The Economic Climate is Not The ONLY Great Unknown in 2010

The latest stats about your potential risk in the event you are sued in 2010, unfortunately, are not in your favor.

Proper insurance not only indemnifies you, it defends you too.

The Facts >>>>>>>>>  http://bit.ly/d3OCbS

Here’s 4 easy ways to reach us if you have any questions:

1. Phone 877.994.6787

2. Fax 951.677.6265

3. Email – insure@SIAonline.com

4. www.SIAonline.com

Employee Substance Abuse & The Affect On Your Company’s Bottom Line

More than ever, some of your team may need you help. Here’s some info to consider:

Employees with substance abuse problems cost businesses billions of dollars each year. According to the 2008 National Survey on Drug Use and Health, among the 17.8 million Americans aged 18 or older who admitted to illicit drug use, nearly 73% were employed. This equates to 12.9 million employees who admit to some form of substance abuse.

For the majority of substance abusers, their problem lies with alcohol. According to information published by Ensuring Solutions to Alcohol Problems, a part of the George Washington University Medical Center, alcohol abuse costs American businesses $134 billion in annual losses. Most of the losses are due to missed work: 65.3% of this cost is caused by alcohol-related illness, 27.2% due to premature death, and 7.5% to crime. People addicted to alcohol also spend more time in the hospital and have higher rates of job turnover than their non- or light-drinking co-workers.

Data such as this shows that alcohol and other substance abuse takes a toll on workplace productivity, and contributes to higher medical costs both for treatment of the addiction and for substance-related medical issues. Employee substance abuse problems also cause an increased occurrence of workplace accidents and higher Disability and Workers Compensation costs. There is no question that it is in an employer’s best interests to find ways to minimize the impact of employees’ substance abuse on the workplace.

Experts in the field stress that it is imperative that employers educate employees about the health hazards of substance addiction and encourage employees to seek early treatment of any problems. While stressing the importance of a drug-free workplace, policies that rely primarily on discipline can result in addicted employees hiding their problems out of fear of losing their jobs, and in co-workers enabling such behavior in a spirit of friendship. In this type of environment, an addicted employee might resist seeking assistance — such as obtaining treatment under the medical plan or taking a leave to enroll in a treatment program — until a crisis occurs.

On the other hand, employees will be more likely to seek the help they need if they believe that by doing so they will receive help, not punishment. The same is true of co-workers, who can be a valuable resource in encouraging addicted employees to ask for help and to stay committed once treatment has begun.

Since substance abuse is truly a medical problem, most medical insurance plans include at least some substance abuse benefits. Workplace communications about a business’s policies on alcohol/drug use should include this information. If employees realize that help is within reach, they are more likely to seek solutions to their problem. Some employees might not realize that this benefit is available to them. Employee Assistance Programs (EAPs) can also offer screenings, counseling, and treatment referrals for employees with substance problems. Depending on the individual EAP design, it also might have worksite awareness and supervisor training programs.

Employers should make employees aware that any communications regarding substance abuse issues are confidential. This, together with a supportive (instead of punitive) environment, increases the likelihood that employees will ask for help.

With so many dollars wasted in lost productivity, the incentives for a business to promote substance abuse awareness are compelling. And, because work is such an important part of most people’s lives, the workplace can be an effective place for substance abuse intervention to begin.

For more information on our proprietary program for business owners, HR That Works, contact Raimie Brown at 877-994-6787 or raimieb@fallbrook.com

When Was The Last Time You Had Your Car Insurance Doctor’s Check-up?

The Car Insurance Doctor performing one of his outrageous car insurance checkups, fortunately it was captured on video…

Having trouble viewing this video – Click Here.

Jerry SAVED MONEY and received MORE COVERAGE – WOW!  Another satisfied patient from the good doctor…

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Take the Doctor’s Orders and CALL 877-994-6787 for Your FREE Car Insurance Checkup Today or visit www.SoEasyCarInsurance.com 24/7, 365 days a year!

Rolling, Unoccupied Cars In Parking Lots

I was at the store when a frantic crowd gathered. Someone had neglected  to set their car in park and/or set their emergency brake. The car rolled back into another car.

