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Underinsured Millennials

MILLENNIALS

At 83 million strong, Millennials are America’s largest generation yet as well as the most racially diverse and most educated. But when talking about insurance, the Millennial generation is woefully unprotected.

 

Industry studies reveal that young adults generally are not buying health, renters, auto and life insurance at the same rate as their parents. This perpetual status of being underinsured is a gamble that can lead to financial ruin.

They’re going without essential protection

A 2015 Gallup poll estimated that 12% of the US population lacks health insurance (even in the age of ObamaCare). However, that number more than doubles among the Millennials with about 25% of lacking health insurance.

Other findings about Millennials’ insurance coverage includes these surprisingly low numbers:

  • Only 64% have auto insurance
  • Only 12% have renters insurance
  • Only 36% have life insurance

Why aren’t Millennials buying insurance?

Economics:  Millennials are facing a changing and disrupted labor market, and when coupled with the burden of student loans, many Millennials simply don’t have the cash available to buy protection.

Mom and Dad: Millennials are relying heavily on Mom and Dad for their car and health insurance. The Affordable Care Act allows parents to list their children on their health coverage plans until they turn 26.

A risky choice

Simply put: Millennials driving, renting and living without insurance protection are putting themselves in positions that could result in the loss of their possessions and/or stifling new debt.

Consider this about car insurance:

  • If you drive a car and do not have auto insurance, you’re breaking the law.
  • If you’re at fault in a collision in which people are injured or killed, you are responsibly to pay for medical expenses.
  • If you’re at fault in a collision that damages someone’s property, you’ll have to pay for medical repair or replacement costs on your own.
  • You could be on the hook for tens of thousands of dollars, and in some states, jail time.

Consider this about renters insurance:

  • In the event of a fire, flood, tornado, etc., your landlord’s insurance policy won’t protect, repair or replace your personal possessions.
  • If a guest is injured while at your apartment and needs medical attention, again, you could be responsible for bills that result from a trip to the ER.

If you’re already cash-strapped, rolling the dice on being uninsured is a careless and potentially dangerous move. The key to finding affordable coverage is exploring your options.

No matter your budget, there may be a level of insurance protection that is just right for you.

We’ll be happy to talk with you about your level of risk and how to protect yourself.

 

Bob Munden

190 Sierra Ct. #A8

Palmdale, CA 93550

661-575-9656

rmunden@farmersagent.com

www.bobmundeninsurance.com

 

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Be Earthquake Ready

Are you ready for an earthquake?

Are you ready for an earthquake?

When is anyone really ready for an earthquake? But you never know when it will quake. The follow list are helpful tips and preparation in the case of earthquake. I know it is a little long but you can never be over prepared.

