Tag Archive for: Chambers & Company Insurance

Tips to De-Stress Your Life!

Tips to De-Stress

Use these tips to de-stress and start enjoying life a little more.

Stress is a modern day problem among many Americans and across the world. Being stressed is not only an unpleasant experience, but it can lead to insomnia, depression, and other health issues. Fortunately, there are tips to de-stress so that you can banish these bad complications.

With serious implications for your personal and professional life, it’s time to find out how to alleviate this stress naturally. Check out how to lighten your load!

Eat clean. Filling up on cookies, fast food, and sugary beverages may make you feel good for the first five minutes, but in the long term, these chemicals are going to slow you down and hinder your health. Start to eat clean to boost your immunity, health, and happiness! Taking care of your health is one of the most common and effective ways to reduce stress in your life.

Get organized. Whether it’s in the home or at the workplace, disorganization is one of the most common stress triggers. After all, it’s frustrating when you can never find that one thing that you need. Straighten up your home and office to keep your mind straight!

Turn off your phone and catch some zzz’s. Instead of taking your phone to bed to look at your Facebook feed for the next two hours, leave your phone outside of the bedroom and turn it off. Technology can hinder our sleep, which, in turn, can cause more stress in our daily lives.

Schedule time for nothing. Stop filling up your calendar! You may be juggling more than you can handle, quickly resulting in the feelings of stress. Take time for yourself and do something that makes you happy.

Have a cup of tea. Sometimes, there’s nothing better than a nice brew. Green tea is loaded with healthy antioxidants and beneficial compounds that better your sense of wellbeing. In addition, steeping and cooling the tea forces you to slow down and enjoy the moment.

Taking a few steps to lower stress will result in a healthier and happier you! From the insurance professionals at Chambers & Company Insurance Brokers, we hope that you grab a good book, boil the kettle, and decompress.

For the security that you want for your finances, contact us to secure the right insurance policies today. Our professionals take all of the stress out of finding the best coverage for you!

Fun Activities for Kids This Summer

Activities for Kids This Summer

These activities for kids this summer will keep your children happy and active.

The summer is here and the children are out of school! Many parents are wondering how to keep their child busy without draining their own energy or wallet. It’s easy enough to let children snack all day while playing video games or watching T.V. – but it’s advised not to let them do this! Keep them engaged all season long with activities for kids this summer.

Here are some ideas to get you started!

Play board games. Old-fashioned? No. Retro? Definitely. Board game nights and trivia nights are popular everywhere, and your children will love playing card and board games.

Let the kids help you cook. Sharpen their math skills and teach them the basics of nutrition while preparing the nightly supper! Plus, kids are more likely to eat healthy meals that they help to prepare.

Volunteer. Make the most of your time by helping others. Compassion comes naturally to children, so take them to an animal shelter, let them help out in the soup kitchen, or volunteer to paint Grandma’s fence!

Start a veggie garden. Children will love to get involved in creating their own food! Start with seeds (and fairly low maintenance veggies) to grow in your backyard. Talk to your child about the needs of each vegetable so that they can set daily tasks to tend to the garden.

Find a new hobby. You child may love to sew, make scrapbooks, or collect coins! If the child has expressed interest in a topic you haven’t mastered, do the research and create projects together.

Go camping. It doesn’t have to be a luxurious camping trip that will break the bank! You can even set up a tent in the backyard to camp out in overnight. Teach your child the basics of camping while you’re at it!

From the insurance professionals at Chambers & Company Insurance Brokers, we hope that you and your children have a wonderful summer! For all of your insurance needs before fall, contact us today.

Personal Property Insurance You Need!

Personal Property Insurance You Need

Check out the personal property insurance you need to keep yourself protected. 

A homeowners insurance policy is personal property insurance you need to keep your home and finances safe. In the event of a natural disaster, theft, or liability lawsuit, homeowners can fall back on their policy to cover hefty expenses.

Before you buy the cheapest homeowners insurance policy that you see online, it’s important to know the essential property insurance you need to keep safe! Check out these coverages that will best keep your finances in your wallet and your home protected.

