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McVey Insurance – We’re Always At Our Best.

Providing business owners and families with the innovative advice, guidance and solutions since 1959. McVey Insurance – located in California’s Central Valley, is one of the leaders in Personal, Commercial and Life Insurance products. Your business and your personal assets are priceless. That knowledge is at the forefront of our hearts and minds while we assist every client to make the most important protection decisions of their lives. The lowest price isn’t always the right price, but we make sure you find the most competitive solution the insurance marketplace has to offer – always. You’ll be able to move forward with trust and confidence that the insurance solution we recommend for your family or business, will be the one that’s right for your needs. Are You A Business Owner looking for Competitive Insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, McVey Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality. You’re never just a number to us – and when you need your insurance coverage to respond, it’s like having family in the business. Looking For Personal Insurance? We have strong relationships with the most competitive carriers you’ll find anywhere. These strong relationships help us get you the valuable protection you need, and the fast – responsive claims handling service you expect when you need us most. Whether it be life insurance, a personal automobile policy, or health insurance in Central California, our experienced agents will take care of you – like we have for thousands of others since 1959. McVey Insurance – We’re Always At Our Best.

Tips for Holiday Workplace parties

Author JamesMcVey , 11/26/2012
From http://businessinsure.about.com “Some tips from the Department of Labor:
  1. Be honest with employees. Make sure your employees know your workplace substance abuse policy and that the policy addresses the use of alcoholic beverages in any work-related situation and office social function.
  2. Post the policy. Use every communication vehicle to make sure your employees know the policy. Prior to an office party, use break room bulletin boards, office e-mail and paycheck envelopes to communicate your policy and concerns.
  3. Reinvent the office party concept. Why have the typical office party? Try something new.
  4. Make sure employees know when to say when. If you do serve alcohol at an office event, make sure all employees know that they are welcome to attend and have a good time, but that they are expected to act responsibly.
  5. Make it the office party of choice. Make sure there are plenty of non-alcoholic beverages available.
  6. Eat…and be merry! Avoid serving lots of salty, greasy or sweet foods which tend to make people thirsty. Serve foods rich in starch and protein which stay in the stomach longer and slow the absorption of alcohol in the bloodstream.
  7. Designate party managers. Remind managers that even at the office party, they may need to implement the company’s alcohol and substance abuse policy.
  8. Arrange alternative transportation. Anticipate the need for alternative transportation for all party goers and make special transportation arrangements in advance of the party. Encourage all employees to make use of the alternative transportation if they consume any alcohol.
  9. Serve none for the road. Stop serving alcohol before the party officially ends.”
Need some advice on your business insurance needs, call us!

‘Aggregate’ Coverage Means ‘All of It’

Author JamesMcVey , 11/19/2012
McVey Insurance Agency, CA, Commercial InsuranceA key question in buying Business Insurance is “How much will it pay when I need it?” For most coverages, such as Commercial Property Insurance coverage, the answer is fairly clear — the amount listed on the front page of the policy (known as the “declarations page”) for the specified property is the most you can collect for a loss to it. For damage to an auto, the policy usually sets a maximum payment equal to the current “book” value of a similar vehicle in similar condition. Some policies have another limit — called an “aggregate” — on coverages. For example, your Liability Insurance will set an aggregate limit: Basically the maximum amount the policy will pay in a given year for all damages under the policy, no matter the size or number of the claims. Depending on the nature of your business, the amount you’ll consider adequate for your aggregate can differ greatly from what’s enough to cover any single claim. Many policies automatically provide an aggregate equal to double your amount per claim (or “per occurrence”). Is this enough to meet your needs? Let’s take some time to discuss the aggregate limits under your current policies. If they’re satisfactory, great! For those that don’t meet your needs, due to changes in valuations or business procedures, we’ll work with you to make the needed updates now, before you find yourself falling short tomorrow. Give us a call at your convenience.

7 Early Warning Signs of Substance Abuse on the Job

Author JamesMcVey , 11/16/2012
McVey InsuranceSurveys show substance abuse remains one of the most serious issues facing U.S. businesses, with more than 6 million active alcoholics employed and a price tag of $276 billion a year. More than 70 percent of all current illicit drug users aged 18 and older are employed. With such a dangerous and widespread problem, it’s important to recognize substance abuse on the job before it leads to an accident. Here are some early warning signs that can alert your supervisors to the possibility of substance abuse on the job: 1. An otherwise inexplicable fall-off of work efficiency in terms of volume, accuracy, or promptness is often an early warning sign of substance abuse problems. 2. So is frequent tardiness—often explained with increasingly elaborate, but hard to check, excuses. 3. Excessive use of sick days is also a common warning sign of substance abuse. These absences often occur on a Friday or a Monday. 4. Some employees with drug or alcohol problems may come to you and ask to use vacation time—right away. 5. Another indication that you might be dealing with an employee substance abuse problem is an increased involvement in accidents and near misses and/or an increase in the employee’s error rate. 6. Yet another hint of the problem may be heavy use of breath sweeteners. Alcoholics, particularly those who drink during the working day, are heavy users of various sorts of breath mints to kill the smell of alcohol. 7. Other early warning signs of substance abuse problems may involve physical and mental characteristics or changes, such as mood swings, decline in grooming, staggering, dozing off on the job, etc. Supervisors should be aware that one or two of these signs alone does not necessarily indicate an alcohol or drug problem, but a combination of several signs indicates it is time to speak with the employee about the possibility of a substance abuse problem. If you are an employer or an employee and have any questions on your Workers’ Compensation Insurance, give the professionals at McVey Insurance a call.

