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!

Thursday, June 21, 2018

Would You Know a Cyber Attack if You Saw One?

Cyber attack, view of large city at dawn with white arcs representing cyber attacks between buildings.

Would You Know a Cyber Attack if You Saw One?

What is a Cyber Attack?

“I don’t know. But I will when one happens to me.”
Simply defining a cyber attack can be a challenge. It’s like trying to explain the shape of air, always changing. Crooks are incredibly creative these days and their operations are evolving. They are constantly inventing new ways of attacking your business. And cyber attacks are just that – an assault. They represent threats as real as a thief stealing from a cash register. Except the financial impact from a cyber loss is much greater.
So, let’s broaden our thinking on what a cyber attack may look like, because many of us hold an erroneously narrow view, founded upon a few high-profile stories prevalent in the news. However, a cyber attack can fall within any of the following broad categories:
  • Loss of Customer Data: Hackers steal information and profit by selling it to other criminals.
  • Loss of Employee Data: Even if you prudently guard customer data, most companies are required to maintain sensitive information on their employees as well. This can be social security numbers, payroll information, bank account numbers, health issues, and more.
  • Breach of Company Secrets: Competition is fierce. Are your competitors engaging in corporate espionage and reading your email?
  • Ransomware / Extortion: This occurs when a criminal gains access to your company’s server, website, or local computers, and blocks access. They then demand payment before releasing control. This is a common ploy and quite effective for a fast cash turn-around.
  • Virus: In any one of their multitude of forms.
  • Funds Transfer Fraud / Computer Fraud: This is a favorite among thieves due to the huge payouts possible. The ploy is to gain access to bank accounts utilizing one of several common strategies, and transferring money to an account they control. Strategies utilized to gain access information range from social engineering to good old-fashioned picking through your trash.
  • Social Engineering: A broad category that is rocketing in popularity thanks to the creativity of the bad guys. They get an A+ for divergent thinking. At its core, this strategy is to use fraudulent email or other communications to trick an employee into taking a specific action. Popular schemes include monitoring network traffic, then mimicking legitimate emails and misleading employees to divulge sensitive information such as payment methods, bank account passwords, or to make a payment to a fraudulent vendor.
  • Paper: Feeling nostalgic? Store your sensitive data in paper form? Any of the above can be accomplished by targeting important information on paper, many times with less effort.

It’s like trying to define the shape of air, always changing.”
Next we will explore what constitutes a loss of customer data, including who is responsible for the data’s safekeeping, whether the data owners or users or both. We will also address when a loss of data needs to be reported, and to whom.
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                                        Serving Florida since 1964

Friday, June 15, 2018

fRisky Friday - Risk Management for Garages - Creating a Safety Culture in Auto Repair Garages

Auto repair shop safety, mechanic installs mass air flow sensor. Finger shows wedding ring, a safety breach.

Creating a Safety Culture in Auto Repair Garages | Bankers Insurance

What’s Wrong in This Photo?
Auto tech Dan Windsor smelled burning rubber as he replaced the oil plug beneath a brand-new pearl-white F-250 King Ranch. A flicker of light, as from a candle, danced near his feet on the cement floor. He stepped from under the truck, snapped off gloves, and glanced up at the engine compartment. The vehicle was overhead on a lift, but a thin tongue of orange flame was visible, reaching high and licking the underside of the raised hood. He thumbed the lift controller’s DOWN button, snatched a fire extinguisher from the wall, and emptied its contents into the engine compartment. Even with his quick reactions, the truck was a total loss, resulting in a $72,000 claim against his business.
As insurance agents that specialize in auto garages, claims such as Dan’s are more frequent than realized. Although a $72,000 claim may be significant, it could have been much worse. Dan could have been injured or the building could have been set ablaze.

Risky Business

Garages are unique since they are exposed to such a broad variety of risks: vehicle accidents, damage to property, client injury due to faulty workmanship, and employee injuries, just to name a few. Hazards can originate from chemical reactions, sparks, fumes, solvents, and propellants. According to Service Tech, a lift inspection company, over 15,000 lift-related accidents cause employee hospitalization or death each year. Note how that statistic is driven by only one of the many pieces of equipment mechanics utilize every day.

Culture of Safety

Foster and Transfer

To prevent claims and reduce injuries, each garage must foster a strong safety culture. Regular training and awareness is then necessary to transfer that culture into a safety mindset adopted by each employee. This proactive approach takes time, but will help prevent accidents, injuries, and even save the business money on insurance premiums by reducing claims.

Be Proactive

Safety must be proactive. Never wait to make changes after an accident, but consider what mishaps may occur now, and take measures to prevent them.

