3 Simple Ways to Reduce Car Accident Risks

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Spring is here!  With warmer weather comes more activities to be outside including driving to beaches, areas in your neighborhood, or even weekend road trips.

Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the road.

You can take control of your next trip, whether it’s across the state or across town, by following these simple rules:

  1. Pay attention. Do you know how many drivers around the country are using cell phones or other electronic devices right now? If it’s daytime, the answer is approximately 660,000, the National Highway Traffic Safety Administration Anything that takes your eyes off the road or distracts you increases your risk of a crash. Here’s another reason to avoid distractions: If you’re completely alert, you have a better chance of steering clear of that guy who is texting on his way to work.
  1. Stay sober. One bad decision can change lives forever, and driving under the influence is an extraordinarily bad decision. Nearly 15,000 died in 2012 in crashes involving impaired drivers, according to the National Safety Council (NSC). So get a designated driver — or better yet, be a designated driver.
  1. Slow down. They say “speed kills,” and, as depressing as it sounds, it’s true. Crashes caused by excessive speed cause more than 10,000 deaths a year on average, the NSC Surprisingly, you are most at risk on roads where the speed limit is 55 mph or below. Remember, the posted speed limit isn’t always the best speed to travel. Depending on conditions, going slower might be the safest option.

Just a little common sense can make a big difference for you and the safety of others around you, your passengers and your fellow drivers.

Be alert and be safe out there on the road.

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CUESA’s Volunteer of the Month: Christian Herman

Congrats to our fellow agent, Christian Herman!  christian

Since August 2015, Christian has been volunteering with CUESA (a local non-profit organization that manages the San Francisco Ferry Plaza Farmers Market since 1999).  He was just named Volunteer of the Month by CUESA for his hard work and efficiency, which we see in his work at Riskguard Insurance on a day-to-day basis.

Christian left the restaurant industry to join the insurance business in 2015.  He brings to the office fresh ideas and insight, over 10 years of restaurant management experience, and a great attitude to educate and help commercial clients.

Check out the article here and learn a little bit more about Christian here:

http://www.cuesa.org/article/volunteer-month-christian-herman

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Workers Comp in CA: Some Info on First Aid Claim Reporting

 CALIFORNIA POLICYHOLDERS

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The purpose of this notice is to inform you that the Workers’ Compensation Insurance Rating Bureau (“WCIRB”) California Workers’ Compensation Uniform Statistical Reporting Plan (the “Plan”), effective January 1, 2017 requires that all workers’ compensation medical payments be reported to the WCIRB, including “first aid” claim payments, which is defined by Cal. Lab. Code § 5401(a) (West 2016), as follows:

. . . . “[F]irst aid” means any one-time treatment, and any follow up visit for the purpose of observation of minor scratches, cuts, burns, splinters, or other minor industrial injury, which do not ordinarily require medical care. This one-time treatment, and follow up visit for the purpose of observation, is considered first aid even though provided by a physician or registered professional personnel.

This means that all first aid claims, regardless of whether payment is made by you or us, need to be reported to the WCIRB.  In order for us to be in compliance with the law, we will require that all medical losses, including first aid payments as defined under Labor Code 5401(a), be reported as policyholder losses.

We pay first aid claims at the applicable contract rate for network services or the Official Medical Fee Schedule (“OMFS”) for non –network services. Policyholders that pay bills directly may pay more than the contract rate or the OMFS which increases the amount reported for medical losses to the WCIRB. First aid medical losses will be considered when an employer’s experience modification is calculated and will be included on loss runs.

Please provide us with any and all medical bills that are paid by you on this workers’ compensation claim, regardless of whether they are first aid bills or not, along with any medical report(s) and documentation of payment, for appropriate review and reimbursement.
Courtesy of Republic Indemnity Insurance

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Flood Insurance: What do you need to know?

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With the wet weather we’re having in California (finally!), the question of whether or not you have flood coverage comes to mind.  Did you know that your standard homeowners insurance doesn’t cover flood damage?

At Riskguard Insurance, we want you to be educated about all of the risks you may face – before a loss occurs – so you can determine what insurance coverage is appropriate. Spring is a prime season for flooding, so now is a good time to review your options.

Because very few companies offer flood insurance, the U.S. government created the National Flood Insurance Program (NFIP) in 1968. Available to homeowners, renters and business owners, this insurance often is required to obtain a mortgage in areas at high risk of flooding.

But you might want to look into a policy just for peace of mind, even if you don’t live in flood prone area. According to the NFIP, nearly 25% of the program’s claims occur in moderate- to low-risk areas. Check out the questions and answers below to help determine if flood insurance is right for you.

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To participate in the NFIP, a community must adopt and enforce a floodplain management ordinance with rules regarding construction in certain flood-prone areas. In exchange, the government makes flood insurance available within that community. We’re happy to help you find out if you’re eligible for flood insurance. Just give us a call at 415-447-4212. You can also visit http://www.fema.gov/fema/csb.shtm.

 What does it cover?

The NFIP provides coverage for both the structure and its contents. Coverage for contents is optional in some cases, so you may want to give us a call to discuss other coverage for your personal property.