Hosting a holiday party?

Author JamesMcVey , 11/14/2012
from http://www.insureme.com One-third of homeowners fail to realize they can be found legally liable if an intoxicated guest causes a car crash, according to a survey by the Independent Insurance Agents & Brokers of America. Courts in most states will rule against hosts of holiday parties where alcohol is provided to minors. Also, liquor must not be served recklessly to any guest who clearly has had too much to drink. Generally, inebriated guests cannot successfully sue party hosts. But third parties victimized in alcohol-related accidents can and do, particularly when the drunk driver has little or no insurance. Drunken driving lawsuits can lead to financial ruin to the party found liable. This past February, for example, a Colorado man won an $18.5 million settlement after a drunken driver ran him over in his own driveway. Insurance for work parties Work-related holiday parties must abide by stricter codes of conduct. Attorney Russell J. Thomas points out that because a holiday party is a company-sponsored event, "all legal requirements and all policies in the employer handbook remain in force." The Insurance Journal reports a spike in sexual harassment claims immediately after the holiday season. Fueled by alcohol, offensive behavior at office parties can result in complaints -- against companies and hosts -- of a hostile work environment or of harassment. According to the Independent Insurance Agents & Brokers of America, employers should:
  • Ensure their comprehensive general liability (CGL) policies provide coverage for third-party liquor liability through a special endorsement.
  • Purchase special event coverage or a separate liquor liability policy before hosting a holiday office party.
Hosts holding holiday parties off-site should ask the venue's owner for copies of insurance certificates for liquor liability. Businesses also are eligible for million-dollar umbrella liability policies. Substituting fun for alcohol Risk-averse party hosts may decide that legal responsibilities that accompany serving liquor are too daunting. One option is to shift the focus of the holiday party away from alcohol by hiring improvisational comedians to emcee events. Other alcohol-free alternatives include inviting guests to compete in interactive video games or participate in a theme night. Party hosts also might want to replace alcoholic beverages with a range of exotic soft drinks with flavors such as cherry wine and citrus peppermint. Be safe this Thanksgiving!

7 Early Warning Signs of Substance Abuse on the Job

Author JamesMcVey , 11/12/2012
FROM: Safety Compliance Institute, Ken Hillger & Associates “Surveys show substance abuse remains one of the most serious issues facing U.S. businesses, with more than 6 million active alcoholics employed and a price tag of $276 billion a year. More than 70 percent of all current illicit drug users aged 18 and older are employed. With such a dangerous and widespread problem, it’s important to recognize substance abuse on the job before it leads to an accident.

Warning Signs

Here are some early warning signs that can alert your supervisors to the possibility of substance abuse on the job: 1. An otherwise inexplicable fall-off of work efficiency in terms of volume, accuracy, or promptness is often an early warning sign of substance abuse problems. 2. So is frequent tardiness—often explained with increasingly elaborate, but hard to check, excuses. 3. Excessive use of sick days is also a common warning sign of substance abuse. These absences often occur on a Friday or a Monday. 4. Some employees with drug or alcohol problems may come to you and ask to use vacation time—right away. 5. Another indication that you might be dealing with an employee substance abuse problem is an increased involvement in accidents and near misses and/or an increase in the employee’s error rate. 6. Yet another hint of the problem may be heavy use of breath sweeteners. Alcoholics, particularly those who drink during the working day, are heavy users of various sorts of breath mints to kill the smell of alcohol. 7. Other early warning signs of substance abuse problems may involve physical and mental characteristics or changes, such as mood swings, decline in grooming, staggering, dozing off on the job, etc. Supervisors should be aware that one or two of these signs alone does not necessarily indicate an alcohol or drug problem, but a combination of several signs indicates it is time to speak with the employee about the possibility of a substance abuse problem.”   Not up to speed on Employment Practices Liability? Call us today.

5 Thanksgiving Disasters You're Probably Not Prepared For

Author JamesMcVey , 11/9/2012
#4 Stock Up on the Three B's: Beer, Butter and Toilet Paper Let me give you a quick scenario. It's 8:00 p.m. Everyone is finished eating, and you're all gathered around the TV, screaming obscenities at a football game that doesn't involve your favorite team but that everyone watches out of tradition, because it's an excuse to not have to talk to each other. Uncle Mitch walks into the room with an empty beer box, and he's pointing at it and crying. Dont forget the essentials this year! Take us with you, your party has disaster waiting to happen.

