Why Does My Business Need an Annual Insurance Review?

By: Doug Motz/Douglas Motz Insurance Agency

As a responsible business owner, there are some things that you need to do every year. One of those things is to make sure your insurance coverage’s are still relevant to your ever evolving business.
Many business owners get complacent and have no idea how underinsured they are. They have had their policies in place for 15 to 20 years with the same coverage they had when they were working out of a small office, with a desk, one computer, and some generic bookcases. Now they’re up to 25 employees with workstations and more updated office equipment. Just as a business can be under insured, it can also be over insured. Your company may have downsized, laying off employees, or may have moved to a smaller building or office space. This all affects your coverage & costs.

Most small businesses start out with very basic insurance coverage, usually a general liability policy and a commercial property policy, often times sold together as what is known as a B.O.P.- business owner’s policy. But as companies grow, other types of insurance become important, such as the following:

♦Workers’ compensation insurance: Required in many states once a business employs a certain number of people; provides payment for medical expenses and lost wages when employees are hurt on the job.
♦Professional liability insurance: Covers mistakes in service provided by the insured, and typically pays the fees of defense attorneys.
♦Hired and non-owned auto insurance: Protects a company if an employee causes an accident while driving a rented or personal vehicle.
♦Umbrella or excess liability insurance: For claims that exceed standard policy limits.
♦Employment practices liability insurance: Provides coverage for HR issues such as violations of discrimination, harassment and termination laws.
When you conduct your annual insurance review, be sure to ask your agent or broker whether you need any of the following policies:
♦Location: Has your business moved, added or closed locations? Rates for your general liability or business owner’s policy could change depending on whether your total square footage has increased or decreased, where your new facilities are located, or what class of building you’ve acquired.
♦Business property: Have you purchased or eliminated computers, equipment, office furnishings and supplies, or add completely new items or other property? You may need to increase or decrease your commercial property policy limits. It is possible that your existing policy does not offer sufficient coverage for the new equipment and that your limits or exclusions need to be adjusted. Also, you need to find out if you are being reimbursed for replacement value or actual cash value. When you have hard-to-replace equipment, an actual cash value reimbursement may not be enough to make you whole and help you replace the equipment if it is damaged or stolen.
♦Employees: Has the size of your workforce increased or decreased? The size of your workforce can determine whether you need workers’ compensation insurance.
♦Revenue: Have your company’s annual sales increased or decreased? The more business you do, the greater potential liability you face.
♦Vehicles: Business owners should also consider any changes that have been made to the vehicles used for their business. If a new vehicle has been purchased for the business, you may need to increase the limits on your policy in order to protect its value fully. Or, if your company vehicle has lost value during the year, you may want to lower your auto policy limit in order to accommodate its reduced value. This will also reduce your premium.
♦Services: Are you offering new types of services? You may need to add endorsements to your general liability policy to cover certain types of work.
♦Clients/Customers: Are you serving new industries? Some professional liability insurers do not like it if your business is overly concentrated in servicing certain high-risk industries.
♦Travel: Are your employees on the road more in rented cars than in their own cars? If so, you may need “hired and non-owned auto” coverage.

If you haven’t been reviewing your insurance coverage each year, start now. There’s little to be gained by carrying the wrong types or amounts of insurance and potentially much to be lost. An insurance policy can only offer effective protection when the insurance company actually knows what it is that needs protecting.

Call Doug Motz at Douglas Motz Insurance Agency today at 760-200-0270 for an Annual Review
and to discuss any of your insurance policies.

Why Does My Business Need an Annual Insurance Review?

By: Doug Motz/Douglas Motz Insurance Agency

As a responsible business owner, there are some things that you need to do every year. One of those things is to make sure your insurance coverage’s are still relevant to your ever evolving business.
Many business owners get complacent and have no idea how underinsured they are. They have had their policies in place for 15 to 20 years with the same coverage they had when they were working out of a small office, with a desk, one computer, and some generic bookcases. Now they’re up to 25 employees with workstations and more updated office equipment. Just as a business can be under insured, it can also be over insured. Your company may have downsized, laying off employees, or may have moved to a smaller building or office space. This all affects your coverage & costs.

Most small businesses start out with very basic insurance coverage, usually a general liability policy and a commercial property policy, often times sold together as what is known as a B.O.P.- business owner’s policy. But as companies grow, other types of insurance become important, such as the following:

♦Workers’ compensation insurance: Required in many states once a business employs a certain number of people; provides payment for medical expenses and lost wages when employees are hurt on the job.
♦Professional liability insurance: Covers mistakes in service provided by the insured, and typically pays the fees of defense attorneys.
♦Hired and non-owned auto insurance: Protects a company if an employee causes an accident while driving a rented or personal vehicle.
♦Umbrella or excess liability insurance: For claims that exceed standard policy limits.
♦Employment practices liability insurance: Provides coverage for HR issues such as violations of discrimination, harassment and termination laws.
When you conduct your annual insurance review, be sure to ask your agent or broker whether you need any of the following policies:
♦Location: Has your business moved, added or closed locations? Rates for your general liability or business owner’s policy could change depending on whether your total square footage has increased or decreased, where your new facilities are located, or what class of building you’ve acquired.
♦Business property: Have you purchased or eliminated computers, equipment, office furnishings and supplies, or add completely new items or other property? You may need to increase or decrease your commercial property policy limits. It is possible that your existing policy does not offer sufficient coverage for the new equipment and that your limits or exclusions need to be adjusted. Also, you need to find out if you are being reimbursed for replacement value or actual cash value. When you have hard-to-replace equipment, an actual cash value reimbursement may not be enough to make you whole and help you replace the equipment if it is damaged or stolen.
♦Employees: Has the size of your workforce increased or decreased? The size of your workforce can determine whether you need workers’ compensation insurance.
♦Revenue: Have your company’s annual sales increased or decreased? The more business you do, the greater potential liability you face.
♦Vehicles: Business owners should also consider any changes that have been made to the vehicles used for their business. If a new vehicle has been purchased for the business, you may need to increase the limits on your policy in order to protect its value fully. Or, if your company vehicle has lost value during the year, you may want to lower your auto policy limit in order to accommodate its reduced value. This will also reduce your premium.
♦Services: Are you offering new types of services? You may need to add endorsements to your general liability policy to cover certain types of work.
♦Clients/Customers: Are you serving new industries? Some professional liability insurers do not like it if your business is overly concentrated in servicing certain high-risk industries.
♦Travel: Are your employees on the road more in rented cars than in their own cars? If so, you may need “hired and non-owned auto” coverage.

