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Emergency Preparednes

As coronavirus continues to impact our community, there are a lot of unknowns and uncertainties. It’s easy to feel overwhelmed, fearful, and discouraged.

We want you to know you’re not alone. The entire McClain Insurance team is here for you and thinking about you during this difficult time. Over the past 43 years in business, our office has experienced five major recessions (and a Y2K scare!). Rest assured we’ll weather this storm together, too.

Our team has been busy fielding questions about how COVID-19 is impacting insurance policies across the Pacific Northwest. Below are some of the most common questions we’re receiving.

We last updated this post on Sept. 1, 2020, and we’ll continue to update it as the crisis unfolds.

How does working from home affect my insurance?

With many people still working remotely due to COVID, clients have asked us whether working from home impacts their insurance. Here are 5 important questions to ask:

  1. Do you have business equipment, supplies or inventory at your home? First, check with your employer to see if they provide coverage for business property at your home. In most cases, this coverage should be enough for any equipment or supplies you’ve brought home. Your homeowners policy also provides some coverage for business equipment like computers, desks, phones and tools, which should be adequate for most of our clients. However, if you have high-value equipment or inventory, contact us to see if you need to add coverage on your homeowners policy.
  2. Do you have regular business-related deliveries or visitors to your home? While your employer may provide limited coverage for business property at your home, they generally do not provide liability coverage for business activities at your house. If you have regular business-related deliveries or employees or customers coming to your home, give us a call to discuss whether you need additional coverage.
  3. Are you working in a detached structure on your property? Your homeowners policy typically covers hobby-related equipment and supplies stored in a detached structure, but it’s not designed to cover the risk that can come with businesses. If you’re using your detached garage, shed or outbuilding for business purposes, let us know.
  4. Are you self-employed? This is an important distinction for insurance providers. If you’ve got an in-home business or a hobby that’s turned into a side gig, we recommend a home-based business policy to make sure you’re properly covered.
  5. Are you driving less? In some cases, working from home may actually reduce your insurance rates! If you’ve gone from commuting to Seattle to commuting to your basement office, send us a text or email. We’ll update your auto policy and you may qualify for a low-mileage discount.
McClain Insurance Services is here for you!

The U.S. coronavirus pandemic started in the Seattle area. That’s why on March 12, 2020, our Everett, Washington-based office implemented a work-from-home policy to help keep our team healthy and do our part to prevent the virus’s expansion.

With the exception of walk-in visits, it’s business as usual at McClain Insurance. We are available to you by phone, text, or email, and through our website:

  • Phone: (425) 379-9200
  • Text: (425) 379-9200
  • Email:

Our entire team is monitoring phone calls, text messages, and emails during our normal business hours of Monday through Friday, 8:30 a.m. to 5 p.m.

Please contact us for claims, changes to your policy, questions about your bill. We’re also accepting new business.

The COVID-19 situation is changing rapidly.  We’ll continue to follow local, state, and federal government recommendations to help keep our community safe.

My hours were cut, and now I can’t afford my insurance payments. What can I do?

First, we’re so sorry you’re experiencing financial hardship. You’re not alone – many of our clients are being affected by the spread of coronavirus.

We’re proud of the resources and support our insurance company partners are offering to policyholders. All proactively issued formal statements offering payment leniency, waived late fees, and other support for policyholders experiencing financial hardship due to COVID-19.

In addition, on March 25, 2020, Washington State Insurance Commissioner Mike Kreidler issued Emergency Order No. 20-03,  which applies to all insurers authorized or admitted to transact property and casualty insurance business in the state of Washington.

Commissioner Kreidler’s order states:

A. Between March 25, 2020, and May 9, 2020, all Regulated Entities transacting any property and casualty insurance business shall provide grace periods for nonpayment of premium and shall waive otherwise applicable charges and fees associated with nonpayment of premium, such as late fees and reinstatement fees.

B. Between March 25, 2020, and May 9, 2020, no property and casualty insurer shall cancel a policy issued for nonpayment of premium, unless specifically directed to do so by the insured.

If your employment or income has been impacted, please call or text us at (425) 379-9200. We are on your side, and we are here to help.

Does my life insurance policy cover death from COVID-19?