Keep in mind that you typically can’t purchase flood insurance and have it take effect the next day. There is usually a 30-day waiting period. (Exceptions to this rule apply, however, particularly when the insurance is required by a lender and is purchased during the process of securing a mortgage.) If you think you need flood insurance, don’t wait to buy a policy!

What doesn’t it cover?

Generally, government-issued flood insurance will not cover the following: Buildings entirely over water or principally below ground, gas and liquid storage tanks, animals, aircraft, wharves, piers, bulkheads, growing crops, shrubbery, land, roads, machinery or equipment in the open and most motor vehicles.

How much does it cost?

As with all insurance policies, the cost of flood insurance varies depending on your situation. If your home or business is in a high-risk area, such as a “special flood hazard area,” your premium naturally will be higher than those in low- or moderate-risk zones. Premiums are based on how old the building is, how many floors it has, the location of its contents, your deductible and more. Renters insurance is typically less expensive, as renters generally insure their belongings and not the building.

Where can I find more information?

As always, we are happy to help you determine your insurance needs. Give us a call at 415-447-4212. The NFIP website, at http://www.fema.gov/national-flood-insurance-program, has plenty of answers as well.

Stay safe, dry, and covered!

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Donation to the Children’s Book Project

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Our book drive came to a close on Monday, 12/19/16.  We collected over 100 books!  Thank you to everyone who contributed either by donating a book or making a monetary donation directly to the organization.

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Two of our agents, Christine Kao and Kelson Herman, went to drop off our donation today.  Riskguard Insurance will also be making a monetary donation as well.

The Children’s Book Project is a great organization and helps so many people in need of books.

Just because our book drive came to an end, doesn’t mean you can’t still help!  You can always drop by during their hours to make a book donation or make a monetary one here:

https://www.networkforgood.org/donation/ExpressDonation.aspx?ORGID2=94-3229734&vlrStratCode=8Qe3oj8m0%2bpmKILobcNGFX1zrqbys%2fsqTv1rW72iUX5Kq%2fdcklV%2bTQwY3XaGJu%2b%2f

Book drop offs are at the old Francis Scott Key School location.

Thanks again to everyone who participated!  Riskguard Insurance Solutions, Inc. and The Children’s Book Project appreciate it!

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Reminder: Holiday Book Drive until Monday, Dec. 19,2016

holiday-book-drive-fun-textRiskguard Insurance Solutions, Inc. is working with the Children’s Book Project this holiday season to collect books for children in need. 

Our Holiday Book Drive is still going on until Monday, December 19th, 2016!

Feel free to drop by our office with a book (or more!) or you can donate directly to the Children’s Book Project:  https://www.networkforgood.org/donation/ExpressDonation.aspx?ORGID2=94-3229734&vlrStratCode=GnekWhjL%2ffWMBHOIofnBVZ8j1rWjDSZ5nlTcOEfezxkRI%2fHzRUZrwfe98tbyUvDD

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Two of our agents, Kelson Herman and Christian Herman, were able to stop by the Chronicle Book Sale yesterday and pick up a whole box of books as part of our donation from Riskguard.  Thanks, guys!

 

The Children’s Book Project was founded to help build literacy by providing free, new and gently used books to children who need them.  Since 1992, they have given away over 2 million books to help people build home and classroom libraries.

 

How to help or make a donation:

  1. Drop off new or gently used children’s books at our office at 422 Presidio Ave., San Francisco 94115 during the weekdays of Monday-Friday 9am-4:30pm
  1. Make a monetary donation directly to the Children’s Book Project through Network for Good (If you want to mention Riskguard, please put our name in the Dedication or Gift section): https://www.networkforgood.org/donation/ExpressDonation.aspx?ORGID2=94-3229734&vlrStratCode=GnekWhjL%2ffWMBHOIofnBVZ8j1rWjDSZ5nlTcOEfezxkRI%2fHzRUZrwfe98tbyUvDD

 

Questions?  Contact Christine Kao- christine@riskguardins.com or 415-447-4212

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Holiday Book Drive 2016!

holiday-book-drive-fun-textRiskguard Insurance Solutions, Inc. is working with the Children’s Book Project this holiday season to collect books for children in need. 

The Children’s Book Project was founded to help build literacy by providing free, new and gently used books to children who need them.  Since 1992, they have given away over 2 million books to help people build home and classroom libraries.

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What type of books are they looking for? 

  • New and gently used children’s books for children of all ages- infants to teenagers.  (Please do not give textbooks, encyclopedias or old library discards.)

 

How to help or make a donation:

  1. Drop off new or gently used children’s books at our office at 422 Presidio Ave., San Francisco 94115 during the weekdays of Monday-Friday 9am-4:30pm
  1. Make a monetary donation directly to the Children’s Book Project through Network for Good (If you want to mention Riskguard, please put our name in the Dedication or Gift section): https://www.networkforgood.org/donation/ExpressDonation.aspx?ORGID2=94-3229734&vlrStratCode=GnekWhjL%2ffWMBHOIofnBVZ8j1rWjDSZ5nlTcOEfezxkRI%2fHzRUZrwfe98tbyUvDD

 

Questions?  Contact Christine Kao- christine@riskguardins.com or 415-447-4212

 

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