each year according to the US government.

Most visitors are unfamiliar with the agricultural environment. Owners need to ensure the safety and health of all guests visiting their operations.

Here are a few safety tips for you to consider as part of your Agritourism activities:

  • Develop emergency plans just in case the worst happens. Have procedures in place for major injuries, heart attacks, pet bites, and more.
  • If you serve food make sure you follow all the state food handling policies.
  • Make sure you have traffic control procedures and extra staff if needed.
  • Address the safety issues with all ponds, machinery, and chemicals.
  • Do you use outside vendors? If so, make sure you obtain certificates of insurance.
  • If you have rides of any kind you should require a waiver of liability.
  • Have safety equipment such as fire extinguishers and first aid kits throughout the farm.
  • Use signs to post rules and vehicle speeds.
  • Train your employees on all safety measures.

Implementation of these guidelines is not intended to absolve the farm owner of all liability. They are, however, intended to reduce the risk of a guest being injured and to demonstrate a “good faith” effort to protect guests.

 

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.

 

 

We love It When A Plan Comes Together

Concept. Young Couple Dreaming Of New House, Child, Financial WeA North Bay Personal Insurance Update

As we move into 2019, it is important to take stock of your personal insurance program.  Many different life events can affect your personal insurance.  Having the right kind of personal insurance can make a big difference if, and when, you ever have a claim.  Please call our office for an insurance review.

What Should Be Part of Your 2019 Personal Insurance Planning?

  • Should I consider a personal umbrella policy?
  • Is my home valued correctly?
  • Do I need to add or remove any drivers?
  • Have my life insurance needs changed?

Things That Can Affect Your Insurance

  • Marital status.
  • Children in college.
  • Purchase of a new vehicle, ATV, motorcycle, or boat.
  • Planned foreign travel.
  • Purchased any items of value like art, guns, or jewelry.
  • Starting a home-based business.
  • Purchasing a vacation home.
  • Using your home as rental income.

If you call us, one of our team members will help you find the best possible combination of coverage, price, and service.  Our agents have access to more carriers, and that means that they have more options, including multiple policy discounts and preferred premium pricing.

Remember, knowledge is power.  Therefore, the more information your agent has the better pricing and coverage they will provide for you.  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.

 

Who Is On Your Side?

17759901_xxlWho Is On Your Side?

A North Bay Insurance Update

Everyone has seen insurance advertisements that feature a lizard, a man who creates trouble, and a wacky woman in white trying to sell you insurance.  These ads may be entertaining, but how in the world can you really tell these companies apart?  What are the differences?  Is one company really better than any other?  Will the coverage, price, and service meet my needs?

There are two distinct kinds of agents in the United States; Independent agents/brokers, and direct writers.  Let’s define these for you.

Independent Agents

An independent agency is a business that is owned and operated by local business professionals.  Some larger agencies may have a board of directors and many partners, but usually the ownership is local and independent.  These agents offer many different insurance products through many different insurance companies.  Independent agents sell the products that most appropriately meet the needs of their clients. Independent agents typically are very well trained and knowledgeable of the complexities of the insurance market and insurance law.

Most independent agents have multiple companies from which to shop your insurance needs.  This makes it more likely that they will find the exact fit for your specific situation. It also allows for greater competition, which benefits their clients.

The goal of the independent agent is to provide their clients with the best possible combination of coverage, price, and service.  For example, independent agents have experience in understanding what services insurance companies provide and are able to match unique services with client needs. Not all insurance companies are alike.

Direct Writers

A direct writer is an agent who distributes policies for only one insurance company.  Direct writers are agents paid by the insurance company and cannot utilize the entire insurance market.

If your roof needed replacement would you go to just one roofer for a quote?  Would you hire a roofer because their ads are funny?  Wouldn’t it make good financial sense to go to more than one roofer to get options and pricing comparisons?

The True Value of Your Agent

The value of the insurance you buy truly is established when, and if, you have a claim.  Independent agents advise and help clients through the claim process. Our job is to find you the best possible combination of coverage, price, and insurance.  Independent agents/brokers work for the customer, direct writers work for the company.  Enough said!

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.

 

Online Insurance Can’t Answer These Questions

4fr44bfWhether you are a new homeowner or have owned your home for a longer period, there’s no doubt you have any questions about homeowner’s insurance. You want to protect your home, your possessions, and your family. Below are five of the most frequently asked questions about home owner insurance.

  1. As a home owner, am I required to have insurance? Yes, if you have a lender. It’s also wise to look into insurance if you are in the process of constructing a home or renting your home to someone else.
  2. What types of coverage does homeowner insurance provide? Property insurance, which covers the home and contents and liability insurance, which insures your liability for bodily injury to a third party.
  3. Will the replacement cost be the same as the sale price of my home? No. The replacement cost will cover the amount needed to replace the same structure and/or contents. Replacement cost is usually calculated based on the individual home’s characteristics. We recommend you take photographs of your home and contents.
  4. Will homeowner insurance cover damage or theft outside of my home? Generally, yes but policies differ. Be sure to ask about your specific coverage.
  5. Are home-based businesses covered under homeowner insurance? No, unless you qualify for an endorsement to your current homeowner insurance policy. Generally, you need a business owners insurance policy. You can void coverage on certain structures as well if they are used in your business.

Of course, homeowners will have more questions about homeowner insurance particular to their own situations (including protection against the elements, possessions that are no longer in the home, contents of vehicles, etc.). When searching for a homeowner insurance policy, be sure to ask about coverage relevant and beneficial to your own situation.

North Bay Insurance Brokers, 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.