Monthly Archives: March 2016

Vacant Home Insurance

by Patrick Ramsay

According the latest U.S. Census statistics, there are approximately 13 million vacant year-round homes in the United States. Just like occupied homes, these vacant homes must be covered, too. While it is tempting to skimp on coverage to save money, it is important to ensure you are fully covered so you don’t end up taking a loss when something does happen to your property.

Finding the right vacant property insurance can be quite a difficult task because a typical homeowners policy won’t cover the property after it is vacated. Whether you’ve moved out and haven’t found a buyer or are renovating your home, it’s vital to keep your property properly covered.


A few facts about vacant home insurance:

  • There is more risk associated with a vacant home than with one that is full of people because there is no one living there to take care of the home if something happens to it.
  • These homes are more likely to be broken into, vandalized, or damaged during a storm.
  • Intruders who enter the home may be hurt which may result in a liability claim against you.

When is a home considered vacant?

In most cases, homes sitting more than thirty days without people should have a vacant home insurance policy in order to be protected.


Whether you’re in between renters or you’re fixing up a house before flipping it, a vacant home is a liability you don’t want to let go uncovered. Contact one of our agents at insureCAL for a quote to find out how much your vacant property insurance policy will cost.

Disaster Recovery Plan 101

by Patrick Ramsay

A disaster recovery plan (DRP) is used to describe how an organization plans to deal with potential disasters. While it may seem straightforward, many factors must be accounted for. Disaster recovery planning utilizes an analysis of the whole business to gain an understanding of essential operations that must continue. DRPs consist of three basic parts: preventive measures, detective measures, and corrective measures. Preventive measures will try to keep a disaster from occurring. Detective measures are taken to discover the presence of any unwanted events. Lastly, corrective measures attempt to restore a system after a disaster takes place.


What factors determine your DRP?

The right plan will vary from one business to another based upon many different factors. Factors such as the type of business, the processes involved, and the level of security needed will help determine your unique DRP for your business. DRPs can be utilized for natural disasters and man-made disasters.

Why have a DRP? Some of the benefits of a DRP are:

  • Providing a sense of security
  • Minimizing risk of delays
  • Guaranteeing the reliability of standby systems
  • Providing a standard for testing the plan
  • Minimizing decision-making during a disaster
  • Reducing potential legal liabilities
  • Lowering unnecessarily stressful work environment

disasterrecoveryplanOne major component of a DRP is the call tree. A call tree is a telecommunications chain for notifying specific individuals of an event. These are especially helpful if an organization must reach key personnel after regular business hours and notify them of a problem. In order for a call tree to be successful, employee contact information must be kept up-to-date and employees should provide multiple ways they can be reached. In small or midsize businesses, call trees are typically carried out manually. In these cases, each person on the call tree contacts the next person on the list and that person contacts the next person until everyone on the call tree has been reached. The last person on the call tree calls the first person and the loop is complete. Once everyone is informed of a disaster, people can start fulfilling their specific duties within the DRP.

Most businesses are ill-prepared to handle disasters. Only about 50 percent of companies even report having a DRP, and of those companies that have a DRP, many have never tested their plans. Don’t let your business get caught in the dark in the face of a disaster. Develop a proper disaster recovery plan!

4 Long Haul Trucking Hacks

by Patrick Ramsay

Being a long haul truck driver presents many challenges. With hours of road ahead, and oftentimes, hundreds of miles between point A and point B, anything that brings more comfort or convenience to long hauls is important to utilize. Here are a few things we recommend.


  1. Podcasts: Named after the combination of the words “iPod” and “broadcast”, podcasts are digitally recorded radio or talk shows that are available online and can be downloaded on your mobile device. With hundreds of thousands of free podcasts at your fingertips, feeding your mind while you’re behind the wheel is easier and more entertaining than ever.
  2. Mini Fridge: Proper sustenance is of the most vital factors in having a good long haul. With a mini fridge, you can have access to fresh food right inside the cab of your truck. From ice-cold energy drinks to storing leftovers, a mini fridge will bring plenty of benefits to your long haul.
  3. Long Haul Trucker Seat Cushion: Anyone who has done a long haul can tell you sitting for several hours at a time can bring on incredible discomfort. This makes your choice of seat cushion incredibly important. A thick, well-designed cushion like the Long Haul Trucker Seat Cushion from Sharper Image will go a long way in making your trips easier on your body. A great seat cushion will allow you to sit for hours by virtually eliminating pressure points.
  4. Mobile WiFi Hotspots: Staying connected to the people who are important to you while on the road is an important part of keeping your morale up. While phone calls to loved ones are great, there’s nothing quite like talking face to face. With mobile WiFi hotspots, you can connect to the internet and use video chat, making the distance between you and your loved ones seem a bit smaller.

long haul

Long haul trucking is hard work, but with recent developments in technology, this demanding industry is becoming even more driver-friendly. What are some of your favorite long haul trucking hacks?

From Bumper to Bumper: Limousine Insurance

by Patrick Ramsay

The importance of having auto insurance when you’re behind the wheel of a regular vehicle is important. That’s something you learn before you can drive, but what happens when you get behind the wheel of something bigger like a limousine?

Limo Tony

insureCAL Advisor “Limo Tony”

You’re going to take that dire need for coverage and stretch it from bumper to bumper. When you’re shopping for limousine coverage there are several important factors to consider. Because you’re business involves the transportation of people in your limo, you need coverage for passengers and your risk for a liability claim. Here are some types of coverage you may need:


  1. Personal Injury limousine insurance: Personal injury limousine insurance will cover the costs of accidents where injuries occur involving your limousine. This coverage can include, medical and rehabilitation bills, lost wages, and funeral costs.
  2. Collision and comprehensive coverage: This is a basic straight-forward coverage that will cover the cost if there is an accident. Comprehensive coverage will cover the cost of theft, fire, vandalism and many other types of damages.
  3. Uninsured and underinsured coverage: This provides coverage if you’re in an accident and the other driver is at fault but does not have sufficient coverage to pay the costs. This type of coverage is required in many states.
  4. Employment practices liability: In the case of your company being accused of sexual harassment, wrongful termination, or discrimination, this is the type of coverage that will protect your business.
  5. Property damage liability: Property damage liability, you guessed it, covers any property damage that you or your drivers cause while on the job. This coverage goes towards legal fees up to the limits of your policy if you’re taken to court.


Riding in a limousine  can be a novelty, but running a successful limousine company is a serious matter. It’s important to ensure your company and your drivers are properly covered. Request a free quote from insureCAL today!