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Think you don't own enough to need renters insurance? Even secondhand furniture, basic electronics, and everyday clothes can cost thousands to replace, and a single accident or injury could be even more expensive. Find out how renters insurance can help protect your stuff, your wallet, and your ability to stay on your feet after a loss.

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The holidays are a time to gather with family and friends, but for many, that means long hours on the road. Whether you're driving across town or heading out of state, preparing before you travel can help make the journey safer and less stressful.

Here are a few travel tips from Strachan Novak Insurance Services to help you enjoy a safe and smooth trip this holiday season.

Check Your Vehicle Before You Go

Before starting your trip, take a few minutes to make sure your vehicle is ready for the road. Check tire pressure and tread, test your battery, inspect wiper blades, and ensure all lights are working. If it has been a while since your last service, consider an oil change and fluid top-off before you go.

If you're traveling somewhere with snow or ice, pack a small emergency kit that includes blankets, water, a flashlight, and a first-aid kit.

Plan Ahead and Allow Extra Time

Holiday traffic can be unpredictable. Plan your route in advance, check for weather or construction delays, and give yourself extra time to reach your destination. Leaving early can help you avoid the rush and reduce the temptation to speed or drive aggressively.

Stay Alert Behind the Wheel

It's easy to become distracted while driving, especially with kids, pets, or holiday excitement in the car. Put your phone away, avoid eating while driving, and take regular breaks to rest and stretch. If you feel tired, switch drivers or pull over at a safe location for a quick break.

Secure Your Home Before You Leave

If you'll be away for several days, take steps to help protect your home. Set timers for indoor lights, pause mail delivery, and ask a trusted neighbor to keep an eye out. Make sure all doors and windows are locked before you go.

Review Your Insurance Before Traveling

It's a good idea to review your auto and home insurance before hitting the road. Strachan Novak Insurance Services can help you understand how your coverage may apply while traveling and answer any questions you have about roadside assistance or rental car options.

If it's been a while since your last policy review, now's a great time to reach out.

Enjoy the Holidays with Peace of Mind

Traveling during the holidays can be hectic, but a little preparation can go a long way toward keeping you safe. From checking your vehicle to reviewing your insurance, taking these small steps can help make your trip as stress-free as possible.

For more travel safety tips or to review your insurance before the holidays, contact us today.

October has arrived, and with it, the familiar sea of pink. Pink ribbons adorn everything from coffee cups to football jerseys. This annual campaign, known as Breast Cancer Awareness Month, is a powerful and visible reminder of a disease that touches millions of lives. But beyond the branding and the color, what does this month truly represent?

It's about more than just wearing a ribbon. It's a crucial time to amplify conversations, share vital information, promote life-saving early detection, and honor the resilience of countless individuals and their families who have faced this diagnosis head-on. This October, let's go beyond the surface and delve into the substance of what it means to be truly aware.

The Unseen Battle: Understanding Breast Cancer

At its core, breast cancer is a disease in which cells in the breast grow out of control. There are different kinds of breast cancer, depending on which cells in the breast turn into cancer.

The statistics are sobering and highlight the urgency of this cause. According to the American Cancer Society:

• Aside from skin cancer, breast cancer is the most common cancer among women in the United States.
• It is estimated that in 2025, over 300,000 new cases of invasive breast cancer will be diagnosed in women.
• While far less common, men can also get breast cancer. It's estimated that over 2,000 men will be diagnosed this year.

Awareness is the first line of defense. Understanding the sheer scale of breast cancer's impact compels us to act—for our mothers, sisters, daughters, friends, and ourselves.

The Power of Early Detection: Your Most Important Tool

When it comes to fighting breast cancer, nothing is more powerful than early detection. When found early, before it has had a chance to spread, the 5-year relative survival rate is 99%. This is why proactive screening is not just a recommendation; it's a critical component of your health.

Here are the three key pillars of early detection:

1. Breast Self-Awareness (Know Your Normal): This is about becoming familiar with how your breasts normally look and feel. The goal is to notice any changes, such as a new lump, skin dimpling, nipple retraction, swelling, or unusual pain. If you notice anything different, contact your healthcare provider immediately.
2. Clinical Breast Exam: This is a physical examination performed by a trained healthcare professional. It's an opportunity for a professional to check for any abnormalities and for you to discuss any concerns you may have.
3. Mammograms: A mammogram is an X-ray of the breast and is the most effective screening tool for detecting breast cancer in its earliest, most treatable stages. It can spot abnormalities long before they can be felt. Talk to your doctor about when you should start getting mammograms. Guidelines can vary based on your age and personal risk factors, but generally, annual screening is recommended for women beginning at age 40.

Beyond the Pink Ribbon: Meaningful Ways to Show Support

Wearing pink is a great way to show solidarity, but your support can go much deeper. Here are some actionable ways to make a tangible difference this month and beyond:

• Educate Yourself and Others: Share reliable information from reputable sources like the National Breast Cancer Foundation, the American Cancer Society, and Susan G. Komen. Correct misinformation and encourage the people in your life to be proactive about their breast health.
• Donate: Research and donate to organizations that fund groundbreaking research, provide free mammograms for those in need, or offer support services to patients and their families.
• Participate in an Event: Sign up for a local charity walk, run, or fundraising event. These events not only raise crucial funds but also create a powerful sense of community for survivors and supporters.
• Offer Practical Help: If you know someone going through treatment, the "how can I help?" question can be overwhelming. Instead, offer specific help. Offer to drive them to an appointment, cook a meal, help with childcare, or simply sit with them and provide a listening ear.
• Share Stories of Hope: Elevate the voices of survivors. Their stories of strength, resilience, and hope are a powerful source of inspiration and a reminder of why this fight is so important.

Reducing Your Risk: A Proactive Approach

While there is no sure way to prevent breast cancer, certain lifestyle choices can help lower your risk. Consider incorporating these habits into your life:

• Maintain a Healthy Weight: Obesity is a known risk factor for breast cancer, especially after menopause.
• Stay Physically Active: Regular exercise can lower your risk. Aim for at least 150 minutes of moderate-intensity activity per week.
• Limit Alcohol Consumption: Studies consistently show that drinking alcohol increases a woman's risk of hormone-receptor-positive breast cancer.
• Eat a Balanced Diet: Focus on a diet rich in vegetables, fruits, and whole grains.

A Month of Action, A Future of Hope

Breast Cancer Awareness Month is a rallying cry. It's a call to action for each of us to be vigilant about our health, to support those in the fight, and to contribute to a future where breast cancer is no longer a life-threatening disease.

This October, let your awareness spark action. Schedule your mammogram. Encourage a friend to schedule theirs. Donate your time or resources. Share a story. Every single action, no matter how small, contributes to the larger movement of progress and hope. Let's make this October more than just a month of pink—let's make it a month of profound impact.

As the leaves begin to turn and the air gets a little crisper, the familiar rhythm of the school year returns. For many families, this means the daily commute to and from school. Whether your child walks, bikes, or takes the bus, ensuring their safety is paramount. Let's dive into some essential tips to help make every journey a safe one.

The Pedestrian Path: Walking to School

Walking to school is a fantastic way for kids to get some exercise and fresh air. But it also comes with responsibilities for both children and drivers.

• Practice the Route: Before school starts, walk the route with your child. Point out safe crossings, potential hazards, and where they should wait for traffic signals.
• "Stop, Look, and Listen": This age-old advice is still the best. Teach children to stop at the curb, look left, right, and left again for traffic, and listen for approaching vehicles before crossing.
• Cross at Crosswalks: Emphasize using designated crosswalks, intersections with crossing guards, or traffic signals. Never dart out between parked cars.
• Be Visible: Dress children in bright colors, especially if they walk in the early morning or late afternoon. Reflective gear is a great addition.
• No Distractions: Teach children to put away phones and headphones while walking. Their full attention should be on their surroundings.
• Walk with a Buddy: If possible, encourage children to walk with a friend or a group. There's safety in numbers.

Rolling Safely: Biking to School

Biking offers independence and fun, but cyclists need to be extra vigilant.

• Helmet Up! This is non-negotiable. A properly fitted helmet can prevent serious head injuries. Set the example by always wearing one yourself.
• Know the Rules of the Road: Bikes are vehicles, and riders must follow traffic laws. This includes stopping at stop signs and red lights, using hand signals for turns, and riding with the flow of traffic.
• Ride Predictably: Ride in a straight line, not weaving in and out of parked cars. Make eye contact with drivers to ensure they see you.
• Bike Maintenance: Regularly check tires, brakes, and chains. Ensure the bike is the right size for your child.
• Visibility is Key: Just like walkers, cyclists need to be seen. Bright clothing, reflective tape on bikes and helmets, and working front and rear lights (even during the day) are crucial.

Bus Stop Best Practices: Taking the School Bus

School buses are generally a very safe mode of transportation, but certain rules need to be followed at the bus stop and around the bus itself.

• Arrive Early: Be at the bus stop a few minutes before the bus is scheduled to arrive. This prevents rushing and potential hazards.
• Stay Out of the "Danger Zone": Teach children that the area 10 feet around the school bus is the most dangerous. Never walk behind the bus, and if they drop something, they should tell the driver rather than retrieving it themselves.
• Wait Safely: Stand at least 10 feet back from the curb while waiting for the bus.
• Boarding and Exiting: Wait for the bus to come to a complete stop and the driver to signal it's safe to board or exit. Use the handrail and avoid pushing.
• Cross in Front: If children must cross the street after exiting the bus, they should walk at least 10 feet in front of the bus, make eye contact with the driver, and wait for the driver's signal before crossing. This ensures the driver can see them.
• No Distractions on the Bus: Once on the bus, children should remain seated, keep the aisle clear, and avoid distracting the driver.

A Note for Drivers: Share the Road Responsibly!

We all have a role to play in keeping children safe.

• Slow Down in School Zones: Obey posted speed limits, especially in areas where children are present.
• Watch for Walkers and Bikers: Be extra vigilant at intersections, crosswalks, and residential areas.
• Understand School Bus Laws: Remember the law: when a school bus has its red lights flashing and stop arm extended, traffic from both directions typically must stop. Be aware of your state's specific laws regarding divided highways or multi-lane roads, but when in doubt, stop. The lives of children depend on it.
• Eliminate Distractions: Put away your phone. Focus 100% on the road and your surroundings.

Let's work together to make this school year a safe and happy one for all our children. A little preparation and awareness can go a long way in protecting our most precious cargo.

If you'd like to learn more about how traffic violations may affect your insurance, reach out to Strachan Novak Insurance Services. Visit our website or contact us today.

Distracted driving is one of the leading causes of accidents on the road today. Many people think a quick glance at their phone or a fast bite of food is harmless, but even a few seconds of distraction can have devastating consequences. The cost of distracted driving is more than just financial. It can affect your safety, your future, and the lives of others.

What Counts as Distracted Driving?

When most people hear "distracted driving," they immediately think of texting behind the wheel. While cell phones are a major issue, distractions come in many forms. Eating, reaching for something in the back seat, adjusting the radio, talking with passengers, or even daydreaming can all take your focus away from driving. The National Highway Traffic Safety Administration (NHTSA) reports that taking your eyes off the road for just five seconds at 55 mph is like driving the length of a football field blindfolded.

Financial Costs

Car accidents caused by distracted driving often lead to expensive repairs, medical bills, and potential fines. Even a minor fender bender can result in hundreds or thousands of dollars in damage. Beyond that, drivers may face increased auto insurance premiums after an at-fault accident. In some cases, lawsuits can follow, adding attorney fees and court costs to an already expensive situation.

Legal Consequences

All states have laws in place that prohibit texting while driving or using handheld devices behind the wheel. Breaking these laws can result in fines, points on your license, or even suspension of driving privileges in serious cases. A distracted driving charge on your record may also make it harder to secure affordable auto insurance in the future.

Personal Impact

The greatest cost of distracted driving is the human toll. A momentary distraction can change lives forever. Injuries, emotional trauma, and loss of life are consequences that no financial settlement can fix. Families, friends, and entire communities are affected when accidents occur. Choosing to stay focused on the road is one of the most powerful ways you can help protect yourself, your loved ones, and everyone else around you.

Tips to Stay Focused Behind the Wheel

• Put your phone on "Do Not Disturb" before driving.
• Eat before or after your trip, not while driving.
• Secure pets and belongings so you do not reach for them mid-drive.
• Keep conversations with passengers light and not distracting.
• Plan your route ahead of time to avoid checking GPS while driving.
• Take breaks on longer trips to avoid mental fatigue.

The Bigger Picture

Distracted driving is more than a personal choice. It is a community issue. Every driver shares the responsibility of keeping roads safe. By practicing safe driving habits and encouraging others to do the same, we can all help reduce the number of accidents and save lives.

Final Thoughts

Distracted driving is preventable. Every time you get behind the wheel, make the choice to stay alert and focused. By avoiding distractions, you not only help reduce financial and legal risks but also help protect lives.

If you'd like to review your auto insurance options, reach out to Strachan Novak Insurance Services. Just make sure you do it when you are parked, not while you are driving :) You can contact us anytime to discuss how we may help protect what matters most.

Whether you're just starting your business or have been running it for years, understanding the types of insurance your business may need is critical to managing risk. Two of the most common forms of business insurance are general liability and professional liability. While they may sound similar, they address different types of exposures and serve distinct purposes.

What Is General Liability Insurance?

General liability insurance is designed to help protect businesses from a variety of common risks, including:

• Bodily injury on your business premises or due to your operations
• Property damage caused by your business
• Personal and advertising injury (such as libel or slander claims)

This type of insurance is often considered foundational for most businesses. If a customer slips and falls in your store or if a subcontractor accidentally damages a client's property, general liability may help cover legal fees, settlements, or medical costs.

What Is Professional Liability Insurance?

Professional liability insurance, also known as errors and omissions (E&O) insurance, is intended for businesses that provide specialized services or professional advice. It may help cover:

• Claims of negligence
• Misrepresentation
• Inaccurate advice
• Failure to deliver a promised service

This is especially important for consultants, accountants, architects, attorneys, and other professionals where a mistake or oversight could lead to financial loss for a client. Even if you didn't make an error, professional liability may help cover legal defense costs if you're accused of making one.

Key Differences Between the Two

General liability helps protect against third-party bodily injuries and property damage – physical incidents that can occur on your premises or as a result of your operations. In contrast, professional liability focuses on claims related to the services or advice you provide. If your work causes a financial loss or you're accused of making a mistake, professional liability may help cover the costs.

General liability is best suited for businesses that interact with the public, such as retailers or contractors, while professional liability is more important for those who provide professional services, like consultants, accountants, and designers.

Does Your Business Need Both?

Some businesses in Ohio may need both types of coverage. For example, an IT consultant who works from an office may be exposed to physical risk (a client slips and falls while visiting) and professional risk (a software error leads to a client's financial loss). In such a case, both general and professional liability insurance may help address potential exposures.

Get Help Choosing the Right Coverage

Understanding the nuances between general liability and professional liability is an important step toward building a strong insurance strategy for your business. The team at Strachan Novak Insurance Services is here to answer your questions and help you evaluate the risks your business may face.

To learn more or to review your current business insurance options, contact us today.

Summer is here! And with it comes dreams of sunny days, beach trips, and backyard BBQs. But amidst all the fun, it's crucial to remember that summer also brings its own set of potential emergencies, from intense heatwaves and severe thunderstorms to power outages and even wildfires. These situations can arise whether you're enjoying your usual routine at home or exploring new places on a family vacation.

Being prepared isn't about fear; it's about peace of mind. By taking a few proactive steps now, you can ensure your family is ready for whatever unexpected challenges the season might throw your way, no matter where your summer adventures take you.

Build Your Summer-Ready Emergency Kit

You probably already have a basic emergency kit, but for summer, it's wise to add some seasonal specifics. Think of it as your "grab-and-go" for unexpected situations, perfect for the car, an RV, or easily accessible at home.

Essentials to consider:

• Water, Water, Everywhere: More than usual! Summer heat increases hydration needs. Aim for at least one gallon per person per day for several days.
• Non-Perishable Food: Pack items that don't require cooking or refrigeration, like granola bars, dried fruit, nuts, and canned goods (don't forget a manual can opener!).
• First-Aid Kit: A comprehensive one with bandages, antiseptic wipes, pain relievers, and any necessary prescription medications. Consider adding anti-nausea medication and insect repellent.
• Sun Protection: Sunscreen (high SPF!), wide-brimmed hats, and sunglasses.
• Portable Power: A fully charged power bank for cell phones, a car charger, and a hand-crank or battery-powered radio for weather alerts.
• Lighting: Flashlights with extra batteries or headlamps.
• Cooling Supplies: Handheld fans, cooling towels, and perhaps even some instant cold packs.
• Cash: ATMs may not work during power outages or widespread emergencies, so keep a supply of small bills on hand for essential purchases.
• Important Documents: Copies of IDs, insurance policies, medical records, and emergency contacts in a waterproof bag.
• Personal Hygiene: Moist towelettes, hand sanitizer, garbage bags.
• Pet Supplies: Food, water, and any medications for your furry family members.
• Entertainment: Books, games, or puzzles for kids (and adults!) to help pass the time during an outage or evacuation.

Develop a Family Communication Plan

Knowing how to connect when separated is vital, especially when traveling in unfamiliar areas.

• Designate an Out-of-State Contact: In a widespread emergency, local phone lines might be jammed. An out-of-state relative or friend can serve as a central point of contact for family members to check in.
• Emergency Meeting Spots: Establish a few meeting places: one close to home, one outside your neighborhood, and if traveling, a designated spot at your destination (e.g., a hotel lobby, a specific landmark).
• Memorize Important Numbers: Ensure everyone, especially older children, knows key phone numbers by heart or has them written down.

Understand Common Summer Hazards & How to Respond

Different summer scenarios require different preparations. Be aware of the common hazards in your home area and any destinations you plan to visit.

• Heatwaves:
  • Stay hydrated by drinking plenty of fluids (non-alcoholic, non-caffeinated).
  • Limit strenuous outdoor activity during the hottest parts of the day.
  • Seek air-conditioned spaces (malls, libraries, designated cooling centers).
  • Never leave children or pets in a parked car, even for a few minutes.
  • Recognize signs of heat-related illness (heat cramps, heat exhaustion, heatstroke) and know when to seek medical attention.
• Thunderstorms & Power Outages:
  • Charge all electronic devices when storms are forecast.
  • Unplug sensitive electronics during a storm to protect them from power surges.
  • Keep refrigerator and freezer doors closed as much as possible to preserve food.
  • Use battery-operated lights instead of candles to avoid fire hazards.
  • If you have a generator, use it outdoors in a well-ventilated area, far from windows and doors, to prevent carbon monoxide poisoning.
• Wildfires (if applicable to your region or travel destination):
  • If at home, create defensible space by clearing brush and dry vegetation.
  • Know your evacuation routes and have a "go kit" ready.
  • Monitor local alerts and news for wildfire updates and evacuation orders.
  • Minimize exposure to smoke by staying indoors with windows and doors closed.
• Flooding:
  • Know if your home or travel destination is in a flood-prone area.
  • Have an evacuation plan and route to higher ground.
  • Prepare to turn off utilities if advised by authorities.
  • Never drive or walk through floodwaters. "Turn around, don't drown."

Practice Makes Preparedness Perfect

Discuss your family emergency plan regularly. Practice drills, even simple ones like finding your emergency kit or heading to your designated safe spot during a mock power outage. This helps everyone, especially children, feel more confident and less anxious should a real emergency occur, whether at home or on the road.

Summer should be a time for joy and relaxation, and with a little foresight, it absolutely can be. By investing a small amount of time in family emergency preparedness, you're investing in your family's safety and well-being. Stay safe and enjoy your summer!

Graduating from college is an exciting milestone. As you transition into the working world, your insurance needs will change. Knowing how to navigate health, auto, renters, and other insurance options can save you money and help protect your future. This guide offers practical tips for new college graduates in Ohio so you can make informed decisions.

Health Insurance Options

Stay on a Parent's Plan

Under federal law, you can remain on a parent's health insurance plan until age 26, regardless of student status, marital status, or financial dependency. If your parents' plan is in Ohio and covers you, this is often the most cost-effective option, though it's always wise to confirm eligibility and enrollment deadlines with your parent's insurance provider, as state-specific regulations can sometimes add nuances to these federal guidelines.

Employer-Sponsored Coverage

Many entry-level jobs come with health benefits. If your employer offers coverage, review the plan carefully. Look at deductibles, co-pays, and networks. Even if premiums are higher, having access to in-network providers and prescription drug coverage can help protect your health and finances.

Marketplace Plans

If you don't have access to employer-sponsored coverage, you can explore plans on the Health Insurance Marketplace. Some states operate their own marketplaces, while others use the federal platform at Healthcare.gov. To find the right marketplace for you, visit Healthcare.gov and enter your new state of residence. Subsidies may be available based on your income, making coverage more affordable. Compare bronze, silver, and gold tiers to balance premiums and out-of-pocket costs. Always enroll during the open enrollment period or when you qualify for a special enrollment period (for example, after your graduation date).

Auto Insurance Considerations

Graduating from Student Discounts

If you were insured under a student discount because you lived away for school, that discount may expire once you graduate. Notify your insurance company of your new address and employment status to avoid coverage gaps and ensure accurate premiums.

Choosing the Right Coverage Levels

Minimum liability limits are often required by law, but these limits often aren't enough if you cause a serious accident. Consider higher liability limits to help protect your assets. Use phrases like "Can help protect" instead of promising coverage. For example, a $100,000 per person/$300,000 per accident liability limit can help protect your savings if you're at fault.

Bundling Discounts

If you purchase renters or other personal insurance, bundling those policies with your auto insurance can help cover multiple exposures under one company. Bundling often yields multi-policy discounts, which can help reduce your overall premium.

Renters Insurance Basics

Why Renters Insurance Matters

Whether you're moving into a first apartment or a shared house, renters insurance can help protect your personal belongings against theft, fire, or water damage. Even if your landlord requires you to have coverage, it's important to understand what's actually included.

Coverage Components

• Personal Property Coverage: Can help cover the cost to replace items like electronics, furniture, and clothing if they're stolen or destroyed.
• Liability Coverage: Can help cover legal expenses if someone is injured in your rental space and you're found responsible.
• Additional Living Expenses: If a covered loss forces you out of your home, this can help cover temporary housing costs.

Choosing Policy Limits

Estimate the value of your belongings by making a home inventory. Conservative limits on your personal property coverage may leave you underinsured. If you have high-value items (for example, a laptop or camera equipment), consider adding a scheduled personal property endorsement. Always ask: "How much insurance do I really need?" in relation to your budget.

Life and Disability Insurance Awareness

Life Insurance for Dependents

If someone (for example, a spouse or parent) depends on your income, a small-term life insurance policy can help protect them. Look at term life policies rather than permanent policies. Term life is generally very affordable for young adults in good health and can help protect your loved ones if something unexpected happens.

Disability Insurance

Your ability to earn an income is your most valuable asset. Employer-provided short-term disability coverage often doesn't replace 100% of your salary. Consider supplemental disability insurance to help cover living expenses if you become unable to work due to illness or injury. Again, look for policies that state they "Can help protect" your income rather than guarantee it.

Professional Liability and Other Policies

Professional Liability (Errors & Omissions)

If you work in a profession where advice or services could lead to financial harm (for example, consulting, IT, or real estate), professional liability insurance can help cover legal defense costs and settlements. Even as a new graduate, an entry-level consulting role can expose you to risk. It's important to note that specific requirements for professional liability insurance can vary by state and by profession.

Umbrella Insurance

An umbrella policy sits on top of your auto and renters insurance and provides extra liability coverage–often in increments of $1 million. If you're sued for an amount that exceeds your underlying policy limits, umbrella coverage can help cover the difference. It's generally affordable and can help protect your long-term savings.

Tips for Shopping Around

Compare Multiple Quotes

A key benefit of working with Strachan Novak Insurance Services is that we can shop multiple insurance companies on your behalf. Instead of contacting each provider yourself, our licensed agents gather quotes from top carriers to help you find competitive rates. We don't just focus on price; we also review customer service ratings and financial strength to make sure you're choosing a reliable insurer.

Ask About Discounts

As a new graduate, you may qualify for discounts not tied to student status:

• Good Driver Discounts: If you have a clean driving record.
• Low Mileage Discounts: If you work from home or bike and walk instead of driving.
• Safety Features: If your vehicle has anti-theft devices or advanced safety systems.
• Group or Alumni Association Discounts: Some insurers partner with colleges or professional organizations to offer discounts.

Review Annually

Major life changes–marriage, a new job, moving–can impact your insurance needs. Schedule an annual insurance review with Strachan Novak Insurance Services to make sure your coverage still aligns with your circumstances. Rates and policy offerings change over time, so regular check-ups can help you save money.

Why Work with Strachan Novak Insurance Services?

At Strachan Novak Insurance Services, we understand that new college graduates face unique challenges when securing insurance. Our licensed agents in Ohio can help protect your future by:

• Explaining complex policy terms in plain English.
• Comparing top carriers to help you find the best value.
• Identifying applicable discounts.
• Reviewing your coverage each year as your life changes.

If you have any questions or need personalized guidance, contact Strachan Novak Insurance Services today. We're here to help you transition confidently into your post-graduation life.

Conclusion

Insurance might not be the first thing on your mind as you wrap up college, but understanding your options can help you avoid costly surprises. From health coverage to renters insurance, from liability considerations to life protection–each policy "Can help protect" some part of your new independent life. By comparing quotes, asking questions, and working with a knowledgeable agency like Strachan Novak Insurance Services in Ohio, you can make informed choices and focus on building your career and personal goals.

Remember, as a new college grad, you're laying the foundation for your financial future. Taking the time now to choose the right insurance can help cover you against unexpected setbacks and give you greater peace of mind.

The sun is shining, the water's calling, and boating season is officially kicking off! But before you cast off your lines and feel the wind in your hair, let's talk safety - and peace of mind. Because this week, May 17th through May 23rd, 2025, is National Safe Boating Week - a crucial reminder to prioritize safety on the water so every adventure is a happy and secure one.

Organized by the National Safe Boating Council (NSBC) and supported by agencies nationwide, this annual campaign aims to educate boaters about responsible practices and the importance of being prepared for anything that might come their way. And as your trusted insurance partner, we want to emphasize that being prepared extends beyond life jackets and navigation - it also includes protecting your investment and mitigating potential financial risks.

More Than Just a Week: A Year-Round Commitment to Safety and Security

While National Safe Boating Week shines a spotlight on this vital topic, the principles of safe boating should be practiced every time you head out on the water. Think of it as the foundation for all your aquatic adventures. Similarly, having the right insurance coverage provides a crucial safety net for your boat and your peace of mind, year-round.

Key Focus Areas During National Safe Boating Week (and Beyond!):

• Life Jackets Save Lives (and Protect Your Loved Ones): This is the cornerstone of boating safety. Make sure everyone on board has a properly fitted, U.S. Coast Guard-approved life jacket and knows where it is. Even better? Wear it! To highlight this critical message, May 16th, 2025, marks "Wear Your Life Jacket at Work Day." Join boaters across the country in showing your commitment to safety by sporting your life jacket - even if you're just at your desk! It's a fun way to raise awareness and underscore the importance of protecting what matters most.
• Boating Under the Influence (BUI) is Dangerous (and Can Impact Your Coverage): Just like drinking and driving, operating a boat under the influence of alcohol or drugs is illegal and incredibly risky. Impaired judgment and slowed reaction times can lead to serious accidents. Designate a sober operator before you leave the dock. Furthermore, operating a boat while intoxicated can have severe consequences for your insurance coverage in the event of an accident.
• Know Your Boat and the Rules (and Understand Your Policy): Familiarize yourself with your vessel's operation, safety features, and limitations. Understand and adhere to local boating laws and regulations. Taking a boating safety course is a fantastic way to gain essential knowledge and skills. Just as you understand your boat, take the time to understand your boat insurance policy. Know your coverage limits, deductibles, and what's protected.
• Be Aware of Your Surroundings (and Potential Liabilities): Check the weather forecast before heading out and be prepared for changing conditions. Be mindful of other boaters, swimmers, and potential hazards in the water. Maintain a safe speed and distance. Remember that as a boat owner, you could be held liable for injuries or damages caused to others. Your insurance policy can help protect you in these situations.
• Carry Essential Safety Gear (and Review Your Coverage Regularly): Ensure you have all required and recommended safety equipment on board, including a first-aid kit, signaling devices (like flares and a whistle), navigation tools, and a means of communication (like a VHF radio or cell phone in a waterproof case). Just as you maintain your safety gear, it's wise to review your insurance coverage periodically to ensure it still meets your needs and the value of your boat.
• File a Float Plan (and Keep Your Insurance Information Accessible): Let someone know where you're going, who's with you, and when you expect to return. This simple step can be crucial in the event of an emergency. Similarly, keep your insurance policy information readily accessible in case of an incident.

Key Dates to Remember:

• May 16, 2025: Wear Your Life Jacket at Work Day
• May 17-23, 2025: National Safe Boating Week

Why Does Safe Boating and Boat Insurance Matter?

The statistics speak for themselves. Accidents on the water can lead to serious injuries, property damage, and even fatalities. Many of these incidents could be prevented by adhering to safe boating practices. Having the right boat insurance provides crucial financial protection against unexpected events such as accidents, theft, or damage. It offers peace of mind knowing you're covered when the unforeseen happens.

National Safe Boating Week serves as an important reminder, but let's make safe boating a habit that lasts all season long. And as you gear up for your time on the water, we encourage you to also think about the security and peace of mind that comes with comprehensive boat insurance. Contact us today to review your current policy or discuss your coverage options.

Let's all work together to make this boating season the safest and most secure one yet!

If you have any questions, call or contact Strachan Novak Insurance Services today.

If you rent a home or apartment, you might assume your landlord's insurance policy will take care of everything if disaster strikes. However, that's a common misconception. A landlord's insurance generally helps cover the building itself-not your personal belongings or liability risks.

So, do you need renters insurance if your landlord already has coverage? Here's what you should know.

What Your Landlord's Insurance May Cover

Landlord insurance is designed to potentially protect the physical structure of the rental property. That could include:

• The building's exterior and interior structure
• Plumbing and electrical systems
• Appliances that came with the unit

It might also include liability protection for the landlord if someone is injured due to negligence on the property. But it generally doesn't extend to tenants' belongings or personal liability.

What Renters Insurance May Help Cover

Renters insurance is built to potentially protect you-the tenant. A standard policy could help cover:

• Your personal belongings-such as furniture, electronics, clothing, and kitchenware
• Liability-if someone is injured in your home or if you accidentally damage someone else's property
• Additional living expenses-if your rental becomes uninhabitable due to a covered loss, like a fire or storm.

It is important to note that what is covered is dependent on the individual renters insurance policy.

Without renters insurance, you'd be responsible for replacing your items and covering any legal or medical costs out of pocket.

Why Your Landlord May Require Renters Insurance

Some landlords may require tenants to carry renters insurance as part of the lease agreement. This helps reduce disputes and potentially ensures tenants have financial support in the event of an accident, loss, or liability claim.

Even if it's not required, renters insurance is often an affordable way to gain peace of mind. In many cases, policies may cost less per month than a streaming subscription.

Final Thoughts

Your landlord's insurance is not a substitute for renters insurance. Their policy is focused on protecting their property-not your possessions or personal liability. If you want to potentially help safeguard your belongings and have a backup plan if the unexpected happens, renters insurance may be worth considering.

To learn more about how renters insurance works in Ohio or to request a quote, contact Strachan Novak Insurance Services today. We're here to help answer your questions.

As the weather warms and spring approaches, farms and agritourism businesses gear up for their busiest time of year. Whether you run a U-pick farm, participate in farmers markets, or host seasonal events, it's important to ensure your insurance coverage aligns with the increased activity. Spring planting, farmers markets, and agritourism operations bring unique risks that proper coverage can help address.

The Risks of a Growing Season

Spring marks the start of new crops, fresh produce sales, and a surge in visitors to farms and markets. With more people interacting with your business, the potential for accidents, injuries, and liability concerns increases. Here's how different types of farm operations can prepare:

Farmers Markets

Selling fresh produce at local farmers markets is a great way to connect with customers, but it also comes with risks. Slips and falls, foodborne illnesses, and product liability claims can impact your business. If you transport goods or operate market booths, you may also need additional coverage for your equipment and vehicles.

U-Pick Farms & Agritourism Activities

Welcoming visitors to pick their own produce or participate in farm activities makes for a memorable experience, but it also opens the door to potential liability issues. Uneven ground, farm animals, and weather-related hazards can pose risks to guests. Having the right liability coverage can help protect your business in case of an incident.

Spring Planting & Farm Equipment

With planting season in full swing, farms rely on tractors, tillers, and other heavy machinery. Equipment breakdowns or accidental damage can disrupt operations and lead to unexpected costs. A tailored farm insurance policy can help cover repairs, replacements, and potential liability from farm equipment accidents.

Preparing for a Safe and Successful Season

Before the season gets into full swing, take time to review your insurance coverage and make necessary updates. Consider these steps:

• Assess Your Property Walk through your farm to identify potential hazards and implement safety measures.
• Review Liability Coverage Ensure you have adequate coverage for guest injuries, property damage, and product liability.
• Check Equipment Protection Verify that farm vehicles, tools, and machinery are properly insured in case of breakdown or damage.
• Understand Seasonal Business Needs If your farm operates seasonally, make sure your policy reflects your business's specific schedule and risks.

A busy season is a great opportunity to grow your business and connect with customers. By ensuring you have the right insurance in place, you can focus on what you do best, running a successful farm.

For more information on farm and agritourism insurance, contact Strachan Novak Insurance Services at https://www.sn-insure.com/contactus.php.

A simple slip-and-fall accident on your property could cost you thousands—or even more—if you don't have the right liability coverage in your homeowners insurance. Many homeowners focus on protecting their house and belongings from disasters like fire or storms, but liability protection is just as crucial. Without it, you could be left financially vulnerable to lawsuits, medical bills, and legal fees.