If you haven’t been reviewing your insurance coverage each year, start now. There’s little to be gained by carrying the wrong types or amounts of insurance and potentially much to be lost. An insurance policy can only offer effective protection when the insurance company actually knows what it is that needs protecting.

Call Doug Motz at Douglas Motz Insurance Agency today at 760-200-0270 for an Annual Review
and to discuss any of your insurance policies.

"Holiday Wreath Auction"

Don't miss this FABULOUS & FUN event this Thursday December 1
benefitting the Boys & Girls Club of Cathedral City!

For further information call:
760-200-0270 or go to www.DougMotz.com

Dave Ramsey "Financial Peace University"

Shadow Mountain/Shadow Rock Church will be holding
Dave Ramsey's "Financial Peace University"
beginning Tuesday November 1, 2011 at 6:30 for 13 weeks.
The class will be held at their Thousand Palms Church at:
75-580 Ramon Rd. Thousand Palms, CA. (760) 343-0550
The course will be facilitated by Doug Motz.

What is Financial Peace?

What will you learn in Financial Peace University?

In 13 action-packed lessons, you'll learn how to beat debt, build wealth, find bargains, invest for the future, give like never before, and much more! This information will change your life. Here is a small sample of each week's subject:

Lesson 1
Super Saving
Dave explains the Seven Baby Steps that will guide you throughout Financial Peace University. You will also learn the three key reasons why you should save money—and why you must start now!

Lesson 2
Relating With Money
Learn why it's important for spouses to communicate and work together toward success. Also, singles will learn the importance of teamwork, and parents will find out how to teach their kids about money.

Lesson 3
Cash Flow Planning
Unlock the secret of developing a monthly spending plan that really works.

Lesson 4
Dumping Debt
It's time to debunk some common debt myths! Dave reveals the truth about credit lies and gives you a plan to walk out of debt with confidence.

Lesson 5
Credit Sharks In Suits
What is a credit score, anyway? Join Dave as he unpacks your credit rating and shows you how to handle collectors when they call.

Lesson 6
Buyer Beware
Dave Ramsey draws on decades of experience to reveal the power and influence that marketing has on your everyday buying decisions. Let the buyer beware!

Lesson 7
Clause and Effect
In this lesson, Dave walks you through the world of insurance, carefully explaining what you need—and what you need to avoid.

Lesson 8
That's Not Good Enough!
Discover the seldom-used secrets of buying only big, big bargains—every time! Before you know it, you’ll be saying, "That’s not good enough!"

Lesson 9
Of Mice and Mutual Funds
Dave breaks through the jargon surrounding long-term investing and empowers you to make your own decisions about your investments!

Lesson 10
From Fruition To Tuition
Dave walks you through the maze of retirement options and helps you figure out the right path for you. You will also learn how to plan for college so your kids can graduate debt free!

Lesson 11
Working In Your Strengths
This lesson will show you how to avoid dead-end or mind-numbing jobs and provide tips for job hunting, writing a résumé, and acing an interview. Plus, you’ll learn tips for finding extra jobs if you need cash to attack your debt snowball.

Lesson 12
Real Estate and Mortgages
Dave draws on over 20 years of real estate experience to teach you how to win when buying or selling your home. Plus, he’ll dissect all of the common mortgage options available today, showing you what to choose—and what to avoid.

Lesson 13
The Great Misunderstanding
Warning! This lesson will challenge the way you think about money. Dave will show you how generous giving can completely revolutionize your attitude and improve your finances, business and relationships



For further information call Doug Motz at
760-200-0270

Coachella Valley Rescue Mission "Personal Hygiene Drive"

The Coachella Valley Rescue Mission will be moving into their new building
November 20,2011.
Douglas Motz Insurance Agency is accepting personal hygiene supplies to help them get ready for their BIG move!




With the Lord’s blessing, their ministry of helping hungry and hurting people with new beginnings will be expanded to house 150 men, women and children. A larger dining room and kitchen will give the space necessary for the ministry of their 2 daily public meals and food boxes that they distribute to families in need.
The new building plans include classrooms, counseling rooms, a computer lab and larger kitchen and dining facilities. The men’s and women and family shelters will also be expanded and continue to help those in need with a bed and encouragement to take the steps necessary to end the cycle of homelessness.

Therefore, they are in need of a greater amount of personal hygiene products which include, but not limited to:

Shampoo
Conditioner
Toothbrushes
Toothpaste
Deodorant
Razors
Lotion
Q-Tips
Soap
Shaving Cream
Feminine Products

You can drop off any of these items to:
Douglas Motz Insurance Agency

Monday thru Friday between 9:00am-5:00pm at:

43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Vine to Wine

Come join the FUN!
Thursday, September 29
5:30-8:00
Make your reservations today by calling Joy @ 760-346-5637
at the California Desert Association of Realtors.
$20 includes your wine passport, souvenir glass, delicious pasta, music and FUN!!!

You don't want to miss Booth 31 sponsored by
Douglas Motz Insurance & Ram Home Warranty





For further information call:
Douglas Motz Insurance Agency
760-200-0270

There’s been a lot of “SHAKIN’”around the world lately

Earthquakes strike suddenly, violently and without warning. Many areas of the world have more seismic activity than others, but as we just saw with the recent “East Coast” earthquake, the potential exists all over the world. Earthquake preparedness is key to surviving an earthquake. No matter where you live, EVERYONE needs to be ready to deal with unexpected disasters or emergencies, quickly and effectively.

What to Do BEFORE an Earthquake

Identifying potential hazards ahead of time and advance planning can reduce the dangers of serious injury or loss of life from an earthquake.
Plan Ahead
Check for Hazards in the Home
Fasten shelves securely to walls. Install door latches, braces and fasteners to cabinets
Secure your water heater by strapping it to the wall studs and bolting it to the floor.
Place large or heavy objects on lower shelves.
Store breakable items such as bottled foods, glass, and china in low, closed cabinets with latches.
Hang heavy items such as pictures and mirrors away from beds, couches, and anywhere people sit.
Brace overhead light fixtures.
Repair defective electrical wiring and leaky gas connections which can be potential fire risks.
Repair any deep cracks in ceilings or foundations. Get expert advice if there are signs of structural defects.
Store flammable products securely in closed cabinets with latches and on bottom shelves.
Buy earthquake insurance.

