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Is your dog on the blacklist?

McVey Insurance, CA, Dog BlacklistedFido is your best friend.  He’s been with you through the thick and thin.  Your family is not complete without him and now you are looking to purchase a home.  One of the things that you will need to do is to get homeowners insurance.

But did you know that not all breeds are insurable under the homeowners insurance?  That’s right.  In fact, there is quite a few breeds that won’t be covered.

  • Siberian Huskies.  Although their behavior is mainly friendly, these dogs are strong and can be difficult to control.   Siberian Huskies have predatory instincts and therefore are not good around other small animals.
  • German Shepherds.  German Shepherds are known for their aggressive behavior and to be great police and military dogs.
  • Alaskan Malamutes.  Intelligent, independent, and Strong-willed are characteristic traits of this dog, making training and controlling this dog difficult.
  • Akitas.  This breed is all about domination and independence.  Some countries have labeled this breed as a dangerous dog.
  • Perro de Presa Canario.   Remember the San Franciscan who was mauled to death in the condo hallway?  The Perro de Presa Canario was at fault for that attack.
  • Great Danes.  Often called the “gentle giant,” the Great Dane can become aggressive if not trained at an early age.
  • Chow Chows.  Overly protective of  their family, Chow Chows can be very aggressive towards people and other animals.
  • Rottweilers.   This breed of dog is typically good-natured and a great working dog, however without the proper training or environment this dog can become very aggressive.
  • Doberman Pinschers.  Dobermans were originally bred to be guard and protection dogs due to their size and intimidation factor.
  • Pit Bulls.  Of course you were going to see this breed on the list.  When there is a dog attack, generally the breed that is blamed is the pit bull.

Be aware that if you have one of the listed breeds, you may have a hard time finding coverage.  Contact our office today so we can help you get the coverage that you need.

Content provided by Transformer Marketing.

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How Do Umbrella Policies Extend and Broaden Existing Policies?

What do umbrella policies do?

Insurance professionals can’t help themselves. We rely on wonk-ish diatribes to describe umbrella policies because they are technical in nature.

So let’s try to simplify.

McVey Insurance. CA, Umbrella InsuranceMost companies buy insurance because they are required by law. Workers’ compensation and automobile liability allow companies to hire employees and use public highways. If they own property, their lender requires insurance. If the company leases space, the landlord requires premises liability.

But the real reason to buy insurance: trade a known loss (premiums) for unknown losses (claims). Your company can budget for the acceptable level of known loss which protects against normal, everyday losses associated with entrepreneurship.

Now the umbrella policy: you’re buying catastrophic loss coverage for imaginable claims. The multi-passenger near fatal car wreck or the nightmare products liability claim that costs millions in damages.

You’re also buying coverage for unimaginable claims. Claims not covered by your automobile, general or employer’s liability:

  • Do you promote your company through social media? Libel and slander losses are covered by personal injury liability, usually excluded in general liability policies, usually covered on umbrellas.
  • Do you send employees out of the country? The stated territories for coverage under standard general and automobile insurance is the United States and Canada. For umbrellas, it’s worldwide. Now, some umbrellas specifically expand territory language to include “anywhere” because of commercial space travel.
  • Any possible sexual harassment in your organization? Again, usually excluded by general liability, but included under umbrella coverage.

These examples of rare occurrences give a taste of the importance of umbrella liability. Your company can be blindsided by large liability claims that are not anticipated by your typical liability coverage. Broaden the territory, widen the safety net, spend a little more premium, get more peace of mind.

Trade a little more known loss, your umbrella premium, for a lot of protection against the unimaginable loss.

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Don’t forget insurance for your organization’s cyber risks

McVey Insurance, CA, Cyber SecurityThe federal Internet Crime Complaint Center received more than 330,000 complaints in 2009, and more than a third of them ended up in the hands of law enforcement. The damages from those referred to the authorities totaled more than a half billion dollars. The Government Accountability Office estimated that cyber crime cost U.S. organizations $67.2 billion in 2005; that number has likely increased since then. With so much of business today done electronically, organizations of all types are highly vulnerable to theft and corruption of their data. It is important for them to identify their loss exposures, possible loss scenarios, and prepare for them. Some of the questions they should ask include:

What types of property are vulnerable? The organization should consider property it owns, leases, or property of others it has in its custody. Some examples:

