What Freelancers Should Ask Their Insurance Agents

Here are some of the questions that freelancers should ask their insurance provider.

If you are a freelancer, it’s important that you have the right business insurance to meet your needs. Not sure where you should begin when trying to find the right insurance coverage? Speaking to an insurance agent is a great place to start. Here are some of the questions you should ask your agent.

  • Will my homeowners insurance cover me as I freelance?

Unfortunately, most homeowners or renters insurance policies do not cover business assets or risks. However, every policy is different, so you should speak to your insurer to learn about your policy’s exclusions.

  • Do I need workers compensation insurance?

Your state might require you to carry some form of workers compensation insurance even if you are just working as a single freelancer. An experienced insurance agent will know your state’s workers compensation requirements.

  • Does my personal auto policy cover business-related driving?

Personal auto policies do not typically cover work errands or visits to clients. You should carefully go through your policy with your agent to verify your specific coverage limits and exclusions.

  • Will my freelancer insurance cover the people I work with?

If you have self-employed insurance, it will cover you and any employees that work for your business. However, your coverage will not extend to other parties unless they are specifically listed on your policy.

  • Can a client ask to be added as an additional insured?

When you work as a freelancer, it is actually quite common for clients to request to be added as an additional insured. Oftentimes, they will make this request before signing a contract with you. This is because they want to ensure that they will be covered for the risks associated with your work.

These are some of the questions that freelancers should ask their insurance agents to ensure that they have the right business insurance to meet their needs.  Interested in getting the right coverage for your business?  Then don’t hesitate to contact the experts at Stromsoe Insurance Agency in Murrieta, California.  Our dedicated team is ready to assist you with all your coverage needs today.

What to Do in the Event of a Hit-and-Run

Here are some of the things you should do after getting into a hit-and-run accident.

An accident is deemed a hit-and-run when an involved driver flees the scene of the accident. Unfortunately, these accidents tend to happen so quickly that you probably won’t have a chance to react. If you are involved in a hit-and-run, here are some of the things that you should do to handle the situation.

  • Do Not Pursue the Other Driver

While you might be tempted to, you should not chase after the fleeing driver. In your pursuit, you are likely to drive recklessly, placing yourself, your passengers, and other innocent parties at risk. Rather than pursing a fleeing driver, you should pull over and make sure that everyone in your vehicle is okay.

  • Remember the Details

After getting into an accident, you are bound to feel shaken and overwhelmed. However, it’s important that you calm yourself down and try to recall anything you can about the accident. For instance, you should try to remember the color of the vehicle, the state on the license plate, and any physical characteristics of the driver. Keep in mind that even the most seemingly minor details can help your case.

  • Call the Police

Even if you feel like you have nothing to report, you should still call the police. This is because having an official police report documenting the incident will help you with your insurance. When the police arrive at the scene, recount what happened without assigning blame or admitting guilt. Make sure you request a copy of the police report for any insurance claims you may file down the line.

These are some of the things you should do after being involved in a hit-and-run accident.  The best way to protect against the damages caused by a hit-and-run is by having the right auto insurance protections in place.  To find the right policies to meet your needs, contact the professionals at Stromsoe Insurance Agency in Murrieta, California.  We are ready to get you covered today.

Insurance Deductibles Explained

Here’s what you need to know about insurance deductibles.

Whether you are looking at your homeowners, auto, or health insurance, you are bound to see the term “deductible” popping up in all of your policies. But what exactly is a deductible and what does it mean in terms of your insurance? Here’s everything that you need to know about insurance deductibles.

What is it?

A deductible is the amount of money you agree to pay out-of-pocket towards an insurance claim before your coverage kicks in. Generally, your insurer will provide a range of deductibles to choose from and you will pick the amount that you can comfortably afford. It’s also important to understand that your insurance deductibles and premiums have an inverse relationship. This means that the higher the deductible you assume, the lower your premiums will be and vice versa.

Why does your deductible amount matter?

If you ever need to file a claim, you need to have your deductible amount ready before your insurer will step in and cover the remaining cost of the claim (up to your policy’s coverage limits). This is why it’s important to set a deductible amount that you can actually afford. If you set your deductible amount too high, you risk not being able to access your coverage when you need it the most.

Can I adjust my deductibles?

With most auto and home insurance companies, you have the ability to change your deductibles whenever you need to. However, there are some exceptions. For instance, if you live in an area prone to certain natural disasters, you might be required to pay a specific percentage deductible rather than the normal dollar deductible. Percentage deductibles may not be changeable because they are based on a percentage of your policy’s coverage limits.

Here’s everything you need to know about insurance deductibles.  Do you have more questions regarding your insurance?  Then turn to the experts at Stromsoe Insurance Agency in Murrieta, California.  We are ready to assist you with all your insurance needs.  Contact us to get started today.

Keep Your Home Safe from Burglars

Take these precautions to protect your home from a break-in this summer.

Did you know that the number of home break-ins increase during the summer months? Luckily, there are many things that you can do to protect your home against the risk of a burglary. Here are some of the precautions you should take around your home this summer.

Lock Your Windows and Doors

During the hot summer months, many people open their windows and doors in an attempt to catch a cool breeze. However, they often forget to secure their windows and doors before stepping out of their homes. This provides an easy point of entry for criminals. So, to protect your home from a break-in, simply make sure to lock up your windows and doors before leaving your home.

Invest in a Home Security System

Another great way to protect your home from intruders is by investing in a good home security system. A good security system will alert you and the authorities any time an unauthorized person attempts to enter your home. Additionally, because many security systems are equipped with camera capabilities, you can even use your security system to keep an eye on your home remotely.

Protect Your Belongings

If your best efforts cannot stop burglars from breaking in, there are still steps that you can take to protect your valuables from being stolen. Because most burglars are in a rush, they tend to grab whatever they can and run. By locking up or concealing things like cash, fine jewelry, electronics, and other valuable items, you can keep them out of the hands of criminals.

Take these precautions around your home to protect it from burglary this summer.  Want another way to keep your home safe?  Then make sure you have the right homeowners insurance protections in place.  To find the right policies to meet your needs, contact the experts at Stromsoe Insurance Agency in Murrieta, California.  We are ready to get you covered today.

Are YOU Our Next Lucky Winner?!

Mike Stromsoe, The Insurance Doc, and teammate Gil Coronado are ready to draw the next WINNER in our Inspire Happiness by Making A Difference in 2018 Referral Rewards Program…

Drum Roll please…

Congratulations to Robert Emch, you are our next winner!!!

Our Total Protection Team would like to thank you for all your kind referrals to our team.

If you have any questions or comments, please just let us know.  You can reach our friendly team at 951-600-5751 or email insure@siaonline.com.

What more can we do for you?


Mike Stromsoe and the Stromsoe Insurance Total Protection Team

Our Flag Day Celebration is LIVE!!!

Here at Stromsoe Insurance we are proud to be Americans!  Please join us in celebrating our brave men and women who fight for our freedom day in and day out.  As we remember everyday that freedom is not free, we display our flag proudly in as many ways as we can.

Our goal is to provide flags to those who need them, so local businesses and residents can showcase their American spirit.  The spirit doesn’t stop on the fronts of our homes or shops!  If you already have a flag, we want to see it on social media!  Use the hashtag #flagsfromstromsoeins.

From June 1st-June 15th stop in during regular business hours (Monday-Friday 9:00-5:00) to pick up your complimentary flag at Stromsoe Insurance.  (while supplies last)