Educate Yourself and Family Members

Teach children how and when to call 9-1-1, police, or fire department and which radio station to tune to for emergency information.
Know where your gas, electric and water main shutoffs are and how to turn them off if there is a leak or electrical short. Make sure older members of the family can shut off utilities.
Know where your nearest fire and police stations and emergency medical facilities are.

Develop an Emergency Communication Plan

Ask an out-of-state relative or friend to serve as the "family contact." It's often easier to call long distance after a disaster. Make sure everyone in the family knows the name, address, and phone number of the contact person.
In case family members are separated from one another during an earthquake develop a plan for reuniting after the disaster. (This is a real possibility during the day when children are at school and adults are at work)
Make sure each member of your family knows what to do no matter where they are if an earthquake occurs.
Find out about earthquake plans developed by children's school or day care.
Transportation may be disrupted, keep some emergency supplies at work.

Make an earthquake/disaster supply kit with the following items:

Water for each family member for at least two weeks (allow at least 1 gallon per person per day) and purification tablets or chlorine bleach to purify drinking water from other sources
Canned and package foods, enough for several days and MECHANICAL can opener. Extra food for pets if necessary
Flashlights with extra bulbs and batteries
Portable radio with extra batteries
Camp stove or barbecue to cook on outdoors
(do not use until you are sure there are NO gas leaks) (store fuel out of the reach of children)
Fire extinguisher
Adequate supplies of medications that you or family members are taking
Crescent and pipe wrenches to turn off gas and water supplies
First-aid kit and handbook
Waterproof heavy duty plastic bags Sturdy shoes Cash & credit cards

Know what to do DURING an earthquake:

Indoors:

Be sure you are wearing shoes before walking around because of broken glass or other debris.
Take cover under a desk, sturdy table, bench or against an inside wall or doorway. Stay away from cabinets, heavy mirrors/pictures and other heavy objects. If you're in the kitchen, move away from the refrigerator, stove, and overhead cabinets.
Stay away from windows, outside doors and walls and anything that could fall on you.
If you're sleeping, stay in bed and cover your head with a pillow. If your bed is under a heavy light fixture or you have a large mirror or painting over your headboard, move to the nearest safe place.
Stay inside until the shaking stops and it is safe to go outside. Most injuries during an earthquake occur when people enter or exit a structure.
Be aware that the electricity may go out or sprinkler systems and alarms may go off.
If you're in a public place such as a store or other crowded area, do not rush for exits. Move away from display shelves containing objects that could fall.
If you are in a high rise building, stay indoors and try to get under a desk or table, move against an interior wall and protect your head with your arms. Glass windows can dislodge during the quake and sail for hundreds of feet.
If you're in a theater of stadium, stay in your seat and protect your head with your arms. Do not try to leave until the shaking is over then leave in a calm, orderly manner. Avoid rushing toward exits.
If you're in a wheelchair, stay in it. If possible, move to take cover, lock your wheels, and protect your head with your arms. Do not use elevators.

Outdoors:

Stay there until the shaking stops and move away from buildings, streetlights, and overhead utility wires.
If you're on a sidewalk near buildings, duck into a doorway to protect yourself from falling bricks, glass, plaster, and other debris.
If you are in mountainous area--watch out for falling rock, landslides, trees, and other debris that could be loosened by quakes.

In a moving vehicle:

Stop quickly and safely and stay in the vehicle.
Do not stop near or under overpasses, buildings, trees, or overhead utility wires.
Once the shaking has stopped proceed carefully and keep an eye out for road damage and obstructions. Avoid roads, bridges, or ramps that might have been damaged by the earthquake
Keep earthquake survival kits in your car.
Trapped under debris:
Do not light a match for light.
Do not move about or kick up dust.
Cover your mouth and nose with a handkerchief or clothing to keep dust out.
Shout for help and/or tap on a pipe or wall so rescuers can locate you. Use three taps followed by a pause until rescuers find you.

Things NOT to do during an earthquake:

Do Not turn on the gas again if you turned it off; let the gas company do it
Do Not use matches, lighters, camp stoves or barbecues, electrical equipment, appliances until you are sure there are no gas leaks. They may create a spark that could ignite leaking gas and cause an explosion and fire.
Only use your telephone for a medical or fire emergency. You could tie up the lines needed for emergency response. If the phone doesn't work send someone for help.
Do Not expect firefighters, police or paramedics to help you. They may not be available.

What to do AFTER an earthquake

Expect aftershocks!
Wear Shoes to avoid injury from broken glass and debris.
Check for Injuries (if a person is bleeding, put direct pressure on the wound, use clean gauze or cloth if available; If a person is not breathing administer CPR; Do Not attempt to move seriously injured persons unless they are in further danger of injury; cover injured persons with blankets to keep warm; seek medical help for serious injuries.
Check for Hazards
Fire hazards--put out fires in your home or neighborhood immediately, call for help.
Gas leaks--shut off main gas valve ONLY if you suspect a leak because of broken pipes or odor.
Damaged electrical wiring--Shut off power at the control box if there is any danger to house wiring.
Downed or damaged utility lines--Do Not touch downed power lines or any objects in contact with them.
Damaged chimneys--Approach with caution—Do Not use a damaged chimney (it could start fire or let poisonous gases into your house;
Fallen items—use caution when you open doors of closets and cupboards.
Food and water supplies--Do not eat or drink anything from open containers near shattered glass. If the power goes off, plan to use up foods that will spoil quickly or frozen foods (food in the freezer should be good for at least a couple of days. Do not light your kitchen stove if you suspect a gas leak;
Use barbeques or camp stoves, outdoors only for emergency cooking.
If your water is off you can drink supplies from water heaters, melted ice cubes or canned vegetables. Avoid drinking water from swimming pools, especially spas which may have too many chemicals in it to be safe.

While seismic events may be your major concern, you need to be prepared for other hazards as well!