  • Money, both the organization’s own funds and those it holds as a fiduciary for someone else
  • Customer or member lists containing personally identifiable information, account numbers, cell phone numbers, and other non-public information
  • Personnel records
  • Medical insurance records
  • Bank account information
  • Confidential memos and spreadsheets
  • E-mail
  • Software stored on web servers

Different types of property will be susceptible to various threats, such as embezzlement, extortion, viruses, and theft. What loss scenarios could occur? The organization needs to prepare for events such as:

  • A fire destroys large portions of the computer network, including the servers. Operations cease until the servers can be replaced and reloaded with data.
  • A computer virus infects a workstation. The user of that computer unknowingly spreads it to everyone in his workgroup, crippling the department during one of the year’s peak periods.
  • The accounting department discovers a pattern of irregular small funds transfers to an account no one has ever heard of. The transfers, which have been occurring for almost three months, were small enough to avoid attracting attention. They total more than $10,000.
  • A vendor’s employee strikes up a casual conversation at a worker’s cubicle and stays long enough to memorize the worker’s computer password, written on a post-it note stuck to her monitor. Two weeks later, technology staff discovers that an offsite computer has accessed the human resources database and viewed Social Security numbers, driver’s license numbers, and other personal information.

In addition to taking steps to prevent these things from happening, the organization should consider buying a Cyber insurance policy. Several insurance companies now offer this coverage; although no standard policy exists yet, the policies share some common features. They usually cover property or data damage or destruction, data protection and recovery, loss of income when a business must suspend operations due to data loss, extra expenses necessary to maintain operations following a data event, data theft, and extortion. However, each company might define these coverages differently, so reviewing the terms and conditions of a particular policy is crucial. Choosing an appropriate amount of insurance is difficult because there is no easy way to measure the exposure in advance. Consultation with the organization’s technology department, insurance agent and insurance company might be helpful. Finally, all policies will carry a deductible; the organization should select a deductible level that it can afford to pay and that will provide it with a meaningful discount on the premium. Once management has a thorough understanding of the coverages various policies provide in relation to the organization’s exposures, it can fairly compare the costs of the policies and make an informed choice.

Computer networks are a necessary part of any organization’s environment today. Loss prevention and reduction techniques, coupled with sound insurance protection at a reasonable cost, will enable an organization to get through a cyber loss event.

Content provided by Transformer Marketing.

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Happy Holidays from your friends at McVey Insurance

McVey Insurance, CA, Happy Holidays

Happy Holidays!

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It’s A Wonderful Life on the big screen

No holiday season is complete without a showing of Frank Capra’s classic, It’s A Wonderful Life.  Grab the family and get ready for a wonderful Christmas treat.

It’s A Wonderful Life is a tale about George Bailey (James Stewart) who never turns anyone away.  The sad thing is that George believes everyone, including his family would be better off without him.  Under pressure George flies off the deep end on Christmas Eve.  An angel appointed to George intervenes and shows George what the town of Bedford Falls would be without him and what his friends and family would be like without him.

Where:  State Theater of Modesto
1307 J Street
Modesto, CA 95354

When:  Friday, December 20th, 2013 at 6:30 p.m.

How much:    $8-$10/pp

Who:   Family

Content provided by Transformer Marketing and http://events.modbee.com/modesto_ca/events/show/368800420-movie-night-its-a-wonderful-life

 

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Be safe this holiday season!

Every Christmas season, people all over love to hop in their cars and check out the Christmas lights and decorations in hosting neighborhoods.  People go back to their homes and start decking their house to enjoy.  But did you know that each year, accidents involving trees and decorations damper the Christmas mood?  Here are a few tips to help prevent accidents from occurring.

  • When purchasing an artificial tree, find one that reads, “fire resistant.”   This will make extinguishing a fire easier.
  • If you choose to go with a live tree, get one that is fresh and green.  If you buy one earlier in the season, make sure it is watered to help prevent drying out.
  • Place your tree away from heaters, radiators and fireplaces.  Make sure the tree is out of the way and is not an obstruction.
  • Decorate with flame resistant tinsel.
  • All breakable and sharp tree ornaments are high, out of the reach of the children.
  • When using lights, make sure the lights have been tested and that it’s clearly labeled on the box.
  • Prevent outdoor lights from blowing away by securing the lights to the home or tree.

We hope these few tips will help your Christmas season be accident free.

Content provided by Transformer Marketing.

 

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Happy Thanksgiving!

McVey Insurance, Modesto CA, Thanksgiving turkeyAs another year of blessings, health, love, laughter and fun passes, we would like to give thanks on this special day.