Keep it Clean and Organized

Maintaining a clean and organized environment sets a consistent safety tone. It not only decreases the likelihood of accidents, but also boosts employee morale, increases work quality, and bolsters customer confidence. When a garage’s workplace is in order, operations flow in a predictable fashion, decreasing accidents. Employees may complain about cleaning up their workspace at the end of each day, but a neat environment increases pride and job performance. A clean, organized shop also creates the perception of quality in the mind of the consumer. It isn’t easy, but it is profitable.


Clothing and personal protective equipment play a critical safety role. Do not allow loose clothing or bulky gloves. The fingers and forearms are particularly vulnerable areas. Items caught in spinning belts or driveshafts can quickly lead to amputations. Consider requiring the use of arm chaps, not only to prevent burns and abrasions, but to keep loose shirt sleeves out of the way of moving parts. Loose hair is especially dangerous and should be worn up and out of the way – never tolerate long, dangly ponytails. Requiring eye protection is an inexpensive precaution and keeps dirt, metal chips, acid, and refrigerant out of employees’ eyes. Hearing protection is important if working near loud machinery. Remember that noise often causes damage latently, and permanently. Provide your mechanics breathing protection for working on brakes or with solvents. All that black dust is caked full of metal micro particles and can damage respiratory health.
“Maintaining a clean and organized environment…not only decreases the likelihood of accidents, but also boosts employee morale, increases work quality, and bolsters customer confidence.”

So, what’s wrong with the photo?

Although not a critical safety breach when performing a task as benign as reinstalling a mass air flow sensor, wedding rings should never be worn in a shop. This mechanic is only utilizing a ratchet and torx driver now, but the next job may require power tools. Plus, rings are notorious for getting snagged on just about anything. Finger amputations don’t have to come from moving parts!
Bankers Insurance specializes in insuring auto repair garages and can provide safety manuals, as well as employee manuals for auto repair, auto body, and auto dealerships. Our risk management services can help you discover and address common safety hazards. Let us help your organization create a strong safety culture and accident-prevention mindset, which encourages a strong work ethic, deepens client experience, and increases profitability. 
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                                       Serving Florida since 1964

Thursday, June 14, 2018

Is Your Vehicle Subject to a Recall? | Free Vehicle Recall Lookup Tool

Free vehicle recall lookup tool, mechanic working below an automobile on a lift.

Is Your Vehicle Subject to a Recall? | Free Vehicle Recall Lookup Tool

Thanks to a variety of efforts, the rates of vehicle-related injuries are dropping. And although removing distractions, routine maintenance, and defensive driving are important for safe travels, let’s not forget the easiest of all: vehicle recalls. Bankers Insurance values your safety and wants to ensure you are aware of a free vehicle recall lookup tool that will determine whether your vehicle is subject to a safety recall.
Owners should periodically look up whether an open recall exists for their vehicle(s). It is also a good idea to check for recalls before you purchase a used auto. Currently, it is estimated that 63,000,000 cars with open recalls are driving on U.S. roads.

Why are recalls issued?

Recalls are due to safety problems that may cause an accident or injure the occupants of the vehicle. They are issued when the auto manufacturer or the National Highway Traffic Safety Administration (NHTSA) determines an automobile does not comply with a Federal Motor Vehicle Safety Standard, or simply contains a safety-related defect.

One example is the recent Takata airbag recall, a critical safety issue which affects millions of vehicles all across the U.S. This recall is due to the airbag’s potential to injure vehicle occupants with metal shrapnel when the airbag deploys. To give you an idea of the scope of all recalls, in 2017 alone over 28,000,000 were issued by auto manufacturers.

Vehicle Recall Lookup Tool

The NHTSA’s recall tool makes it easy to determine if your vehicle contains an open recall. Simply type in your 17 digit VIN into the vehicle recall lookup tool and it will display if a recall exists. However, searching by VIN will not display closed (fixed) recalls, nor recalls performed by the manufacturer for non-safety issues. To see a list of all recalls reported to NHTSA, search by year and model number in the vehicle recall lookup instead.
Bankers Insurance values your business. Not only do we offer auto insurance, but also home insurancepersonal umbrella insuranceboat insurance, and all others. If you have any questions and are one of our clients, contact your agent. Don’t have their information handy? Look it up in your Client Service Portal. If you aren’t one of our clients, visit our personal insurance page to request a comparative quote or contact us.
Most of all, enjoy the road, but drive safely.

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

Friday, June 8, 2018

fRisky Friday - Risk Management for Restaurants - How Far Does Restaurant Liability Reach When Third Party Delivery Services Are Involved?

Restaurant Insurance

How Far Does Restaurant Liability Reach When Third Party Delivery Services Are Involved?

