Happy 60th Birthday, Mike DeFendis!

Happy Birthday to the Principal of D&D, Mike DeFendis! Wishing you a memorable birthday shared with loved ones. Thank you for all that you do for the D&D family – we’re lucky to have a leader like you!

See the photos below of his office decorated today!

D&D Update: CA Fires

As many of you already know, the spread of the fires throughout our valley have been detrimental.

Our thoughts and prayers are with everyone who has been affected by the #Creekfire and the firefighters who are currently battling it in our Central Valley mountains. Something that we’ve encouraged on all social platforms is to Text CAWILDFIRES to 90999 to make a $10 donation to the Red Cross Central California.

Funds will support those most in need. Together, we can support our community. Thank you!

Congratulations, Tony Canizales!

Tony Canizales, Vice President of Loss Control, was named Safety Professional of the Year by the American Society of Safety Professionals – Central Valley chapter. We are so proud, and celebrated his accomplishment at the Central Valley Chapter of ASSP awards. Congratulations, Tony!

D & D Coverage Alert – Flex Your Power! – Public Utility Shut Off

The Utility Co. “Intentional” Electrical Power Outage to your Home or Business have some variance of coverage(s) and or exclusions(s)

First, the Utility Co. voluntary shut off of electricity is not considered a “Covered Cause of Loss”. Therefore, most coverages are not even considered because there is not a “Covered Cause of Loss”. i.e. like Fire.

Second, Utility Services from lack of power, failure of power, are excluded from policies.

The Home Policies have some Broaden Coverage & Exclusions:

  • Home Policy- Refrigerated Property: This is usually in most home policies. The coverage is broadened “If Power Interruption Occurs Off the Residence Premises” . There are financial indemnity limits of $500 to $5,000 with a lower $500 deductible.
  • Home Policy- Additional Living Expenses: Excluded. There are NO coverages for temporary hotel expenses.

The Commercial Property & Loss Income/Extra Expense, Spoilage & Civil Authority Coverages are Not applicable with intentional Utility Co’s decision to shut off services. These coverages are applied with  a “Covered Cause of loss”.

  • Commercial Policy-Spoilage: Power Outage eventually excludes “Intentional Decision of an Electrical Utility Co. (i.e. PG & E)
  • Civil Authority: For Business Income: There is no Coverage. There must be a covered cause to activate coverage. Also, the Utility Co. does not meet the definition of Governmental Authority.

On behalf of the Claims Department & Marketing VP Dirk Seltzer.

Upcoming Development Academy Trainings: Managing and Maintaining a Bilingual Workforce

A valuable training to share with your applicable clients.

In today’s world the need for Spanish training in the construction, hospitality, agriculture and various other industries is increasing daily. If your group does not understand what you are saying, how can your training be effective? How can you insure compliance or completion? Our instructors will break down each major safety subject and provide instruction on how to deliver your message effectively. Come join us as we explore the challenges of getting your message across without having to master the Spanish language. 

Date
July 17, 2019
Click HERE to register

Location:
Pardini’s Catering & Banquet
2257 W. Shaw Ave
Fresno, CA 93711

Instructor:
Tony Canizalez

SIGN UP TODAY! 

Registration is FREE. Space is limited.

TO REGISTER, CONTACT:
Michelle Hernandez, Loss Control Coordinator
559.437.6812 or [email protected]

Modesto Office: Salvation Army Kidz Day

D&D Modesto team members Matt Harbeck and Bob Taylor volunteered for this year’s Kidz Day on May 14th, selling a special edition of the Morris newspaper to support the Salvation Army’s Red Shield. Their corner raised $581.69, contributing to the overall $103,000 raised for the local cause.

According to the Salvation Army’s website, Red Shield offers “spiritual, educational and athletic programs” and is “a safe haven for these children in one of Modesto’s poorest neighborhoods.” To read more about this cause, click here.

FDSA Monthly Bar-B-Que

With a message from Katherine Sierze

Good morning, all!

With May 15th having been Peace Officers Memorial Day, I thought I would share where the proceeds from the FDSA BBQ lunches go!

100% of the proceeds go to the FDSA’s Peace Officer Memorial Fund. This fund is used to send a $1,000 check to help with funeral costs of any officer who dies in the line of duty anywhere in California. Additionally, if they lose one of their own, they use that money to help the surviving family members in any way possible. This may include funeral costs, college tuitions, and more.  

Thank you for your continued support!

OSHA #MySafeSummerJob

Click here to access OSHA’s Health and Safety Awareness for Working Teens, and click here to learn about Youth Rules!, “an initiative to promote positive and safe work experiences for teens by distributing information about young workers to youth, parents, employers and educators.”

Feel free to forward this information to any clients who may appreciate or learn from these materials, and keep your eye on your inbox for more details in our newsletter.

Client Share: 101 Wednesday

We’re asking our audience on social media for their insurance questions! Click here to check out the post on Facebook, and share to your pages or in your email for your friends or family to comment on. You never know who might have a burning insurance question.