Life insurance offers financial protection to your loved ones in the event you die unexpectedly, so it’s no surprise many people are asking, “Does my life insurance policy cover death from COVID-19?”

Yes, the insurance companies we work with do not exclude coverage for death from COVID-19 or similar pandemics. At this time, all of our life insurance companies are also continuing to write new policies. As long as you honestly answer the questions on your life insurance application,  you have little reason to be concerned about whether or not a claim related to COVID-19 would be paid.

I lost my job due to coronavirus and want to drive for Uber Eats to make ends meet. Do I need to tell my insurance company?
The coronavirus pandemic has already started to hit American pocketbooks, with nearly 1 in 5 households experiencing a layoff or a reduction in work hours, according to a poll by NPR. Employees of the restaurant, bar, hotel, and airline industries are among the hardest hit. The Seattle Times says 50 Seattle restaurants announced temporary or permanent closures in the first two weeks of March alone.

As a result, many laid-off employees are turning to delivery services like Uber Eats, DoorDash, Grubhub, and Postmates to replace lost income. This begs the question: If you start driving for a food delivery service, should you tell your insurance company?

Yes. Standard personal insurance policies exclude coverage for the delivery of food, people, and goods. This means if you get into an accident while performing these duties, you have no insurance coverage for the resulting damages and/or injuries. Luckily, many of our insurance companies can add an endorsement to your policy to cover food delivery for a small additional fee.

Progressive Insurance has taken a leadership position in providing temporary coverage for food deliveries, as has PEMCO Insurance. Please contact us for information about this temporary coverage and its restrictions.

What is the insurance industry doing in response to COVID-19?

All of our insurance company partners have the well-being of their customers, their independent agents, and their employees in mind. Most have enabled 100% of their employees to work remotely. Currently, there is no impact to normal customer service operations.

I own a small business. Does my business owners policy cover business interruption or loss of income while my business is closed?

McClain Insurance specializes in family insurance protection, including auto, home, boat, and earthquake insurance.

That said, we can tell you that according to the insurance industry publication National Underwriter, “Experts believe it will come down to what the insurance policy says and how it is interpreted.” Our recommendation: if you own a small business that has been negatively impacted by coronavirus, contact your independent insurance agent for guidance. They should be able to walk you through what your policy does and does not cover.

Can I get coverage for a canceled wedding?

At this time, insurance companies are no longer writing special events or wedding insurance policies that include cancellation or postponement coverage and lost deposit coverage as a result of COVID-19.

If you purchased a policy prior to the pandemic, please contact us for assistance.


McClain Insurance Response to COVID-19

Committed to serving you while keeping our "social distance"

mcclain insurance agency everett wa coronavirus

Clients and friends of McClain Insurance,

On March 12, many of us heard Governor Jay Inslee’s announcement of community strategies and social distancing plans to minimize COVID-19 exposure, particularly in counties it hardest by the virus. This includes Snohomish County, where our office is located.

In his emergency proclamation, Governor Inslee strongly recommended employers should maximize teleworking options. City of Everett Mayor Cassie Franklin also called up local employers to encourage teleworking for all staff for whom it is feasible to do so.

Based on these recommendations, all McClain Insurance team members will work from home as coronavirus continues to impact Western Washington. Nothing is more important than the health and safety of our team, their families, and the clients and community who support our agency.

We are also canceling all work travel to insurance industry conferences and events for the foreseeable future.

Although our physical office may be closed, our team is committed to serving the clients and community members who count on us with the same level of care you’ve come to expect.

If you haven’t already, we encourage you to put our phone number in your cell phone contacts: (425) 379-9200. Please call or text us anytime you have a question about your insurance protection, need assistance with a policy change, or experience a claim. We are here to help.

Our entire team is monitoring phone calls, text messages, and emails during our normal business hours of Monday through Friday, 8:30 a.m. to 5:00 p.m. It is our expectation that when a client calls they will speak with a live person on our team, text messages are responded to within five minutes, and emails are responded to within two hours.

How to Contact Us 

Here is a full list of the ways you can communicate with our team during the coronavirus pandemic:

  • Call our office phone number at (425) 379-9200
  • Text our office phone number at (425) 379-9200
  • Email an agent directly, or email our team at
  • Schedule a phone appointment on our calendars via our online scheduling tool
  • Send a secure message through our website

Please be aware we are temporarily stopping all scheduled in-person and walk-in appointments.

