Archive by Author | Jimmy Kinmartin - Business Insurance & Risk Management

As Summer Heats Up, Put your Cellphone on “ICE”

70% of 9-1-1 calls are placed from cell phones

70% of 9-1-1 calls are placed from cell phones

Today you can use your cellphone to email, take pictures, manage your calendar and even record video. However, they are still most valuable in calling for help when emergency strikes.

What can you do to prepare in case something happens to you and you can’t call for help? Entering an emergency contact in your cellphone contact list under “ICE,” which stands for In Case of Emergency, is a commonplace practice that’s helpful in the following ways:

  • Most emergency responders check cellphones for an ICE entry, which enables them to quickly contact your loved ones in an emergency.
  • Provides peace of mind for parents with children, knowing you’ll be contacted first in an emergency situation.

Don’t delay: Add “ICE” to you cellphone contact list today!

Credit: Zywave, Inc.

JK

How far has car safety come in 50 years? Take a look

1959 Chevrolet Bel Air vs. 2009 Chevrolet Malibu car safety crash test.

In the 50 years since US insurers organized the Insurance Institute for Highway Safety, car crashworthiness has improved. Demonstrating this was a crash test conducted between a 1959 Chevrolet Bel Air and a 2009 Chevrolet Malibu. In a real-world collision similar to this test, occupants of the new model would fare much better than in the vintage Chevy.

“It was night and day, the difference in occupant protection,” says Institute president Adrian Lund. “What this test shows is that automakers don’t build cars like they used to. They build them better.”

The crash test was conducted at an event to celebrate the contributions of auto insurers to highway car safety progress over 50 years. Beginning with the Institute’s 1959 founding, insurers have maintained the resolve, articulated in the 1950s, to “conduct, sponsor, and encourage programs designed to aid in the conservation and preservation of life and property from the hazards of highway accidents.”

More information at http://www.iihs.org/50th/default.html

JK

Happy Small Business Week 2013

This year marks the 50th anniversary of National Small Business Week. Every year since 1963, the President of the United States has issued a proclamation announcing National Small Business Week, which recognizes the critical contributions of America’s entrepreneurs and small business owners.

More than half of Americans either own or work for a small business, and they create about two out of every three new jobs in the U.S. each year. Small businesses have always been the backbone of our economy, and we know that the success of America’s small businesses is critical to growing our economy and increasing our nation’s global competitiveness.

Small businesses create two out of three net new private sector jobs in our economy. And today, half of all working Americans either own or work for a small business.

To all of the small businesses out there, this week is about you. Happy Small Business Week!

JK

Rolling Deep…Literally

I found this picture on Google+ today. Talking about rolling deep! Check this guy out…

Rolling Deep

Thinking about purchasing a used car? If so, protect yourself from buying a flood damaged vehicle by doing a little research and by having the vehicle thoroughly checked by a mechanic.

Every year, tens of thousands of cars are damaged by floodwaters and more than half end up back on the road. Damaged cars are often repaired cosmetically and moved to adjacent states or other areas of the country where many are sold to unsuspecting consumers. These floodwaters can cause damage to a vehicle’s computer and electrical systems, as well as potentially causing anti-lock braking and airbag systems to malfunction.

Used Car Buying Tips: Detecting and Avoiding Flood Damaged Vehicles (from CARFAX Vehicle History Reports)

To help you avoid cars with water damage, CARFAX offers these tips:

  • Check the trunk, glove compartment, the dashboard and below the seats for signs of water damage such as silt, mud or rust.
  • Examine upholstery and carpeting closely; if it doesn’t match the interior or fits loosely, it may have been replaced. Discolored, faded or stained materials could indicate water damage.
  • Turn the ignition key and make sure that accessory and warning lights and gauges come on and work properly. Make sure the airbag and ABS lights come on.
  • Test lights (interior and exterior), windshield wipers, turn signals, cigarette lighter, radio, heater and air conditioner several times to make sure they work.
  • Flex some of the wires beneath the dashboard. Wet wires will become brittle upon drying and may crack.
  • Take a deep breath and smell for musty odors from mildew.
  • Go to a trusted mechanic for a pre-purchase inspection. Always get vehicles checked BEFORE handing over any money.
  • Ask to see a vehicle history report.

