Let The Flag Day Celebration Begin!!!

Exchange Your Worn Flag for New Stars and Stripes at Stromsoe Insurance!!!

Monday June 3rd – Friday June 14th

Here at Stromsoe Insurance we are proud to be Americans, and we’re not shy about it! Please join us in celebrating our brave men and women who fight for our freedoms 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. These colors don’t run, and we are grateful to be able to enjoy our freedoms.

 

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.  Here’s the details:

 

  • From June 3rd – 14th stop in during regular business hours (Monday—Friday 9:00- 5:00) to pick up your complimentary replacement flag at Stromsoe Insurance. (while supplies last).
  • Bring in your old flag if you’d like us to properly dispose of it.
  • Did you know over 90% of our American flags are manufactured outside of America!? None here in our office, and we will be giving you one that is 100% made in America as well because buying American matters.
  • We want you to show off your American flag in our community! Use hashtag #flagsfromstromsoeins on social media along with a photo of your Ole Glory flying proudly!
  • Don’t be shy! We want the whole town in RED WHITE & BLUE!

 

Ways You Can Get Your Business Involved:

We want to make each Flag Day in our community better than the last. At the same time, we want to encourage local pride – and local shopping!

 

  • Display your own American flag proudly – during Flag Week (June 10th-16th, 2018), of course, but year-round, as well!
  • Have Red, White, and Blue Dress Down days for a donation to a worthy cause. Use the #flagsfromstromsoeins tag on social platforms to show your American and community pride.
  • Dress-up the kids and pets, too!
  • Make sure all your employees have American flags at their homes
  • Be sure to share this great community event on your social media channels.
  • We will be posting on social media and blogs. Local businesses that we know of that show their Flag Day pride will be mentioned in press releases and posts. It’s a great PR opportunity!

For more information, or to get involved, email us at insure@siaonline.com.

Suggestions to Help You Survive Allergy Season

Try out these tips to help you manage your seasonal allergies.

If you suffer from seasonal allergies, then you know how terrible the symptoms can be.  With all the sneezing, headaches, and itchy eyes, you may dread the return of spring and summer every year.  Fortunately, there are some steps that you can take to alleviate your symptoms.  Try out some of these suggestions to get through this allergy season.

  • Change Your Clothes When You Get Home

While there’s little you can do about the allergens in the outside air, you can make your home an allergen-free zone.  One way to prevent allergens from infiltrating your home is by changing clothes as soon as you return from a day out.  This will prevent the allergens that cling to your clothing from spreading throughout your home.  Make sure you do your wash regularly to eliminate the sneeze-inducing particles from your favorite outfits.

  • Learn What Triggers Your Allergies

While pollen is one of the main triggers for those who suffer from seasonal allergies, not all pollen is alike.  In fact, it’s possible for a person to be triggered by one type of pollen, but be completely immune to other types.  To figure out exactly what causes your reactions, ask your doctor about tests that can help you pinpoint your trigger.  Once you know what causes your allergies, you can do a better job of avoiding it.

  • Take Medication

If your allergies are particularly severe, then you should consider taking medication to help you alleviate your symptoms.  If you’ve tried medication in the past with less than favorable results, it’s possible that you were simply taking drugs that were incompatible with your symptom.  Speak to your doctor about putting together a combination of medications that will help you deal with your symptoms.

Try out these tips this allergy season.  Want another way to take care of yourself this season?  Then make sure you have the right insurance protection at the best price by giving our knowledgeable Total Protection Team a call at 951-600-5751, sending an email to insure@siaonline.com, or stopping by our Murrieta, California office today.  We are always happy to help!

What Business Owners Should Know About EPLI

Learn more about employment practices liability insurance (EPLI).

While you have coverage to protect your business against third-party lawsuits and claims, do you have protection against employee claims?  If you assume that your workers compensation insurance will cover the cost of employee-filed lawsuits, then you might be in for a rude awakening.  Workers comp coverage only covers the costs of lawsuits filed by employees that are injured on the job.  So, what can you do to protect your company against other types of employee lawsuits?  This is where EPLI coverage comes in.

What is EPLI?

In general terms, EPLI is insurance that is designed to protect your business against employee claims of unfair treatment.  EPLI provides coverage for many types of employee-filed lawsuits, such as those related to:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Failure to employ or promote
  • Wrongful discipline
  • Deprivation of career opportunity
  • Wrongful infliction of emotional distress
  • Mismanagement of employee benefit plans

Do I really need this coverage?

Many business owners forgo EPLI coverage because they believe that their employees would never sue them.  While you may treat your employees fairly and have never had an EPLI claim in the past, you never know what the future holds.  In some cases, a single misinterpreted statement or a poorly worded question can be enough for an employee to file a claim.  Because EPLI-related lawsuits are excluded from coverage under your other liability insurance policies, you would be left covering the cost of the lawsuit all on your own.  Even if you were to win the suit, the cost of your legal defense could easily exceed hundreds of thousands of dollars.  The only way to ensure that this substantial cost does not come out of your business’s savings is by securing EPLI coverage.

This is what EPLI can do for your company.  Want another way to take care of your business?  Then make sure you have the right business insurance protection at the best price by giving our knowledgeable Total Protection Team a call at 951-600-5751, sending an email to insure@siaonline.com, or stopping by our Murrieta, California office today.  We are always happy to help!

How Your Driving Experience and Age Affect Your Car Insurance Costs

Young, inexperienced drivers end up paying more for auto coverage.

When your insurance provider calculates your auto insurance rates, they will look at a variety of personal factors.  Two of the factors that will influence your premium calculations are your driving experience and age.  Here’s how these things will influence your coverage costs.