What Is Liability Coverage in Homeowners Insurance?

Liability coverage in homeowners insurance can help protect you financially if someone is injured on your property or if you accidentally cause damage to someone else's property. This includes situations like:

• A guest slipping on your icy driveway and breaking an arm
• Your dog biting a neighbor's child
• A tree from your yard falling onto your neighbor's fence
• Your child accidentally damaging a friend's expensive electronics

In these cases, your liability coverage can help with medical expenses, legal defense costs, and even settlements if you're found responsible.

How a Slip-and-Fall Incident Could Cost You Thousands

Slip-and-fall accidents are one of the most common claims homeowners face. If a visitor or delivery person slips on a wet floor, icy walkway, or uneven pavement on your property, they could sustain serious injuries that require costly medical care. You may be held responsible for:

• Emergency room visits and hospital stays
• Surgeries or ongoing physical therapy
• Lost wages if they can't return to work
• Pain and suffering damages in a lawsuit

Even if the injury seems minor at first, medical costs can add up quickly, and legal expenses for defending a lawsuit can be significant. Without adequate liability coverage, you might have to pay these expenses out of pocket.

How Much Liability Coverage Do You Need?

Increasing your liability limit to at least $300,000 or $500,000 is often a smart choice, especially if you have significant assets or higher risk factors.

For even greater protection, an umbrella insurance policy can provide additional liability coverage beyond the limits of your homeowners insurance, often in increments of $1 million or more. This can be especially valuable if you have significant assets, own rental properties, or entertain guests frequently.

Reducing Your Risk of Liability Claims

While insurance can help protect you financially, taking preventive measures can also reduce your risk of liability claims:

• Keep walkways and driveways clear of ice, snow, and debris
• Repair uneven pavement or loose steps
• Secure rugs and flooring to prevent tripping hazards
• Install proper lighting in walkways and stairwells
• Supervise pets and train them to avoid aggressive behavior
• Ensure your home is up to local building and safety codes

Protect Yourself with the Right Coverage

Liability claims can happen to anyone, and they often arise when you least expect them. Having the right liability coverage in your homeowners insurance policy can help safeguard your finances and give you peace of mind.

Learn more about your homeowners insurance options by contacting Strachan Novak Insurance Services today.

As the new year begins, many of us set resolutions to improve our health, finances, or overall well-being. But have you considered making an insurance review part of your goals this year? Taking a closer look at your insurance coverage can ensure you're properly protected, potentially save you money, and help you feel more secure about your future.

Why an Insurance Review Matters

Life changes quickly, and so do your insurance needs. Whether you've moved, welcomed a new family member, started a new job, or made a significant purchase, your existing coverage might not reflect your current circumstances. An annual insurance review ensures your policies keep pace with your life and that you're not overpaying or underinsured.

Benefits of an Annual Insurance Review

• Adjust to Major Life Events: Marriage, having children, or buying a home can significantly change your insurance needs.
• Identify Gaps in Coverage: Make sure you're not underinsured in areas like home, auto, life, or business insurance.
• Take Advantage of Discounts: You may qualify for new discounts or bundling options that weren't available before.
• Stay Ahead of Policy Changes: Insurers sometimes update terms or coverage options. Reviewing your policy ensures you're aware of these changes.

How to Start Your Insurance Review

1. Current Clients:

   If you're already part of the Strachan Novak Insurance Services family, we make the review process simple and hassle-free. Contact Strachan Novak Insurance Services to schedule your personalized insurance review. One of our experienced agents will walk you through your current policies, identify any gaps, and recommend adjustments based on your needs and goals.

2. New Clients:

   If you're not currently a Strachan Novak Insurance Services client, we'd love to help you get the protection you need. Here's how to prepare for your review:

   • Gather all your current insurance policies, including home, auto, life, and any other coverage you have.
   • Make note of any significant life changes in the past year, like a marriage, a new job, or a major purchase.
   • Contact Strachan Novak Insurance Services to schedule a consultation. We'll review your current policies, explain your options, and help you find a plan tailored to your needs.

Make This the Year You Take Control of Your Insurance

An insurance review isn't just about protection–it's about peace of mind. By reviewing your policies annually, you can rest easy knowing you're covered for life's uncertainties. Let Strachan Novak Insurance Services be your partner in safeguarding what matters most.

Start your new year right with an insurance review. Contact Strachan Novak Insurance Services today!

The holiday season is a time for festive cheer, cozy gatherings, and beautifully decorated homes. For many, the centerpiece of holiday dcor is a Christmas tree adorned with twinkling lights, shimmering ornaments, and sentimental treasures. However, if not properly cared for, your Christmas tree can become a fire hazard that threatens to turn holiday joy into disaster. Here's how to keep your tree safe and your celebrations merry and bright.

Why Are Christmas Trees a Fire Hazard?

A dry Christmas tree combined with electrical lights and heat sources can create a dangerous situation. According to the National Fire Protection Association (NFPA), while Christmas tree fires are not common, they are often severe and cause significant damage when they do occur.

The main culprits of tree fires include:

• Dry trees
• Overloaded electrical circuits
• Faulty lights
• Proximity to heat sources such as fireplaces or candles

Top Tips to Prevent Christmas Tree Fires:

Be Prepared in Case of a Fire

• Ensure your home is equipped with functioning smoke detectors on every level.
• Keep a fire extinguisher nearby and know how to use it.
• Have a fire escape plan in place and practice it with your family.
• In case of a fire, evacuate immediately and call 911.

Keep the Holidays Safe

By taking these precautions, you can significantly reduce the risk of a Christmas tree fire while enjoying the warmth and beauty it brings to your home. Remember, safety is the best gift you can give your loved ones this holiday season. Let your holidays shine brightly–without the danger of a fire.

Happy Holidays!

If you have any questions, call or contact Strachan Novak Insurance Services today.

The holiday season is a time of celebration, filled with gatherings, food, and family traditions. But while it's exciting for us, holiday festivities can be overwhelming and even hazardous for our pets. Between the unfamiliar faces, tempting foods, and potential holiday hazards, it's important to take a few extra steps to ensure your furry friends stay safe and comfortable. Here are some essential tips to keep your pets protected and stress-free during holiday gatherings.

Create a Safe, Quiet Space

Holiday gatherings can bring a lot of noise and activity, which may make pets anxious. Set up a quiet, comfortable space in your home where your pet can retreat if they're feeling overwhelmed. This could be a bedroom or another familiar area filled with their favorite toys, bedding, and water. Adding background noise, like soft music or white noise, can also help drown out party sounds.

Monitor Food Hazards

Holiday feasts come with a host of foods that are harmful to pets. Be mindful of the following common holiday foods, which can pose serious health risks:

• Chocolate: Contains theobromine and caffeine, both of which are toxic to dogs and cats.
• Onions, Garlic, and Chives: Can cause gastrointestinal irritation and red blood cell damage in pets.
• Bones: Poultry bones, in particular, can splinter and cause choking or intestinal blockages.
• Alcohol: Even small amounts can lead to vomiting, diarrhea, and central nervous system issues in pets.
• Grapes and Raisins: These can cause kidney failure in dogs.
• Artificial Sweeteners (especially Xylitol): Found in sugar-free gum and some baked goods, xylitol can cause severe drops in blood sugar and liver failure in dogs.

To avoid any risks, remind guests not to feed your pet table scraps. Instead, have pet-safe treats on hand and let everyone know that these are the only foods allowed for your furry friends.

Secure Decorations and Hazardous Items

Decorations like tinsel, glass ornaments, and certain holiday plants can all pose risks to pets. Cats, in particular, are attracted to shiny or dangling decorations, which can be choking hazards if ingested. Common holiday plants like mistletoe, poinsettias, and holly are also toxic to animals, so keep these out of reach or consider pet-safe alternatives.

If you're lighting candles, ensure they are in secure holders and placed in areas pets can't reach. For those with Christmas trees, consider anchoring the tree to prevent it from tipping if a curious pet decides to explore.

Manage Stress with Pet-Friendly Activities

Keeping your pet entertained during a busy gathering can help reduce their stress and ensure they're safely occupied. Offer interactive toys, like puzzle feeders or chew toys, to help distract them from the hustle and bustle. If your dog enjoys it, a brisk walk or some playtime before guests arrive can help burn off energy and promote relaxation.

Watch for Door Dashing

With guests coming and going, doors are likely to open frequently, which can be an escape risk, especially for curious pets. If your pet tends to be an escape artist, consider putting up baby gates or asking a trusted family member to help keep an eye on the door. Microchipping your pet and ensuring they wear a collar with identification tags are also excellent safety precautions.

Introduce Guests Gradually

Pets can be wary or stressed around new people, especially if they are not used to large gatherings. If possible, introduce guests to your pet gradually, and allow your pet to approach them on their terms. Remind guests, especially children, to give your pet space and avoid petting them too roughly.

If you know your pet is especially nervous around new faces, it may be best to keep them in their quiet space for the majority of the gathering.

Be Cautious with Costumes and Outfits

While holiday costumes can be adorable, they aren't always comfortable or safe for pets. If you'd like to dress up your pet, make sure the costume is free of small, chewable parts and doesn't restrict movement, vision, or breathing. Always supervise your pet in their outfit and remove it if they show any signs of distress.

Consider Pet Calming Products

For particularly anxious pets, calming aids like pheromone sprays, calming collars, or pet-safe supplements may help. These products can be especially helpful during gatherings if your pet struggles with anxiety. Consult your veterinarian before introducing any new products, especially supplements, to ensure they are safe for your pet's unique needs.

Know Your Emergency Contacts

Even with the best precautions, accidents can happen. Keep your veterinarian's phone number and the nearest 24-hour animal emergency clinic contact information handy. Knowing where to turn in case of an emergency can provide peace of mind and help you act quickly if your pet encounters a hazard.

Final Thoughts

With a few thoughtful preparations, you can ensure your pet remains safe, comfortable, and stress-free during the holiday season. By creating a pet-friendly environment, keeping harmful foods and decorations out of reach, and managing stress, you can help your furry friends enjoy the holidays as much as you do. Keeping these tips in mind will make for a more enjoyable holiday season for both you and your beloved pets.

If you have any questions, call or contact Strachan Novak Insurance Services today.

Halloween is an exciting time for kids and adults alike, full of costumes, candy, and spooky fun. But amidst the excitement, it's important to keep safety in mind to ensure everyone has a great night without accidents. Whether you're trick-or-treating, attending a party, or decorating your home, these Halloween safety tips will help keep your holiday safe and enjoyable.

Costume Safety: Be Seen, Be Safe

Costumes are one of the best parts of Halloween, but they can also pose hazards if not chosen carefully.

• Make costumes visible: Add reflective tape or use glow sticks so that children are easily seen by drivers while walking through neighborhoods. Consider choosing bright costumes that are easier to spot at night.
• Choose flame-resistant materials: With candles and decorations often present, it's important to ensure costumes are flame-resistant. Avoid long, flowing fabrics that could easily catch fire.
• Fit matters: Costumes should fit well and not drag on the ground to avoid tripping hazards. Masks should provide clear visibility and adequate ventilation. If possible, opt for face paint or makeup instead of a mask to prevent obstructed vision.

Trick-or-Treating: Stay Safe on the Streets

Trick-or-treating is a Halloween staple, but it's important to take steps to keep kids safe as they walk through the neighborhood.

• Always accompany young children: For children under 12, an adult should always accompany them while trick-or-treating. Older children should stick to familiar routes and go in groups.
• Stick to sidewalks: Always walk on sidewalks, if available, and cross streets at crosswalks. Avoid cutting across yards or alleyways, which can have hidden obstacles.
• Use flashlights: Equip each child with a flashlight to improve visibility, making them more visible to drivers and helping them navigate uneven sidewalks or steps.
• Check candy before eating: Before letting kids dive into their candy, inspect all treats for signs of tampering or spoilage. Discard any candy that's unwrapped or looks suspicious.

Home Safety: Prevent Hazards for Visitors

If you're handing out treats or decorating your home, be mindful of potential hazards for visitors.

• Keep walkways clear: Ensure your driveway and walkway are free of tripping hazards like garden hoses, decorations, or uneven surfaces. Consider adding lighting to poorly lit areas.
• Opt for LED lights over candles: Instead of using real candles in your pumpkins or decorations, use battery-operated LED lights to reduce the risk of fire.
• Secure pets: Halloween can be stressful for pets, especially with constant doorbell ringing and strangers in costumes. Keep pets secured in a quiet room to prevent them from accidentally running out or becoming overly anxious.

Driving Safety: Watch for Trick-or-Treaters

Halloween night sees an increase in pedestrian activity, and with excited children darting across streets, it's critical for drivers to stay extra cautious.

• Drive slowly in residential areas: Reduce your speed, especially in neighborhoods where trick-or-treaters are likely to be out. Stay vigilant and be prepared for sudden stops.
• Avoid distractions: Keep your eyes on the road and avoid using your phone while driving. Children may unexpectedly cross streets or step out between parked cars.
• Use extra caution at driveways and intersections: When pulling out of driveways or approaching intersections, be extra mindful of children and their guardians.

Party Safety: Keep it Fun for Adults Too

If you're hosting or attending a Halloween party, there are a few extra precautions to keep in mind for a safe night.

• Designate a sober driver: If you plan on drinking at a Halloween party, ensure you have a designated driver or arrange for a ride home ahead of time.
• Monitor alcohol consumption: Encourage responsible drinking at parties and keep an eye on guests to ensure no one gets behind the wheel intoxicated.
• Be mindful of decorations: If your home or party venue is heavily decorated, make sure emergency exits are clear and that decorations don't block pathways or pose fire hazards.

Conclusion: Have a Spooky but Safe Halloween

Halloween is all about fun and celebration, but safety should always be a priority. Whether you're out trick-or-treating, hosting a party, or enjoying the night in costume, following these safety tips will help you avoid accidents and make sure everyone enjoys the festivities. Stay safe, and have a spook-tacular Halloween!

If you have any questions, call or contact Strachan Novak Insurance Services today.

As the back-to-school season approaches, the excitement of a new academic year fills the air. Parents are busy shopping for supplies, students are anticipating meeting new friends and teachers, and everyone is settling into the routine that comes with the school year. However, amid all this excitement, there's an important aspect of preparation that often gets overlooked–insurance.

Whether your children are just starting kindergarten or heading off to college, ensuring that you have the right insurance coverage is essential for a smooth and stress-free school year. Here's how insurance plays a vital role in safeguarding your family during the back-to-school season.

Homeowners or Renters Insurance: Protecting Valuable Assets

As technology becomes more integrated into education, students are often required to bring valuable items like laptops, tablets, and smartphones to school. Homeowners or renters insurance can help protect these devices in case of theft, loss, or damage. Make sure your policy includes coverage for personal property away from home, so you can have peace of mind knowing that your child's gadgets are protected.

Auto Insurance: Safety on the Road

For families with teenage drivers, back-to-school season often means more time on the road. Whether your teen is driving to high school or commuting to college, having the right auto insurance coverage is essential. Make sure your policy covers liability, collision, and comprehensive coverage to protect against accidents, weather damage, or theft. Additionally, consider adding roadside assistance to your policy to ensure your teen has help if they encounter car trouble on the way to or from school.

Liability Insurance: Preparing for the Unexpected

Accidents can happen anywhere, including at school. If your child accidentally causes damage to school property or injures another student, liability insurance can help cover the associated costs. Some homeowners or renters insurance policies include personal liability coverage, but it's worth checking to see if additional coverage is needed, especially if your child participates in sports or other activities where the risk of injury or damage is higher.

Car Insurance for College Students: Ensuring the Right Coverage

As your child heads off to college, it's important to reassess their car insurance needs. If they're taking a car to school, make sure your insurance agent is aware of the change in location, as it can affect your policy. For students who leave their car at home but drive it during visits, confirm with your agent that they're still covered under your policy. Updating your insurance based on your college student's driving situation ensures that they're protected whether they're on campus or back home.

Health Insurance: Keeping Kids Safe and Healthy

With the return to school comes an increase in exposure to germs and illnesses. From the common cold to more serious health concerns, having comprehensive health insurance ensures that your child can receive the necessary medical care without the burden of high out-of-pocket expenses. Regular check-ups, vaccinations, and coverage for unexpected emergencies are crucial in keeping your child healthy throughout the school year.

A Final Reflection

Back-to-school season is a time of new beginnings and opportunities. While you're busy preparing for the school year ahead, take a moment to review your insurance coverage and make sure you're fully protected. From homeowners and renters insurance to safeguard valuable assets, to auto insurance for safe commuting, and ensuring that your college student's car insurance is up to date, having the right coverage in place will give you the peace of mind to focus on what truly matters–supporting your child's success in the new school year.

So, as you check off those back-to-school lists, don't forget to add insurance to the top of your priorities. It's one investment that will keep your family protected and prepared for whatever the school year may bring.

If you have any questions, call or contact Strachan Novak Insurance Services today.

August. The air is thick with humidity, the sun beats down relentlessly, and the smell of barbecue lingers in the air. It's a month that evokes images of long, lazy days and cherished memories. And for many, it's also a month synonymous with classic cars.

The Allure of Antique Cars in Summer

There's something undeniably romantic about cruising down an open road in a vintage car. The top down, the wind in your hair, and the purr of the engine create an unforgettable experience. And while every season has its charm, there's a particular magic to driving a classic car in the summer.

• Show Season: August is peak season for car shows and events.
• Road Trips: With school out and vacations in full swing, August is the perfect time for a road trip.
• Care and Maintenance: While enjoying your antique car in the summer, it's crucial to take extra care.

Protecting Your Investment: Antique Car Insurance

Owning an antique car is a passion for many, but it also comes with responsibilities. One of the most important is ensuring you have the right insurance coverage. Antique car insurance differs from standard auto insurance in several ways:

• Agreed Value Coverage: Unlike standard car insurance, antique car insurance offers agreed value coverage, which means both the owner and the insurer agree on the car's value upfront. This ensures that in the event of a total loss, the owner receives the full agreed amount without depreciation.
• Specialized Repair and Restoration Coverage: Classic cars often require specialized parts and skilled labor for repairs. Antique car insurance policies may cover the cost of these specialized repairs, ensuring that your vehicle maintains its authenticity and value.
• Flexible Usage Terms: These policies can be tailored to the unique usage patterns of antique car owners. Whether you use your car for occasional leisure drives, shows, or parades, the insurance policy will accommodate these specific needs.
• Spare Parts and Tools Coverage: Some antique car policies include coverage for spare parts and tools, recognizing the value of these items in maintaining and restoring vintage vehicles.

It's essential to work with a licensed insurance agent at Strachan Novak Insurance Services who understands the unique needs of classic car owners. They can help you determine the right coverage and ensure your prized possession is protected.

So, as the summer days continue to heat up, enjoy the thrill of driving your antique car. Just remember to take care of both your vehicle and yourself. Happy cruising!

If you have any questions, call or contact Strachan Novak Insurance Services today.

As the mercury rises and the summer heat intensifies, keeping your home cool becomes not just about comfort, but also about safety and energy efficiency. Here are some effective strategies to help you chill out this summer without relying solely on air conditioning.

1. Block Out the Sun

One of the most straightforward ways to keep your home cool is to prevent heat from entering in the first place. Use blackout curtains, blinds, or shades on windows that face the sun. These window treatments can block out a significant amount of heat from sunlight, making your rooms cooler and more comfortable.

2. Use Fans Wisely

Fans can be a great way to circulate air and make the room feel cooler. Ceiling fans should be set to run counter-clockwise in the summer, which pushes cool air down. Place box or oscillating fans near windows or across from one another to create a cross breeze that can significantly lower the room temperature.

3. Optimize Nighttime Air

Evenings and nights are usually cooler during the summer months. Take advantage of these lower temperatures by opening your windows during these times. Be sure to close the windows and blinds as soon as the sun comes up to trap the cool air inside.

4. Change Your Light Bulbs

Incandescent bulbs produce a lot of heat. Replacing them with LED bulbs can reduce your home's temperature and save energy. LED bulbs are more energy-efficient and emit much less heat, helping to keep room temperatures down.

5. Cook Smart

Using your stove or oven can increase the temperature in your home. Opt for meals that require little or no cooking. When you do need to cook, try to do it during the cooler parts of the day, or use appliances like slow cookers, Instant Pots, or microwaves that emit less heat.

6. Seal Cracks and Openings

Make sure that warm air isnt sneaking into your home through unsealed doors and windows. Use weather stripping and caulk to seal any cracks or openings. This will help keep the cool air inside and the hot air outside.

7. Upgrade Your Insulation

Adding insulation to your home can help keep the temperature consistent. Insulation in the walls and attic prevents warm air from entering your living spaces. This is particularly effective in older homes that might not have adequate insulation.

8. Plant Trees Strategically

Planting trees around your home can provide shade and cool the air. Deciduous trees planted on the south and west sides will block sunlight during the summer and allow light during the winter after they lose their leaves.

9. Install Awnings or Plant Vines

Awnings can reduce solar heat gain significantly when installed over windows facing direct sunlight. Similarly, planting vines like ivy near your home can create a natural barrier that cools the air before it reaches your walls.

10. Regular Maintenance of Air Conditioning Systems

If you use an air conditioner, regular maintenance is crucial. Clean or replace the air filters, check the coolant levels, and ensure that the evaporator and condenser coils are clean. A well-maintained air conditioner runs more efficiently and keeps your home cooler at a lower cost.

By implementing these tips, you can enjoy a cooler home during the hot summer months while also being mindful of your energy consumption. Not only does this improve your comfort, but it also helps in reducing your overall environmental impact. Stay cool and enjoy your summer!

If you have any questions, call or contact Strachan Novak Insurance Services today.

Summer sun is on its way, and while we welcome the warmer weather, it's important to remember that our pets can feel the heat even more intensely than we do. Here are some crucial tips to keep your furry companions cool and safe during the hot summer months:

Hydration and Shade

Always Provide Fresh Water: Ensure your pets have access to fresh, cool water at all times. Dehydration can happen quickly, especially in the heat.

Create Shaded Areas: Whether they're outside in the yard or on a walk, provide shaded areas where they can escape the direct sun. Indoors, consider using fans or air conditioning to keep them cool.

Avoid Peak Heat Hours

Walk Pets Early or Late: Walk your dogs early in the morning or late in the evening when temperatures are lower. This reduces the risk of heatstroke and burnt paws.

Limit Exercise: On extremely hot days, reduce your pet's exercise to avoid overheating. Shorter, more frequent walks can be safer than long outings.

Pavement Safety

Test the Pavement: You can also test the pavement with your bare hand if it's too hot for you, it's too hot for your pet's paws. Consider dog boots for extra protection. This simple test can help prevent painful burns and blisters on your pet's feet.

Walk on Grass: Whenever possible, walk your dog on grass or dirt instead of asphalt or concrete. Grass stays cooler and is gentler on their paws.

Signs of Heatstroke

Know the Symptoms: Heatstroke can be fatal, so it's crucial to recognize the signs. Symptoms include excessive panting, drooling, lethargy, confusion, vomiting, and collapse. If you suspect heatstroke, move your pet to a cool place, offer water, and contact your veterinarian immediately.

Cool Off Strategies

Cool Baths and Towels: Offer cool (not cold) baths and use wet towels to help lower your pet's body temperature. Ice packs wrapped in towels can also be used, but avoid direct application to prevent shock.

Frozen Treats: Provide frozen pet-safe treats to help them cool down from the inside out. Simple options include frozen fruit pieces or ice cubes made from diluted broth.

By following these tips, you can help your pets stay safe and enjoy the summer months without the risk of heat-related illnesses. Always pay attention to their behavior and adjust their care as needed based on the temperature and their individual needs.

If you have any questions, call or contact Strachan Novak Insurance Services today.

In the realm of adulting, there's an often overlooked superhero in the world of financial protection: renters insurance. It's the unsung hero of the tenant universe, quietly guarding against potential disasters and offering peace of mind to those who call rented spaces home. Yet, despite its crucial role, renters insurance remains an underappreciated asset in many households. Let's delve into why renters insurance is not just an option but an absolute necessity.

Protecting Your Belongings:

Imagine coming home to find your apartment flooded due to a burst pipe or returning from work to discover that your laptop, TV, and other valuables have been stolen. These unfortunate scenarios can leave you emotionally and financially devastated. However, with renters insurance, you're not left to bear the burden alone. Renters insurance typically covers personal belongings such as furniture, electronics, clothing, and jewelry against a range of perils including theft, fire, vandalism, and water damage from other than flood or water back up.

Liability Coverage:

Accidents happen, and sometimes they can result in costly legal proceedings. If a guest is injured on your rented property or if you accidentally damage someone else's property, you could be held liable for medical expenses or legal fees. Renters insurance often includes liability coverage, which helps protect you in such situations. It can cover medical bills for injuries sustained by others on your property and legal expenses if you're sued for damages.

Temporary Living Expenses:

Disasters like fires or severe storms can render your rented home uninhabitable. In such cases, you may need to find alternative accommodation while repairs are underway. Renters insurance typically includes coverage for additional living expenses, reimbursing you for the cost of temporary accommodation, meals, and other essentials during the displacement period. This coverage can be a financial lifeline during already stressful times.

Affordable Protection:

One of the most compelling reasons to invest in renters insurance is its affordability. Unlike homeowners insurance, which also covers the structure of the dwelling, renters insurance solely focuses on protecting your personal property and liability. As a result, premiums are generally lower, making it an accessible option for individuals and families on a budget. Considering the potential financial repercussions of not having coverage, the cost of renters insurance is a small price to pay for significant peace of mind.

Customize to Fit Your Needs:

Beyond basic coverage included in most all renters insurance policies a range of customizations are available to tailor a policy to fit your needs and lifestyle. Some examples include coverage for: a home office or business, scheduled property for valuables such as jewelry, art and electronics, pet liability and water back up

Peace of Mind:

Life is unpredictable, and while we can't control everything that happens, we can take proactive steps to mitigate risks. Renters insurance offers more than just financial protection; it provides peace of mind knowing that you're safeguarded against unforeseen events. Whether it's a break-in, a natural disaster, or a liability claim, having renters insurance means you're not left to face the aftermath alone.

Conclusion:

Renters insurance may not be mandatory by law, but its importance cannot be overstated. It's a safety net that shields you from the financial fallout of unexpected events, ensuring that your hard-earned possessions and your financial future remain secure. In a world where uncertainty is the only certainty, investing in renters insurance is a smart decision that every tenant should make. So, if you haven't already, take the necessary steps to safeguard your home and belongings today - you'll thank yourself tomorrow.

If you have any questions or need renters insurance in Ohio, call or contact Strachan Novak Insurance Services today.

Congratulations! You've decided to take the plunge into homeownership. It's an exciting time, but with so much to think about, it can also feel overwhelming. Don't worry, we've got you covered. Here are 10 key things to consider before you embark on your house hunting journey:

1. Location, Location, Location: This adage holds true for a reason. Consider your commute, proximity to work, schools, amenities, and the overall feel of the neighborhood. Think about your lifestyle - do you crave a quiet suburban street or a bustling downtown vibe?
2. The House Itself: Make a list of your must-haves and nice-to-haves in terms of size, bedrooms, bathrooms, and features like a garage or backyard. Be realistic about your needs and how long you plan to stay in the house.
3. Affordability is Key: Don't get carried away by your dream home if the mortgage payment stretches your budget thin. Factor in not just the monthly payment but also property taxes, homeowner's insurance, and potential maintenance costs. There are resources available to help you determine how much house you can afford.
4. Get Your Finances in Order: Having a good credit score will qualify you for better mortgage rates, saving you money in the long run. Aim to pay down debt and build a healthy down payment. Explore first-time homebuyer programs that can offer financial assistance.
5. Know the Market: Research current market trends in your desired area. Is it a buyer's or seller's market? Understanding market conditions will help you set realistic expectations and make competitive offers.
6. The Power of a Pre-Approval: Getting pre-approved for a mortgage lets you know exactly how much you can borrow and strengthens your offer to sellers.
7. Team Up with a Real Estate Agent: A good agent can be your guide through the home buying process. They can help you find the right house, negotiate the offer, and connect you with the necessary professionals like inspectors and lawyers.
8. Don't Skip the Inspection: A home inspection by a qualified professional is crucial. It will uncover any major repairs needed and give you bargaining power with the seller.
9. Be Prepared for Closing Costs: Closing costs include fees associated with finalizing the purchase, like origination fees, title insurance, and taxes. Factor these into your budget to avoid surprises.
10. Enjoy the Journey! House hunting can be fun! Make a list of your dream features and keep an open mind to possibilities.

Owning a home is a significant investment, but with careful planning and these considerations in mind, you can make an informed decision and find the perfect place to call your own. Happy house hunting!

If you have any questions or need homeowner insurance in Ohio, call or contact Strachan Novak Insurance Services today.

According to NHTSA, over 450,000 vehicles are sold annually in the United States with fraudulent odometer readings, resulting in losses exceeding $1 billion for American car buyers each year. Mileage fraud, also known as odometer tampering, is a serious crime that can cost car buyers thousands of dollars. In this blog post, we'll discuss what mileage fraud is, how to spot the signs, and how to protect yourself when buying a used car.

What is Mileage Fraud?

Mileage fraud is the act of tampering with a vehicle's odometer to make it appear to have fewer miles than it actually does. This can be done in a number of ways, such as using a rollback tool to physically rewind the odometer, or by replacing the odometer with one that has a lower mileage reading.

How to Spot the Signs of Mileage Fraud

There are a number of signs that can indicate that a car's mileage has been tampered with. Here are a few things to look for:

• Inconsistent wear and tear: If the car's interior or exterior shows signs of wear and tear that is inconsistent with the mileage on the odometer, it could be a sign of fraud. For example, if the car has a lot of scratches and dents, but the odometer only reads 50,000 miles, it's likely that the mileage has been tampered with.
• Mismatched service records: If the car's service records show mileage readings that are significantly different from the odometer reading, it could be a sign of fraud.
• Discoloration or scratches around the odometer: If the odometer appears to have been tampered with, there may be signs of discoloration or scratches around the odometer itself.

How to Protect Yourself from Mileage Fraud

There are a number of things you can do to protect yourself from mileage fraud when buying a used car. Here are a few tips:

• Get a vehicle history report: A vehicle history report will contain information about the car's ownership history, accidents, and repairs. This can be a valuable tool for spotting potential problems, including mileage fraud.
• Have the car inspected by a mechanic: Before you buy a used car, it's important to have it inspected by a mechanic. The mechanic can check for signs of mileage fraud, as well as other potential problems.
• Be wary of deals that seem too good to be true: If the price of a used car seems too good to be true, it probably is. Be suspicious of cars that are priced significantly lower than similar cars with the same mileage.

By following these tips, you can help protect yourself from mileage fraud and ensure that you're getting a good deal on your next used car.

If you have any questions, call or contact Strachan Novak Insurance Services today.

If the hood of your car unexpectedly pops open while you're driving, it can be a dangerous situation and should be handled with caution. Here's what may happen and what you should do:

Limited Visibility: The hood obstructing your view can significantly reduce your visibility, making it difficult to see the road ahead and other vehicles around you. You can sometimes view through the gap under the hood and your car.

Sudden wind resistance: The open hood creates significant wind resistance, which can affect your car's stability and control. This can lead to swerving, difficulty steering, and even loss of control.

Loud bang: The hood popping open can create a loud bang, which can startle you and affect your driving ability.

Loss of Control: The sudden distraction and potential obstruction can cause you to lose control of your vehicle, especially if you're traveling at higher speeds.

Damage to Your Car: The hood can potentially damage other parts of your car, such as the windshield or roof, as it flips open.

Safety Risk to Others: Besides endangering yourself, there's also a risk to other drivers and pedestrians if the hood flies open and debris is ejected from your vehicle.

If the hood of your car does pop open while driving, follow these steps:

Stay Calm: Try to remain calm and focused despite the unexpected situation.

Signal and Pull Over: Use your turn signals to indicate your intention to pull over to the side of the road safely.

Slow Down Gradually: Gradually reduce your speed while keeping a firm grip on the steering wheel to maintain control of your vehicle.

Activate Hazard Lights: Turn on your hazard lights to alert other drivers that there's an issue with your vehicle.

Do Not Attempt to Close the Hood: It's not safe to attempt to close the hood while driving. Instead, focus on safely pulling over and assessing the situation once your vehicle is stationary.

Turn off the engine and do not attempt to close the hood yourself. It's important to have a qualified mechanic inspect the latch and ensure it's safe to close before proceeding.

Call for Assistance: The hood could have unexpectedly opened due to a malfunctioning latch, a broken cable, or another mechanical issue, there may be underlying problems. In such cases, it's advisable to contact roadside assistance or a tow truck for professional assistance

Remember, safety should always be your top priority in such situations. Take necessary precautions to avoid accidents and ensure the safety of yourself and others on the road.

If you have any insurance questions, call or contact Strachan Novak Insurance Services today.

If you live in the colder northern regions of the U.S., you've most likely experienced your fair share of snow... shoveling it, driving in it, trudging through it, and, of course, playing in it. And while each winter sport – from skiing and snowboarding to ice skating, hockey, sledding and snowshoeing – has its own inherent risks, there are a number of other snow-related things to keep on your radar.

Winter Recreation:

A 2018 report by the U.S. Consumer Product Safety Commission determined that more than 200,000 people went to the emergency room for snow sport injuries, including 76,000 from skiing, 53,000 from snowboarding, 48,000 from ice skating, and 22,000 from sledding. More recently, ski fatalities hit a 10-year high for the 2021/22 season.

These statistics are not meant to keep you from having fun in the white stuff, but they do serve as reminders to follow certain precautions. The most important being the use of helmets and other safety gear such as padding, googles, and – for backcountry skiers and snowmobilers – an avalanche transceiver and shovel.

Avalanche Danger:

Avalanches occur when loose snow or snow slabs dislodge and begin to move downhill, reaching speeds of up to 80 miles per hour and causing major destruction in their wake. Some avalanches are caused by humans, but many are triggered by sudden changes in wind, weather, or temperature. While avalanche danger is much more common for those exploring the backcountry, massive slides have been triggered in neighborhoods, resulting in fatalities and severe damage to homes.