What should you do no matter what?

1. Take photos immediately, including the license plate number of the other vehicle

2. Document all possible phases of the incident, including names, phone numbers etc of all witnesses.

3. Record a video form any and all witnesses

4. If the damage is substantial enough, call you agent for further advice

If we can ever help answer any other questions, pleae contact our protection coaches at 877-994-6787 or www.siaonline.com/contact.asp

Tips To Keep You & Your Loved Ones Safe On St. Patrick’s Day

The Stromsoe Insurance Agency Total Protection Team would like to wish all of our friends and family a Safe and Happy St. Patrick’s Day!

St. Patrick’s Day has become a big night out for many Americans. But it is also a very dangerous night out due to impaired drivers. This St. Patrick’s Day designate a sober driver before the parties begins.

– Americans who drive while impaired on St. Patrick’s Day make it a high-risk evening on the nation’s roadways.

– According to the National Highway Traffic Safety Administration (NHTSA), 32 percent of all traffic fatalities on the nation’s highways around St. Patrick’s Day in 2003 were the result of impaired drivers with blood alcohol content levels of 0.08 percent and above.

But much of this tragedy can be prevented by reminding all drivers of a few simple precautions. Whether you are just meeting a few friends at the corner pub or attending the big local parade or party, if you plan on using alcohol to celebrate St. Patrick’s Day:

1. Designate your sober driver before the party begins and give that person your car keys;

2. Don’t starve yourself before or during the party. Enjoy the food as well as the drink;

3. Avoid drinking too much alcohol too fast. Pace yourself – eat, take breaks, alternate with non-alcoholic drinks;

4. If impaired, don’t even think about getting behind the wheel. Ask a sober friend for a ride home; call a cab, friend or family member to come and get you, call your local sober rides program, use mass transit, or stay where you are and sleep it off until you are sober;

5. And remember, Friends Don’t Let Friends Drive Drunk. Take the keys and never let a friend leave your sight if you think they are about to drive while impaired.

If you are hosting a St. Patrick’s Day party:

1. Serve lots of food — particularly high-protein dishes – and be sure to include lots of non-alcoholic beverages, desserts and coffee;

2. Be sure all of your guests designate their drivers in advance, or help arrange ride-sharing with sober drivers; and

3. Keep the numbers for local cab companies handy, and take the keys away from anyone who is thinking of driving while impaired.

Most of all, have a great holiday and be safe…

Thankful to be able to protect you…please pass this on to anyone you know.

10 Police Safety Tips to Keep People Safe

In light of the recent death of a 17 year old girl in Poway, CA and now the discovery of the body of a 14-year-old Escondido girl who had been missing more than a year, the Stromsoe Insurance Agency Protection Team that you share these tips with your entire family and spread the word to keep friends, family, and other safe:

1.The elbow is the strongest point on your body. If you are close enough to use it, do!

2.  If a robber asks for your wallet/purse, DO NOT HAND IT TO HIM. Toss it away from you….chances are that he is more interested in your wallet/purse than you, and he will go for the wallet/purse.

RUN LIKE MAD IN THE OTHER DIRECTION!

3. If you are ever thrown into the trunk of a car, kick out the back tail lights and stick your arm out the hole and start waving like crazy..The driver won’t see you, but everybody else will. This has saved lives.

4. Women have a tendency to get into their cars after shopping, eating, etc., and sit doing their checkbook, making a list, etc. The predator will be watching you, and this is the perfect opportunity for him to get in on the passenger side and put a gun to your head. AS SOON AS YOU GET INTO YOUR CAR LOCK THE DOORS AND LEAVE. If someone is in the car with a gun to your head DO NOT DRIVE OFF. Repeat: DO NOT DRIVE OFF!

Instead gun the engine and speed into anything, wrecking the car. Your Air Bag will save you. As soon as the car crashes bail out and run. It is better than having them find your body in a remote location.

5. Getting into your car in a parking lot or garage: look around you, into your car, at the passenger side floor, and in the back seat. If you are parked next to a van, enter your car from the passenger door. Serial killers attack their victims by pulling them into their vans while they are getting into their cars.

