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.

 

 

 

 

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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.

Stop The Maddens, Get off Your Phone

car-933269_1920According to leading industry experts, distracted driving accounts for 1/3rd of all commercial auto accidents and is causing business insurance rates to rise for the 5th straight year. This is an important topic that employers need to understand and respond to.

North Bay Insurance Brokers understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

What Are The Types of Distracted Driving

  • Visual: taking your eyes off the road;
  • Manual: taking your hands off the wheel; and
  • Cognitive: taking your mind off of driving

Risk Factors

  • Drivers under the age of 23 have the highest proportion of distraction-related fatal crashes.
  • Commercial drivers that drive long hours without breaks.

Prevention Tips

  • Create a formal, written policy stating your organization’s position on mobile device use while driving.
  • Educate drivers about the risks and potential consequences of driving while distracted.
  • Make this part of your monthly safety meetings.
  • Enforce the rules.
  • Reward safe drivers.

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.

 

Does Your Computer Know What You Are Doing?

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Cyber Insurance Can Benefit Your Business

Cyber liability is the risk that every business faces today. You do not have to be a technology company to have a cyber liability risk.  According to the latest studies by insurance experts, firms with 50 or fewer employees are the most at risk of having a loss, due to lack of controls and security. In fact, your business has a greater chance of having a cyber loss than it does of having a fire.

Cyber Liability Risk Management

We recommend that every business consider cyber liability insurance. As businesses consider protecting themselves against cyber-attacks, it is important to understand what actions should be taken once a cyber breach occurs.

  1. Read your cyber liability policy, so you understand the coverage. It is important you understand the cyber risk coverage and how it works before the loss occurs.
  2. Select an independent agent like our agency, to help you design a product that fits your needs, including deductibles levels.
  3. Develop a cyber breach policy to help manage a data breach. Once a breach occurs, there should be a clear procedure for employees to follow. This would include notifying clients and vendors.
  4. Report the claim as soon as possible to your cyber liability insurer. It might also be a good idea to submit a claim to your other commercial liability insurers as well.
  5. Protect client’s information should be your first priory. Make sure you have the right coverage for notification and any legal fees as part of your cyber liability policy.
  6. Your cyber insurance should also cover breaches arising from mobile devices.
  7. Look for coverage that does not have contractual liability exclusions.

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.

 

Do I need To Insure My Valentines Gift?

jewellery-2043_640It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.

Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renter’s insurance policies restrict coverage for items like jewelry to $1,000 dollars.  In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renter’s policy.

Tips to keep valuables safe

  • Have your jewelry appraised by a qualified jewelry appraiser for insurance replacement purposes
  • Take pictures
  • Keep items in safe place
  • Take off while working outside

Our homeowners and renters insurance can provide many benefits including:

  • Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
  • Extended Replacement Cost – Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
  • Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
  • Identity Theft Protection – Pays for expenses you incur as a result of criminal identity theft.

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.

Call us today.  We can provide you will the right combination of coverage, and price, followed up with outstanding service.

 

 

 

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.