For further information contact: Doug Motz at Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

La Quinta Chamber of Commerce "Not So Chilly Chili Throw Down"

Not So Chilly Chili Throw Down"...Chili Tastin Contest"
Thursday July 14...4:40-7:30
Brought to you by: La Quinta Chamber of Commerce…..
You don't want to miss this fun event!

78015 Main St. Old Town La Quinta (formerly Old Town Cellar)
Call the La Quinta Chamber of Commerce for further information
@ 760-564-3199

6th Annual CVRM Backpack Drive

If you would like to donate backpacks and school supplies you can drop them off
Monday thru Friday between 9:00am-5:00pm at:

Douglas Motz Insurance Agency
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Notarized Free Day - Tuesday July 12

The California Mobile Notary Network announces its NOTARIZED FREE! event to be held
on Tuesday, July 12, 2011

Jeanne Stange from Notary to You will be offering her services to the public FREE of Charge from
10:00 am to 2:00 pm

This FREE event will take place at:
Douglas Motz Insurance Agency in Palm Desert at:
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

Free services are limited to two free notarizations per person. Documents should be complete except for signatures.



Network members will offer their services to the public free of charge as a community service. A notary public serves as an impartial witness in the signing of documents such as property deeds, powers of attorney, healthcare directives, parental permission letters, traffic school tests and documents requiring an oath. Under the direction of the Secretary of State, a notary may not create the document but will certify the identity of the document signer and administer an oath when needed. A valid, government issued picture ID is required.

The California Mobile Notary Network is an organization comprised of committed, professional notaries public who are dedicated to providing exceptional, expert and timely notary and document signing services.

Members of the California Mobile Notary Network travel to businesses, homes, hospitals, etc., to provided convenient notary service to clients who are too busy or unable to travel to a notary public, at a time that fits their schedule. All Network members are bonded, tested and background-screened.

http://californiamobilenotarynetwork.com/NotarizedFreeDay.aspx

For further information call:
Jeanne Stange/Notary to You @ 760-219-0873 or call
760-200-0270 or go to www.DougMotz.com

L. Q. Chamber of Commerce Chili Contest

Don't Miss It!!!!!

The Marines need our help.....

The Marines need our help.....
Douglas Motz Insurance Agency will be picking up marines today and taking them to 29 Palms Marine base this afternoon. If you are able to help out the information is below:
Just got an urgent call from SOS.. They need our help... If anyone is available today to transport Marines to the 29 Palms Marine Bas...e, please contact Erica directly at:
760-799-5488...

SOS is really desperate for drivers as a high volume of Marines are coming in today and all need to be transported to the base...

If you can help, contact Erica at the above number....I want to thank those of you that can drive today for helping our Marines....again, if not us, then who? Thank you for supporting our military!!! This is one area we are proud to step up and support...these are the men and women that are giving all for us!! Please help if you can...

Contact Erica at: 760-799-5488!!

Thank you for your support of our Marines!!!

Coachella Valley Rescue Mission Needs Help for the 4th of July

If you would like to donate any of the following items you can drop them off at
Douglas Motz Insurance Agency in Palm Desert.
See details below:























Nonperishable items can be dropped off
Monday thru Friday between 9:00am-5:00pm at:

Douglas Motz Insurance Agency
43875 Washington St. Suite A
Palm Desert
North/West Corner of Washington St. and Fred Waring
(in the single story building with the red tile roof)

For further information call:
760-200-0270 or go to www.DougMotz.com

Rental Car Reimbursement Coverage

What is it?
Why do I need it?

What is Rental Car Reimbursement Coverage?

If you’ve been involved in an accident and your car has been damaged, whether or not the damage is slight or extensive, you’ll probably need a rental car to get around until your own car is ready. But, many people don’t think of this when purchasing their auto insurance. This is exactly why there is “Rental Car Reimbursement Coverage”.
Auto insurance coverage doesn’t just have to cover damages to you and your car; it can also help you pay for a rental car. If you’ve been in an accident, or if your car has been stolen or damaged, rental car reimbursement coverage will give you one less thing to worry about. It helps lighten the load by paying for your rental car while your car is in the repair shop.

Why do I need Rental Car Reimbursement Insurance?

Obviously, accidents are costly, even the slightest ones, both in terms of expense and time. You can certainly throw your total budget in disarray by renting a car for a number of days. The cost of renting a car can have a serious toll on your finances. Rental car reimbursement coverage can be vital in saving you money on the cost of renting a car, which can easily add up to be more than $500.00. By including rental car reimbursement coverage in your auto insurance policy can greatly help you from having to pay high bills.
Many drivers out there discover too late that their auto insurance policies do not cover rental cars after an accident, theft or damage to their cars. Having your car repaired can easily take about two weeks, often even longer depending on the extent of damage.
Check your auto insurance policy because you may want to add in Rental Car Reimbursement Coverage. When selecting your rental car reimbursement coverage, be sure to consider the size and make of the vehicle that suits your needs and the typical daily rental rate for it. And… it is not expensive!

Don’t wait until it is too late!
For further information or to purchase Rental Car Reimbursement Coverage contact:

Douglas Motz Insurance Agency

760-200-0270 or go to www.DougMotz.com

Summer Grilling Safety Tips

Grilling safety tips that families need to know and use!

Each year Americans prepare about 3 BILLION meals on grills. It’s summertime and many families will be hosting backyard BBQs. Each year, outdoor grilling accidents are responsible for 19,000 emergency room visits and 7,900 home fires.



Below are some IMPORTANT “Safety Tips” to help keep your family safe:

•Place your grill on a flat, level surface so it won’t tip over.

•Keep your grill a safe distance from your house or any building.

•Position your grill in a well-ventilated location. Never barbecue inside homes, tents or vehicles. Burning charcoal inside can kill you. It gives off carbon monoxide, which has no odor.

•Never use a grill under any surface that can catch fire such as a garage, carport, breezeway, awning and porches. Keep a safe distance from overhangs, fences, deck railings and shrubbery that could be ignited by a sudden flare-up or flying spark.

•Never leave the grill unattended, especially when young children or pets are nearby. Designate the grilling area a "No Play Area" and keep kids and pets away from grill until equipment is completely cool.

•Only use starter fluid made for barbecue grills when starting a fire in a charcoal grill. Never use gasoline or kerosene to light a charcoal fire, either can cause an explosion.

