NOVEMBER 2017 ISSUE OF THE PROTECTION COACH

The November 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® – November 2017 (Click Here to View)

Inside this edition..

  • Insurance to Value – Homeowners & Residential Structures
  • Cyber Insurance
  • Quick Tips: Thanksgiving Tips
  • Congratulations to Patty Bruesch, our Awesome Client of the Month. Thank you for your business!
  • Also, congratulations to Erick Bringas, our referral rewards WINNER! Thank you for all your kind referrals to our team!

Easy Steps to Keep Employees Safe at Work

Follow these tips to make sure your workplace is safe!

If you’re a business owner, you know how important it is to keep your employees safe at work. However, you also know that a workplace accident can happen anywhere at any time. While there’s no way to completely eradicate workplace accidents, there are some things you can do to reduce your business’s risk. Here are some precautions you can take to minimize your chances of a workplace accident.

Train Your Staff

One of the best ways to keep your employees safe it to make sure they understand the best safety practices for their workplace. A good training program should include how to complete a job safely and should also cover your business’s safety protocols. Finally, your training program should also discuss how to safely handle an accident in case one does happen.

Inspect Your Workplace

Another way to keep your employees safe is to inspect your workplace for any hazards. You should watch out for anything that could cause a slip or a trip. For instance, a leaky drinking fountain or some bunched carpeting could increase your employees’ chances of falling. Additionally, poor lighting could also be dangerous, so make sure you look for and fix any broken lightbulbs.

Examine Your Equipment

Finally, you should routinely check to make sure the equipment your employees use is safe. Note any issues, no matter how minor they may seem. Anything from a broken light to a strange noise should be examined and repaired. Making sure that all your equipment is safe and updated will ensure that your employees have a safe work environment.

Take these safety precautions to make sure that your employees are safe at work. Also, a great way to make sure your employees have the protection they need is to have the right insurance coverage for your business. To get the coverage your business needs, contact the professionals at Stromsoe Insurance Services in Murrieta, California. Our expert team is ready to assist you with all your insurance needs.

How to Store Your Summer Toys for Winter

Fall is the perfect time to get your boat, motorcycle, RV, and other summer toys ready for winter storage.

When temperatures begin to drop, it’s time to think about storing your summer toys for the winter.  If you have a boat, motorcycle, RV, ATV, or other summer toy, then learn how to prepare them for storage today.  Follow this guide to get all your toys ready for winter storage.

Step 1: Cleaning

The first step in preparing your summer vehicles for storage is cleaning them thoroughly.  Make sure you clean the interior and exterior of all your summer toys.  As you clean, check for any damages that require repairs.  These issues should be resolved before storing your toys for the winter.

Step 2: Maintenance

Once you finish cleaning, it’s time to move onto maintenance.  Make sure you empty out any water that might be in the engine or plumbing system of your boat and RV.  If this water sits for too long, it will cause damage.  If there is any remaining gas in your summer vehicles, make sure you add some fuel stabilizer to your gas tank.  This will prevent the residual fuel from corroding your engine.  Finally, if you noticed any damage while you were cleaning, now is the time to address these issues.  Make sure your summer toys are in good condition so they are ready to use as soon as you take them out of storage next summer.

Step 3: Choosing a Storage Facility

Once your summer toys are cleaned and fully repaired, then it’s time to choose the right storage facility.  When looking for a storage facility, try to find one that has experience storing similar items.  You should also make sure to take a tour of the facility you are considering.  Look to make sure that the facility offers adequate security and make sure the units are dry and heated.  Finally, look for a facility that allows you to rent space by the month.  This will allow you to only pay for storage when you need it.

Follow this simple guide to make sure that your summer toys are properly prepared for winter storage.  Another way to make sure that your summer toys are ready for anything is to get them the year-round coverage they need.  To find the right policy for you, trust the experts at Stromsoe Insurance Services in Murrieta, California.  Contact us to get covered today!

Are You The Next WINNER In The Inspiring Happiness in 2017 Referral Rewards Program?!

We are so very grateful for all of your kind referrals to our team in 2017!  Thank YOU!!

Mike Stromsoe and teammate Ruina Opina are ready to draw the next winner in the Inspiring Happiness in 2017 Referral Rewards Program…

 

 

Car Insurance Mistakes that Could Cost You

Don’t cut corners with your car insurance; these mistakes could really cost you.

While dealing with your car insurance isn’t fun, it’s still important that you handle the process carefully.  If you rush through things, then you could make expensive mistakes.  Don’t pay more for your car insurance than you have to; avoid making these costly missteps with your car insurance.

Mistake 1: Setting a Low Deductible

Many car owners set a low deductible to make sure they can afford coverage if they need it.  However, setting too low of a deductible could be costly.  The lower your deductible, the higher your premium will be.  If you avoid filing a claim, then you could be wasting money by consistently paying for your high premiums.  Avoid this issue by assuming the highest deductible you can comfortably afford.  This way you can still afford coverage while paying a lower premium.

Mistake 2: Buying Minimal Insurance

Each state requires drivers to have a minimum amount of car insurance.  To save money, many car owners only purchase this minimum coverage.  However, simply relying on minimum insurance can be a costly mistake.  If you ever get into an accident, then the state minimum insurance will do very little to help you.  This means that most of the repair costs will come straight out of your pocket.  Instead of only buying insurance minimums, a more cost-effective strategy is paying for the coverage you actually need.