5 Thanksgiving Disasters You're Probably Not Prepared For

Author JamesMcVey , 11/7/2012
From http://www.cracked.com #5: If You BLEEP Up the Turkey, People Will Die The first is that people tend to procrastinate on the holidays. Two days before Thanksgiving, you won't be able to enter a grocery store without having to cancel your plans for the evening because every person in town will be making a last minute mad dash for the same core ingredients that make up every Thanksgiving dinner in the country. And it doesn't matter how small your list is. The 15 people in front of you with full carts dictate your time spent in line. Don't procrastinate. What is your holiday routine?

California drivers can show smartphones as proof of insurance

Author JamesMcVey , 11/5/2012
In case you live under a rock, Gov. Jerry Brown has signed into law Assembly Bill 1708, which makes California the seventh state in the country that allows motorists to show they have auto insurance via their smartphone or other mobile electronic device.

What do you think about this? How will it affect your insurance policy? Call us.

Fall Cleaning is here- part two

Author JamesMcVey , 11/2/2012
From http://organizedhome.com McVey Insurance"Learn how to clean efficiently!
  • Focus on public rooms: living room, family room, entryway, guest bath.
  • Clean from top to bottom. Vacuum drapes and window treatments. Clean window sills and window wells. Vacuum baseboards andcorners.
  • Vacuum upholstered furniture, or have professionally cleaned if needed. Move furniture and vacuum beneath and behind it.
  • Wash interior windows.
  • Turn mattresses front-to-back and end-to-end to equalize wear.
  • Launder or clean all bedding: mattress pads, pillows, duvets, blankets, comforters. Tuck the family into a warm and cozy winter bed.
  • Schedule professional carpet cleaning early this month! Warm October afternoons speed carpet drying. Carpet cleaning firms get busy by the end of October, so schedule now for best service.
  • Prepare the kitchen for holiday cooking. Clean and organized kitchen cabinets, paying particular attention to baking supplies, pans and equipment.
  • Clear kitchen counters of all appliances not used within the last week. Clear counters look cleaner--and provide more room for holiday cooking.
  • Pull refrigerator away from the wall, and vacuum the condenser coils. For bottom-mounted coils, use a long, narrow brush to clean coils of dust and debris.
  • Wash light-diffusing bowls from light fixtures.
  • Inspect each appliance. Does it need supplies? Stock up on softener salt now, and avoid staggering over icy sidewalks with heavy bags.
  • Check and empty the central vacuum's collection area.
  • Clean electronic air cleaner elements monthly for most efficient operation. Wash them in an empty dishwasher (consult manual for specific product recommendations).
  • Clean or replace humidifier elements before the heating season begins.
  • Inspect washer hoses for bulges, cracks or splits. Replace them every other year.
  • Check dryer exhaust tube and vent for built-up lint, debris or birds' nests! Make sure the exterior vent door closes tightly when not in use.
  • Schedule fall furnace inspections now. Don't wait for the first cold night!
  • Buy a winter's supply of furnace filters. Change filters monthly for maximum energy savings and indoor comfort. When the right filter is on hand, it's an easy job!
  • Drain sediment from hot water heaters."
For more tips on Homeowner Insurance in Central Valley CA, Preventive advice for Homeowners in Central Valley CA call us today! Complete this form and we will call you right back! McVey Insurance 1231 8th Street Suite 100 Modesto, CA 95354
Office: 209-577-0177

Fall Cleaning is here!

Author JamesMcVey , 10/31/2012

From http://organizedhome.com

McVey Insurance

Outside The House

"Summer's come and gone--and left its mark on outside the house.

Time to come inside for winter! Outside the house tend to these autumn chores:

  • Clean and store patio furniture, umbrellas, children's summer toys.
  • Touch up paint on trim, railings and decks. Use a wire brush to remove flaking paint; prime bare wood first.
  • Check caulk around windows and doors. Follow manufacturer's recommendations to re-caulk if needed.
  • Inspect external doors and garage doors. Do they close tightly? Install weather-stripping, door thresholds if needed.
  • Wash exterior windows.
  • Drain and store garden hoses. Install insulating covers on exterior spigots. In hard-freeze areas, have sprinkler systems blown free of water.
  • Check gutters and downspouts. Clear of debris if necessary. In cold-weather areas, consider installing heating cable to prevent ice dams.
  • Have chimneys and flues inspected and cleaned if necessary."
For more tips on Homeowner Insurance in Central Valley CA, Preventive advice for Homeowners in Central Valley CA call us today! Complete this form and we will call you right back! McVey Insurance 1231 8th Street Suite 100 Modesto, CA 95354
Office: 209-577-0177