•Never attempt to restart a fire by adding additional lighting fluid to an already-lit grill, this can cause a flare-up and burn you.

•Do not close the lid until you are ready to cook. Doing so might put out the fire or cause a rush of flame when the lid is removed. Closing the lid prematurely also can prevent charcoal lighter fluid from completely burning away, giving foods a strange taste.

•Use insulated, flame retardant mitts while cooking or handling any part of the grill. Also, use long-handled barbecue tongs and utensils for safe handling of food and coals.

• Wait until coals have completely cooled before disposing them, as they get up to 1,000 degrees Fahrenheit! If you must dispose of coals before they have completely cooled, remove them individually with long-handled tongs and carefully bury them in a can of sand or in a bucket of water. Never pour the hot coals into a pail of water, or vice versa. Steam from the briquettes may burn you.

•Keep a fire extinguisher handy when grilling and know how to properly use it.

For further information contact:

Douglas Motz Insurance Agency

760-200-0270 or go to www.DougMotz.com

Grilled Artichokes

Serves 4

Ingredients
• 2 large artichokes
• 1 lemon, quartered
• 3/4 cup olive oil
• 4 cloves garlic, chopped
• ½ teaspoon salt
• ½ teaspoon seasoned salt
• ½ teaspoon ground black pepper
Directions
1. Preheat outdoor grill on medium-high heat.
2. Bring a large pot of water to a boil.
3. Fill a large bowl with cold water. Squeeze the juice from one lemon wedge into the water. Trim the tops from the artichokes, then cut in half lengthwise, and place halves into the bowl of lemon water to prevent them from turning brown.
4. Add artichokes to boiling water, and cook for about 15 minutes. Drain. Squeeze the remaining lemon wedges into a medium bowl. Stir in the olive oil and garlic, and season with salt, seasoned salt and pepper.
5. Brush the artichokes with a coating of the garlic mixture, and place them on the preheated grill. Grill the artichokes for 5 to 10 minutes, basting with the mixture and turning frequently, until the tips are a little charred.

For further information call

Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

Get Ready for the CVRM Annual Backpack Drive

The Coachella Valley Rescue Mission will be holding their annual backpack drive later this summer. So when you see those ads for school supplies on sale.....start stocking up...it's never too early.

Once again, Douglas Motz Insurance Agency will be a drop-off location. You will be able to drop off your school supplies and backpacks Monday through Friday between the hours of 9:00-5:00.

Our address is:

43875 Washington St.
Suite A
Palm Desert

Corner of Washington St. and Fred Waring
in the single story building with the red tile roof.

You can contact us for further information @ 760-200-0270

Father's Day Grillin' Recipes

Grilled Flat Iron Steak with Blue Cheese-Chive Butter
Serves 6

Ingredients
• 2-2 1/2 pounds flat iron steak (or any steak of your preference)
• 3 tablespoons red wine vinegar
• 3 cloves minced garlic
• 1 ½ teaspoons crumbled dried rosemary leaves
• 1 ½ teaspoons dried oregano
• ½ teaspoon salt
• 1 1/4 tablespoon cracked black pepper
• 1/3 cup olive oil
• 4 tablespoons softened unsalted butter
• 1 ½ ounce crumbled blue cheese
• 1 ½ tablespoon chopped fresh chives
• 1/8 teaspoon cracked black pepper
•
Directions

1. Whisk together vinegar, garlic, rosemary, oregano, salt and 1 1/4 tablespoon black pepper in a bowl along with the olive oil. Place the flat iron steak into a zip lock bag, and pour the marinade on top. Squeeze the excess air from the bag and seal. Marinate 60 minutes in the refrigerator turning over after 30 minutes.
2. Lightly oil grate then preheat outdoor grill on medium-high heat. Remove steak from the marinade, shake off excess, and discard the remaining marinade. Allow the steak to stand at room temperature for 15 minutes as the grill warms.
3. Cream together butter, blue cheese, chives, and 1/8 teaspoon of black pepper; set aside. Cook the steak on the preheated grill to desired degree of doneness, about 5 minutes per side for medium-rare. Allow the steak to rest in a warm place for 10 minutes before slicing thinly across the grain. Serve with a dollop of blue cheese-chive butter.

Grilled Corn on the Cob
Serves 6

Ingredients
• 6 ears corn
• 2 tablespoons mayonnaise
• 6 tablespoons softened butter
• Seasoned salt to taste

Directions

1. Lightly oil grate then preheat outdoor grill on medium-high heat.
2. Peel back corn husks and remove silk. Mix together butter, mayonnaise & season salt. Place 1 tablespoon mixture on each piece of corn. Close husks.
3. Wrap each ear of corn tightly in aluminum foil. Place on the prepared grill. Cook approximately 30-40 minutes, turning occasionally, until corn is tender.


Bacon-Wrapped Asparagus

Ingredients
• 24 spears fresh asparagus, trimmed
• 1/4 teaspoon pepper
• 12 bacon strips, halved lengthwise

Directions

1. Place asparagus on a sheet of waxed paper; coat with nonstick cooking spray. Sprinkle with pepper; turn to coat. Wrap a bacon piece around each spear; secure ends with toothpicks. Grill, uncovered, over medium-low heat for 8-12 minutes or until bacon is crisp, turning occasionally. Discard toothpicks.


Gourmet Root Beer Floats

Ingredients
• 3 cups vanilla ice cream
• 3 (12 fluid ounce) cans or bottles root beer
• 1-1/2 cups whipped cream
• 12 maraschino cherries

Directions

1. Place 1 scoop of ice cream into each of 6 tall glasses. Pour root beer carefully over the ice cream. Add another scoop and repeat. Top with whipped cream & 2 cherries.

For further information contact:

Douglas Motz Insurance Agency
760-200-0270 or go to www.DougMotz.com

Basket of Hope Food Drive for CVRM

Douglas Motz Insurance Agency is a "Drop~Off" location for Coachella Valley Rescue Mission

The Coachella Valley Rescue Mission needs the help of the community!

Douglas Motz Insurance Agency is a drop~off location for "filled" Easter baskets and "non~perishable" food items.
Please help the Mission fill their Baskets of Hope and replenish their pantries by donating hams, desserts and filled Easter baskets for children.

