“Clark, That There Is my RV”

Motor Home

RV Motor Home Vacation Family Fun wheels tire

North Bay Recreation Vehicles Insurance

If you own a Recreational vehicle, motorcycle or other toys, insurance coverage should be part of your thinking. Remember, they are not automatically covered under your current insurance program. State law requires you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:

Liability Insurance

Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by a collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.

Uninsured or underinsured coverage

This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.

Medical payments coverage

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation if your RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.

Towing and labor coverage

Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.

At North Bay Insurance Brokers, Inc., we combine premium auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists


Don’t Let Your Home Remodel Project Turn Into An Episode Of Tool Time


A North Bay Insurance Update

A home remodeling project can create an exciting new and improved home and even increase your home’s value. However, the process can be daunting and frustrating as your home can be the center of a “war zone” during the process. While you focus on color and design issues, do not forget to consider these items.

Homeowner’s Insurance

If you are increasing the value of your home, you will need to make adjustments in your homeowner’s insurance limits. Typically, your homeowner’s insurance will not cover the contractor or his work. If the contractor causes damage to another part of your home, you will want their insurance to provide restoration.

Review Your Contract or Agreement

Before you hire a contractor make sure you consider the following:

  1. Check references
  2. Go to Yelp or Angies List to check reviews
  3. Ask the contractor to provide you with a certificate of insurance
  4. Address how change orders will work
  5. Be specific with regard to brands and products you desire
  6. Never provide 100% payment upfront
  7. All contractors who work on your home should have the following minimum insurance
  • Workers’ Compensation to state minimum or statutory
  • Commercial General Liability $1,000,000 Combined Single Limit
  • Auto Liability $1,000,000 Limit
  • Builders Risk which covers the value of the new work
  1. Some changes or remodeling projects can actually help reduce your homeowner’s insurance; for example, upgrading electrical or plumbing. Replacing an older roof can also help your insurance costs.

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.

How Will Your Business Respond?

businessman-2556923_640A Business Insurance Update

If you think about it, your business faces risks every day.  When you open your doors, you have the risk of having sick or injured employees, customer complainants, and vendors who fail to deliver on their promises.  The world has changed in the past few years and it is important for business owners to make sure their business insurance keeps up.

Recently a large insurer released their annual business risk index. This index identified the top concerns of over 1,000 business owners.  Nearly half of survey respondents believe that the business world is growing riskier, yet just 24 percent said that risk management was a strategic priority for them.

According to the survey, the top seven worries of today’s business owners across all industries are:

  • Medical cost inflation
  • Increasing employee benefits costs
  • Legal liability
  • Broad economic uncertainties
  • Tech and data/cyber risks
  • Complying with laws
  • Attracting and retaining talent

Source: Business News Daily

Let our agency help you understand how to manage and treat the risks.  We offer a wide range of highly rated insurers that can offer the necessary products to help your manage you risks.

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.


Is There Something Hiding In Your Homeowners Insurance?

Homeowner’s Insurance  For The North Bay

How many of you have actually read your homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to help you understand what coverage you have. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home.

Are There Other Coverages?

There is often other coverage found in your homeowner’s insurance policy that you may not know you have. Remember, each policy is different, so these coverage examples are general in nature.  This “hidden” coverage may have specific limits and terms of which you need to be aware, but here are some examples of coverage found in most homeowner’s insurance policies.

  • Liability coverage away from your home. You have coverage if you cause injury to a third party away from your premises.
  • Damage to your neighbor’s property. If you are at a party and cause damage to your neighbor’s property, chances are it would be covered.
  • Legal expenses. Should you be sued for an accident that occurred in your home, chances are legal costs would be covered under your homeowner’s insurance policy.
  • Additional living expenses. Your policy can pay the additional costs of living away from home if you cannot live there due to damage from an insured loss. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Many homeowners’ policies provide a small amount of coverage for stolen money.
  • Property of your college student. If your dependent child is a full-time college student living on campus, their property is covered by your homeowner’s insurance policy

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.


Are You Kidding Me?


2018 is here, and 2017 is in the rear view mirror.  Last year we saw and experienced many hardships and disasters, but also hand many successes.  We hope 2018 brings you much happiness and success.  2017 was a year in which many entire communities were destroyed by storms and wildfires, 20 million or more people experienced an identity theft, and a number of women come forward describing their sexual harassment.

Here is a list of the top risk issues for 2017

  • Wildfires in California and Oregon – over $8 billion in damage
  • Storms in Texas, Florida, and the Northeast
  • Mid slides in California
  • Flooding in California, Washington, Oregon, and most of the Midwest
  • Identity theft and cyber breaches
  • An increase in sexual harassment claims
  • The continued evolution of driverless vehicles
  • The regulation of drones
  • Advances in home technology
  • Retention of key employees
  • The ability to attract quality workers
  • Terrorism
  • Random shootings

Over the next few months we will try to help you develop a clear plan on how to manage these risks. Please contact our office and we will be happy to help you identify what is important to you and then put together a plan to help you manage you risks most effetely.  Here are two important issues you may be facing in 2018

Identity Theft and Cyber Breaches

Identity theft insurance provides reimbursement to victims for the cost of restoring their identity and repairing credit reports.  This type of insurance will help you with certain kinds of expenses to aid you in restoring your credit.Cyber policies cover the liability arising from website media content as well as breach related property losses such as: (a) business interruption, (b) data loss/destruction, (c) computer fraud, (d) funds transfer loss, and (e) cyber extortion.  It can also provide notification and other services for a covered loss.

Harassment Claims

Your business must address this issue head on.  First, you need to secure employment practices liability insurance.  This insurance will offer defense and indemnification coverage should you be involved in an employment litigation.  Second, your business needs to have a clear anti-discrimination policy.  The policy should include reporting procedures and anti-whistleblower provisions.

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.


The Crystal Ball Says


When was the last time you reviewed your personal insurance coverage? The New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of personal insurance coverage and price.

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

 Other Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Plan foreign travel
  • Started a home based business
  • I now drive my personal car for work

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.



Don’t Wait For A Flood To Prepare For A Flood

White house in water, flood

White house in water, flood

North Bay Home Insurance and Personal Safety Update

There are many events that can create devastation to homes and families. These events can include winds, floods, fire, and more.  Your homeowner’s insurance may not automatically cover wind or flood damage, especially if you live in a high-risk area.  Homeowner’s insurance coverage can be adjusted or separate flood and wind coverage can be purchased.

Now is the time to prepare

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Notify neighbors and family members of your plan.
  • Plan for any special medical needs.

Your Emergency Kit Should include

  • Three-day supply of food and water
  • Medications
  • Sanitation and personal hygiene items
  • Flashlight
  • Whistle
  • Cash
  • Photocopies of identification and credit cards
  • Batteries
  • Basic tools
  • Solar power source for smart phone
  • Dust masks for every family member
  • Items for infants such as formula, diapers, bottles, and pacifiers
  • First aid kit

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.

Flood insurance is available through the federal government’s National Flood Insurance Program, however, it’s a better bet to purchase a flood insurance policy from the same agent or company who provides you with your home insurance. Here’s why: your agent or current insurance company can provide much higher limits of coverage than the NFIP, especially if your loss proves to be catastrophic. There is usually a 30-day waiting period before this type of insurance becomes valid.