Facts: Flood Damage from Hurricanes and Tropical Storms

  •  Hurricane Floyd (1999) damaged 75,000 vehicles and than half were put back out on the road.
  • Tropical Storm Allison (2001) – More than 95,000 vehicles flooded by the most extensive tropical storm in U.S. history.
  • Hurricane Ivan (2004) – Left more than 100,000 cars submerged in floodwaters throughout the Southeast.
  • Hurricane Katrina, Hurricane Rita and Hurricane Wilma (2005) – claimed more than 600,000 cars across the Gulf Coast. Many of these cars still are showing up for sale around the country.
  • Hurricane Ike (2008) – more than 100,000 cars in Texas and Louisiana, from Galveston and Houston over to Baton Rouge, were left underwater.

If all else fails, you can do what the dude above did and you won’t have to worry about flood damage to your car.

JK

FEMA Wireless Emergency Alerts

Today the The Ready Campaign and the Ad Council released a new Public Service Announcement to help Americans Prepare for Severe Weather with Wireless Emergency Alerts (WEAs). There are many things that can save your life, and now your phone could be one of them. For more information visit www.Ready.gov/alerts.

You do not need to register to receive Wireless Emergency Alerts notifications. You will automatically receive alerts if you have WEA-capable phone and your wireless carrier participates in the program. To find out if your mobile device is capable of receiving WEA alerts, contact your mobile device carrier or visit this CTIA Customer Info Page

JK

Even the Cutest Dog Has a Nasty Bite

Nothing exemplifies “nasty bite” more than the dog you’re about to see in this video. Trust me, it’s worth watching the full 2:33. It gets really good at 1:30. Dog bites aren’t supposed to be funny, but this clip might be an exception

According to the Insurance Information Institute, dog bites accounted for $479 million in homeowners insurance liability claims paid out in 2011 in the United States. Unfortunately, dog bites are now the largest cause of Homeowners Insurance claims in the U.S.

Tips To Lessen Your Risk of Getting Bitten By A Dog

  • Never pet dogs without allowing them to smell you first.
  • Do not approach a dog that you do not know.
  • Do not turn your back to a dog and start to run away if you feel threatened, since their natural instinct is to chase and catch you.
  • Avoid disturbing a sleeping or eating dog, as it may bite out of fear.
  • Always leave dogs alone who are playing with toys or who are caring for their young.

Have you experienced a dog bite before?

JK

Heartwell Golf Course, Long Beach

I love golf and I’m fortunate to live practically walking distance from Heartwell Golf Course in Long Beach. It’s a fun little 18-Hole Par 3 course which opened in 1964. The distance of the holes range from 85 to 140 yards, so you don’t need much club here. It’s great for practicing your short game.

There are a couple of water hazards, and sand traps on a lot of the holes. Heartwell Golf Course has lights for night golf with a driving range, two huge practice greens, and restaurant which I have yet to try. The course is always in great shape every time I play.

My wife just picked up golf and on 5/11 she played her first ever real round on a golf course. No better place for a beginner than Heartwell! it was a perfect afternoon. Here’s a picture I took on the back 9.

Heartwell Golf Course

Check out Heartwell Golf Course in East Long Beach at 6700 East Carson Street, Long Beach, CA 90808

Website: www.heartwellgc.com

-JK

Worst First Pitch in Baseball, Ever?

This insurance guy was brought out to throw the ceremonial first pitch before a recent college baseball game between Stetson University & Florida State. He looked a little bit more like the guy in the Volkswagen commercial teaching his son how to throw the baseball.

JK

Sharefest Annual Workday 2013

This past Saturday, a few of us from my office, ISU-Olson Duncan Insurance, participated in the Sharefest annual workday. Special thanks to my wife Joanelle for joining us.

Sharefest Community Development is an organization dedicated to creating an imprint of lasting positive change in the South Bay and Harbor areas of Los Angeles County. The organization partners with churches, businesses, civic leaders, schools, and residents.

Sharefest’s annual workday is a community building day where thousands of volunteers are mobilized into the community to work on projects designed to meet tangible needs. Volunteers paint, clean, plant, refurbish, and beautify schools, parks and public facilities all at no cost to recipients.

Our job for the day was sanding and re-painting classroom doors at Jane Addams Middle School in Lawndale.

Here are some pictures from the day:

-JK

The Importance of Terrorism Insurance

In the wake of the recent Boston Marathon bombings, the issue of terrorism was brought to light again as a harsh reality we face this day in age in the United States and throughout the world.

Bob Hartwig of the Insurance Information Institute http://www.iii.org interviewed on FOX recently talking about terrorism insurance for businesses.

A standard business policy does not cover for damage or loss of business due to an act of terror. In an age where terrorism is becoming “the new normal”, having the proper coverage is important.

Contact me if I can help with questions on terrorism insurance, or the Terrorism Risk Insurance Act and how it relates to you business insurance.

-JK