Get Covered:

Whether you're an avid backcountry skier or a homeowner in an area susceptible to avalanches, there are things you can do to make sure that you and your family will be able to recover from any loss or damages that occur as the result of an avalanche. Here are a few options:

Snowmobile insurance: Just like car insurance, snowmobile insurance can be purchased to cover multiple vehicles and drivers under a single policy. A basic plan will cover damage to you or your snowmobile in the event of an accident or collision. Extended plans may include uninsured/underinsured driver coverage, accessory coverage, or increased liability coverage. Snowmobile insurance is required in some states and national parks.

Travel insurance: If you are planning a getaway to a snowy wonderland, consider purchasing winter travel insurance, especially if your agenda includes winter recreation. In addition to the basics of any travel policy, which protect you in the event of delayed flights or stolen luggage, a winter travel insurance policy will cover losses due to accident or injury related to a variety of winter sports, from ice hockey and snowshoeing to more risky sports like backcountry skiing and snowmobiling.

Natural disaster insurance: Most homeowner's insurance policies do not cover natural disasters like avalanches, but it's easy to get additional coverage if your home is at risk. If you live in an area prone to avalanches, look into purchasing a supplemental policy and make sure your home is fully insured.

For more information about insurance, call or contact Strachan Novak Insurance Services today.

Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.

There are many benefits to using contractors instead of employees, but it's important to understand the differences in order to avoid the legal and financial consequences of misclassifying an employee. Whether you're an employer or an employee, here's what you need to know:

What's the difference between an independent contractor and an employee?

An independent contractor is someone who performs a service for multiple clients, negotiates his or her own wages, and generally controls his or her hours and workflow. An independent contractor may also have employees of his or her own. Alternately, an employee usually works for a single employer, and his or her hours, workflow, and that employer primarily controls duties. Independent contractors tend to work on short-term projects, while employees stick with a single employer long-term.

What are the pros and cons for business owners?

The primary benefit of hiring independent contractors is that it almost always saves the business owner money in the way of employment taxes and insurance fees. Additionally, if your needs can change from one month to the next as far as amount or type of work available, it might make sense to hire contractors on an as-needed basis.

Alternately, if your company requires staff that really understands the ins and outs of your particular business and will benefit from having long-term staff, it may make more sense to take on employees rather than outsource your worker needs.

What are the pros and cons for independent contractors?

Making your own schedule, choosing your clients, and an increased ability to negotiate compensation are major perks of being your own boss. The tradeoff is that you may lose certain benefits and worker protections that come with having an employer. Independent contractors are also responsible for paying their own taxes on income earned.

What employers need to know:

Intentional misclassification of an employee as an independent contractor is against the law. In addition to the criteria above, it's important to note that workers who are "economically dependent" on a single employer may be considered employees, even if their work is minimally controlled or directed by the employer. In addition, if the work a contractor does is integral to your business, he or she probably qualifies as an employee.

For questions about business insurance in the Ohio, call or contact Strachan Novak Insurance Services today.

Holidays have a bad rap when it comes to the fattening, unhealthy foods that generally accompany them, not to mention the extra boozing and grazing that occurs at many of the seasonal parties. But not all holiday foods can be blamed for packing on the pounds. Some elements of our traditional holiday feast even have "superfood" qualities.

Superfoods are plant-based foods that pack a nutritional punch, usually due to high levels of naturally occurring vitamins, phytochemicals and antioxidants. According to the American Diabetic Association, these elements can help prevent different forms of cancer, cardiovascular disease, diabetes, stroke, obesity, diverticulosis and cataracts, among other things.

Along with the inevitable mouth-watering pies, casseroles, cookies, and gravies this season, here are some ingredients you can feel good about:

Pumpkin: Pumpkin pie is a holiday tradition that also happens to be rich in nutritional value. Pumpkins are a great source of fiber, anti-oxidants, minerals, B-complex vitamins, and alpha- and beta-carotene which boosts the immune system and promotes eye health.

Sweet Potatoes: Hidden in casseroles, covered in marshmallows, or served creamy and mashed, sweet potatoes are loaded with vitamin A in the form of beta carotene, and also pack in vitamin C, fiber, and potassium.

Cranberries: This famous holiday condiment is a powerhouse of nutrition, with high levels of health promoting anti-oxidants, inflammation-reducing phytochemicals, and immune-boosting vitamin C.

Cinnamon: An essential spice for holiday cookies and baked goodies, cinnamon can spice up your health as well. Studies show that cinnamon can relieve arthritis pain and reduce the proliferation of leukemia and lymphoma cancer cells.

Nutmeg: Often used as a complimentary flavor to cinnamon, nutmeg is another super spice that is known for calming the stomach, relieving joint pain, improving circulation and concentration, regulating anxiety, and promoting sleep. It also has been shown to have antibacterial properties for mouth health.

Nuts: People go nuts for nuts around the holidays in the form of pecan pie, warm chestnuts, and party snacks. And a small handful goes a long way, helping control weight and protect us from certain cancers, while also serving as a plant-based protein that's high in fiber and a good source of mono-unsaturated fats that protects heart health.

Brussel Sprouts: Although it has a reputation for scaring kids away, this veggie has a slew of health enhancing characteristics, including beta carotene and flavonoids that are especially protective against cancer. Brussel sprouts are also high in fiber, potassium, and calcium.

Chocolate: We tend to assume that anything sweet is bad for us, but dark chocolate – with 60 percent or more cocoa content – includes flavonoids for heart health, reduces blood clots and can sharpen mental health.

For all of your questions, call or contact Strachan Novak Insurance Services today.

Are teens really the worst drivers out there? Is texting the main reason for car accidents, or is it driving under the influence? Here are some interesting statistics about life on the road.

Speeding:

• National data reported by Fortune magazine determined that a 10-mph speed increase ups the risk of a crash by more than 9 percent.
• According to TeenSafe, more than 50 percent of the 5,000,000 car crashes in the U.S. each year are caused by aggressive drivers, with speeding being the most prevalent contributor.
• In 2019, the Insurance Information Institute reported that speed-related crashes cost Americans $40.4 billion each year.

Teen Drivers:

• In 2018, the NHTSA reported that drivers between the ages of 15 to 20 had the highest rate of speed-related fatalities compared to other age groups.
• According to DriveTeam, teenage crashes most often involve left-hand turns, rear-end accidents, and running off the road.
• The Oregon Department of Transportation reported that those without driver education between the ages of 15 to 20 are responsible for 91% of teen driving accidents.
• According to TeenSafe, when a teenage driver has an additional passenger, they are twice as likely to get into a fatal car crash. When two or more passengers are present, they are five times more likely.
• Speed was a factor in 31 percent of U.S. teen driver fatalities.

Driving Under the Influence:

• Three in five people will be involved in a crash due to impaired driving in their lifetime, says a report by the National Center for Statistics and Analysis.
• When drivers are impaired by drugs or alcohol, they are 36 times more likely to crash, reports the Virginia Tech Transportation Institute.
• The National Institute on Drug Abuse reports that, while alcohol is the substance most linked to impaired driving, marijuana is the second.

Texting:

• A report by Driver Knowledge says that one out of three people text while driving.
• Texting while driving increases the risk of crashing by 23 times.
• TeenSafe reports that at least 11 teens die in crashes caused by texting and driving every day.

For all of your car insurance questions, call or contact Strachan Novak Insurance Services today.

A little bit goes a long way, and an ounce of prevention is worth a pound of cure. These are common sayings that certainly pertain to auto maintenance. For most people, their automobile is likely one of their biggest investments and also one of the things they depend on most. Here are some easy things you can do to extend the life of your vehicle and minimize future repairs.

Change Oil & Fluids:

The general rule of thumb is if your car was manufactured in the last 15 years, you can probably drive 5,000 miles between oil changes. If you have a car with an electronic service reminder system, go with the flashing light; or check your owner's manual for the best guidance. When you do take in your vehicle, go for the full-service option and have your other fluids checked and filled if needed.

Check Tire Pressure & Wear:

Check and adjust your tire pressure once a month to increase fuel efficiency and the life of your tires. Also, inspect your tire tread to check for wear and tear, and if you notice any wobbling or vibrating while driving, reduce your speed and have your tires checked right away. Tires should also be balanced and rotated every six months.

Keep it Clean:

Washing a car is not just for looks, as, over time, dirt, mud, and other debris that's stuck to the undercarriage can cause more wear. Washing the interior preserves the life of the seating materials.

Replace Wiper Blades:

As the rubber wears down, wipers can unnecessarily scratch the windshield. Rub your finger along the blade edges to check for bumps or cracks. These can be replaced during an oil change.

Check Brakes:

Pay attention to any screeching or grinding noises from your brakes and increased stopping time. Because your tires need to be removed in order for an auto technician to get a good look at the brakes, it makes sense to have your brakes inspected when you get your tires rotated or replaced.

Belts, Batteries, and Basics:

Replace your air filters regularly, inspect your battery and keep it clean, and have your belts looked at every once in a while, or if you suspect a problem. Tending to these things will keep your car running smoothly and prevent major safety issues down the line.

Know your Automobile:

Depending on the make, model, and year of your car, as well as the kind of driving you do, these guidelines can vary quite a bit. Crack open your owner's manual and check out the specific recommendations for your vehicle. This could potentially save you a lot of money over the life of your vehicle.

For any automobile insurance questions, call or contact Strachan Novak Insurance Services today.

Having adequate RV insurance is essential to protect your investment and peace of mind while traveling. As with auto insurance, your rates are based on the make and model of your RV, your driving history, and other factors. You may have the option to add RV coverage to your regular auto insurance, but this isn't always recommended. Because your RV is both a home and a vehicle, it may require specialized insurance to provide the right kind of coverage. Each person's RV insurance needs are unique, so choose a policy tailored to your specific requirements and budget.

Types of RV Insurance: There are different types of RV insurance, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Understanding these options helps you choose the right policy for your needs.

Coverage for Personal Belongings: RV insurance can provide coverage for personal belongings inside the RV, such as clothing, electronics, and camping gear, in case of theft or damage. Those who use their motorhome often or live in an RV full-time probably travel with many if not most of their important personal belongings. If this describes you, make sure your precious cargo is protected by purchasing Personal Property Coverage, also known as Contents Coverage. Similarly, consider insuring costly additions to your RV such as a satellite dish, grill, or awning.

Full-Time vs. Part-Time: RV insurance takes into account whether you live in your motorhome year-round, or only use it for part of the year. Part-timers can save a significant amount of money by purchasing a "storage option," which suspends certain coverages (like collision) during the months you are not traveling. Although policies vary, your RV will likely still be protected in case of fire, theft, or other damage. If you live in your RV full-time, you may need specialized coverage, as standard policies might not fully protect your unique needs.

Other Considerations:

State Requirements: RV insurance requirements vary by state, so it's essential to know the minimum coverage required in your state of residence or where you plan to travel.

Consideration of Value: Consider the value of your RV when choosing coverage. Newer, more expensive RVs may need higher coverage limits.

Bundling Options: Many insurance providers offer discounts if you bundle your RV insurance with other policies like auto or home insurance.

Deductibles: Understand the deductibles associated with your policy, as it impacts how much you'll pay out of pocket in the event of a claim.

Emergency Expense Coverage: Look for policies that include emergency expense coverage, which helps with temporary accommodations and transportation if your RV becomes uninhabitable.

Compare Quotes: It's crucial to compare quotes from different insurers to find the best coverage at a reasonable price.

Review Policy Details: Before purchasing RV insurance, thoroughly review the policy to understand what is covered, what's excluded, and any additional endorsements available.

RV Usage: Be transparent with your insurance provider about how you plan to use your RV, whether it's for occasional vacations or full-time living, as this affects the coverage you need.

Insurance Claims Process: Familiarize yourself with the insurance company's claims process so you know what to do in case of an accident or damage.

For any questions about auto insurance, call or contact Strachan Novak Insurance Services today.

Let's face it, sewer backups can be one of the more unpleasant aspects of home ownership. In addition, they tend to strike during some of the worst possible times (like when the in-laws are visiting) and can be costly and complicated to fix – if you can find someone to fix it fast.

Homeowners are responsible for maintaining the sewer lines that connect their homes to a city's system. Because of this, it's important to pay attention to anything that could clog or disrupt a sewer line and cause major problems.

Causes:

• Clogs: Sewer line blockages can occur for a variety of reasons, but some of the more common ones include items that shouldn't be flushed or poured down the drain. Grease, larger paper products, baby wipes, and other foreign objects can build up and eventually obstruct the flow of wastewater.
• Tree Roots & Aging Parts: Over time, as tree roots grow, they can infiltrate sewer pipes through small cracks or joints, leading to blockages. And this is more likely to happen to older sewer pipes, which can deteriorate, collapse, or develop cracks and leaks.
• Weather: During heavy rainfall or flooding, excess water can overload the sewer system, and, in some cases, the water level can rise above the system's capacity, resulting in sewage backing up into homes.
• Faulty Plumbing: Poorly designed or installed plumbing systems – including improper slopes for the pipes, inadequate venting, and using the wrong sized pipe.

Prevention:

• Keep grease and other harmful items (such as paper products) out of drains and toilets.
• Prioritize annual maintenance to help detect potential problems long before they become serious.
• Replace old pipes and/or install a backwater prevention valve to drastically reduce the risk of damage to your home in the event of a sewer backup.
• Minimize water usage during heavy rainfall or flooding to reduce the load on the sewer system.
• Plant trees and shrubs away from sewer lines to prevent root intrusion. If you have existing trees near the sewer line, consult with a professional to manage and prevent root growth into the pipes.

By following these preventative measures, you can reduce the risk of those dreaded sewer backups, which are inconvenient – and quite unpleasant – when they transpire.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.

Personal Umbrella provides excess coverage above the limits provided by underlying personal lines policies and also dips down into gaps that may fall in between coverage provided by those types of policies. Personal Umbrella is sometimes used incorrectly to refer to Personal Catastrophe Liability (PCL) Insurance. This type of policy only provides excess limits of protection above underlying policy coverage; it does not provide "gap" coverage. If you don't have underlying policy protection the PCL policy will usually not provide insurance.

Why would you need a Personal Umbrella? There has been a trend underway in the United States toward more lawsuits and court and jury awards can be large. These judgments can include punitive damages and special compensatory judgments for loss of consortium, pain and suffering and other intangible losses. Liability insurance is meant to protect your assets and income, both current and future, from such awards. Those of us with significant assets or income or the expectation of either in the future, should give serious thought to supplementing our auto, homeowner and other liability protection with a Personal Umbrella Policy.

Certain pursuits or risks inherent in your lifestyle or family life cycle can increase the possibility of lawsuits or losses and accidents. For example, if you serve on a board of a non-profit organization, you have a much higher public profile than an average person and may be a target for lawsuits. Also, people have a tendency to sub-consciously hold certain individuals to higher standards of conduct. Examples here might include clergy, counselors, coaches and youth instructors. When that standard of conduct is not met a lawsuit can result. The Personal Umbrella Policy will exclude liability arising from most business or professional pursuits. But an Umbrella or PCL usually will insure against lawsuits and damages that occur due to personal pursuits that may happen because of expectations resulting from professional status.

Certain lifestyle choices also increase the risk of lawsuits. Obviously there is a big difference between the possibility of a drowning death on your premises when a swimming pool is present vs. a pool-free home; similarly for the odds of a serious spinal injury increase with a trampoline in the yard. You will want to take all the necessary safety measures when your home has leisure amenities like those mentioned and you probably do. But it may also be worth protecting yourself against the unexpected with a Personal Umbrella Policy.

The risks faced by you and your family change over time and sometimes quite dramatically. You may not realize it, but that decision to trade your sedan for a mini-van so you could cart your kids and their friends around, came with some risk implications. The exposure to liability loss is much greater the more people you regularly have in your vehicle. Here are a few family life cycle events that can change your needs for liability protection:

• Increase in income
• Appreciation of assets, including your home
• You entertain more frequently and serve alcohol to guests
• Inexperienced drivers behind the wheel of your car or the wheels of your cars
• You commute to work due to a recent move
• You frequently take long weekend trips to visit kids in college or aging parents
• Regularly carting around groups of kids in your car
• Large inheritance
• You have a trampoline
• You have a swimming pool
• You participate in a carpool

The list is not all inclusive, of course, but should give you some idea of what to look for as you think about your current protection levels.

For car insurance questions, call or contact Strachan Novak Insurance Services today.

For nature lovers, many of the most memorable moments take place in the great outdoors, whether it's catching your first trout on a fly rod or summiting a peak. This is also where people often find the most solace, as time in nature can bring a sense of peace. Unless, of course, things go wrong.

Although injuries can't always be avoided, there are some specific ways to prepare for outdoor adventures that may reduce the risks. Before heading out for your first hike, bike, or paddle of the season, consider these guidelines:

Start Training:

By training your muscles for specific excursions, you are essentially preparing them and reducing your chances of injury. General well-rounded workouts throughout the winter will ensure you're already in good shape for whatever comes your way. And if you're into a specific outdoor activity, choose exercises that are aligned. For instance, if you plan on hiking and backpacking, practice hill climbs on the treadmill, or if you're a kayaker, hit the gym's rowing machine and build up mileage.

Start Slowly:

Unless you are super fit, most people need to start out slowly and build up their mileage on the trails or in any adventure, especially for those emerging from winter hibernation. Start small – just enjoy being outside – and slowly increase the difficulty levels on future trips.

Warm Up:

It's also important to start at a slow pace to warm up your muscles, as cold muscles are tighter and therefore more prone to getting pulled or strained. For instance, if you're going on a 3-mile hike, walk at a moderate pace for the first 10 minutes to warm up. After that, stretch a bit to loosen the muscles up before charging on.

Stay Hydrated:

It's always best to start out hydrated and well-fueled before heading out on an adventure. In addition, staying hydrated throughout your excursion is one of the best ways to naturally prevent injuries, as adequate hydration allows the muscles to function properly and means the tendons attaching muscle to bones will not be overly tight. For adequate water consumption, divide your body weight in half to determine the minimum number of ounces you should drink per day. With greater exertion, the general recommendation is 8 ounces every 20-30 minutes for adults.

Be Prepared:

Research the terrain and weather patterns before heading into new territory and be equipped with enough water, food, and layers in case the weather suddenly shifts. The best layers repel or wick away moisture from your skin and hold in the warmth, such as wool and cashmere, or polypropylene, along with a waterproof layer to keep you dry.

For insurance questions, call or contact Strachan Novak Insurance Services today.

Technology and social trends have driven a wave of telecommuting. Many of us work at home at least on some days while some may work from home all the time. For that reason, more and more homes contain a designated office area; with increasing frequency that area is a room.

If the work you do is not for your own business you can often amend, or endorse, your Homeowner, Condominium Owner or Renters Policy to extend liability protection for incidental office exposures. Modifying your Homeowner policy is also an easy and inexpensive way to increase the limits for coverage of business property. A standard limitation is usually $2,500 for loss to business property on your residence premises but only $250 for business property away from your residence. Many insurers will, in exchange for some small additional premium, allow your Homeowner Policy to cover $5,000 or $10,000 of business property. And for a telecommuter, that's often the best solution.

Home Based Business

Approximately 60% of all small business are home based and this includes real estate sales and sales and distribution of products as a part time business. If your home based business is not your main source of income you still need to consider additional risks which may not be covered, even under an amended Homeowner policy. Here are a few:

• Business-related personal property (equipment and furniture) in excess of the Homeowner Policy limitation - both on and off premises
• Inventory you store or have on hand
• Business property of others while in your care or under your responsibility
• Accounts receivable
• Valuable papers and records
• Electronic data coverage
• You may need liability to extend to personal injury, products and completed operations, incidental contractual liability, and general commercial liability.
• Automobile - If you are driving people around for business reasons, transporting supplies or products or visiting customers your personal auto policy may not provide coverage.
• Most of these additional risks and more can be picked up through a Home Based Business policy. These policies usually allow for up to 3 employees and will allow more adequate limits of protection for liability and property.
• If your home business is your primary source of income you will want coverage for business interruption and extra expense. Fortunately, this protection is usually included in a Home Based Business policy. There are a few other kinds of insurance you should be thinking about as well.
• Disability Insurance - If you become disabled and are unable to work and generate income, this insurance will help to keep you "paid" during that period. It won't cover ongoing business expenses, however.
• Life Insurance - Many employers provide at least some life insurance protection to their employees. Since you are the employer, you are on your own on this one. Life insurance is also used as a vehicle for perpetuating a business in the event of the death of an owner; this is sometimes known as Key Man Life.
• Health Plan - The same thing applies here as to Life Insurance. If you don't have an employer supplying or subsidizing this important protection for you, you'll need to get it on your own.
• Workers' Compensation -- Most states require employers, even home based ones, to purchase Workers' Compensation if they have employees. Workers' compensation insurance offers a schedule of benefits for employees unable to work because of a job or workplace related injury or illness.

For any insurance question, call or contact Strachan Novak Insurance Services today.

In a world full of visible dangers, the last thing anyone in Ohio wants to think about is the invisible ones. But they're there and, believe it or not, many of them may be lurking inside your home. According to the CDC, each year, approximately 430 people in the U.S. die from accidental carbon monoxide poisoning and more than 50,000 are treated for it. Mold is prevalent in an estimated 70 percent of American homes. And the EPA and Surgeon General attribute more than 21,000 annual deaths from lung cancer in the U.S. to radon exposure.

The good news? All of these dangers can be remedied, or averted altogether, by reviewing a basic checklist of common home hazards and evaluating your risk. A little diligence and attention are all it takes to ensure your family's health and safety while supporting the longevity of your home as well.

Indoor Air Quality:

The quality of the air in your home is perhaps the most important home health concern and encompasses several of the most common dangers.

• Radon: An odorless, invisible radioactive noble gas, radon can seep into homes through basements and below ground crawl spaces. Determine if you have anti-radon measures in place in your home and, if not, hire a radon mitigation service to perform a professional measurement.
• Carbon monoxide: Another invisible gas, carbon monoxide in the home is most often the result of wood-, coal-, or gas-burning heaters, making it a more common concern during the winter months. Install a carbon monoxide detector near heat sources throughout the home to best protect against poisoning.
• Mold: Fairly common and most often harmless, mold exists in some form or another in most homes in the U.S. While some strains are innocuous, others can be harmful, particularly to people that struggle with asthma or severe allergies. Review damp areas for mold growth on a regular basis, treat small blooms with bleach or another mold-killing product and seek out professional help for severe growth or where it may have breached the walls and structural elements.
• Allergens, particulates, and volatile organic compounds (VOCs): Whether dust and smoke or formaldehyde off-gassing, these sorts of toxins can create a host of respiratory and neurological problems, ranging from mild to severe. Selecting low-or no-VOC products, consistently ventilating your home, and using an air filtration system can all help mitigate negative impacts.

Lead:

Still a common concern in older homes, lead paint can cause serious injury if ingested, which instigated a 1978 ban on its use. If you have a home built prior to 1978, make sure to review disclosure documentation for any necessary remediation information. Lead pipes are similarly dangerous, contaminating your home's drinking water. Get water tested if your home's plumbing was installed prior to 1986.

Pests:

Common household pests like termites and mice can wreak havoc, both structurally on your home and physically on your health. If you suspect any sort of pest infestation, contact a local exterminator for a professional inspection.

Electrical:

Incorrect or outdated wiring causes nearly 46,000 fires annually according to the Consumer Product Safety Commission. Predominantly impacting older homes, wiring defects and necessary repairs should be noted on your home inspection report.

For home insurance questions, call or contact Strachan Novak Insurance Services today.

Roadside breakdowns can be more than a mere inconvenience, emergencies of this nature, if not prepared for and handled correctly, can be dangerous for all involved, including other drivers. Following a few basic steps can ensure that you and your vehicle make it through the breakdown as easily and safely as possible.

First, turn on your hazards to alert other drivers to an issue, even if you're still driving, and keep them on until help arrives. Next, maneuver your vehicle off the road, ideally aiming for the right shoulder and as far away from traffic as possible. Engage your emergency brake and angle your wheels away from the road to avoid rolling into traffic if brakes fail. If you're on a busy thoroughfare, stay in your vehicle. If you need to exit the vehicle, attempt to do so out the side opposite traffic. If you have them, set up flares or reflectors behind your car to further warn oncoming traffic. Finally, call for a tow, mechanic, or roadside assistance depending on coverage and accessibility. If you're not sure who to contact, call 911.

As Benjamin Franklin famously advised: "An ounce of prevention is worth a pound of cure." Likewise, once the immediate emergency is dealt with, it's important to consider how you might be best prepared for future roadside needs. The most important factor in averting car breakdowns is to maintain your vehicle. Change the oil, keep the tires at optimal fill levels, monitor battery life, etc. Have your vehicle inspected annually by a reputable mechanic and complete any recommended repairs and mileage-based replacements. Have your vehicle inspected annually by a reputable mechanic and complete any recommended repairs and mileage-based replacements.

You might also weigh the benefits of a roadside assistance plan, particularly if you have an older vehicle. The peace of mind inherent in knowing you or a loved one will have immediate help if issues arise can be well worth the monthly investment. Among other optional services, roadside plans can help arrange a tow, change a flat tire, or jump-start a dead battery, and many will cover the costs of additional emergency services.

Finally, consider stocking your vehicle with a few emergency items, including a cell phone charger; a first aid kit and any critical medications; a flashlight and batteries; snacks and water; jumper cables; a spare tire and a tire gauge; reflectors, cones, or flares; coolant; and cold weather gear, if applicable, such as gloves, a thermal/emergency blanket, hand warmers, a hat, and an ice scraper.

For auto insurance questions, call or contact Strachan Novak Insurance Services today.

We've said it before: the distinction between a small and large business is somewhat arbitrary. At what point in the business growth life cycle do you cross over? One way to answer the question is when your business no longer qualifies for a Business Owners Package Policy. The BOP bundles up several kinds of insurance protection in one policy. But as business become larger the risks they pose become more varied and difficult to address in one policy.

Medium sized businesses can still purchase bundled coverage, like the Commercial Package Policy (CPP), which is roughly analogous to the Business Owners Policy (BOP). The CPP combines Commercial Liability and Commercial Property and some additional policies designed for specific industries like churches, heavy manufacturing or health care providers. Additional policies found in some Commercial Package Policies include Commercial Auto, Boiler and Machinery and Inland Marine. Again, the CPP is usually designed to fit most businesses within a specific industry. But if your business faces special risks or doesn't fit neatly within a generic industry definition, a CPP may not give you the necessary flexibility to address unique needs.

An alternative is to start with the foundation policies, Commercial General Liability (CGL) and Commercial Property. These policies can be obtained through different insurance carriers and modified separately to meet the needs of many complex businesses.

Commercial Property will provide coverage for any building you own or lease, including improvements and permanent fixtures and equipment, business property on premises and personal property of others in your 'care, custody or control'. Depending on your business you may need to add coverage for goods in transit, buildings under construction, business income (interruption expense), data loss, loss due to flood, employee theft and embezzlement among others.

Just to add to the variety, Commercial Property insurance comes in three forms: Basic Form, Broad Form and Special Form. The first, Basic, provides protection against loss from the more common causes like fire, lightning and wind storm. The Broad Form extends protection to additional perils like water damage and structural collapse. The Special Form protects against all perils unless specifically excluded. Some commonly excluded perils include flood, earthquake, terrorism, wear and tear and insects and vermin.

Commercial General Liability provides an insured business protection for lawsuits, bodily injury or property damage arising chiefly from these areas: ownership or use of a business premises, business operations, contractual agreements, completed operations, personal and advertising injury and products made, sold or distributed.

The policy provides Medical Payments coverage for those injured on a business premises or job site on a no-fault basis. Policies can be issued on either a Claims Made Form or an Occurrence Form.

CGL policies are broad in nature but generally have some coverage removed by endorsement. Some additional coverage your business may need to supplement CGL protection includes Errors and Omissions Insurance (E&O), Directors and Officers Insurance (D&O), Workers Compensation and Environmental Liability.

Because of the complexity of risk medium sized and larger businesses are faced with, it is often best to sit down with an insurance professional. An independent insurance agent is armed with options from several companies and can help you understand and develop the kind of program you need for your business.

For business insurance questions, call or contact Strachan Novak Insurance Services today.

Winter is coming, whether we're ready or not. Every year, despite all of fall's colorful warning signs, shorter days, and brisk mornings, the first blanket of white always seems to come as an abrupt surprise, dusting all that summer gear you never made it around to storing with regret. This year, no regrets! You're going to clean up, check, and double-check your way to being properly prepared. And here's how you're going to do it.

Put summer in storage:

Complete any necessary winterization on outdoor faucets and pumps. Put away bicycles, skateboards, trampolines, and any other outdoor recreation gear that won't weather plunging temps and precipitation well. Clean out and store your summer planters, moisture in the soil can crack them during the winter. Store your planters along with all gardening supplies and hoses.

Clear vents and gutters:

Make sure attic vents and gutters are clear of leaves and debris to prevent water damage and ice dams. You can easily clear your own vents with a leaf blower or pressure washer, but consider hiring a professional for the best, and safest, gutter cleaning.

Check your chimney:

If you have a fireplace or wood stove, get your chimney or flue inspected and cleaned by a certified chimney sweep prior to a new season of use.

Inspect your windows, doors, and roof:

Caulk any gaps in window and door frames to seal out the chill. Replace old weather stripping (General Rule: if you can see daylight around your door, it needs to be re-stripped). Check your roof for any damaged or missing shingles, as well as issues with the flashing around chimneys and vent stacks. A handyman should be able to handle any minor issues; hire a roofing company for larger repairs.

Test your heat:

Have your heating system, vents, or furnace inspected by a licensed technician every year before the temps start to drop.

Install storm windows:

Storm or thermal-pane windows and even plastic window coverings can help to significantly reduce heat loss.

Check your smoke and carbon monoxide detectors:

Check and/or install smoke detectors near any major heating units and test them monthly. Make a dry-chemical fire extinguisher easily accessible and ensure that your family members know where it is and how to use it.

Weatherize your vehicle:

Check your tire tread and replace any tires that don't pass the "penny test." Consider having snow tires installed if you live in an area with frequent ice and snow. Fill your tires to the recommended pressure to optimize performance. Get your oil changed, if necessary, and check antifreeze levels. Make sure your heater works. Inspect your battery. Create an emergency kit for your car that includes a windshield scraper; hats, gloves, and blankets; first aid supplies; tire chains; a flashlight; water and shelf-stable snack foods; a shovel; an emergency phone charger; flares; and any other items you might need if you become stranded.

For insurance questions, call or contact Strachan Novak Insurance Services today.

Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people in Ohio and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits.

Coverage Parameters:

Coverage parameters are one of the reasons to take a closer look at your policy, particularly considering the increasing regularity of natural disasters throughout the country. Many policies don't automatically include coverage for earthquakes or floods, for instance, but few people realize they lack coverage until they file a claim and it's too late. Following are a few steps you can take to ensure that you have adequate coverage at an affordable price.

Coverage Amount:

When determining the amount of coverage you need, focus on the house itself. Obtain a current square foot replacement cost from your regional homebuilder's association (not your home's appraised value, as that includes land costs, which may be as much as 50 percent) and multiply your square footage by that number to determine your coverage need. If your area is prone to one or more natural disasters, it may prove cost-effective to pay a bit more to secure a guaranteed replacement policy and avoid inflated labor/material costs if such a disaster occurs.

Disaster Insurance:

Speaking of disasters, don't presume that you are covered. As aforementioned, many homeowners don't realize they lack coverage for specific calamities until it is too late. Read the fine print. Generally, most policies don't cover damage from flooding, earthquakes, or landslides. They also commonly exclude mold, broken pipes, sewage backups, and a host of other routine-maintenance-related susceptibilities. Adding a couple hundred dollars worth of coverage for specific problems such as these could save tens of thousands in damages over the long term.

Cost-Effective Packages:

Premiums will inevitably shift over time, but homeowners generally want to base their policy on the highest deductible they can afford to obtain the most competitively reasonable premium. Whether you have a flat rate deductible or one based on a percentage of the insured value, check your numbers annually to make sure you've obtained the most cost-effective package you can get based on your current income and coverage needs.

When you've secured the best possible policy, conduct a home inventory. Collect relevant documentation and store it, along with your insurance policy, in a fire-safe lockbox or in a secure cloud account. Keeping a digital copy of these materials can provide additional peace of mind in case of an emergency.

For your hom insurance questions, call or contact Strachan Novak Insurance Services today.

Distracted driving is defined as engaging in any activity that takes your attention away from driving: It can be considered manual, when you move your hands from the wheel; visual, when you focus your eyes away from the road; cognitive, when your mind wanders to other tasks; or any combination of the three. Cambridge Mobile Telematics (CMT), the world's largest telematics provider, just released its 2022 U.S. Distracted Driving Report, and the results are staggering, with distracted driving levels at their highest point since the pandemic's onset. "Over the past two years, distracted driving has been like a pandemic within a pandemic, increasing at alarming rates and changing drivers' behaviors as the pandemic wears on. As more drivers hit the nation's roads, this intensified distraction will put even more people at risk," says Ryan McMahon, vice president of strategy at CMT.

According to the National Highway Traffic Safety Administration (NHTSA), distracted driving accounted for over 3,100 of the more than 38,000 people killed in road crashes in 2020, the highest death toll in over a decade. (Though, experts believe distraction-related deaths are likely much higher and appear less significant due to difficulty tracking distracted driving prior to a crash.) And, perhaps of greatest concern, approximately one of every five people killed by a distracted driver was walking, riding a bike, or otherwise outside of a vehicle.

The danger appears to be even greater amongst teens, where fatal crashes are three times more likely than for drivers over the age of 20 (according to IIHS.org); driver distraction accounts for more than 58 percent of crashes (according to the AAA Foundation for Traffic Safety); and nine percent of all crash-related teen fatalities are distraction affected (according to the Centers for Disease Control and Prevention).

