You Are Up To Your Waste In Water…Are You Covered?

White house in water, floodA North Bay Flood Insurance Update

Winter will soon be over, and the arrival of spring rain can lead to major flooding.  In the past 5 years, all 50 states have experienced floods or flash floods.  Flood insurance cannot be purchased during a flood.  There is a 30 day waiting period once the application is processed. Therefore, it is a good idea to start thinking about flood insurance right now.

According to FloodSmart.gov, the official site of the National Flood Insurance Program, at least 25% of businesses that shut down after a flood never re-open. According to the same source, only a very small percentage of homeowners buy flood insurance.

Many business owners and homeowners are under the mistaken impression that their insurance policies cover them for damages arising from floods. While your personal insurance and/or business insurance policy may cover water damage, flood coverage is excluded.  Just like homeowner’s flood insurance, commercial flood coverage must be purchased separately in a dedicated policy.

Flood insurance policies cover physical damage to your property and possessions.  You can refer to the Summary of Coverage to help you better understand your policy and coverage.  (Read More)

As a home or condo owner, you may think your homeowners insurance has you covered from most natural disasters; unfortunately, it doesn’t. The majority of people living in the U.S. don’t live in areas where flood damage is likely to occur. However, if flood-related damage is a risk for you, get insured. It’s better to be safe than sorry.

At North Bay Insurance Brokers Insurance Agency, we know you’ve invested a lot of time and money in your personal property and keepsakes. A flood insurance policy will cover the cost of replacing your valuables from any flood-related damage.

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.

Thieves Are Looking For Bargain’s This Holiday Too

aqazxaThe Most Common Holiday Theft Losses

We are in the middle of the holiday season.  While you are out shopping for that perfect gift, criminals are also out looking for ways to enhance their holiday take. While your personal insurance will most likely cover losses from theft, we thought it might be good to identify the most common holiday theft losses.

Now might be a good time to have us review your personal insurance. Stop in and have some coffee while we review your homeowner’s insurance coverage.

Theft From Vehicles

While you are in the store, criminals are in the parking lot looking for easy ways to get into your vehicle.  Keep all packages in the trunk; always lock your car, park close to the store, and in a well-lit area.

Home Burglaries

Home burglaries increase in December, due to people traveling and an increased number of easy targets.  When you leave your home, keep lights on, close your drapes, and never leave packages on your front porch.  Thieves will follow delivery trucks waiting for an opportunity to strike. Most online retailers send emails and text messages so purchasers know almost immediately when a package has been delivered.

Stolen Purses

When you are shopping, never leave your purse in the shopping cart, keep your purse closed, only take the credit cards you need, and leave other cards and documents at home.  Don’t carry a lot of cash and wait until asked to produce your credit card so a nearby thief can’t get your account information.

Identity Theft

Online shopping has become as big as direct shopping. Make sure to use secure websites and log off when completing any purchases.

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.

Don’t Let One Too Many Drinks Put You Out Of Business

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Business Insurance And Risk Management Tips From North Bay Insurance Brokers

As we close the year out, many businesses will be hosting company parties.  Business owners, executives, and human resources personnel need to make sure to avoid some key risks to ensure their day of merriment does not turn into disaster.  While your business insurance would likely respond to most claims, we have several tips to help reduce the likelihood of litigation.  It is worth noting that employers are responsible for the conduct of their employees at all work-related events.

Holiday Party Safety Tips

  • Limit use of alcohol.  Additionally, alcoholic options can be limited to wine and beer and the company should be sure to provide plenty of nonalcoholic beverage alternatives.
  • Hire professional servers and make sure they have insurance.
  • Make sure you have food at your party.
  • Confirm that your employees understand that a holiday party is still a work-related activity and appropriate work behavior is still required.
  • No mistletoe! This holiday symbol is an invitation for employees to engage in behavior which is inappropriate for the workplace.
  • Make attending the party optional.
  • Arrange for cab rides or transportation home for guests who may need it.
  • Encourage managers to set a good example.
  • Remind employees via email about your company’s code of conduct and substance abuse policy prior to the party.
  • Review the company’s harassment policies with employees prior to the party.
  • If you have employees bring food, be sure the food is labeled by type. Some people may have food allergies.

When business owners host a holiday party and serve alcohol as part of the festivities, liquor liability can be covered by their commercial general liability (CGL) policy. However, it is always best to check with your insurance agent or broker first.Business owners should talk with their insurance agent about their liability insurance coverage and any exclusions, conditions, or limitations to their policies for this kind of risk.

