Mission Statement

"Our mission is to create peace of mind and build enduring relationships."

Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.

Putting our mission statement to work

Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.

Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!

Wednesday, May 9, 2018

Work Comp Wednesday - Florida Workers' Compensation Rates Will Decrease June 1, 2018



The Florida Office of Insurance Regulation (OIR) has approved a decrease of 1.8% for Florida workers’ compensation rates effective June 1, 2018.  The rate decrease applies to new business written on or after June 1st and to existing policies renewing on or after June 1st.  The National Council on Compensation Insurance (NCCI) filed a rate decrease with OIR as a result of the federal Tax Cuts and Jobs Act, which became law in December 2017 and which NCCI says will increase profits to insurance companies.  The rate decrease is intended to offset this increase.

Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                   Serving Florida since 1964

Monday, May 7, 2018

LOSS PREVENTION - How to Burglar-Proof a Business

Accessing the outdoor storage facility

How to Burglar-Proof a Business


Burglars and business don’t mix well. Business owners and managers have enough to worry about. Burglar-proofing their business shouldn’t be a priority, but it is. And once robbed doesn’t preclude a second or even third break-in by the same bad guy(s). Once familiar with your business layout and contents, thieves figure out how to beat whatever you’ve done (usually little) to deter them and they know you’ve replaced the items they stole and likely fenced, so why not conduct their repeat, profitable performance.  Only one in six burglaries results in an arrest, so statistics prove many thieves are roaming the streets looking for their next victim. Facing the facts, especially for small businesses, is ‘street-wise.’ Check your business premises and see if you’re already following these anti-theft procedures.

Lock Down Securely
Using pin-cylinder locks gives great protection since these are difficult to pick. The deadbolt-type lock is your best lock defense, either with a key or a knob to set it. Thieves are frustrated with double-cylinder deadlocks that must be opened by a key from either side, since getting out of the building is just as difficult as getting in.

Good Key Sense
Some or maybe all of your employees need keys. But have a list, plus code the keys so only employees know which locks they open. Having different keys for exterior entrances and interior rooms so one key doesn’t fit all locks is a deterrent, as well.

Alarms, Noisy or Silent
Silent alarms to notify a central station are recognized as the best protection and the best way to catch thieves. Silent sensing devices also offer good protection. But even cheaper building-siren alarms do reduce the time to steal since most burglars will quickly grab and run, cutting down on losses.

Light Up the Night
Bright lighting inside and outside is usually inexpensive and often effective. Flood doors and windows with light, either motion-sensitive or constantly on. Have every entrance point, including small windows and large vents, flooded with light to discourage even highly motivated burglars. Mercury and metallic vapor lamps serve well since they are almost unbreakable.

Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                   Serving Florida since 1964

Thursday, May 3, 2018

Protect yourself from carbon monoxide—at home and work



Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning—and the invisible, odorless gas sickens thousands more. 

The numbers seem even more tragic when you consider that most of these deaths and illnesses are preventable. Here are tips from the Consumer Product Safety Commission and the Occupational Safety and Health Administration to help protect yourself and your loved ones at home and work. 

At home 
  1. Make sure you have CO alarms—and that they work. You should have a CO alarm on every level of your home and outside sleeping areas. Test them and replace batteries regularly, too. The alarms themselves should be replaced every five years or as recommended by the manufacturer.
  2. Get your chimney and furnace checked. A chimney or furnace that isn't functioning properly can lead to CO buildup inside your home. Have a professional examination and/or service before you begin using them.
  3. Be careful with generators and grills. Neither should ever be used inside your home or in an enclosed space, such as a garage—even semi-enclosed spaces like porches can be risky, too. Keep generators at least 20 feet away from the house when in operation.

At work 
In general, the same precautions for homes apply here, but there are a few additional considerations for the workplace, particularly one where gas-powered machinery is used:

  1. Be mindful of ventilation. Every year, workers are poisoned by CO while using fuel-burning equipment in areas that don't have adequate ventilation.
  2. Try using different tools indoors. Consider electric tools or ones powered by compressed air, and if possible, avoid using forklifts, pressure washers and other gas-powered equipment. Ensure machinery and tools are maintained properly, too.
  3. Report unsafe conditions or issues. If you see something that might cause CO buildup, or you suspect CO poisoning in you or a co-worker, get people out of the area and report the problem to your employer immediately.