Cell phone use while driving is a primary culprit for distraction-affected crashes. Consistently underreported, distracted driving crashes are most often linked with cell phone use, which accounted for an estimated 27% of all car crashes in 2015, according to the National Safety Council (NSC). Texting involves all three forms of distraction, taking visual focus from the road for an average five seconds at a time, which is enough time to cover a football field while driving at 55 mph (according to NHTSA). Meanwhile, the University of Utah found that those who drive and talk on the phone are as impaired as those who drive at the .08 legal blood alcohol limit, and cell phone use, in general, increases the likelihood of an accident by more than five times. And yet, with all of these statistics and ever-increasing awareness, drivers don't seem to be changing their ways. While just under 85 percent of drivers acknowledge the dangers of cellphone use while driving, almost 40 percent admit to engaging in the behavior regardless.

So, what can you do to help?

• Keep your eyes on the road and your brain focused on driving.
• Teach your children to respect your need to focus while driving, for their safety and the safety of others.
• Keep cell phones and other devices out of sight while driving to minimize temptation.
• And, finally, help others do the same by sharing what you know.

For auto insurance questions, call or contact Strachan Novak Insurance Services today.

Does your home need a new paint job or a quick refresh on the trim? Are the gutters overflowing with the remains of fall foliage? Or are larger issues demanding immediate attention, like doors and windows, the roof, or the foundation? Whether you thrive on weekends filled with do-it-yourself projects or hide at the mere suggestion, summer's long days and generally agreeable weather in Ohio offer the ideal opportunity to take on the range of home maintenance and improvement tasks to preserve value and functionality for years to come. Here are a few considerations for fixing up the exterior of your home in the months to come.

• Replace damaged or missing shingles: Surprisingly simple, this project is best undertaken during cooler temps to avoid damage to other shingles
• Inspect chimney: Clean and inspect the chimney and surrounding area, repairing cracks and seals, and installing a rain cap if necessary
• Replace vent flashing: Prevent leaks by double checking and replacing as needed
• Windows: Power wash all windows, clear debris from basement windows, and apply new weatherstripping as needed; most other issues (aside from broken glass) can be addressed with a Google search and some basic DIY savvy
• Doors: Power wash and replace any damaged doors; apply new weatherstripping around all doors to keep the heat out during the summer and in during the winter
• Gutters: Clear of debris, clean, repair any leaking seams, patch holes, apply splash guards if desired, and replace missing end caps
• Lawn: Feed, address weeds, and manage patches and bare spots by consulting your local garden store for the best fits for your needs and lifestyle
• Irrigation: check lines for leaks or damage, inspecting each rotor and head by zone for proper direction and distribution of water
• Siding: Seal holes in aluminum and vinyl; replace and repair wood
• Decks: Replace broken boards and loose or popped nails, install an angle brace to prevent sway; clean with a pressure washer; refinish, apply a restoration coating, or install tiles for a sharp new look and increased longevity
• Add a roof under a deck or balcony to catch water and improve aesthetics
• Inspect exterior vents, covers, and dampers for functionality and cleanliness, removing buildup and blockages as needed
• Check water spigots for leaks and repair accordingly
• Replace air filters: Create a schedule to check and replace regularly to minimize allergens and illness
• Remove tree stumps: With a little patience, a drill, and tree stump removal chemicals, you can safely and effectively remove stumps in just a few weeks
• Foundation: Inspect for leaks and damage, consulting a professional as needed
• Tree work: Remove dead or fallen branches from trees and shrubs
• Fencing: Clean with a power washer and make necessary repairs and touch-ups
• Asphalt: Repair pits with patching material and cracks with filler
• Concrete: Repair cracked concrete with caulk
• Exterior stairs: Fix any chipped or broken stairs or steps
• Driveway: Seal your driveway
• Paint: refresh trim, touch up as needed, or give the whole home a new coat to protect against moisture
• Other: Finish outdoor wood surfaces

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

As gentle spring breezes give way to summer's scorching temps, many without air conditioning in Ohio will struggle to keep their homes cool. But all is not lost in the absence of central air. There are many simple, tried-and-true measures you can take to bring comfort back to the summer months.

Use your Windows Wisely

Open windows at night, paying particular attention to moving air through the home via cross breezes created by opposing windows and well-situated fans. During the day, if the air outside is hotter than the air inside, keep windows closed with shades and drapes drawn to block sunlight's heating effect.

Weather Stripping for the Win

We typically only consider insulation during the winter months, but inexpensive weather stripping can also prevent the loss of cool air around doors and windows. And you can apply it yourself in a matter of minutes! Updating attic and wall insulation might also be worth its weight in home-improvement headaches: it helps keeps the cool in during the summer, just as well as it keeps the cold out during the winter.

Timing is Everything

The hot summer months aren't the time to recreate the Great British Baking Show at home. Nothing undermines all your heat prevention methods faster than a hot oven. Opt for outdoor grilling and fresh summer menus. Save any necessary baking for cooler evening hours. The same goes for laundry: postpone dryer time for later in the evening or try some old-school line drying for enviably fresh linens.

Make Fans Work for You

Situate fans in the coolest parts of your house and angle them toward hotter areas; place them in front of open windows at night to forcefully circulate cooler air; and consider placing a wet sheet in front of open windows with a fan in front to further cool incoming breezes. Finally, set your ceiling fans to rotate counter-clockwise to push air down.

Manage Humidity

While dehumidifiers won't drop temperatures, they can mitigate the oppressive wet blanket of sticky air that descends on more humid areas during the summer months. Humidity decreases the rate at which sweat evaporates - the body's natural cooling process. Moderating humidity could mean all the difference between manageable and miserable summer months.

Replace Incandescent Bulbs

It may seem like the least of your worries, but old bulbs give off a lot of heat. Make the switch to LED or CFL (compact fluorescent lamps) to drop that heat hit to zero and save on your electric bill to boot.

Create Some Shade

Awnings over windows and porches can create shade where blazing sun might otherwise reign. Making your yard work for you by planting a tree, or several, may also be worth it. It may take a while to create enough cooling shade to significantly impact home temperatures, but mature landscaping adds beauty and value to your property in the process.

For insurance questions, call or contact Strachan Novak Insurance Services today.

Summer's generally agreeable weather and extended daylight hours in Ohio make it an ideal season to tackle renovations, remodels, and other household fix-its. Still, these projects aren't without inherent challenges and risks. A little due diligence at the onset can do much to minimize unhappy surprises and make for successful, stress-free (or, at least, as close as it gets) renovations.

1. Dial 811 before you dig. Flooding and electrical issues comprise some of the most common, problematic, and costly remodeling mishaps. No one wants a swimming pool for a basement, backyard electrocution, or raw sewage fertilizer. To avoid, always call 811 - the underground utility service line that notifies necessary utilities of impending work - a few days before you intend to dig. Companies can then send out service personnel to mark lines, preventing problems before they begin.
2. Protective gear can mean all the difference in situations of predictable exposure and the unfortunate accidents that seem par for any renovation course, so suit up. Maybe you're painting or installing carpeting, perhaps you're demolishing an old wall to make way for a new open concept, or maybe you're just lucky enough to uncover a delightful vermin infestation or a wasp nest, step on a nail, or reveal mold growth behind that old shower. Lead, asbestos, mold, and high-VOC materials are all toxic, dangerous, and can have long-term impacts on health. Donning full-coverage clothing; hard-soled, close-toed shoes; and protective masks, headsets, and eyewear can keep you safe and healthy during the demo or painting. And, in cases of larger renovations where exposures or infestations are of concern, hire a professional: They have tools for that.
3. Speaking of mold, be sure to consider proper ventilation in all bathroom and kitchen remodels, both during the remodel and in the final layout. Both spaces are notoriously poorly ventilated, paving the way for science experiments only your children will find exciting. When cleaning up mold blooms, wear a mask and do your best to move spore-laden air out of living spaces as efficiently as possible. While you're at it, make sure you don't recreate the same mess for the next do-it-yourselfer by planning for ventilation needs and installing necessary fans - most experts recommend one 100 CFM (cubic feet per minute) fan per appliance - and windows where possible.
4. Avoid the temptation to save money by cutting corners, going with the cheapest products and providers, or skimping on the budget. You get what you pay for and your home should be the last place you apply penny-pinching frugality. Ask around, check out business reviews, and consult with local interior design and home stores for recommendations on products and services, carefully weighing budget against bid and reputation. Set aside a portion of the total project budget for problems: they're going to happen and it's always better to be prepared. While you're at it, if flooring changes are in the plan, order extra to make up for cuts, breakage, and loss; you'll need it.
5. Finally, manage expectations and expect the unexpected. Unless your renovation is intended to end in tears, divorce, or dismemberment, take time to rest. Breathe deeply anywhere except areas of mold growth, asbestos, and VOCs - laugh at the mistakes, take accidents in stride, and, when all else fails, take your frustrations out with a sledgehammer.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

As prices for gas, consumer products and services rise often insurance costs follow the same trend. Insurance premiums for car insurance can vary based on multiple factors. Here are 8 tips to think about when trying to lower your car insurance premium.

1. Remove physical damage coverage for older vehicles.
2. Take the highest deductibles you think you can afford. Two way benefits: immediate credit for higher deductible and less likely increases due to claim frequency.
3. Check insurance costs before buying new vehicles. Insurance costs for sport and high performance vehicles can be dramatically higher. Especially if drivers have limited experience or a spotty driving record.
4. Bundle your insurance policies. You may be able to get a discount for having multiple policies with the same insurance company.
5. Drive safely, stay off of your phone, avoid accidents and poor driving convictions. Driving record is sure to have a big impact.
6. Take advantage of credits. Credits abound and vary by company, both in terms of availability and amount. Two common credits were mentioned earlier: higher deductibles and multiple policy. Some others include, safe driver, good student, safety devices (anti-lock brakes, air bags), anti-theft devices, day time running lights are a few.
7. Low mileage discounts. Some companies will offer discounts for vehicles that are not driven often.
8. Your needs change and sometimes it is time to switch insurance companies. That's why we are here. We do our best to keep up with your insurance needs but, if you ever feel it is time for a change, let us know. As an independent agent we represent many insurance companies and will save you time and bother in reviewing options for you.

For any car insurance questions, call or contact Strachan Novak Insurance Services today.

As winter thaws into spring blossoms, summer beckons with backyard cookouts and campfires under the stars. Like many people in Ohio, spring also means an overhaul of all the recreational toys and gear that make those summertime adventures comfortable, including the family camper. Here are some considerations when readying your RV for all the camping and travel expeditions ahead.

1. Check your tires, batteries, and propane tanks. Chilly winter months and exposure to elements can cause damage and deflation to tires. In fact, RV tires generally lose up to three psi of air pressure each month when stored inside and those kept outside or in colder climes will lose even more. In the best case scenario, underinflated tires can impact general wear and overall handling for your rig; in the worst, they can lead to accidents. Inspect all tires for damage and use a tire pressure gauge to check each tire, reinflating as needed to meet manufacturer's recommendations.
   
   While you're at it, check and charge RV batteries. Check the water level in the battery, adding distilled water as needed to cover the plates and then, with the battery charger turned off, attach it to the RV charger. Turn the charger on and charge to capacity, this could take a few hours or days, depending on battery size.
   
   Finally, inspect propane tanks (and hoses) for leaks, fill or replace as necessary, and reinstall, keeping in mind that some states require regular recertification of refillable propane tanks.
2. Inspect the interior and exterior. Check for damage and leaks inside and out, particularly on the roof, and reseal and repair as needed. Inspect for signs of critters and pests, mitigating as needed for safety and cleanliness. Check all battery- and propane-powered appliances to ensure they are in working order. Don't forget to make sure the hitch components are free of rust and functional, as well.
3. Clean and restock. Air your RV out and give the interiors a thorough deep clean, paying special attention to windows, air vents, and upholstered surfaces. Restock pantry, cleaning, bathroom, and emergency supplies, replacing expired first aid kit components and all water and air filters. Check all safety devices: smoke alarm, fire extinguisher, carbon monoxide detector and LP detector to ensure they are in working order.
4. Inspect, flush, and sanitize the water system. You will need to flush the system if you added non-toxic RV antifreeze to prevent pipes from freezing. First, drain the holding tank. Then, add potable water, turn the water pump on, and allow all faucets and showers to run for a few minutes and flush the toilet several times. When the water runs clear, close the faucets, and turn off the pump. Next, switch your water heater out of bypass mode; if you did not switch to bypass for winter, you will need to drain the antifreeze from the water heater tank and dispose of it appropriately. Then, replace any water filters you may have removed when storing and dump gray and black water tanks at official sites. Finally, sanitize your system by adding diluted bleach (one-quarter cup mixed with one gallon of water) to your freshwater tank. You will need one gallon of this mixture for every 15 gallons your tank holds. Fill your tank the rest of the way with water, turn the water pump on, open all faucets, and run the water until you smell bleach. Then, close the faucets and allow it to sit for three to 12 hours before draining the system. Refill with fresh water and flush until it no longer smells of bleach. If you find any leaks to the system throughout the process, repair as needed.
5. Check your engine and generator. Check engine and generator oil levels and look for any visible damage that might impact function; when in doubt, have them professionally inspected and repaired.
6. Make sure your papers are current. Lastly, make sure that your registration, insurance, and emissions sticker (if required) are all up to date and stored in an easily accessed spot in your RV.

Carefully de-winterizing your RV ensures happy campers all season long. For any insurance questions, including those about your RV, call or contact Strachan Novak Insurance Services today.

While the bluster and bite of winter may still reign over much of the country, spring melts and the months of outdoor recreation they usher forth are just around the corner. Now is the time to survey summer gear and prepare for the active months ahead. Boating, camping, and cycling gear can all benefit from a seasonal tune-up. Here are some recommendations for fun summer adventuring.

Boating:

Boat maintenance is critical for the longevity and safety of your vessel, both on and off the water. The following should be completed prior to your craft's maiden voyage each season.

• Register - Make sure your registration is current to avoid expensive fines.
• Clean - A quick wash inside and out with mild detergent prevents mold, stains, and the spread of invasive aquatic species. A final scrub and rinse with a boat hull cleaner will make your boat shine.
• Inspect and Repair - Check for and repair any scratches, cracks, or damage that may impair safety and seaworthiness. Examine trolling motor and power trim as well.
• Battery and Engine - Check that your boat's battery has a sufficient charge and clean corrosion off terminals with baking soda and water. Then, drain old engine fuel, change the oil if necessary, and start it to ensure it's running properly.
• Lights - Test any lights that may be legally necessary for early morning or late night trips.
• Trailer - Check trailer tire pressure, test the wheels independently, and confirm lights are in working order.
• Safety Gear - Review gear for size and state law requirements to verify compliance. Finally, check for a functional fire extinguisher and first aid kit, as well.

Camping:

Taking a few minutes to inspect all your camping gear can save time, energy, and a host of headaches when camping season arrives. Give tents and sleeping bags a good shake, air out or clean if possible, and check seams for any necessary repairs. For tent camping, make sure you have all tent poles and stakes, sleeping mats, and supplies for inclement weather. Gather, clean, and/or replace cooking tools and supplies that may have expired. Finally, make sure you have functional lanterns and flashlights, with batteries for both, and any necessary safety, first aid, and survival gear.

Cycling:

Whether you're headed up into the mountains or just taking a lazy trip around town, your bike will benefit from a quick tune-up prior to regular use. An initial wipe down to clear away last year's grime may reveal areas of rust that require attention or replacement, particularly with brake cables and chains. Regardless, all chains benefit from a quick cleaning with degreasing solvent and a smear of chain lubricant. Comprehensive chain cleaning kits can be a great option, as well. Next, review and tighten brake cables, nuts, and bolts, making adjustments and further lubricating if needed. Make sure your fork is properly aligned and secure. Check all quick releases and tighten if necessary. Fill your tires and check reflective and other bike lights. Finally, take your bike for a quick spin, shifting through all gears to check for any further issues. If anything needs expert attention, take it to a local bike shop for a professional tune-up.

For any questions, call or contact Strachan Novak Insurance Services today.

Business travelers, and the travel managers who plan for them, have different concerns when it comes to addressing unexpected inconveniences. Corporate travel insurance policies can be a great fit for any business looking to mitigate expenses related to company travel, including non-refundable costs associated with emergency flight or hotel changes, necessary medical treatments for traveling employees, and equipment or property loss. While canceled flights, missed connections, baggage delays, and medical emergencies are difficult for any traveler, there are unique considerations for corporate travelers and specific provisions for the business travel insurance policies that cover them.

What is business travel insurance?

Most business travelers rest assured that, should travel disruptions incur financial burdens or schedule changes, their employers will cover those costs and take care of any additional related needs. As such, corporate travelers' insurance needs may differ from those of the average traveler's comprehensive policy. Business travel insurance coverage can provide for emergency medical expenses, work and job loss related trip cancellations and interruptions, travel assistance services, corporate equipment damage and/or loss, baggage delays, and more. Corporate insurance travel policies typically include provisions for both medical care and property loss or damage.

Medical Coverage:

Travel managers should consult with appropriate human resources personnel to ascertain current workplace healthcare plan terms of benefits when determining the best options for travel insurance, both for national and international travel. Some domestic medical insurance plans cover international emergency care, while others don't. Even when covered, international medical care may be limited in scope and only partially reimbursed. A travel medical insurance plan can address those limitations and offer additional or complete coverage in cases of an emergency. Plans may also provide for emergency evacuation to a hospital, provider, or a center that is recognized by the medical community as delivering the highest level of care for appropriate treatment if one is not otherwise readily available.

Property Loss & Damage:

Medical emergencies aren't the only concern for many travel managers: employees traveling with expensive company equipment typically necessary for corporate meetings such as laptops, smartphones, and other electronic devices can be equally stressful. Baggage loss and property damage coverage is another important component of an adequate business travel insurance policy. Limitations of reimbursement can vary widely with these policies so travel managers should be sure to research the best fit based on traveler luggage/equipment value. In cases of significant baggage value, it may be worth the extra research and premium to find a specialized corporate travel plan, as they can offer considerably higher reimbursements for damages and loss.

A Note on Assistance Services:

Some policies may also include provisions for a variety of helpful and worthwhile assistance services including, but not limited to: travel information, medical, concierge, identity theft, business, and security.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

You get to the end of your flight reservation and the page comes up: For a few extra dollars, would you like to purchase travel insurance for your trip? Or maybe you're planning that once in a lifetime trip, and an experienced agent has suggested you purchase a travel policy. So what should you do?

These days, travel can be a serious gamble. Not only is it more commonplace for reservations of all types to be changed by the vendor; but it's becoming more likely that your flight, hotel, or Broadway show will actually be canceled. Leaving you high and dry, and, sometimes, without any recourse. There are several different types of travel insurance, which can be purchased alone or in combination. Travel insurance can cover a variety of issues, including:

• Missed, canceled, or delayed flights and transportation
• Emergency medical care
• Lost or stolen belongings
• Trip cancellation
• Rental car damage

Whether it makes sense to invest in a travel insurance policy really depends on the type of trip, where you're going, how you plan to get there, and how much time, effort and resources you have put into putting it all together. If it's a once in a lifetime trip that you've put thousands of hours and dollars into planning, it's probably a really good idea to have some sort of insurance in place. Not only does travel insurance protect you if something goes wrong on the trip: it can help you to recover expenses if you have to cancel because of an injury or a death in the family, for example.

Travel insurance is also strongly recommended if your travel carries a higher level of risk: perhaps you are traveling to a dangerous area or for the purpose of doing an extreme outdoor activity. On the other hand, in some cases purchasing travel insurance might mean that you're actually doubling up on protection that you already have through the travel company or your homeowner's insurance. Be sure to read the fine print, talk to your insurance agent, and review the coverage that you already have so that you're not purchasing coverage that's redundant.

Of course, the cost of any travel insurance plan will depend on quite a few different factors, like how many people are going, where you are traveling, and the overall cost of the trip. The good news is that if you decide travel insurance makes sense, it's generally very affordable, in the range of 5-10 percent of your total trip cost. That means for a trip that costs about $1000, you're going to be paying $50-$100. Not bad when you consider what you could lose if something totally unexpected happens to prevent you from going or staying on the trip.

The bottom line? Travel insurance is not always warranted, but it's often a good investment.

For any of your insurance questions, call or contact Strachan Novak Insurance Services today.

The holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.

Fire damage: The holiday season can bring a very real uptick in potential fire hazards, including Christmas trees and decorations, those shiny gifts under the tree, and the increased use of electrical outlets and fireplaces, just to name a few things.

How to stay safe: Make sure your tree, gifts, and other decorations are placed well away from outlets, space heaters, and other potential fire sources. Use outlets appropriately: never overload them or use adapters to bypass what the outlet can safely handle. Make sure all cords and wiring (including Christmas lights) are free from damage and working properly.

Accidents and injuries: When celebrating the season involves climbing on the roof to put up lights and inflatables, standing on a tall ladder to put the star atop the tree, and consuming more alcohol than you might at other times of year, All while there's ice and snow everywhere, there are bound to be some accidents. And if someone outside of your family is injured doing any of these things on your property, you're the one who could be liable.

How to stay safe: Use ladders correctly and always have a buddy to help you out and keep watch, especially if you're placing decorations outdoors. Keep your walkways free from ice and snow to protect yourself and your neighbors. Serve alcohol responsibly, and don't allow guests to engage in rowdy behavior or unsafe practices at your home. And never let your guests drive home if they are intoxicated.

Theft: With increased travel and social activities, there are unfortunately more opportunities for theft to occur, both at your home and while you're out and about.

How to stay safe: Always secure valuable items if you are hosting people at your home. Use motion lighting and an alarm system to keep your home protected. Make a habit of locking your car, especially when you're out shopping for gifts.

Car accidents: Icy roads and boozy gatherings can make for a dangerous combination. Winter weather, driving at night or while tired, and multiple other factors can make accidents even more likely.

How to stay safe: Keep your car well maintained. Plan for the weather and give yourself plenty of time to get wherever you are going. Never drive while intoxicated, and have a backup plan if you are going to celebrate. Travel with enough gas, a spare tire, and an emergency kit, just in case.

As we dive into the holidays, make sure you have adequate insurance coverage on your home and property, and that your liability coverage is appropriate to your risk. That way, no matter how the season unfolds, you'll know that you are safe and protected.

For all of your insurance questions, call or contact Strachan Novak Insurance Services today.

While we covered the basics of homeowner's insurance last week, now we'll take a closer look at the contents portion of insurance policies, also known as Coverage C. This part of your policy applies to the contents of your home and can help to replace or repair those items if they are stolen or damaged due to any of the named perils that apply to your overall policy. But just because your homeowner's policy includes contents coverage doesn't mean you simply need to sign on the dotted line. You should take steps to make sure your coverage will truly be effective should the contents of your home and especially your most valued and important possessions be stolen, damaged, or vandalized.

What's the value of your home's contents?

The first step towards getting an accurate picture of how much coverage you need is to evaluate your home's contents, room by room, and to create a home inventory. According to the Insurance Information Institute, only 49 percent of homeowners take the time to complete this critical step. Take photos or videos and do your research until you can estimate the worth of your basic possessions. In addition, make note of any valuables, antiques, artwork, or expensive equipment and have them professionally appraised if necessary.

How should I choose a coverage limit?

A standard homeowner's policy will reimburse you for stolen or damaged items up to a certain amount, but with your newly created home inventory in hand, you can make sure your coverage limit actually reflects the value of what's in your home.

What's the difference between replacement value and actual cash value?

When it comes to contents coverage and even the coverage of your home itself, replacement value versus actual cost is an important concept to understand. Basically, replacement value means that you get reimbursed for what it will actually cost you to replace that item, while actual cash value means you only get reimbursed for what the item is currently worth. For example, if you rely on a laptop for your livelihood and it gets stolen or damaged, if you have replacement value coverage you can simply buy a new, comparable laptop; while actual cash value would only cover the cost of your depreciated laptop. There's no right choice, but you should think carefully about which type of coverage makes the most sense for you.

What is a "floater policy" and when should I get one?

Your homeowner's insurance will cover valuables like jewelry and artwork, but only up to a certain amount. If you have done an accurate inventory of your home's contents and raised your coverage limits to accommodate those items, that may be all you need. But if increasing your coverage limits doesn't cut it when it comes to your most precious valuables, you might want to look into a "floater policy". This type of policy will give you more comprehensive coverage for specific items and can sometimes include named perils that are not in your regular homeowner's policy.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

For any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.

According to the Insurance Information Institute, a homeowner's policy generally covers four things:

• The structure
• Personal belongings
• Living expenses (if your home is damaged and you cannot stay there)
• Liability

Here are some things you should know as you work with your insurance agent to find coverage that works for you and your family.

Looking at covered perils

A traditional homeowner's policy will kick in if your home is damaged by fire, a hurricane, vandalism, theft or a number of other "covered perils," but it does not apply if that peril is not named as part of your coverage. If you live in an area that is at high risk for a flood or an earthquake, for example, you may need to purchase an additional insurance policy to have those perils covered. Be sure to conduct an accurate risk assessment and work with your agent so that your coverage is complete.

Homeowners liability coverage

The liability portion of your homeowner's policy protects you in the event that you, your family members or pets cause harm or injury to someone else or their property, whether that occurs at your home or elsewhere. Just as with the other types of coverage in your homeowner's policy, it's important that your liability coverage reflects your personal risk profile and what you potentially stand to lose if you are taken to court. Talk to your insurance agent if you are interested in expanding your liability coverage beyond the typical limit.

Maintaining your home and mitigating your risk

Your insurer expects that as a homeowner, you will perform routine maintenance of your home and attend to your liability risk. If damage or injuries occur due to your negligence, then your insurance policy may not cover it. So be sure to stay up to date with the maintenance of your roof, heating and plumbing systems, and other major areas of home upkeep. In addition, you should always be looking for ways to keep your family and visitors safe on the property. This might mean maintaining a secure gate around your pool, keeping equipment locked up, or just making sure your driveways clear and walkable. If you do your part, your insurance policy will be there for you when a true accident happens.

Next week: In Homeowner's Insurance Part Two, learn more about contents coverage and the best ways to protect your assets and belongings.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

Pets often become more like family members, and in the case of dogs (and the occasional cat), we tend to take them wherever we go. But before you pack up Fido for a summer road trip, it's important to think about how to keep your beloved pet safe when temperatures are extreme.

How Hot is Too Hot?

Pets have different types of fur, and they also have a higher baseline body temperature, which means that your pet does not experience heat the same way you do. Pets cool themselves differently than humans, and some are better able to cool themselves than others. So don't rationalize leaving your pet in hot weather by telling yourself that if you can handle it, so can they. Get to know how your pet reacts to heat when walking, traveling, or spending time outdoors. And if the mercury climbs above 90 degrees, use extreme caution when doing any of these things with your pet.

Tips for Car Travel:

Within minutes, the interior of your car can become sweltering, up to 20 degrees higher than the temperature outside and well beyond what your dog can safely handle. When it's that hot, cracking the windows really makes no difference: your pet could die or be seriously harmed within a very short time period. So if you're considering taking your pet along on a trip, think about it like traveling with a young child. Pay attention to their comfort level and be prepared to stop frequently for potty breaks, water, and walks. Plan your stops along the way, and always have a place for your pet to stay outside the car if you need to leave them alone for a short period.

Pets & Heatstroke:

Just like humans, pets can get heatstroke, and it can be dangerous or even deadly. If your pet's respiratory rate is high, or they show signs of disorientation or even seizures after heat exposure, get them to a vet immediately. Other signs of heat illness in pets include extreme thirst and panting, fever, and vomiting.

Always have your vet's number on hand, and be sure to research emergency vets in the places you are traveling.

To-Do List:

• During warmer months, adjust your dog's schedule so you are not walking them during the hottest hours of the day. Instead, walk in the early morning and late evening.
• Give your pet access to a sprinkler or kid-size pool, or lightly spray them with water to help them cool down.
• Make sure they always have access to water and shade, and never leave them unsupervised for long.
• Never leave your dog alone in a parked car, even with the air conditioning on and/or the windows cracked.
• When it's hot outside, the asphalt will be much hotter. If you wouldn't be able to walk around barefoot without getting burned, it's the same for your pet.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Multiple studies have demonstrated that crime rates increase in the summer. Why? Well, the answer is complex, but researchers have suggested that some of the reasons include:

• Homeowners/renters tend to be away from home more during the summer months, whether on vacation or enjoying the summer weather outdoors;
• There tends to be more alcohol use and risky behavior during the summer;
• Younger people (who research shows are more likely to commit crimes) are less occupied during the summer;
• Research shows that higher temperatures can put people on edge and make them more aggressive.

And this year, in particular, the pandemic may be adding to this effect, as several major cities are seeing an abnormal spike in violent crime as they emerge from COVID-19 restrictions and people resume their normal activities.

Prevention Tips:

If you're a homeowner or renter, here are some things you can do to protect your family and property in light of these alarming trends.

Install a Security System: Not everyone can afford an expensive security system, but you might be surprised at some of the affordable options out there - many of which you can install on your own. Many of these work with smartphones and/or smart speakers for 24/7 monitoring, and offer peace of mind while you're away.

Lighting: Motion sensors and outdoor lighting have been proved effective for deterring potential thefts. Keep doorways and walkways well-lit to prevent break-ins, and consider using timers for indoor lighting when you spend time away from home.

Upgrade Locks: If you live in an older home, there's a good chance that the locks are outdated. Even if your home does have decent locks, consider installing smart locks, which can be controlled and monitored remotely.

Build a Support Community: Getting to know your neighbors and local business owners is a good way to create a safer community overall. When you know the people in your neighborhood, and have a sense of their comings and goings, it's more likely that you'll be looking out for each other and that you'll notice anything suspicious. It also means that you can call if there's a problem, someone to pick up your mail, and someone you can help out in return.

Planning for Vacations: Arrange to have any mail, packages, or deliveries picked up in a timely manner; let trusted neighbors know you will be away, and ask them to keep an eye on your home; consider hiring a house sitter; use a timed lighting system to make it look like the home is in use; and make sure all windows and doors are locked before you leave.

For all of your home insurance questions, call or contact Strachan Novak Insurance Services today.

Heat-related illnesses are serious business. When left untreated, the symptoms of heat exhaustion can turn into heatstroke, which is life-threatening. During the prime summer months, this can be a big problem and one that can creep up on you, since the signs and symptoms of heatstroke can often look like something else. With normal summer temperatures slowly increasing around the globe, it's even more important to understand how heatstroke occurs and how you can prevent it.

Understanding Heat-Related Illnesses:

Essentially, heatstroke happens when your body dangerously overheats, outpacing its ability to cool itself down by sweating. Extreme temperatures are of course a risk factor, but you can also get heat-related illnesses if you're exercising in regular summertime hot weather (especially when you're not used to it) or a very humid climate. Wearing heavy or restrictive clothing, drinking alcohol, or otherwise being dehydrated can also make heat stroke more likely.

Risk Factors for Heatstroke:

The CDC cautions that people ages 65 and older, infants and young children, and those with obesity, heart disease, and other chronic illnesses are at greater risk of getting heat-related illnesses. Taking certain medications can also make it more likely you might experience heat stroke.

Heatstroke vs. Heat Exhaustion:

Heat exhaustion and heat stroke are on a continuum, with heatstroke at the more serious end of the spectrum. Essentially, heat exhaustion begins when you start experiencing symptoms related to your body overheating; a heat stroke happens when your core body temperature reaches 103 degrees. Heatstroke can cause vital organs like your brain and kidneys to swell, resulting in irreversible damage or death. Both are extremely serious conditions, so if you notice any signs of heat exhaustion, get help immediately.

Signs & Symptoms:

Heat exhaustion and heatstroke can happen faster than you might expect. Symptoms and warning signs include:

• Sunburn or heat rash
• Headache
• Excessive sweating
• Muscle fatigue or cramps
• Confusion or agitation
• Nausea and vomiting
• Rapid heartbeat
• Skin that is cool to the touch
• Chills or shivering
• Loss of consciousness

Prevention:

Check the heat index: Different from temperature, the heat index is calculated by combining the humidity level with the temperature for a more accurate picture of how the day's heat will feel to a human body. If the heat index is above 90 degrees, use extreme caution when spending time or being active outdoors.

Stay in the shade: Try to stay out of the direct sun for prolonged periods of time. Bring an umbrella and be sure to take plenty of breaks in the shade.

Hydrate: Drinking enough water is hugely important if you're spending time outdoors in hot temperatures. Avoiding alcohol, which causes dehydration, is also a really good idea.

Dress appropriately: Wear light, breathable fabrics, and don't forget a hat and sunglasses to protect your eyes and skin.

What to do if you Suspect Heatstroke:

If you think you or someone else has heat stroke, get out of the sun, hydrate slowly, and rest. Use cool water, not ice water, on your skin or to drink (ice water can actually make your condition worse). If you suspect heatstroke, or if heat exhaustion symptoms do not start to resolve right away, call 911 or get to the emergency room immediately. Wait until your symptoms are completely gone before resuming any physical activity.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Recreational Vehicle (RV) sales soared during the pandemic, as stir-crazy families across the U.S. realized that road trips might be the safest and only way to get out of the house. And according to recent consumer reports, the trend shows no signs of slowing.

If you're a brand new RV owner preparing to hit the road, here's a checklist of things to do before you hit the road:

Practice Driving: Although in most cases you do not need a special license or training to drive an RV (unless your RV is over a certain weight, depending on your state), it's not the same as driving a car, van, or truck. It will be well worth your time to practice, take a course, or even hire a personal coach to help you learn the ropes.

Check the weather: Anticipating weather conditions can be especially important when you're driving an RV. Even in the summer, thunderstorms, flash floods, extreme heat, and other conditions can easily ratchet up the danger and make safe driving extremely difficult. Give yourself the flexibility to adjust your schedule based on the weather, and don't force yourself to keep going when it isn't safe.