EARTHQUAKE PREPAREDNESS                                              

by Robert Munden

  • Secure your hot water heater
  • Secure household items and furniture
  • Check chimneys, roofs and wall foundations for stability. Note: If your home was built before 1935, make sure your house is bolted to its foundation. If your home is on a raised foundation, make sure the cripple walls have been made into shear walls. Call a licensed contractor if you have any questions.
  • Keep breakable and heavy objects on lower shelves. Put latches on cabinet doors to keep them closed during shaking.
  • Fasten shelves securely to walls.
  • Place large or heavy objects on lower shelves.
  • Store breakable items such as bottled foods, glass, and china in low, closed cabinets with latches.
  • Hang heavy items such as pictures and mirrors away from beds, couches, and anywhere people sit.
  • Brace overhead light fixtures.
  • Repair defective wiring and leaky gas connections which are potential fire risks.
  • Repair any deep cracks in ceilings or foundations. Get expert advice if there are signs of structural defects.
  • Install an Automatic Gas Shut Off
  • PLAN TO BE SAFE DURING AN EARTHQUAKE
  • Practice “drop, cover, and hold on” to be safe during an earthquake.
  • Identify safe spots in every room, such as under sturdy desks and tables.
  • Learn how to protect yourself no matter where you are when a disaster strikes.
  • PLAN TO RESPOND AFTER AN EARTHQUAKE
  • Keep shoes and a working flashlight next to each bed.
  • Teach everyone in your household to use emergency whistles and/or to knock 3 times repeatedly if trapped. Rescuers searching collapsed buildings will be listening for sounds.
  • Identify the needs of household members and neighbors with special requirements or situations, such as use of a wheelchair, walking aids, special diets, or medication.
  • Take a Red Cross first aid and cardiopulmonary resuscitation (CPR) training course. Learn who in your neighborhood is trained in first aid and CPR.
  • Know the location of utility shutoffs and keep needed tools nearby. Know how to turn off the gas, water, and electricity to your home. Only turn off the gas if you smell or hear leaking gas.
  • Get training from your local fire department in how to properly use a fire extinguisher.
  • Install smoke alarms and test them monthly. Change the battery once a year, or when the alarm emits a “chirping” sound (low-battery signal).
  • Check with your city or county to see if there is a Community Emergency Response Team (CERT) program in your area. If not, ask how to start one.
  • Make sure that you have ample supplier and that nothing has expired
  • PLAN TO COMMUNICATE AND RECOVER AFTER A DISASTER
  • Locate a safe place outside of your home to meet your family or housemates after the disaster.
  • Designate an out-of-state contact person who can be called by everyone in the household to relay information.
  • Provide all family members with a paper list of important contact phone numbers.
  • Determine where you might live if your home cannot be occupied after an earthquake or other disaster (ask friends or relatives).
  • Know about the emergency plan developed by your children’s school or day care. Keep your children’s school emergency release card current.
  • Keep copies of essential documents, such as identification, insurance policies and financial records, in a secure, waterproof container, along with your disaster supplies kits. Include a household inventory (a list and photos or video of your belongings).
  • Have occasional “earthquake drills” to practice your plan. Ask your babysitters, house sitters, neighbors, coworkers, and others about their disaster plans, and share your plan and with them.
  • Stay as safe as possible during an earthquake. Be aware that some earthquakes are actually foreshocks and a larger earthquake might occur. Minimize your movements to a few steps to a nearby safe place and stay indoors until the shaking has stopped and you are sure exiting is safe.
  • When you feel an earthquake, duck under a desk or sturdy table. Stay away from windows, bookcases, file cabinets, heavy mirrors, hanging plants, and other heavy objects that could fall. Watch out for falling plaster and ceiling tiles. Stay undercover until the shaking stops and hold onto your cover. If it moves, move with it.
  • DROP to the ground; take COVER by getting under a sturdy table or other piece of furniture; and HOLD ON until the shaking stops. If there isn’t’t a table or desk near you, cover your face and head with your arms and crouch in an inside corner of the building.
  • Stay away from glass, windows, outside doors and walls, and anything that could fall, such as lighting fixtures or furniture.
  • If in bed when the earthquake strikes, hold on and protect your head with a pillow, unless you are under a heavy light fixture that could fall. In that case, move to the nearest safe place.
  • Use a doorway for shelter only if it is in close proximity to you and if you know it is a strongly supported, load-bearing doorway.
  • Stay inside until shaking stops and it is safe to go outside. Research has shown that most injuries occur when people inside buildings attempt to move to a different location inside the building or try to leave.
  • Be aware that the electricity may go out or the sprinkler systems or fire alarms may turn on. DO NOT use the elevators.
  • If you are in a HIGH-RISE BUILDING, and not near a desk or table, move against an interior wall and protect your head with your arms. Stay indoors. Glass windows can dislodge during the quake and sail for hundreds of feet.
  • If you’re in a CROWDED STORE OR OTHER PUBLIC PLACE, do not rush for exits. Move away from display shelves containing objects that could fall.
  • If you’re in a WHEELCHAIR, stay in it. Move to cover, if possible, lock your wheels, and protect your head with your arms.
  • If you’re in the KITCHEN, move away from the refrigerator, stove, and overhead cupboards. (Take time NOW to anchor appliances, and install security latches on cupboard doors to reduce hazards.)
  • If you’re in a STADIUM OR THEATER, stay in your seat and protect your head with your arms. Do not try to leave until the shaking is over then leave in a calm, orderly manner. Avoid rushing toward exits.