Thank you for your understanding and flexibility during this unprecedented time. We appreciate your support of our local, independent business!

Our Emergency Response Plan

Thankfully, McClain Insurance has a comprehensive and constantly-evolving emergency response plan. As professional insurance agents and advocates, we have an obligation to be there for our clients when they need us most. We take this responsibility very seriously.

We first tested our emergency response plan during Snowmageddon 2019, an unprecedented winter storm that delivered more than 25” of snow in many areas of Western Washington.

After the snow melted, we reevaluated our disaster plan. To make it easier for agents to work remotely, we invested in a VoIP phone system that uses the internet, rather than a regular landline or mobile network, to make phone calls. This technology allows our team to answer calls to our office anywhere in the world, providing the same experience to our clients no matter where our team members are located.

In addition, we assembled a portable technology emergency kit for each team member to keep at home. If a disaster strikes outside business hours, this will allow every team member to efficiently service our clients from home or wherever they may evacuate to.

After adding these enhancements, we also practiced our plan by allowing team members to work remotely as they would in an emergency situation. Not only did these trial runs help us further refine our emergency response plans, but it ensured every team member was comfortable using our remote technologies.

What You Can Expect From Us

Currently, all McClain Insurance team members are telecommuting to ensure the safety of themselves, their families, and our community. The COVID-19 crisis is rapidly evolving, and we will continue to monitor our response in the days and weeks ahead.

Although our physical office may be closed, our team is committed to serving the clients and community members who count on us.

We plan to keep our normal business hours of Monday through Friday, 8:30 a.m. to 5:00 p.m.

Should You Experience a Claim

If you experience a claim during the global coronavirus pandemic, we are here to help.

Our team will do our best to advise you on next steps, and we will connect you to the proper claims department so your family can be taken care of promptly.

What You Can Do to Prepare

Our goal is to help keep our team, clients, and community healthy and ensure we’re doing as much as possible to manage and minimize the spread of COVID-19. We hope you and your family stay well throughout this crisis.

We understand and share the fear many of you face. It’s difficult to cope with the uncertainty of school closures, changes in work situations, and social distancing.

Disasters like coronavirus don’t plan ahead, but you can. We’re using this emergency as a reminder to evaluate our family’s disaster preparedness plans and emergency kits.

Every family should have a thought-out emergency plan that takes into account all types of disasters, including situations like the current coronavirus pandemic. This weekend, we encourage you to spend an hour with your family evaluating and updating your emergency plan.

If you don’t have a disaster preparedness plan, now is the time to make one.

Next, work on building your home emergency kit. Your home emergency kit should take into account all the essentials – food, water, shelter, warmth, and safety – you need to shelter in place during and after a disaster.

The Washington State Emergency Management Division recommends stocking enough resources to survive on your own for two weeks. Be sure to take into account the special needs of your household, including children and pets.

For a complete list of emergency preparedness resources from McClain Insurance, click here. 

Planning Ahead for the Next Northwest Disaster

National Preparedness Month Tips from the McClain Insurance Team

McClain Insurance Washington emergency go bag

McClain Insurance team member Mary Fisher is serious about disaster preparedness. Her “go bag” is packed with emergency supplies so she’s ready at a moment’s notice. 

From Cinema Under the Stars to Mutt Strut, it’s been a fun-filled summer for the McClain Insurance team. Now the back-to-school season is upon us, which often seems to translate into renewed inspiration to prepare, plan, and organize.

September is National Preparedness Month, and as your insurance agents, we’d be remiss not to remind you that every family should have an emergency kit and disaster preparedness plan. Emergencies tend to hit at the least convenient times and hit the hardest when we aren’t prepared. We often talk about the Pacific Northwest’s risks of earthquakes and floods, but it’s also important to prepare for these types of disasters:

McClain Insurance Everett Emergency Preparedness kit

Mary’s “go bag” is filled with all the supplies she needs to stay safe after a natural disaster.

Windstorms & Power Outages. Every fall, we receive questions about windstorm damage and power outages. In general, if a tree falls on your home, your homeowners policy will respond. That means if you have concerns about trees surrounding your property, now is the time to address them. It’s also a good idea to update your emergency kit and test the batteries in your flashlights. Last fall, agent Ashley Abrams lost power for three days!

