Grand Prize #2 Drawing – LIVE!

Congratulations to Ken Lierman!  

 

Ken has won the “Cell Phone Gift Pack” (worth over $500) and a donation in his name to his favorite charity – Animal Friends.  There is still time to catch a ride on the 2009 REFERRAL EXPRESS for your chance to win big and I mean “BIG Screen TV”… Are YOU next?

For more details, click here – 2009 Referral Express Flier

I-9 Guidelines for Your Business

Click this link http://bit.ly/2vUwZS  for helpful information to keep your business compliant and moving forward concerning I-9 guidelines. If we can help with any other HR needs, please contact any of our protection coaches today at 877.994.6787.

Plesae send your comments if this helps you.

We appreciate this opportunity to help you.

Colorado Minimum Wage to Fall Next Year

Did you Know that your SIA total protection team is licensed in 18 states across the US? Here’s an update on Colorado work comp. Please send us your comments today!

10/15/2009 – www.nrn.com/breakingNews.aspx?id=374456&menu_id=1368

According to Nation’s Restaurant News, “Colorado restaurateurs and other employers may reduce the pay of non-tipped minimum-wage employees by three pennies an hour and pay tipped workers four cents less beginning Jan. 1, according to the Colorado Department of Labor and Employment.”

“The wage reduction is based on a state constitutional amendment passed by voters in 2006 that calls for the minimum wage to be adjusted annually based on changes in the cost of living. Until now, inflation has pushed Colorado’s pay floor higher, but that is about to change. Colorado’s pending wage decrease is believed to be the first among the 10 states that have mechanisms to adjust minimum-wage rates annually based on inflation indexes. The other states with such mechanisms are Arizona, Florida, Missouri, Montana, Nevada, Ohio, Oregon, Vermont and Washington. According to a recent Colorado Department of Labor and Employment notice, beginning Jan. 1, the state’s minimum wage will decrease from $7.28 an hour to $7.24 for non-tipped employees and from $4.26 an hour to $4.22 for workers receiving gratuities. While most employers will have to at least meet the current federal minimum wage of $7.25 an hour for non-tipped workers, they may take the full four-cent reduction for employees who receive gratuities because the federal pay floor for individuals who receive tips, $2.13 an hour, is lower than Colorado’s rate.The Colorado reduction is based on a 0.6-pecent reduction in the Denver-Boulder-Greeley Consumer Price Index between the first half of 2008 and the first half of 2009.”

USE CHILD SAFETY BELTS PROPERLY TO KEEP KIDS SAFE

When I recently packed the grandkids into their vehicle to send them home, it reminded me of the most important thing you can do for your children is to make sure they are properly secured in their seat belts. Safe adult drivers begin as safe child passengers. Teach your kids safe habits before they learn unsafe ones from someone else.

The National Highway Safety Administration has created some important guidelines every parent should follow when securing their children in the car. As a general rule, children 12 and younger should always sit in the back seat where they are away from active air bags. Air bags are made for adults and the force of the deployment can injure a young child seriously.

Infants from birth to 20-22 pounds and at least one year old have special guidelines for safety. Adults should make sure to use a rear-facing infant seat or a rear-facing convertible seat when securing a child in the back seat. If you have a car that seats only two, the air bag should be deactivated before placing the child in the passenger seat. The harness straps should be snug and placed in the lower slots at or below shoulder level. The top of the harness clip should be at armpit level. And the child passenger restraint should be installed at no greater than a 45-degree angle.

The switch to a forward-facing car seat can be made for toddlers 20-40 pounds and older than one year of age. Again, secure harness straps snugly in the appropriate reinforced slots at or above shoulder level and fasten the harness clip at armpit level.

Once your child has exceeded 40 pounds, is between ages four and eight, and is up to 4’ 9” tall, they may use a booster seat. Secure the booster seat much the same way as the child seat. Using a lap and shoulder belt, make sure to place the shoulder strap over the shoulder of your child and across their chest. The shoulder strap should never go across the neck, face, or arm of your child. Place the lap belt low and snug on the hips — never over the stomach. If the shoulder or lap belt is in the wrong place during an accident, it could cause serious abdominal injury.

At eight years of age and 4’ 9” or taller, your child has graduated to an adult restraint system. As with the booster seat, use a lap and shoulder belt to secure your child, taking care not to have the belts cross the stomach, neck, or arms. Children should learn that they cannot place the shoulder belt behind their back or under their arms, as this defeats the purpose of being restrained.

For general information on the proper use of child restraint devices, always consult the instructions that come with your child safety seat, as well as the information provided by your vehicle’s owner’s manual.

