Create Real Impact Contest – Leveraging Student Creativity to  End Distracted Driving by Their Peers

Create Real Impact Contest – Leveraging Student Creativity to End Distracted Driving by Their Peers

Every year, Impact Teen Drivers and California Casualty offer enrolled students, ages 14 to 22, the opportunity to win prizes for their original works (creative writing, video, graphic design, or music) showcasing creative solutions for preventing the #1 killer of their peers reckless and distracted driving.

Distracted driving is anything that takes a driver’s eyes off the road, hands off the wheel, mind off driving, or keeps ears from being alert to surroundings. Commonly referred to as accidents, these crashes are actually 100% preventable.

The Create Real Impact contest is a proactive movement to reduce poor decision making and inattentive driving by 16 to 19-year-olds that has become an epidemic. Empowering messages from young people urging their peers to adopt safer driving attitudes and avoid the tragic result of bad choices behind-the-wheel can save lives.

 

The Fall 2020 Create Real Impact contest winners were recently selected. 

Prizes are awarded by a panel of qualified judges based on the following weighted criteria: 25% concept/creativity; 25% execution of the idea; 50% effectiveness of the message emphasizing solution(s).

The following students will receive $1,500 Grand Prize educational grants for their entries:

Guohang (Henry) Z., Rowland Heights, CA, received $500 as the first runner-up for his video, “JUST DRIVE! (it’s free!)

These students won for their works in Spanish:

These students had the most online votes for their submitted works. Each will receive $500 in grant funds:

The 2021 Create Real Impact contest will kick off in January. Entries will be taken at www.createrealimpact.com. For more information on how to get schools and students involved, please contact info@impactteendrivers.org.

 

About Impact Teen Drivers

Impact Teen Drivers was founded in mid-2007 by the California Association of Highway Patrolmen, California Casualty, and the California Teachers Association. The organization has emerged as a leading non-profit organization dedicated to reversing the pervasive yet 100% preventable crisis of teens killed in car crashes. ITD’s mission is to develop, promote, and facilitate evidence-based education and strategies to save lives and reduce injuries and fatalities caused by reckless and distracted driving. To learn more visit www.ImpactTeenDrivers.org or send an email to info@impactteendrivers.org

 

This article is furnished by California Casualty. We specialize in providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

End of the Year Home Inventory

End of the Year Home Inventory

The Holidays are over, and that means it’s time to find room for all of the new gifts that you received over the holidays. The easiest way to keep track of all of your possessions is creating- and continually updating- a Home Inventory.

A Home Inventory is a list of the valuable objects that you have inside of your home.

It may sound like a waste of time, but this list will be your saving grace if there is a fire, destructive storm, or if someone breaks in and steals your belongings. Without one, many people have a difficult time pinpointing or recalling everything that might have been destroyed or taken, and unfortunately, that can delay homeowner claims or keep you from getting your full compensation.

So, when the New Year rolls around make the time to take inventory of your home and all of your new treasures. It’s easy! Just go room by room and document:

  • Electronics
  • Personal Care Items
  • Jewelry
  • Art
  • Kitchen items and appliances
  • Furniture
  • Carpeting
  • Beds and linens
  • Clothing
  • Sports equipment
  • Tools

Don’t forget to take pictures of the exterior of your home as well -photos are best from all angles- including the landscaping and any decks or porches- and also take note of everything in the garage, attic, or basement, like holiday ornaments, lawn and yard equipment, tools, etc.

You can choose to write everything down, but we suggest to use photo/video documentation of your belongings. To make the whole process easier on you we’ve created a Household Inventory Checklist that walks you through each possession you may have, so you don’t forget anything- you can even document the value. Just attach your photos to the document or put them in a folder on your phone and you are good to go! Click here for the checklist.

Trying to tally up what needs to be replaced is not something you want to do in the event of a claim, so taking the time to complete an inventory will be more than worth it. You can even use the time to get rid of the old and make room for all of the new!

 

Related Articles:

Too Late is Too Late: Why You Need a Home Inventory

5 Things Not Covered By Most Home Insurance Policies

Protect Your Home and Family- Know It. Do It.

