The Dangers of Installing Solar Panels

The Dangers of Installing Solar Panels

The Dangers of Installing Solar Panels

Solar panel installation is a risky job, particularly due to the combination of electrical hazards and working at dangerous heights. Because worker safety is our top priority, we are providing this overview to teach you about the dangers you face while installing solar panels and how you can keep yourself safe from each hazard. GDI Insurance Agency, Inc. your solar panel installer insurance experts. Call us today 209-634-2929 for your free quote!

Fire and Explosions While Installing Solar Panels

Contrary to popular belief, the risk of fire and explosion from solar panels does not stem from the possibility of overheating or spontaneous combustion. Rather, it is the result of faulty wiring and careless installation near flammable gases or vapors. To prevent fires and explosions while installing solar panels, use the correct wire size and ground all electrical systems and tools properly. Check for hazardous gases or vapors in the area before beginning the installation process to protect from the risk of explosion.

solar power installers insurance

Electrocution from Installing Solar Panels

Electrocution is a major concern when installing solar panels. Solar modules generate up to 600 volts of DC electricity when exposed to sunlight, and when several modules are connected in series, the hazard increases exponentially. Always use the DC disconnect switch when working on a string of PV panels.

Some inexperienced solar panel installers do not realize that unlike a normal power system, turning off the main breaker will shut down the building’s utility power, but it will not stop solar systems from producing power. Therefore, you should keep the module(s) packed in a box until the last minute, and during installation, cover the face with opaque material to halt electrical production. Also, do not touch the terminals while the modules are exposed to light, and as with any electrical work, only use insulated tools.

In addition to the possibility of electrocution while working with the actual PV module, several PV technicians have also been seriously injured by accidentally coming into contact with nearby high-voltage power lines during the installation process. To prevent electrocution from nearby high-voltage power lines, make sure you assess the worksite before beginning a job and insist on adequate on-site supervision to warn workers when they are within 10 feet of a power line.

Solar Power Installer

Chemical Leaching

The manufacturing process for solar panels involves heavy, toxic metals. It is important to note that broken modules may leach dangerous chemicals, though officials still debate the validity of this hazard. Experts agree that it is not possible for chemicals used in manufacturing to leach onto rooftops or into buildings from a properly functioning module. However, there is debate surrounding whether chemicals from a broken panel could leach and cause harm, whether broken during installation or after disposal.

The best defense against this potential hazard is to prevent breakage altogether by leaving the panel packed until use, taking care not to drop items or accidentally step on the module, and continually making sure  the panels are supported and secured at all times. To avoid causing a break in modules post-installation, plan ahead by trimming trees and other objects that rise above the panels. Remember, do not use a module if there is any evidence of broken glass.

Trips, Slips and Falls

As with any job performed at heights, installing solar panels carries the risk of dangerous slips, trips and falls. Stay sure-footed by wearing the proper personal protective equipment (PPE), including non-slip shoes, and by only working in dry conditions with the proper tools. Always look in the direction you are walking, and cover skylights and other roof openings in the area.

Burn Hazards

When performing solar plumbing jobs, burns are one of the largest risks. Applying fluid to a hot solar system may result in the liquid flashing to steam and causing serious burns to the face or arms. In addition, the system’s collector manifolds may become extremely hot. While most of the collector can be handled safely with bare hands, you should always wear gloves in case you come in contact with the collector manifolds. Also, it takes a good deal of time for solar collectors to cool down after sitting in direct sun, so be mindful of this fact when performing maintenance even if the work is done after dark.

Summary

The installation of solar panels is still a relatively new business, so establishing healthy work patterns is extremely important. Working with power sources is a historically dangerous industry, but solar power does not have to be. Learn about the causes of the many hazards we have discussed, and actively work to correct and avoid these hazards in order to maintain a safe working environment for everyone.

GDI Insurance Agency, Inc.

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive solar panel installer insurance quote!

Landscaping Employee Safety Plan

Landscaping Employee Safety Plan

Landscaping Employee Safety Plan

As a Landscaping Business Owner you recognize that employees drive a lot of your business. Employees should be safeguarded through training, work surroundings and procedures that foster protection of health and safety. Implementing your Landscaping Employee Safety Manual and committing to these landscaping employee safety tips can prevent many workplace accidents. GDI Insurance Agency, Inc. is your landscape insurance specialist. Give us a call today 209-634-2929 for your free quote.

landscaping employee safety

Commitment To Landscaping Employee Safety

Being firmly committed to the safety of your employees is essential for landscape business owners. By implementing processes that prevent workplace incidents will provide a safe working environment for all employees.

