10/28/24

Eight tips for driving safely on Halloween night

Halloween is exciting, especially for kids who eagerly dress up and venture out for trick-or-treating. However, it’s also a time when drivers must be extra cautious. The National Safety Council reports that children are more than twice as likely to be hit by a car on Halloween compared to any other day of the year. With streets bustling in the Portland Metro area with young pedestrians, visibility is often limited due to costumes and darkness.   The responsibility falls heavily on drivers to help keep the night safe. Here are some essential safety tips for drivers on Halloween night:

1. Slow Down and Stay Vigilant

Halloween brings increased number of pedestrians, especially children who might dart across streets unexpectedly. Reducing your speed is essential, particularly in residential areas and neighborhoods. A slower speed gives you more time to react to any surprises on the road. Be on the lookout for children who may be wearing dark costumes or those who might step onto the street between parked cars.

2. Stay Alert and Limit Distractions

Distracted driving is a common hazard, but it can be hazardous on Halloween night. Avoid any activity that takes your focus off the road, such as texting, adjusting the radio, or eating. Keep both hands on the wheel and your eyes scanning for potential hazards. Kids are unpredictable, and staying alert is the best way to prevent an accident.

3. Use Your Headlights Properly

Ensure your headlights are on and functioning well, even in the early evening. Good visibility helps both you and pedestrians see each other more easily. Use low beams in neighborhoods to avoid blinding oncoming drivers and pedestrians. If you encounter a group of trick-or-treaters, be prepared to stop entirely and wait until they pass.

4. Take Extra Care at Crosswalks and Intersections

Trick-or-treaters will likely cross streets at various points, only sometimes at marked crosswalks. Reduce your speed and be prepared to stop approaching intersections and crosswalks, even if they seem clear. Remember that children may not always look both ways before crossing, especially when excited and focused on candy.

5. Do Not Drive Under the Influence

Halloween parties can tempt drivers to have a drink or two, but driving under the influence puts everyone at risk. If you plan to celebrate, arrange for a designated driver, use a rideshare service, or stay where you are until you’re sober. Keeping roads safe on Halloween means making responsible choices behind the wheel.

6. Be Cautious in Driveways and Alleys

Children don’t just cross at intersections; they may come from any angle, especially between parked cars, out of driveways, or from alleyways. Before entering or exiting driveways, check both directions carefully and look for any movements from pedestrians. In parking lots, remain cautious as families enter and exit vehicles.

7. Watch for Teens and Older Trick-or-Treaters

While younger children tend to be accompanied by adults, teens might be alone, sometimes in groups that take up the entire street. Watch for any unpredictable behavior from older trick-or-treaters who may be walking in the street or crossing unexpectedly.

8. Stay Calm and Patient

With all the excitement, staying calm and patient as a driver is important. Halloween traffic can be frustrating, especially with crowds and stop-and-go driving. Accept that you’ll likely move slower and prepare for it. By staying patient, you’ll help ensure everyone has a safe Halloween experience.

Halloween should be a fun and festive evening, but safety must be a top priority for drivers. By following these tips, you can help protect trick-or-treaters and ensure that everyone enjoys a safe Halloween night. Remember, extra time and care can make a big difference!

Accidents can happen at anytime. Contact the team at EPB&B to review your auto policy and we will put the right insurance in place to keep you and your loved ones protected all year long.

10/24/24

EPB&B recognized once again as a Top Corporate Philanthropist

Taking care of our team members, customers, and the people in the Portland community is what EPB&B is all about. Because of this, we are happy to announce that EPB&B has once again been recognized by the Portland Business Journal as a Top Corporate Philanthropist award winner, coming in at an impressive #2  on the list of small businesses for the second consecutive year and showing an eight percent increase in financial giving from 2023. 

 

“As a native Portlander, I have grown up around, been aware of and experienced the power of supporting grassroots non-profits in Portland,” says EPB&B President Marc Baker. ” As a community, we are so fortunate to be able to support a city that has more non-profits per capita than any city in the world. I’m grateful that Elliott, Powell, Baden and Baker has grown to support over 50 employees who call the Portland metro area home and that local flavor resonates towards the local economy, superior service and an ability to pay it forward to local grassroots organizations with a goal of making Portland a better community for all.”