  1. Coverage for damage to the house: This part of a policy pays to repair or rebuild a home if it’s damaged or destroyed by fire, hurricane, hail, lightning, or another listed peril in the policy. It won’t pay for damage caused by a flood or earthquake – but these two policies can be purchased separately.
  2. Coverage for personal property: Everything from furniture to clothes to sports equipment and other personal items are covered if they’re stolen or destroyed by a covered disaster. Trees, plants, and shrubs are also protected under standard homeowners insurance should they face fire, lightning, explosion, vandalism, and even falling aircraft. Personal items of high value are often excluded from this coverage (such as jewelry, furs, silverware) and will need a rider to protect their entire worth.
  3. Personal liability protection: Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It can pay for the cost of defending the policyholder in court, up to the policy limit. An umbrella insurance policy provides broader coverage, including claims for libel and slander, as well as higher liability limits.
  4. Additional living expenses: This pays the additional costs of living away from home while it is being repaired due to a fire, storm, or another listed disaster. This coverage can foot the bill for hotel rooms, restaurant meals, and other living expenses while the home is uninhabitable.

Are you ready to secure the property insurance you need? Contact the professionals at Chambers & Company Insurance Brokers for the insurance that your home and wallet deserve.

Should I Insure Artwork and Collectibles?

Insure Artwork and Collectibles

Artists and collectors should always insure artwork and collectibles.

Almost everyone has a special collection, whether it’s a collection of art, pennies, or knickknacks. It’s hard to imagine that your treasured belongings could be damaged or taken from you in any way. When it comes to high-value belongings, though, you need to think about this scenario. That’s why you should always insure artwork and collectibles.

Valuable items such as paintings, electronic equipment, stamp collections, or art may not be fully covered in your normal policy. Many items will be covered within your current policy (up to a certain limit) but if your valuables exceed this limit, you will have to purchase additional personal property coverage.

In this case, there are typically two options:

  • Work with your agent to add an “endorsement” (also called a rider) to your existing homeowners insurance policy for any items of value that otherwise wouldn’t be covered for their full value by your home policy.
  • Buy a separate “insurance floater” for each of your most treasured items or collections.

Within a homeowners insurance policy, there is Replacement Cost Coverage so that you never have to face a significant loss of your item. In addition, the policy can cover belongings that are destroyed from fires, vandalism, water damage, or that have been stolen. So with an endorsement, not only do you get to focus on building your collection, but you get peace of mind that it’s protected!

In order to apply for this coverage:

  • Obtain a current appraisal of each item.
  • Take a photograph of each item.
  • Make a photocopy of your original purchase receipt for each item, if possible.
  • Talk to your local insurance agent to obtain quality homeowners insurance.

Are you ready to insure artwork and collectibles in your home? For the best coverage for your valuable items and your budget, contact Chambers & Company Insurance Brokers today!

Pool Safety Tips for the Summer

Pool Safety Tips for the Summer

Check out these pool safety tips for your children this summer.

Having a pool in the backyard is a pleasant feature on a hot summer’s day. It means that you’re able to take a dip, cool off, and enjoy your own outdoor space. It also means that you have a notable safety hazard on your property. Even if you and your children are advanced swimmers, the proper safety precautions should always be in place and these pool safety tips should be followed!

Do:

  • Have family rules for your pool and ensure that everyone knows them.
  • Keep children away from the filter inlet. This can be hazardous to young children by drawing them underwater.
  • Teach your children to swim and encourage them to wear safety flotation devices until they are confident.
  • Install fencing to keep people and pets out of the pool without your knowledge.
  • Evacuate the pool in rain and thunderstorms.
  • Make a pool safety kit. Build this kit and keep it in your pool area. Be sure it contains a fully stocked first aid kit and a pair of scissors to cut away clothing or hair that may get stuck in a drain or flotation device.

Don’t:

  • Swim alone.
  • Leave children unattended – even for a couple of minutes.
  • Drink alcohol and swim.
  • Allow glass or sharp, breakable items in the pool area.
  • Allow running, diving, or pushing in your pool.

With these pool safety tips for summer, you and your children will be able to safely swim all through the season! For the peace of mind to know that your finances and assets are protected, contact Chambers & Company Insurance Brokers for all of your insurance needs. We can help you get the insurance you need to fully relax poolside during the warm weeks ahead. Call our team of experts today!

Protecting the Home While Away on Summer Vacation

Home insurance in Camarillo, CA

If you’re jet-setting this summer, secure your home insurance to protect your home while away!