Water Damage. Do you know how to shut the water off to your house? Last month, a longtime client had hundreds of gallons of water flood his kitchen after a water valve on his kitchen sink unexpectedly burst. We can’t emphasize enough: Everyone in your home should know how to shut off the water to your home. And as leaves start to fall, make sure they don’t block storm drains. For insurance purposes, water backup from blocked drains is considered flooding and is not covered by your home insurance policy.

House Fires. Sadly, after more than 40 years in the business, our office has seen its share of house fires. Heating sources are the leading cause of fires, so as temperatures start to drop be sure to keep flammable items away from baseboard heaters, space heaters, fireplaces, and other heat sources. Always blow out candles before you leave the room or go to sleep. And, don’t forget to test your smoke and carbon monoxide detectors monthly and replace the batteries twice a year.

To join our 30-day National Preparedness Month Challenge, visit 

P.S.—Don’t forget to mark your calendars for the Great Washington ShakeOut, the state’s annual earthquake drill, on October 18th. Visit our Facebook page for more information on how you can participate!

McClain Insurance is located at 10410 19th Ave SE, Everett. We can be reached at (425) 379-9200 or

Residents of Washington and other earthquake-prone regions worldwide are gearing up to celebrate the GREAT SHAKE OUT on October 17th, 2013.

Everybody is encouraged to participate in this international earthquake drill, practicing safety measures such as DROP, COVER and HOLD ON.


This drill is especially important for Pacific Northwesterners, where earthquake awareness is only slow to take hold:  While Californians have known for centuries that they live on ‘shaky grounds’ and have adapted accordingly in their daily lives – from school drills to emergency preparedness kits – Washingtonians have lived in the illusion that the ground they’re standing on is safe.

This false presumption goes largely back to an early professor of geology, who surveyed the Puget Sound area in 1920 and deemed it safe:  “Seattle […] has a shock absorber which makes the city immune for all time.”

Ooops.  Not so much.  However, it took another 60 years before scientists grasped the full extent of seismic activity in Washington, and promptly made the Northwest the epicenter of earthquake research worldwide.

This should give us a hint.  Washington State is the earthquake hot spot, and the next “Big One” is not only ‘out there’, but it’s also long overdue.

For more information on how to prepare, be safe and protect your assets, please visit our Earthquake Safety Page at “Living Proactively:”



or request an Earthquake Insurance Quote here.

Please be safe.  We’re here to help!



About McClain Insurance    –

McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency has represented quality insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.

Independent agents work with you to customize an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: Auto, Home, Renters, Life, Umbrella, Earthquake, Flood, Boat, Motorcycle and RV Insurance.

McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County and the BBB. They are also Charter Members of NSACE – National Society of Agents for Consumer Education.

Knowing who to call in case of an emergency – Tips for communication in case of emergency in Washington

Today, we’d like to share one of our favorite authors’ tips for quick communication in an emergency.  Whether you are struck by a natural catastrophe such as an earthquake in Washington State, storm or fire, or you are affected by a terrible attack such as the recent bombing in Boston, it is crucial to get in touch with loved ones.  Whether it is to make sure they are OK, or to let them know that you are OK, sometimes that one message can be the hard to get to go through.

Steve Anderson gathered a few very helpful tips for quick and easy communication in an emergency, when networks are overloaded, cell towers overwhelmed, and landlines jammed.  (Be sure to visit his website and sign up for his weekly newsletter, Steve Anderson Tech Tips.)

Finding People in An Emergency

Guest Post by Industry Expert, Steve Anderson

As a part of the insurance industry, there is one thing we know for sure – there will be another disaster – it could be another hurricane, a tornado, a bad winter storm, or a bomb explosion. As I write this the news coming out of Boston is horrific and sad.

Whether these disasters strike without warning or you have several days to plan – finding out if friends, family, and co-workers are OK is a top priority.

Unfortunately, getting in touch isn’t always easy: Cell towers can be overwhelmed with the sudden increase in traffic and land lines can be jammed with the massive amount of calls flowing in and out of an affected area. In a natural disaster the cell towers could be damaged and out of commission.

Following are some tips for getting in touch. This is by no means a complete list. If you have additional tips, please share them in the comments.