WHEN OUTDOORS

  • Stay there. If you’re OUTDOORS, move to a clear area away from trees, signs, buildings, electrical wires and poles. Move away from buildings, streetlights, and utility wires.
  • Once in the open, stay there until the shaking stops. The greatest danger exists directly outside buildings, at exits, and alongside exterior walls. Many of the 120 fatalities from the 1933 Long Beach earthquake occurred when people ran outside of buildings only to be killed by falling debris from collapsing walls. Ground movement during an earthquake is seldom the direct cause of death or injury. Most earthquake-related casualties result from collapsing walls, flying glass, and falling objects.
  • If you’re on a SIDEWALK NEAR BUILDINGS, duck into a doorway to protect yourself from falling bricks, glass, plaster, and other debris.
  • If you’re DRIVING, pull over to the side of the road and stop. Avoid overpasses, power lines, and other hazards. Stay inside the vehicle until the shaking is over. Stop as quickly as safety permits and stay in the vehicle. Avoid stopping near or under buildings, trees, overpasses, and utility wires. Proceed cautiously once the earthquake has stopped. Avoid roads, bridges, or ramps that might have been damaged by the earthquake.

Heat Stroke

Heat Stroke

Summer is here and as the temperature rise so does the risk for heat stroke. Heatstroke is caused by prolonged exposure to high temperatures or by doing physical activity in hot weather. You are considered to have heatstroke when your body temperature reaches 104 F (40 C) or higher.

Heatstroke symptoms include:

  • High body temperature. A body temperature of 104 F (40 C) or higher is the main sign of heatstroke.
  • A lack of sweating. In heatstroke brought on by hot weather, your skin will feel hot and dry to the touch. However, in heatstroke brought on by strenuous exercise, your skin may feel moist.
  • Nausea and vomiting. You may feel sick to your stomach or vomit.
  • Flushed skin. Your skin may turn red as your body temperature increases.
  • Rapid breathing. Your breathing may become rapid and shallow.
  • Racing heart rate. Your pulse may significantly increase because heat stress places a tremendous burden on your heart to help cool your body.
  • Headache. You may experience a throbbing headache.
  • Confusion. You may have seizures, hallucinate, or have difficulty speaking or understanding what others are saying.
  • Unconsciousness. You may pass out or fall into a state of deep unconsciousness (coma).
  • Muscle cramps or weakness. Your muscles may feel tender or cramped in the early stages of heatstroke, but may later go rigid or limp.

Heatstroke follows two less serious heat-related conditions:

  • Heat cramps. Heat cramps are caused by initial exposure to high temperatures or physical exertion. Signs and symptoms of heat cramps usually include excess sweating, fatigue, thirst and cramps, usually in the stomach, arms or legs. This condition is common in very hot weather or with moderate to heavy physical activity. You can usually treat heat cramps by drinking water or fluids containing electrolytes (Gatorade or other sports drinks), resting and getting to a cool spot, like a shaded or air-conditioned area.
  • Heat exhaustion. Heat exhaustion occurs when you don’t act on the signs and symptoms of heat cramps and your condition worsens. Signs and symptoms of heat exhaustion include a headache, dizziness or lightheadedness, nausea, skin that feels cool and moist, and muscle cramps. Often with heat exhaustion, you can treat the condition yourself by following the same measures used to treat heat cramps, such as drinking cool, nonalcoholic beverages, getting into an air-conditioned area or taking a cool shower. If your symptoms persist, seek medical attention immediately.

Those most susceptible (at risk) individuals to heat stroke include:

  • Infants
  • The elderly (often with associated heart diseases, lung diseases, kidney diseases, or who are taking medications that make them vulnerable to dehydration and heat strokes)
  • Athletes
  • Individuals who work outside and physically exert themselves under the sun

What to do in event of heat stroke:

If you think a person may be experiencing heatstroke, seek immediate medical help. Call 911 or your local emergency services number.

Take immediate action to cool the overheated person while waiting for emergency treatment.

  • Help the person move to a shaded location and remove excess clothing.
  • Place ice packs or cold, wet towels on the person’s head, neck, armpits and groin.
  • Mist the person with water while a fan is blowing on him or her.
  • If the person is able to drink liquids, have them drink cool water or other cool beverages that do not contain alcohol or caffeine. Soda contains 34 to 55 mg of caffeine so if you can, try to avoid it.

How can heat stroke be prevented? 

