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B.I.G. Blog

Summer Can Be Risky for Everyone Jul 29, 2017
A Personal Insurance and Safety update
Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com.

It is also important to have a personal insurance review to make sure all your summer activities are covered.  For example, if you have purchased a boat, you may need a separate watercraft policy.  In addition, if you have installed a pool you will need to add that risk to your homeowner’s policy.  We want you to have an enjoyable and safe summer, so here are some reminders about summertime safety.

Some of the Top Summer Risks

River water can be very cold, especially as the early snowmelt flows downriver.  Even if it is 100 degrees outside, the river water temperatures can be very cold.

If you are planning foreign travel, remember to check travel advisories.  Also, be sure you have all your medical issues managed correctly.  Check with your health insurer, as many will not provide coverage in foreign countries.

Don’t forget your pets. Summer heat can affect your pets, so make sure they are not left in vehicles or in homes during long heat waves.

When you are on the water, do not mix drinking and water craft driving.  Verify that you have life vests for everyone and keep life vests on all children all the time.
Heat stress is one of the most common illnesses during summertime.  The risk of getting skin cancer is much higher among people who sunbathe, and especially those who have experienced multiple sunburns.
Barbecues and fire related risks increase during the summer.  Always keep children away for open fires, and keep barbecues away from buildings.

When riding your bike we recommend you always use a helmet.

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
Insurance Mistakes Jul 18, 2017
There are a number of common mistakes some individuals and businesses make when it comes to purchasing insurance. Insurance is the product you buy in case the unexpected happens. Unfortunately, by the time you need it, it's too late to make sure you have the right type and amount of insurance coverage. Make sure you don't make the following mistakes while buying business insurance or personal insurance.

Having two agents is better because they keep each other competitive
Having two agents duplicates effort and can create coverage gaps. For example, there are certain coverage’s that can be included under a liability policy and auto policy. One agent is better able to manage your entire insurance program.

The lower the premium the better
Premiums are determined by a combination of exposures and coverage. If you get a lower premium you may be missing needed coverage. For example, does the lower premium include replacement cost   coverage on buildings and equipment?

The internet is a great place to get good insurance deals
Low cost internet insurance usually allows you to select the coverage and limits you want. But in most cases you end up with a limited and inadequate program. You find this out after you have an uninsured claim.

Not having the right value for your personal property
Most people under value their personal belongings. We recommend you complete a home inventory to make sure you have the correct value on all your property. Remember, the insurance covers what it costs to replace the item not what you paid for it.

Believing the TV commercial said it was covered
All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.

As an independent agent, we have relationships with many A-rated national and regional insurance companies, we provide a comprehensive array of insurance products for a variety of personal and commercial clients.

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
Why Read Your Insurance Policy? Jul 7, 2017
We know that reading an insurance policy can be tough. The insurance industry is working hard to make auto, home and business insurance policies easier to read. Most insurance policies are 40 to 60 pages, with lots of legal terms that are hard for even attorneys to understand.

But the fact remains, it is very important that you read and understand your insurance policy. To help make the task easier for you, we offer this guide.

Insurance Policy Reading Tips

Start With The “Declarations Page”
Check all information to make sure it is correct.

Review address, policy dates and names insured.

Review limits to make sure they are what you ordered.

Confirm premium information.

For Auto Policies, Check The “Vehicle Information”

Is the correct vehicle identified?
Verify the VIN number.

Confirm the vehicle’s value.

Review the list of drivers if they are identified.

The “Insuring Agreement”
This is the section where most of the key coverages will be found. Take time to review the various coverage and coverage terms.

“The Exclusions”
It is very important to read this section as well. Typical examples of excluded perils under a homeowner’s policy are flood, earthquake, and wear and tear. A typical example of an excluded loss under an automobile policy is damage due to wear and tear. Business insurance exclusions can include employment liability, cyber liability, and criminal acts.

“Definitions Section”
Every policy should include a Definitions Section to provide an explanation of certain language.

We are your trusted partner. Call us to help you better understand your policy. We can help explain what is in your policy and more importantly, help make sure that you are appropriately protected for the future.
Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
Technology And Home Safety Jun 29, 2017
Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”

Here are a few technologies that will help keep your home safe, and will also lower insurance costs.

Security systems -- It seems like everywhere you go, there's a camera capturing images. If you own a smartphone or tablet, you probably have a camera that's built into the device. You can not only secure your home, but actually see what is going on through videos.

Electronic locks -- Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.

Connected appliances -- Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.

Leak detection systems -- Smart homes can be controlled from your phone, and when connected to your home's water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.

Timed lighting -- Having outside and inside lights come on during the evening while you are away deters burglars.

Smoke and fire detectors -- Having good detection systems keeps your family safe and insurers provide discounts for these.

Home weather warning systems -- There are weather warning programs that can detect high winds and identify severe weather earlier than ever.

We offer all types of Personal Insurance coverages to our clients including Auto, Homeowners, Motorcycle, Boat, Car, Renters and Umbrella. Our benefits department can also assist you in protecting you and your family with Life, Insurance. 
Protect Yourself From Unhappy Employees Jun 12, 2017
Employment related risks may be some of the most costly for California businesses. Most EPLI claims are centered on sexual harassment and wrongful termination. Firms with less than 50 employees are prone to have more exposure due to lack of human resources expertise.

According to EEOC enforcement and litigation statistics, the number of filings alleging employment discrimination (including race, age, disability, religion and national origin) totaled 88,656 in 2012, the greatest number of charges received by the federal agency since 2002 and the largest annual increase (9 percent) since the early 1990s.

Employment claims can be distracting and emotional for business owners. Owners may feel betrayed by employees they've known and trusted. Claims can take more than a year to resolve and many businesses suffer while owners fight a claim.

Here are quotes form business owners about EPLI claims:

“I had no idea that it would cost $50,000 to defend myself, and I was in the right” -- John, owner of a tech firm
"It was the hassle factor that was so distracting. The entire ordeal caused a lot of sleepless nights." -- Owner of a bottling plant
According to the Insurance Journal, “Employment practices in California is a known and growing concern for insurers, agents and employers, and that concern has some carriers ramping up rates dramatically or quietly pulling back from the area. Say those familiar with the region’s market.”

Employment Practices Liability Insurance (EPLI) is designed to help employers respond to growing EPL exposures, such as:
Harassment
Wrongful Termination
Equal Employment Opportunity Commission (EEOC) and other government authorities
Breach of employment contract
Discrimination
Wage and hour claims
Invasion of Privacy
Compensation Issues
Employee Benefits Administration
 
In today’s world employers can no longer assume all employment relationships will go smoothly. Finding a suitable Employment Practices Liability Insurance program has become one of the single most important things owners and managers can do. 
Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.

Let us help you cut your insurance cost! Just give us a quick call today at (888) 443-7744 or Submit one of our quick online quote forms - with the help of our dedicated business partners; we conveniently offer an entire solution for all your insurance and business needs.
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