With the advent of online and mobile food ordering, restaurateurs are able to reach far beyond the borders of their own four walls, helping to increase revenue, consumers, and the customer experience. While this new shift in services undoubtedly has many upsides, restauranteurs are increasingly faced with new questions about how to protect their business, and the importance of knowing just how far their liability coverage reaches.
Some of the concerns that we have heard voiced from restaurateurs working with third party delivery services are the potential for foodborne illnesses, accidents during the delivery process, or criminal acts committed by the delivery driver.
Though several larger third-party delivery companies offer partnership agreements with the restaurants they work with, that does not necessarily mean your restaurant is free and clear of any claims that may arise as a result of an incident. At the very least, your restaurant may still be a responsible party in the eyes of customer.

Ways restaurants can protect themselves:

  • Require proof of insurance by the delivery service company or driver
  • Require the third-party service to carry insurance coverage that names your restaurant as an additionally insured party
  • Provide a disclaimer on your website or order form on the relationship with your restaurant and the delivery services
  • Require the third-party service to follow the industry standards for food safety, including the acceptable amount of time that can pass before food is considered no longer safe
  • Partner with third-party services that use tracking technology

Commercial General Liability Policy

A Commercial General Liability Policy covers a business for physical damage and bodily injury rising out of the operations of their business. The insurance industry for decades has been worried about slips, falls and food poisoning. Third-party delivery services now bring new challenges to the Commercial General Liability Policy. While there is no language to deal with outside delivery services, in most cases liability does not end once the delivery service picked up the food. The liability ends when the consumer eats the food.
Mobile food ordering is not going away anytime soon, and as this level of convenience technology and service grows, we can expect more personal injury and other consumer protection lawsuits that involve third-party delivery services. It is important to be aware of what coverage you have, the relationship you have with your delivery service, and work to mitigate the risk to your business as much as possible.
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                                         Serving Florida since 1964

Thursday, June 7, 2018

Debunking Auto Insurance Myths

Debunking auto insurance myths, white feather in front of a bright sun.

Debunking Auto Insurance Myths

Icarus never few on wings constructed of feathers and wax, and just because you’re getting older doesn’t mean your auto insurance rates will decrease. Many factors drive auto insurance costs, and only some are within your control. Below are a few details you may find surprising…
  • Older drivers have more accidents. This is a statistical fact. Sorry, but we cannot change the math. A cotton-topped eighty-eight year old grandma peering through the wheel of her 1972 Plymouth Fury III may be precious, but her insurance costs will be high. Yes, younger drivers have high accident rates as well. I’m training my sixteen year old son now and would much prefer driving with Grandma Fury. But if one looks strictly at age without the influence of any other factors, the frequency of accidents is high toward the beginning and end of our driving careers. Auto insurance rates reflect this, so they are high for new drivers and level off as experience builds, up until around twenty-six years old. Then we all enjoy a reprieve until they start to climb after sixty-five or seventy. Eventually, they may even surpass those paid in our youth.
  • Longer commutes equate to higher rates. This is because commutes occur when the roads are packed, increasing the likelihood of an accident. They also occur at the beginning and end of the day, when drivers are more likely to be drowsy and have longer reaction times. Lesson here? Be alert and drink strong coffee.
  • Your car may be a model that is popular among car thieves. Ever consider how crooks’ tastes in vehicles might affect your auto insurance? Check out the Forbes’ article on The Most Stolen New And Used Cars. If your car model is a common target, auto insurance rates will reflect it. You don’t see the Plymouth Aztec on there, do you? Lower your auto insurance by driving an ugly car.
  • Your zip code may be blacklisted. Even your neighborhood can affect your rates. If your area shows an abnormally high claim rate for any reason, theft or accident, your insurance company will charge accordingly. Wait! Does this mean that if you live in a neighborhood full of bad drivers with higher accident rates, your premiums may be higher? Yes.
  • Older cars can be rated higher than new models. One reason is the lack of safety features, leading to higher risk of injury and therefore higher auto insurance rates. Also, parts for older cars can be more expensive, increasing the cost of collision coverage. There are always exceptions, such as bumpers on new vehicles with proximity sensors.
  • Areas with more uninsured drivers mean higher premiums. If you are in an accident and the offending driver is not insured, your own insurance often pays to repair your vehicle (depending upon your coverage selection). Did you realize more than one in four drivers on Florida roads do not have insurance? If while driving to Disneyland and you are in an accident, a very good chance exists the other person simply isn’t covered. Several other states are almost as bad. Thus, living or working in such areas means higher premiums. And the uninsured trend is rising. Review which states have the highest rate of uninsured drivers.
  • Even where your car is stored makes a difference. If it parked in a locked garaged, that is best. A private driveway is good as well. But higher rates are given for parking lots, decks, public parking, and street parking.
This list is by no means exhaustive.
Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance
                                                   Serving Florida since 1964