Plan landing spots: The question with RVs is always where you're going to stay for the night and you can't always park just anywhere. Before you hit the road, map out campgrounds, RV parks, or well-lit parking lots at businesses that are friendly to RV travelers, and try to find multiple options along each day's route.

Stay secure: Just like you might with a home that stays put, you can outfit your RV with cameras, smart locks, and other security system technology that will make you safer inside or when you leave your RV unattended.

Plan for health emergencies: When you're on the road, a health emergency can be a very different and more challenging experience than when you're at home. If you're traveling frequently or for an extended period, anticipate that people might get sick or injured and need medical care. Be sure to have backup supplies of important medications, emergency numbers, and any medical information or records that you might need if someone needs to go to the urgent care or hospital.

Anticipate breakdowns: Having some kind of roadside assistance is a must if you're going to be doing a ton of traveling. These programs are often affordable, and if you ever have to get towed or break down in the middle of the night, will be well worth their cost.

Stay safe inside: Before you bed down in your home-away-from-home, be sure all the doors and windows are locked and the blinds and curtains are drawn. Take care of any campground fees, parking meters, or anything else that might result in your being disrupted during the night or early morning. And if someone knocks on your door after you have retired? Seasoned RV-ers say: Don't answer it, especially if you're in unfamiliar territory. It's better to get an angry note or a ticket than to open your door to someone who might wish you harm.

For all of your auto insurance questions, call or contact Strachan Novak Insurance Services today.

Recently, we covered the basics of commercial umbrella insurance: What is it, and is it right for your business? This month, we'll get into a few more details, and look at some of the instances in which commercial umbrella insurance might apply.

What Commercial Umbrella Insurance Covers

Commercial umbrella insurance is all about extending different types of liability coverage. In this day and age, getting sued is a real risk, and we can't always predict the many ways things could go wrong during the course of day-to-day business operations. And when large settlements, sometimes in the millions of dollars are becoming more and more common, it's increasingly possible that your company could get hit with a judgment that your primary liability policy can't handle. That means that if you're held responsible and owe 2 million dollars, but your insurance policy maxes out at 1.5 million, well, you're on the hook for a whole lot of money, which you may not be able to afford without putting your business and other assets on the line.

Different Types of Liability

As a small business owner, you probably have general liability insurance, commercial auto insurance, and worker's compensation insurance. Commercial umbrella insurance can be purchased to enhance liability coverage for any of these policies, or for all three.

In addition, commercial umbrella insurance will sometimes cover costs that your primary policy may not have covered, such as legal fees. Commercial umbrella insurance also might come into play in the following situations:

• A customer or employee is severely injured on your business property.
• You get sued for libel or slander.
• An employee uses a copyrighted image or song without securing appropriate permission.
• You cause major damage to a customer's property in the course of business operations.
• A defective or damaged product injures a customer or employee.
• An employee gets into an auto accident, which injures someone else.

Things to Know Before Purchasing Commercial Umbrella Insurance

• You must have the right underlying policy: Commercial umbrella insurance cannot be purchased without having a primary policy, and it will not kick in until the limits on that policy are met.
• There are some things a commercial umbrella policy probably will not cover, including professional errors, damage to your personal or business property, and discrimination lawsuits.
• If you have to use your commercial umbrella insurance policy, it may be applied automatically, or you might need to file two separate claims.

If you work in an industry with a lot of unknown risks, commercial umbrella insurance may be right for you. Talk to your insurance agent to find out how to add this extra layer of protection to your business.

For any business-related insurance questions, call or contact Strachan Novak Insurance Services today.

Having a seasonal home in your favorite vacation spot is part of the American dream for many families. But a seasonal home requires maintenance and protection, which is difficult to do when you're not there most of the time. Since second homes and vacation homes often sit unoccupied for months, they can be a target for theft and vandalism. Plus, if a problem occurs, you might not be around to catch it before the damage becomes serious. For these reasons, second homes often carry more risk from the perspective of an insurance company. But that doesn't mean a second home can't still be a great investment. Here's what you should consider when purchasing and insuring your seasonal home.

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According to the U.S. Fire Administration, clothes dryers contribute to nearly 3,000 fires, 5 deaths and over $35 million in property loss each year. So making sure your dryer vent is clear is a simple but important way to keep your home and family safer. Even in the absence of fire, clogged vents cause your dryer to be less effective resulting in greater use of electricity and more breakdowns. If you find your dryer is taking longer and longer to fully dry a load of laundry, chances are your vent has become blocked with lint.

Failure to clean the dryer is the leading cause of home clothes dryer fires. (Over 34 percent)

• Dryer vents should be cleaned at least one a year but there are a number of factors that may dictate more frequent cleaning.
• The greater the length of the vent duct, the more frequent the vent should be cleaned. Dryers, which used to be located almost exclusively in basements or outside laundry areas, are often located adjacent to living areas in newer dwellings. This frequently requires a greater distance to vent to the outdoors. Clogged vents with gas dryers in living areas can result in poisonous carbon monoxide back up into the home.
• Straight is better: the fewer bends in vent conduit, the slower the build up of lint and the less frequent the necessity of cleaning.
• Older or smaller dryers are generally are less efficient and will promote somewhat greater lint build up.

Some other safety considerations:

• The dryer duct should be at least the same diameter as the dryer vent.
• Duct material, particularly if concealed, should be made of semi-rigid, non-flamable metal material. Avoid accordion plastic or foil.
• The dryer should vent outdoors, not into a crawl space or attic and not into a chimney or other vent.
• Dryer duct should be secured using metal tape, not screws or non-metal tape.
• Never leave home with the dryer running.
• Be sure to clean the lint filter before drying each new load of clothes.
• Consult you dryer installation manual for exact requirements for you dryer.

For all of your homeowner insurance questions, call or contact Strachan Novak Insurance Services today.

All business owners in Ohio need solid, affordable insurance, and many companies require multiple types. But what happens when something goes wrong and your insurance doesn't cover it? If the cost to pay for injury to others exceeds your policy limits, or worse, is excluded by the insurance policies you have, you could be stuck with potentially crippling out-of-pocket costs.

These types of situations can put your business at serious financial risk, and this is where commercial umbrella insurance comes in. As the term "umbrella" implies, a commercial insurance policy can give you extra coverage in a variety of situations, when your regular insurance just doesn't cut it.

What is commercial umbrella insurance?

A commercial umbrella insurance policy is a supplemental policy that comes into play when the cost of damages for which your business is legally liable goes beyond your policy's limits, or when you have reached the maximum payout allowed by your carrier. In some cases liability claims that may not be covered at all by primary insurance policies may be covered by umbrella insurance.

The former type of umbrella insurance is sometimes referred to as excess liability coverage, the latter is often called gap coverage.

You can add commercial umbrella insurance to your commercial auto coverage, worker's compensation, or general liability policy.

Commercial umbrella insurance extends your liability coverage, so it can protect you in a wide variety of situations where you might be held liable for causing damage to a customer's property, injuries that happen at your place of business or during the course of your work, and many other scenarios where you or your business is the liable party, even if the damage or injury happens away from your business premises.

Do you need commercial umbrella insurance?

If you have an insurance policy that makes sense for your business and risk profile, you should be protected in many situations. However, depending on what industry you're in, there's a lot that can go wrong. Just one liability claim that exceeds your policy's limits might be enough to put you out of business so it makes sense to at least consider commercial umbrella insurance as part of your business protection portfolio

Commercial umbrella insurance kicks in after your regular insurance coverage is exhausted, and sometimes reaches down into those excluded situations in many insurance policies, so it's important to look at your primary policies first. A qualified insurance agent can help you to find potential gaps in coverage and decide whether a commercial umbrella policy is right for your business. They can also help you decide where, exactly, to extend your coverage, and by how much.

For all of your business insurance questions, call or contact Strachan Novak Insurance Services today.

Training employees can be costly and time-consuming. Even if you don't work in an industry with a high turnover rate, we now live in an era where many people switch careers multiple times in their lifetime, making it harder to find employees you can really nurture and invest in the long term. So how do you decide how much time, money, and energy to invest in training new employees? Consider these things to help you decide how to develop your workforce in a way that makes the most sense for your business.

Training for Success:

No matter what type of business you have, it's important to give new employees the basic knowledge and skills they need to be successful. At a minimum, every business should have a training program and company orientation that ensures new employees have clear expectations for performance, professional behavior, and the way you would like things done. Giving new employees a solid foundation will help you to assess their performance more accurately when you're looking at professional development possibilities.

Before Investing in Employees:

Investing in your employees can pay huge dividends, but how do you know whether it will be worth it? Answering this question depends on the position, the employee, and your long term goals as a business owner. Will the training directly benefit your employee's performance at work, and will that employee be around long enough to make the investment worthwhile? Is the staff member someone you want to support and encourage as they grow into a more challenging position? Could the training directly or indirectly benefit your business as a whole? For example, could one person share what they have learned with the rest of the group? And if the employee were to leave not long after receiving the training, would you regret having paid for it? There is no right or wrong answer to any of these questions, but asking them will help you to make a decision that is right for you.

Exploring Whole Staff Training:

One great way to improve employee performance that will benefit your business across the board is to provide training for the entire staff. This may cost you some time and lost revenue upfront, but approaching staff development this way avoids some of the potential downsides of providing additional training just to individual employees. In addition, having your entire staff participate in a workshop or training session can boost morale, increase unity, and remind everyone why their work matters. This can have a positive ripple effect that will impact everyone's performance and boost your bottom line.

Choosing a Course of Action:

If you've decided that you want to invest in advanced training for individual employees or your entire staff, where should you begin? If your staff development needs aren't already apparent, one way to start would be to ask employees what kind of training would help them to do better in their positions. Another option is to work with company leaders to find out what your staff's weaknesses are, and seek out training or education that can address them. Tailor your offerings to your company's true needs to get the most buy-in and the best result.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

If you're a small business owner, chances are the pandemic has been especially tough on you and your family. You may have had to change your business model, lay off employees or worse, close up shop indefinitely. But what about your employees? If you're a small business owner looking to support your staff through the pandemic, here's what you need to know.

How the pandemic has affected small businesses...

According to a new Economic Impact Report from Yelp, over 150,000 businesses have closed during the pandemic, and over half of those businesses don't plan to reopen, ever. So if your business is still up and running or will be again at some point, count yourself among the lucky. Even businesses that are doing well during this time are still having to hustle and adapt to COVID restrictions and changing customer demands. The bottom line: no business or industry has come away unscathed.

What employees are going through...

If you have employees, whether they're part-time, full time, or somewhere in between, it's likely that they're grateful to have a job. But that doesn't mean that everything is smooth sailing; in fact, they may be struggling more than you think. Many workers are reporting higher levels of depression, anxiety, and burnout, and are feeling less able to meet their mental, emotional, and material needs.

How employers can help...

The first step to being a more supportive employer is pretty simple: ask your employees how they're doing. Just asking the question will make your staff feel valued and take some of the pressure off. The next step, obviously, is doing what you can to help. Perhaps there are ways your business can provide across the board support, like offering counseling services or building more flexibility into employees' schedules. If you or your business doesn't have a lot of extra resources to spare right now, that's OK too. Simple gestures like reaching out to check in and let people know you care or sending an email offering encouragement and support can be especially meaningful.

What to do when you have to make tough decisions...

As a business owner, it can be excruciating to have to lay people off or let them know that you can't afford to pay them. Having compassion for yourself is critical when you have to make these tough decisions. Decisions you obviously would avoid making if you could. If you do need to let someone go, it's important to be kind but clear. Do what you can to provide a recommendation or help someone find a new position elsewhere. And if it's the truth, let your employee know that the door will be open if one day your business is restored to better health.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Good tires that are in good shape are critical to safe driving. Every driver should know a little bit about how to assess their tires and how to purchase new ones when they're needed.

How do I know when I need new tires?

There are a few things that might indicate you need new tires. First, if your tires are older you may need to get them replaced (experts say anywhere between 6-10 years). At the very least, you should get them checked out. The second method is what's known as "the penny test." Insert a penny into the groove of your tire, and if the tread doesn't reach the top of Abe Lincoln's head, that means it's very worn down and your tires are in trouble. Finally, if you simply have no idea whether you need new tires, just ask! Be sure to use a mechanic you trust, and if they do suggest you get one or more tires replaced, have them explain their reasoning.

Do I need winter tires or will all-season tires do?

Most experts agree that winter or studded snow tires make a significant difference for those who regularly drive in serious winter weather. If you live in a climate that sees real snow, ice, and sub-zero temperatures, and you can afford snow tires, then it's definitely worth it. If you live in a temperate climate, all weather tires should be just fine.

Do I have to replace all four tires at once?

Not necessarily. Sometimes one or more of your tires will become worn and need replacement sooner than the others. A good mechanic will tell you which tires are still decent, and which ones definitely need to be replaced.

How do I know what kind of tires I need?

Your vehicle manual will tell you the basic specifications and requirements necessary for tires on your car. After that, it depends on performance, durability, and other factors that matter to you. Consult Consumer Reports, read customer reviews, and do some research to find the best options for your car, lifestyle, and budget.

What are tips for shopping for tires?

There are a few things that can help you get the best deal on a set of new tires. If replacing your tires is not urgent, it may be worth waiting for a better price. Contact your local tire retailers to find out if they have any upcoming sales or seasonal deals. Another simple way to save money is to do a little shopping around. Once you have determined the tires you need, just make a phone call to three or four places to get an average price and negotiate the best deal.

Are you ready for a flat tire?

As long as you're thinking about tires, it might be a good time to think about what you would do if one of them went flat. When you get your tires checked or changed, be sure to also look at your spare and make sure it's in decent condition and the air pressure is OK. Be sure that you have the tools to change the tire, and know how to use it. Don't neglect your tires this winter, and they won't neglect you.

For any of your auto insurance questions, call or contact Strachan Novak Insurance Services today.

Because you can't keep an eye on it all the time, you want your second home or rural property to stay well-maintained and protected. There are many things you can do to keep your land and buildings safe and prevent problems that can arise when a property is unattended.

Invest in a smart home security system:

Security systems these days are advanced and comprehensive. Smart home technology has made it easy for homeowners to know and even see in real time what's happening on their property, even from miles away. Many systems can trigger automatic alerts to both the homeowner and emergency personnel. Some even offer 24/7 live support. But even if you don't go for the fancy stuff, a good alarm system, motion sensor and timed lights, and video surveillance in key places can go a long way towards giving you peace of mind and a way to keep tabs on the place.

Hire a property manager:

Not only will a good property manager regularly inspect your property in person, they will also know how to take care of and prevent common problems that occur when homes go unoccupied for part of the year. They can keep the sidewalks clear and the lawn mowed, make sure the pipes don't freeze, and deal with those branches that broke off during a recent storm. In addition, a property manager can prepare your home for your arrival; warming things up, purchasing basic necessities, and turning the lights on for your arrival.

Schedule maintenance while you're away:

Every home and property needs regular upkeep. But there are some systems that can suffer when they're left unattended for long periods of time. Scheduling regular maintenance throughout the year and especially when you're away can keep your property in tip top shape, but it can also be another way to stay in touch and identify potential problems. Consider having your trees trimmed, your roof or heating system inspected, or just hiring the kid next door to rake the leaves and regularly shovel the walk.

Share the wealth:

If you only spend a few weeks or months a year at your second property, consider renting it out or sharing with friends and family. If you do the former, there are certainly risks involved but the benefits of gaining a passive income and having the home occupied more often might make them worth it. If you don't need the money, making a second property available to close friends or family can help you to get the most out of your investment and also give you the security of knowing someone's there.

Update your insurance:

Make sure your insurance policy accurately reflects the value of your property, outbuildings and any other valuables or assets on site. This will ensure that should something happen, you will be protected from any important losses. You should also review the policy for any requirements or restrictions on occupancy (for both your family and guests), which may invalidate your coverage if you don't follow them.

For all of your home insurance questions, call or contact Strachan Novak Insurance Services today.

A comprehensive business insurance policy is a must for any business owner. But under what circumstances do you need to take another look at that policy and make important adjustments? Here are some instances when it would be a good idea to revisit your business insurance plan and add to, or change, your coverage.

• Change in employees: Has your staff grown or changed substantially? Are you hiring employees for the first time ever? Make sure you have the necessary worker's comp and liability insurance to cover your staff. And remember, if your business hires over 50 full time workers, you are obligated to offer health insurance and other benefits.
• Change in vehicles or vehicle use: If you add one or more vehicles to help run your business, make sure you have a commercial policy that covers business use. If an accident happens during the course of business operations, a regular auto policy may not protect you.
• Change in goods or services: If your business has evolved to the point where the actual product or service you're offering is different from your original business plan, it might be time to make some adjustments to your insurance policy. This also applies if you're adding goods or services that you didn't initially offer.
• Business is booming or slowing down: Your insurance coverages are based on a valuation of what your business is worth, and the revenue you are or are not making. If your business's income has taken off, or taken a hit, you might want to make some changes so that your insurance policy is giving you the right amount of coverage.
• Your assets have changed: If your business has acquired any new assets; whether it be equipment, land, materials, technology, or anything else. Act right away to make sure these valuable items are covered, before it's too late.
• You take on more risk: The other major factor insurance companies use to determine your coverage and premiums is how much risk you're carrying. If your business has taken on more risk, it's important to let your insurance agent know and re-evaluate your coverage.
• Review your policy: It's always a good idea to thoughtfully review your business insurance coverages when they are up for renewal. Make sure your insurance really matches your unique situation and that the coverage amounts make sense. In addition, you should always read the fine print and be sure to understand your policies in detail, so that you understand the circumstances under which you'll be covered, and what exclusions you need to know about.

The bottom line... Having a strong business insurance policy is critical to your peace of mind and to protect your business in the long term. If your business undergoes a substantial change, you may want to revisit your insurance coverage to make sure you stay protected. When in doubt, contact your insurance agent for guidance and to keep your policy up to date.

For any of your business insurance questions, call or contact Strachan Novak Insurance Services today.

For business owners, operating during a pandemic is complicated to say the least. You want to do the right thing by your staff and customers, without losing the business you love. In many cases, there is a lot you can do to make patronizing and working at your business safer for everyone.

Seven tips for social distancing during business hours:

Require face coverings: Encouraging mask wearing is the one, no-brainer action you can do to reduce the spread of COVID-19 at your business and in your community. If you don't live in a state or city with a mask mandate, be a leader and require or strongly suggest patrons wear one. Mask wearing keeps people safe, and also will make customers and employees feel safer coming into your store or office.

Limit occupancy: Updating your occupancy threshold will depend on a number of factors, including the square footage of your space, whether its layout allows people to easily keep a six foot distance, ventilation, and number of exits. Take the time to determine how many people can safely be in the building, and make a plan to enforce that limit.

Post signage: Clear signs can start the job of reminding customers to wear face coverings and keep their distance, as well as why these things are important. Post clear signage for both employees and patrons in order to make your expectations clear.

Use floor markers: Many of us are becoming very familiar with the distance of six feet, but it's not always intuitive and sometimes we forget. Whether you purchase fancy decals or use inexpensive tape, mark six feet measurements in high traffic areas to remind people to keep their distance.

Rearrange: The way you arrange the space within your business can help and encourage patrons to keep a safe distance apart. Remove extra furniture if necessary to keep the flow of traffic open and allow for plenty of space.

Rehearse: Unfortunately, some business owners may have to deal with patrons who refuse to follow the rules. Work out a clear plan about how to handle those customers and practice with your staff. And don't require new or non-management staff to be enforcers if they're not comfortable.

Think outside the office: In order to survive through the pandemic, most businesses are going to have to pivot. Can you move part of your business online? Meet customers outdoors? Let employees work from home? Offer delivery services? Take time to brainstorm creative ways to keep your business running in a way that minimizes interaction and keeps everyone safer for the time being.

Remember, keeping your business open depends on controlling the virus in your community. Doing your part to keep everyone safe will ultimately make it more likely that your business will stay afloat in the long run.

For all of your business insurance questions, call or contact Strachan Novak Insurance Services today.

This summer, during these unprecedented times, families are taking to the road as a way to vacation in the safest way possible during the pandemic. While driving may minimize your risk of contracting COVID-19, it isn't always the safest way to travel - in fact, the summer months are some of the most dangerous to be on the road. Here are the top 10 risks that you should be aware of if you're planning on taking that summer road trip.

1. Weather: Summer weather can be just as unpredictable as winter weather, so don't skip checking the forecast. Be sure your vehicle, and your driver, is prepared for extreme rainstorms, sweltering heat, and everything in between.
2. Intoxicated Drivers: Summer can be an especially dangerous time for driving in part because of all the outdoor celebrations and activities, which often involve alcohol. Make a commitment to never drive under the influence, and always have a backup plan if you're going to celebrate. Also, if you notice someone who is driving erratically, call 911 to report them and to potentially curb an accident.
3. Extreme Heat: Hot weather can harm children, pets, and other sensitive individuals, so make sure the air conditioning in your vehicle is working before you leave town. Never leave pets or humans in a hot car, even for a few minutes. Wear sunscreen, as you can get a sunburn even while driving, and pack an umbrella or seek shade if you want to take a break from driving without going indoors.
4. Poor Visibility: On those long two lane roads, it's tempting to blow past that driver who is going just a little too slowly in front of you, but don't do it unless you have plenty of room and a clear path ahead. Use your running lights to make sure others can see you, too.
5. Road Construction: Road projects often kick into high gear over the summer, and they can make driving more challenging and tedious. Check ahead for construction projects on your route, and be sure to stay focused while you're navigating them.
6. Risky Driving: Don't let dry roads lull you into thinking you can relax at the wheel. Be wary of driving too fast or too close to others, only pass in passing lanes, and make sure to focus on the road.
7. Fatigue: Driving while you're sleepy can be just as dangerous as driving while intoxicated. If you plan to drive for a long stretch, be willing to stop and rest if you're feeling drowsy, or even stay somewhere overnight if necessary.
8. Smartphones: While we all know that it's not a good idea to drive with our phones within reach, many of us do it anyway. Minimize your risk of an accident by using a smartphone mount, and ask your passengers to help if you need to send a text or access navigation.
9. Delays: Delays can cause stress and affect your ability to drive, especially if you didn't expect them and are anxious to reach your destination. Anticipate construction, accidents, bathroom breaks, and thunderstorms. Don't be surprised when one or more of them arise.
10. Other Drivers: Maybe you're the safest driver out there, even in the summer months. But motor vehicle safety statistics show that many drivers are taking unnecessary risks while driving in the summer. Be cautious of others on the road, and keep your distance or take a break from driving if necessary to keep your family safe.

For any of your auto insurance questions, call or contact Strachan Novak Insurance Services today.

Summer in Ohio is almost here and, unfortunately, the global pandemic we've been faced with is still here too. While most of the country, and the world for that matter, are reopening, fears of a resurgence still linger, and we are faced with the unknown. Around the nation, everything from festivals to summer camps have been cancelled, vacation plans have changed, and we're all wondering if summer will even feel like summer at all.

Fortunately, summer fun hasn't been cancelled. Here are some ways to keep your family and loved ones safe, and still have fun during this unusual social distancing summer.

Embrace the Outdoors: Spending time at a park, campground, on a trail, or another open space is a great way to socialize while maintaining social distance. Take a family picnic, go for a long hike with friends, bring a book, or just meet a friend for a 6-feet-apart, pandemic-approved hangout.

Take a staycation: The fewer people you come into contact with, the lower your risk of getting COVID-19. Try camping in the backyard, building a bedroom fort with your kids, or taking a virtual tour of a historic site to keep things interesting while staying home.

Attend events safely: Some people are extremely concerned about contracting the virus, or they're simply high risk; others are not. If you aren't comfortable going to an in-person event, don't go. On the other hand, if you mask up and follow safety and social distancing guidelines when you're in public spaces, you can still enjoy live events, like birthday parties and live music.

Host a small gathering: It's not against the rules to spend time with friends and family, but it's still a good idea to socialize in smaller groups. Host an outdoor cocktail hour with single-serving foods, and a "bring your own beverage" set-up.

Catch up on yard work and home projects: In most cases, people have already been working on these. But what better time to get 'er done than during a social distance summer.

Some Reminders:

Carry a mask: Having to wear a mask is not ideal, but it's a small price to pay for getting to visit with others and do your own errands. Many places are now requiring face coverings anyway, so make sure you always have one available. Wherever you are, be respectful and follow posted guidelines or social norms for mask wearing.

Wash your hands: Be sure to wash your hands thoroughly after you have been out and about, especially if you have visited a business or public area. Remember the tips: Use hot water and a generous amount of soap, scrub for as long as it takes you to sing "Happy Birthday" twice, and turn off the faucet with a clean towel, not your hands.

Pretend it's you: Many people who have contracted COVID-19 walked around with it for at least a few days spreading the virus around before knowing they were sick. If you're struggling to embrace current safety requirements, imagine you're the sick one, and do your part to protect others.

Maintain social distance: As you go about your life and errands, do your best to keep a distance of 6 feet.

Protect others: If you feel ill, stay home, period.

Stay up to date: Every state is in a different phase of reopening or shutdown, and that may fluctuate over the summer. Be sure to stay in the know about your state and county guidelines, and follow current restrictions.

For any health or home insurance questions, call or contact Strachan Novak Insurance Services today.

With COVID-19 fresh on the mind and social distancing a new way of life, this summer may not be like any in recent history. But having more time at home means you can't tackle some of those projects you've been putting on the back burner for months, or even years. Here are some ideas for projects to embark on this summer.

Painting:

Need to touch up the walls in the kitchen? Always wanted to paint your bedroom a calming color of blue? This summer is a great time to work on painting projects, for many reasons. One, the supplies for this project are simple, relatively inexpensive and easy to acquire without too much interaction. Two, what else do you have to do?

Starting a Garden:

Whether you want to expand on your existing garden or are just getting started from scratch, this summer is the perfect time to work on your gardening skills. Your garden can be as simple or as complex as you like, but there's not much of a downside if things do not go as planned. Plus, if things work out, you might just make your family a little more self-sustaining, and get to enjoy some amazingly fresh vegetables to boot.

Deep Cleaning:

Cleaning may not be as glamorous as some other at-home projects but if you approach it the right way, it can be just as satisfying. Take on just one room or area at a time, and get down to the nitty gritty to make any space in your home feel brand new.

DIY Renovations:

If you have a DIY or small renovation project you've been dreaming of getting done, now's the time. With the internet and YouTube, there are not many things you can't learn to do yourself online and you might even be able to find remote expert help and support. But remember, if anything major goes wrong, pick up the phone and call in a professional.

Building/Refinishing a Deck:

There's no better way to enjoy your neighborhood and now, your neighbors than building a deck. For a construction newbie, it can be a fairly simple project, and when you're finished, you'll be able to enjoy many things from a safe distance.

Creating Outdoor Living Spaces:

It may be a necessity to stay home a little more this summer, but that doesn't mean you have to keep staring at the same four walls and driving each other crazy. Creating an outdoor space gives you another option, and a way to enjoy the fresh air and sunshine without having to venture someplace crowded with people. Spruce up your porch with chairs, twinkly lights and curtains; purchase an outdoor canopy; or just arrange an outdoor rug and some garden furniture to give yourself a perfect spot for summer lounging or remote working.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

If there's one thing that research points out, it's that teens are, literally, the worst drivers. According to the CDC, motor vehicle crashes are a leading cause of death for teenagers, and the risk of motor vehicle crashes is higher among teens aged 16-19 than among any other age group. So while your teen is probably thrilled to be driving, and you're probably thrilled to not be driving them everywhere, it's important to continue teaching them how to stay safe and smart on the road. Luckily, teenagers are stubborn but still pretty impressionable. Here are the most important things you can instill in your brand new teenage driver, and guidelines to have them follow.

Start slowly: A teenager with a brand new driver's license is even more likely to get into an accident than her slightly older counterparts. For the first few months, limit excursions to simple trips during the daytime with few or no passengers.

Wear a seatbelt: Despite all our warnings, many teenagers are going to get into accidents. Wearing a seatbelt greatly reduces their chance of death or serious injury if they do. The best way to instill this habit is to insist that your children wear a seatbelt 100 percent of the time, well before they become teenagers and for you to do it as well.

Don't text: Distracted driving has become just as deadly as driving while tired or intoxicated. Research by the AAA Foundation for Traffic Safety found that distraction was a factor in 58 percent of crashes involving teen drivers. Show your teen how to use smartphone settings for driving, and teach them never to text and drive, period.

Set rules about passengers: When it comes to driving with a teenager, not all passengers are created equal. Teens are much more likely to have an accident when they're transporting other teens. In addition, some provisional licenses have limits on the number or type of passengers a teen can drive with. Be crystal clear with your teen about who they can have in the car and under what circumstances, and don't be afraid to say no to letting them drive with certain friends.

Practice for peer pressure: When the risk is of looking uncool or not fitting in, it can be overwhelmingly hard for a teenager to say "no" to giving an obnoxious friend a ride home, making an extra stop, or to getting in the car with someone who has been drinking. Brainstorm and practice for these difficult situations so that your teen will be able to hold their boundaries and confidently say no when it really matters.

Make it safe to call: Your teen needs to know that, no matter what, they can call you for help if they get into a situation where they can't or don't want to drive.

Don't speed: Speeding and tailgating greatly increases the chance of an accident for a teen driver. Make sure your teen knows that getting there late is OK if it means getting there safe.

Respect road conditions: Driving at night or in bad weather are two high-risk scenarios for new, young drivers. Of course, it's important that your teen gets to practice in difficult conditions, but make sure they know to be extra-vigilant and that it's perfectly acceptable to wait for things to improve.

For all of your insurance questions, call or contact Strachan Novak Insurance Services today.

Getting married this summer? Read on for ways that marriage affects insurance and other financial considerations to handle before tying the knot...

When you decided to get married, you probably weren't thinking about all the great insurance benefits you could get, just by tying the knot. But it's true that marriage can improve your financial picture if you take time to review your accounts and policies and figure out what benefits you can get as a married couple. So when you're working out those important details of married life, like the right way to fill a dishwasher, don't forget to also take the time to talk about finances and insurance. Here are a few things you should discuss:

The Big Picture:

There's no right way to do finances as a couple. But one thing that guarantees that finances will become a contentious issue is avoiding talking about them. Before your big day, make sure to get everything on the table: be honest about any and all debt; share your financial goals and habits; and talk about how you plan to handle money as a couple.

Health insurance:

Depending on your costs and coverages, it may make sense for you and your new spouse to stick with your own individual health insurance plans. But don't put off looking into it, because time is of the essence.

Generally, you generally have 60 days to make a change to any employee-sponsored health insurance after a major life event, such as marriage or childbirth. After that, you will have to wait until open enrollment season comes around again.

Life insurance:

If you don't have kids, getting married might be the first time you start to think seriously about life insurance.

For some, tying the knot is a logical step towards having kids and building a family. But even if that family is just you and your spouse, it's a big deal to know that someone is depending on your sticking around, and vice versa. Talk to your insurance agent to find out what type of life insurance policy will protect your loved ones and give you peace of mind.

Car insurance:

Depending on your respective driving records and policies, you might save a lot of money by bundling your auto policies. Consider also that if you're going to be sharing vehicles, it's important that everyone who uses the vehicle regularly is covered.

Home / Renter's Insurance:

If getting married also means a shift in living arrangement, it's a good idea to review your homeowner's or renter's insurance to make sure you're covered. Mainly, you want to think about your assets and belongings, and make sure your current policy provides the coverage you need for both you and your spouse. If you or your new partner have an art collection, expensive sports equipment, or anything else that won't be adequately covered under your current policy, you may need to adjust your coverage or purchase a separate rider to insure important valuables.

For any questions about insurance for your new family, call or contact Strachan Novak Insurance Services today.

Most people rely on dozens of appliances to support their daily tasks and activities, including small but significant tools like alarm clocks or hairdryers; toasters and stand mixers; and heavy hitters like the dishwasher or washing machine. So, how do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.

Keep them clean:

Whether we're talking about the coils on your refrigerator, the tray in your toaster or the filter in your dishwasher, it's important to keep your appliances clean and well maintained. This will not only extend their life, it will also help them to run more smoothly. In addition, keeping appliances clean and in good shape can help you to avoid dangerous accidents like a fire in your toaster oven. Make sure to change filters on the recommended schedule, and keep your appliances free of dust, grease and debris.

Read and follow the manual:

When you purchase an appliance that is user-friendly, reading the manual might seem unnecessary but don't overlook it. Your appliances may have limits for example, you don't want to overload your washer and dryer, or leave a heating pad unattended. Following the manufacturer's guidelines will ensure your safety and help to extend the life of the product.

Practice electrical safety:

It's a good idea to keep small appliances unplugged when not in use. It's also recommended that major appliances be plugged into separate outlets and don't use en extension cord. Check regularly for frayed cords, burn marks, or other signs that the appliance's wiring has gone bad. In these cases, it's usually safer to replace the appliance or get it professionally fixed.

When to replace an appliance:

Believe it or not, sometimes it actually will cost you more money and effort to hang onto an appliance than to simply get a new one. It's pretty obvious when an appliance has completely broken down and is no longer working. But you should also look for more subtle signs, as well as red flags for safety. If an appliance isn't doing its job that well your hair dryer is not getting quite as hot, or the food in the fridge doesn't seem to be as cold it might be time to have the appliance looked at or, if the consult is going to be more expensive, replaced. The other thing to look for are red flags: if an appliance is overheating, has a frayed cord, or is throwing sparks, don't risk it either get the appliance fixed, or throw it out.

For all of you home insurance questions, call or contact Strachan Novak Insurance Services today.

As the end of the year approaches, it's a good time to take inventory, reflect on the past, and make plans for future goals. You might consider your relationships, professional life, health, financial situation, or all of the above. Don't forget to also take stock of your insurance coverage and make necessary adjustments based on things that have changed over the past year. Here are some of the most important areas to consider:

Property: Maybe you were lucky enough to get an out-of-this world holiday gift. Or maybe this year saw the purchase of a new bike, a pair of skis, piece of art, or something else you've always wanted. If you've added anything valuable to your personal property, make sure it's properly accounted for and covered by your insurance, no matter where you use it.