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

10 Tips for Virtual Holiday Shopping

10 Tips for Virtual Holiday Shopping

As we head into the most wonderful time of the year, cybercriminals are gearing up for their busiest season. And this year, with so many of us working and schooling from home, they are counting on a bonanza of unsuspecting online targets.

While you are carefully crafting your holiday gift list (and checking it twice!) these criminals are perfecting their cyber scams, online fraud schemes, and identity theft plans.

So before you join the millions of others searching out those perfect stocking stuffers, check out these 10 tips to protect yourself and your family online.

1. Secure your home network – Use strong passwords and WPA2 or WPA3 encryption (see tips here to secure your network). Change your router/modem’s default name and pre-set password.

2. Update your antivirus software – Antivirus software is always being updated (thanks to a continuous stream of new threats) so make sure yours is up to date on all your household’s devices.

3. Use a password manager – Create strong passwords on all your devices and use a password manager to keep track. Consider using two-factor authentication to add an extra layer of protection.

4. Update your devices – Operating system and software updates often include security updates. Make sure your computers, tablets, and phones are all updated. Turn on auto-updates so you don’t have to think about it.

5. Use one or two credit cards and monitor them – Using just one or two cards for your holiday shopping will make it much easier to track purchases and spot any fraud early on. Some lenders will even alert you when your card logs transactions that are out of your normal spending pattern and ask your permission before completing the purchase. Mobile pay options such as Apple Pay or Google Pay also offer good protection because they use secure tokens instead of an actual card number.

6. Only shop reputable websites – Big brands and companies are more likely to have strong security on their sites’ transaction platform. But no matter the website, if a link, landing page or online shopping cart looks suspicious, log off immediately.

7. Watch for phishing – Phishing spikes during the holidays. These emails and texts usually look like they’re coming from a source or company you know. They typically ask for sensitive information such as personal or bank information and ask you to click on a link or attachment. Remember that government agencies and reputable companies will never ask you to send sensitive information this way. Delete these messages without clicking on anything. If you’re on the fence about its legitimacy, you can open a separate browser and log in to your account fresh – or call customer service to double-check.

8. Be smart on social media – If you’re headed out of town during the holidays, don’t post plans or info publicly on your social channels. This could make your home vulnerable to a break-in.

9. Be savvy with donations – Many people generously open their wallets during the holidays to help those in need or causes they support. If you’re planning on donating this year, be extra cautious. Stick to reputable, well-known charities. Contact them directly to donate, rather than clicking on a link or giving your information over the phone.

10. Watch your front porch – More online shopping means more deliveries. Bring packages in as soon as possible so they don’t tempt thieves. Neglected packages may also make it look like you’re out of town, making your home a target for burglars.

Make sure all family members are on board with, understand, and carry out the above tips before logging on to find those hot holiday deals. This includes kids and teens who are at home and on screens all day – and who usually aren’t as savvy about security and scams. For more safety tips, check out our articles here and here.

If you’re a California Casualty member, take comfort in the fact that you’re automatically enrolled in ID theft resolution services — which provides free help if you are ever the victim of identity theft. Learn more about the services here.

 

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

 

12 Tips to Lower Your Heating Bill

12 Tips to Lower Your Heating Bill

Reducing your home energy usage is good for several reasons. First and foremost, it keeps money in your pocket. But it also lightens the load on local power grids and the environment — a win-win all around.

Try some or all of the 12 steps below to save on your energy bill while staying cozy and comfortable in your home. They’re easier than you think!

 

1.Let the Light Shine In

Use the sun’s heat (bonus: it’s free!) to your advantage! Open curtains and blinds on your south-facing windows during the day to let the heat in and then close them at sunset to keep it in.

 

2. Leak-Proof Your Home

Inspect your home for leaks (get tips from energy.gov on detecting air leaks here). Often invisible, leaks can wreak havoc on your energy bill. Use weather stripping and caulking to seal leaks and keep warm air inside. While you’re at it, insulate your ducts, which can be a significant source of heat loss.  For windows that you rarely use during winter, get plastic window kits to further leak-proof.