  • Inexperienced Drivers

Auto insurers assume that the more driving experience you have, the less likely you are to get into a car crash.  Unfortunately, this means that inexperienced drivers are considered a higher risk to insure.  Even if they have never been in an accident before, inexperienced drivers are more likely to be charged more for their auto insurance as compared to a driver with a long history of safe driving.

  • Young Versus Older Drivers

Young drivers obviously have less experience than older drivers.  However, this is just one reason why younger drivers are charged more for auto insurance.  Young drivers might also experience high insurance costs because they are considered more likely to display unsafe driving behaviors.  While not every young driver is reckless on the road, insurers across the board will charge more for young drivers to protect themselves just in case.

Keep in mind that older drivers can also pay more for insurance.  Eventually, older drivers will start to see an increase in their rates as their insurers start to feel concern about their ability to operate a car safely.  A good way to think about it is that drivers under the age of 25 and over the age of 65 are more likely to pay more for auto coverage.

  • Importance of Having an Insurance History

Even if you are no longer considered a young driver, you can still up paying high rates for your auto insurance if you do not have a consistent insurance history.  For instance, if you are 35 and have had auto insurance in the past but have not maintained your coverage, then you will be considered a risky driver.  Because auto insurers rely heavily on your claims history to determine what kind of driver you are, the absence of an insurance history will automatically make your insurer wary.  To protect themselves, they will charge you more for coverage—sometimes as much as a brand-new driver.

In conclusion, your driving experience plays a significant role in how your insurance premiums are calculated.  Fortunately, by maintaining a clean driving record, younger and inexperienced drivers can lower their rates over time.  Do you have questions about your auto insurance rates?  Then give our knowledgeable Total Protection Team a call at 951-600-5751, send an email to insure@siaonline.com, or stop by our Murrieta, California office today.  We are always happy to help!

Exchange Your Worn Flag for New Stars and Stripes at Stromsoe Insurance

Here at Stromsoe Insurance we are proud to be Americans, and we’re not shy about it! Please join us in celebrating our brave men and women who fight for our freedoms 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. These colors don’t run, and we are grateful to be able to enjoy our freedoms.

 

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.  Here’s the details:

 

  • From June 3rd – 14th stop in during regular business hours (Monday—Friday 9:00- 5:00) to pick up your complimentary replacement flag at Stromsoe Insurance. (while supplies last).
  • Bring in your old flag if you’d like us to properly dispose of it.
  • Did you know over 90% of our American flags are manufactured outside of America!? None here in our office, and we will be giving you one that is 100% made in America as well because buying American matters.
  • We want you to show off your American flag in our community! Use hashtag #flagsfromstromsoeins on social media along with a photo of your Ole Glory flying proudly!
  • Don’t be shy! We want the whole town in RED WHITE & BLUE!

 

Ways You Can Get Your Business Involved:

We want to make each Flag Day in our community better than the last. At the same time, we want to encourage local pride – and local shopping!

 

  • Display your own American flag proudly – during Flag Week (June 10th-16th, 2018), of course, but year-round, as well!
  • Have Red, White, and Blue Dress Down days for a donation to a worthy cause. Use the #flagsfromstromsoeins tag on social platforms to show your American and community pride.
  • Dress-up the kids and pets, too!
  • Make sure all your employees have American flags at their homes
  • Be sure to share this great community event on your social media channels.
  • We will be posting on social media and blogs. Local businesses that we know of that show their Flag Day pride will be mentioned in press releases and posts. It’s a great PR opportunity!

For more information, or to get involved, email us at insure@siaonline.com.

Key Things to Know About Your Homeowners Insurance

Make sure you know these essential things about your home coverage.

Many homeowners make the mistake of only reviewing their insurance policies when disaster strikes.  However, this is the worst time to realize that you have coverage gaps or cannot afford your deductibles.  Rather than leaving yourself in this perilous situation, it’s important to review your policy for key pieces of information.  Here are some of the things that you should know about your homeowners insurance at all times.

  • Your Deductibles

Much like your policy includes different forms of coverage, it will also have different types of deductibles.  While it’s important to know the main deductible amount that your insurer will collect when you go to file a claim, you should also know if your policy requires additional deductibles for specific types of claims.  Additionally, if you have supplemental home insurance policies to cover things like earthquake, flood, or windstorm damage, then these policies might not impose a dollar deductible amount.  Instead, they may require that a percentage of the claim amount be covered as the deductible.  In the event of some losses, you may not need to pay a deductible at all.  Make sure you know all about your various deductible requirements, so you are prepared in the event that you have to file a claim.

  • Your Covered Perils

Many homeowners make the mistake of assuming that their homeowners insurance protects them from every threat that comes their way.  However, there are certain perils and damage events that will not be covered by your standard home insurance policy.  For instance, regular home insurance will specifically exclude coverage for floods, earthquakes, sewer backups, pest infestations, and issues related to a home business.  To ensure that you are not caught off guard by a coverage gap, make sure you read through your policy and speak to your home insurer to discover exactly what your policy will cover.  Keep in mind that there are various insurance endorsements and specialty policies that can fill your coverage gaps.

These are some of the essential things that you should know about your homeowners insurance at all times.  Do you have further questions regarding your home coverage?  Then give our knowledgeable Total Protection Team a call at 951-600-5751, send an email to insure@siaonline.com, or stop by our Murrieta, California office today.  We are always happy to help!

May 2019 ISSUE OF THE PROTECTION COACH

The May 2019 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® –May 2019 (Click Here to View)

Inside this edition..                                                                   

  • Celebrating all of the Moms!!!
  • Join the Annual Flag Day Celebration – Flag Exchange!
  • What is Replacement Cost?
  • Hot Weather Safety for your Pets
  • Congratulations to Bowen and Maya Shih, Sun City Family Restaurant, our Awesome Clients of the Month. Thank you for your continued business!