The following "non~perishable" items can be dropped off
Monday through Friday between 9:00am - 5:00pm
at
Douglas Motz Insurance Agency
43875 Washington St. Suite A in Palm Desert
corner of Washington Street & Fred Waring
(single story building with the red tiled roof)

The following items are needed:

"Filled Easter Baskets"

Oil
Pancake mix
Syrup
Jelly
Salt and pepper (bulk or shakers)
Seasoned salt
Instant Mashed potatoes
Oatmeal
Cold cereal
Canned vegetables
Canned fruit
Canned beans
Canned meat (roast beef, chicken,
pork, etc...)
Rice


Perishable items needed can be dropped off directly at the mission at
47-518 Van Buren - Indio, CA 92201

Spiral Sliced Hams
Yams
Pineapple
Eggs
Bacon
Milk
Pineapple

Contact: Linda Garland at CVRMPhone: (760) 347-3512 X 221
or contact Douglas Motz Insurance Agency at 760-200-0270 or go to www.DougMotz.com

Coachella Valley Rescue Mission Needs Your Help!

Darla Burkett
Coachella Valley Rescue Mission

Greetings!

With Easter just around the corner, we need our pantry stocked with food so we can feed families in need. Thank you and God bless!

Kitchen Needs:

Spiral Sliced Hams

Canned meat (roast beef, chicken,
pork, etc...)

Oil

Eggs

Bacon

Pancake mix

Syrup

Jelly

Salt and pepper (bulk or shakers)

Seasoned salt

Instant Mashed potatoes

Oatmeal

Cold cereal

Milk

Canned vegetables

Canned fruit

Canned beans
Rice


Items for Easter Dinner:

Spiral Sliced Hams

Yams

Pineapple









Forward email

Emergency Supplies & Preparation Checklist

Stocking up now on emergency supplies can add to your safety
and comfort during and after an earthquake. Store enough
supplies for at least 72 hours.

