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When it comes to insurance in the North Florida area, look no further than Baker-Harris Insurance. We offer auto, health, home, life, business, workers comp and so much more!


Call us at 850-386-1420 or check out our web page for more information.








Tuesday, July 31, 2012

Errors & Omissions Insurance

When evaluating the need for E & O coverage, a business should consider its relationship to their clients. If you are in the business of providing a service to your clients for a fee or remuneration, you potentially have E & O exposure.
Consider what would happen if the service you provide is not performed correctly, late or not as promised. What would the resulting problem cost your client in terms of money or their reputation?

No one is perfect, and even the best employees or subcontractors acting on your behalf can make mistakes.

If a mistake is made causing harm or damage to your client, E & O coverage can help protect you from defense costs and/or financial damages awarded against you.
These types of losses are not usually covered by your general liability policy; and by not purchasing  separate E & O coverage, you may be taking a financial risk.

Even if not found at fault, litigation is both time consuming and expensive.

There is no standardized insurance industry policy language for E & O coverage.  What might meet one business's professional exposures may not meet yours. Carefully review the coverage being offered being certain that it fits your needs and exposures. Your insurance agent can be of great assistance in making sure you make a sound decision.

A properly purchased E & O policy can protect you from your mistakes and the mistakes of employees and independent contractors you hire.

As reported by John Bures, National Underwriter P & C

Tuesday, July 10, 2012

Egads! My teen has a drivers license! Now what?

It's an exciting time, and a rite of passage, when your teen begins to drive. But as a parent it's also a time of worry as you send them off, trusting that they've developed the right driving skills.

To help with the process, we've provided some important information and facts that you can share with your teen as you guide them in becoming a safe driver.
What are six principal reasons that contribute to teenage driving problems?
 
Drinking and driving: In 2008, 31 percent of the teen drivers who were killed in motor vehicle crashes had been drinking; 25 percent had a blood alcohol content of .08 or higher.*

SpeedingTeenagers':crashes and violations are more likely to involve speeding than those of older drivers. In 2008, 37 percent of 15- to 20-year-old male drivers involved in fatal crashes were speeding.**

Driving at night: 50 percent of all teen deaths from motor vehicle crashes occurred between 3 p.m. and midnight.***

Seat belts:Teens have the lowest rate of seat belt use for all drivers; this rate becomes worse when there are other teens in the car.*

Weekend accidents: 56 percent of teenagers' fatalities in motor vehicle related crashes occurred on Friday, Saturday or Sunday.*** 
            Texting/Cell phone use and Driving: Based on a 2009 study,  while teenagers are texting
            they spend about 10 percent of the time outside the driving lane they’re supposed to be in.

Studies on texting and driving have also concluded:


  • Talking on a cell phone while driving can make a young driver’s reaction time as slow as that of a 70-year-old.
  • Answering a text takes away your attention for about five seconds. That is enough time to travel the length of a football field.
  • Each year, 21% of fatal car crashes involving teenagers between the ages of 16 and 19 were the result of cell phone usage. This result has been expected to grow as much as 4% every year.
  • Almost 50% of all drivers between the ages of 18 and 24 are texting and driving.
  • Over one-third of all young drivers, ages 24 and under, are texting on the road.
  • Teens say that texting is their number one driver distraction.

  • What can you do as a parent?
    There are several steps you can take to increase your teen's safety:
    • Choose vehicles for safety, not image. Ensure that the car has airbags and antilock brakes.
    • Provide new drivers with plenty of supervised driving practice, even after they have obtained a license.
    • Mandate safety belt usage.
    • Even if your state's graduated licensing law doesn't already mandate it, restrict the number of passengers allowed to ride with your teen driver. Crash rates increase sharply when a teen driver has passengers, particularly other teenagers.
    • Enforce "no drinking and driving" rules.
    • Emphasize that safe driving requires your teen's full attention.
    • Enforce no texting or calling while behind the wheel.
    • Place restrictions on nighttime driving and enforce the curfews set by the local towns.
    • Enroll new drivers in a driving school to educate them about cars, driving conditions and driving techniques. This will prepare teenagers for the road, and it could reduce accidents.
    • Discuss and reinforce responsible driving behavior with teenagers. Because teenagers are new drivers, they simply don't have the behind-the-wheel experience necessary to understand the dynamics associated with driving a motor vehicle. There's a vast difference between riding in the passenger seat and being the one behind the wheel.

    By teaching teenagers responsible driving behavior, you can help prevent accidents. We encourage you to discuss safe driving with your teenager—it could be one of the most important conversations you have.
    *2008 Young Drivers Traffic Safety Fact Sheet. National Highway Traffic Safety Administration, National Center for Statistics and Analysis
    **2008 Speeding Traffic Safety Fact Sheet. National Highway Traffic Safety Administration, National Center for Statistics and Analysis
    ***Centers for Disease Control and Prevention. Youth Risk Behavior Surveillance - United States. 2007 [online] 2009. National Center for Chronic Disease and Health Promotion (producer)