EPB&B in conjunction with the Baker Family Foundation  has had the honor this past year to continue to offer financial support some of our favoite local non profits, as well as learning about and supporting many new crucial small grassroots organizations, including; Michelle’s Love , The Angels in the Outfield, Path Home, Blanchet House, Oregon Music Hall of Fame, Children’s Healing Art Project: CHAP,  Stone Soup PDX, Birch Community Services, just to name a few.  

Whether it’s providing housing for families in a tight spot, serving hot meals to people in need, promoting the arts through funding student scholarship programs, or offering support to animals, we welcome the opportunity to pay it forward by supporting organizations in the community that help improve the lives of others. A big thank you to our team members, customers and professional partners;  it is because of your generosity and support of our mission that this recognition is made possible.  

Here is more information about  the Baker Family Foundation and EPB&B’s commitment to community involvement.

10/20/24

Preparing Your Teen for Winter Driving In Oregon

Winter in Oregon can bring challenging driving conditions, especially for new drivers. Preparing your teen for the road is essential for parents of teen drivers. Snow, ice, sleet, and reduced visibility can make winter driving dangerous, but your teen can confidently handle these conditions with the proper preparation. Here’s a comprehensive guide on how to get your teen ready for winter driving:

1. Educate About Winter Road Conditions

First and foremost, your teen needs to understand the challenges of winter roads. Snow and ice reduce traction, making it harder to control the vehicle, especially at high speeds. Teach how bridges, overpasses, and shaded areas are prone to freezing first and can be particularly dangerous. Explain how reduced visibility during snowstorms or foggy days can limit reaction time and increase the risk of accidents.

2. Ensure Proper Vehicle Maintenance

Before winter sets in, ensure your teen’s vehicle is ready for the season. Essential maintenance includes:

  • Tires: Ensure the car is equipped with winter or all-season tires in good condition. Proper tread depth is vital for maintaining traction in snow and icy conditions, and winter tires provide better grip, especially in severe weather.
  • Brakes: Inspect the brakes to ensure they are in top working order. Winter conditions demand responsive braking, and any wear can increase the stopping distance.
  • Fluids: Check the antifreeze levels to prevent engine freezing. Additionally, top up windshield washer fluid with one that can withstand freezing temperatures and replace worn wiper blades for optimal visibility.
  • Battery: Cold temperatures can reduce battery efficiency, so ensure the battery is fully charged and in good condition.

3. Teach Defensive Driving Techniques

Driving in winter demands more caution and patience. Teach your teen defensive driving techniques to minimize the risk of accidents:

  • Slow down: The most crucial rule of winter driving is to reduce speed. Slower speeds give more control and increase reaction time.
  • Increase following distance: On dry roads, leaving three to four seconds of following distance is common. This should be increased to eight to ten seconds in snowy or icy conditions.
  • Brake gently: Slamming on the brakes can cause skidding. Teach your teen to brake gently and apply steady pressure to prevent losing control. If the car has an anti-lock braking system (ABS), they should feel a pulsing in the pedal when stopping on slippery surfaces. Remind them not to panic and let the system do its job.
  • Accelerate and decelerate slowly: Rapid acceleration or deceleration can cause loss of traction. Encourage your teen to take it slow when starting from a stop or coming to a halt.

4. Prepare for Emergencies

Winter driving is unpredictable, and your teen must be prepared for the worst-case scenario. Ensure their vehicle has a winter emergency kit. This kit should include:

  • A blanket or warm clothing
  • Extra gloves and hats
  • Non-perishable snacks and bottled water
  • A flashlight with extra batteries
  • Jumper cables
  • An ice scraper and snow brush
  • A first-aid kit
  • A small shovel and sand or cat litter for traction if they get stuck

Explain the importance of staying with the vehicle if they get stuck in a snowstorm, as it offers the best protection from the elements. Running the car’s engine periodically to keep warm is fine, but the exhaust pipe should be checked to avoid carbon monoxide buildup.

5. Practice Makes Perfect

Consider taking your teen to an empty parking lot after a fresh snowfall to practice handling the vehicle in snowy and icy conditions. Allow them to experience how the car reacts to different maneuvers, such as turning, braking, and accelerating. This controlled environment will help build their confidence and hone their skills in a low-risk setting.