Water-1 gallon per person per day (a week's supply of water is
preferable)
Water purification kit
First aid kit, freshly stocked
First aid book
Food
Can opener (non-electric)
Blankets or sleeping bags
Portable radio, flashlight and spare batteries
Essential medications
Extra pair of eyeglasses
Extra pair of house and car keys
Fire extinguisher-A-B-C type
Food, water and restraint (leash or carrier) for pets
Cash and change
Baby supplies: formula, bottle, pacifier, soap and baby powder,
clothing, blankets, baby wipes, disposable diapers, canned food and
juices.
Sanitation Supplies
Large plastic trash bags for waste; tarps and rain ponchos
Large trash cans
Bar soap and liquid detergent
Shampoo
Toothpaste and toothbrushes
Feminine hygiene supplies
Toilet paper
Household bleach
Safety and Comfort
Sturdy shoes
Heavy gloves for clearing debris
Candles and matches
Light sticks
Change of clothing
Knife or razor blades
Garden hose for siphoning and firefighting
Tent
Communication kit: paper, pens, stamps
Cooking
Plastic knives, forks, spoons
Paper plates and cups
Paper towels
Heavy-duty aluminum foil
Camping stove for outdoor cooking (caution: before using fire to cook,
make sure there are no gas leaks; never use charcoal indoors)
Tools and Supplies
Axe, shovel, broom
Adjustable wrench for turning off gas
Tool kit including a screwdriver, pliers and a hammer
Coil of 1/2" rope
Plastic tape, staple gun and sheeting for window replacement
Bicycle
City map
Preparing Your Family
When preparing for an earthquake, plan on having enough
supplies to get you and your family through at least the first 72
hours. After a major earthquake, there's a good chance that
traditional emergency response teams will be too busy to take
care of you and your family. You need to prepare your home
and neighborhood.
The Plan
Stock up on at least a three-day supply of food, water, clothes,
medical supplies and other necessary equipment for everyone in your
family. Make sure everyone knows where to find them. (See the
information sheet on emergency supplies in this packet.)
Decide where and when to reunite your family should you be apart
when an earthquake happens.
Choose a person outside the immediate area to contact if family
members are separated. Long distance phone service will probably be
restored sooner than local service. Do not use the phone immediately
after an earthquake.
Know the policies of the school or daycare center your children attend.
Make plans to have someone pick them up if you are unable to get to
them.
If you have a family member who does not speak English, prepare an
emergency card written in English indicating that person's
identification, address and any special needs such as medication or
allergies. Tell that person to keep the card with him/her at all times.
Conduct Earthquake Duck, Cover & Hold drills every six months with
your family.
Know the safest place in each room because it will be difficult to move
from one room to another during a quake.
Locate the shutoff valves for water, gas and electricity. Learn how to
shut off the valves before a quake. If you have any questions, call
your utility company.
Make copies of vital records and keep them in a safe deposit box in
another city or state. Make sure your originals are stored safely.
Before a quake occurs, call your local Red Cross chapter and Office of
Emergency Services to find out about their plans for emergency
shelters and temporary medical centers in case of such a disaster.
Establish all the possible ways to exit your house. Keep those areas
clear.
Know the locations of the nearest fire and police stations.
Take photos and/or videos of your valuables. Make copies and keep
them in another city or state.
Include your babysitter and other household help in your plans.
Keep an extra pair of eyeglasses and house and car keys on hand.
Keep extra cash and change. If electricity is out, you will not be able to
use an ATM.
General Tips Stay away from heavy furniture, appliances, large glass
panes, shelves holding objects, and large decorative masonry, brick or
plaster such as fireplaces.
Keep your hallway clear. It is usually one of the safest places to be
during an earthquake. Stay away from kitchens and garages, which
tend to be the most dangerous places because of the many items kept
there.
Preparing Your Children
Children need to be prepared for an earthquake as much as
adults, if not more.
For infants and toddlers, special emphasis should be placed on making
their environment as safe as possible
Cribs should be placed away from windows and tall, unsecured
bookcases and shelves that could slide or topple.
A minimum of a 72-hour supply of extra water, formula, bottles, food,
juices, clothing, disposable diapers, baby wipes and prescribed
medications should be stored where it is most likely to be accessible
after an earthquake. Also keep an extra diaper bag with these items in
your car.
Store strollers, wagons, blankets and cribs with appropriate wheels to
evacuate infants, if necessary.
Install bumper pads in cribs or bassinettes to protect babies during the
shaking.
Install latches on all cupboards (not just those young children can
reach) so that nothing can fall on your baby during a quake.
Preschool and School-age Children
By age three or so, children can understand what an earthquake is and
how to get ready for one. Take the time to explain what causes
earthquakes in terms they'll understand. Include your children in
family discussions and planning for earthquake safety. Conduct drills
and review safety procedures every six months
Show children the safest places to be in each room when an
earthquake hits. Also show them all possible exits from each room.
Use sturdy tables to teach children to Duck, Cover & Hold.
Teach children what to do wherever they are during an earthquake (at
school, in a tall building, outdoors).
Make sure children's emergency cards at school are up-to-date.
Although children should not turn off any utility valves, it's important
that they know what gas smells like. Advise children to tell an adult if
they smell gas after an earthquake.
Before an Earthquake
Set up your home, apartment or workplace so that you can quickly get
under a sturdy desk, table or other safe place for protection. Identify
doorways that do not have doors in which you can take cover.
Maintain a list of medications, allergies, special equipment, names and
numbers of doctors, pharmacists and family members with you at all
times.
Keep extra medication with your emergency supplies.
Keep extra emergency supplies at your bedside and by your
wheelchair.
Have walking aids near you at all times. Place extra walking aids in
different rooms of the house.
Put a security light in each room. These lights plug into any outlet and
light up automatically if there is a loss of electricity. They continue
operating automatically for four to six hours, and they can be turned
off by hand in an emergency.
Have a whistle near you to signal for help.
Find two people you trust who will check on you after an earthquake.
Tell them your special needs. Show them how to operate any
equipment you use. Show them where your emergency supplies are
kept. Give them a spare key.
During and After an Earthquake
If you are in bed or out of a wheelchair, stay where you are and cover
your head and neck.
If you are in a wheelchair, stay in it and go into a doorway that doesn't
have a door. Cover your head and neck with your hands.
Prepare to be self-sufficient for at least three days.
Turn on your portable radio for instructions and news reports. For your
own safety, cooperate fully with public safety officials and instructions.
Prepare for aftershocks.
If you evacuate your home, leave a message at your home telling
family members and others where you can be found.
Tips for the Elderly
Before an Earthquake
Eliminate hazards. Make it as easy as possible to quickly get under a
sturdy table or desk for protection.
Anchor special equipment such as telephones and life support systems.
Fasten tanks of gas, such as oxygen, to the wall.
Keep a list of medications, allergies, special equipment, names and
numbers of doctors, pharmacists and family members. Make sure you
have this list with you at all times.
Keep an extra pair of eyeglasses and medication with emergency
supplies.
Keep walking aids near you at all times.
Have extra walking aids in different rooms of the house.
Put a security light in each room. These lights plug into any outlet and
light up automatically if there is a loss of electricity. They continue
operating automatically for four to six hours, and they can be turned
off by hand in an emergency.
Make sure you have a whistle to signal for help.
Keep extra batteries for hearing aids with your emergency supplies.
Remember to replace them annually.
Keep extra emergency supplies at your bedside.
Find two people you trust who will check on you after an earthquake.
Tell them your special needs. Show them how to operate any
equipment you use. Show them where your emergency supplies are
kept. Give them a spare key.
During and After an Earthquake
If you are in bed or sitting down, do not get up.
If you are standing, duck and cover or sit down. You could be thrown
to the floor if you are standing.
Prepare to be self-sufficient for at least three days.
Turn on your portable radio for instructions and news reports. For your
own safety, cooperate fully with public safety officials and instructions.
Prepare for aftershocks.
If you evacuate, leave a message at your home telling family members
and others where you can be found.
You must secure the contents of your home or office to reduce
hazards. You should secure anything heavy enough to hurt you
if it falls on you. Here are steps you should take to secure your
possessions.
Secure Tabletop Objects
TVs, stereos, computers, lamps and chinaware can be secured with
buckles and safety straps attached to the tabletop (which allows for
easy movement of the units when needed) or with hook and loop
fasteners glued to both the table and the unit.
Glass and pottery objects can be secured with nondrying putty or
microcrystalline wax.
Secure Items in Your Kitchen
Use child-proof latches, hook and eye latches or positive catch latches,
designed for boats, to secure your cabinet doors.
Make sure your gas appliances have flexible connectors to reduce the
risk of fire.
Secure your refrigerator to prevent movement.
Anchor Your Furniture
Secure the tops of all top-heavy furniture such as bookcases and file
cabinets to the wall. Be sure to anchor to the stud, not just to the
plasterboard. Flexible fasteners such as nylon straps allow tall objects
to sway without falling over, reducing the strain on the studs.
Protect Yourself from Broken Glass
Replace your windows with ones made from safety glass or cover them
with a strong shatter-resistant film. Be sure you use safety film and
not just a solar filter.
Secure Overhead Objects Ceiling lights and fans should be additionally
supported with a cable bolted to the ceiling joist. The cable should
have enough slack to allow it to sway.
Framed pictures, especially glass-covered, should be hung from closed
hooks so that they can't bounce off. Only soft art such as tapestries
should be placed over beds and sofas.
How to Secure Your Water Heater
If you strap your water heater and fit it with a flexible gas
supply line, you will reduce the risk of a fire or explosion from a
gas leak after an earthquake. If your water heater does not
have a flexible gas supply line, contact a licensed plumber to
install one.
These instructions are for installing a water heater restraint for a water
heater on a straight wall using the conduit method.
1. Mark the water heater 9" down from the top and approximately 4"
up from the top of the controls. Locate the wood studs in the wall on
both sides of the water heater.
2. Using a stud finder or other appropriate methods, locate the closest
stud behind and to one side of the water heater.
3. Transfer the marks on the water heater horizontally to the adjacent
wall where the stud identified in step 2 was located.
4. Drill a 3/16" diameter and 3" deep pilot hole at the marked
locations for the 1/4"diameter by 3" long lag screw.
5. Measure around the water tank and add 2" to the measurement.
Cut two pieces of 3/4" x 24 gauge perforated steel plumbers tape to
this length. Place a bolt with the washer through the hole of one end
and bend out 90 degrees as close to the edge of the washer as
possible. Most plumbers tape comes with 1/4" diameter holes 1" apart
with 1/8" diameter holes in between. The tape can be easily broken at
the smaller holes by grabbing it with pliers and bending it several
times.
6. Place the tape around the tank and place the bolt with the washer
through the nearest hole in the end of the tape. Place a washer and
nut on the bolt and tighten. The tape should be tight. If the tape is not
tight, remove the bolt, place it through the next adjacent 1/4" hole
and tighten.
7. Using a straight stick, place the end at the hole in the wall with the
side of the stick against the side of the tape around the tank. Measure
the distance from where the stick touches the water heater to the hole
in the wall. Add 1" to this measurement and cut 1/2" diameter conduit
to this length. Repeat this for each piece of conduit.
8. Using a hammer or vise, flatten 1" at each end of the 4 pieces of
conduit. Be sure to flatten both ends of each piece of conduit in the
same plane.
9. Drill a hole in one end of each conduit approximately 1/2" from
each end. Measure 1" from each end and bend up approximately 45
degrees. This angle will have to be corrected slightly as the work
progresses. Hold the conduit on the wall with the hole in the conduit
over the hole in the wall, and mark the other end at one of the holes in
the plumbers tape. Mark the holes in the tape and on the tank and
conduit. Take down the conduit and drill a hole at the mark for the bolt
through the flattened end of the conduit. Repeat for the conduit on the
other side.
10. Loosen the strap around the tank and place a bolt with the washer
from the inside through the holes in the tape at all locations. Tighten
the tape around the tank so that the bolts are at the marks on the
tank. It may be easier to do one side of the tank at a time because
positioning the tape can be difficult. Place the conduit on the bolt
protruding from the strap and place a washer and nut on the bolt and
tighten. (A 4d finish nail inserted in the slot in the bolt will prevent the
head from turning.) Position the opposite end at the hole in the wall
and insert the lag screw with the washer and tighten. Do not drive the
lag screw with a hammer.
11. Repeat the above procedure for the rest of the conduits. NOTE:
The 1/4" x 1" bolts referred to in the above are known as 1/4" x 1"
round head machine screws with a nut.
Organizing Your Neighborhood
After an earthquake or other disaster, emergency response
agencies could be overburdened and might not be able to get to
your neighborhood immediately. You and your neighbors or
coworkers may need to take the initial emergency response
actions and take care of others for at least 72 hours.
Past earthquakes have thrust many untrained people into
positions of providing first aid and rescuing people. You need
to be prepared! If a response team has not been organized in
your neighborhood or workplace, form one now. Joining and
forming a community response team can greatly improve your
chances of surviving an earthquake and can improve the selfsufficiency
of your neighborhood.
Training
Learn simple firefighting techniques.
Learn basic search-and-rescue skills.
Learn to assess yourself, your family and coworker for injuries.
Learn to assess your home and workplace for hazards or damage.
Learn to assess your community for hazards, needs and available
resources.
Contact your local police and fire departments, city/ county Office of
Emergency Services, American Red Cross chapter or community
college to arrange for speakers and training workshops. Response
teams should arrange to participate in annual earthquake exercises
sponsored by local government and businesses.
Inventory Your Neighbors' Skills
As part of the community response team planning process, teams
should conduct an inventory of the skills and resources available at
home, work and community. You should have this information on hand
before an earthquake for efficient, effective responses. Identify people
who:
Have medical, electrical, child care, leadership, fire fighting and
survival skills.
Own chain saws, citizens band radios, four-wheel drive vehicles,
motorcycles and water purifiers.
Are willing and able to be a runner/bicycler to deliver messages if
telephone lines are down.
Every home or office has people with special needs. Your neighborhood
response team should work with these individuals in advance to
determine what extra assistance or supplies they may require after an
earthquake or other emergency. Some of the people who may require
special assistance include:
Physically Challenged Deaf or hearing impaired
Blind
Limited mobility-wheelchair-bound
Persons who require a special oxygen supply
Persons with significant medical conditions
Other Children who spend time alone at home
Non-English speaking
Store Supplies
In addition to the water, food and other supplies that everyone needs
to stock, members of the community response team should store
tools. Items such as the following should be stored in a central and
easily accessible location.
Gloves and goggles
Adjustable wrenches
Hard hats and vests
Flashlights with extra batteries
Axes and crowbars
Ropes