Home: Did you upgrade your home, landscaping, or outdoor living spaces over the summer? Is there any area of your home that needs repair or maintenance? Review your homeowner's policy to make sure you're fulfilling any obligations that might exclude you from coverage for certain risks, and to ensure that your home and its contents are covered.

Health: Make sure you're getting maximum value from your policy by taking advantage of preventative services, prescription drug benefits and Health Savings Accounts. Update your insurer on anything that's changed over the past year, whether that be your address or family status. Also check the status of your deductible, and make plans to use your policy accordingly for the remainder of the year. Finally, look ahead and start considering policies for next year.

Auto: Review your policy to make sure you have the coverages you want, and that all family members and vehicles are covered properly. It's also a great time to look for discounts, take advantage of rewards plans, and ask about ways to save on your car insurance.

Business: As tax season nears, it's a good time to review your business owner's policy so you know that you're meeting all insurance requirements for doing business in your state. Ask your insurance agent about additional coverages you may need. And make sure you're up to date on employee insurance, such as Worker's Comp.

The Future: Finally, be sure to talk to Strachan Novak Insurance Services about ways to save, either by bundling policies together or taking action to reduce your risk. Ask about special coverages that might apply to your property or situation.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Running a small business in Ohio can bring daily challenges, from minor equipment breakdowns to staff or customer injuries; or damage to your building caused by a storm or break in. These daily obstacles are the cost of doing business, but if you're not prepared, they can keep your business from moving forward or even force you to close your doors. That's why every small business owner needs a great business owner's policy (BOP). A business owner's policy combines multiple necessary insurance coverages into one package for a reduced price. Here's what you need to know to find the right policy for your business:

Much like a homeowner's policy, a good business owner's policy will give you several basic coverages

What a Business Owner's Policy covers:

• Liability: If a person is injured on your property or as a result of using your goods or services, liability coverage helps to cover medical and legal costs.
• Property: This part of your policy covers damage to buildings, equipment or other property caused by certain named "perils", such as fire, theft, or wind-damage. It's also possible to get a more robust policy that provides "open-peril" coverage. (This is known as a special, rather than standard, policy.)
• Business interruption: If you can't open your business due to damages related to a covered peril, this type of coverage will reimburse you for lost income and other expenses.

Extending your policy

You can extend your business owner's policy to get extra protection for things like important papers, property in transit or kept off site, or electronic media. You can also purchase endorsements for things that are not normally covered, such as earthquake damage; or to add liability coverage to a vehicle used for company business. Talk to your insurance agent to find out which additional coverages you need for your business.

When a BOP isn't enough

Some types of businesses won't qualify for a business owner's policy because they carry too much risk. Your insurance agent will help you to determine if you are eligible and help to figure out your premium. But even if you do go with a BOP, you may need extra coverage in order to fully protect yourself and your business. A business owner's policy won't include liquor liability insurance; basic employee insurances like worker's compensation, health or disability insurance; commercial vehicle insurance; or malpractice insurance. Again, your insurance agent can help you to determine whether you need a separate policy to protect some aspect of your business, liability or property.

If you're a small business owner, your company is a source of pride and an opportunity to serve others while living your dream. Make sure you have the right insurance so that everyday challenges don't become obstacles that prevent your dream from becoming a reality.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

All Terrain Vehicles, or ATVs, can provide hours of thrilling fall fun. But they can also be extremely dangerous. Over 100,000 people wind up in the emergency room each year due to ATV accidents. Here's what you need to know to be safe on your ATV, and to help prevent injuries to yourself and others:

Get Started with Safety:

Even if you're an experienced driver, you should still educate yourself on the unique challenges of manning an ATV. Some states require riders to take a safety course in order to get a license; others only require it for drivers under age 16. But regardless of your state's requirements, taking a safety course is always a good idea. Many are offered online, but your best bet is to take a course or workshop where you can receive hands-on practice and training.

ATVs on the Road:

Despite the misleading "all-terrain" in the name, ATVs are not designed to be used on regular roads, pavement especially. The majority of deadly ATV accidents often involving underage drivers occur on paved roads, and many safety experts and child advocacy groups are fighting to maintain restrictions for ATVs on the road. Despite this, some states are relaxing regulations on ATV road use due to heavy lobbying by ATV users. Whatever the law is in your state, it's important to obey all regulations and keep road use to a minimum when you're operating an ATV.

Protecting Children and Adolescents:

Many ATV accidents, injuries and deaths occur when ATVs are used improperly. One thing that's extremely dangerous is allowing an adolescent to drive an adult-sized ATV, or allowing a young person to operate an ATV that is not meant for their age group. The American Academy of Pediatrics recommends that no child under age 16 be allowed to operate an ATV, no matter what size. If you do allow your child to operate an ATV, be sure to follow all age, weight and passenger guidelines.

Common ATV Hazards:

When used according to manufacturer guidelines and with proper safety equipment, ATVs can be tons of fun and relatively safe. Accidents happen when the basic rules are ignored. These include: driving at excessive speeds, making the ATV harder to control; not following age, passenger and weight limits; riding on paved roads; not using proper safety equipment; riding while intoxicated; and riding unsupervised or at night. Be sure to follow all safety guidelines so that your ATV experience is fun and not fatal.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Americans love their stuff. And most of us have things in storage somewhere: the garage, attic, basement, or a storage unit off site. But what's the point of having all these things if they never get used, looked at, or if you can't even remember you have something you need when you actually need it? Here are some tips for downsizing, organizing and storing your stuff in a way that makes sense:

1. Downsize first: Whether you use the fast (but joyful) Marie Kondo method or take a slower approach, take the time to find out whether you really need to store all that stuff in the first place. Room by room, closet by closet, methodically go through your belongings, ruthlessly getting rid of what you no longer need.
2. Document your stuff: Take photos, videos and itemized lists of your stuff. In the event of a claim, having good documentation will help you with your claim. We recommend emailing or storing your photos on a cloud service so these important items are also protected.
3. Insure valuables and other important items: Whether your storage space is at your home or off site, make sure you have coverage for anything that is really valuable or important.
4. Use labels: Whether you use a sharpie on a brown box or buy pretty labels, make sure your containers are clearly labeled, with enough detail that you really know what's inside.
5. Organize storage spaces by frequency of use: If you have a storage space that requires you to pull some things out to get to the stuff in the back, organize it so the things you need most often are closest to the front.
6. Plan for rotation: Having a regular rotation schedule with clothes, recreational equipment, decorations or anything else is a great way to minimize immediate clutter and make sure you're not accumulating a whole bunch of things you don't need. Each time you make a switch, be sure to go through your inventory and discard anything that is no longer useful.
7. Research storage hacks: If you're working with a small kitchen, bedroom, or even just a small home, there are dozens of hacks that will help you to maximize the space.
8. Store like with like: Try to keep like items together or at least have a designated place for your belongings. Developing the habit of putting things away in the same spot will save you time, and give you peace of mind.
9. Pay attention to special items: Art, clothing, photographs and Christmas ornaments should all be stored differently. Take the time to ensure that you're storing and protecting your items properly.
10. Use containers: Boxes, bins and baskets can make any mountain of stuff seem super-organized. Whether you repurpose containers or purchase them, they can be used in your kitchen, bathroom, bedroom or anywhere else.

For all of your home insurance questions, call or contact Strachan Novak Insurance Services today.

Although motorcycle enthusiasts in certain areas of the country are able to ride year round, spring and summer is when most bike owners are finally able to get out there on the open road. Before you take that first ride, make sure that your bike is up to the task and ready to go. Motorcycle maintenance and safety go hand-in-hand, and keeping your bike in great shape will ensure a great ride.

1. Read the manual: Seriously, do it. Every bike is different, and it's important to understand exactly what yours requires. Not only will give you the best overview of how to keep your bike in tip top shape; it might even save you money, because you won't be servicing your bike more often than is truly necessary.
2. Inspect your bike: To start, walk around your motorcycle and do a careful visual inspection. Look for damage, rust, leaks, and anything else that looks suspicious.
3. Fill the fluids: Check oil, brake fluid, transmission fluid, and coolant. Having clean fluids at the right levels will ensure your bike runs properly and that your motor lasts as long as possible.
4. Air filter: Check the air filter and replace if necessary. This filter keeps dirt and debris out of your engine, so it's pretty important.
5. Keep it clean: Cleaning your motorcycle isn't just about looking good while you're out on the road--allowing grime to build up on your bike can also affect performance and cost you money in the long run. Clean your motorcycle while it's cool using cleaning products especially made for motorcycles.
6. Test the battery: Test your battery using a voltmeter to ensure that it's in good condition--and so you don't get stuck on the side of the road somewhere.
7. Check the tires: Evaluate tire treads, check the air pressure, and look for damage. If your tires are older than five years, you should have them looked at by a professional--even if the tread still looks good.
8. Brakes: Learn to check your brake pads by sight, and inspect them frequently during the season to stay safe and protect your motorcycle from unnecessary damage.

Insuring your Bike:

Before you hit the road, make sure you are protected. Motorcycle insurance can usually be purchased through your auto insurer. Much like car insurance, Strachan Novak Insurance Services will take into account what type of bike you have, your driving history, your age and how much coverage you need. Taking a motorcycle-specific safety course can reduce your risk of accident or injury, as well as your insurance costs.

Staying Safe on the Road:

There are many ways to reduce your risk of accident or injury while riding your motorcycle. Taking a safety or riding course can help you to stay current and learn how to drive in challenging conditions. Always wear a full coverage helmet (even if it's not required), and never drive intoxicated. Do your part to keep yourself and other motorists safe on the road.

For all of your car and motorcycle insurance questions, call or contact Strachan Novak Insurance Services today.

It's summer, which means that millions of Americans will soon start packing their cars to go camping, visit the beach or faraway relatives; or to take part in recreational activities like surfing or biking only to find that there's not enough room for all of their stuff. Fortunately, there are many ways to carry that extra gear or cargo on the roof of your vehicle but it's important that you do it safely. Here's all you need to know about securing your stuff before you hit the road.

Use the right equipment for a tie-down job: Ropes and bungee cords are OK for providing extra stability and keeping down loose ends, but it's better to use cam or ratchet straps to secure cargo to your vehicle. Ratchet straps are a little more sturdy and better for larger, heavier items. Go with cam straps if your cargo is lighter, or more fragile and could be damaged by a super tight strap. Both options are budget-friendly and easy to use. Be sure to get the right size and learn how to use the straps properly.

Roof racks: Although you can secure certain cargo or carriers to your car without one, a roof rack is probably a good investment if you plan to regularly transport gear or other items on your roof. If you plan to carry several different types of cargo (kayaks and luggage, for example), be sure to get a rack that can be modified for a variety of uses. Also make sure that the rack you are purchasing has a weight limit compatible with what you would like to be able to haul.

Car top cargo holders: Although they can get pricey, car top carriers are a great option if you simply need more storage space, and you want the convenience of being able to get things in and out quickly, without having to secure them separately each time. Cartop carriers especially hardshell options also have the added benefit of keeping your cargo safe from weather and the elements. When shopping for a car top carrier, consider budget, ease of use, size and durability. Be sure yours is properly installed (by a professional, if necessary) before hitting the road.

Tips and Tricks for Securing Cargo:

• Place cargo on the roof or roof rack so that the weight of the load is evenly distributed.
• Arrange cargo as aerodynamically as possible to prevent it from catching the wind and being lifted off the roof.
• Secure the front and back of your cargo just as well as the sides.
• Take a test drive for a short distance to make sure your cargo is well-secured.
• Attach a red cloth to the end of your cargo if it extends beyond the vehicle.

For all of your auto insurance questions, call or contact Strachan Novak Insurance Services today.

We're all distracted these days. In every moment, there are dozens of things competing for our attention, and well, driving is no exception. Loud music, texting, or an unruly kid in the back seat can threaten to take our focus away from the road just long enough for an accident to happen.

So how do we keep our attention where it needs to be?

Learning and Automaticity:

If you've been driving for a while, chances are that operating a car has become second nature. You might drive to work, school, the health club, and be so preoccupied that you don't even remember the trip. Cognitive scientists call this "automaticity," which is what happens when an activity has been practiced so many times it's become habit--something you couldn't forget how to do if you tried.

The benefit of learning something so deeply is that we don't have to expend so much effort to perform the basic tasks that our lives require: eating, tying our shoes, reading, and yes, driving. In some ways, we become better at those activities because we no longer have to think about the basics and are free to attend to the nuances. But there is a downside to automaticity, too: it's much easier to stop paying attention and "phone in" a task. You may not notice as much; and you might even start to think that multitasking is no big deal. When you're on the road, this can be dangerous.

Staying Focused:

Before you start: Take a few minutes to check both the exterior and interior conditions. Make sure your windows are clear and your mirrors are in the right position. Check out the weather. Clear the driver's seat area. Adjust the heat, music volume, radio station, or anything else that might take your attention away from driving. Take a deep breath.

As you drive: When you're behind the wheel, it's best to become a "uni-tasker": don't talk on the phone, eat a cheeseburger, do your makeup, reach behind you to try and find something on the floor for your kid; and whatever you do, don't text. If you must be in communication--for example, you need to take phone calls during a long commute--use an audio cord or wireless pairing so that you can do it hands-free.

When you need to focus: If you're singing along to your favorite song, having a conversation, or trying to manage siblings in the backseat when a potentially dangerous weather or traffic situation occurs, don't panic. Turn off the music, end the call, or pull over as quickly as possible. If the distraction is inside the car, don't try to take care of it while you're driving.

The best thing you can do improve your focus while driving is to make a commitment to paying attention. Minimize distractions, don't try to multitask, and keep your family safe on the road.

For all of your auto insurance questions, call or contact Strachan Novak Insurance Services today.

Have you thought about safe driving lately?

According to the National Safety Council, someone is killed in a car accident every 15 minutes, and many more are injured each day. Car accidents remain a leading cause of death in the U.S. year after year, and yet, reducing our risk on the road isn't something most of us think about once we've passed the exam and joined the ranks of everyday drivers. Here are some basics to review to make sure that you're doing your part to be a responsible driver, and to protect yourself and your community.

8 Safe Driving Tips:

• Use your seatbelt: It can be tempting to skip the seatbelt when you're just running down the street for eggs, but don't do it. If you're in a crash, wearing a seatbelt sharply reduces your chance of death or injury, by about 50 percent. So always use your seatbelt, especially if you're driving a familiar route; which may cause you to pay less attention.
• Obey speed limits: Speeding makes it more likely you will be in an accident, and can increase your risk of serious injury. Speeding includes both driving over the speed limit and driving too fast in higher-risk conditions, such as bad weather, fog, icy roads or construction areas.
• Stay back: Maintaining a healthy distance from the cars around you can save your life if something happens and you need to stop or react quickly. It's also a good idea to stay away from drivers that are behaving erratically or driving aggressively.
• Pass responsibly: We all know the extremely frustrating experience of being stuck behind a slow driver. But don't let that frustration lead you to make a decision to pass when conditions are not truly safe. Instead, try to relax, back off, take in the view and arrive alive.
• Drive sober: According to the CDC, about 28 percent of all traffic related deaths involve an impaired driver. And yet, every year millions of Americans report getting behind the wheel while intoxicated. Alcohol, prescription drugs and marijuana can all cause impaired driving. If you're not sober, ask someone else to drive.
• Stay awake: Driving while tired can be fatal, and just as dangerous as driving while intoxicated. It may be tempting to just grab a cup of coffee and power through, but if you're too tired to drive it's better to pull over and rest, or switch drivers.
• Check your settings: Before getting on the road, you should always check your mirrors, make sure your front and back windshields are clear, adjust your seat, and generally make sure that you can see and access everything you need to operate your vehicle safely.
• Stay visible: Especially when driving on the freeway, avoid other vehicles' blind spots, and don't loiter in the passing lane. Remember: if you can't see their mirrors, then they can't see you.

Follow these tips and commit to safe driving for yourself and your loved ones.

For more information about auto insurance, call or contact Strachan Novak Insurance Services today.

Selling your home this summer? If so, there are some quick cosmetic fixes that can make a big difference, and starting now can help. Should you make major repairs or improvements to your home before trying to sell? Maybe. But regardless of what you choose, there are several things you can do to make your home more attractive to buyers that won't require a ton of time and money just a little of each.

8 things you can do to make your home more attractive to buyers:

1. Paint: A coat of paint may not be necessary in every room. But if your walls or ceilings are stained, cracked, dull, or dirty, painting is an easy and inexpensive way to make them look fresh and inviting. Stick to neutral colors, and don't feel like you have to paint every surface. If you have some leftover paint, spackle and spot touch ups can be effective, too.
2. Make minor repairs: Give your home a walk-through, looking for minor issues that might make the place seem run down or in poor shape. Taking care of broken doors, cracked walls, damaged windows and other small repairs will make a huge impact on how your home appears to prospective buyers.
3. Clean up: Take a long weekend to clean your home deeply and deal with dirt and clutter. Pay special attention to bathrooms and kitchens, and any areas that may make your home seem yucky or uninviting. Clear countertops, floors, and other visible areas to make rooms feel more spacious, clean, and full of potential.
4. Rearrange: You shouldn't need to buy new furniture to get your house to sell; but it can be helpful to do some rearranging to make the space look great. Consult your realtor or an interior-design minded friend or family member to make each room look the best it can be.
5. Pare down: If you're planning to get rid of broken or outdated furniture, stained carpet, or any other unsightly items before you move, why not do it now? This can open up the space and prevent buyers from getting distracted by damaged items that have nothing to do with the house itself.
6. Replace a few things: Replacing gross shower curtains, old light fixtures, and run down appliances may cost a little money but will save you a much greater cost in the long run.
7. Add flowers: A few potted plants by the front door or some fresh flowers inside will make your home feel bright and welcoming.
8. Pay attention to first impressions: Experts say that painting your front door and doing some maintenance on your home's entrance is a great investment if you're planning to sell. Fix the driveway, tend to the landscaping, paint the fence, and make sure your home looks attractive from the outside, too.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

Your roof needs to be replaced. The kids have been begging for a pool and you've finally succumbed to their incessant requests. You've decided to remodel your outdated bathroom and kitchen. Any change to the structure or use of the property will, more often than not, change your policy. However, you'll never know until you contact your insurance company, which you should do before any type of home renovation.

Some home renovations can reduce insurance premiums

Home renovations don't necessarily mean that your insurance rates will increase. Roof damage makes up the majority of homeowner claims; old roofs and roofing material have a higher risk for claims than those updated, so getting a new roof may help lower your insurance costs. Adding safety features such as security systems, gas detectors, smoke alarms and fences around a backyard or pool can provide discounts and cut costs in your premium in that security is providing you with safety. This goes for updating or replacing your HVAC system, electric and plumbing since these types of upgrades provide a lower hazard risk.

Make sure your insurance protects you during construction

While certain upgrades provide safety discounts, other improvements may require more or different insurance and may result in higher insurance premiums such as more living space, upgrades to kitchen or bathroom, and the installation of a pool. Adding an addition to your home equals more square footage and more value to your home. Insurance companies look at how much it would cost to rebuild your home if a devastating event were to occur. Your new premium would reflect that added square footage. The most important reason you'll want to contact us before the addition is made is to be covered in case something were to happen mid-construction.

From an insurer's point of view, one of the most expensive additions to your home is a pool since not only should you insure the structure, but also obtain liability insurance to prevent against legal action taken against you should someone get injured. Pools and trampolines are known as "attractive nuisances" and require safety precautions and can affect your homeowner insurance premium.

Check with us to make sure your insurance matches your renovation plans

Regardless of the magnitude of your home improvements, it's best to be upfront and honest about what changes are being made so that your policy can reflect and cover your home accordingly. You'll want to have enough coverage while taking advantage of all the possible discounts. Start the conversation with your agent. Home improvement is exciting and insurance doesn't have to dampen that excitement!

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

This past year, it seemed like just about every week there was a new headline about some serious privacy breach, intentional or otherwise, occurring at a major organization. With the increasing popularity of technologies, from genetic testing to health tracking apps and electronic payment services, we're putting more of our important personal information online, and we have less and less understanding of what's being done with that information or how to keep it safe. Here are a few important takeaways from the year in digital privacy, and a few things you can do to make your information safer this year.

Your privacy is up to you:

Don't expect even "good" companies to be looking out for your privacy. When you sign up for a new service, do your best to review the privacy policy. Especially look for whether your information can be shared with advertisers or third parties, and whether there is a way to opt out. Check the security settings right away and change them to suit your needs and comfort level.

There are no guarantees:

There are many things you can do to protect yourself online. But if recent cases have anything to teach us, it's that there is no absolute guarantee that your information will not be shared or hacked. Like your mother taught you, if you really want to keep something private, then don't share it.

There are things you can do:

All the bad news coupled with the fact that we are so connected to and dependent on our devices might make you start to believe that your information will never be safe, no matter what you do. But that's a mistake. Even though you can never be 100 percent certain your privacy won't be compromised, there are many things you can do to protect yourself and, at the very least, make it much more difficult for someone to access your information. When it comes to your bank accounts, health records, and other sensitive data, taking steps to protect yourself is totally doable and totally worth it.

So now that you know it's up to you, here are a few steps you can take to protect yourself online:

• Switch your browser: The service you use to hook into the internet can help to protect you against companies or scammers attempting to access your data. Epic, Tor and Brave are all at the top of the list when it comes to user privacy. Firefox is another user-friendly option that offers consumers plenty of privacy control options.
• Get a password manager: If you're like most people, you suck at passwords. But you can stop thinking about them if you just get a password manager to create complex passwords for you you only need to remember one.
• Install updates: You know those pesky little windows that pop up and remind you to update your system while you're trying to get something done? Stop ignoring them. System updates often provide increased security and protect against ever-evolving cyber threats.

Don't leave your online privacy up to chance. Take steps to protect yourself and keep your information safe.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Owning a business means that you're responsible and often liable for the welfare of your staff and clients. Winter can bring extra hazards and increase the possibility of accidents and injury.

6 steps you can take to protect your business, employees and clients during the winter season:

Educate your staff: Safety begins with a well-trained staff, who know that safety is a priority. Teach winter safety techniques for driving, shoveling, and anything else you're asking your employees to do in extreme weather. Review procedures for reporting injuries, and take steps to create a culture where reporting safety violations is encouraged and rewarded.

Maintain your location: Icy, slippery roads and walkways create some of the most common winter hazards at work; but they're also some of the easiest to take care of. Be sure the roads and walkways around your business are clear, de-iced, and well maintained to prevent injuries to employees and pedestrians.

Have a safety plan: Winter weather can create unique hazards, and it's important to consider them before they happen. Make sure you know what you will do if your business is shut down due to weather, your employees can't get to work, or the building you work in sustains damage from a storm or flood. Purchase extra insurance ahead of time to prevent major losses from any serious business interruptions.

Practice safe driving: Winter driving can present seriously dangerous situations for those traveling on the job or simply trying to make it into work. Make sure your staff is well-trained in winter driving techniques and that all vehicles being used for company business are in good shape and equipped for winter weather.

Use proper snow removal techniques: Chances are, someone on your staff (or maybe it's you) is responsible for clearing snow and ice from around your business. Make sure these workers are trained on proper lifting and shoveling techniques, and that they are in good health before embarking on any strenuous activity.

Plan for winter hazards: Make sure outside workers especially understand the hazards of winter weather, including hypothermia, frostbite, accidents, and other emergencies. Learn the signs, strategies and solutions for dealing with those unique challenges that extreme weather can present, and help your staff to be prepared for the worst case scenario.

Remember, it's up to you to promote a culture of caring and safe practices for your business, staff and clients.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Winter hasn't raised its icy head yet, but the calendar never lies and we're inching closer to those shorter days and cooler nights. Now is the time to get ready, starting with how you get around, namely, your car, boat and RV.

Car Preparation:

1. You may have the right tires for where you live but what about the right tires for where you might be traveling? Particularly if you think you might be heading to colder climates for a holiday or to make sure you have the tires you'll need for driving in more harsh winter conditions.
2. Checking tire pressure and tread wear is a good idea any time of the year, something you may want to look at at least monthly, but tread and inflation are particularly important with the onset of winter. Cooler temperatures still affect tire pressure and wet, icy and snow covered roads make stopping and turning under control a much dicier proposition on worn tires.
3. Just as with tire inspection, you should check fluid levels for power steering, brakes, oil, coolant and washer fluid. More extreme cold weather may require a different oil viscosity and nothing can dirty a windshield like driving on slushy roads.
4. Be sure to check your battery power to make sure you have enough juice for cold starts.

RV Preparation:

Maybe you'll be using your RV right through the winter. If so, then the car preparation checklist applies equally to your RV. But what if you plan to put your RV away for the winter?

1. Drain your fresh water holding tank and open all water faucets.
2. Flush your 'gray' water holding tanks and lubricate any valves.
3. Drain the water heater (but make sure it is not hot or under pressure).

You can have someone take care of this for you, but if you choose to winterize your RV yourself, you can find a more detailed checklist here.

Boat Preparation:

1. Remove and store all gear and equipment from your boat.
2. Give the hull and everything inside a good thorough wash.
3. Get a fuel stabilizer, add it your engine fuel, and run the engine to avoid varnish build up.
4. Use an aerosol fog solution to protect the inside of the engine.
5. If applicable to your boat's engine, drain the water so it doesn't freeze and cause cracking.
6. Do one last oil change.

A little maintenance will have you ready sooner for next spring's boating season, and more importantly, it will help you avoid major repair costs.

After a long summer, most parents and (some) kids alike are ready to go back to school. But going back to school also means sending your kids into a sea of germs, and increasing their likelihood of getting sick. In fact, most school-aged children will get 6-10 colds every single year. But there are several things you can do to help your child and the rest of your family stay healthy, and decrease their chances of catching an illness at school.

Preventative measures:

Although there's not much you can do to directly strengthen a child's immune system, your child will be less likely to get sick if she practices healthy habits. Make sure your child is eating plenty of fruits and vegetables, getting enough sleep, and exercising regularly. Before school starts, be sure your family is up-to-date on immunizations, and consider getting flu shots, too.

Hand washing:

It's old news, but thorough, regular hand washing can make all the difference when it comes to avoiding germs and staying healthy. But most of us, adults included, still don't do it as well or often as we should. Teach your child to wash their hands every time they use the bathroom, before they eat, and if they have come in contact with a lot of shared surfaces or objects (for example, sharing tools or materials at school). To wash your hands properly: get them wet (warm or cold water is fine) and soapy, and lather up for at least 20 seconds, making sure to get all areas of the hand and wrists. Rinse and dry thoroughly, and try not to touch bathroom surfaces like faucets or door handles (use clothing or a towel) after you have washed your hands. Model, teach and practice correct hand washing in the home at appropriate times to get your child off to a good start.

Avoiding the spread of germs:

Even if your child practices good hand washing hygiene, he or she will inevitably come into contact with students who are sick. Teach them to politely keep their distance from those who are coughing or sneezing, and to avoid touching the same surfaces or using the same materials. Finally, show your child how to cough or sneeze into a tissue or their elbow, instead of their hands.

Don't share everything:

Yes, kids go to school to learn about sharing, but there are some things they really shouldn't share: pencils, lip gloss, food, and water bottles, to name a few. Make sure your child has his/her own supplies, and teach them how to politely decline if somebody wants to use their writing utensil or take a bite of their sandwich, especially if that person is sick.

If your child gets sick:

Keep your child at home, if possible. If your student is a teenager, have them contact their teachers or check online for anything they can do at home, (if they're well enough, that is). Even if the sickness results in a doctor's visit and medication, try not to rush the healing process. Sending your child to school before they are truly well won't benefit them or anyone else.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

It's summertime, and many of us long to spend more time outside. Creating an outdoor living space can make it easier to take advantage of wonderful weather, and bring some simple joy and serenity to daily living. Here are some things to consider when planning an outdoor living space, and how to begin the process.

Have a goal:

Before you get started, take time to reflect on what you hope your outdoor space will be used for, and how often you plan to use it. Will it be for entertaining friends and family, cooking, or simply reading, writing and hanging out on your own? Answering this question will help you decide what's really essential.

Stick to a budget:

Remember, an outdoor space is meant to help you spend more time outdoors--it doesn't need to be fancy or expensive to do the job. So figure out how much you can reasonably spend and decide which elements are most important to your vision. Shop around (including online), visit your local thrift shops and garage sales, and be patient: you may find what you're looking for at half the price.

Designing an outdoor living space:

Here are 6 things you might include in an outdoor living space:

• Foundation: Some outdoor furniture might be perfectly fine on the grass; or you might consider a simple deck or concrete foundation to stabilize a table or grill.
• Umbrella or shelter: If you've decided to create an outdoor living space, it's probably partially because you want to be able to spend time out in the mild air but protected from intense sun, mosquitoes and other insects. Options here range from a simple umbrella and a bug light to a more substantial shelter with netting.
• Furniture: You may just need some decent lawn chairs and a small table to make your vision a reality. Or perhaps you're thinking about a full-size dining table, outdoor couch, hammock or other super-comfortable seating.
• Heater or Fire Pit: If you live in a cooler climate, you may want to consider a small fire pit or an outdoor heater, so you can continue to utilize your outdoor space when the weather is not quite as mild.
• Lighting: Twinkle lights, lanterns or torches will provide a lovely glow and enough illumination to see your friends' faces at dusk or nighttime. If you're planning to play games or work outside, check into LED lights that can be charged and taken outside without having to be plugged in.
• Fencing: If your yard is not already fenced in, you may want to consider some sort of boundary that will give you and your guests some privacy in your new outdoor haven.

Making your dream a reality:

Chances are, you already have a vision of what your perfect outdoor living space could be--but don't let that dream keep you from getting started if you can't do it all at once. Pick one thing to work on or purchase and enjoy it: slowly but surely you will be able to make your outdoor living dreams come true.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

Outdoor grilling season in Ohio is here, a time to relax on the deck and enjoy some ribs or a juicy burger cooked to perfection on the grill. But even the most experienced grill master should take safety precautions before firing up the grill. Make sure your outdoor entertaining goes according to plan by following these grilling safety tips.

Clean and prep your grill: Fires or leaping flames are usually caused by excess grease, so be sure your grill is well-cleaned before starting it up. If you have a charcoal grill, dump out any old ashes. On a gas grill, inspect the hose that connects the propane tank to the grill and make sure there is no damage or debris replace it if necessary. Clean out the grease trap. Scrub your grill with a sturdy, stiff, steel brush, but make sure to also wipe it down with a wet cloth afterwards: Some unlucky barbecue eaters have had stray steel bristles lodged in their mouths from a batched cleaning effort.

Check for a gas leak: If you have a gas grill that hasn't been used in a while, it's worth it to take the extra step and check for a gas leak. Mix a little water with a little dish soap, and use a soft brush or spray bottle to apply the solution to the entire hose and both connections. Slowly turn on the gas; if you see bubbles anywhere, you may have a leak.

Place your grill in a safe spot: Locate your grill on a stable surface that is a safe distance away from your home, fences, foliage and other structures. Teach kids and pets to stay away from the grill, and never to play in close proximity to the grilling area.

Stay attentive: If you're the chef, stay close. Don't leave the grill unattended while it's in use. Protect yourself by using mitts and the right kind of utensils for grilling. And don't take responsibility for grilling if you've had too much to drink.

Have a backup plan: Always keep a fire extinguisher handy, and know how to treat minor burns.

Clean up: Each time you use your grill, be sure to shut it down properly: make sure coals are fully extinguished, and clean your grill thoroughly between each use.

Grilling Tips:

Grilling enthusiasts may love to argue about the details, but when it comes to great grilling, there are a few things they can agree on. First, make sure your grill gets plenty of time to preheat. If you're using charcoal, don't just buy whatever stuff you can find at the gas station when you remember you need charcoal: experts recommend using natural hardwood charcoal, and even adding a few wood chips for better flavor. Don't assume everything should be cooked on super-high heat. And finally, take advantage of pro tools like grill baskets, a charcoal grill starter and a meat thermometer to get your grilling just right.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

What is an alternative business model?

An alternative business model could involve changes to your office setting or location; or to how and when the work gets accomplished. This might mean incorporating work-from-home options, flexible hours, redesigning your office setup or changing the way you compensate employees.

What are the benefits of a non-traditional work environment?

Depending on your business, a non-traditional work environment could have many potential benefits:

• Better productivity: We all thrive during certain times of day and in certain environments. When employees have the flexibility to work at the time and place that most suits them, they're less likely to waste time looking busy and spend more time getting things done.
• Better use of resources: Using remote workers could give you access to a better hiring pool. It could also reduce your company's use of resources like office space which can be a huge cost for a small business.
• Higher satisfaction and employee retention: Flexibility is a huge bonus for many workers in the current economy. Alternative workplace options can be a major attraction for potential hires, and a great way to inspire current employees to stick around.

What type of business would benefit from a non-traditional model?

Not all businesses will thrive with a non-traditional setup, especially if you and your employees need to interact with clients and each other in a designated space on a daily basis. But if your business involves some activities that could just as easily be done elsewhere or during a different time and may even be done better and faster that way then you might consider incorporating flexible hours and/or work-offsite options. Ask yourself where, how and when the work needs to get done, and whether there is the option to be flexible in any of those areas. This will lead you to alternative options that are right for your particular business.

How do I start?

It's natural to have misgivings about doing things differently. Communicate your reasoning and goals to your staff, and let them know your concerns up front. Make sure to have a clear plan going in. Finally, it's better to start small and pilot only one or two things at a time. If the new arrangements don't work, don't be afraid to go back to what you were doing, and try again.

For any health insurance questions, call or contact Strachan Novak Insurance Services today.

Thinking of buying a pool? Here's what you should know:

So you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.

How Insurance Companies Categorize Pools:

According to the Insurance Information Institute, a pool is what's known as an "attractive nuisance," meaning that it's likely to draw people to your property, and at the same time can potentially create a dangerous situation. You can be held liable for any accident or injury that happens in or near your pool, even if the person injured used your pool without consent, and your homeowner insurance would likely cover that liability. Still interested? Here's what else you need to know.

