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					Landscape Contractors Insurance Services, Inc. Newsletter                                                                Holidays 2010



                     Are you the cheapest…?
                     H
                           ow many times have you heard that question          is the premium you pay plus uncovered claims, partially
                           while bidding on a job? In this economy,            covered claims, legal fees, short and long term expenses
                           there is no escaping that our price points have     associated with poor claim handling, deductibles or poor
                     become more critical than ever before. As business        workmanship, inferior materials, construction defect
                     owners we are faced with the challenge of doing the       issues, consumer complaints and lost man hours just to
                     same work for less, or worse, more work for less,         name a few.
    DAvID R.         to compete for, retain, or earn the business. This is
 BLooDGooD,          true for both landscapers and your CLCA endorsed          The best cost represents a fair price with the coverages you
       CIC           insurance program from LCIS.                              need while providing all the services that landscapers and
LCIS Sales Manager                                                             their clients have come to expect.
                    When asked, “Are you the cheapest?,” I always like
to respond with these two questions:                                         2. Are you the cheapest at what you do? If you are not
                                                                                the cheapest, why should I do business with you in this
1. Are you more concerned with the Price or the Cost? Price is simply           economy? Aren’t you all basically the same, with all the
   the premium you pay for the policy or price you pay for the job. Cost        same tools providing basically the same services? Think
                                                                                about it for a minute. If you are not the cheapest how do
                                                                                you justify the value of “why” you are worth more than
                                                                                your competitor? What do you do, how long have you
                                                                                been doing it or what do you offer or bring to the table
                                                                                that others in your industry do not? How did you calculate
                                                                                that value and how do you explain this additional value
                                                                                (expense) to your client or prospective client? We all bring
                                                                                our own unique “value” to the table.
                                                RETURN SERVICE REQUESTED

   PERMIT #740                                          Fresno, CA 93727
                                                                             Landscape Contractors Insurance Services (LCIS) was
  PASADEnA, CA                                          1835 N. Fine Ave.
     PAID
   US POSTAGE
                                            Insurance Services, Inc.         formed by and out of the vision of the California Landscape
    PRSRT STD                               Landscape Contractors            Contractors Association (CLCA) over 20 years ago with the
                                                                             primary charter and mission to provide financially strong
                                                                             insurance products and stable insurance premiums solely to
 You’re a Winner with LCIS!                                                  the members of CLCA through the various economic and
                                                                             insurance market cycles in California. Additionally, LCIS

L   CIS recently participated in the
    Landscape Expo in Long Beach in
 October, where our representatives
                                                                             has contributed over $50,000,000 in rebates, equity contribu-
                                                                             tions, sponsorships and support of CLCA and the landscape
                                                                             contractor industry in California.
 shared the value of CLCA member-
 ship and LCIS insurance coverage with                                       There have been many positive changes at LCIS in 2010 and
 attendees. Highlights of the trade show                                     we are excited about the New Year ahead of us. We look
 were when President/CEO Kim Ayala                                           forward to working with you in 2011 to offer our specialized
 tried on a safety helmet “just to be one                                    Green Industry insurance programs at very competitive rates
 of the guys,” and when John Grise,                                          representing the best cost and greatest value for our CLCA
 President of Alder Landscape Services, Inc.                                 member family.
 won the big raffle prize – a really neat tool chest
 barbeque. Congratulations to the lucky winner!                              Take care and stay green!
                         President’s Message                                                             Happy Anniversary
                                                                                                          to the Following
                         Congratulations to All the                                                          Employees:

                         CLCA Award Winners!                                                                    JULY
                                                                                                      Connie Bringetto           7 years