Whether you're at home or work, always be on the lookout for symptoms of CO exposure: They include dizziness, drowsiness, headaches, and nausea. If you suspect an issue, leave the area as soon as possible and call 911—because when it comes to CO, it's better to be safe than sorry.


Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                   Serving Florida since 1964

Monday, April 30, 2018

Avoid These 6 Responses To Crisis


Crises are inevitable for any small business. There’s going to come a time where something will go wrong – whether because of you, an employee , or something completely out of your control. How you deal with that crisis can have a negative impact on your company. We want to make sure that doesn’t happen, so we've collected a few key pointers on how not to manage a crisis and how to help you get through one successfully.

1. Don’t Make Excuses

Some crises that hit your business will require you to explain yourself to your customers. In those times, you might be tempted to justify or excuse what went wrong. “This is the worst possible way to handle a problem,” says Griffith. “It can make you look like a rookie in the eyes of your customers and peers.” Instead, take ownership of the mistake that caused the problem. You will be respected for it. “Respect and perception,” explains Griffith, “are huge tools when it comes to growing your business.”

2. Don’t Overreact If Your Employee Created the Crisis

When an employee makes a serious mistake that creates a crisis, some managers will unleash their inner Gordon Ramsay and let them have it. That’s a terrible idea. Employees are human and they make mistakes. “Losing your cool on them does nothing to advance the business,” says Griffith. “A calm discussion about the problem is more effective 100% of the time.” If you’re not calm, you can cause long-term damage over an often short-term problem. “I like for my employees to feel like a part of the team. Overreacting can cause resentment that makes for a very tense work environment.”

3. Don’t Ignore Processes

“Call me a pessimist, but I always expect the worst, and try to have a plan in place to combat it,” says Alpha Art’s owner. If you aren’t on some level prepared for any kind of crisis, you will be ill-equipped to minimize any damage to your business it can cause. Don’t pretend nothing bad will happen. It eventually will. Anticipate what could go wrong and prepare for it. “There aren’t many things in business that can’t be taken care of with a well-thought-out system. If you create a proven way to handle all aspects of your business (and stick to it), the amount of headaches that arise will decrease significantly,” says Griffith.

4. Don’t Hide

Some crises will be customer-facing, and in those moments you might be scared to tell them or maybe just hope they don’t notice. That’s a bad way to handle a situation, says Griffith. “Be 99.9% honest with your customers. If you can tell that your issue is going to have a negative effect on them, and there is no way to avoid it, let them know. Nobody likes being blind-sided.” But Griffith does add a condition to that: inform, but don’t over explain. “Thoroughly explaining the problem can sometimes come across as making excuses. They don’t always need to know every detail of the problem.”

5. Don’t Settle For Offering an Apology, Fix the Problem

When things go wrong in a way that can affect your customers, it can be tempting to take the easy route of just preparing to offer an apology instead of looking for a way to fix the problem. Easier isn’t better. “Many times an apology after the fact is not enough,” Griffith says. “Not doing everything in your power to solve the problem before it reaches your customer,” he says, “is one of the worst ways to deal with a crisis.”

6. Don’t Focus on the Mistake, Focus on the Solution

When a mistake that leads to a crisis happens, you may want to immediately find out how and why things went wrong. Resist that temptation. “It is important to find out where and how the mistake occurred, but it does not take priority over solving it,” says Griffith, especially when the mistake can impact your customers. “Number 1 priority of anyone in business should be to take care of their customers.” That doesn’t mean you have to ignore how the error came about. Just tackle it later. “Once you have completed the task at hand, then go to work diagnosing the who’s and how’s and fix it in a professional manner.”

Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                   Serving Florida since 1964

Thursday, April 26, 2018

ARE YOU COVERED?