 

3. Bump the Temp Down

Just by setting your thermostat a few degrees lower, you can immediately begin saving. Consider installing a programmable thermostat for even more time- and energy-efficiency.

 

4. Pay Attention to Your Water Heater

Water heaters account for about 17 percent of a home’s energy use – adding up to about $400-600 per year for the average household. Bring that down by:

    • using less hot water
    • setting your water heater’s thermostat to 120 degrees F.
    • buying an energy star model when it comes time to replace it
    • fixing leaks
    • washing clothes in cold water
    • installing low-flow showerheads and faucets

 

5. Check the Fireplace

When not burning a fire, keep the damper closed. Consider installing tempered glass doors and an air exchange system that blows warm air back into the room. Check the seal on the flue damper and make sure it’s tightly sealed. Finally, add caulking around the hearth. If you never use your fireplace, plug and seal the flue.

 

6. Maintain Your Heating System

Have a professional check and tune-up your heat pump or furnace once a year. This could lead to big savings. Make sure they also replace any clogged filters, which can make your furnace work harder, thereby raising energy costs (you can also check and replace filters yourself).

 

7. Close Unused Vents

In rooms that are rarely used, fully or partially close the vents to redirect heat to other rooms.

 

8. Use Ceiling Fans

Everyone knows heat rises, which means the air you’ve paid to heat rises and collects at the tops of rooms. This can be especially costly in homes that have high ceilings. Use your ceiling fans to push warm air downward – just make sure they’re set to run in a clockwise direction.

 

9. Check Your Insulation

If your attic doesn’t have at least 11 inches of insulation, you’ll most likely lose heat through the upper level of your home.

 

10. Recycle That Hot Air

After cooking, leave the oven door open a crack to let the heat help warm the house. Bonus? You get to savor the delicious smell of those cookies, baked goods, or dinner a little longer.

 

11. Space Heaters

Portable heaters are a good cost-saving option if you and your family are hanging out in one room for any length of time, or if you’re the only one home and are stationary (like working in a home office). But remember to use caution whenever using space heaters – according to the Consumer Product Safety Commission, these heaters cause more than 25,000 residential fires per year. Follow the heater instructions carefully and always unplug them when not in use.

 

12. Bundle Up

Sweaters, socks, and cozy blankets really do make a difference.

 

By making a few tweaks in your home and modifying some behaviors, you’ll begin to see cost and energy savings in no time.

And as we transition from winter to spring and summer, check out our companion piece on lowering your cooling costs.

 

 

This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.

Arlene Brown – 50 Years of California Casualty

Arlene Brown – 50 Years of California Casualty

Arlene Brown This afternoon Arlene Brown, California Casualty RUS Analyst, reaches a milestone in her career, that few ever see in their lifetime, as she celebrates her 50th anniversary as a full-time employee.

In recognition of this incredible achievement, Joe Volponi, President and CEO of California Casualty, honored Arlene in an email sent to all CalCas employees telling Arlene’s career story and highlighting the significant impact she has made at CalCas within her 50 years. Read an excerpt below.

“It is not often in this company (maybe never) that an employee reaches 50 years of service as a full-time employee. Arlene Brown will reach that incredible milestone and a well-deserved retirement on September 8th.

She started as a Coder, working with Assigned Risk paper files. She quickly progressed to become the Auto Coding Assistant Supervisor in charge of Assigned Risk and was given the nickname “Queen of Assigned Risk.” She worked with both agents, and customers, often remembering their names and policy numbers from year to year! Those were the days when every detail had to be transferred to a grid, which a keypunch operator entered. Rating was done by hand and with a 10 key calculator spitting out the answers on paper tape. Her other daily tool was a pro-rata wheel, a few relics of which still survive today, although they remain a mystery to those familiar with more modern devices.

Arlene’s reputation for accuracy followed her throughout her career. She was a strong underwriter who was frequently overheard teaching sales reps how to find the answer to their question in the underwriting manual (a large binder with hundreds of pages). Online reference tools didn’t exist back then, so it was a manual process. She didn’t just want to give an answer, but rather help them understand where to find the answer for next time.