                        I
                          would like to congratulate all the 2010 CLCA Landscape Award                Lera Pedrizzetti           4 years
                          winners. It was nice to see a lot of familiar faces at this year’s Trophy
                                                                                                      Kim Saenz                  7 years
                          Awards Show in Anaheim. It turned out to be an excellent red
       KIM AyAlA
      President / CEO
                        carpet event. It is always interesing to see the photos of the completed                 AUgUST
                        projects. It’s a nice visual instead of only imagining what type of
    pickup truck, backhoe or mower we insure.
                                                                                                      Connie Carpenter 9 years
    It’s that time of year again, REBATE
                                                                                                      Ashley Long         4 years
    TIME. Even with the severe recession              u MISSIoN STATEMENT u                           Elizabeth Ngo       4 years
    we have all experienced, I am pleased to                                                          Claudette Stockbridge 5 yrs
    announce that LCIS will once again be               “To provide quality insurance
    paying a rebate. This year we will pay              products at competitive prices,                       SEPTEmbEr
    a 3% rebate for the premiums billed in
                                                          along with superior service                 Fran Barker               7    years
    2009. Over the last 20 plus years LCIS has
    paid over 36 Million Dollars in rebates.             through our commitment of                    Sabrina Drake             2    years
    Look for your check at the beginning of              excellence to our customers                  Stacy Manning             7    years
    December.
                                                               and employees.”                        Tina Schulze              3    years
    If you are not currently insured with LCIS
    or a member of CLCA, LCIS and CLCA will                                                           Vivian Garcia            15    years
    pay your first year’s CLCA membership dues if you obtain insurance through us.                    Terry Mahlman            10    years
    As the year comes to an end I would like to wish everyone a very Happy Holiday Season             Debbie Kirby              8    years
    and a prosperous New Year! Thank you for your business. – Kim Ayala
                                                                                                      Mike Dunn                13    years
                                                                                                                OCTObEr
    Client Testimonial – LCIS Professionalism Praised                                                 Janet Schoenfeld           5 years
    “This was a no-brainer decision for me this year. The work comp                                            NOvEmbEr
     rates issued are very competitive with a modest increase to last                                 Sharon Barroca             6   years
     year’s, and I certainly enjoy the decrease with the package rates.                               Debbie Cerkueira           8   years
     And just as important, this was an easy decision for me as the trust                             Benita Hall                4   years
     that we have built over the years has really solidified this relation-                           Ramon Simpson              6   years
     ship, and I appreciate that.
                                                                                                               DECEmbEr
    “It’s a pleasure doing business with LCIS and more specifically with                              Rosario Bustos            4 years
     Elizabeth Ngo and Gil Gonzalez; it’s refreshing to know that they                                Sharmane Jones           10 years
     will follow through EvERY time.”                                                                 Rhonda Scow               9 years
     – Pierre R. Marizco, Marizco Landscape Management, Inc.




      Making a Difference!                                                                            Contact Us
      LCIS Employee Recognition Program                                                               Toll-Free                (800) 628-8735
                                                                                                      President/CEO
      If one of our employees has made a positive difference by providing                              Kim Ayala                     ext. 511
      outstanding service and deserves recognition, please let us know.                               Vice President, Sales
      E-mail your comments to: Ethan Brown, Human Resources –                                          Jerry Elson                   ext. 512
                                ebrown@lcisinc.com, or call us at (800) 628-8735                      Certificate Request Fax (800) 440-2378
                                                                                                      LCIS Website           www.lcisinc.com

