Halloween Safety Tips

Halloween is approaching and although it may look a little different, many will still be out and about this coming holiday. It is important to teach children how to be safe and aware and to set guidelines and expectations for behavior. Here are our top tips for having a fun and safe Halloween!

Walk Safely

  • Cross the street at corners using traffic lights, crosswalks and looking both ways.
  • Put away your electronic devices so you can keep your head up and your eyes peeled.
  • Teach your children to make eye contact with drivers before crossing the road.
  • Always walk on sidewalks or designated pathways.
  • Be extra aware of cars that are turning or backing up and consider their blind spots.
  • Join kids under the age of 12 for trick-or-treating.
  • Discourage children from eating treats and candy while walking to avoid choking hazards.

Costume Safety

  • Add reflective tape to costumes and bags.
  • Wear glow-in-the dark or light up items.
  • Choose face paint over masks when possible as to not obstruct a child’s vision.
  • Be sure that costume makeup is non-toxic and test it on a small piece of skin before applying to large areas.
  • Remove all makeup from the skin before children go to bed to keep from causing skin or eye irritation.
  • Do not use costume lenses without a proper eye exam and a prescription.
  • When picking a costume, be sure to find the right size to avoid tripping hazards.
  • Make sure children’s shoes fit well to avoid falls.
  • Avoid sharp swords, canes and sticks as accessories to avoid injury if a child falls while in costume.
  • Make sure that all costumes, wigs and accessories are fire resistant.
  • Avoid complicated costumes for young children to avoid accidents.
  • Always have a plan B for young children in the event of accidents.

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Driving Carefully

  • Slow down and stay on alert in residential areas as children may move in unexpected directions due to their excitement.
  • Make an effort to look twice for children when approaching intersections and on meridians and curbs.
  • Enter and exit driveways with extra caution.
  • Put away any distractions and focus on the road.
  • Turn your headlights on early to help see children and to help children see you.
  • Try to avoid driving during popular trick-or-treating hours if possible.
  • After twilight, watch extra carefully for children in dark clothing.

Going it Alone

  • If older children are going out alone, review an acceptable route beforehand.
  • Agree on a specific time that everyone should meet up or return home.
  • Teach children not to go into the cars or homes of strangers.
  • Be sure children know to stay in well-traveled and well-lit areas.
  • Let children know not to eat any treats until they have come home.
  • Teach children to only go to houses with a porch light on.
  • Review with children how to call 9-1-1.
  • If you have children of driving age, review safe driving tips with them before they head out for the night.

Halloween Activities

  • Don’t allow young children to carve pumpkins. Instead, let children draw their design on the pumpkin for an adult to carve.
  • Teach older children to carve pumpkins with the blade moving away from themselves.
  • Consider using a flashlight or glow stick instead of a candle inside jack-o-lanterns.
  • Never leave candles unattended (including those inside a pumpkin).
  • Remove tripping hazards from your porch or front door to keep visiting trick-or-treaters safe.
  • Check your outdoor lights and replace any bulbs that have burned out.
  • Restrain pets to avoid them jumping on or biting visitors and from getting out.
  • Teach children not to pet other animals without asking first.
  • Feed your children a good meal before attending parties or going out to trick-or-treat to avoid them eating far too much candy.
  • Consider handing out non-edible goodies for trick-or-treaters in support of food-allergic children and the Teal Pumpkin Project.
  • Ration treats for the weeks following Halloween and set realistic guidelines for how much your children should have.

Wishing you and your family safety and wellness always!

Your Stromsoe Insurance Agency
Total Protection Team
Phone: 951-600-5751
Email: insure@siaonline.com
Text: 951-482-8144

 

What is Commercial Auto Insurance?

About Commercial Auto Insurance

Commercial auto insurance covers vehicles your business owns such as automobiles and trucks. Commercial auto insurance is similar to your personal auto with coverage such as liability, collision, comprehensive, medical payments and uninsured motorist coverage. There are also some big differences such as eligibility, exclusions, and limits.

Commercial auto insurance is designed for company vehicles used for business purposes, to transport goods and equipment, for livery and many other business uses. 