  • Don’t make a phone call. Leave the lines open for emergency personnel.
  • Use Text. Text messages use less bandwidth and the smaller data packets can often get through much faster than voice. There are lots of stories of text working after Sandy when phone calls didn’t. Make sure you have the mobile phone numbers of friends, family, and staff in an easily accessible contact list.
  • Use Smartphone Apps. Cellular networks and phone lines are generally limited to only one communication method whereas apps like GroupMe, Twitter, or Facebook allow you to leave messages in several different ways.

If you’re the person someone is trying to reach then:

  • Find a hardwired data connection if at all possible. If you’re in an affected area, a cable Internet connection might be your best bet; because of the generally faster connection speeds they are able to handle larger surges of traffic, and have a decent track record of withstanding worst-case scenarios.
  • Tell us you are OK! Use email and/or all of your social platforms. Update your Facebook status, tweet your condition and whereabouts. Whether you’re totally fine or in desperate need of help, let your on-line world know and let the Internet work for you. You’d be surprised how many people are worried.
  • Update your voicemail message. If you can make only one call, make it to your voicemail. Change your outgoing message so when others try to call you and it goes straight to voicemail, they can get an update on your current status.

Additional tips

Make sure you have access to power. Any mobile device will be useless without power to recharge. Here are some tips on extending the battery life of your devices:

  • Use a battery case for your smartphone.
  • Turn off unnecessary connections. If you can’t make phone calls then put your phone on airplane mode to turn off cellular, Wi-Fi, and Bluetooth connections. This will help conserve extra battery power.
  • Also, be sure to keep your emergency contact list up to date.

If something does happen and a loved one is injured or killed, authorities, your employer, or organization officials should be able to get in touch with a trusted friend or family member of yours.

I have recommended for some time that you store an emergency contact in your phone and label it as ICE, which stands for In Case of Emergency, so authorities can quickly know who to reach out to if you’re unable to use your phone.

For more helpful industry-related tips and information, be sure to visit!


Clients of McClain Insurance Services also benefit from our value-added Emergency Contact service.  For more information and to sign up, call one of our helpful agents today at 425-379-9200.

About McClain Insurance Services:

McClain Insurance Services is an independent insurance agency located in Everett, WA. The agency has represented a number of regional and national insurance companies (including PEMCO, Safeco, Travelers and Progressive) since 1977.  McClain Insurance Services offers great insurance options to customers in Snohomish County and Washington.  Between our convenient full-service website and our team of licensed, professional brokers make insurance shopping personal, easy, quick and hassle-free.

Independent agents work with you to customize an insurance plan that meets your needs and fits your budget. They can help with all your personal insurance needs: AutoHomeRenters, Life, Umbrella, Earthquake, Flood, Boat, Motorcycle and RV Insurance.

McClain Insurance Services is a Trusted Choice agency and a member of the Independent Agents Association of America, the Economic Alliance of Snohomish County, and the BBB. They are also Charter Members of NSACE – National Society of Agents for Consumer Education.

Autumn Greetings!

As the weather turns wetter and more blustery by the day here in the Pacific Northwest, our hearts go out to the residents on the East Coast who anticipate Super Storm Sandy (aptly titled the “Frankenstorm” in time for Halloween.)

In our staff meeting on Friday morning, our team discussed the consequences of this threatening weather-related catastrophe, hoping that friends and family members in the Northeast will survive the storm unscathed.   In addition, this weekend’s 7.7 magnitude earthquake off the coast of British Columbia reminded us that our region is also always at risk of damage from major natural disasters.

So, whether it is winter weather or a natural catastrophe, it’s never too early to be prepared.

Here are few helpful links to our Blog where you can find tips to be ready for the curveballs that Mother Nature may throw at you over the next few months:

Windstorm Coverage: What if a Tree falls on my house? Find the answers to this and other insurance questions here.

6 Ways To Be Ready in Case Disaster Strikes:  Gather some helpful and easy-to-do tips from our blog, and you’ll be confident that your family will be able to make it safely through a few days without heat, water, or electricity.