Be sure to encourage your employees to report any unsafe work practices or safety hazards encountered on the job. All accidents or incidents, no mater how slight, should be immediately reported to the supervisor on duty.

landscaping employee safety

Landscaping Employee Safety Agreement

  1. All accidents are preventable through implementation of effective safety and health control policies and programs.
  2. Safety and health controls are a major part of our work every day.
  3. Accident prevention is good business. It minimizes human suffering, promotes better working conditions for everyone, holds  in higher regard with customers and increases productivity.
  4. Management is responsible for providing the safest possible workplace for employees. Consequently, management of  is committed to allocating and providing all of the resources needed to promote and effectively implement this safety policy.
  5. Employees are responsible for following safe work practices and company rules, and for preventing accidents and injuries. Management will establish lines of communication to solicit and receive comments, information, suggestions and assistance from employees where safety and health are concerned.
  6. Management and supervisors of  will set an exemplary example with good attitudes and strong commitment to safety and health in the workplace. Toward this end, management must monitor company safety and health performance, working environment and conditions to ensure that program objectives are achieved.
  7. Our safety program applies to all employees and persons affected or associated in any way by the scope of this business. Everyone’s goal must be to constantly improve safety awareness and to prevent accidents and injuries.
landscaping employee safety

Landscaping Employee Safety Responsibilities

The primary responsibility of  employees is to perform their duties in a safe manner in order to prevent injury to themselves and others.

As a condition of employment, employees MUST become familiar with, observe and obey ’s rules and established policies for health, safety and preventing injuries while at work. Additionally, employees MUST learn the approved safe practices and procedures that apply to their work.

Before beginning special work or new assignments, an employee should review applicable and appropriate safety rules.

If an employee has any questions about how a task should be done safely, they are under instruction NOT to begin the task until they discuss the situation with their supervisor. Together, they will determine the safe way to do the job.

If, after discussing a safety situation with their supervisor, an employee still has questions or concerns, they are required to contact the Safety Coordinator.

NO EMPLOYEE IS EVER REQUIRED to perform work that they believe is unsafe or that they think is likely to cause injury or a health risk to themselves or others.

General Landscaping Employee Safety Rules

Conduct

Horseplay and practical jokes are forbidden. Employees are required to work in an injury-free manner displaying accepted levels of behavior. Conduct that places the employee or others at risk, or which threatens or intimidates others, is forbidden.

Drugs and Alcohol

Use and/or possession of illegal drugs or alcohol on company property or on company time is forbidden. Reporting for work while under the influence of illegal drugs or alcohol is forbidden.

Housekeeping

You are responsible for keeping your work area clean and safe. Clean up several times throughout the day, disposing of trash and waste in approved containers, wiping up any drips/spills immediately and putting equipment and tools away as you are finished with them.

The following areas must remain clear of obstructions:

  • Aisles/exits
  • Fire extinguishers and emergency equipment
  • All electrical breakers, controls and switches

Injury Reporting

All work-related injuries must be reported to your supervisor as soon as practicable.  Failure to report injuries can result in loss of Workers’ Compensation benefits.  After each medical appointment resulting from a work-related injury, you must contact your supervisor to discuss your progress. You must also give your supervisor any paperwork that you received at the appointment.

Providing Transitional Return to Work (light duty) jobs for persons injured at work. Transitional work is meant to allow the injured or ill employee to heal under a doctor’s care while remaining productive. Employees are required to return to work immediately upon release.

Off-site Safety

  • Employees are required to follow all standard safety and security procedures during off-site visits.
  • If your contact person does not advise you regarding safety hazards:
  • Note emergency exit location(s) when indoors.
  • Keep your eye on the path you are walking and avoid any tripping/slipping hazards. When on stairs maintain three-point contact (hand on rail and feet on stairs).
  • Look for features on a property that could present a unique hazard to the task at hand.

These rules are established to help you stay safe and injury free. Violation of the above rules, or conduct that does not meet minimum accepted work standards, may result in discipline, up to and including discharge. When working at a customer location, employees are required to follow the above rules, as well as all customer rules and procedures, and work in a manner that reflects positively on the company. Before operating any equipment at a customer location, permission must first be secured from the customer contact.

GDI Insurance Agency, Inc.

