Last night, just after 10pm, a driver suspected of DUI crashed into a client’s business. This is a physical therapy office. Video from the scene showed a black SUV completely inside the building after crashing through the building’s exterior wall (see attached pic). Luckily nobody was hurt and we have the insurance carrier handling the claim now. Property loss and Business Income/Interruption coverage in effect until business is up and running again. On the bright side, this all happened during off hours.
Effective 8/9, I finalized insurance for this Condo Homeowners Association in Harbor City. This is an 18-unit, 25,850 total square feet dual building property. Coverage’s include Commercial Property insurance for the structures, General Liability, and Director’s & Officer’s Liability to help protect the association board. The expiring policy didn’t include the D&O. I was able to add this coverage and still save premium dollars compared to the renewal terms the association received from the incumbent broker.
A construction worker is rescued from a giant fire at AIG campus in Houston, Texas, on Tuesday. The amateur footage, filmed by onlooker Karen Jones, shows a man trapped on a top-floor balcony of an apartment complex that had been under construction. He manages to escape as fire destroys the building. No injuries were reported as a result of the blaze. It is still unclear what caused the fire. You’ll get some sweaty palms watching this one! Especially when the construction worker swings down to the lower level balcony!
A two-alarm commercial building fire burned through La Bodega Market on 7th and Magnolia in Long Beach on Monday night. Long Beach Fire Department received the first report of a fire at 9:27PM. According to the Long Beach Fire Department, the building was heavy with smoke and fire upon first arrival and a second alarm was called within a minute. For the full story, read about it HERE in the Long Beach Post.
Here’s some video from the Long Beach Post of the fire:
Have a small business in Long Beach? When’s the last time you reviewed your business insurance policies to make sure your coverage is sufficient and accurate? Make sure you’re reviewing your policies at least annually with your insurance agent or broker.
Beyond insurance, you might want to consider establishing a fire prevention plan or a business continuity and recovery plan. If you need help in any of these areas, I have some resources that I can help you with. You’re welcome to contact me anytime to discuss.
I came across this fierce 30 second video on Youtube today of a lightning bolt striking the shore of a beach about a hundred or so yards from a hotel balcony where some guy was filming. Check it out (some cursing included so beware)
The force and power are so crazy it knocked the guy back a little bit!
Living in Southern California, we don’t see a lot of intense thunder and lightning, but you should learn to identify the early signs of an oncoming thunder and lightning storm.
Typically you’ll see towering clouds in the shape of a cauliflower, dark sky, distant rumbles of thunder and flashes of lightning. When a storm is on the verge of striking your area, you need to take cover to get out of harm’s way.
- Seek shelter in an enclosed building, if possible.
- If you are in a car, stay inside and keep the windows securely rolled up.
- Do not use a small shed, pavilion or lean-to as shelter; they do not provide enough protection.
- Stay several feet away from open windows, sinks, toilets, tubs, showers, electric boxes, outlets and appliances during a lightning storm. Lightning bolts can flow through these items, “jump” to you and give you a jolt.
- Do not use a landline telephone during a storm. Opt for a cellular or cordless phone, which is not connected to the building’s wiring.
If you are caught outside in a lightning storm:
- If your skin starts to tingle or your hair stands up, lightning may be about to strike. Crouch to the ground on the balls of your feet and place your feet close together. Then, place your hands on your knees and lower your head. Try to get as close to the ground as possible without placing your hands or knees on the ground.
- Avoid seeking shelter under trees, near metal fences, pipes or tall and long objects.
- If you are swimming, boating or fishing, seek shelter on land immediately.
- If you are boating and cannot get to shore before the storm hits, crouch your body down in the middle of the boat, as low as you can get.
Next time you’re in the path of a thunderstorm, you can stay cool knowing Jim Kinmartin taught you everything you need to know about dealing with it ;).
Planning is important when it comes to preparing for storms, and that includes having the proper home or business insurance. Contact your broker or me to learn more about insurance solutions for your home, business and life.