Summer is upon us, and hopping on a plane and jetting off to some foreign location for a week (or two) of rest and relaxation is many people’s favorite seasonal tradition. Before you head out the door, protecting the home while away is critical! Unfortunately, a vacant home can be awfully tempting for thieves and poses fire and electrical risks while left unattended. And while you’re away on vacation is possibly the worst time a household calamity can strike. Fortunately, you can use these basic safety tips and home insurance to leave your home accident-free while you’re away.

Phone a friend: A simple yet crucial task is to ask a friend, relative, or trusted neighbor to check up on your house while you’re away. Ask them to bring the mail inside, water your plants, and make sure all is well with your home.

Keep it quiet: While you may be tempted to boast about your Italy vacation plans all over social media – don’t. In this age where information is so easily accessible, anyone can see that you’re heading out of town for two weeks, leaving your home unattended and your possession exposed.

Alert the police: Notify the police before heading out on vacation for longer than a week. It’s possible that the officer on patrol will swing by your house to check up on it.

Hit the lights: Put a few of your inside lights on a timer so that they turn on and off automatically. If lights can be seen from the street, it typically means that someone is home to turn them on.

Stop the mail: Place a ‘stop’ order on mail and newspapers if your friend isn’t picking them up for you. Nothing says ‘no one’s home’ like piled newspapers and an overflowing mailbox.

Pull the plug: Unplug your television, computer, toaster, and other appliances to protect them from power surges – plus, it saves power!

Shut it off: Shut off your water while you’re away to prevent leaks, pipe bursts, and any other flooding that could occur.

When that’s all said and done, you’ll want to check (and double check) that the oven isn’t on, the key isn’t under the doormat, and that all of your luggage is in the car before you head out! With these tips, you’re well on your way to protecting the home while away on summer vacation.

Home insurance can protect your belongings and home when you’re not there to keep an eye on things. Contact Chambers & Company Insurance Brokers to secure the right homeowners insurance policy to protect your home through your vacation and beyond!

Low-Cost Employee Perks That Your Team Will Love!

Low-Cost Employee Benefits

Offering your team these low-cost employee perks can significantly raise office morale.

When you first start your business, employee benefits are probably the last thing on your mind. After all, you have to raise enough money to hire the employee to begin. As you grow your business, you’ll face the dilemma of wanting to attract the best and brightest workers, but you can’t afford the high-dollar salary and brilliant benefits.

The good news is that a lot of employees are looking for more of a balance of salary and perks. In the long run, providing low-cost benefits can help you to attract loyal employees and compete for talent in today’s job market. In addition, your current employees will feel the benefit of a happier workplace!

Unlimited Vacation Time
Letting employees decide how much vacation time that they take may seem like a slippery slope. However, this can encourage them to work harder. With the right policies in place and trustworthy employees, this can be a good pay off for the individual and the company alike.

Work From Home
Give employees the option to work from home one day a week. Employees who telecommute reported improvements in stress levels, morale, and productivity.

Take a Break
Set up a designated quiet room for employees to take 10-minute relaxation breaks. Provide yoga mats for meditation and comfy chairs to relax for a few minutes. Employees will come back to their desk revitalized and ready to dive in.

Free Food Friday
Every 5th Friday (or so), treat your employees to a catered breakfast or lunch. If this isn’t in the budget, stock the fridge and cupboards with healthy and fun snacks to keep them going!

Welcome the Woof
It’s a known fact that pets make us happier! Designate four-legged-friend-friendly days for employees to bring their dogs to work. Dogs in the office reduce stress for their owners, bring happiness to the playing pups, and make work more satisfying for other employees!

One thing that your company shouldn’t have to worry about is reliable coverage. Contact the industry experts located in Camarillo – Chambers & Company Insurance Brokers – for all of your business insurance needs.


Straighten Up With These Tips to Improve Your Posture

Improve Your Posture

Use these tips to stand tall at any age!

If you’d rather not be someone who is hunched over, walks slowly, and has chronic joint pain, then stand up straight! Over time, poor posture takes a serious toll on your spine, shoulders, hips, and knees. Start working on your posture, which, it turns out, is as important as your mother said it was.

Keeping your body in proper alignment, improving your balance, and maintaining that alignment as you move is all part of what we call “good posture.” The simple stance will keep you looking youthful as the years go by, too.

Here are the top 7 tips to improve your posture – for good!

