Tag: quality of life

Workers’ Compensation Savings For Small Businesses

Posted on by butlervetinsurance

How To: Save On Your Workers’ Compensation

As a business owner, you know that workers’ compensation is important. Not only does it protect your workforce—ensuring they get the medical care and lost wages reimbursements they need to maintain their quality of life—but it is also crucial for your business. This coverage helps you take care of your team without compromising your bottom line.

That does not mean you want to pay a pricey premium, though. Here is a quick guide on how to save on your workers’ compensation.

  • Get Grouped: Group rates can help you get significant savings on your workers’ comp coverage. If your business is not large enough to qualify for this type of coverage on its own, consider joining a trade association with at least 300 members or asking a couple of other businesses with similar risks to join with you in securing coverage.
  • Support Safety: California requires you to have a written safety program. Why not show it to your insurer—along with documentation about your regular safety trainings—to let them know how much you prioritize safeguarding your staff. Informing your insurer that you are making strides towards minimizing workplace accidents can help you save.
  • Prepare Programs: Certain programs—like a substance-free workplace program or return-to-work program—can help your employees minimize injury times and injuries themselves. By implementing these types of programs to help your workforce stay safe on the jobsite and protect their health if an injury does occur, you can show your insurer you are actively reducing your risk and their costs, which should lower your premiums.

Want to talk to an insurance expert about how to keep your workers’ compensation as affordable as possible? Contact Stromsoe Insurance Agency today! As California business insurance experts, our dedicated team is standing ready to help you get the best workers’ comp at the best price.

Protect Your Home: Theft Prevention & Homeowners Insurance

Posted on by butlervetinsurance

Your Guide To Deterring Thieves

Property crimes are unfortunately common. Even though we see our homes as places of safety, ideally protecting us, our families, and personal belongings from the dangers of the world around us, they can be compromised by burglars if we do not take steps to avoid this. To help you keep your home, your family, and your belongings safe, here are a few theft prevention tips to employ.

  • Check Your Locks: If you do not have locks on every single door and window in your home (yes, even those on the second or third story), install them right away. Thieves have been known to grab the ladder from your backyard—or even your neighbor’s—to access upper stories of the home. Make sure all of your existing locks are sturdy and that everyone in your family uses them.
  • Trim Your Yard: The more overhanging tree limbs and overgrown bushes you have in your yard, the more opportunities you are offering burglars to hide in the shadows as they check out your house. Keep your landscaping tight to ensure you are not offering any extra opportunities to thieves.
  • Light Your House: Similarly, by installing lights along your home’s walkways, on your porch, and throughout your yard, you make your home look less enticing to potential robbers. Inexpensive, solar-powered lights are a great solution to your property’s dark areas.

Of course, even with all of these efforts a clever thief could make it into your home. To make sure he or she does not make away with your quality of life, contact Stromsoe Insurance Agency. We are here to help you put the right California homeowners insurance in place to protect all of your personal property. Call us today to get a policy that will thwart any thief!

Could Mechanical Breakdown Insurance Protect You?

Posted on by butlervetinsurance

Protecting You On The Road, And By Its Side

Your auto insurance is here to protect you if your car gets stolen, you get into an accident, your car is vandalized, or another covered mishap happens. Yet, you still seem to be shelling out for your car every time you have to take it to the auto body shop. Sure, you accepted the new car warranty your dealership offered you when you purchased your vehicle. Inevitably, though, a short time after that warranty expires something goes wrong with your car. How do you avoid this expense?

Fortunately, there is a way you can protect your pocketbook against the hefty cost of a breakdown. Mechanical breakdown insurance will protect you in a way similar to an extended warranty, but with a few notable differences. First off, rather than having to pay a big lump sum at one time, you can space out the cost as you pay your monthly premiums. Secondly, mechanical breakdown insurance covers all of the parts and systems of your car instead of just the specifics listed in your warranty from your dealer. Finally, with this coverage you can get your car repaired whenever you like. Something sounds funny to you? Bring it in to the shop, without a worry about the cost.

Mechanical breakdown insurance ensures that you will be protected by your coverage not just while you are on the road, but also if you are pulled over on the side, broken down.

Your car is an important piece of maintaining your quality of life, as it allows you to get around when you need. To protect it with great auto insurance, including mechanical breakdown insurance, contact Stromsoe Insurance Agency in California. We are here to help you get the coverage you need to know that you will be protected no matter what lies on the road ahead.