What can Employment Practices Liability Insurance do for You?

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Owning your own business comes with a lot of responsibility, including making sure that you and your employees are covered in any situation. Having the right employment practices liability insurance can help to make sure that your business has the proper coverage for any unfortunate situation, associated with problems with an employee. Keep these 4 common reasons to invest in an employment practices liability policy in mind when looking into the right insurance policies.

  1. Your decisions impact your employees. You make decisions every day that impact your employees, such as hiring, firing, promotions, compensation, and accommodating disabilities. Each one of these situations can easily lead to a lawsuit if they are not handled correctly.
  2. You can be financially devastated. Especially if you are a small business, one lawsuit associated with employee practices can have a serious financial impact on the company. The small cost of an employment practices liability policy will provide the right amount of coverage, no matter the size of the lawsuit.
  3. You cannot depend on human resources. Even if you have a strong and reliable human resources team, it does not mean that you can avoid all employee issues. Making sure that you are covered with the right employment practices liability policy can give you peace of mind in knowing that you will be able to handle any situation.
  4. You may not know how to handle a problem. Most employment practices claims are very complex, and you may not have the right tools to know-how to deal with the issue. Investing in an employment practices liability policy will ensure that you will have the right people behind you, in case of any unfortunate situation.

For all of your employment practices liability needs in the Conejo Valley, contact Cappuccino Insurance Agency in Westlake Village, California. We can provide you with the most comprehensive business insurance needs, to provide coverage in any situation.

Be Prepared for an Earthquake with These Tips

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Living in California comes with the danger of experiencing an earthquake. There is no way to tell when an earthquake is going to happen, or just how much damage it will cause. Make sure to keep these earthquake safety tips in mind to ensure that you and your loved ones are prepared for an earthquake.

  • Practice drills. The best way to ensure that everyone in your family knows what to do in case of an earthquake is to practice. It will also help everyone stay calm when there is an earthquake since they will know what to do.
  • Take cover. Make sure to identify a safe place to be during an earthquake in each of the rooms in your home. These could be under a sturdy table on next to an inside wall of the house.
  • Have an emergency kit. Make an emergency kit that you will be able to get to in case of an earthquake. This should include things such as medical supplies, water, and nonperishable food. Also make sure that it contains a list of things to grab in case of an emergency, such as medication, family heirlooms, and contact information for friends and family.
  • Think about your pets. Make sure that your pet also has a special emergency kit that includes medication, the phone number of vets, and a carriers.

The best way to make sure that you home is protected in case of an earthquake is to invest in an earthquake insurance policy. A typical homeowners insurance policy will not provide the right amount of protection needed, so you will be left paying for the damage out of your own pocket.

To ensure that your home and family are protected in case of an earthquake in the Conejo Valley, contact Cappuccino Insurance Agency in Westlake Village, California. We can provide the most comprehensive insurance coverage to ensure that you are protected from any damage.

Check out These Local Events!

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Living in the Conejo Valley allows you to enjoy all the fun, family activities in the area. As the cooler weather approaches, it is the perfect time to spend quality time with your loved ones outside and enjoy all that the local community has to offer. Make sure to check out these fun local events this September and October.

Looking for a good laugh? Then make sure to get your tickets to Bill Cosby at the Thousand Oaks Civic Arts Plaza on September 28th! The night is sure to leave you with a belly ache from the hours of laughter. The show starts at 7 p.m. and is sure to be something that you will not want to miss. Make sure to get your tickets today before they are all gone!

Underwood Farms has always been one of the favorite attractions in the Conejo Valley, and their Fall Harvest Festival adds to all the fun! The festival starts on September 27th and runs all the way through October 31st, with special events each weekend. The doors will open at 9 a.m. each day and close at 6 p.m. The first weekend of the festival from September 27th through 28th is one of the local favorites, the 5th Annual Friends of the Farm Weekend. All of the proceeds from the weekend will help benefit the Ventura County Sheriff’s Charity Organization Cops Running for Charity as well as the many Ventura County Fire Department’s Charities. There will be plenty of demonstrations from both the police department and fire department, including SWAT members and fire trucks on site. All of the other weekends also have many family friendly events that people of all ages will enjoy.

Cappuccino Insurance Agency, located in Westlake Village, California, would like to encourage you to check out both of these fun, exciting events in the local community.

Make Sure You Buy the Right House with These Tips

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Buying a home is one of the biggest financial decisions you will make in your life, which is why it is important to take your time and make sure that you choose the right house. Keep these tips in mind to ensure that you make the right decision when it comes to buying your new home.