  • The most important measures to prevent heat strokes are to avoid becoming dehydrated and to avoid vigorous physical activities in hot and humid weather.
  • If you have to perform physical activities in hot weather, drink plenty of fluids (such as water and sports drinks), but avoid alcohol, and caffeine (including soft drinks and tea), which may lead to dehydration.
  • Your body will need replenishment of electrolytes (such as sodium) as well as fluids if you sweat excessively or perform vigorous activity in the sunlight for prolonged periods.
  • Take frequent breaks to hydrate yourself. Wear hats and light-colored, lightweight, loose clothes.
  • Keep cars locked when not in use and never, ever, leave infants, children or pets unattended in a locked car.

Fire Prepareness

House on FireYou just never know if a fire might show up at your house so being prepared is a smart thing for you and your family.

FIRE PREPARENESS

Fire is one of the most common disasters. Fire causes more deaths than any other type of disaster. But fire doesn’t have to be deadly if you have early warning from a smoke detector and everyone in your family knows how to escape calmly. Please be serious about the responsibility for planning for and practicing what to do in case of a fire.

Be prepared by having various household members do each of the items on the checklist below. Then get together to discuss and finalize your personalized Fire Plan.

Install smoke detectors outside each sleeping area and on each additional level of your residence. Keep new batteries on hand.

New smoke detectors installed:________(date)

Batteries purchased:________(date)

Test smoke detectors once a month: ________(date)

Start a chart and sign it after each round of tests.

______________(family member name) checks smoke detectors.

Look at the fire extinguisher you have to ensure it is properly charged. Use the gauge or test button to check proper pressure. If the unit is low on pressure, damaged, or corroded replace it or have it professionally serviced.

Get training from the fire department in how to use the fire extinguisher.

_______________(family member name) examines extinguisher.

______________________________________________________ (family member names) have been trained to use the extinguisher.

Draw a floor plan of your home; mark two fire escape routes for each room.

Floor plan completed:_____________ (date)

Pick a safe outside place to meet after escaping from a fire.

Meeting place:__________________________________

Practice a low-crawl escape from your bedroom. Try it with your eyes closed to see how well you could do in thick smoke.

Smoke escape drill conducted:__________________(date)

Conduct a home fire drill at least twice a year.

Home fire drill conducted:______________________(date)

Make your home fire safe

•Smoke detectors save lives. Install a battery-powered smoke detector outside each sleeping area and on each additional level of your home.

•Use the test button to check each smoke detector once a month. When necessary, replace batteries immediately. Replace batteries at least once a year.

• Have a working fire extinguisher in the kitchen. Get training from the fire department in how to use it. Also include in the kit written instructions on how to turn off utilities at your house.

• Conduct periodic fire drills, so everyone remembers what to do when there is a fire.

Plan your escape routes

•Determine at least two ways to escape from every room of your home. If you must use an escape ladder, be sure everyone knows how to use it.

• Select a location outside your home where everyone would meet after escaping.

• Practice your escape plan at least twice a year. Once you are out, stay out!

Escape safely

•If you see smoke in your first escape route, use your second way out.

• If you must exit through smoke, crawl low under the smoke to escape.

• If you are escaping through a closed door, feel the door before opening it. If it is hot, use your second way out.

• If smoke, heat, or flames block your exit routes, stay in the room with the door closed. Signal for help using a bright-colored cloth at the widow.

• If there is a telephone in the room, call the fire department and tell them where you are.

 

Driving in Wet Weather

thAs winter approaches we are going to experience driving in rainy conditions. When the roads get wet the water on the asphalt causes tires to lose their traction. Also the first rain of the season causes oils on the road to come to the surface which add to unsafe driving conditions. During the dry months, engine oil and grease build up on roads and when they mix with the water from a rainfall it makes the road extremely slippery. Continue rainfall eventually washes the oil away, but in the beginning it can be dangerous.

Rain also reduces a driver’s awareness; the ability to see clearly through the rain is more difficult. Headlights, windshield, and the reflections on the wet road will also decrease visibility. With this in mind extra care should be used to prevent skidding. While most people know to slow down, there are many other helpful tips to keep you safe.

Allow for more travel time: You should plan on driving slower when the roads are wet, but keep in mind that other people are also going to driving at a lesser speed than normal. Another thing to think about is the possibility that your normal route could be flooded or jammed. Allot time to make any necessary adjustments to your travel itinerary so that you are not rushed.