An Open Gate Leads to Heartbreak

 
The Mariani family was in their front yard when their 81-year-old neighbor, Stewart, came across the street for a quick chat. The family didn't realize that their gate was unlatched and out came their gregarious golden retriever, Gus to greet him.
As Stewart bent down to say hello to Gus, the dog jumped up and knocked him over. Stewart twisted and fell backward, breaking his arm and hip and hitting his head on the sidewalk. 
Stewart was rushed to the hospital, where he ultimately succumbed to his injuries. 
The family's standalone personal umbrella covered Stewart's medical expenses and ongoing litigation once their underlying homeowners insurance was exhausted.
Claim: $1 MM

                    Contact us for all your Insurance needs! (321)725-1620 
                                              Bob Lancaster Insurance

Serving Florida since 1964
 
 

Tuesday, January 23, 2018

High Costs of Harassment - How EPLI Coverage Can Help

With new headlines involving alleged harassment and other inappropriate conduct continuing to emerge, insurance coverage for claims that might come as a result is something every business should consider. 

Why You Need Employment Practices Liability Insurance:

Charges against employers for discrimination, harassment, wrongful termination, retaliation and wage-and-hour violations are at all-time highs. Layoffs, downsizing, salary freezes and reductions in benefits can be used by past and present employees as evidence of “tangible adverse employment actions” to file charges of discrimination, harassment, retaliation and wrongful termination against employers.

Claim Example:

Sexual Harassment and Wrongful Termination: After reporting to the owner multiple incidents of repeated sexual harassment by the General Manager that ranged from comments about her appearance to pressure to date, a female employee who handled the auto dealership’s financing department alleged the GM began a systematic campaign to force her to resign. The employee settled for $150,000. Defense costs of $75,000 brought the total claim to $255.000.

With only a few pieces of information including class of business and number of employees, we can get you a quote for coverage!

                              Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance

Serving Florida since 1964

Wednesday, October 25, 2017

WORK COMP WEDNESDAY - Being Proactive is Key for Workplace Safety

“I never saw a wreck and never have been wrecked, nor was I ever in any predicament that threatened to end in disaster.”
Captain Edward Smith in 1907
You might recognize this as a quote from the captain of the RMS Titanic. Although spoken several years prior to the 1912 sinking of the Titanic, it certainly holds a powerful safety message. Since we should probably learn from history rather than repeat it, consider how we can benefit from Captain Smith’s misfortune. Being prepared for the worst can help prevent accidents and injuries from happening.
Safety must be an active part of everyone’s job, and everyone should be engaged in activities that will reduce the likelihood of injuries taking place. Workplace safety is often overlooked or simply taken for granted. No worker wants to be injured, and no employer wants to be responsible for an employee injury. So it’s just “common sense” right? If it were only that simple. A worker who says “I’ve never been hurt” isn’t necessarily being proactive to prevent injuries, he’s simply recounting how lucky he’s been. Similar to the stock market where past performance is not an indicator of future returns, a good safety record is not a guarantee of employee safety. Complacency is the biggest threat to workplace safety.
Organizational culture will make or break any safety program. Success comes with commitment to safety from every level. It starts with solid hiring practices that ensure the right people are brought into the workplace. It includes an orientation process that covers all safety rules, proper equipment use, emergency procedures, and how to make safety related suggestions or report unsafe conditions.  Continual training and process improvement are also necessary to keep employees focused on personal safety and organizational safety success.
A strong safety culture also includes proper leadership from the front line supervisors all the way up through the executive team. All organizational levels must understand the importance of safety and integrate it into their business goals. Employees must be held accountable for safe behaviors and management cannot let production push aside safe operations. It is truly a team effort from the top down. Breakdowns in communication or shortcuts taken to save time will only result in a sporadic and unpredictable injury cycle. Safety is manageable just like every other aspect of business. 
Be ready for emergencies and expect the unexpected. Captain Smith thought he was sailing an unsinkable ship. He was steaming too fast in an area where icebergs were common, had an inexperienced and overconfident crew, and didn’t have enough lifeboats for everyone aboard. This moment in history is important to consider as we apply workplace safety to our organizations. Make sure you are doing all you can to prevent injuries, that you have a well trained staff and that safety is a priority for everyone.
By taking these proactive steps, the likelihood of injuries decreases and production will increase. Safety should not be an additional duty or seen as an expense item. Safety is a smart investment and it should be an integral part of everyone’s job! 
                                  Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance

Serving Florida since 1964