May 2018
Presidents Message
The young lady that cuts my hair looked tired. She goes to school at College of the Sequoias in the morning, then heads to the shop to cut hair until the early evening. Once she gets home she studies until bedtime.
This schedule repeats itself throughout her week. 
While she cut my hair this week I lamented her plight.
"Oh, I have another lady in my classes that has four kids," she said. "Now that's really hard. I don't know how she does it. Some people have it so much harder."
I shook my head and said something like "I don't know you do it."
The scissors in her hand stopped and her hands went to her side.
"Hope," she said. "Hope is what keeps us going."
This spring our firm will continue its efforts to "keep hope alive" for some graduating high school seniors in Tulare County.
Annually, Buckman-Mitchell provides a $500 scholarship to a graduating senior at every high school in Tulare County. Representatives from each school select the recipient and Buckman-Mitchell presents that individual with a check.
It is a small token of our appreciation of the efforts of our youth and the education community that has supported them. The dollar value certainly isn't going to pay for the student's education. We only hope it helps create an opportunity for a young person. An opportunity to hope.
Brent Swanson
President / Chief Operating Officer
TOPBMI News & Updates

We love to support our community! Below are some events BMI has sponsored in May:
  • May 5, 2018- Food Link- Kentucky Derby Party
  • May 5, 2018- Foundation for Sanger Schools- 2nd Annual Golf Tournament
  • May 11, 2018- CASA of Tulare County 24th Annual Once Upon a Dream Dinner and Auction
  • May 12, 2018- Sixth Annual ImagineU Gala
  • May 18, 2018- Happy Trails Riding Academy
  • May 24, 2018- Young Professionals Network Spring Mixer


BMI Upcoming Events:


Cars & Coffee Event on Saturday, June 23, 2018 from 8A.M. to 11A.M.


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In This Issue

Property & Casualty Trends

Admitted vs. Non-Admitted Carriers
There are times when the coverage you need is available exclusively from a non-admitted carrier. That being said, it is important to understand the difference between admitted and non-admitted carriers, as well as the advantages and disadvantages of each. [...]

Life & Health Insurance Updates  
The Importance of Disability & Life Insurance home_finances_egg.jpg

If you have a goose who lays a golden egg every day and you are given a choice between insuring the goose or insuring the eggs, which would you insure?

I'm sure your answer would be the goose, because the goose is the one responsible for providing the golden eggs. Unfortunately, most people insure and show more concern for the eggs. In other words, people insure their cars, homes, TVs and other valuable toys and fail to insure themselves.

You are the Golden Goose for your family because you supply the golden eggs; the MONEY. The most important insurance protects the family in case the goose dies or becomes disabled. Same rings true for your business. If you aren't protecting your geese, your business can be at financial risk.
May is Disability Insurance Awareness Month. It's a great time to evaluate your personal and professional protection in the event of a disability or death. Contact our office if you would like a consultation with a licensed insurance professional.
Key- Person Insurance
Most organizations employ at least one individual who is essential to the company's success. This person may be a partner, owner, majority stockholder or another individual who is crucial to the business. If this person unexpectedly leaves the organization--due to a death, disability or immediate resignation--it may be hard for the organization to survive. [...]


Read more


Business Needs Analysis Checklist
Human Resource News
Is Your Supervisor Getting You in Trouble? 
Regularly train your managers about state employment laws and your dairy's policies to avoid discrimination and unlawful termination lawsuits. 


Many employers spend thousands of dollars and hundreds of hours trying to meet state and federal mandates on labor law compliance posters, employee policies, training, mandatory forms and professional certifications each year. Yet that may not be enough. [...]


Please click here to continue reading the article.

Visit for more helpful information.
Loss Control Bulletin
Workplace Violence: Ideas on Handling Terminations
Many reported workplace violence incidents start with terminations. Not all individuals distraught about job termination or layoff become violent; however, firings are the cause of most of the rampage attacks that occur in the workplace. To help mitigate the likelihood of a workplace violence tragedy, consider the following measures: [...]
Please click here to continue reading the article.
Visit for more helpful information. 
A Word from the Worker's Comp Department
Preventing Heat Illness      

In hot and humid weather, sometimes your body's natural cooling system isn't enough. Heat cramps, heat exhaustion and heat stroke pose a very real threat to outdoor workers. Follow these simple steps to keep yourself cool and safe [...]

NEW OSHA Reporting Requirement!

On April 30, 2018, the Occupational Safety and Health Administration (OSHA) announced it will require all establishments affected by the electronic reporting rule to submit their 2017 data to OSHA by July 1, 2018.

This announcement clarifies the requirement for establishments in states with an OSHA-approved plan. These establishments must submit electronic reports, regardless of whether the state has ratified or incorporated the electronic reporting rule into its OSHA state plan. [...]


Safety Matters: Avoid Heat Illness
Heat illness can be a serious threat. Your best defense is to learn how to stay cool when the weather heats up. [...]

For additional information: English Version  & Spanish Version
Safety Series: Heat Illness Prevention

Heat Illness Prevention is on Cal/ OSHA's radar again this year. Learn what you need to do to prepare your employees for working in the heat. [...]

Date/Time: Tuesday, May 22, 2018 at 9:30 A.M.- 11:00A.M.
Location: Buckman-Mitchell, Inc. 500 N. Santa Fe Visalia, CA 93292

Click here for event registration form
If you have any questions, please email the Workers' Compensation Team at

Claims Department Article

trucks_cars_traffic.jpgTotal Loss
Has your car suffered damage so extensive that the cost to repair it would exceed what's it's actually worth now? If so, your car insurance company might label it a "total loss."

What does Total Loss Mean?
Car insurance companies label a vehicle a "total loss" when the cost to repair the vehicle to its pre-damaged state exceeds the cost of the vehicle's worth, or actual cash value.
Determining whether a vehicle is a total loss depends on several factors such as: [...]


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Personal Lines Note  speedboat-fun-group.jpg

Boat Safety Tips

Buckman-Mitchell, Inc. advises boaters to take necessary precautions to be safe during the summer season, the time of year when boat accident claims increase in frequency, according to an analysis of claims incidence at Travelers, a leading provider of boat and yacht insurance.

Buckman-Mitchell recommends the following boat safety tips: [...]
May's Spotlight is on Ruth Bly

Department and position:  Personal Lines, Account Manager/ Agent
When did you join the BMI team? In 2013 when BMI purchased the Don Sharp Insurance Agency
What is the best part about working at Buckman Mitchell, Inc.? The everyday challenges, problem solving and most importantly being able to help clients with their individual insurance needs.
What is your favorite thing to do in your free time?
I am an outdoors person, so fishing, camping, hiking and riding my off road vehicle are at the top of my list.

You may reach Ruth at (559) 635-3549 or