Mistake 3: Not Reviewing Your Policy

Occasionally, your car insurance company misses changes in your circumstances.  This means that your policy might not be up-to-date.  That’s why it’s so important to review your car insurance policy before you renew it.  Failing to review your policy could result in you paying more for your car insurance than you need to.  Always check your policy to make sure you get all the discounts and lower rates that you qualify for.

Avoid making these car insurance mistakes and you could save some serious cash on your policy.  To find the best policy to fit your budget, contact the professionals at Stromsoe Insurance Services in Murrieta, California.  Our dedicated team is ready to assist you with all your insurance needs.

Our hearts are with all those affected by the California Fires

Our hearts and thoughts go out to all of those affected by the fires that continue to burn in all of California.

We mirror what the leadership of Cal Fire (http://www.fire.ca.gov/) has mentioned over the past few days.

1)      Life safety first

2)      Protect properties second

This week is also Fire Prevention Week, which helps remind us to prepare for times just like so many are experiencing right now.

Has your family set up a home escape plan in case of emergency? In the article “Every Second Counts – Plan 2 Ways Out”, you will find some helpful tips on how to make an escape plan for your family.  Creating a home escape plan is the most basic element to home fire safety.  It makes a difference between life and death in a fire situation.

http://www.fire.ca.gov/communications/communications_firesafety_firepreventionweek 

If there is anything we can do to assist, in any way, please contact us at:

Phone:  951-600-5751

Email:  insure@siaonline.com

Thank you for the opportunity to serve and protect you.  Please be safe!

 

Mike Stromsoe and the

Stromsoe Insurance Total Protection Team

2017 MURRIETA ROD RUN

Join us on Friday October 13th and Saturday October 14th in Historic Downtown Murrieta for an awesome weekend of Sweet Rides, Great Food, Awesome People, and Music! Wait there’s MORE…  this event is Free to the Public and ALL of the proceeds will benefit the at-risk and special needs youth at Oak Grove.  So come on down and enjoy the FUN!

There will be:

  • OVER 400 Classic Cars & Hot Rods
  • OVER 20,000 Spectators
  • 2 Days of Cars, Vendors, Food & Fun

We are proud to sponsor this awesome event and such a great cause.  Please, come stop by our booth and say hi to our Total Protection Team and enter to WIN some awesome prizes. We will have some SWAG, giftcards and other surprise goodies!

WE HOPE TO SEE YOU THERE!

 

Home Repairs You Shouldn’t Do Yourself

Best you leave these home repairs to the experts.

While everyone loves a good home DIY project, there are certain home repairs that require professional experience.  If your home needs these repairs or updates, then don’t get in over your head.  Trust these fixes to the experts.

Repair 1: Electrical

We all know how dangerous electricity can be.  If handled incorrectly, electrical wiring can lead to a fire or, worse, a fatal electrical shock.  In addition to the danger, electrical repairs often require a permit to complete.  That’s why it’s better to leave your home electrical repairs to a licensed electrician.

Repair 2: Plumbing

Another home project that you shouldn’t undertake by yourself is plumbing repairs.  While you may have successfully installed your new showerhead, working with piping requires years of experience.  Additionally, even a minor water leak can cause thousands of dollars of damage to your home.  It’s better to not take the risk; if you need plumbing repairs, just call a plumber.

Repair 3: Structural

Any time you want to make changes to or repair your home’s structure, you should call a licensed contractor.  Knocking down or opening up walls can weaken your home’s infrastructure and can cause serious damage if handled incorrectly.  If you still want to knock down a wall by yourself, at least get professional advice before you start.

Repair 4: Tree Removal

While removing a tree may seem very straight forward, if the tree’s roots are very deep, then things could get messy.  Even worse, if the roots are too close to your home’s foundation, then removing the tree incorrectly could cause structural damage to your home.  A trained professional knows how to handle this situation, so let them handle this home project.

If you see that your home needs these repairs, then don’t put yourself or your home at risk.  Trust these repairs to the professionals!  However, if you have a home DIY project that went south, then make sure you have the right insurance to cover you.  To find the right policy for your needs, trust the professionals at Stromsoe Insurance Agency in Murrieta, California.  Contact us to get covered today!

Join The Fight: Breast Cancer Awareness Month

This October, Stromsoe Insurance Agency is proud to participate in National Breast Cancer Awareness Month. About 1 in 8 women born today in the United States will get breast cancer at some point during her life. After skin cancer, breast cancer is the most common kind of cancer in women. The good news is that many women can survive breast cancer if it’s found and treated early.

  • Know your risk by learning about your family health history and talking to
  • your health care provider about your personal risk.
  • If you are age 40 to 49, talk with your doctor about when to start getting mammograms and how often to get them.
  • Women ages 50 to 74 need mammograms every 2 years. You may choose to start getting mammograms earlier or to get them more often.

Make healthy lifestyle choices:
– Maintain a healthy weight
– Add exercise into your routine
– Limit alcohol intake
– Limit post menopausal hormone use
– Breastfeed if you can

 

Talk to a doctor about your risk for breast cancer, especially if a close family member has had breast or ovarian cancer. That way they can help you decide when and how often to get a mammogram.