Similar to the Guidewire conversion we are going through today, the company as gone through several system conversions in the span of 50 years. One such conversion to the Policy Management System (PMS), as part of that effort, she ultimately wrote much of the PMS manual that defined each field of entry into PMS. The effort of proofreading draft procedures for accuracy and consistency became known as “Arlene-a-sizing”.

Arlene was a founding member of the QAD team, a group formed to improve quality assurance of PMS (Series 2) entries. As things evolved, she was a natural to become part of the RUS team, when it was formed to oversee the automation of rating, underwriting, and system processing. She became an expert in writing QMF queries, and could apply them against different generations of the system since she was one of the few that had worked in all the different systems!

Aside from all her accomplishments on the insurance side of the business, she was a tireless worker on the In-Club committees that coordinated many employee events over the years. In addition to coordinating the details for these events, she put together photo albums to commemorate them.

Arlene considered California Casualty her family, and did everything in her power to bring success. In her half-century here, she’s touched many people in a variety of ways. People like her have made this company successful.”

Arlene’s successful career is full of many achievements, but one of her favorite memories in her time with CalCas is winning the well-deserved Carl G. Brown, Jr. Award of Excellence, which is an employee-nominated award given annually to an employee whose sustained excellent contribution to the company is matched by a substantial contribution to his or her community.

When asked what the secret is to her 50-year career, she says, “It’s true what ‘they’ say about loving what you do – the time just flies. When you love your job it leads to honing your skills, seeing opportunities to improve things (processes), and finding the needles in haystacks to resolve system/policy problems. That being said, I couldn’t do the job I’ve done without the support of my work family.”

And we couldn’t do it without you, Arlene. Congratulations, and thank you for all you have done for California Casualty. You have helped turn us into the company we are today. Your presence in the office will be missed each and every day. Have a great retirement!

Spotlighting the Faces Behind CalCas

Spotlighting the Faces Behind CalCas

It’s no secret; we have amazing employees at California Casualty. The Employee Spotlight is a series we created to highlight some of the talented individuals who are dedicated to making California Casualty a great company to do business with and a terrific place to work.

From human resource recruiters and learning and development trainers to claims adjusters, marketers, customer support specialists, underwriters, partner relations, insurance consultants, and beyond; we are one big family working together for a common goal – to serve you, our policyholders.

Below are just a few of our extraordinary team members who are continuously working to make sure our customers (and fellow employees) have a great experience with California Casualty.

 

Customer Care Specialist, Lori Ryan:

What made you want to work in Customer Service at California Casualty?

When I was applying for my job at California Casualty, I saw an exciting opportunity to work for a company that had “big corporation pay”, with the feel of a smaller “mom and pop” company, that was really focused on customer satisfaction and employee retention.

What is your favorite part about your job?

I enjoy the different ways in which I can impact my customers, whether it’s counseling them on coverage limits or just making the whole experience of dealing with insurance more enjoyable.

I LOVE working for California Casualty because I love our customers. We have such a unique and amazing customer base with our group members. I get to hear their stories of heroism, compassion, and commitment to community, all while helping them navigate and understand their insurance needs and how to protect their assets.

Tell us some fun facts about yourself!

I like to thrift shop and enjoy painting and repurposing old furniture.

I’m a transplant from Texas who is addicted to coffee and makeup.

I love my job so much, I commute 45 miles to work (one way) just to get here! During that drive, I like listening to podcasts about History, True Crime, and Philosophy

 

To read Lori’s Employee Spotlight click here.

 

 

 

Talent Acquisition Specialist, Cal Turner:

What made you want to work in Human Resources at California Casualty?

I wanted to work in this position because it makes such an impact on the company. Finding and selecting the right employees for all of our different positions is very challenging yet very rewarding. When you work hard with a candidate, build relationships, get them engaged in our organization and then watch them grow into their role and become a success, it is very rewarding.

What is your favorite part about your job?

I have many favorite things about my company. I am a proud employee – in staffing, you have to be.  A HUGE part of your job is selling the company to candidates who have never had any contact with us what-so-ever, and you have to truly love the organization you represent. Luckily, I work for the BEST business and it is very easy for me to do.