– 5 Things To Do Before an Earthquake Strikes
  Practice the “Drop, Cover and Hold On” drill with your family.  And while you’re at it, why not make a game out of it and practice fire drills as well?  And, if you are interested, please give us a call about Earthquake Insurance. Most homeowners insurance companies have excluded earthquake from their basic home insurance package, potentially leaving you with serious gaps in case a quake strikes.

Flood Insurance – Did you know that the risk for a home to be destroyed in a fire is 10%, but the risk for the same home to be destroyed in a flood is 26%?  The home doesn’t need to be located in a flood zone to be at risk!  There is a 30-day waiting period on flood insurance, so look into it now, before the rain really starts.

Please don’t hesitate to give us a call if you have any questions about your insurance.  We’re here to help!

We’ve all heard the 3 steps of emergency preparedness: Make a Plan, Build A Kit, Get Involved.  But admittedly, it can be hard to translate what we know in our minds, into “real life” practice.  Life just gets busy, emergency water containers get used up, the stash of granola bars runs low… and more life happens before supplies can get refilled.

An emergency has a tendency to hit at the least convenient moment, and hit the hardest when we aren’t prepared.  We like to wane ourselves in safety, and feel that it surely won’t hit us. And even if, surely our family would be united and able to hunker down like on a big adventurous camping trip.

A recent shooting in a local small town grocery store, however, showed how fragile life can be: One of our team members received news of the shooting at exactly the time when she knew her significant other would likely be at the store.  Thankfully, a quick phone call relieved her fears: He hadn’t arrived at the store until after the shooting, and left immediately upon seeing the commotion.

But the experience gave her a small insight to the gravity of a large-scale emergency. At this time, in the small town, the tragedy was contained to a city block, roads were open, and cell phone networks stable enough to place a call.

A region-wide emergency, such as an earthquake, however, would likely trigger a different scenario:  Cell networks would collapse, roads might be destroyed, schools in lock-down, and authorities directing and evacuating residents.  Family members may be in various areas of town, at school, friends, or dozens of miles away at work.

Here are some helpful websites to guide you in Making a Plan, Building a Kit and Getting Involved for your, your family’s and your community’s safety:

American Red Cross – Plan & Prepare:

   Prepare.  Plan.  Stay Informed.  —

Are You Ready for Winter Weather?  —

WA State Military Emergency Management Division  —



Whether you are planning on traveling over the hills and through the woods this winter, or just down the highway, please don’t forget to get your car and equipment winter-ready!  Snow storms can hit fast – and whether you have a break-down, an accident, or are simply stuck in traffic, sometimes it’s just that granola bar, pair of gloves, or merely the feeling of being prepared, that can change a situation from ‘disastrous’ to ‘manageable’.

Build an Emergency Kit

Your basic car emergency kit should include the following items:

1. Water and food (crackers, granola bars or trail mix)
2. Flashlight and batteries
3. First aid kit
4. Boots, hat, gloves and rain poncho
5. Blanket
6. Basic tool kit and spare tire
7. Paper, pen, insurance card, cell phone charger, list of important phone numbers car manual
8. Plastic garbage bags, paper towels

Don’t forget to adapt the kit for your family’s particular needs, such as including a small supply of emergency medicine, a supply of formula or diapers, or some pet food.  It may be a good idea to carry an “everyday” emergency kit with the essentials, and to expand supplies to cover your family if you set out on a longer road trip.

Know Your Insurance Coverage: Rental Reimbursement Coverage

Having basic supplies in your car in case of emergency is one way to be prepared.  Another is to make the necessary arrangements that help you manage through an emergency situation financially.  This is where a good car insurance policy comes into play.

Having insurance is one thing.  Knowing that you are protected with ‘little’ coverages that aren’t often mentioned, such as PIP (Personal Injury Protection), Towing, or Rental Reimbursement, is a different story.  An independent insurance agent can help you put together a protection plan that keeps you covered.

For example, Rental Reimbursement Coverage pays for a rental car if your car is out of commission due to a covered insurance claim.  What might be a quick fix by a body shop any other time of year, could become a long-term wait if repairs are backed up after a Puget Sound storm. (One of our agents waited over 3 weeks for minor body work to be completed several winters ago.)  Unless you have more cars than drivers in your home, the cost per car will seem minor compared to the hassle if you have a claim.

This winter, stay safe and mobile with both a pro-active insurance policy and a hands-on emergency kit.

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