6. Encourage Awareness and Caution

Respecting the weather is one of the most valuable lessons you can teach your teen. Winter driving requires a different mindset than summer driving. Encourage them to check the weather forecast before heading out and to avoid driving in severe conditions if possible. If they must drive, they should leave early to give themselves extra time and avoid feeling rushed.

Winter driving can be intimidating for anyone, especially teens still gaining experience behind the wheel. By educating your teen on winter driving techniques, ensuring their vehicle is winter-ready, and encouraging them to stay calm and cautious, you’re helping them become safer, more confident drivers.

 

At EPB&B, we prioritize your family’s safety. Contact our team to review your auto insurance policy and consider adding additional coverage for roadside assistance or collision damage in case of winter accidents. Safe driving!

10/14/24

EPB&B is the title sponsor for the Oregon Music Hall of Fame for seventeenth year

For the seventeenth consecutive year, Elliott, Powell, Baden, and Baker is proud to be the title sponsor of the Oregon Music Hall of Fame (OMHOF)induction ceremony, which was held October 12th, at the Alladin Theatre in Southeast Portland.  The Oregon Music Hall of Fame honors Oregonians who have contributed to or significantly impacted the music industry’s evolution, development, and perpetuation.

One of the most significant outcomes of generous OMHOF sponsorship is the ability to offer yearly scholarships to selected graduating Oregon high school seniors who have exhibited serious pursuit and accomplishment in their personal musicianship and who are college-bound music majors. In seventeen years, OMHOF has provided approximately seventy scholarships to kids in the our community. 

The fundraising effort this year included an auction of autographed guitars, including those of Peter Framptom, Everclear, Paul Stanley and Deadmen Walking, amongst others.   

“Elliott Powell Baden & Baker Insurance has been our title sponsor for all seventeen years of our Annual Inductions of the Oregon Music Hall of Fame,” says Terry Currier, OMHOF Board President and Owner of Music Millenium in Northeast Portland.”  They have made it possible for us to realize our goals of promoting and preserving the musical arts in Oregon, and their support of our organization is with us throughout the year as they continue to find other ways to support OMHOF. “

10/07/24

The Importance of a Fall Home Cleanup for Insurance Protection

As the leaves begin to change and temperatures drop in The Portland Metro area, many homeowners shift their attention from summer fun to preparing for the colder months ahead. A thorough home cleanup is often an overlooked but crucial aspect of fall preparations. Not only does this help maintain the appearance and function of your property, but it can also protect your home from potential hazards that could lead to insurance claims.

Here’s why fall cleanup is more than just a seasonal chore; it plays a critical role in keeping your home safe and your insurance costs manageable.

1. Prevent Property Damage

Fall weather brings rain, wind, and eventually snow, all of which can wreak havoc on a poorly maintained home. A well-executed cleanup can help prevent damage to your property. Here are some key areas to focus on:

  • Gutters and Downspouts: Falling leaves and debris can easily clog gutters, preventing water from flowing correctly away from your home. This can lead to water damage, leaks, and even foundation issues. Regularly cleaning out gutters in the fall helps prevent these problems, saving you from filing costly insurance claims due to water damage.
  • Roof Inspection: As part of your fall cleanup, check your roof for missing or damaged shingles, flashing, or other weak points. Heavy snowfall or ice can worsen minor problems, leading to leaks or structural damage. Taking the time to address these issues now could save you from making a significant insurance claim.
  • Trim Trees and Branches: Overhanging branches can break off during windstorms or heavy snow, potentially causing significant damage to your roof, windows, or power lines. Fall is the perfect time to trim back any branches that pose a risk, ensuring that they don’t cause damage during winter storms.

2. Reduce Liability Risks

Fall cleanups are not just about protecting your home—they also help protect others. If a visitor or delivery person were to slip on wet leaves or trip over debris in your yard, you could be liable for their injuries. Homeowners insurance typically includes liability coverage, but it’s always better to avoid accidents in the first place. Rocking leaves, clearing pathways, and removing hazards can significantly reduce the chance of someone getting hurt on your property.

3. Prepare for Winter

A proper fall cleanup prepares your home for winter when heavy snowfall and freezing temperatures can worsen even small maintenance issues. By cleaning up now, you’re setting the stage for a safer, more comfortable winter season.