Look at the car parked on the driver’s side of your vehicle, and the

passenger side…If a male is sitting alone in the seat nearest your car, you may want to walk back into the mall, or work, and get a guard to walk you back out.

IT IS ALWAYS BETTER TO BE SAFE THAN SORRY and better paranoid than dead..

6. ALWAYS take the elevator instead of the stairs. Stairwells are the perfect crime spot. This is especially true at NIGHT!

7. If the predator has a gun and you are not under his control, ALWAYS RUN! The predator will only hit a running target 4 in 100 times and even then, it most likely will not be a vital organ. RUN, Preferably in a zig -zag pattern!

8. Women are usually trying to be sympathetic: STOP It may get you raped, or killed. Ted Bundy, the serial killer, was a good-looking, well educated man, who ALWAYS played on the sympathies of unsuspecting women. He walked with a cane, or a limp, and often asked ‘for help’ into his vehicle or with his vehicle, which is when he abducted his next victim.

9. The Crying Baby Theory was discussed on America ‘s Most Wanted :  A woman heard a crying baby on her porch at night, and called the police. She said it sounded like the baby had crawled near a window, and she was worried  that it would crawl to the street. The police said, ‘We have a unit on the way, DO NOT open the door.’ They think a serial killer has a baby’s cry recorded and uses it to coax women out of their homes thinking that someone dropped off a baby. Police have had several calls by women saying that they hear baby’s cries outside their doors at night.

10.  Water scam! If you wake up in the middle of the night to hear all your taps outside running or what you think is a burst pipe, DO NOT GO OUT TO INVESTIGATE! Burglars turn on all your outside taps full force so that you will go out to investigate and then attack.  Stay alert, keep safe, and look out for your neighbors!

11. Many keyless entry devices for cars have a panic botton – use them when needed

Our hearts and prayers go out to family and friends of every victim of senseless crime.  Please spread the word to help keep people safe.

Running A Home-Based Business – Do You Need A Small Business Policy?

Like most new home-based business owners, you might believe that your Homeowners or Renters insurance coverage offers sufficient protection. That is unfortunate, because in most instances these policies offer little to no coverage for business-related losses.  Homeowners policies are not designed to cover business losses. Most offer a small amount of business property coverage, meant to cover incidental items, such as a computer used for office work.

Take a look at the following list. If one or more of the items below apply, you might want to consider a Business policy for your business:

  • 1. Business Property, Stock or Equipment greater than $10,000 in value. A Business policy will allow you to insure your office contents, equipment, and stock. A Homeowners policy will likely have little, if any, coverage for business-related items.

 

  • 2. Clients visit your office/use your product/depend on your service. Liability insurance can help cover your exposure to lawsuits resulting from slip and falls, product liability claims, personal injury claims, etc. Perhaps even more importantly, it will provide defense costs for such actions. Homeowners policies do not have coverage for business liability. In a few instances, you might be able to purchase an endorsement to allow coverage for slip and falls due to customer visits, depending on your type of business.

 

  • 3. Damage to your office/workspace would require you to relocate/find a temporary substitute. Extra Expense coverage in a Business policy will provide funds for a temporary office/workspace or cost of a mobile trailer near your damaged office site.

 

  • 4. An Error or Omission could result in a lawsuit that would need to be defended/could seriously damage your business. Errors and Omissions coverage will protect you from judgments and defense costs resulting from past mistakes.

 

  • 5. Damage to your workplace could cause you to lose business, perhaps even lose some customers permanently. Business Interruption coverage will help pay for expenses until your property is repaired or sales return to normal (depending on the policy form).

 

  • 6. Your employees use their vehicles to make deliveries or run errands for your business. Non-Owned Automobile Liability will protect your business in the event that your employee has a serious accident during the course of running an errand for your business.

 

Contact our office today for more information about your home-based business insurance needs!  Here are 4 easy ways to reach us:

1. Phone  877-994-6787  
2.  Fax  951-677-6265  
3.  Email – insure@siaonline.com  
4.  Visit www.SIAonline.com