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive Landscape contractor insurance quote!


Get Ready For Motorcycle Season

Get Ready For Motorcycle Season

Get Ready For Motorcycle Season

As we approach motorcycle season, we’ve got tips from motorcycle safety to theft protection and even what type of motorcycle insurance you should have. There’s nothing like getting on your motorcycle and going for a ride! At GDI Insurance Agency, Inc. we want to make sure you and your motorcycle are always protected. Contact us for your free motorcycle insurance quote 209-634-2929.

motorcycle season

Motorcycle Season Means Safety First

There is a growing trend in the number of motorcycle fatalities and accidents each year, making motorcycle safety a real concern for riders. Read on for some basic tips to help you arrive at your destination…safely.

Common Causes of Motorcycle Accidents:

  • Motorists fail to see riders when they are coming out of a driveway, making a left turn in front of an oncoming rider or when the motorcycle is in the driver’s “blind spot.”
  • Many riders do not obtain the proper motorcycle license and training to learn how to properly operate the bike.
  • Riders speed excessively while also weaving in and out of traffic lanes.
  • Riders are under the influence of drugs or alcohol—the cause of almost half of all motorcycle accidents.

Safety Tips For Riders

  • Attend motorcycle training courses and get a license specifically for a motorcycle. California Motorcyclist Training is just one example of a motorcycle training programs.
  • Always wear a helmet and other appropriate gear.
  • Do not drink alcohol or use drugs while operating a motorcycle.
  • Practice using the controls and gears while your bike is off and parked.
  • Follow posted speed limits.
  • Look out for hazards such as potholes, cracks and bumps in the road.
  • Exercise extreme caution when you are carrying passengers.
motorcycle season

Safety First This Motorcycle Season

As mentioned above, accidents are commonly cause by motorists failing to see riders. To increase the odds of a motorist seeing you before it is too late:

  • Do not tailgate or weave between lanes if traffic is slow.
  • Abide by traffic laws, just like motorists are expected to do.
  • Always use turn signals to warn motorists of your intentions.

Prevent Motorcycle Theft

Since motorcycles are easily accessible, they are highly prone to theft. If you like to hit the open road on two wheels, be mindful of these theft prevention guidelines to avoid having your bike taken.

Tips To Keep Your Motorcycle Safe

  • When you get off your bike, shut off the ignition and then lock it.
  • Lock the forks (disk brakes).
  • Purchase locks that are brightly colored to discourage potential thieves.
  • Lock multiple motorcycles together if you are traveling in a pack.
  • If you are riding alone, lock your motorcycle to a stationary object that cannot be dismantled such as a light pole.
  • Install an alarm on your bike that sounds when it is tampered with.
  • Check on your bike periodically when you are at a public event, especially shortly after you arrive.
  • Park your bike in front of a security camera or close to your room, when staying at a hotel for the evening.
  • Store the title for your motorcycle in your home; not in the compartments or saddlebags on your bike.
  • Mark your bike with a unique symbol or mark and take photographs of that. If your motorcycle is stolen, you can present this information to the police.
  • Always keep your motorcycle registration and insurance information with you when riding.
motorcycle season

Especially if You Are Selling Your Motorcycle

Motorcycle thieves may try and steal your bike when you are putting it up for sale. When potential buyers come to test drive your bike:

  • Withhold the title until you have conducted a background check on the potential buyer and his/her payment has cleared.
  • Verify the buyer’s personal information and cross reference it with their identification.

Reducing Risks for Riders

There’s nothing like the freedom you feel when riding but if you’re on the road, you’re at risk. To ensure you’ve got the coverage and financial protection you need, consider the following motorcycle insurance coverage options.

Liability Insurance Coverage

Required by most states, liability insurance covers bodily
injury and property damage that you may cause to other people involved in an accident.

Bodily injury liability – typically covers the other driver or your passenger’s expenses such as medical bills, lost wages, and pain and suffering. Property
damage liability – typically covers the expense of repairing damage to others’ property (vehicles, homes, fences, etc.).

Collision Insurance Coverage

Collision insurance covers damage, minus your deductible, to your motorcycle if you are involved in an accident. Keep in mind, collision insurance usually covers the book value of the motorcycle before the loss occurred.

motorcycle season

Comprehensive Insurance Coverage

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision insurance coverage, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist insurance coverage covers damages to you and your property caused by another driver who either is uninsured or underinsured to cover your damages. This coverage typically pays for medical treatment, lost wages and other damages.