2
        Employee                                                        WC Guru

                                                                        Catching Up with New
        Spotlight                                                       WC Developments
                                                                        It has been a while, so let’s catch you up on California
                                                        TERRY
                         Pamela Severson,             MAhLMAN
                                                                        Workers’ Compensation…
                         Accounting                     Business         WC Rates – What’s in store for 2011? WC rates continue to slowly
                                                      Development
                         Department, began             Manager
                                                                         increase. In 2009, the WCIRB proposed a 22.8% increase in the
                           working at LCIS in                            advisory rates. The Insurance Commissioner rejected the proposal
                           November 2009,          and carriers took small-to-moderate increases throughout 2010. This year, the WCIRB has
                           but brings with her     once again proposed a large increase of 27.7% in the advisory rates. Indications are that
                           29 years’ worth of      the Insurance Commissioner will also reject the proposal and
                           accounting and 25       that carriers will increase rates 5-10% for 2011. LCIS continues     Indications
                           years of insurance      to compare rates for our various WC markets to come up with
    “I like to step back experience, having        the best value available for each of our customers.                  are… that
     and look at the big worked 22 years with
     picture to find the the same agency           Experience Rating – There were multiple changes to the               carriers will
     solution…”            as an Accounting        experience rating plan for 2010 that caused some employers to
    Supervisor. She also has extensive             have higher experience modifications than in prior years. Good       increase
                                                   news this year is that the calculation process is not changing.
    experience in Quality Control, Procedures
                                                   However, effective January 1, 2011, the experience modifica-
                                                                                                                        rates 5-10%
    and Workflow as well as software analysis
    as it relates to accounting and sales,         tion worksheets will include the employer’s “loss free mod”          for 2011.
    having played a leading role in three major    showing the best possible experience modification that the
    software conversions over the years.           employer would have received if no losses occurred. The differ-
                                                   ence between the actual mod and the loss free mod would be the amount that is “control-
    In her spare time, Pamela enjoys               lable” by employer safety programs promoting accident prevention. For more details on
    photography, music, computers, traveling       the experience modification process, please refer to LCIS newsletters of 7/06 and 8/06,
    and spending time with her loving husband      available at our website. If you would like an explanation of your experience modification,
    and two teen-aged children.                    please feel free to contact me.
    victoria                                       Revised CA WC Posting Notices/Forms – Effective October 8, 2010, California
    Anderson,                                      employers must: 1) post revised Workers’ Compensation posting notices (DWC-7); 2)
    Account Manager,                               distribute an updated version of the new hire pamphlet to employees hired on or after
    just began working                             that date; 3) utilize the revised DWC-1 Claim Form/Notice of Potential Eligibility when
    for LCIS this July;                            an employee reports a work injury; and 4) post Medical Provider Network (MPN) notices
    however, she has                               – if the employer has implemented the MPN process. Your insurance carrier, as well as
    been in the insurance                          LCIS, has previously communicated the changes to be implemented and has sent out