Thank you! Thank you for your confidence and loyalty. Thank you for your trust and friendship. Thank you for illuminating our year.

We hope many more blessings are coming your way!

Happy Thanksgiving.

Sincerely,

Your McVey Insurance Agency Team!

 

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What is general liability insurance?

What is General Liability Insurance?

It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Protection of your business’ property from:

  • Fire
  • Theft
  • Vandalism

Claims due to:

  • Bodily injury
  • Property Damage
  • Negligence

You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today.

Content provided by McVey Insurance.

McVey Insurance Agency, Modesto, California

Since 1959, McVey Insurance has been serving California’s Central Valley, we are a leader in Personal, Commercial and Life Insurance products.

Are you a business owner looking for competitive insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, McVey Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality.

Are you looking for personal insurance?  Our strong relationships that we have developed with our carriers will help you the valuable protection you need whether it be life insurance, a personal automobile policy, or health insurance in Central California, our experienced agents will take care of you.

If you are a Happy Customer, we would love to hear from you!

McVey Insurance
1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177
Fax: 209-577-0288
Website | Facebook | Email | LinkedIn | Happy Customer

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11 Behavior-Based Programs

Safety programs based on changing employee behavior can help companies reduce the rate of accidents in the workplace – while slashing the frequency and severity of Workers Compensation Claims.

That’s the word from behavioral psychologist Daniel J. Moran, Senior Vice President of Quality Safety Edge (Joliet, IL), at a recent joint meeting of the Risk & Insurance Management Society Inc. and the American Society of Safety Engineers.

Moran noted that data from the Occupational Health and Safety Administration and Mercer L.L.C. show that businesses can save $3 to $6 in Workers Comp claim costs for every $1 they spend on behavior-based safety programs. He cited claims data from a major refinery, an energy firm, and a logging company that enjoyed significant reductions in lost-time Comp claims after they implemented behavior-based safety processes.

According to Moran, employees tend to engage in unsafe behaviors because improper shortcuts often, “have benefits, while accidents are rare. “If you’re not wearing your hard hat, you’re a lot more comfortable,” he said. “If you cut a few corners to make deadline, you… make that money.”

Moran advised companies to encourage safer behavior by rewarding workers who follow proper procedures. This includes pinpointing work procedures that help make them safer, measuring the use of safe workplace behaviors, giving positive feedback to workers who follow procedures, reinforcing good behaviors with individual and group rewards and, “social recognition, and conducting regular evaluations,” to see how safety can be improved.

Sounds like sound advice.

Some content provided by:  http://www.businessinsurance.com/article/20130220/NEWS08/130229975

 McVey Insurance Agency, Modesto, California

Since 1959, McVey Insurance has been serving California’s Central Valley, we are a leader in Personal, Commercial and Life Insurance products.

Are you a business owner looking for competitive insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, McVey Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality.

Are you looking for personal insurance?  Our strong relationships that we have developed with our carriers will help you the valuable protection you need whether it be life insurance, a personal automobile policy, or health insurance in Central California, our experienced agents will take care of you.

If you are a Happy Customer, we would love to hear from you!

McVey Insurance
1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177
Fax: 209-577-0288
Website | Facebook | Email | LinkedIn | Happy Customer

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Happy Halloween from your friends at McVey Insurance

McVey Insurance, CA, Happy Halloween

McVey Insurance Agency,  CA

Since 1959, McVey Insurance has been serving California’s Central Valley, we are a leader in Personal, Commercial and Life Insurance products.

Are you a business owner looking for competitive insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, McVey Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality.

Are you looking for personal insurance?  Our strong relationships that we have developed with our carriers will help you the valuable protection you need whether it be life insurance, a personal automobile policy, or health insurance in Central California, our experienced agents will take care of you.

If you are a Happy Customer, we would love to hear from you!

McVey Insurance
1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177
Fax: 209-577-0288
Website | Facebook | Email | LinkedIn | Happy Customer

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McVey Insurance
Contact us!

1231 8th Street Suite 100
Modesto, CA 95354
Office: 209-577-0177  
Fax: 209-577-0288
www.mcveyinsurance.com
Lic#0821827

McVey Testimonials
I’ve been working with James for about 3 years. He has always gone above and beyond to ensure I have the coverage I need at the best possible price. I don’t have to worry about anything, he handles it all. I’ve had several claims where I felt like he was representing me, not an insurance company. If you haven’t talked to him…You should. Thanks James. Bear W. Modesto, CA
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