Brake earlier and use less force: This habit not only increases the stopping distance between you and the car in front, but also lets the driver behind you that you are slowing down. Make sure that you use your turn signals so that other drivers know what you are intending to do. Take turns at a slower speed to make sure you maintain control. Track the car ahead of you by letting them pave a clear path through the water and alerting you to any dangers. Also, give a truck or bus some extra distance. The tires are extra large and can create a large enough spray to block your vision completely.

Don’t us cruise control: When using cruise control drivers tend to be less attentive and normally take their foot away from the pedals. This can reduce a driver’s reaction time. Another factor is if your car does hydroplane, there is a possibility that the cruise control can accelerate causing more of a risk.

Use extra caution with puddles: If you see a large puddle, drive around it or choose a different route. Water splashing up into your car’s engine can cause damage to its internal electric system. Splashing water into your engine and attempting to cross running water can also cause your engine to stall or having your vehicle being pushed sideways, and forcing you to abandon your car. Also, a pothole can be hidden under the water which can damage a wheel or knock out your suspension system out of alignment. The best practice is if you can’t tell how deep the water is, try and avoid it. Another bit of advice, most roads are crowned in the middle, which causes the water to run down to the sides. If possible, try to drive more in the middle of the road to avoid large puddles. If you must drive through a puddle tap your brake pedal lightly to dry off some of the water on your rotors.

 Turn on your headlights: even if it is sprinkling lightly visibility is less. Turning on your headlights will help you see the road and help other drivers see you. Make sure that you do not use your high beams in the rain or fog, it will actually make your view more difficult because the falling water droplet with cause a reflection back at you.

Watch for pedestrians: Pedestrians can become distracted while trying to manage an umbrella or their rain coat. Raindrops tend to deaden sound, this means that the usual sounds that measure car distances can be obscured. If it is raining too hard for you to see the road ahead of you it is best to pull over to the side of the road until it lets up.

Hydroplaning happens: Hydroplaning is when the water in front of your tires builds up faster than what your car’s weight can push it away. This will cause your car to rise up on a layer of water that is between your tires and the road. If you start to hydroplane don’t slam onto your brakes or turn your wheel. This can cause you to spin into a skid. Release the gas slowly and steer straight until the car regains its traction. If you must brake, tap the brake gently, (if you have antilock brakes you can put your foot firmly on the brake, this system will automatically tap the brakes for you).

Check the condition of your tires and brakes: Check your brakes, tire pressure, and tire tread depth regularly. A tire that is worn or damaged will most likely hydroplane on wet roads.  Also a tire that is improperly inflated can cause your car to slide on wet roads. Brakes that are sticky, tend to grab, or are worn down this can reduce the effectiveness of your cars ability to stop or maintain traction.

Check your shock absorbers and front end alignment: Worn shock absorbers will cause our car to move around a lot. If your shock absorbers are bad your car will not follow the form of the roadway properly. Your car will feel unsteady and sometimes a little bouncy. This can great impair your control on wet roads. If your front end alignment is off it will cause your car to pull to one side while driving. Overcorrecting the pull can cause your car to skid.

Check your wipers: Check to see if your wipers are working properly and are in good condition. Brittle or damaged blades can cause a streaky windshield you can barely see out of. If you live in an area that has extreme weather and temperature conditions or somewhere that has excessive rain your blades can wear out faster. Some manufacturers recommend that you change your wiper blades twice a year, in the spring and in the fall; your blades will be ready if you get caught in a downpour.

Freezing rain and snow: Carry snow chains, a supply of salt, sand, or kitty litter (the non-clumping kind). If you are stuck and spinning your wheels on a patch of ice place, some of the above material around the tires to help gain some traction. Give the car as little gas as possible; stomping on the gas will only cause the traction material to fly away.

 Emergency Kit: Roadside emergencies can happen any time, and it doesn’t matter is your car is old or new. Common roadside problems range from running out of gas, getting a flat tire, to a mechanical breakdown. Best case scenario it is just the matter of time out of your day, but sometimes your safety can be an issue. Having a basic emergency kit in your car can increase your safety, get you back on the road faster, and help reduce your stress. A basic emergency kit should help you with simple problems, alert other drivers, and get you help if needed. Here are some helpful suggestions:

Cellular Phone-Make sure that the battery is fully charged and remember if you have to call 911 your location and phone number might not be available to the emergency operator. Give the operator your phone number and the best description of location. If you see a “no service” message on your phone try to walk to the side of the road for a better reception.