For further information contact
Douglas Motz Insurance Agency
760-200-0270 or go to DougMotz.com

Broker's Open Tour

February 25th 2:00-5:00 PM

New Single Level Condos Located at
The Cimarron Golf Club
Closeout - All Must Go!

30310 Regent St. #103
Cathedral City 92234/MLS# 21417218

Models Open 10-5 daily

Brand new construction with great values and views! They are liquidating these condos!
A golfer's delight with many incentives and amenities which are included with purchase. Come by for a visit to see the incredible views they offer. Golf is at no extra charge and tennis, fitness center use as well!
Come check them out!

Contact:
Arnold Billingsley, On Site Manager
RE/MAX Real Estate Consultants
760-219-5916
License # 01457612

To insure your new condo contact
Douglas Motz Insurance Agency
760-200-0270 or go to DougMotz.com

Keller Williams Realty to Host Golf tournament for Cathedral City Boys & Girls Club

Keller Williams Realty to Host Golf tournament for
Cathedral City Boys & Girls Club
March 14, 2011
The Keller Williams Charity Golf Classic that benefits the Boys & Girls Club of Cathedral City
will be held on Monday, March 14th at the prestigious “Classic Golf Club” the home of the
2006, 2007, & 2008 Bob Hope Chrysler Classic.

Your support by playing golf, donating a gift certificate or auction item, or becoming a hole
sponsor will be greatly appreciated and aid in our fundraising efforts.

For more information please contact:
Scott Robinson 760-770-4965
32141 Whispering Palms Trail, Cathedral City, CA 92234

Happy New Year

New years come and new years go,
Pieces of time all in a row.
As we live our life, each second and minute,
We know we’re privileged to have you in it.
Our appreciation never ends
For our greatest blessings: our family and friends.
Happy New Year from Douglas Motz Insurance Agency!


By Joanna Fuchs
For further information how we can insure all of your assets in 2011
call us @ 760-200-0270 or go to www.DougMotz.com