    industry for over                              sample copies of the DWC-1 and DWC-7 forms. At press time, Tower Select is finishing
    10 years. She looks                            off a second mailing that will include copies of the Facts About Workers’ Compensation
    forward to building      “I look forward       brochures that you need to provide to all newly hired employees. Please contact Judi
    relationships with        to building          Smith or myself if you need assistance.
    LCIS customers            relationships with
                                                   Alternative WC Solutions – LCIS now has the ability to offer a PEO solution for
    and with fellow           LCIS customers
                                                   WC and HR/Payroll Services needs. PEOs (Professional Employer Organizations) utilize
    employees. Being          and with fellow      co-employment agreements to cost-effectively outsource human resources, payroll and
    knowledgeable about       employees.”          workers’ compensation. The PEO client (you) is able to focus on the core elements of his/
    insurance coverage                             her business in order to maintain or grow the bottom line. The PEO client is able to make
    and procedures is important to Victoria.       all the key decisions needed in order to direct and run the business (including hiring,
    She has earned various industry                firing, directing work, disciplining, setting salaries, etc.), but the HR, payroll, payroll tax
    designations: AIS (Associate in Insurance      compliance and unemployment claims are handled by the PEO. In addition to offering
    Services), CISR (Certified Insurance Service   “standard” WC coverage, we will offer the PEO option to customers where there is a good
    Representative), and the CPIW (Certified       fit for a PEO.
    Professional Insurance Woman). Victoria
    is also an active member of Insurance
    Women of Fresno and was awarded the
    title of “Rookie of the Year” in 2004. She
    also was First- Runner-Up in the National
                                                        For additional information, visit the lCIS Website:
    Association of Insurance Women state
    level speech competition in 2009.                                        www.lcisinc.com
3
    ‘Thanks a Million’ Contest Winners Announced!!!
    L
        CIS would like to congratulate the winners of its first two           The fourth quarter 2010 renewal winners are:
        “Thanks a Million” drawings. Here’s how the contest works:              Green Leaf Tree Care, Inc. of San Diego, CA
        When you returned your renewal information by the date                  Taylor Made Landscape Construction of Saugus, CA
    noted on your renewal information packet and you return your                Lesaca Landscape of Bakersfield, CA
    “Thanks a Million” bill with your business name and phone                   Hydrosprout, Inc. of Escondido, CA
    number, you are entered in our “Thanks a Million” drawing. The              Martinez Landscape Co., Inc. of Sylmar, CA
    prize is a $50.00 gift card and there are five winners chosen each
                                                                              We would like to thank all who have retuned their renewal infor-
    quarter.
                                                                              mation packet to us by the requested date. This helps us keep our
    The first drawing was held in August for third quarter 2010               work flowing smoothly, enables us to provide our carriers with a
    renewals. The winners were:                                               submission and provide you with a proposal in a timely manner.
       Queco, Inc. of Sonoma, CA
                                                                              We at LCIS thank you for your business!
       Corbella Landscape of San Diego, CA
       Dave Reynolds Landscapes of Riverside, CA
       Green–Tek Landscape of Valencia, CA
       Cortland Landscape Construction, Inc. of Arroyo Grande, CA
                                                                               Visit Us At the Lis shOW
                                                                                Jan. 12–13 – L.A. Convention Center
                                                                                LCis will be in booths 2034 and 2036
    Spreading the Good News                                                     enter to win a toobox barbeque set!