First-aid Kit-Choose a kit that can handle not only small cuts and burns, but also one that can handle a major gash. Make sure you know what everything is used for; some ointments are for burns only while others handle cuts and scrapes.

Fire Extinguisher-the cause of a car fire can be from an electrical shortage to leaking oil. If this happens you should get as far away from the fire as possible. If a small flame erupts a fire extinguisher can quickly put it out. Fire extinguisher come in a variety of sizes, there are even models that fit under the passenger seat. It is recommended carrying one that is labeled 1A10BC or 2A10BC.

Warning lights, hazard triangles, or flares-If your vehicle is stuck on the side of the road it is important that you let other drivers know, especially if it is dark. Buy battery operated warning lights that can be placed away from the vehicle so others know about you as soon as possible. Reflective hazard signs and flares are also effective and don’t need batteries.

Jack and Lug Wrench-Almost all vehicles come with these items, but it is best that you know where they are and how to use them. Refer to your owner’s manual for instructions and it wouldn’t hurt to use them once so you know exactly what to do. Being on a dark street is not a good time to try and figure them out.

Flashlight-This is critical if you break down at night. Pick one that is waterproof and is bright. A flashlight with a magnet or a mounting stand can free up your hands.

Pen and a pad of paper-Having a small pen and pad kit in your emergency kit can help you jot down information that you need or even leaving a note on your windshield.

Jumper cables- These are easy to use if you have a second car or a portable battery booster. Check your owner’s manual for instructions.

 

Grease Fires

Grease FireGrease fires happen when a collection of grease or oil on a stove, oven, or fryer come in contact with a lit flame or become hot enough to ignite. Grease fires are extremely dangerous because it is a liquid and can spread rapidly and is easily splashed. This can cause the fire to spread to cabinets, furniture, and other flammable areas of the kitchen.

 The best way to deal with a grease fire is to prevent it. The number one way to stop a grease fire is to stay by the stove or fryer at all times. The most serious fires have occurred when food is left to cook on its own. Some other helpful hints are:

 Heat oil slowly. If your cooking oil gets heated too fast it can easily become flammable and spread through your kitchen or cooking area.

 Keep things away from the oil that is being heated. Be careful not to have any liquids close to the pan. If water spills into a hot pan filled with grease it will immediately turn into steam. The steam will spew the hot grease into every direction. As the hot grease lands onto other items (dish towel, counter tops….) the fire can quickly become out of control.

 Deep Fryers can be dangerous. If you are using a deep fryer use extra caution when is come to cords that can be pulled or tangled by people and especially children walking around the area. Also make sure the fryer is not close to the edge of the counter where there is a greater risk that it can get tipped over.

 Don’t overfill your pot. To avoid over filling your fryer first put some cold oil into the pot, lower the food you wish to fry and then add more oil as needed. Once the oil is heated add foods carefully. Pat down food with a paper towel to make sure that the food isn’t holding any water. Lower the food gently with tongs, a long fork, or recommended frying devices. Never drop food into the fryer because they can cause the oil to splatter.

 Be prepared. Keep the lid to the pot nearby and make sure it fits properly. Watch out for glass lids, they can break from exposure to the extreme heat of an open flame. Once the lid is secure the flames will go out by themselves due to the lack of oxygen. Only after the lid is secure you should then turn off the flame. Don’t remove the lid until the pot is completely cooled, this can take up to 30 minutes. If the grease is still extremely hot it can reignite and splatter.  Also have oven mitts or thick pot holders nearby to prevent your hands from being burned.

 Smothering the flame. If you don’t have a lid handy a grease fire can be smothered with baking soda. Flour is not recommended to smother a grease fire because flour is potentially combustible. Using a wet towel can cause the pan to tip over and cause the fire to spread. You also have the risk of the towel itself catching on fire.

 If a fire starts in the oven, turn off the flame and keep the door closed. Make sure that the oven has cooled completely to prevent the chance of the fire reigniting. It is recommended to wait at least 1 hour because ovens tend to cool down slowly.