  • Figure out what you need. There are many different housing options out there, from single family homes to a condo. It is important to recognize what will work the best for your family to ensure that everyone is happy and to help narrow down your search. Also make sure to decide on the number of bedrooms and bathrooms you need.
  • Figure out what you need. After you have decided the bare minimum of what you want in your home, decide what you need to help narrow down your search even more. These can be anything from the size of the yard to how much counter space is in the home.
  • Get pre-qualified. Getting pre-qualified for a mortgage is a good way to know the price range of homes that you should look at. It will also help the rest of the home buying process go much smoother once you are pre-qualified.
  • Know how much you can actually afford. Knowing how much a lender will loan you is one thing, but there are many other factors that go into affording a home. Make sure that you consider other costs of owning a home, including insurance, utilities, and even the cost to drive to work.

Most importantly, make sure to invest in the right homeowners insurance policy to ensure that your new home is covered in any unfortunate situation. For all of your homeowners insurance needs throughout the Conejo Valley, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California.

Insurance Changes after your Wedding

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Getting married is one of the biggest life changes that you will go through. Along with changing your family, it will also cause changes in your insurance policies. Make sure you know how to handle your insurance policies after you get married to ensure that you have the right amount of coverage.

  • Auto insurance. Most of the time, combining your auto insurance policies is the best way to help keep the cost of your auto insurance low after getting married. It can also help to reduce the risk of having any gaps in your coverage. However, if your new spouse has a less than perfect driving record, you may end up spending more money on your auto insurance, so it may be a better idea to keep separate auto insurance policies.
  • Homeowners insurance. After getting married, it is important to make sure both of your names are listed on your homeowners insurance policy for both your current home and any rental property that you have. If one home is going to be vacant while you find a renter, make sure that you have the right amount of insurance to cover the vacant property. You will also need to invest in a different type of insurance once the property is rented out.
  • Umbrella insurance. Once you are married, you now have double the amount of assets, which means your already existing insurance policies probably do not have enough liability coverage. Investing in an umbrella insurance policy will provide the extra coverage needed for all of your new belongings in case they are damaged or destroyed.

For all of your Conejo Valley insurance needs after getting married, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. We can provide you with the most comprehensive coverage for both you and your new spouse.

Saving on Your Life Insurance Policy

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Life insurance is the best way to ensure that your loved ones are well taken care of after you are gone. With all the life insurance choices available, it can be difficult making sure you have the right policy. Keep these tips in mind to make sure that you are investing in the right policy, as well as help save you money on your policy.

  • Buy a policy when you are young and healthy. Buying a life insurance policy while you are young can help you save money on the policy. The older you get, the more expensive your life insurance will be.
  • Consult with a professional. Life insurance agents will have all of the information about the different policies that are available to ensure that you invest in the right policy for your needs. They can help you avoid any costly mistakes when buying a policy.
  • Consistently reevaluate your needs. Whenever you have a big life change, such as getting married, buying a house, or having children, make sure to reevaluate your life insurance coverage. The more you have to lose, the more coverage you should have.
  • Maintain a healthy lifestyle. Life insurance rates are determined by how likely your death is at the time that your purchase your policy. The healthier you are, the less you will have to pay.
  • Consider different policy types. Make sure to research both term life and whole life insurance policies when choosing the right option. A life insurance agent can help to ensure that you buy the right policy for your lifestyle to ensure that you do not waste your money.

For the most comprehensive life insurance coverage in the Conejo Valley, contact Cappuccino Insurance Agency in Westlake Village, California. We can help guide you through the process to ensure you get the policy that best fits your needs.

Check out These Fun Conejo Valley Events!

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Before the summer ends, it is important to make sure to spend as much time with your loved ones before everyone goes back to a busy school schedule. Luckily, there are plenty of fun, family friendly events in the area that people of all ages can enjoy right in your local community.

If you are looking for something to do with your kids, while also being able to learn important skills, make sure to check out the Kids Panini Cooking Class at Williams and Sonoma in the Oaks Mall. All junior chefs will learn how to make a warm, melty, cheesy Panini. Children ages 9 to 13 are able to create their own delicious savory creation, or go the sweet route and choose to make a melted chocolate Panini. The event starts at 10 a.m. on august 23rd inside the store.

For a more adult event, mark your calendar for the 3rd Annual Kiwanis Club of Thousand Oaks Brew Fest on August 28th. The event will feature beer tasting from many restaurants are breweries, such as LAB Brewing Co., Firestone Walker Brewing Company, and BJ’s Restaurant & Brewhouse, plus many more.

For a fun weekly event, make sure to check out the Thousand Oaks Farmer’s Market at the Oaks Shopping Center. The market happens every Thursday from 1:30 p.m. until 6:30 p.m. The Farmer’s Market is the perfect place to find the freshest fruits and vegetables that are locally grown. There are also plenty of plants, eggs, honey, nuts, and fresh flowers to bring home from the market. The market also features many pre-made treats, from tamales to baked goods, all from local vendors.

