Insure Your Business Through an Independent Agency

Here’s why it pays to secure commercial coverage through an independent agency.

As a business owner, you know how difficult it can be to navigate the insurance market on your own. This is why you should partner with an independent insurance agency when trying to secure coverage for your company. Here’s why working with an independent insurance agent benefits you.

They Have More Options

Unlike big insurance companies, independent insurance agencies actually represent several insurance carriers. This means they have access to all of the coverage options each carrier has to offer. With a wider selection of policies at their fingertips, independent agents have an easier time finding the right coverage solutions to fit their clients’ needs and budgets.

They Understand Local Risks

Because independent agents generally live in the areas they serve, they are familiar with local risks. For instance, they understand the regional weather patterns, know which areas of town are considered higher risk than others, and so on. Because they are familiar with the unique risk factors of the area, they also know which coverage options best address these local risks.

They Offer Unbiased Advice

Because independent agencies are not beholden to any one insurance provider, they can prioritize the needs of each and every client. When your independent agent offers you advice, you can rest assured knowing they have your best interest in mind. This environment of transparency makes it much easier to work with your agent and trust that they are only offering you the right coverage options for your needs.

This is why it pays to partner with an independent insurance agency when you are looking to insure your small business. Are you looking for an independent agency in Murrieta, California? If so, contact the experts at Stromsoe Insurance Agency. Our dedicated team is eager to work with you today.

Prepping for Small Business Saturday

Get your business ready for Saturday the 24th.

Small Business Saturday is a retail holiday that falls between Black Friday and Cyber Monday. This year, Small Business Saturday will fall on the 24th, and as the name suggests, this holiday is all about encouraging people to support their local small businesses this holiday shopping season. As a small business owner, there are several things you can do to get ready for this holiday. Here are some steps you should take.

Organize an Event

One way to take advantage of this Small Business Saturday is by planning an event at your location. While you can always hold a sale or offer special discounts to your customers, there are other options as well. For instance, you could give away small gifts or offer your customers automatic entry into a raffle event with every purchase. You can also offer free refreshments and even live entertainment. Hosting events such as these is a great way to generate interest and draw more customers into your store.

Advertise on Several Platforms

Once you have an event scheduled, make sure you advertise it. Hang promotional materials inside your actual storefront and also post about your event on your company’s website and social media accounts. This will help you reach a large online audience of potential customers. If you have the budget, you can also try more traditional advertising methods like taking out ads in the local newspaper or putting out a commercial. Employing these advertising methods can help you reach an older population of consumers who may not be as active online.

These are some of the steps you should take to get your company ready for this Small Business Saturday. Want another way to ensure that your business is ready for anything? Make sure you also have the right commercial insurance protections in place. For assistance with your business’s coverage needs, contact the experts at Stromsoe Insurance Agency in Murrieta, California. We are ready to get you the coverage that you need today.

Learning from the California Wildfires

Learn from the devastation of this year’s wildfire season.

This year, the state of California experienced some of the worst wildfires in its history. The flames engulfed acres of land, leaving many homeless or with extensive damages to their properties. However, amidst all the tragedy, we can all learn something from the devastation of this year’s wildfire season. Here are some of the main takeaways.

Update Your Coverage

Many California homeowners who attempted to file insurance claims for their damages found out that they did not have enough coverage to address all their repairs. Without the necessary coverage, the cost of rebuilding or repairing their homes came out of their own pockets. If you do not want to find yourself in this awful situation, make sure you regularly review your policy’s coverage limits. Look over your policy on an annual basis and adjust your coverage to account for inflation, higher property values, and increasing building and labor costs. By updating your coverage, you can ensure that you are covered for whatever comes your way.

Be Ready for Emergency Evacuations

Aided by high winds and dry weather conditions, this year’s fires traveled very quickly. Oftentimes, homeowners suddenly found themselves in a fire’s path and were forced to evacuate their homes with very little warning. This reminds us how important it is to be ready for any emergency situation. If a fire or another natural disaster is predicted to hit your area, you should be prepared for the worst. To prepare for an evacuation situation, pack an emergency kit that contains your important documents, cash, first aid supplies, food, water, essential pet supplies, easy-to-carry valuables, and so on. Prepping your kit now will help you feel calmer and more in control if you are forced to evacuate your home.

These are some of the things that homeowners can learn from this year’s wildfire season. Are you looking for the right insurance to protect your home from fire and the other risks that you face? If so, contact the experts at Stromsoe Insurance in Murrieta, California to get started today.

What Does Cancelling Your Auto Policy Mean for Your Future Rates?

Here’s what you can expect after cancelling your auto policy.

While there are many reasons why you might have to cancel your auto policy before your term is officially over, you may be concerned about how your premature cancellation will affect your future car coverage. Contrary to what you might believe, cancelling your policy for a legitimate reason should not have negative effects.   Read on to learn more about the repercussions of auto policy cancellations.

Voluntary Cancellations

As mentioned above, cancelling your auto insurance for a legitimate reason should not affect you negatively. For instance, if you need to cancel your coverage because you are selling your car or moving out of state, your auto insurer will not hold it against you. This means you should not experience difficulty securing affordable car coverage in the future.

Coverage Gaps

That being said, if you cancel your policy and then go without auto insurance for a while, this coverage gap could have negative effects. Anytime a driver goes without coverage, they are considered riskier to insure. As always, higher risk translates into higher insurance costs. If you would like to avoid this, make sure you secure an auto policy immediately after cancelling your old one.

This is what you need to know about policy cancellations and your ability to secure affordable auto insurance in the future. Do you have additional questions regarding your auto insurance? If so, contact the experts at Stromsoe Insurance Agency in Murrieta, California. We are ready to get you the coverage that you need today.