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.

 

 

Cyber Thieves Can Come Right Into Your Home

Cyber Crime Means World Wide Web And Criminal

Cyber Crime Indicating World Wide Web And Unlawful Act

A North Bay Insurance Update

The holiday shopping season is upon us, and many of us are searching our favorite web pages for the best deals on the items that top this year’s wish list.  Last year, cyber Monday was the year’s single biggest day for shopping, generating over 2 billion dollars in sales.  This year, consumer experts predict an even bigger day.  However, this online activity is also a big day for cyber criminals.

Holiday Cyber Safety Tips

  • Use a credit card rather than a debit card. It is easier to resolve issues.
  • Make sure your computer has updated security software. Verify that your antivirus software is up-to-date with the latest virus definitions, and that useful features like real-time scanning are enabled.
  • Update your passwords and make sure they are strong. Do not use 1234 as your password.
  • Do not open email advertisements for sources you do not know.
  • Use only familiar websites.
  • Check you statements to make sure charges are correct.
  • Always log out of websites after your shopping is complete. Cookies can often keep you logged into accounts even after you close the browsing tab–an obvious no-no.  Get in the habit of clicking the “log out” button.
  • Try not to do your online banking on the same computer you use to shop online.
  • An extremely important online shopping safety tip is to keep your personal information protected. No retailer needs your social security number or your birthday.
  • The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. If you use your smart phone to shop, make sure that you are only browsing safe, well-known sites.

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.

 

Sources – Protection one, CNET, Identity Hawk.com, and Tripwire.

 

 

 

 

Thieves Are Shopping For Good Deals Too, This Holiday Season

Pbfty7ersonal Insurance and Safety Update

Halloween is over and that means we are in the middle of the holiday season.  During the next 60 days, we will all be busy shopping, eating out, and traveling.  Thieves know that the police are overloaded during the holiday season, and they take full advantage it.  Burglars know that there are many expensive items in homes and cars during the holidays.

Your home or renter’s insurance will provide coverage for theft or loss if you have the coverage. Now would be a good time to call us for a free personal insurance review. Whether you are holiday shopping at the mall, online, or a little of both, keeping yourself and your personal information safe is important.  Here are a few holiday shopping safety tips:

Holiday Shopping Safety

  • Always be aware of your surroundings.
  • Lock your shopping bags in your trunk.
  • Never allow children to make unaccompanied trips to the restroom.
  • Never leave car doors unlocked or windows open.
  • Always park in lighted areas. DO NOT park in remote areas.
  • Shop with a friend.
  • Teach your child to go to a store clerk and ask for help in case your child is separated from you.
  • Avoid wearing expensive jewelry.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.

 

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.

 

Is Your Business Hiring Santa’s Helpers This Holiday?

white-male-1734415_640North Bay Business Insurance update 

This is the time of year when your business will be hiring part time workers to help you manage the holiday season. For the most part, you will not need to modify your California business insurance, but if you add new classifications or payroll, it may affect your workers’ compensation insurance.  Now might be a good time to have us complete a review of all your business insurance policies.

Here are few tips to help you manage seasonal employees

  • Make sure seasonal employees get the same training as all other employees.
  • Conduct background screenings on seasonal candidates.
  • Unless the job requires it, it is not a good idea to give seasonal employees access to computers or other secure information.
  • Don’t allow seasonal employees to work alone.
  • Remember the Fair Labor Standards Act (FLSA) requires employers to properly classify workers, pay the legal minimum wage, and pay overtime if applicable.
  • Seasonal employees should also read and sign the employee handbook.
  • Your business is legally required to carry workers’ compensation insurance coverage, as most fair-employment laws cover seasonal employees.
  • If you notice cliques or bad habits forming, don’t assume that they will self-correct.
  • Employers with 15 or more employees are subject to Title VII of the Civil Rights Act of 1964, the Americans with Disabilities Act, and other federal and state employment laws. This means your seasonal employees, just like your regular workforce, must receive adequate training on what conduct is illegal, how to report it, and how to request a reasonable accommodation.
  • Maintain a detailed account of where each employee works, the kinds of tasks they are assigned, number of hours completed, and their rate of pay.
  • When it is time to end the seasonal employment, follow the same procedures as you would with a full-time or permanent employee.

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