SEPTEMBER 2017 ISSUE OF THE PROTECTION COACH

The September 2017 update of Mike Stromsoe’s The Protection Coach® has arrived.  This issue is jam-packed with all the latest news and tips for clients and friends of Stromsoe Insurance Agency.

The Protection Coach® – September 2017 (Click Here to View)

Inside this edition..

  • Back to School Safety Tips
  • Earthquake Insurance
  • Employment Practices Liability Insurance
  • Quick Tips: Labor Day Tips
  • Congratulations to Joe and Marilyn Anderson, our Awesome Clients of the Month. Thank you for your business!

Must-Have Home Organizations Tools

Straighten and smarten up your home through organization techniques.

A home is meant to be a warm and comforting place for you and your family. It’s your Home Sweet Home after all, right? What happens when the house declines into an unsightly mess? If you need to pull on your cleaning gloves and start to eliminate the clutter, the time to do so is now! While spring has passed, the season of organization is yearlong. The last thing you want to do is end up with more clutter and a shoddy-looking home.

Whether your home needs a quick tidying or some serious elbow grease, here are some must-have home organizational tools for every house!

A Landing Strip

We all need a place to drop our keys, phone, wallet, credit card, and mail as soon as we step in the door. Set up a small table or a decorative bowl so that it the pile of belongings doesn’t overwhelm your doorway. The point is to see something when you walk in the door that is beautiful, and that can double as an organizing tool!

Under the Stairs Storage

Do you have space under your stairs suitable for storage? It’s time to put it to use! No, we’re not talking about making room for Harry Potter; a space under the stairs is often the most misused space in the home. Store your vacuum, jackets, and other items that can be bulky and in the way!

Cord Control

Many electrical cords can make any space unsightly. Use colorful ties to organize cables for your electronics, home entertainment systems, kitchen appliances, power tools, holiday lights, and more.

Now that your home has been updated with these organizational tips, it’s time to give your house the right protection that it needs and deserves. Contact our knowledgeable team at Stromsoe Insurance Agency for all of your personal and business insurance coverage needs. We will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.

The Basics of Workers’ Compensation

Understanding the basic coverage of workers’ compensation insurance.

If you’re a business owner, you may be overwhelmed with the insurance policies you need. From protecting your business’s property to safeguarding your employees, everything should be covered so that you can focus on building your company. An insurance coverage that is non-negotiable is workers’ compensation. The law requires employers to have this coverage even if they have only one employee. Out-of-state employers may need workers’ compensation coverage if an employee is regularly employed, or if a contract of employment is entered.

Workers’ Compensation 101

If an employee gets hurt on the job, the employer is required by law to pay for workers’ compensation benefits. Whether a member of staff is injured in a single event (such as slipping and falling on a wet floor or getting into an auto accident while making deliveries) or repeated exposure to repetitive-motion injuries at work, the employer can be held responsible. 

Employee Protection

A workers’ compensation insurance policy is part of your cost of doing business, so no employee has to pay for the policy. As a business owner, you must post the notice to employees poster at work where employees will be able to see it. This notice details information about workers’ compensation coverage and where to find medical care for work injuries.

Fall Into Your Safety Net

If your employees get sick or hurt on the job, you may need to follow this standard procedure:

  • Provide a workers’ compensation claim for them within one working day after the work-related injury or illness is reported.
  • Return a copy of the completed form to the employee within one working day of receipt.
  • Forward the claim form and your report of occupational injury or illness to the claims administrator within one working day.
  • Within one working day of receiving the employee’s claim, authorize up to $10,000 for appropriate medical treatment.
  • Provide transitional work that is light duty whenever necessary to keep the injured employee in the loop.
  • If the employee is the victim of a crime that happened at work, you must give notice of workers’ compensation eligibility within one working day of the crime.

To prevent your employees from getting hurt at work, be sure to follow proper safety procedures and supply them with any safety tools or education. In addition to protecting your employees, safeguard your business with reliable workers’ compensation insurance. Contact our knowledgeable team at Stromsoe Insurance Agency for all of your personal and business insurance coverage needs.

Should You Spring for Auto Insurance Add-Ons?

Does your auto insurance need all of the added bells and whistles?

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage that protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available. When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without all of the trimmings. However, motorists should be advocates of getting the right level of coverage at the right price, rather than opting for the cheapest, most minimal policies. After all, insurance protects your wallet in the long run.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a safe driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate remains the same even if you file a minor claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transportation and taxis or splurging for a rental car. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal Liability Umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of protection.

Towing & Roadside Assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, jump-start your battery, or deliver you fuel so that you get back on the road quickly.

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of this expense so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Contact our knowledgeable team at Stromsoe Insurance Agency for all of your personal and business insurance coverage needs. We will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.