Open up – Many of us spend our days hunched in front of a computer, but it’s important for us to stretch, open up, and improve our range of motion. To stay limber, get up every hour to stretch, walk, or at least stand.

Sit straight – When you do have to work at a desk, sit up with a good, tall posture with your shoulders dropped. This can take some getting used to, but don’t give in and slouch.

Strengthen your core – Pilates and yoga are a great way to build your strength and your core to support good posture.

Support your spine – Strengthening your back allows us to stand up for long periods of time without our back hurting. Exercises targeting the back extensors, neck flexors, pelvic muscles, and side muscles are crucial.

Lift weights – Women and men can prevent the “hunchback” with weight-bearing exercises, such as weighted walking or stair climbing and weight lifting.

Vitamin D – This is essential for bone health, and may help us maintain our muscles, too. Try to get it from a healthy diet – and a walk in the sunshine!

Eat healthily – A balanced diet will keep everything else in check while you focus on your posture!

From the insurance professionals at Chambers & Company Insurance Brokers, we hope that you enjoyed these top tips to improve your posture. To protect your finances as well as your health, contact us for all of your insurance needs.

 

How to: File a Commercial Auto Insurance Claim

File a Commercial Auto Insurance Claim

Find out how to file a commercial auto insurance claim!

Whether you own a florist business, cake company, or home delivery service for the elderly, you or your employees may be on the roads every day. No matter how you and your employees use your commercial vehicle or fleet, you could be at risk in the event of accidents.

When an accident happens, knowing how to file a commercial vehicle insurance claim will help you to save money and get your business reimbursed as soon as possible!

When and How to File Commercial Auto Insurance Claims

While getting into an accident in the delivery van isn’t ideal, there are simple steps that you can take to ensure that the claims process goes smoothly. First, always check for injuries and contact the appropriate authorities!

Next, gather the following information to relay to your insurance company:

  • The names of everyone involved in the accident
  • All vehicle license plate numbers and car information
  • The insurance information from all other drivers involved
  • All accident specifics that you can remember

It’s a good idea to record everything that has happened at the scene as well as taking pictures of all vehicles involved. If the accident is minor, evaluate whether it will be worth it to call the insurance company to file claims. You should be aware of the deductible and how your coverage applies to the accident.

Once you have all the information gathered, give your insurer a call to get started!

When accidents happen on the clock, you’ll be glad that you took the time to put the right coverage in place. Filing commercial vehicle insurance claims can be a challenging process, so work with a local agent who will advocate for your needs.

Get started on your tailored policy from the insurance professionals at Chambers & Company Insurance Brokers. We are there to secure the right auto policy and guide you through the claims process.

 

Is Your Business Insurance Keeping Up with Your Needs?

Business Insurance in Camarillo CA

Make sure that your business is insured for growth.

As a business owner, you’re no stranger to hard work. You’ve invested a lot to get your business up and running, and now that it’s taking off, it’s the time to kick back. You’ve put in time and money in order to grow your operation to what it is today. All the more reason to make sure it’s protected with the right business insurance.

When your business grows, your insurance needs change. The original package that you put in place when you first started may not cover everything in your business today. There is nothing worse than growing your business, seeing great success, and having one incident cause financial crisis by being underinsured, or, worse, having no coverage at all.

While you should be reviewing your business insurance policy annually, here’s when you also need to go back to the drawing board to check you’re covered!

Launching a New Product or Service
Developing new offerings may affect the type and amount of coverage that your company needs. You may need more liability insurance if you open a retail location, begin allowing employees to work off-site, or add contractors to your staff. If you grow your staff or the amount of data your company manages, you’ll need additional protection for property damage, theft, and data breaches!

Buying Commercial Property
Moving from a leased space to a company-owned facility may change the amount or type of property insurance your company needs. You’ll be responsible for signage, roofing, and contents of the building, as well as the increased amount of inventory and furniture in the larger space.

Changing Your Company Vehicles
Adding vehicles or expanding the way that they are used can affect your insurance needs. If more employees are using company cars and trucks, or if they’re driving more miles, your company’s risk increases. You may decide to increase your liability limits as well as ensuring that your employee drivers are fully protected.

The rewards of growing a business are why you do it. Don’t risk it all by not evaluating your risk exposure along the way. Be sure to safeguard your business by contacting the professionals at Chambers & Company Insurance Brokers, serving you with reliable business insurance!