  • Outdoor Equipment: Take the time to store away or cover outdoor furniture, grills, and tools to prevent rust or damage from cold weather. Failure to do so could result in damaged items or, worse, contribute to a hazardous environment around your home.
  • Drain and Protect Pipes: Fall is the ideal time to drain outdoor faucets, garden hoses, and sprinkler systems to prevent them from freezing and bursting in the winter. Frozen pipes are a common cause of water damage, and depending on the circumstances, homeowners insurance may or may not cover them. 

A fall home cleanup is more than just a way to beautify your property—it’s an essential part of home maintenance that can protect your property from seasonal damage and reduce liability risks. By addressing key areas like your roof, gutters, and outdoor spaces, you’re preparing for winter and safeguarding your home and finances. 

Is your homeowner’s Insurance winter-ready? Contact the team at EPB&B Insurance, and we will review and update your plan so you and your home are protected all year long. 

10/02/24

Six reasons Oregon businesses need Cyber Liability Coverage

In today’s digital landscape, Oregon businesses rely heavily on technology to conduct daily operations, manage sensitive data, and communicate with clients. However, this reliance on technology also exposes them to various cyber risks. From data breaches to ransomware attacks, businesses’ cyber threats are becoming more frequent and sophisticated.  At EPB&B Insurance, our team of cyber insurance professionals has the experience and knowledge to help put the right cyber liability coverage in place to help protect your business.  Here is why having cyber liability coverage is not just an option but a necessity for businesses of all sizes.

1. Protection Against Data Breaches

Data breaches can be devastating for any business. They can expose sensitive customer information, financial records, or intellectual property, leading to significant financial losses and legal ramifications. The cost of a data breach can include legal fees, notification expenses, credit monitoring for affected customers, regulatory fines, and even potential lawsuits. Cyber security coverage helps mitigate these costs, providing financial support for legal defense, settlement fees, and the resources needed to respond to a breach effectively. This ensures that a data breach doesn’t cripple your business financially.

2. Managing Business Interruption

Cyberattacks, such as ransomware or denial-of-service (DoS) attacks, can disrupt business operations, leading to loss of revenue and productivity. For many businesses, even a few hours of downtime can result in significant financial losses. Cyber business interruption, data restoration and hardware replacement coverage can help cover lost income, additional operating costs, and expenses related to restoring your systems and getting your business back on track. This coverage ensures that a cyberattack doesn’t halt your business operations for longer than necessary and helps you recover quickly.

3. Covering Legal and Regulatory Expenses

With stringent data protection laws, businesses are now held to higher standards when protecting customer data. Failure to comply with these regulations can result in hefty fines and penalties. If your business suffers a data breach, you may face investigations, regulatory fines, and even lawsuits from affected parties. Cyber liability coverage can provide the necessary funds to handle these legal expenses, ensuring you comply with regulations and protect your business from further financial strain.

4. Reputation Management

A cyberattack can cause significant damage to a company’s reputation, leading to a loss of customer trust and loyalty. Rebuilding your brand image after a cyber incident can be challenging and costly, especially in today’s age of social media, where news spreads rapidly. Cyber liability insurance often includes coverage for public relations and crisis management services, helping you communicate effectively with customers, stakeholders, and the media. This support is vital to rebuilding trust and maintaining your business’s reputation in the aftermath of an attack.

5. Growing Threat Landscape

Cyber threats are constantly evolving, with hackers employing increasingly sophisticated methods to exploit vulnerabilities. Small and medium-sized businesses are often targeted because they lack the robust cybersecurity infrastructure of larger corporations. This growing threat landscape makes it imperative for all businesses to have a safety net in place. Cyber security coverage provides that safety net, offering financial protection and expert assistance when dealing with a cyberattack.

6. Third-Party Liability

In some cases, your business may be held liable if a cyberattack affects third parties, such as customers, vendors, or partners. For example, if a breach occurs on your platform that results in the loss of sensitive data for another company, you could be sued for damages. Cyber liability insurance can be structured to respond to third-party claims, protecting your business from costly litigation and ensuring you have the resources to handle any legal disputes.

In an increasingly digital world, cyber threats pose a significant risk to businesses of all sizes and industries. While implementing strong cybersecurity measures is necessary, even the best defenses can’t guarantee complete protection against cyberattacks. This is why cyber security coverage is essential—Contact the cyber liability insurance team at EPB&B and we will help find the right insurance plan to help protect your business from the potentially crippling costs associated with cyber incidents.