Optional Equipment Coverage

If you decide to customize your motorcycle, you should look into obtaining additional or optional equipment coverage. Most comprehensive and collision insurance coverages will only cover the factory standard parts on your motorcycle.

Is a “Lay-up” Right for You?

There’s no need to fully insure your motorcycle if it’s stored for an extended period of time. With a lay-up insurance policy, all coverage except comprehensive is suspended for a specified period of time. Ask us for more details about this more affordable seasonal coverage option.

Motorcycle Season and Beyond – We’re Here to Help!

Call our office today at 209-634-2929 to learn more about all of our affordable vehicle insurance and personal risk management solutions.

GDI Insurance Agency, Inc.

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive motorcycle insurance quote!

What To Do During Active Shooter Incidents

What To Do During Active Shooter Incidents

Facts About Active Shooter Incidents

ActiveShooterData.org analyzed 192 active shooter incidents between 2000 and 2015. It found that business locations were the site of more than half of all events, with 98. Schools had the second-highest amount of active shootings (44 events). There were 32 active shooter incidents that took place in public venues. There were eight active shooter incidents that occurred in churches and seven that occurred within medical facilities during this time period. Military bases experienced three active shootings.

active shooter incident

What To Do During Active Shooter Incidents

An active shooter is an individual who is actively engaged in killing or attempting to kill people in a confined and populated area, according to the Department of Homeland Security. In most cases, the situations are unpredictable and evolve quickly. Because an active shooter incident is often over within 10 to 15 minutes—before law enforcement arrives on the scene—individuals must be prepared both mentally and physically to respond to an active shooter situation.

Even if the company is able to resume its operations after an active shooter incident, recovery can take an extensive amount of time. To recover from a shooting, organizations should make continuity planning, personnel issues and communication strategies top priorities. In this guide, we’ll share recommendations from experts about what organizations can do to recover from an active shooter incident.

active shooter incident

Managerial Roles During An Active Shooter Incident

Employees and customers are likely to follow the lead of management and HR personnel during an emergency. Taking the time to devise an emergency action plan, and delegating certain tasks among management and HR can mean the difference between life and death. As such, managers should be prepared to do the following:

Emergency Preparedness Kits

In the event of an emergency evacuation, safety is paramount. You should never go out of your way to grab personal belongings. However, business owners have a responsibility to keep their employees safe, besides worrying about whether they can remain fully functional as an organization. That is very difficult to do if you’re not equipped with everything you might need as the incident unfolds—and the hours that follow.

Having an emergency preparedness kit ready to grab on the way out—or available for law enforcement to access when it is safe for them to do so—can be invaluable when you need to account for your employees, communicate with their emergency contacts, deal with the press and even potentially provide first aid.

Even when it is safe to re-enter the building, law enforcement may not allow you to. An emergency preparedness kit should contain whatever an employer needs to keep communication open between staff, customers and third-party vendors. It should be placed so that designated individuals can grab them quickly as they exit the building or in a predesignated meeting location off-site. Contents in the kits should be updated regularly, and they should be light enough to not become a burden. Some examples of what to put in an emergency preparedness kit can be found here.  

Active Shooter Incident

How To Respond When An Active Shooter Is In Your Vicinity

In the event that an active shooter is in the vicinity, remember that employees are likely to follow the lead of management, and customers are likely to follow the lead of employees. The Department of Homeland Security makes the following recommendations:

1. Evacuate

If there is an accessible escape path, attempt to evacuate the premises with the following considerations:

  • Have an escape route and plan in mind.
  • Evacuate regardless of whether others agree to follow.
  • Leave your belongings behind. Managers or individuals responsible for your company’s emergency preparedness kit should grab it on the way out only if doing so doesn’t put them in further danger.
  • Help others escape, if possible.
  • Prevent individuals from entering an area where the active shooter may be.
  • Keep your hands visible so the shooter does not see you as an immediate threat.
  • Follow the instructions of any police officers.
  • Do not attempt to move wounded people.
  • Call 911 when you are safe.

2. Hide Out

If evacuation is not possible, find a place to hide where the active shooter is less likely to find you. Your hiding place should have the following characteristics:

  • Be out of the active shooter’s view
  • Provides protection if shots are fired in your direction (e.g., an office with a closed, locked door)
  • Doesn’t trap you or restrict your options for movement

You should also take some basic steps to prevent a shooter from noticing your presence or entering your hiding place:

  • Lock any doors, if possible.
  • Blockade the door with heavy furniture.
  • Silence your cellphone.
  • Turn off any source of noise (e.g., radios or televisions).
  • Hide behind large items (e.g., cabinets or desks).
  • Remain as quiet as possible.