The 2009 Flu & You-Top 10 Things You Need To Know!

There is so much information available about the flu and you. I just recieved the following from one of our trusted sources.  Please check the attached link for fast, instant safety tips you can use today to keep your family safe:

The Flu & You – Pandemic 2009 H1N1 Influenza

Please, take a few minutes to review and remain well.  Please comment and let us know of any experiences that are not mentioned in the article or anything that might be helpful for others.

Halloween Safety Tips for Kids-Keep Them Safe!

Anytime a child has an accident, it’s tragic. The last thing that you want to happen is for your child to be hurt on a holiday, it would forever live in the minds of the child and the family.

 There are many ways to keep your child safe at Halloween, when they are more prone to accidents and injuries. The excitement of children and adults at this time of year sometimes makes them forget to be careful. Simple common sense can do a lot to stop any tragedies from happening.

  • Help your child pick out or make a costume that will be safe. Make it fire proof, the eye holes should be large enough for good peripheral vision.
  • If you set jack-o-lanterns on your porch with candles in them, make sure that they are far enough out of the way so that kids costumes won’t accidentally be set on fire.
  • Make sure that if your child is carrying a prop, such as a scythe, butcher knife or a pitchfork, that the tips are smooth and flexible enough to not cause injury if fallen on.
  • Kids always want to help with the pumpkin carving. Small children shouldn’t be allowed to use a sharp knife to cut the top or the face. There are many kits available that come with tiny saws that work better then knives and are safer, although you can be cut by them as well. It’s best to let the kids clean out the pumpkin and draw a face on it, which you can carve for them.
  • Treating your kids to a spooky Halloween dinner will make them less likely to eat the candy they collect before you have a chance to check it for them.
  • Teaching your kids basic everyday safety such as not getting into cars or talking to strangers, watching both ways before crossing streets and crossing when the lights tell you to, will help make them safer when they are out Trick or Treating.

Make Halloween a fun, safe and happy time for your kids and they’ll carry on the tradition that you taught them to their own families some day!

Insurance Follows The Vehicle First?

In the last 23 years I’ve heard over and over again from customers and consumers the following phrase “I’m covered driving any vehicle”.

In some cases this is true and some cases it’s not, but here is the reality. In most states, and definitely in California, insurance follows the vehicle first and here’s what I mean. A registered owner of a vehicle is fully responsible for protecting their own assets and anything that happens with the vehicle in which they own. They are responsible for paying any damages that result from the operation of that vehicle, whether you’re driving it or you allow somebody else to drive it. It’s solely your responsibility to make sure that other people(general public) are protected in the event of injury or property damage involving any vehicle you own. Now, if you have assets it’s also your responsibility to make sure that you have proper insurance limits to fully protect any assets that you may have to lose. In today’s society, attorneys do not stop after your insurance policy limits are exhausted. If there are damages to substantiate that another person needs more money as a result of a claim against you, they don’t hesitate to go after personal assets and future earnings. Again, it’s our responsibility as consumers to properly protect anybody that maybe damaged by the operation of your vehicle.

Now, are you covered driving somebody else’s vehicle? Secondarily speaking from a liability standpoint (remember insurance follows the vehicle first), most car insurance policies follow a driver while they are operating another vehicle for personal use only. So, what is personal use? Well, in its simplest form personal use is non-business use. In other words, you’re not using a vehicle for any business purpose. So, what is business use? That would include things like delivering pizza, delivering documents for an employer, picking up construction materials and transporting them from site A to site B, and similar matters. The best thing you can ever do to properly protect yourself and others is to keep in constant contact with your insurance provider.

If we can ever answer any questions about any insurance matter, please don’t hesitate to contact one of our protection coaches. It’s a free call: 877-994-6787. Rest easy at night and live in peace.

Mike Stromsoe, on behalf of the Stromsoe Insurance Agency Total Protection Team.

Welcome and Thank You

Each day brings new opportunity to make a difference in the lives of others. It is our desire to truly help each person(s) we connect with, even if it means telling them they are better off with their current insurance program. Our core belief is “One receives what you give”. For these chances to touch the lives of others, we thank you.

Welcome to our exclusive, new blog. Why 411SIA? We want to bring you cutting edge information( the 411), 411 is short, therefore easy to type and remember. SIA are the initials of Stromsoe Insurance Agency. Hence www.411sia.com

Please bookmark www.411sia.com and visit us often. Our team will likely post mutiple times weekly to bring you information you need to know to properly protect everything you work so hard to earn.

Questions? Here’s are 3 easy ways to reach us:

Free call – 877.994.6787
Fax 951.677.6265
www.siaonline.com/contact.asp