Pools and Homeowners Insurance:

When it comes to insuring a pool, you have two things to consider: damage to the pool itself and liability considerations.

Damage to the pool: Whether damage to your pool would be covered by your homeowner's insurance depends on whether it will be an in-ground or above-ground structure, and how it is subsequently classified by your insurance policy (as part of the home versus an external structure). Contact your insurance agent to find out whether your new pool would be automatically covered or would require an additional policy. Don't forget to ask about additional equipment, like pumps and filters, and whether or not or how they can be covered.

Liability issues: When it comes to home pools and insurance, liability concerns can be more significant than protecting the pool itself. Even though your homeowner's insurance will probably include liability coverage for pool-related accidents and injuries, experts recommend that pool owners increase their liability limit up to $500,000; or purchase a separate umbrella policy to cover any excessive liability costs. This is because costs associated with a serious injury or an accident are likely to exceed lower coverage limits. You can also increase your liability insurance protection further with an excess liability policy, sometimes called an umbrella insurance policy. These policies come with liability limits of $1 million, $2 million or more and are surprisingly inexpensive considering the high coverage limits that come along with them.

Safety and other considerations:

Before you install a pool on your property, be sure to check your city laws to find out what is required of pool owners. Most cities have requirements regarding fencing, pool covers, signage, diving boards, supervision, and other safety concerns. Not only does following these guidelines make your new pool safer; your insurance company may exclude your pool from coverage if you fail to comply with local rules.

For any home insurance questions, call or contact Strachan Novak Insurance Services today.

The Federal Highway Administration database claims that the total number of reported collisions in the U.S. are around 300,000 per year, with many more going unreported for various reasons. Colliding with an animal is a traumatizing experience for all involved, and it's important that every driver knows what to do when it does. Here are some tips to avoid hitting animals in the first place, and how you should handle it if you do.

Driver Precautions:

Hitting domestic animals is a risk for any driver; and in some areas of the country, colliding with wildlife is a serious possibility as well. To minimize your risk of hitting a larger animal, pay extra attention during the hours around sunrise and sunset, at night, and during peak seasons. Look for road signs to alert you of places where wildlife on the highway is more common. Scan the landscape for eyes or movement. Use your headlights and, when you can, your high beams. Honking can sometimes scare away animals if you do it early enough.

If you do find yourself on a collision course with a large animal, it is recommended that you do not swerve. Instead, put your foot on the brakes or stick to your current speed (but don't accelerate) and get your head out of the way of the windshield as much as possible before driving straight through the animal.

What to do if you hit a deer or other large animal:

1. Make sure everyone is safe. Pull your car off the road and put on your hazard lights.
2. Call the police. If you hit certain animals with your car, such as a dog, deer, goat, or pig, you are legally required to call the police. You should also call the police if anyone is injured or if another accident happened as a result of trying to avoid the animal.
3. Stay away from the animal. Injured or frightened animals can be dangerous, so resist the urge to approach or help the animal. The only exception is if the animal is clearly dead, and it is possible to safely move the animal out of the way of traffic.
4. Document the scene. When the scene is safe, it's a good idea to take pictures of the animal and any damage to your vehicle, in case you need to file an insurance claim.
5. Contact your insurance company. If you have comprehensive coverage, it will probably cover collision with an animal. Your insurance agent can help you through the steps of filing a claim. You will also need to pay your deductible before any benefits kick in.

Accidents involving domestic animals:

If you hit a domestic animal, like a dog, cat or cow, you must call your local police or animal control or you may be in violation of the law. So even if you and your car are completely fine, stop and make the call. Just as with wildlife, injured dogs and cats can be dangerous: it's up to you whether you want to give first aid to an injured animal or wait for professional help to arrive. Talk to animal control if you need help deciding the best course of action. You may want to contact the animals owner, and in some states, it's required that you make an attempt. Use your best judgement to stay safe, and to do what you would want someone who hit your pet to do in the same situation.

For an auto insurance questions, call or contact Strachan Novak Insurance Services today.

Many employers take the time and effort to follow through with employee reviews, while others let this annual tradition slide. Annual performance reviews can be excruciating, productive, or somewhere in between. So what makes the difference? What makes an annual review effective, and how can both employers and employees can prepare to get the best possible outcome?

What's the goal?

The best employee reviews are a collaboration between a supportive employer and an employee who is interested in improvement. Yes, it's a chance for an employer to give honest criticism and to measure performance, but it shouldn't be a gotcha situation for the employee. The goal is to work together to take an honest inventory of how the employee has grown and things they need to work on and then make a concrete plan for moving forward and measuring progress towards improvement goals.

For employers...

Make sure you have data and questions ready for the person you're evaluating especially if you anticipate it will be a difficult conversation. Be kind, but direct, and stay open to listening throughout the meeting. Give feedback that is timely, specific and actionable. Don't comment on rumors, gossip, or things you have heard about the employee; instead, focus on evidence and concrete examples of their strengths and weaknesses. Finally, make sure to let them know what they are doing well.

How to prepare if you're an employee...

Get the most out of your evaluation and one-on-one time with your higher ups by preparing ahead of time. Write down any questions or concerns you have, but keep the focus on yourself: steer clear of complaining about other employees, unless they are compromising your ability to do your job. Make a good impression by having some goals and areas you would like to improve ready to discuss, and ideas for how to make progress. Even if you are unhappy in your work, try to find something specific to express gratitude for.

What do you do about a bad review?

The honest truth is that, for employers, reviews sometimes serve as a chance to document an employee's bad behavior and attempts to correct it, in case they decide to fire the employee later on. Ideally, employees should know where they stand especially if their performance is unsatisfactory well before it becomes a major issue. But if you are an employee who has gotten a bad review, it's not necessarily the end of the world. As long as you are truly open to hearing difficult feedback and making positive changes, a bad review could be the beginning of a great turnaround.

In between reviews...

Evaluations are the most effective when they're part of an ongoing conversation between employer and employee. If you're an employer, don't wait for the annual review to give your charges both positive and negative feedback on their performance. If you're an employee, seek out feedback and mentorship, and find a way to stay engaged with your goals all year long. This is the best way to ensure that the annual employee review is just a checkpoint on the larger journey, and nothing to be worried about.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

It's a big step for a small business owner to hire a manager, to hand over and trust certain tasks to someone else. In doing so, it's important, even in bigger corporations, to look for those with certain traits and talents.

We've all had an experience with a bad manager: whether it's someone who is controlling, one who takes more than their fair share of the credit, or who cares more about their own ultimate success than the success of the team. Whether you're a big company in search of new talent, or a small business owner taking the exciting step of bringing in someone new to help you oversee the big picture, hiring someone for a management position can be challenging and even a little scary. So what should you look for, and how will you know whether you're talking to a leader or a micromanager? Here's what you need to know:

Recognize different management styles:

While bad managers tend to be bad in similar ways, good managers are often good in different ways, and for different reasons. Even if you think you're looking for someone who's extroverted and inspirational, don't dismiss a quiet, reflective introvert or a methodical, ultra-organized type right off the bat. Look for somebody who has principles and high standards for their work and behavior, instead of focusing too much on their style.

Ask for stories:

Questions like "what's your greatest weakness" encourage candidates to be less than honest to avoid looking terrible in front of the person who's doing the hiring. Get better information by asking interviewees to share a story about a time they had to break some difficult news to somebody, or a time they had to deal with an interpersonal conflict. These stories will help you to see how the candidate thinks, what her priorities are, and how she might grapple with a real-life scenario, that's not so black and white.

What qualities should you look for in a manager?:

• Humility: Does the candidate recognize others' contributions to his or her success, or take all the credit for him/herself? Are they willing to say "I don't know," or do they pretend to have all the answers?
• Sacrifice: Is the candidate willing to be flexible and give of their time or resources, even when it's not easy or convenient?
• Self-reflection: When something goes wrong, a strong leader looks to themselves first. Do they admit where they were at fault, and can they see where they could have done things differently before moving to criticize or correct others?
• Detachment: A leader should be caring, but not so emotionally involved that they can't make effective decisions.
• Trust: A good manager knows how to delegate, and how to leave room for others to either make mistakes, or rise to the occasion.
• Honesty: Can they be honest, even when it's hard or unflattering to themselves?
• Humor: Look for someone who is serious about the work, but not overly serious about themselves.

Leaders are made, not born:

Working with others is tough, even for somebody who has a knack for it. If you find a good external candidate or decide to promote somebody from within your company, don't expect them to have it all down right away. Train them well, allow them to make mistakes, and stick with them if they're growing and making progress.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Winter sports are all about making the most of the frigid temperatures. But because conditions can be so unpredictable, there are also some serious safety concerns that go along with being active outdoors this time of year. Here's how to stay safe and get the most out of your favorite winter sports from skiing and snowboarding to ice skating, hockey, sledding and snowshoeing.

Learn how to layer:

Dressing for the weather is an art, and it's all about layering. Choose quality fabrics that wick away moisture and provide protection from the wind. Make sure to have warm coverings for you extremities (hands, feet and head) because that's where you'll lose the most heat. (Alternately, remove your hat or gloves to cool down quickly if you get overheated.) Remember, a strong wind can make even the "nicest" day in the snow dangerously cold, so always be prepared for fluctuations in temperature.

Use the right equipment:

Whether you're talking about skis, ice skates, a snowmobile or just a plain old sled: keep your equipment and gear well-maintained, and always get a tune up when you take it out for the season. If you don't know what to look for, consult a professional. If you're renting equipment for the season or just a day on the slopes, get a recommendation for a reputable vendor or use one that gets a lot of seasonal customers. Finally be sure all equipment is the right size and correctly adjusted for whoever is using it.

Get in (or stay in) shape:

Many winter sports, such as skiing and snowshoeing, require you to be in decent physical condition in order to do them safely and enjoyably. It's ideal to stay active all-year-round, and to choose activities that will help you to stay in shape for your preferred winter sport. If you haven't been active in a while, be conservative and go slowly at first. Stretch or do some low-impact warm ups, be gentle with any injuries or weak areas, and know your body's limits.

Observe safety guidelines:

Always observe common courtesy and generally accepted rules of the road when engaging in your favorite winter activities, especially if you're getting out there in a public area, like an ice rink or ski hill. In addition, know the rules of the area, observe posted guidelines, and never ignore safety warnings.

Use safety gear:

Whether you're talking about padding, goggles, a helmet, working GPS, or sunscreen always use recommended safety gear for your activity, even if it's "optional."

Know your limits:

When being active outdoors, it's important to be aware of your body and how you're feeling. Don't attempt to do a run or try something that's beyond your current capabilities. If you're tired, take a rest. Drink plenty of water, and avoid alcohol. Carry snacks, and don't let yourself get overly hungry.

Learn more:

Although they are not always required, it's a great idea to take a winter sports safety course or one that applies specifically to your preferred activity. You'll learn tips and techniques for staying safe and preventing injury, plus how to deal with common, potentially dangerous situations. Contact your local outdoors shop to find a workshop near you.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Unpredictable weather, at least in most parts of the country, is here. Suddenly, regular activities like driving and walking outdoors have become more hazardous. Whether you're going about your daily tasks, celebrating the holiday season, or taking part in fun winter activities, here's how to make sure you're safe and protected.

Read the fine print:

With many types of insurance, there are exclusions for negligence or more costly/unusual damages. This can apply to many different situations from winter driving, to taking care of your home, to hosting friends for sledding in your backyard. The important thing is that you know when your insurance will kick in and when it won't. You don't want something to happen and then find out that your insurance policy won't cover it because somewhere in the details it says "does not apply when..." Check with your insurance agent to be sure you understand all the specifics of your policy, and, if necessary, get extra coverage.

Protect yourself, your home and belongings:

Similarly, you have certain responsibilities as an owner to keep your home and belongings in good condition, and to use them safely and appropriately. If you're not taking steps to maintain your property and belongings; or to stay safe while doing winter activities, there's a good chance you're operating outside the lines of what your insurance policy will cover. Here are a few things you can do:

At home: Keep walkways and driveways clear and be sure they are well lit. Make sure your home is properly winterized, and that you're aware of any policy requirements for winter upkeep, so you don't end up footing the bill for frozen pipes or other issues.

In your car: Always follow traffic laws and observe speed limits; keep your vehicle well-maintained, and drive slowly and with extra caution especially in harsh conditions.

While doing winter activities: Wear appropriate safety gear, follow posted guidelines and rules, and be sure to do a safety inspection of any winter equipment whether it's a sled or a snowmobile before taking to the slopes.

In short: Know what's required of you as an owner and follow the rules, so that when an accident does happen, you can rest assured that you're safe.

Excluded events:

If you live in an area that experiences extreme weather conditions, you'll definitely want to find out whether your home and auto insurance policies cover any and all weather-related damages. For example, some policies may exclude damage caused by hail and wind, or flooding. In these cases, you usually have the option to purchase a separate "rider" that can provide coverage you need.

Don't get caught in the cold! Call or contact Strachan Novak Insurance Services to find out how to stay safe and warm this winter season.

Some small business owners in Ohio can hardly keep apace with the holiday rush; other businesses slow down to a near crawl during this time of the year. So how do you make the most of the season, regardless of which end of the spectrum you're on?

Plan Wisely, plan ahead:

If you know you're going to be ultra-busy during the holidays, it's never too early to start figuring out what kind of seasonal help you'll need and prepping your current staff to take on the challenge. If you can't afford to give employees whatever holiday vacation they want, make sure you have a system that's fair to everyone for deciding who gets time off. On the other hand, if your business is the type that slows down during the holiday season, start thinking about how you might take advantage of the down time, perhaps by tackling a necessary but time consuming project that's been on the back burner, offering a professional training, or overhauling your company's mission and vision.

Find ways to show gratitude:

The holidays are a good time to reflect on what we're grateful for, and that includes loyal employees and customers. Harness the spirit of the season and let those who make your business a success know how much they're appreciated. Show your gratitude by sending a card or giving a small gift, hosting a holiday party or open house, or just expressing a heartfelt, personal "thanks."

Think like a customer:

Before you scale back employee hours or production, consider your customers. What kind of service or support might they need during the holidays? What could you have in place that would make them feel like they really matter? If your business usually picks up during the holidays, amp up your customer service and attention to detail so that no important orders fall through the cracks.

Relax and enjoy the season:

For a small business, productivity is always the goal; but that doesn't mean you can't loosen up every once in awhile. If it's a slow time of year, give yourself and your employees permission to have a little fun, celebrate, and not work so hard. If your business gets busier, it's even more important to relax, find the humor, and stay calm when things start to go wrong.

Remember: A holiday is just another day on the calendar, and the season will be over before you know it. Whatever your business's unique circumstance, use the season to your advantage and let it propel you towards a fresh, new year.

Questions about business insurance? Call or contact Strachan Novak Insurance Services today.

According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.

But most falls can be prevented. Here are some ways to minimize your risk:

In the Home:

No matter your age, it's important to fall-proof your surroundings so you can cruise around comfortably at home.

Since most falls happen at home, there's a lot you can do to make your home safer.

• Secure rugs and floor coverings with rubber backing or double sided tape; use mats or rugs to improve slick surfaces.
• Be sure all railings and banisters are secure, and install extra guard rails (including bed rails or bathroom grab bars) if necessary.
• Make sure there is adequate lighting throughout your home. Use motion sensitive lights or night lights in any areas you may walk through when it's dark.
• Arrange your furniture so that it's easy to get around. Be sure nothing is obstructing any doors or natural pathways.
• Fix anything in your home that may create a safety hazard, like a broken stair, unruly electrical cords, or a wobbly table.
• Keep your home neat and clean, and doors and stairways free of clutter.

Outside the Home:

Weather can create some of the most hazardous conditions for falls around the home. Here are some easy fixes:

• Regularly clear your sidewalks, entrances, stairs and driveway of snow, ice and other outdoor debris.
• Use salt on icy walkways.
• Install good quality lighting that's easy to turn on when you need it.
• Make sure all stairs and ramps have handrails and good traction.

Stay Healthy:

Taking steps to improve your physical health can minimize your chances of falling. It can also minimize the chances of getting injured during a fall. Here are a few things you can do:

• Get active: Walking, yoga, Tai Chi or any regular physical exercise can make you stronger and give you more control of your movements. There are also a variety of exercise programs specially geared towards adults who are concerned about falling and other risks associated with aging.
• Manage your medication: Some medications can impair your balance, awareness and ability to respond to unsafe conditions. Be sure to take all medications exactly as prescribed, and talk to your doctor if you're concerned about side effects.
• Visit your physician: The more aware and alert you are, the less likely it is you'll be injured by a fall. The National Council on Aging recommends having your vision and hearing checked regularly, so that you can more easily recognize and better respond to any safety hazards.

Use Safe Practices:

• Always turn the lights on when navigating difficult areas.
• Never stand on furniture or unsteady surfaces
• Use handrails, walls or sturdy furniture to steady yourself as you walk.
• Keep frequently used items, as well as your phone or other emergency alert system close at hand.
• To prevent tripping, wear good shoes and appropriate clothing both around the house and outdoors.

For more information about health insurance, call or contact Strachan Novak Insurance Services today.

Ah, freedom... if learning to drive is on the horizon for your teenager, he or she is probably thrilled about the prospect of getting to travel outside the confines of your schedule and neighborhood. You, on the other hand, might be thrilled about not having to drive them everywhere but the excitement ends there.

This is to be expected: Teens are some of the worst drivers out there. In fact, motor vehicle crashes are the primary cause of death for people ages 16 to 19. The good news is that many of the factors that contribute to teen auto accidents are within the driver's control. According to the National Safety Council (NSC), accidents involving teen drivers usually become serious or deadly due to preventable factors, like not wearing a seatbelt, drinking, texting or having other teen passengers in the car.

Here are some tips to keep your teenager safe (and your stress level down) while they are learning to drive, and in the aftermath of getting a license:

Parents' Role in Teen Driving Education:

Just because your teenager passed the driving test doesn't mean he or she is ready to be cut loose. Parents can play an important part in decreasing the risk of accident or injury for a newly-minted motorist. After they have cleared the hoops and earned a provisional license, the NSC suggests parents create a contract with their teen driver and slowly increase privileges only if he or she demonstrates responsible driving habits. In addition, experts suggest that parents continue to practice driving skills with their teen for at least 30 minutes each week for six months after they are done with driver's ed.

Insuring a Teen Driver:

Most likely, a teenager with a learner's permit will be covered under your insurance policy, but it's a good idea to let your insurer know that your teen is driving and make sure they are protected. Once your teen earns a license, he or she may need to be officially added to your policy. Yes, your rates will probably increase; but in most cases it will be less expensive than purchasing a standalone policy for your teen. Ask about discounts for good grades or a clean driving record once your teen gets some experience under her belt. Owning a car with a solid safety record and modern safety features can also reduce the cost of your premium. Finally, teens who take additional driver's safety courses may also qualify for reduced rates.

Enforcing Rules of the Road:

Teens are most likely to get in an accident during the first few months of getting a license, and that risk increases if they have teen passengers in the car. Insist that your teen drive with no more than one passenger unless there is also an adult in the car. Similarly, most motor vehicle accidents involving teens happen in the evening or at night, so it's a great idea to limit your teen's nighttime driving, if possible.

Modeling good habits:

Drinking, texting while driving and other risky behaviors only increase the chance that your teen will be in a serious accident. If you regularly drive with teens, be sure to model safe habits by always wearing your own seatbelt and insisting passengers wear theirs; and not speeding, texting or engaging in other distractions while behind the wheel.

For any car insurance questions, call or contact Strachan Novak Insurance Services today.

The school year is fast approaching in Ohio. Whether your child is elementary, middle, or high school age, the first weeks of school can be stressful. But there are things you can do to make the transition from easy summer days to academics and structured activity less painful.

Here are our top 10 tips for back-to-school success:

1. Learn the lay of the land: If your child is making a transition to a new school, knowing how to navigate the building can reduce stress and help your child to feel more confident. Take advantage of any opportunity to tour the building, especially after you know your child's schedule. Practice going from class to class more than once and check out other important locations like the cafeteria, main office, library, school nurse, and counselor's offices.
2. Plan for lunch: Eating lunch alone can be crushing to a student's self-esteem. Encourage your child to make plans with a school friend for the first week. If they don't know anyone, help your child to practice asking a new classmate if they'd like to sit together at lunch.
3. Meet the team: It's well known that teachers' feelings and beliefs about a student affect the student's performance, so try to make a personal connection with anyone who will be working closely with your child. If the school hosts a back-to-school night, don't skip it!
4. Find a routine: Children and adults need time to ease back into a structured schedule. Start practicing wake up times and morning routines a few weeks in advance. This will also give you time to troubleshoot rides, work schedules, and lunch plans.
5. Review expectations: Once school starts, there will be many things vying for your child's attention, including friends, their smartphone, sports practice, Netflix and, oh yeah, homework. Make sure your child knows the order of those priorities, and which ones must be tended to first.
6. Prioritize sleep: Sleep affects your child's mood and ability to concentrate, which in turn affects their learning, so don't leave your child's sleep routine to chance. If you're dealing with a tween or adolescent, he or she may not have the willpower to put away the phone or turn off the TV at a decent hour, so don't put that decision in their hands.
7. Have electronics-free times: The research overwhelmingly shows that smartphones in class negatively impact learning. Practice putting electronics away for short periods, and teach your child that it takes effort to focus in order to learn something new.
8. Teach growth mindset: Students of all ages should know that the brain is malleable, and that they can improve their abilities with practice and effort. Help them to understand that making mistakes and "failing" is just part of the learning process and don't let them get too entrenched in ideas about what they're "good" and "bad" at.
9. Praise effort: Your child may have a natural talent for math or music, but hammering on this may not be the best way to support their growth. Instead of telling your child she is smart, praise her effort, practice, persistence and resilience.
10. Teach self-advocacy: If your child has an issue with a peer or teacher, resist the urge to get in there and solve the problem. Help your child to figure out what they need or want to express then let them do it.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Vroom, vroom... Summer Motorsports Safety

Follow these 8 rules to ensure that your day of motorsports excitement ends with a barbecue or campout, and not an accident.

1. Protect yourself: When it comes to operating or riding on an ATV or dirtbike, never skimp on safety. Always wear protective gear, including a helmet and goggles, gloves, long-sleeved clothing and sturdy, closed-toe footwear. Additional safety gear recommended specifically for dirt bike riders includes a chest protector, neck brace and kidney belt.
2. Ride the right surfaces: Both ATVs and dirt bikes were designed to be operated off-road. In fact, most ATV accidents (33 percent) occur on paved surfaces; but the second most common terrain for ATV injuries are unpaved roads. Bottom line: ATVs and dirt bikes are not meant to handle pavement and don't have the safety features to operate well in traffic, so keep them off the roads.
3. Take a safety course: An ATV or dirt bike safety course is an excellent idea for any new recreational vehicle owner. Look for courses in your area that will allow you to gain hands-on training or, if it's your only option, take one online.
4. Stay together: Accidents can happen, so it's important that someone is available to get help if something goes wrong. Always ride with a buddy or a group, and look out for each other.
5. Obey rider restrictions: Children under 16 years should never be allowed to drive an adult-sized ATV. Similarly, don't allow two people to ride unless your ATV is equipped to handle two passengers. When it comes to dirt bikes, be sure to use one that's within your range of skills and don't try those stunts you saw on TV.
6. Know your skill-level: ATVs are not mini automobiles, and they require different skills to operate safely. Younger drivers especially may not have the ability, physical strength or judgement to operate an ATV, even if they are 16 or older. If you're a newbie, use extreme caution when starting out with an ATV or dirt bike.
7. Inspect your vehicle: Have your bike or ATV checked out to make sure it's in good working condition. After that, you should continue to inspect your vehicle on a regular basis before heading out for a ride. Make sure you have plenty of fuel and always check your brakes before revving up your speed.
8. Get insured: ATV or dirt bike insurance is a great option for those who ride regularly. This type of insurance can provide many of the coverages you would get with an auto insurance policy, such as liability, collision and comprehensive coverage. And remember: many policies will not cover accidents if, for example, a young person was operating a vehicle meant for an adult; or if the driver was under the influence so always follow safety guidelines.

For any questions about ATV insurance, call or contact Strachan Novak Insurance Services today.

Here are 5 things you can do to make sure you've got your bases covered:

Determine your Real Needs:

Before you start posting on hiring boards, figure out what your needs really are. Do you need freelancers or employees? Is it OK to hire young, inexperienced workers, or do you need a team with expertise? Finally, make sure you know how many labor hours are truly needed, so you don't over or under hire.

Know the Law:

Whether you're hiring teenage workers, freelancers, or just short-term employees, there may be some different laws governing what you can and cannot do. For example, employees are entitled to certain benefits that don't apply to independent contractors, and there are penalties for misclassifying workers for your own benefit. Similarly, if you're hiring teens, you need to know specific age limits, which job tasks they can perform by law, and the number of hours they are allowed to work. These guidelines may vary from state to state, so check your local statute.

Get the Most out of your Staff:

If you regularly hire short-term employees, the first step is to stop thinking about them that way. Instead, work under the premise that you're developing a loyal, trained, on-call workforce. After all, a great high school or college student can be an asset for a good four years, and may even come to you for a full-time job somewhere down the line. So don't skimp on training, and have clearly written rules and regulations that all team members are required to follow. Take care of your employees, train them thoroughly, and treat them well, just as you would any other employee that you want to retain long term.

Get the Right Coverage:

If you're legitimately hiring independent contractors, you don't need to worry about benefits. But according to the U.S. Small Business Administration, employers are still required to pay into Social Security, Worker's Compensation, and, in some cases, unemployment for seasonal workers.

Don't Forget Health Insurance:

Under the Affordable Care Act, if you employ a workforce of 50 or more, you may be required to offer health insurance to seasonal employees who work more than 30 hours per week. If your workforce only exceeds 50 because you hire seasonal workers, however, the mandate may not apply. There are several different ways to measure your workforce and determine whether you're required to offer healthcare options. If you're unsure, seek legal counsel to help you understand what's required of you as an employer.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Let's face it, many of us get motivated to exercise because we want to regulate or lose weight. It's looked at like a chore, rather than a pleasure in many cases. However, know that there are many other benefits to regular exercise may up the motivation levels.

According to the Centers for Disease Control, regular exercise can help prevent some cancers. prevent Type 2 diabetes, reduce the risk of heart disease, strengthen bones and muscles, and improve your mood and help you to live better and longer. But humans are mysterious creatures, just because something as simple and accessible as exercise has so many positive benefits doesn't necessarily make us more likely to do it.

In honor of National Physical Fitness and Sports Month, here are seven ways to start getting active, and to stay that way:

1. Easy does it: If you haven't exercised in a long time, don't set yourself up for failure by signing up for a marathon or vowing to get up at 5 a.m. and go to the gym every day. Make a small commitment to go for a 5 minute walk, three times a week, for example that isn't too intimidating and that you absolutely know you can accomplish.
2. Don't depend on willpower to sustain long-term change: If willpower was an easily-harnessed resource, most of us would be in much better shape, both literally and figuratively. To be sure, you're going to need willpower, especially when you're first starting out. But expect that it won't keep you going for the long haul and find other ways like developing a habit to keep yourself on the path.
3. Use the willpower you do have wisely: You use your willpower every time you resist an impulse to check your smartphone, eat a cookie, or yell at your teenage son and each one of these mini acts of mental resistance uses up the fuel from your willpower tank. One way around the problem is to exercise as early in the day as possible, before your willpower is depleted. Another is to find ways to minimize how often you have to resist temptation by not keeping cookies in the house, or turning your phone off, for example so that your willpower is there when you really need it.
4. Find a buddy: Accountability and increased enjoyment are just two reasons to start exercising with a friend or group. Make a commitment to show up with somebody else to increase your chances of success.
5. Change your mindset: Researchers who study human habits say that people who are able to make lasting changes to their lifestyle learn to see and think about themselves differently. Examine your beliefs about health and exercise and challenge the ones that aren't in line with the new story you want to tell: that you're a person who is healthy, active, and physically fit.
6. Ask for help: If you don't know how to begin, talk to your doctor, a physical trainer, or just a physically active friend who can give you some ideas. Many gyms offer one free session with a personal trainer take advantage of it!
7. Make it fun: "Exercise" doesn't have to mean running on the treadmill or doing an activity you detest. Playing a game of tennis, line dancing, hiking outdoors, and jumping rope all qualify as exercise. The activity you choose may not be easy; but if it's fun you may be more likely to stick to it.

For any questions about health insurance, call or contact Strachan Novak Insurance Services today.

Most of us in Ohio can agree it's important to have clean air, fresh water, and a healthy living environment. Being eco-friendly is about living within your means, treading lightly, and using the resources you have wisely.

In honor of Earth Day on April 22, here are seven simple ways to green-up your life in 2017:

1. Sharing is Caring: We learned this in kindergarten, right? Sharing is an easy way to reduce your impact and has the added benefit of connecting you to other human beings. Go in on a lawn mower with your neighbor or trade something you can do (like babysitting or cooking) with something you need (like help putting up shelves or a ride to the airport).
2. Money Talks: Americans' ability to buy stuff is second to none; why not make an impact through something you're going to do anyway? Patronize restaurants that source their ingredients locally; shop for some items at your local co-op, or visit your weekly farmers' market for the best produce. And don't stop at food; support local booksellers, local shops, and local craftspeople where you can.
3. Conservation Counts: No, we're not going to suggest reading in the dark or wearing long johns to bed. But don't let laziness get the best of you when it comes to conserving water and energy. Get in the habit of turning off the lights when you leave a room and learn to program your thermostat so the heat or air conditioning isn't blasting when you aren't even home. To conserve water, don't leave the faucet running while you're brushing your teeth or doing the dishes, invest in a water-saving showerhead, and use the timer on your sprinkler system. Also, be sure to water when it's cooler outside.
4. Transportation Tricks: Again, buddying up on transportation not only helps to reduce carbon emissions and greenhouse gases, it also has the added mental health benefit of bringing you into contact with your community. Arrange a rideshare for your daily commute or your kids' extra-curricular activities; learn to use public transportation; or make a commitment to walk or bike to work one or more days each week.
5. Viva la Vegetarian(ish): The cultivation of livestock has an incredibly negative impact on the environment, and the consumption of red meat has been scientifically proven to be bad for your health. But you don't have to give up red meat entirely to make a dent in the problem. Scale back your steak dinner frequency to once or twice a week, and you'll be contributing to the solution.
6. Ditching Disposables: Convenience is a wonderful thing but it isn't always necessary. A few ways to cut down: Use cloth rags for cleaning and cloth napkins for dinner; bring your own coffee cup to the cafe and reusable bags to the grocery store; quit buying bottled water and buy a refillable water bottle instead.
7. Recycling Reconsidered: It's an oldie but a goodie; recycling is a must in today's society, and it doesn't have to be difficult. Most cities offer weekly curbside recycling pickup for a very minimal fee. Buy a few cheap containers and sort recyclables as you go.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Buckle up, every time: Even if you're just going down the street, all passengers should buckle up every single time they ride in the car, and you should, too. Make it a point to not shift out of park until everyone is buckled in.

Always supervise: It might seem like no big deal to just run into the store for two minutes and grab something: but leaving kids alone in the car, even for a few minutes can be dangerous and even deadly. Kids have died in hot and cold cars, and in some states, leaving kids unsupervised is against the law. Take the time to bring them in with you, or leave them at home with a sitter.

Share the rules: Children should be taught that driving is serious business, so it' important to stay calm and quiet when riding in the car. Teach kids not to play in or around cars, especially in the front or back. If your children are older, but still under the age of 13, let them know how important it is to sit in the back seat, and how to advocate for themselves if they ride with someone who doesn't know the rules.

Purchase wisely: Never buy a car seat from a thrift store or any source that prevents you from finding out the seat' condition and crash history (car seats that have been in a crash should not be used again). If you're buying a car seat second hand, be sure it is in good condition and includes all parts.

Check your seat: According to the nonprofit Safe Kids Worldwide, 73 percent of car seats are installed incorrectly. Be sure that you have the right-size car seat for the child' age, weight and height, and that it' installed properly. For detailed guidelines, follow this link.

Follow age recommendations (even for tweens): Infants and toddlers up to 2 years old should ride in a rear-facing car seat; children ages 3 to 5 should ride in a front-facing car seat. After age 5 (or when your child outgrows the car seat), be sure to use a booster seat until your child' seat belt fits properly. Last but not least, all kids should ride in the back seat until they are 13 years old, even if they are the same size as you. Before age 13, kids' skeletons are not fully developed and the risk of serious injury is much greater if they are in the front seat during a crash. For more information, visit the CDC website.

Use safe diversions: Try to avoid any hard-edged toys in the car - they can cause injuries in the event of an accident - or anything that could potentially be distracting to the driver.

For any auto insurance questions, call or contact Strachan Novak Insurance Services today.