For all of your insurance coverage needs in the local Conejo Valley community, contact the insurance professionals at Cappuccino Insurance Agency, located in Westlake Village, California.

Dangers of Texting and Driving

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There are many dangerous distractions that can happen on the road, with texting one of the most dangerous distraction. With all that cell phones can do, such as browsing the web and texting your friends, most people can be easily distracted while behind the wheel.

Texting and driving is especially dangerous because it involves all three forms of distracted driving, which are visual, manual, and cognitive. This means that texting whole driving not only impacts what a driver sees, but also how they respond to the events and the amount of time that it takes them to respond. Even hands free driving devices can be big distractions on the road. Studies have shown that driving while using a cell phone, with or without a hands free device, is the same as driving with a blood alcohol concentration of .08 percent.

Almost 3,328 people were killed in 2012 by distracted drivers, and 421,000 people were injured is distracted driving accidents. Since 2010, it is estimated that at any moment during the day, 660,000 drivers are using their cell phones while behind the wheel. More than ever before, adults are using their cell phones while behind the wheel. Overall,

  • 27 percent of adults admit to texting while driving.
  • 24 percent of fatal accidents with one or more drivers between 30 to 39 years of involved cell phone use.
  • 22 percent of fatal accidents with one or more drivers under the age of 20 involved cell phone use.

Having the right auto insurance policy can help to provide the protection needed in case of an accident with a distracted driver. Contact the insurance professionals at Cappuccino Insurance Agency, located in Westlake Village, California for all of your auto insurance coverage needs in the Conejo Valley area.

What if a Pipe Bursts in Your House? Are you Covered?

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When investing in a homeowners insurance policy, you may assume that every peril is covered. While most unfortunate situations are covered, there are a few instances that are not. If you have a pipe burst in your home, it may or may not be covered.

When a pipe in your home bursts, an insurance adjuster will come and take a look at the issue before deciding if it is covered. If they find that the pipe burst due to lack of maintenance or preventable negligence, the problem will probably not be covered by your homeowners insurance policy. The insurance company will hold you responsible for the damage, since you failed to perform the proper upkeep on your home. Insurance will cover mishaps and accidents, but not negligence.

If the pipe bursts due to faulty workmanship from the installer of the pipe, or from a sudden event that you were not able to prevent, the damage will most likely be covered by your insurance. There are many instances that would fall under faulty workmanship, such as if a professional caused more damage than good when working on the pipes. If there is a very severe winter that causes the pipes to freeze and burst, that would be considered an event that you were unable to prevent, which would mean the damage would be covered.

Most of the time, your homeowners insurance will also cover damage that is done to the pipes if a heavy objects fell onto the pipes causing damage. However, your insurance company can also seek payments from the person who dropped the object and caused that damage.

For all of your homeowners insurance needs to ensure that you house is protected from any peril in the Conejo Valley, California area, contact Cappuccino Insurance Agency.

August Entertainment, Right Here In The Conejo Valley!

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Attention residents of the Conejo Valley! Do you want to spruce up your summer break? Looking for a few fun summer events to attend with the family this August? Well look no further! Here are a few entertaining functions to visit, right here in the Conejo Valley:

  • 12th Annual Summer Jazz Concert Series: Head out to the Gardens of the World on Sunday, August 3rd! “Janet Klein and her Parlor Boys” will be this event’s musical guests, featuring the “naughty, lovely, and obscure” music of the Prohibition era. This event starts at 5:00 P.M. and will end at 6:30 P.M.! Don’t forget your lawn chairs, picnic baskets, and anything else you may want for this awesome, evening concert.
  • Fishing Frenzy Event for Kids in Thousand Oaks: Gather up the kids and head on down to Conejo Creek North on Saturday, August 2nd! From 10:00 A.M. to 1:00 P.M. Conejo Parks & Recreation will be hosting this magnetic fishing experience. For just $5 you can purchase a magnetic fishing pole for your child to use as they fish for magnetic fish! Don’t miss this truly unique, child-friendly event.
  • 805 Dash 4 A Cure: Come out on Saturday, August 2nd to support a great cause! The Leukemia & Lymphoma Society is hosting a 5K and 10K charity race! The run begins at 8:00 A.M., so be on time to ensure a spot at the starting line!

If you are looking for assistance with insurance, contact one of the best independent insurance agencies around. Cappuccino Insurance Agency offers an abundance of insurance options that are sure to fulfill your needs. We pride ourselves in giving every client the high-quality customer service they deserve. Contact Cappuccino Insurance Agency, located in Westlake Village. Let us help you, today!