If evacuation and hiding are not possible:

  • Remain calm.
  • Dial 911 to alert police to the active shooter’s location, if possible.
  • If you cannot speak, leave the line open and allow the dispatcher to listen.

3. Take Action Against the Shooter as a Last Resort

As a last resort, and only when your life is in imminent danger, attempt to disrupt and or incapacitate the active shooter by doing the following:

  • Acting as aggressively as possible toward him or her
  • Throwing items and improvising weapons
  • Yelling
  • Committing to your actions

How Active Shooter Incidents End

Active shooter incidents typically end in one of four ways:

  • The shooter commits suicide
  • The shooter and law enforcement exchanged gunfire
  • Unarmed citizens successfully restrained the shooter
  • Armed citizens exchanged gunfire

Day of Shooting Communication

Having a well-prepared emergency action plan in place before an emergency is crucial, but executing that strategy is much more difficult in the face of tragedy. In order to effectively communicate with stakeholders and employees, businesses need to delegate responsibilities ahead of time. These responsibilities should be listed in the company’s emergency action plan and include tasks such as communicating with family members and talking to the press, among others. Leadership should have several preplanned responses to rely upon and modify as needed for active shooter incidents. The emergency preparedness kit can help with this.

Keep in mind that, although social media makes a great tool for communicating with the public post-incident, it is not an appropriate platform for informing family members of any details. One communication option to consider is the use of dark websites that go live in the event of an emergency. When someone types in the main URL for the organization, they are redirected to a ghost site that has the latest information available.

Don’t forget about visitors. Making sure visitors provide their cellphone numbers when they check in can help you contact them in any emergency situation. Ask law enforcement for access to your visitor log so you can account for all visitors who were in the building the day of the shooting.

GDI Insurance

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive business insurance quote!

What To Know Before You Buy a New or Used Car

What To Know Before You Buy a New or Used Car

What To Know Before You Buy a New or Used Car

Should you buy a new car or used car? While buying a used vehicle will save you money in purchase price and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid purchasing a car with hidden problems, consider the following buying precautions:

buying a new car

Buying Used Vehicles

  • Excessive wear and tear in the interior, regardless of what the odometer says, is a clue that the car has seen some miles.
  • Damp, musty odors are indications of leaks in the windshield, weather stripping or heater core.
  • Cars that ride lower in the front as compared to the back indicate worn springs.
  • Vehicles that bounce when pushed on indicate worn shocks and struts.
  • Tires with worn outer edges from the front end represent the need for an alignment.
  • Clanking noises when the vehicle is in gear point towards a problem with the drive shaft universal joints.
  • Repainted body panels.
  • Motor oil that is not full indicates that the engine may be leaking or burning oil.
  • Knocking and ticking sounds that increase as the engine speed increases represent major problems and costly repairs.
  • Transmission fluid that is black or brown may indicate internal damage.
  • Banging, grinding or squeaking noises indicate a damaged or broken transmission mount.

Is the Mileage Right?

Do not be fooled by the mileage on the odometer! To see if the instruments have been tampered with, look for fingerprints or scratches inside the plastic covering. Mile numbers that don’t line up properly on the odometer offer another fraud clue. This may be a crude attempt at getting you to buy a vehicle that has far more miles (and problems) than what the low mileage would suggest. There are many factors when you buy a new or used car.

Avoid Buying Flood Damaged Cars

In the wake of major natural disasters like Hurricane Harvey and Hurricane Irma, the used car market is often inundated with flood-damaged cars and trucks, many of which are cleaned and transported to other parts of the country to be sold to unsuspecting consumers.

What To Look For:

The vehicle may look like it is in good condition from the outside, but moisture inside can have devastating effects that can lead to problems with:

  • Electronics, such as engine controls or brake signals
  • Dashboard rotting
  • Airbags and safety sensors
  • Interior upholstery, carpeting and roof

To lessen your risk of buying a flood-damaged vehicle, take these buying guidelines into account:

  • Check the title history of the vehicle.
  • Inspect the wiring system.
  • Inspect the interior and engine compartment for any evidence of water.
  • Be wary of a vehicle that was recently shampooed.
  • Look for water residue or stains from evaporated water under the floorboard carpet.
  • Look for rust on the inside of the vehicle and under the carpeting. Inspect the upholstery for fading.
  • Look out for musty smells in the inside of the vehicle and in the trunk.
  • Check for rust on screws in the console area where water would not normally reach.