One thing I love about my company is all the different levels of management and how there is no division within the rest of the company. Everyone from the CEO to Executives to Upper Management are all warm and approachable people. We are all on the same playing field and it becomes obvious as we get to know each other. It is great to be in a company where everyone is connected that way.

I love the people I work with and the audience we represent. All of them. These are some of the best people in the business, and I love to see all the positive attitudes and appreciative people that I interact with each and every day.

Tell us some fun facts about yourself!

I like to run, do yoga, watch movies, and cook!

I have two awesome daughters who are also brilliant. One was passionate about becoming a lawyer and has recently passed the bar. She is now a Public Defender for the State of Colorado. My oldest daughter is a CPA for a respectable firm in Downtown Denver. I am very proud of both of them. They are the best thing I have ever done in my life.

 

To read Cal’s Employee Spotlight click here.

 

 

 

Personal Insurance Consultant, Kevin DeSousa:

What made you want to work as an Insurance Consultant at California Casualty?

I really just enjoy talking to people. It especially feels great when you’re also assisting a customer with a life necessity such as insurance.

 

What is your favorite part about your job?

Besides knowing that we’re helping our teachers, law enforcement officers, firefighters, and nurses!  I enjoy really getting to know our customers, I talk to each person on the phone like I’m talking to one of my family members.  I don’t want to under-insure my family and I also don’t want to over-insure my family; I want to make sure that everyone is paying for what they need to help take the best care of themselves as possible.

 

Tell us some fun facts about yourself!

I enjoy my family and my church family. Anytime we can all get together that is a good day!

I love going camping and enjoying the wilderness, I would say I go fishing, but I have yet to catch anything this season, so we’ll just skip that….

I also enjoy working on updating my house and working in my yard with my small farm.

 To read Kevin’s Employee Spotlight click here.

 

 

 

 

Social Media Marketer, Chloe Biancarelli:

What made you want to work in Social Media at California Casualty?

Well, when I first started at California Casualty I had taken a job as an Administrative Assistant for our Service Department.

I had big plans to work a more low-key job while I got my Masters in Marketing, and then I discovered that there was a Marketing position open here, and I had some experience, so I interviewed for it and the rest is history. Now, I’ve fallen in love with my job and I cannot imagine myself anywhere else.

 

What is your favorite part about your job?

There are so many things that I love about my job. Our audience, the creative freedom, my work family, all of it!\

There is no better feeling than giving back to the heroes in our community, my mom is a dispatcher, so I grew up always being around first responders and going to the sheriff’s office (I still do). AND my aunt and my brother’s girlfriend are also both Teachers. Any profession that puts someone else before themselves, will always have my gratitude and respect. I feel so good knowing that we are putting these heroes, and their needs, first here at CalCas – as they do for others.

Another reason I love my job is the complexity I have as a marketer. Social Media Marketing is often confused with just posting on Facebook and Instagram, but it’s SO much more. Aside from normal social duties, we run mini-campaigns, research and write blogs, communicate with our insured, partner with groups and individuals, strategize creative brand initiatives, sponsor events, design graphics, do video and editing, run our HR Linkedin account, and so much more. Every day is different, and because social is ever-changing, our calendar could literally change at the flip of a switch and you just have to roll with the punches. I love it!

And lastly my work family; we have our own little group of “creative weirdos” in the marketing department here at California Casualty. They make, even the most stressful day, enjoyable. AND we all are absolutely obsessed with our dogs – dog people are the best kind of people.

 

Tell us some fun facts about yourself!

I’m from Southeast Kansas, and I went to college at Pittsburg State University (Gooooo Rillas!).

I’m engaged and getting married in November! My fiancé surprised me by proposing in Seattle last fall in front of the Space Needle AND hired a photographer to capture the whole thing.

I LOVE Christmas and I’ve been to Rockefeller Center at Christmas time – it was amazing.

I will dance terribly to any song that is playing 100% of the time.

 

 

To read Chloe’s Employee Spotlight click here.

 

 

In our growing company of 700+ individuals, Employee Spotlights are posted weekly. Check them out for yourself by following us on LinkedIn at @California Casualty.

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