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Insurance For Medical Office Towers In Torrance

Just wrapped up the insurance renewals for these two medical office towers in Torrance. 140,000 Square feet

  • Property Insurance
  • General Liability Insurance
  • Umbrella / Excess Liability Insurance
  • Earthquake Insurance
  • Workers’ Compensation Insurance

Medical Office Towers (618x800)

-JK

Earthquake Insurance for Apartment Building in Redondo Beach

I finalized a new Earthquake Insurance policy for this 6,000 square foot apartment building on the Esplanade in Redondo Beach this week. This complements the fire and liability policy which has already been in place for years. Nice view, huh?

Esplanade Building-JK

“It Started Like Any Other Day”

You never know when disaster will strike. Meet three survivors from three recent natural disasters: Hurricane Sandy; the Moore, Oklahoma tornado; and the Poinsettia Wildfire outside of San Diego. Watch their stories and then log on to www.ready.gov/prepare for more information on what you can do to prepare you and your family or your business. Be Smart. Take Part. Prepare.

-JK

What To Keep In Your Earthquake Survival Kits At Home and In The Car

My wife and I have recently been (slowly) assembling an earthquake survival kit at our home….better late than never, right? So what better timing to catch this story in the Los Angeles Times.

I never really thought about stocking up my car, but that wouldn’t be a bad idea.

Here’s a nice little visual to reference which was also taken from the L.A. Times on Preparing your earthquake survival kit

la-me-earthquake-checklist-g

Here in Southern California, we really haven’t dealt with any large significant tremors since the 1994 Northridge earthquake so it’s easy to get complacent about being prepared with an  earthquake survival kit. Like us, start thinking about putting one together in your house or car! Better late than never!

-JK

Has An Earthquake Detection System Become Reality??

Plain and simple, natural disasters are horrendous! To put it politely, they S-U-C-K! Floods, tornado’s, hurricane’s, volcanic eruption’s, landslide’s, and notoriously here in California…earthquakes! All these natural disasters lead to some kind of loss, whether it be financial, environmental, or human loss. In most cases, there’s actually some degree of advanced warning as to when a natural disaster might strike. Take hurricane’s for example. We are able to pinpoint powerful storms in advance and prepare accordingly.  If nothing else, this allows us to reduce the probability of human loss.

Unfortunately, advanced warning does not apply when it comes to the earth shifting, otherwise known as EARTHQUAKES! ………Or does it??

In an article published by Fox News, there is now “a state-of-the-art, first-in-the-world earthquake detection system in now installed and operational” in southern California, near Palm Springs, in the Coachella Valley.  In fact, twelve locations are now in place with 120 sites planned, all meant to detect an earthquake and give people a chance to duck and cover, or brace themselves before the shaking begins.

This earthquake detection system was created by a company called QuakeGuard. The system works by way of sensors which are designed to detect the initial, or “P” energy waves given off by every quake, even though it’s only the later, or “S” waves that do all the damage. The time in-between the two waves varies depending on the proximity to the epicenter and as the first sensor closest to the quake goes off, it can offer advance notice — from a few seconds to a full minute– to other locations farther away.

The system can also be set to automatically open fire station doors, and water and gas valves for municipalities could be shut off. Back-up generators for hospitals could be turned on and, most importantly, warn school kids to duck and take cover.

Of the 12 sets of sensors currently set in place throughout the Coachella Valley in Southern California, all are tied to fire stations. Soon, they will be networked to every school in the area. Down the road, they can possibly be  linked to hospitals, private businesses and even people’s homes.

A mobile system is also in development and would help rescue crews detect aftershocks. A few seconds could get rescuers out from under the rubble and thus out of harm’s way.

How great would this be for California or for any other regions affected by the earth moving?? It’ll be interesting to see how technology progresses. In this case, not soon enough! We can’t stop an earthquake, but it would be nice to be warned if one is on the way . The sudden jolt of the earth shifting is the probably the scariest part of an earthquake in my opinion. Let alone the damage and destruction that comes with it.

Would an earthquake detection system ease your fear of earthquakes?

JK

Earthquake Safety – Prepare Your Workplace

For you Californians out there, according to the US Geological Survey, there is a 60% chance that a 6.7 magnitude or greater earthquake will occur in California in the next 30 years.  I’ve been hearing that since elementary school so I don’t know how much longer we have if this is true. An earthquake of this size can can severely strain public services and disrupt business operations. The best way to survive an earthquake is to prepare before a big one hits. Here are some earthquake safety recommendations to consider for general guidance purposes.

Prepare your workplace for an earthquake

  • Large equipment such as boilers, tanks, and machines need to be secured properly so they will not fall over in an earthquake.
  • Furniture such as bookshelves and file cabinets along with storage racks and shelving should be strapped or attached to the wall to keep it stable and upright.
  • Survey your workspace to make sure that heavy items are stored at lower heights or secured so they won’t fall.
  • Photos and pictures should be hung onto the wall with screws or earthquake “j” clips.
  • Keep doors, exits, and aisle ways clear at all times for quick evacuations.
  • Keep areas under desks and tables uncluttered to make room to take cover in an earthquake.
  • Store chemicals properly and in compatible groups.

Gather emergency supplies for the workplace

  • Fire extinguishers should be charged and inspected monthly so they are always ready to use.
  • Periodically test fire alarms, sprinklers, and emergency lighting.
  • Keep flashlights, a radio, extra batteries, and a first aid kit on hand at all times.
  • Consider stockpiling food, water, blankets, and sanitary supplies such as toilet paper and portable toilets.
  • Keep enough supplies for the number of workers that may need to shelter or work at your facility after an earthquake.
  • Prepare personal emergency supplies for your desk and your car, including comfortable clothes and shoes, a flashlight and batteries, first aid kit, food, water, and necessary medications.

Make an emergency plan at work and at home

  • Businesses must have an emergency evacuation plan that details how employees will evacuate from the building, where they will meet, how to account for everyone, and how to get further instructions to act.
  • Current emergency contact phone numbers for all employees and management are critical in an emergency.
  • Businesses should also list and prioritize their functions in a Business Continuity Plan (BCP) that ensures access to the people, materials, and other supplies needed to continue work after an earthquake.
  • Workers should have family emergency plans in place at home in case they are stranded at work or required to work after an earthquake.
  • Keep enough emergency supplies on hand to maintain your family for at least 3 days.
  • Make lists of emergency contact phone numbers and determine a meeting place for the family after an emergency.

Practice and train on your emergency procedures

  • Practice emergency evacuations.
  • Get training on first aid and CPR techniques.
  • Train and remember to Duck, Cover and Hold in an earthquake.  If you cannot take cover, stand against an interior wall and protect your head and neck with your arms.
  • Practice your business recovery procedures by inspecting and restarting equipment and computers in the proper and prioritized order.

Earthquakes aren’t planned, but you can at least plan and practice earthquake safety measures to increase your chances of survival.

Keep in mind that standard property insurance policies exclude coverage for damages resulting from earth movement, including earthquakes. Read more about it here. In order to cover your home or business for earthquake damage, you must purchase a separate earthquake insurance policy.

JK

Lessons Learned – Week of October 31, 2010

Always be prepared for an Earthquake! On October 21 at 10:21 a.m., California residents statewide practiced drop, cover and hold On in the 2010 California ShakeOut

Jimmy Kimmel prepared his staff with this hilarious video “Security Guard Adelina Braves Big Earthquake” Check out this Youtube clip from his show.

-JK

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