Box trucks, food trucks, work vans; these are just a handful of vehicles that require a commercial auto insurance policy. Many vehicles commonly used for businesses are excluded from personal auto policies. This is because personal coverage was not meant for the risk of business usage so they are written differently.

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It’s important you talk with your agent to understand the terms listed below and how much coverage you have in case of an incident:

  • Bodily injury liability coverage helps pay for damages that your company might be liable for
  • Property damage liability coverage typically helps cover damages to another person’s property if you are found at fault for an accident.
  • Medical payments, no-fault or personal injury coverage will cover medical expenses regardless of who is found to be at fault in an accident. This can also include lost wages due to injury.
  • Uninsured motorist coverage covers damages done by another motorist who does not carry their own insurance or enough insurance.
  • Comprehensive coverage covers damages done by incidents other than a collision, also including hitting a deer or vandalism.
  • Collision coverage can help pay to repair or replace your car if there is a collision with another vehicle or another object, such as a tree.

What to Read Next:

Good to Know

  • Commercial auto insurance can cover any permanently attached equipment, but tools and similar equipment should be covered by a general liability policy.
  • Your commercial auto policy can cover employees, family members, and others as drivers, so be sure to list them as drivers on the policy.
  • Your trailer isn’t always automatically covered, so be sure to speak with your agent to understand your coverage options.

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from a business that trusts Stromsoe Insurance Agency:
“About as painless as buying insurance can be! Very attentive and professional. [Stromsoe Insurance Agency] did a very good job organizing our insurance mess!”
Dean Sbragia – Medical Fitness Solutions – Fallbrook, CA – Client Since 2016

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Your Teen Driver and Insurance

Why is Your Teen Driver More Expensive or Hard to Insure

There are many factors that go into the cost of insuring a teen driver. Arthur Goodwin, senior research associate at the Highway Safety Research Center at the University of North Carolina, says that young drivers cost more to insure largely because they are inexperienced and have higher accident rates than more seasoned drivers.

Stand-Alone Policies

It can be expensive to purchase a stand-alone policy for your young driver. Teenagers have a higher risk of collision because of a lack of driving experience. This is a huge factor in their premium, even though they often drive fewer miles than adults. Here’s why adding a teen driver to your existing policy is almost always far less expensive:

  • Affordability. Your young driver will reap the benefits that you gained as a long-term driver with a clean driving record and a credit history that has been established.
  • Control. Since you are already monitoring the policy, it’s easy to add and update coverage to ensure that your teen driver and their vehicle have the proper protection.
  • Flexibility. If you have multiple vehicles in your household, your teen will be covered by insurance when driving your car and vice/versa.
  • Convenience. You’ll only have one policy to monitor.
  • Protecting Your Assets. Most importantly, a vehicle operated by your teen driver but registered to you, needs to be insured on a policy in your name.

What is the best way for a young driver to lower their premium?

Young drivers have unproven records and are far more likely to drive distracted. Teens pose a financial risk for insurance companies, but there are methods to lower the premiums. To keep insurance premiums down, maintaining a clean driving record is crucial for young drivers. A single incident or traffic ticket can cause insurance for a teen driver to spike, causing an already costly premium to soar. Other methods for keeping premiums low is to use discounts for good students, a company’s driving app, safety features or full payment. Not all insurance companies offer the same discounts, so it’s important to talk to your agent about what will work best for you and your family.

How to Lower Your Auto Insurance Premium

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Separate Policies

If you decide your teenager should have their own policy, here are some things to keep in mind:

  • Ensure the right amount of liability. Choose a liability limit that will safeguard your assets. You are held liable if your teen driver caused damages or injuries to someone else.
  • Select affordable deductibles. You should make certain your teenager can pay the deductible amount out of pocket in case of a claim. This will come in handy if they are financially responsible for their own policy.
  • Physical damage coverage may not be necessary. If the vehicle on your teen’s policy is paid off, comprehensive and collision coverage may not be necessary. It may not be worth paying for one or both on an older vehicle worth less than a few thousand dollars.
  • Protecting Your Assets. Most importantly, a vehicle operated by your teen driver but registered to you, needs to be insured on a policy in your name.