Unlike the purchase of a new vehicle, most states’ lemon laws do not apply for purchases of used vehicles. In addition, many states do not require a grace period on used purchases as well. Therefore, you must thoroughly inspect a used car or truck before deciding to hand over your money and sign on the dotted line.

buy a new car

Should I Buy The Extended Warranty When I Buy My New or Used Car?

Consider the following before purchasing a vehicle service contract:

  • Is the contract easy to comprehend? Read the contract before purchasing and make sure that you fully understand the scope of the coverage.
  • Are the coverage terms and limits applicable to your situation?
    • Do the term and mileage restrictions coincide with how long you plan to own the vehicle?
    • Are you comfortable with the deductible?
    • Can you cancel the contract if you sell the vehicle or want to terminate it? If so, what penalties and refunds are applicable?
  • Which company is providing coverage? Consider providers that deal with reputable insurance companies who are licensed with an “Excellent” rating from A.M. Best Co. (rating agency for the insurance industry). Visit www.ambest.com for more information.
  • What is the process for receiving coverage benefits? Reputable companies will make the repair process simple for their consumers.
    • Are there restrictions on where repairs can take place?
    • How are claims paid?

Before making an extended warranty purchase, make sure you are fully comfortable with the provider. They should be nationally recognized and have demonstrated a firm commitment to their customers for many years.

Also, do not get duped by a low price. If it seems too low for the amount of coverage that you will be receiving, the contract is probably too good to be true!

buy a car

What To Look For In A Safe Vehicle

Whether you want to buy a new or used car, safety is a big concern. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. Many automakers offer safety features beyond the required federal minimums. Find out more about what safety features should be considered when you buy a new or used car.

Consider the following safety features:

  1. Crashworthiness: These features reduce the risk of death or serious injury when a crash occurs. Crashworthiness ratings can be found at: www.iihs.org.
  2. Vehicle structural design: A good structural design has a strong occupant compartment, known as the safety cage, as well as front and rear ends designed to buckle and bend in a crash to absorb the force of the crash.
  3. Vehicle size and weight: The laws of physics dictate that larger and heavier cars are safer than lighter and smaller ones.
  4. Anti-lock brakes: Anti-lock brakes pump brakes automatically many times a second to prevent lockup and allow you to keep control of the car.
  5. Daytime running lights: These lights automatically turn on with your car. By increasing the contrast between a vehicle and its backgrounds and making the vehicles more visible to oncoming drivers, these lights can prevent daytime accidents.
  6. On-the-road experience: Other design characteristics can influence injury risk on the road. Some SUVs are prone to rolling over. “High performance” cars typically have higher-than-average death rates because drivers are tempted to use excessive speed.

Safety First

Belts, airbags and head restraints all work together with a vehicle’s structure to protect people in serious crashes. Lap/shoulder belts hold you in place, reducing the chance you’ll slam into something hard or get ejected from the crashing vehicle. If you aren’t belted, you’ll continue moving forward until something suddenly stops you – often a hard interior surface that will cause injuries. Consider the vehicle’s safety belt, airbag and head restraint features when shopping with safety in mind.

GDI Insurance Agency, Inc.

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more. We understand when you buy a new or used car there are many insurance questions. Feel free to contact us 209-634-2929 when it comes to your auto insurance and costs.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive auto insurance quote!

Restoring Your Business After a Flood

Restoring Your Business After a Flood

Restoring Your Business After a Flood

We’ve heard words like “atmospheric rivers” and “snowmagedon” from the many storms that we have seen in California. These crazy storms have produced intense heavy rain and feet of snow that have caused massive flooding throughout California. With the high risk of flood possible, it’s a good time to download our Business Flood Preparation checklist and review information on restoring your business after a flood.

restoring your business after a flood

Floods Can Cause Large Scale Damage To Your Business

Floods can be miserable ordeals, even with extensive preparation. They can spring up with little to no warning and saddle you with the responsibility of a lengthy, expensive restoration period. Your business could be underwater in a flash, and you could be faced with mounting repair bills and extended interruption to your business. Restoring your business after a flood may seem impossible, but you can come back stronger.