     SFX SPEAKER Doug Carter (fourth from left) was sponsored by LCIS this          LANDSCAPE EXPO show in Long Beach in October drew LCIS
       past June. Shown at the San Jose event are LCIS team members David      representatives Jerry Elson, Kim Ayala, Terry Mahlman, David Bloodgood,
      Bloodgood, Jerry Elson, Nelson Colvin, Kim Ayala and Terry Mahlman.             Dan Dvorak and Oscar Montano (and that nifty barbeque).




       LAUGHING UP A STORM at the November CLCA Convention in                   CLCA CONVENTION activities also included a visit from Mickey and
       Anaheim’s Disneyland Hotel is Humor Therapist and Keynoter Elaine         Minnie Mouse. Enjoying the Magic Kingdom are LCIS team members
      Lundberg (right), with her LCIS sponsors Jerry Elson, Dan Dvorak, Kim                  Kim Ayala and daughter Ashley Husong.
          Ayala, David Bloodgood, Nelson Colvin and Terry Mahlman.
4
          Safety Tips of the Quarter                                                                                             Holidays 2010

                                                Keeping Safe This Winter
                                                 By Bridget Miller, El Dorado Communications, Inc.


B
      lizzards? Freezing rain and hail? Weeks       n Candles are often used during holiday          n Drive with lights on LOW beam. High
      at a time with below freezing temps?            celebrations. Be sure to keep your home          beams will reflect off the fog, creating a
      Just because much of California                 or office safe by keeping them away from         “white wall” effect. Avoid crossing traffic
doesn’t experience the extremes we see on             children.                                        lanes.
the news doesn’t mean that we can ignore
                                                                                                     n Travel with the driver’s window partially
the changing seasons when it comes to
                                                                                                       open. Listen for traffic.
watching our safety. There are still plenty of
seasonal hazards to be aware of this winter.                                                         n If your car is disabled or you can’t
                                                                                                       continue, pull well onto the shoulder and
December marks the start of the winter
                                                                                                       turn off lights. Move away from your
weather, but is also a time of holidays and
                                                                                                       vehicle.
celebrations. We’ve just started the season
for more rain and the occasional dip into                                                            n Check road conditions often by calling the
downright cold temperatures. More rain can                                                             Caltrans Road Conditions Hotline: 1-800-
mean more danger of floods. This combina-                                                              427-ROAD (1-800-427-7623).
tion means more hazards to be aware of –
                                                                                                     n Winterize your car by checking the brakes,
both inside and outside.
                                                                                                       defroster, heater, exhaust, lights and tires.
SAFETY TIPS AT YOUR HOME OR OFFICE
                                                                                                     n Keep a full gas tank, which will allow you
n Be sure to have safeguards in place at your       n Speaking of fire hazards, if you didn’t          the leeway to turn around if you encoun-
  home and business, such as rubber mats in           check your smoke detector batteries              ter bad conditions without worrying about
  areas that may become slippery when wet.            during the time change in November, now          having enough gas to get home.
                                                      is a good time to replace them.
n The Federal Emergency Management                                                                   n Holidays present a lot of opportunities to
  Agency (FEMA) also has some good advice           WHILE WORKING…                                     celebrate, but drinking and driving should
  on flood preparedness:                                                                               never be part of the celebration. Always
                                                    n Keep hands and skin in good shape by
      • Know safe routes from your most               wearing gloves.                                  have a designated sober driver or call a
        traveled destinations                                                                          taxi.
                                                    n Bring a thermos to work with a warm
      • Ensure your flood insurance policy is         beverage or soup to keep your temperature      Bridget Miller is a free-
        up to date                                    up while working outside in cold weather.      lance writer and Human
      • Do not try to walk or drive across          WHILE DRIVING…                                   Resources expert who
        flooded areas. If your car stalls and                                                        house sits all over the
                                                    n Early morning frost or even ice is possible    globe. She submitted this
        you can abandon it, do so immedi-             in some areas; plan accordingly. Especially
        ately and seek higher ground.                                                                story from Hawaii, of all
                                                      if you’re going to be driving at night or      places!
n Have a safety kit available in your home            in the early morning, be aware that black                                     Bridget Miller
  or office in case of a flood or power               ice can form on the road, causing loss of
                                                      control of a vehicle in a hurry.
  outage. Safety kits might include: first aid
  kit, canned foods and can opener, radio,
                                                                                                      Safety Tips Wanted!
                                                    n Allow more distance on wet roadways
  drinking water, flashlight, extra batter-                                                           Do you have some safety tips that have
                                                      between you and other vehicles.
  ies for both the radio and flashlight, and                                                          made a difference for your company?
  blankets.                                         n You should also carry a car or truck safety     Send them to LCIS at the address
                                                      kit, which might include flares or emer-        below, ATTN: Editor, and they might
n Some holiday plants, such as poinsettias            gency triangles, etc. If it snows in your       appear as future Safety Tips of the
  and mistletoe, are actually poisonous. Take         area, also include abrasive material such
  care to ensure that these are not acciden-
                                                                                                      Month to share with your fellow CLCA
                                                      as sand, salt or non-clumping cat litter,       members.
  tally ingested, especially by children.             and a small shovel to free the vehicle if it
n Holiday decorations also present some               becomes stuck in snow or mud.
  risks, either from breaking or from being         n Fog can also be prevalent. The CHP offers
  swallowed by small children. As best you            these fog driving safety tips:
  can, keep kids and pets away from them.
                                                                                                     1835 N. Fine Ave., Fresno, CA 93727
                                                                                                     (559) 650-3555 ph / (559) 650-3558 fx
                                                                                                     Website: www.lcisinc.com
                       Consejos de Seguridad                                                                               días de fiesta 2010

                             Manteniendo la Seguridad en el Invierno
                                                   Por Bridget Miller, El Dorado Communications, Inc.



