Archive | February, 2019

How To Prevent a Chimney Fire

It has been a very cold year so far, especially for us in Southern California. Plus, we’ve had more storms recently than over the last few years combined! All of that together may make you think about putting a few logs in the fireplace and lighting it up. Nothing is as cheerful and cozy as a fire on a chilly day.

But before you put a match to those logs, please review these tips on how to prevent a chimney fire. A chimney fire can burn a home to the ground, cause people to lose their lives, and are mostly due to lack of chimney care and maintenance. Continue Reading →

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President’s Day


The history of President’s Day dates back to the year 1800, following the death of George Washington in 1799. The measure was signed into law 1870 by President Rutherford B. Hayes. It was the first holiday to celebrate the life of an individual American. But here are some facts you might not have heard. Continue Reading →

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Chili on a Chilly Day


When the weather is chilly and it’s National Chili Day . . . well, you know what’s coming up for dinner. It’s one of America’s favorite comfort foods. But the heat of chili has to have balance with the side dishes. You can easily transform a simple pot of chili into a total dinner fit for a star. Here are some of the “back up singers” to get you started.

Where are we starting? Cornbread of course: Skillet corn bread with cheddar and scallions. Try not to fix these next suggestions:

  1. Jalapeño-Goat Cheese Grilled stuffed Mini Peppers: Easy and yummy Recipe Link
  2. Macaroni and Cheese in Acorn Squash Bowls: Mac and Cheese for Vegans Recipe Link
  3. Buttermilk blue cheese Mashed Potatoes: Irresistible!  Recipe Link
  4. Bacon Cheddar Biscuits: These will go quickly. Recipe Link
  5. Smokey Barbecued Corn: Recipe Link
  6. Mango Guacamole: Sweet and Spicy Recipe Link

You can find the more recipes here: Wow Recipes


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Your Home Fire Extinguisher: How to Inspect It and Why

Do you have a fire extinguisher in your home, ideally by the kitchen? If not, you should, as it’s something most people don’t think about until they are in need of one. And even if you have one, it’s no good to you if it’s not in working order.

This is why you need to inspect your home fire extinguisher regularly, to ensure it works when you need it most. Continue Reading →

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Will the NFL’s Downfall Be Losing Insurance Coverage?

There’s been a lot in the news over the last few years about traumatic brain injuries caused by playing football, and even a motion picture where Will Smith played the accomplished pathologist Dr. Bennet Omalu who uncovered the link between the sport and head trauma.

So, how does this relate to insurance, you must be wondering. Just like any other industry, the National Football League (NFL) needs general liability and workers’ compensation insurance coverage to function. And right now, the insurance companies are just a little bit concerned about the costs that may be incurred for covering the NFL, Pop Warner and other youth football leagues.

Make that “really concerned”. In fact, the insurers are very worried that the potential for traumatic brain injury claims are going to be like asbestos claims, and cost them potentially billions over decades.

“Basically, the world has left the marketplace,” the man behind the story, Alex Fairly, CEO of the Fairly Group, told ESPN’S Outside the Lines. “If you’re football, hockey or soccer, the insurance business doesn’t want you.”

And Fairly is a man who has some experience in this department. In addition to the NFL, Fairly’s risk management firm The Fairly Group, based in Amarillo, Texas, has a list of clients that includes Major League Baseball, Major League Basketball, Major League Soccer, the National Hockey League, U.S. National Men’s and Women’s Soccer, various U.S. Olympic Committee governing bodies and more than 1,000 collegiate athletic departments.

Plus, The Fairly Group has a construction division where they have provided risk consultancy and brokerage for the development of nine new professional sports stadiums.

That’s a lot of sports.

And it’s why Fairly realizes that the real trick (and the real challenge) for the NFL and other professional sports leagues is not about insurance, it’s about risk management. In regards to the NFL specifically, Fairly cites the insurers’ concern about the “general unknown” associated with exposure related to head trauma, as it is not easy to predict, measure, and therefore, price.

Right now, the NFL doesn’t have general liability insurance covering head trauma, and just one carrier is willing to take on their workers’ compensation coverage. Eventually, the insurance companies’ refusal to insure the NFL has created a new economics of football and is squeezing and potentially killing off programs faced with higher costs and scarcity of coverage.

It’s so bad, even football helmet manufacturers only have one choice when it comes to insurance companies.

Dr. Julian Bailes, Pop Warner’s medical director and a member of the NFL’s Head, Neck and Spine Committee, told Outside the Lines “insurance coverage is arguably the biggest threat to the sport.”

In fact, it’s possible that more school administrations will decide to eliminate football to eliminate any potential risk.

Would you let your children play football? Please leave your thoughts in the comments below.

BMR Insurance Agency cares about its community and its customers. Don’t forget we’re here for you if you have questions about your policy or coverage: Call us at 714-838-1911 or send us an email: Don’t forget to follow us on LinkedIn for all the latest and best information and advice on all insurance matters.

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