But floods can also be regenerative. Large-scale damage to your business is an opportunity to rebuild and minimize potential damage and disruption that could be caused by future floods. If your business has sustained flood damage, do not panic. Think of it as a chance to fortify your business against future flood damage rather than nothing but a ruinous misfortune.

Preparing Your Business For A Flood

Cleaning Up After a Flood

Once floodwaters start to recede, you may want to immediately get your hands dirty and start the cleanup effort. Fight that urge. Never re-enter premises until you are absolutely sure they are safe. Floods leave multiple hazards in their wake, such as exposed wires, weakened buildings and contaminated water. Your first priority should be the safety of yourself, your employees and anyone else who might enter or pass near your business. Restoring your business after a flood will take time, but safety should be your first concern.

Local insurers often visit flood-damaged premises and offer guidance after floodwaters start to retreat. Until then, use extreme caution when visiting your business. Before entering your flood-damaged building:

  • Notify your insurer. Take pictures of contents and damage for your insurer—the more the better—but only if it is safe to do so.
  • Turn off your building’s gas and electricity, and any fuel taps. Never touch sources of electricity when standing in floodwater.
  • Check for structural damage before entering the building. Do not enter if there is any chance it may collapse.
  • Assume that all water-damaged structures are unstable until proven otherwise.
  • Treat all stairs, floors, roofs and overhangs as unsafe until they are inspected.

What Happens Next?

Your insurer will send a loss adjuster and other specialists to assess your business’ damage. After ensuring that your property is stable, it is time to get dirty. When restoring your business after a flood follow this guidance:

  • Ensure you and your employees follow every health and safety precaution, such as wearing boots, rubber gloves and other personal protective clothing.
  • Use caution when handling debris—it may be contaminated or harbor unseen sharp objects.
  • Dispose of equipment only after notifying your insurer.
  • Disinfect your property with ordinary household cleaners, but follow the manufacturer’s directions to ensure you are disinfecting properly. Let cleaned surfaces dry completely.
  • Open a window and leave the building if you smell gas or hear blowing or hissing—these may be signs of a gas leak.
  • Operate electrical equipment only if the ground is dry—never operate electrical equipment that is in or near water.
  • Clean any water taps that were submerged in contaminated floodwater with a bleach solution. Let the water run for 30 seconds prior to using it.
  • Drain water in stages to avoid disparity between the water pressure inside and outside your building.
  • Shovel mud out in stages so the pressure inside and outside remains equal. Remove the rest with a hose, but make sure it is not a high-pressure one—these hoses can blast contaminants into the air.
  • Use a pump and generator to remove water. Position the generator outside in the open air if it produces carbon monoxide. Only pump out water once the flood levels outside your property are lower than inside.
  • Keep windows and doors open, weather permitting, to expedite drying, but never sacrifice building security.
  • Dry your building using a combination of fans, industrial heaters and dehumidifiers. Your insurer may provide these tools.
  • Leave central heating on at 68° F or above to encourage drying if it is safe.

Upgrading After a Flood

Restoring your business after a flood

Make the most out of an unfortunate situation by using your flood damage as an opportunity to repair your property with flood-resistant products. Consider installing the following flood-resistant precautions:

  • Pumps and pump systems sit below the ground floor to remove water that enters from the ground.
  • Flood skirts are barriers erected around any potential inlet for water.
  • One-way valves are fitted to water pipes to prevent water backing up into your property.
  • Water-resistant sealants refer to a wide variety of sealants—you can use them all over your property.
  • Plastic fittings in kitchen or lavatory areas are more durable than reconstituted wood, which disintegrates in a flood.
  • Electrical sockets, fuse boxes and wiring should be raised at least 12 inches above the 100-year flood level in your area to prevent water damage.
  • High shelving is a convenient option for ensuring you have an area above floodwater to store valuable items.

No matter what you install, the ultimate preparation for a flood is proper insurance. Remember that your damaged stock and premises will not be the only setback you suffer from a flood—interruption to your business’ continuity can be fatal. Purchase a comprehensive policy that accounts for business interruption and is tailored to your specific industry and location. Taking risk-reduction measures may help cut down your premium or excess.

Contact the insurance professionals at GDI Insurance Agency, Inc. for more information about keeping your business afloat when faced with flood damage.

California’s Leader in Insurance and Risk Management

As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.

We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive business insurance quote!