T
      ormentas de Nieve? ¿Lluvias heladas y          • Los adornos de navidad también presentan          riales abrasivos como arena, sal o piedritas
      granizo? ¿Semanas con temperaturas               algunos riesgos, ya sea en el caso de que         para gatos que no se aglutinen, y una pala
      bajo cero? Solo por el hecho de que              se quiebren o que sean ingeridos por niños        pequeña para liberar el vehículo si se queda
gran parte de California no presenta estos             pequeños. Lo mejor que usted puede hacer          atrapado en la nieve o barro.
extremos en las temperaturas que vemos                 es mantener fuera del alcance de estos a los
                                                                                                        • La niebla también puede aparecer a menu-
en las noticias no quiere decir que podemos            niños y mascotas.
                                                                                                          do. CHP ofrece estos consejos de seguridad:
ignorar los cambios de estaciones cuando se
trata de cuidar nuestra seguridad. Todavía                                                              • Maneje con las luces bajas encendidas. Las
hay muchos peligros de la temporada invernal                                                              luces altas se reflejan en la niebla, creando
que debemos tener en cuenta.                                                                              un efecto de “pared blanca.” Evite cruzar los
                                                                                                          carriles de tráfico.
Diciembre marca el principio del invierno,
pero también es tiempo de celebraciones                                                                 • Maneje con la ventanilla del conductor par-
y días feriados. Acabamos de empezar la                                                                   cialmente abierta. Escuche el tráfico.
temporada de más lluvia y de bajas pronun-
ciadas en la temperatura. Más lluvia puede                                                              • Si su carro esta deshabilitado o no puede
significar más peligro de inundaciones. Ésta                                                              continuar, muévase a la banquina lo más
combinación significa más riesgos para tener                                                              que pueda. Apague las luces y aléjese de su
en cuenta – tanto dentro como fuera del sito                                                              vehículo.
de trabajo.                                                                                             • Verifique las condiciones del camino
                                                     • Las velas son usadas frecuentemente en             a menudo llamando a Caltrans Road
CONSEJOS DE SEGURIDAD
                                                       estas celebraciones. Mantenga su casa u            Conditions Hotline al: 1-800-427-ROAD
PARA SU CASA U OFICINA
                                                       oficina segura manteniendo las velas fuera         (1-800-427-7623).
• Asegúrese de tomar precauciones en algu-             del alcance de los niños
  nos lugares de su casa y oficina, tales como                                                          • Prepare su carro para el invierno chequean-
  alfombras de goma en las áreas que pueden          • Hablando de los peligros de fuego, si usted        do los frenos, el desempañador, calentador,
  volverse resbaladizas cuando se mojan.               no chequeo las baterías de su detector de          escape, luces y llantas.
                                                       humo durante el cambio de hora, ahora es
• La Agencia Federal de Manejo de                      un buen tiempo para hacerlo.                     • Mantenga el tanque de combustible lleno,
  Emergencias (FEMA) también tiene algunos                                                                esto le dará libertad de acción para volverse
  buenos consejos sobre cómo prepararse en           MIENTRAS TRABAJA…                                    y buscar otro camino si encuentra malas
  inundaciones.                                      • Mantenga sus manos y su piel en buen               condiciones sin tener que preocuparse por
                                                       estado usando guantes.                             tener suficiente gas para llegar a casa.
     • Conozca las rutas seguras hacia los
       destinos que más viaja.                       • Lleve a su trabajo un termo con bebidas o        • Los días feriados nos dan un montón de
                                                       sopas tibias para mantener su temperatura          oportunidades para celebrar, pero beber y
     • Asegúrese que su póliza de seguro con-                                                             manejar nunca debería ser parte de la cele-
                                                       mientras está trabajando expuesto a bajas
       tra inundaciones esté al día.                                                                      bración. Siempre tenga un conductor sobrio
                                                       temperaturas.
     • No trate de caminar o conducir a través                                                            designado o llame a un taxi.
                                                     MIENTRAS MANEJA…
       de áreas inundadas. Si su auto se
       detiene, usted debe abandonarlo inme-         • Es posible encontrar escarcha o hielo por        Bridget Miller es una
       diatamente y busque un lugar alto.              la mañana temprano en algunas áreas;             escritora independiente
                                                       planifique en consecuencia. Sobre todo           cuya su casa se encuen-
• Mantenga un equipo de seguridad dis-                 si va a conducir por la noche o temprano         tra alrededor de todo el
  ponible en su casa u oficina para casos de           en la mañana, tenga en cuenta que puede          mundo. ¡Una experta en
  inundación o corte de suministro de energía.         formarse hielo en el camino, causando la         recursos humanos, ella
  El equipo de seguridad puede incluir: un bot-        pérdida del control del vehículo que va a        presentó esta historia
  iquín de primeros auxilios, comida enlatada          toda prisa.                                      desde Hawái!
  y abrelatas, un radio, agua potable, linterna,                                                                                       Bridget Miller
  baterías extras para la radio y la linterna, y     • Cuando la ruta esta mojada mantenga una
  colchas.                                             mayor distancia entre los otros vehículos y
                                                       el suyo.
• Algunas plantas como la Estrella Federal y
  el Muérdago son venenosas. Asegúrese que           • También deben llevar un equipo de seguri-
  estas plantas no sean ingeridas especial-            dad en su auto o camión, que pueda incluir       1835 N. Fine Ave., Fresno, CA 93727
  mente por niños.                                     bengalas o triángulos de emergencia, etc.
                                                                                                        (559) 650-3555 ph / (559) 650-3558 fx
                                                       Si nieva en su área, también incluya mate-
                                                                                                        Website: www.lcisinc.com

				
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