 Never pick up a pan that is on fire.  A pan that is engulfed in flames can spill and spread rapidly. Also you greatly increase the change of getting burned or catching your clothes on fire.

 Treat any burns only after the fire is out. You should have ointment that can treat minor burns handy, if your burns are severe go to the emergency room. If your clothes catch on fire remember STOP, DROP, AND ROLL.

 Call 911. You can always call and have the fire department go back to the station if you are able to put the fire out yourself.

 Have a fire extinguisher on hand. Both a Class B and a Class K are effective in putting out flammable liquids such as grease and oil, but remember that a fire extinguisher can potentially spread the flames of a grease fire as you try to put it out so be careful when you are using it.

Help Point Claim Services

Help Point Claim Services

Life has a funny way of creeping up on in unexpected ways, sometimes good and sometimes bad. As people living life is good to ready for the unexpected and at Bob Munden Insurance we help you do just that. Help Point Claim Service is to be there for you in a time crisis.

What if there was one number you could call, in the event that the unexpected occurs? One number, that gave you someone to turn to when you couldn’t think of anyone else that could make things better? What if there was one number that you can call at any time, especially following a crisis?

That’s HelpPoint® Claim Services. Most of us aren’t always calm and collected in a crisis situation. We know that and provide services to help you in your time of need. HelpPoint® Claim Services representatives have been specially trained to help you. From advising what to do in an accident, to providing the names and phone numbers of professionals that can help you out, they are ready to guide you in taking steps toward getting things back to normal.

We know that the unexpected doesn’t always occur between hours of business operation, which is why a representative is available to help you 24 hours a day, 7 days a week. Our HelpPoint® Claim Services is available in English at 1-800-435-7764, en Español 1-877-732-5266, and for the hearing impaired at 1-888-891-1660

We know that a fire, an accident, or a burglary can turn your world upside down. That’s why Farmers specially trained HelpPoint® Claim Services representatives guide you through the process of getting everything back to normal in the wake of shock that inevitably follows a crisis. With our HelpPoint® Claim Services, all you have to do is call 1-800-435-7764; en Español at 1-877-732-5266; or for hearing impaired 1-888-891-1660 and a representative will help you 24 hours a day, 7 days a week. Farmers gets you back where you belong. We’re here for you in your time of need.

Business Insurance

At Bob Munden Insurance Services we make your business our business

The following terms and descriptions are to help you understand why it is important your business should be protected. You never know what can go wrong and it is always good to be ready for anything. You can click on any term to get more information.

Business Auto

When you own a business, you have a unique set of operation and protection requirements all your own. Especially for business owners that own and operate vehicles, Business Auto insurance provides coverage for your unique needs.

Business-Life Insurance

What happens to your business if something happens to you? Make sure that your dream and your business live on by considering the options that a Business-Life insurance policy can offer.

Crime

You never expected it to happen to your business. Your employees seemed honest, but now you’re fighting a lawsuit because someone used a client’s credit card information. Crime coverage helps protect your business from acts of dishonesty.

General Liability

A customer was injured while visiting your business and now you’re stuck with a pretty expensive medical bill. General Liability covers contractual, personal and advertising injury, as well as liability protection.

Partnership Life Insurance

If you are in a partnership, you hope that it continues for as long as you own your business. However, should something happen to one of the partners, it’s important to have coverage to survive this loss. Partnership Life insurance can offer you the protection you need.

Property

You arrive to work early one morning, only to realize that your business property was vandalized during the night. Fortunately, you had customized Property insurance to cover such a loss. Your business is up and running again, and you hardly missed a beat.

Small Business Workers’ Compensation Insurance

Losses from injuries that happen on the job, regardless of who’s at fault, can cost employers a great deal of time and money. Worker’s Compensation for small businesses offers unique coverage for just such losses.

Sole Proprietorship Life Insurance

What if something happens to you and your business still has a lot of debt? Make sure that your estate is protected with Sole Proprietorship Life insurance.

Stockholder Life Insurance

Stockholder Life insurance can be used to create a pre-death, buy-sell agreement and to arrange the sale of stocks to remaining shareholders should something happen to one or more of the business owners.

Surety Bond Program

A Surety Bond Program creates a contract for the fulfillment of an obligation. It gives some businesses an opportunity to grow in a way in which they couldn’t have without the program.