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Welcoming Jeffrey Wood as our new Personal Lines Manager

We are pleased to announce that Jeffrey Wood is Warren G. Bender Co.’s new Personal Lines Manager.

He joins the team with 21 years’ experience in personal insurance from his prior role with a local Insurance agency. As the Personal Lines Manager for Warren G. Bender Co., Wood works closely with the Personal Lines Team to cultivate and service new and existing clients in the greater Sacramento region.

“I enjoy helping people protect their most valuable possessions,” said Wood. “I also believe we as insurance professionals must educate our clients on the policies and products we are offering to them”.

Wood is a Sacramento Native and U.S Army Veteran. After honorably serving in the military as a Non Commissioned Officer, Wood returned to his home town in 1997 and started his insurance career.

Wood is a Rotarian in his local community and the Chair of the 36th Annual “Spirit of Auburn BBQ”. He also volunteers as a guest speaker to educate high school seniors on automobile insurance at Placer High School.

He is an angler and enjoys fishing for trout in various lakes in the sierras. Wood lives in Placer County with his wife Kathryn and their two daughters: Maryellen and Madilyn.

Feel free to reach out to Jeffrey via email at jwood@wgbender.com or call him directly at 916-380-5339. He will be happy to answer any questions you might have.

Filed under: Announcement,Personal Insurance — Jillian Bender-Cormier @ 11:02 pm September 12, 2018


Introducing Zix Encrypted Emails for Clients

As you are aware, email has become the preferred method for corporate communication. However, email is not a private conversation; unencrypted email messages can be intercepted and read.

To ensure the confidentiality of private information sent via email and comply with privacy and regulations such as the Gramm-Leach-Bliley Act (GLBA), we are implementing a new email encryption service through Zix Corporation, the leader in email encryption services.

For both our employees and our customers, Zix Corporation makes encrypted communication easy. ZixCorp’s services allow us to send encrypted email messages to anyone, whether they are a ZixCorp customer or not. Secure messaging is not just a Government mandate; it is a practical way to conduct business.

Here are the steps you’ll need to know for setting up Zix for the first time…

When your Bender contact needs to send you an encrypted message, you’ll receive a notification email with instructions on how to open the message. The notification message arrives in your email Inbox. Select Open Message in the notification to go to the Secure Message Center and view your email.

At this point, you must go through a one-time registration process.

After you register and sign in to the Secure Message Center, your message opens and you can view the message details and reply.

That’s it! We hope you find this short setup to be a simple process. Please feel free to contact our office should you have questions! 916-380-5300

Filed under: Announcement — Jillian Bender-Cormier @ 10:52 pm


Home Maintenance Tips for Fall

Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead:

• Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed.

• Insulate water pipes in areas exposed to cold temperatures.

• Check for damaged or loose shingles to ensure your roof can withstand the wear and tear of winter and that it won’t collapse under the weight of wet leaves, ice and snow.

• Drain garden hoses before putting them away for the winter. Water left in hoses can freeze, causing irreversible damage.

• Clean gutters and downspouts to keep debris from accumulating.

• Check and repair caulking around doors and windows that show signs of deterioration to prevent heat from escaping.

• Have the chimney inspected for deterioration that could make it unsafe for use.

• Inspect your smoke and carbon monoxide detectors, ensuring you have one on each floor of your home. Test them monthly, and change the battery annually or as needed.

• Trim any tree limbs that are dangerously close to power lines or the roof of your house. Heavy snow and ice can cause tree limbs to snap, which could damage your home.

Do you have the appropriate coverage and limits in place as we head into autumn? Contact our personal insurance team to ensure you’re properly covered: 916-380-5300 or PL@wgbender.com

Filed under: Personal Insurance — Jillian Bender-Cormier @ 9:00 pm September 5, 2018


“I’m selling my home, I don’t need my homeowner’s insurance policy anymore!”

Seeing the prices of our homes hit these heights, puts the pressure on to get them on the market and see if we get a bite. In this blog we will cover some common insurance mistakes home sellers make.

Tip one, NEVER cancel your homeowner’s policy just because you plan on selling it soon. This has the potential to be the most crippling mistake you ever make. When you cancel your homeowner’s policy before escrow closes, you take on all the risks that you were previously insured for. The exposure to a loss is actually increased while you’re selling your home. Hypothetically, you are having an open house, someone trips over your garden hose and breaks their hip. Due to the cancellation of your homeowner’s policy, you have no insurance for a situation that ordinarily would be covered. It’s vital to keep your homeowner’s policy until escrow closes and the home is no longer in your name.

Secondly, ALWAYS consult your insurance agent. Let them know that you are selling and ask questions! For example, what does the insurance process look like when selling my current home and moving into my secondary residence? Inform your insurance agent if you are making upgrades or doing any home improvement before you sell (see our home improvement blog). Providing your agent with this information will help protect you, your home, and your property appropriately.

At Warren G. Bender, we have years of experience with our clients selling their homes. We proudly help our clients make strategic moves regarding insurance during their selling process. As you embrace the idea of selling your home, keep us in mind and give us a call. 916-380-5300

Filed under: Personal Insurance — Jillian Bender-Cormier @ 12:12 am September 3, 2018


A Ranch’s [Insurance] Story

Written by: Lisa Bracero, CPCU, AFIS

There was once a beautiful ranch that had been established as a fruit farm for 80 years. It had a beautiful red barn [building coverage] set amidst rolling acres of fruit trees and berry vines [trees, vines, stakes, netting]. It was watered from a deep well with portable irrigation equipment [specifically scheduled]. The owner’s personal residence [dwelling] had views of their farm acreage to the west and the mountains to the east. In addition to their farming operation, the family had other occupations and interests. He was a freelance photographer [camera coverage], she had a consulting practice that she operated from the home [professional occupancy], and their children played golf [equipment scheduled].

They decided to plant many more acres of berries and expand their operations. The seasons were plentiful and the employees [Workers’ Compensation] could not harvest all of the bounty. With their increased harvest [product coverage], they expanded into U-Pick Operations [coverage endorsement] and opened a roadside stand [coverage endorsement]. As customers enjoyed their premises, the ranch started offering “agritainment” activities including harvest festivals and mazes [specifically described]. With more guests on the premises, they increased their focus on safety and became known as a beautiful place to spend a few hours with family and friends.

What is your Ranch’s story?

Agriculture is art and science. You produce something of value and create an experience for you, your family, your team and the community. How do you protect what you are building? A consultative insurance broker can walk alongside you and become a trusted member of your team. The partnership can help you with regulatory changes, controlling workers’ compensation costs, cyber security, employee safety education, and managing your exposures. At Warren G. Bender Co., we have the insurance markets and risk management resources for Farms and Ranches. We welcome the opportunity to have a conversation with you.

Lisa Bracero, CPCU, AFIS
Account Executive
Warren G. Bender Co.
Direct 916-380-5314
lbracero@wgbender.com

Filed under: Agriculture,Uncategorized — Jillian Bender-Cormier @ 4:45 pm August 31, 2018