How Much Car Insurance Is Enough?

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one mother of teens that trusts Stromsoe Insurance Agency:
“I’ve had several other insurance coverage in the past, but I was never treated with such friendly personal service as with Stromsoe Insurance Agency. Everyone in the office is ready to take time with me and my family, always finding the best coverage for our needs, even with our teenagers.”
Rick and Diane Royer – Fallbrook, CA – Client Since 1988

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Stromsoe Insurance Gives Back To Our Business Community

This is Mike Stromsoe, President and Team Leader at Stromsoe Insurance Agency. Life has changed for all of us, and in these times of uncertainty more than ever, we are dedicated to the core values in our agency, and at the top is a Servant’s Heart: We are dedicated to serving our clients and our communities, especially in times like this.

We want to give back, so Stromsoe Insurance Agency is giving businesses access to our proprietary HR system. You receive the first year at no cost. We’ve used this system for years. It’s top notch and it provides information on a national basis regardless of where your business operations take you.

To learn more give us a call at 951-600-5751 or email us at insure@siaonline.com. Stay safe, stay well and stay healthy!

Want to learn more about SB 1159? Watch the Q&A with Daneen Ashworth from Compass HR.

Looking for other resources for business?

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from a business that trusts Stromsoe Insurance Agency:
“Stromsoe Insurance Team is amazing, if every company that I worked with would operate like them, Los Angeles truly would be called city of angels.”
John Melkonyan – Crispy Crust Pizza – Hollywood, CA – Client Since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Non-Profit Spotlight: Michelle’s Place

Our community is full of incredible people and organizations, out making a difference for others! In this month’s Non-Profit Spotlight we’d like to recognize Michelle’s Place!

Michelle’s Place is a nonprofit cancer resource center located in Temecula, California. Their mission is to empower individuals and families impacted by cancer through education and support services. For over 19 years, Michelle’s Place staff and volunteers have provided emotional and financial support to individuals and their families impacted by cancer. This includes:

  • various support groups
  • one-on-one patient navigation
  • educational seminars
  • holistic wellness services including yoga and reiki
  • Pink Ribbon Assistance Program, which provides financial support to cancer patients.

Michelle’s Place services anyone with any cancer and aids family members as well. Now, many of the programs and services can be experienced at home, with virtual support groups, seminars, and classes.

For the month of October 2020 Stromsoe Insurance will donate $20 to Michelle’s Place for every referral that comes to our team!

Learn More about The 2020 Vision Referral Rewards Program HERE…

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Michelle’s Place was created as the last wish of Michelle Watson. Michelle succumbed to metastatic breast cancer at the young age of 26. When facing the difficulties of cancer care, Michelle was disappointed by the lack of local services available to her.

During her struggle, Michelle wanted a place where she could get some emotional support. A listening ear or a chance to speak to survivors, she wanted a place others could learn to cope with the illness. Michelle’s Place has assisted people and their families in coordinating treatment options.

“If there is any message I could pass on it would be to take today’s opportunities and live your dreams. I know sometimes it’s hard not to be stressed out by life and bogged with minor problems. Try to remember what matters most to your heart and be thankful for what you do have.” -Michelle Watson

UPCOMING EVENTS:

Last year’s Walk of Hope event was a huge success. Due to Coronavirus, it may look a little different this year, you can still be a part of this wonderful event! The Walk of Hope 2020 will be held from 8:00 to 11:00 am at South Coast Winery. You can register ahead of time by visiting their website.

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If you would like to help support Michelle’s Place, please:

  • Check their Website to Learn More and for updates on events such as the 2020 Walk of Hope
  • Join their Facebook page to stay up-to-date on what Michelle’s Place is doing!

For the month of October 2020 Stromsoe Insurance will donate $20 to Michelle’s Place for every referral that comes to our team!

Learn More about The 2020 Vision Referral Rewards Program HERE…

Would you like to learn more about how we can help protect your non-profit , call your Stromsoe Insurance Total Protection Team at (951) 600-5751 or email insure@siaonline.com today!