1. Not having a backup plan: We love to glorify big risk takers especially when they get the big payoff but a truly savvy entrepreneur knows how to take a "risk" without letting it completely take them down should things not go according to plan. Be cautious and calculated in your risk taking, and always ask: How will I recover if this gamble doesn't pay off?
2. Not having a plan in the first place: If you want to compete in the real business world, you need a real business plan. No matter how much you have going for you, don't skip this crucial step.
3. Over or undervaluing your product: Either one of these miscalculations can mean serious trouble for your business's future. Study your market and your target customer base to make the best possible valuation of your product or service from day one.
4. Not prioritizing leadership: Just because you have an incredible idea doesn't mean you'll automatically be a great businessperson or boss. If you're not a natural leader, make it a priority to learn how to manage in a way that creates satisfied, long-term employees who want to stick around.
5. Not giving yourself enough time: Time takes time, unfortunately. And long-term, sustainable growth usually comes with patience and the willingness to make slow but steady progress.
6. Not collecting from clients: Whether it's because you don't have a clear accounting plan or your first clients happen to be close friends or acquaintances, not making the time or effort to follow up with those who owe you money sets a terrible precedent and can cause serious cash flow problems. Make sure you have a system in place for collecting on unpaid debts. Step one: always send an invoice.
7. Not putting things on paper: Whether it's a company vision and values statement, a contract, or legal agreement: it's absolutely critical to take the time to think through and write things down and get signatures, when necessary.
8. Not having insurance: Even if you work from home and have zero employees, anything that goes wrong related to your business probably won't be covered by your homeowner's policy. Protect yourself by getting the right business insurance policy.
9. Not investing in marketing: Many small business owners think they don't have the capital to invest in a strong marketing strategy, when really, they can't afford not to invest in some kind of marketing plan. A good marketing firm can help you work within your budget to get the most out of what you can afford.
10. Not understanding your audience: A small business's two most important audience are their customers and employees. Taking the time to really understand their wants and needs and how to effectively communicate with each of these groups will be a huge investment towards your company's future.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

In regions with any kind of wintery weather, you probably know exactly how to prepare for and navigate the unique risks caused by snow, ice, and low temperatures. And since they can't change the thermostat or put on cold weather booties, your pets count on you to get them ready for the season, and to keep them safe through the cold winter months.

Follow these 5 tips to be sure your dog or cat is protected:

Beware of potential poisons: Chemicals commonly used by humans to ward off winter's symptoms like rock salt, antifreeze, and snowmelt can be deadly to pets, so be sure to keep these things safely stored and purchase pet-safe options if possible. Steer clear of these chemicals while walking or playing outdoors antifreeze has a sweet taste and can easily be ingested by a cat or dog. Finally, be sure to rinse or wipe down your pet's foot pads after being outside, so that they don't ingest any dangerous chemicals just from licking their paws.

Keep them warm: The ASPCA offers a simple way to figure out whether your pets can tolerate chilly weather: "if it's too cold for you, it's probably too cold for your pet." Just like humans, pets can get frostbite, hypothermia, and other cold weather-related ailments. So don't leave them in the car or outside indefinitely if it's too cold for comfort. If your pet spends time outside during the day, be sure they have some type of dry shelter available, as well as access to plenty of food and non-frozen water.

Dress your pet: Believe it or not, pet clothing isn't just a fashion statement, and is sometimes necessary to keep your beloved animal safe from the elements. Bundling up your puppy in booties and a sweater might make you feel silly, but your pet will thank you.

ID your pet: According to the American Veterinary Medical Association, cold weather can actually mask smells that would normally help your animal to find its way home in warmer weather. Make sure your pet has a secure and accurate ID tag so that if they get lost, they can more easily be found.

Plan ahead: In the winter especially, it's important to stock up on water, medicine and non-perishable food items for your family in case of an extended power outage or other emergency. Remember your pets in this equation: set aside extra pet food, important medicines and other pet necessities along with other emergency supplies.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Most of the modern world is plugged in these days to smartphones, ipads and laptops, among other things. And many of us complete the loop by coaxing earbuds into our ears, turning up the sound to shut the world out, even just for a minute. But this practice, along with the increased amount of dangerous noise present in the modern world, is causing epidemic levels of early hearing loss in children, adults and teens. Read on to find out what you can do:

Who is it affecting?

A September 2016 study found that one in six U.S. teens has high frequency hearing loss due to chronic exposure to harmful sound levels. Fifteen percent of people ages 18 and over report some kind of hearing loss; and by age 65, one in three people has hearing loss. About 10 percent of Americans also suffer from a chronic ringing or buzzing noise in the ears, known as tinnitus.

Why is hearing loss a problem?

Hearing loss caused by exposure to dangerous noise is often irreversible, and can affect students' ability to do well in school and communicate with both friends and family. In adults, hearing loss is linked to dementia, and can exacerbate social isolation, depression, and other health issues.

What is "dangerous noise" and where is it happening?

Although each person's sensitivity varies, it's generally accepted that sounds above 85 decibels especially when listened to for an extended period of time can cause permanent damage to important cells in the cochlea (inner ear). Harmful noise levels can be created by sudden, loud sounds, like fireworks or a gunshots, or everyday sounds like traffic, construction, or loud music.

What you can do:

Several countries have taken steps to ensure that manufacturers cap device volumes at a certain level, and the U.S. isn't one of them. Although the type and brand of headphones does make a difference, it's known that playing an iPod at full blast most definitely exceeds the recommended 85 decibel level, it's more like attending a rock concert (which is often well over 100 decibels). Here's what you can do to protect yourself and your loved ones:

Use volume controls: Just like child safety controls on the internet, many devices will allow you to cap the maximum volume at a certain level. In fact, you can even do this to your child's iOs device and then set a numeric password so that he or she can't change it! Make sure to use the headphones and not just the display to find a reasonable cap.

Throw away the earbuds: Older-style headphones are safer because they do double duty by blocking out noise in addition to amplifying sound, so you're less inclined to turn them up all the way in the first place. Lucky for you, old-school headphones (with the big band, that look like earmuffs) are back in style, so you don't have to feel silly when you make the switch.

Pay attention to how you're using volume: Be wary of using headphones in especially noisy environments, and never increase the volume just to block out sound.

Protect your ears in other potentially harmful situations: Carry disposable earbuds for use in cities, at concerts, or on especially noisy worksites--and make a habit of wearing them.

Follow these tips and encourage your loved ones to follow them too; and prevent early hearing loss for you and your family.

For any health insurance questions, call or contact Strachan Novak Insurance Services today.

1. Find a need. Facebook founder and billionaire Mark Zuckerberg urges aspiring entrepreneurs and business owners to look for a "problem to solve," rather than trying to figure out what type of business venture will make you the most money. By building your business around something that people are already looking for, you'll automatically have an audience for what you're trying to sell.
2. Trust your gut. In a talk she gave at Stanford Business School, self-made billionaire Oprah Winfrey described how, at age 19, while working as a news anchor in Nashville, Tennessee for $10,000 a year, she turned down a $40,000 a year job offer to be a TV news anchor in Atlanta, Georgia. Even though it was an enormous amount of money at the time and seemed like a once-in-a-lifetime opportunity, Oprah said her intuition told her that she wasn't meant to be a reporter. "I was torn between what the world was saying to me and what I felt to be the truth for myself," she said. Oprah got "demoted" to talk show host at the station where she worked, and the rest is history.
3. Forget the phrase "That's not my job." College dropout-turned-Microsoft CEO Bill Gates and the wildly successful eBay entrepreneur Sophia Amoroso agree: If you're an egomaniac and/or expect to be rewarded without doing any work, you're in for a rude awakening. If you want to get to the top, be ready to work extremely hard and take on tasks you might think are "beneath" you - because they're not. Even millennials have to pay their dues.
4. Accept failure. The mantra "Fail better," lifted from playwright Samuel Beckett's work, is a trendy thing to say these days, but what does it really mean? Basically, if you're on the right path, failure is just another step along the way, as long as you don't let it stop you.
5. Be of service. Billionaire Tony Robbins, motivational speaker and mentor to the stars, says that the key to getting what you want is helping others, and focusing on their needs above your own. "I really believe it's the secret to not only wealth, but real lasting happiness," he said. "In my soul I believe the secret of living is giving."
6. Throw out your idea of what "wealthy" looks like. We envy the extravagant lifestyles of the rich and famous we see on TV, but the reality is that most people who live that way eventually go bankrupt. In his book The Five Lessons A Millionaire Taught Me, Richard Paul Evans explains that most wealthy people are actually very frugal and careful with their money, and don't lead "lives of excess." Re-frame your idea of what it means to be successful, and it just might be closer than you think.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Thanksgiving and Christmas are popular times to travel, to make that journey to be with family. They can also be the worst times to travel, especially if you during peak times or with kids in tow.

Ten ways to minimize the stress and frustration that often go along with holiday travel, the airport kind:

1. Bring snacks: You'll be less likely to get grumpy if you stay hydrated and keep your tummy happy while traveling. Pack some protein-filled snacks like string cheese or nuts so you don't have to rely on overpriced airport food. If you have a really long day ahead, consider packing a sandwich. And don't forget your water bottle.
2. Expect to wait: Even if your trip goes off without a hitch, you're going to have to wait: in line for security, for boarding to start, for the plane to take off so be prepared. Bring along a crossword puzzle book or your favorite magazine. Download some interesting podcasts (try "This American Life" or "Serial") and make the time fly by.
3. Purchase travel insurance: There are all kinds of things that can go wrong before or during your trip: medical issues, lost baggage, flight delays, or cancellations. Consider purchasing travel insurance so that you're covered if you have to cancel your trip or cut it short.
4. Pack smart: Pack strategically so that you only need to check one bag, if that.
5. Mail your gifts home: Don't try to fit a bunch of holiday goodies into your suitcase instead, mail your gifts home so that you can travel just as light on the way back.
6. Avoid crazy connections: During the winter months especially, expect and plan for flight delays, and avoid booking an itinerary with super-tight connections.
7. Be nice: Remember, it's not the ticket counter lady's fault that your flight got cancelled. Keep a sense of humor and be kind and courteous if you have to handle a problem while traveling.
8. Stay comfy: If you have a long way to travel, bring a blanket and a small pillow in your carry-on. Wear comfortable shoes, and dress in layers to accommodate changing temperatures.
9. Make friends: Traveling is stressful and tiring for most of us. Make the experience more bearable by being friendly to fellow travelers just be sure to take the hint if they don't seem to be interested in chatting.
10. Splurge at the newsstand: One of the most fun things about airports is getting to browse the books and magazines during a layover. If you have hours to kill, treat yourself to a few of your favorite magazines, sudoku book or mystery novel.

Sit back, relax and follow these tips for a tolerable and maybe downright enjoyable holiday traveling experience.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Your teeth reflect your overall health, so paying attention to them is important everybody knows that. And yet, many of us still skip brushing our teeth on some busy days or avoid regular checkups. In light of National Dental Hygiene Month, here's how to stay on top of dental hygiene along with dental insurance guidelines:

What is Oral Health?

You might be surprised to learn that oral health isn't just about your teeth; it also includes your gums, tongue, throat and other craniofacial tissues that can become inflamed or diseased. Problems with your teeth and gums can often be related to other underlying issues and indicate disease elsewhere in the body. On the flip side, poor oral health can lead to other illnesses and infections.

Brushing Basics

Your dentist taught you this when you were a kid, remember? Well, it's still important to brush your teeth the correct way in order to really get rid of plaque that causes cavities and gum disease. Hold your toothbrush at a 45 degree angle and brush each tooth individually, with a short circular motion. Move systematically from left to right on the outer teeth so you don't miss a tooth, doing the same for the inner teeth. Be sure to get in between the teeth where plaque can get lodged. Brush at least twice a day for at least two minutes.

Toothbrush Tips

Advertisers would have you to believe that the latest, greatest toothbrush whether it's manual, electric or sonic will get your teeth cleaner than ever before and with the least amount of effort. Let's start with manual toothbrushes: Choose a toothbrush with a medium-sized head not too large or small and nylon bristles. It's counterintuitive, but hard toothbrushes can actually irritate gums and are not as effective as a soft or medium-bristled brush. Electric toothbrushes may do a slightly better job of getting in between the teeth and encourage you to brush a little longer, but they don't offer a significant benefit over a regular toothbrush. A sonic toothbrush, however, can offer a slight benefit over a manual toothbrush, especially if you're lazy about brushing. But if you're not willing to shell out the money for a powered toothbrush, don't sweat it you can clean your teeth just as thoroughly without any fancy equipment.

Flossing Facts

Start with a long piece of floss, about 18 inches. Work your way through each tooth using a clean piece of floss, trying to floss around the curve of the tooth, instead of up and down. Floss gently, without going too far into the gum line to avoid bleeding and inflammation.

Insurance

Many companies offer dental insurance at a pretty low monthly rate, but is it worth it? Maybe. Most plans offer good coverage for preventative services like regular checkups. Even if the cost of the plan is about the same amount you would pay out-of-pocket, having insurance may make you more likely to go to the dentist in the first place. But dental plans often do not cover complicated or expensive procedures, so be sure to do your research before signing up for a dental plan.

Dealing with Dentist Dread

Many adults are just as nervous as children are about going to the dentist. Don't let your fear and anxiety keep you from getting regular checkups or your problems may get much worse, and more painful. If your anxiety is debilitating, seek out a doctor who is willing to help you with relaxation techniques or medication to get through the anxiety. Get your teeth checked twice a year to maintain the best oral health.

For questions about dental insurance, call or contact Strachan Novak Insurance Services today.

When the last of the children head off to college or out on their own, some parents, although sad, breathe a sigh of relief. For many, getting the kids out of the house will immediately relieve some serious financial stress. But it's important to be smart with how you handle that extra income so that you're setting yourself and your children up for a secure future. Here's what to do when your dependents become independent:

Think carefully about cancelling your life insurance. It might seem like a good idea to cancel your life insurance when you no longer have dependents and are comfortably living off of your retirement; but this decision should be made thoughtfully. Many young people end up doing a second stint in their parent's' home or will need ongoing support (if you have a special needs child, for example). An unexpected death can also take a heavy financial toll on spouses, who may struggle to pay the bills without their partner. Finally, some parents choose to maintain their life insurance with the idea of leaving a legacy for their children or contributing to an important cause. Whatever you decide, be thoughtful about whether to maintain your life insurance into the future.

Secure your health. As health issues related to aging increase, it's important to have the right kind of coverage. If you are lucky enough to retire early, you may need to purchase your own health insurance until Medicare kicks in at age 65. Before you leave the workplace, find out if you qualify for COBRA, which will allow you to keep your health insurance for up to 18 months after you retire. Lastly, do your research on Medicare programs to find out whether you will need to fill any gaps in coverage.

Consider extended care insurance. Also known as long-term care insurance, extended-care insurance is for people who need help with the activities of daily living--such as eating, bathing or dressing--due to an illness or impairment. Whether it takes place in the home or in an assisted living facility, this type of care is usually beyond what's covered by your basic healthcare plan. Purchasing extended-care insurance can help you to protect your assets and get the assistance you need when you are unable to care for yourself.

Meet your children's health needs. It's important to keep your son or daughter insured through the risky teens and early 20s. If they're going off to college, there will likely be a health plan available through the school. If your child is leaving the home but not going to college, be sure your health insurance will continue to cover him or her for the next several years. If not, you may need to purchase an additional policy.

Becoming an empty nester is an exciting and sometimes scary prospect. Follow these suggestions to keep your financial health in tip top shape well into the future.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Everyone is entitled to a safe and healthy work environment: your employer is required by law to provide a safe workplace, adequate training in a language you understand, and appropriate safety equipment, among other things. If you are injured on the job or have a safety concern, it's your right to file a report and to be free from retaliation by your employer for speaking up. Read on to find out all about OSHA and how to exercise your right to health and safety at work.

What is OSHA?

The Occupational Safety and Health Administration is a division of the Department of Labor and is responsible for ensuring that employers follow the Occupational Safety and Health Act. Passed in 1970, the Act outlines employees' right to a "safe and healthful" workplace by setting forth standards and regulations that employers must follow.

Who is covered?

Most employees are covered by OSHA or a similar, state-run, job health and safety program that must, at minimum, meet the same standards required by OSHA. Self-employed people, independent contractors, volunteers, interns and others who are not legally considered employees may not be covered by OSHA.

What are my responsibilities as an employee?

As an employee, you are required to follow the rules, regulations and safety procedures of your employer. You also have a responsibility to understand and follow OSHA guidelines and requirements; and to report any job-related injury, illness or hazard to your employer.

When should I file a complaint?

If you believe your working conditions are unsafe or harmful to your health, you have the right to ask questions and to request that your employer amend the situation. If your employer refuses to take your concerns seriously, you can file a complaint with OSHA. If the circumstances clearly present a high risk of injury or death, it may be within your rights to refuse to work until the concern has been addressed. Follow this link or go to the OSHA.gov website to file a complaint online, or by phone, fax or mail.

What happens if my employer gets angry at me for contacting OSHA?

It is against the law for an employer to retaliate in any way against a worker for exercising his or her legal rights. This means your employer cannot fire, demote, transfer or punish you in any way if you choose to file a complaint. If you feel you have been the subject of retaliation, you can file a discrimination complaint, also known as a whistleblower's complaint, at OSHA.gov.

What should I do if I am injured at work?

After you take care of any acute symptoms, it's important that you report any injury to your employer. Even if you don't think you will need medical attention, it's better to report an injury and have it resolve itself than to find out it's worse than you thought and not be able to get the care you need. It's best (and may be required in your state) to report injuries in writing to ensure your right to worker's compensation is protected.

For questions about business insurance, call or contact Strachan Novak Insurance Services today.

1. Be direct: A performance review isn't the place for mincing words or trying to make things sound better than they are. Be clear, direct and specific, so that each employee has the information he or she needs to improve his/her performance, and knows what they are doing well.
2. Be a good listener: Being a great listener means giving the other person time to speak without interruption, and listening to more than just what the other person is saying. Remember that people often have trouble communicating when they are stressed or scared, and give your employees the benefit of the doubt.
3. Be collaborative: Instead of giving a long-winded critique, approach reviews as a collaborative conversation, with the intention of helping each employee to take an honest inventory and find creative ways to solve problems in order to make personal and professional progress. This will make your charges more open to the process--and less likely to go on the defensive when difficult subjects arise.
4. Be a champion: The best managers understand that great employees are their most important asset. To help yours achieve maximum growth, give them authentic, specific praise. Show that you care and support them, be fair-minded and trustworthy, and make sure they know you believe in their potential.
5. Be focused: Steer clear of gossip, personal conversations, or other subjects that might derail or even blow up the conversation. Don't discuss other employees' performance or behavior, and don't allow a disgruntled employee to push your buttons.
6. Be efficient: A performance review should follow a standard format so that both parties know what to expect and so that the conversation stays on track. Sticking to a script will keep reviews professional and help you to avoid getting sidetracked by irrelevant or too-personal topics.
7. Find common ground: If things get heated, guide the conversation back to your common purpose: to cultivate a mutually beneficial relationship that supports each employee in living up to their professional potential. Remind the employee that you want what's best for both parties, and look for things to agree on.
8. Be empathetic: It's tough to hear difficult feedback, and not many people are skilled at accepting it gracefully. So how would you like to hear somebody give you criticism? What would make you most likely to listen? Plan ahead, and try to say things in a way that will be most likely to be "heard" by the other party.
9. Be open: It's likely that at some point you will be on the other end of some feedback you hadn't planned on hearing, either. Being willing to admit areas of weakness and places management can improve, too, will go a long way in earning employees' trust and respect.
10. Be prepared: If it's necessary to bring up something unsatisfactory about an employee's performance, don't go into the review without evidence and documentation. Be sure your information is reliable, and stick to the facts.

For any questions about business insurance, call or contact Strachan Novak Insurance Services today.

For small business owners in Ohio, taking off for a summer vacation can be more stressful than just staying at work. Here are some tips for going on vacation if you're the boss so that you can actually relax while you're away from the office.

7 tips for going on vacation if you're the boss:

1. Prepare staff well ahead of time: Leaving somebody else in charge while you're away will be much less anxiety making if that person has had some time to learn the ropes. Instead of making your backup boss responsible for a whole bunch of unfamiliar tasks at the last minute, give them opportunities to step in and learn throughout the year, so that they actually know what they're doing. Similarly, make it common practice to give employees enough training to be able to cover for their peers. This way, when someone quits, gets ill, or goes on vacation, your employees won't be blindsided by having to cover for somebody else on short notice.
2. Consider the benefits: Getting not just out of but away from the office for real is a great way to show faith in your employees and give them an authentic opportunity to step up and grow. Plus, you will get some much needed rest, which will enhance your motivation and productivity when you return. Vacations have also been shown to have health benefits and to make people happier. With so much to gain, how can you not take a vacation?
3. Don't be a guru: Creating a business that relies on the strength and expertise of one person who has to be around all the time is a setup for failure, not to mention burnout. Fostering an atmosphere of teamwork and mutual responsibility not only creates a healthy professional environment, but it also makes it easier to take time away even if you're the boss.
4. Make yourself as unavailable as possible: Do you really need to be answering emails and phone calls while you're away? Only you can answer that question, and it may be that checking in every once in awhile actually makes you feel better about being gone. Whatever you decide, keep communication with work to an absolute minimum to experience the full benefits of your time away.
5. Take advantage of digital tools: Using simple technology tools like an automatic out-of-office reply on your email can help put you at ease because you can assure clients that you will be back in touch soon. And if you need a little help staying unplugged, there are even apps that will lock you out of your smartphone or block addictive apps for a set period of time.
6. Define "emergency": Even if you're a laid back boss, there are probably a few scenarios that could and should warrant your immediate attention. Let your staff know what these are and how they should contact you something serious occurs. Consider having a separate emergency number or ringtone so that you know the call is critical. Finally, make a detailed list of contacts for potential problems like technology or building issues, so that any minor emergencies can be handled without your assistance.
7. Ask yourself: How important is it? Yes, things can and might go wrong while you're on vacation. But it's unlikely that something catastrophic is going to happen. And even if it does, there may be little you can do about the situation even if you're on the scene. In the end, you may have a few regrets about taking time away; but it's likely you'll have many more if you don't.

For any business insurance questions, call or contact Strachan Novak Insurance Services today.

Perform a thorough inspection on all systems and equipment:

• Fuel System: Check fuel lines, filters, clamps and, of course, the fuel tank for damage or wear and tear. Look for leaks, cracks and secure fittings between elements. If anything seems off, don't take the risk: just replace it.
• Belts, Cables and Hoses: Winter weather can cause these items to crack or become brittle. See that all belts fit snugly and that cables don't show any cracks or swelling.
• Propellers and hulls: Inspect propellers for cracks or dings and other damage; be sure it is securely in place and replace bearings if necessary. Thoroughly clean the hull and decks and make sure the drain plug is secure.
• Battery and electrical system: Be sure your battery is charged and check all electrical connections for corrosion before getting out on the water. Because a boat's electrical system is inherently different and presents unique risks, always use an experienced marine electrician and be sure to have your wiring inspected by a professional on a regular basis.
• Fluids: Check fluid levels, power steering fluid, oil and coolant.
• Safety gear and equipment: Check lights, fire extinguishers, carbon monoxide detector and other safety equipment to be sure it's in good working order. Make sure you have an adequate number of life jackets in proper sizes, as well as flotation devices for emergency.

Review boating rules and regulations:

• Check that your registration is current and meets the requirements of your state.
• Although most states do not require that you have a special license to drive a boat; many states do require a safety course or have other regulations, depending on the age of the driver. Make sure you are familiar with your state's licensing requirements before getting on the water or allowing someone else to drive your boat.
• Similarly, laws regarding water skiing, noise, boating under the influence and marine sanitation vary by state. Review your state laws and guidelines to ensure a safe and stress-free boating season.

Spring is a great time to clear away the clutter and freshen your living and working spaces for the year ahead. Why not borrow the idea and give your personal finances a thorough "cleaning" too?

Follow these 6 steps to achieve a bright and shiny financial picture this year:

1. Collect data:
   If you've been working to stay comfortably in denial about your personal spending habits, the first step is to take an unflinching look at where your money is going. There are many different tools you can use, from apps like Mint or HomeBudget to a simple spreadsheet on your computer. Super low-tech options like saving receipts, printing out bank statements, or using plain old pencil and paper can be just as effective. Choose a method that works for you and gather data for at least one month.
2. Take Care of the Basics:
   Start by making a list of your regular bills and income money you can be pretty darn sure is coming in and going out every single month. Then, take the necessary action to make paying bills as simple and streamlined as possible. Sign up for an automated bill pay service, rearrange due dates so they are either at the beginning or the end of the month, or sign up for budget billing with your energy company.
3. Experiment with a Budget:
   Now that you know what's probably coming in and what is definitely going out, it's time to look at what's left and where that money is going. Use your data to determine roughly how much you're spending on necessities, such as groceries, that don't take up the exact same amount of your paycheck every month. Get a weekly or monthly average for each of these categories, then subtract those from your income (subtract bills, too). Finally, decide how much you need each week in discretionary income, and how you plan to allocate anything left over.
4. Plan to Save:
   It doesn't matter how you trick yourself into saving money; it just matters that you do it. Innovative apps like Qapital sync with your bank account and let you create "rules" like rounding up to the nearest dollar on every purchase and saving that amount that make saving totally painless. And it always feels good to keep a little cash in between the mattresses, too. Whatever you do, make it a point to make saving a part of your budget.
5. Enlist an Expert:
   Depending on the details of your financial situation, it may be wise to enlist the help of a debt counselor or financial planner for guidance. Don't be afraid to ask for help from an expert, especially if you're in over your head.
6. Ask the Tough Questions:
   Now it's time to go back to those bills, monthly necessities and discretionary purchases, and look for ways to improve your financial health. Do you really need all those digital subscriptions? Is there a way to reduce any of your other monthly bills? How about packing a lunch or eliminating one dinner out per month? A savings of just five dollars a week will yield about $250 bucks in a year's time--enough to use towards something that has real value.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

You Aren't Just Anyone

Insurance policies are made to be customized for a reason. The business executive has more income and assets to protect from liability claims than the recent college graduate. Families have more people to think about than young single people or an empty nester. And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times. We all have different pursuits, different incomes, different bank balances at different points in time. The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.

Big Changes Impact Insurance Needs and Discounts:

Big events can influence our insurance options and decisions, though we don't always connect the event with insurance. Here are a few of the larger life changes that have implications for your personal insurance program:

• Buying a new house
• Remodeling your house or adding a new pool
• A change in your marital status
• Welcoming a new child into your home or proudly watching one leave
• A significant change in home values and building costs

Little Changes Matter Too:

And it's especially easy to miss the connection between less consequential milestones and your insurance. Here are a few of those

• One of your kids makes the honor roll
• Your new vehicle has updated safety equipment
• Hooray! You pay off your car loan
• You begin to travel more
• A business opportunity has allowed you to work from home
• You shift more of your purchases to online

We Make Insurance Reviews Easy:

These lists aren't anywhere near to being inclusive, but as exhaustive at the list of possibilities might seem, an insurance review doesn't need to be exhausting. We would love for all of our clients to stop in and see us and let us help them review their needs over a cup of coffee, but not everyone has time to carve out for a meeting. That's why Strachan Novak Insurance Services has a Personal Annual Review Wizard. You can get your review started in just a few moments with just a few simple questions all handled right from your smartphone, if you want. Try out the Personal Annual Review Wizard

Water crises seem to be everywhere, from the ongoing droughts in the West to the recent water-related disaster in Flint, Michigan, to the problem of clean water that devastates the people of many third-world countries. Still, if you don't live in these areas, it may feel like these issues don't, or won't, affect you: but that couldn't be further from the truth. Here is what you should know about water safety and how you can contribute to the solution.

The Water Problem:

Clean water is necessary to prevent disease and to sustain human life. According to the organization Water.org, approximately 663 million people lack access to clean drinking water, that's about two times the population of the United States; which makes the water problem no less than a global public health emergency that's only going to get worse. In 2015, the World Economic Forum rated the water crisis number one ahead of climate change, terrorist attacks, and the spread of infectious diseases as far as risks that "are very likely to occur and with massive and devastating impacts."

How We Contribute:

According to the United Nations, humans' use of water has been increasing at twice the rate of population increases over the last century. Climate change, burning fossil fuels, pollution, the use of pesticides and fertilizers in agriculture all have an impact on the quality and availability of water resources.

Is Your Water Safe?

There are many resources available to help regular consumers find out about the safety of the water in their area. One easy to use database is maintained by the Environmental Working Group. Just type in your zip code to see reports on pollutants and chemicals related to health recommendations and legal guidelines. The Environmental Protection Agency also provides access to its Safe Drinking Water Information System.

Protecting Your Family:

If the water in your region is of questionable quality, there are many filtering systems available that can increase the safety of your supply. Faucet or carafe filters, reverse-osmosis systems, and just plain old boiling can all reduce contaminants and bacteria. Follow this link to the National Sanitation Foundation for help choosing the best water filteration system for your needs.

Be Part of the Solution:

Although the causes of water scarcity may seem too big to fathom, there are many things individuals and communities in Ohio can do to reduce the problem. These include limiting your own use of water, eating locally grown foods, and reducing your consumption of red meat. Driving less and using water friendly landscaping can also have a positive impact. Finally, donating to organizations like The Water Project or Charity: Water will help to bring clean water to those in high risk areas.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

When Hurricane Katrina touched down in 2005, humans were not the only species affected by its destruction. And because emergency relief agencies were not in the business of saving pets, nearly half a million animals were left behind, devastating many owners and causing public outrage on their behalf. Passed in 2006 as a direct result of Hurricane Katrina, the Pet Evacuation and Transportation Act now requires state and local agencies to consider pets and service animals in their emergency preparedness plans. While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Here are a few things you can do:

ID your pet: If your dog gets lost, he won't be able to give his name and number to a good samaritan. Make sure your pet always wears up-to-date ID tags that include your pet's name, your name and phone number. Consider microchipping your pet as an additional precaution; if your pet is rescued by an animal organization they will be able to scan the chip to obtain your information. Finally, carry photos of your pets so that others can help you find and identify them if you are separated.

Stock pet supplies: Just as it's a good idea to keep 72 hours' worth of non-perishables and water for emergency situations, it's also a good idea to set aside extra food (preferably canned), medicine and other necessities for your pets. You may also want to include a pet first aid kit, an extra collar and leash, a blanket, toys, and copies of your pet's medical records, including vaccinations. Finally, invest in a sturdy carrier for your animal that they can be transported easily and have a safe place to rest in the event of an emergency.

Find shelter: If you need to evacuate and cannot stay with your pets, it's important to have a plan to keep them safe and cared for. Check with local animal shelters or pet boarding facilities to see if they accept pets during emergencies, prepare a list of hotels that are pet friendly, or arrange with a friend or family member to keep your pets until you can be together again.

When disaster strikes: If your home or city is not safe for humans, it's probably not safe for pets, either. Ideally, you should take your pets with you when evacuating in an emergency. If this is not possible, use a rescue alert sticker so that emergency workers know there are pets inside your home. (To obtain a free sticker go to aspca.org.) Lastly, remember that the stress and confusion caused by an emergency affects animals just like it affects humans. Comfort your companion animal and don't be surprised if your cat or dog exhibits unusual behavior in a stressful and scary situation.

Watch this video, and see the checklist from the Humane Society of the United States:

Everyone in Ohio agrees that cyber safety is important, but what, exactly, does it mean to be "safe" online? And what do parents really need to know? Here are the top five things you can do to teach your kids how to become responsible digital citizens:

1. Teach them about privacy settings: If you have young children, it's best to use parental controls yourself to limit and monitor your kids' online activity. Older children can be taught how to use privacy settings so their photos and messages cannot be seen by just anyone on the web. Whether they're using Facebook, Instagram, or another web-based application, show your kids how to navigate privacy features or help them set up their accounts using appropriate limits. Show them how to disable location on any device or app they are using, so that they cannot be easily found by others. Regardless of your child's age, help them to understand that keeping their information secure is a priority, and to assume what they put on the web is accessible to anyone unless they take steps to protect it.
2. Teach them to post responsibly: Kids should understand that once they put something on an app or website, it cannot be taken back (even if it seems like it can); so they should think carefully before posting comments, photos, or anything else online. Teach your kids not to post anything that they would not say in person, or that they wouldn't want their parents or a college admissions counselor to find later on. Finally, teach kids to respect others' privacy by not posting information or photos of somebody else without permission.
3. Teach them how to interact with others: Just as in real life, children should be taught to recognize inappropriate behavior online and to respond by telling a trusted adult.
Kids should learn to look for these red flags: strangers who ask to meet in person; messages that contain offensive or lewd material or that simply make them uncomfortable; or anyone who asks them for pictures or personal information. Teach them to never give out their address or phone number, and to always ask before purchasing anything online.
4. Teach them that online activity is not anonymous: Kids should learn that just because they are physically alone doesn't mean that their online activity is anonymous, even if they are not using personal information. Most web browsers, email services, social media, and ecommerce sites track online activity and collect data on users constantly. Same as with posting, teach kids to avoid online activities that they wouldn't want their parents or teachers to know about.
5. Teach them to communicate: Cyber safety advocates agree that an ongoing dialogue with young people about their online activity is the best way to promote responsible use and prevent potentially dangerous situations from happening. As a parent, you should know what your kids are doing online, including who they're talking to, sites they visit, and what types of material they are putting out there. In addition to these tips, keep the discussion going to ensure that your children acquire the skills necessary to navigate the always changing cyber-universe.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

We all want to be the one to find a gift that makes the holidays unforgettable for that special child in our lives. Whether you're a parent, aunt, neighbor or godparent, don't let your quest for holiday magic steer you towards a purchase that might be unsafe or inappropriate.

Here are 7 tips for buying great gifts for the younger set:

1. Select age-appropriate toys: Be sure to buy gifts that are safe and appropriate for the child's age, ability, and development level. The National Association for the Education of Young Children of has a guide to toys by "age and stage".
2. Use common sense: Don't buy toys or gifts with sharp edges, tiny pieces, or moving parts, especially for very young children. If it looks poorly made or flimsy, put it back. Additionally, never give gifts that include ropes, cords or heating elements.
3. Check the label: Toys that have been screened for safety will have an American Society for Testing and Materials (ASTM) label, which means the item meets current U.S. safety standards. On art supplies, look for the ASTM label to ensure that the product has been checked for toxicity and includes all important safety warnings.
4. Avoid lead: Antique toys or toys that have been imported from other countries may contain harmful lead compounds. Although there are do-it-yourself kits that will allow you to test toys for lead at home, these types of screenings are not always accurate. The best way to avoid exposing your child to lead is to purchase newer toys (1978 or later) that were made in the U.S.
5. Sound check: Most toys do not have noise-level restrictions, so be sure to check the volume of any toys or electronic devices that have sound functions. Not only can loud noise be upsetting to both children and parents; it can also permanently damage a young child's hearing.
6. Give safety equipment: If you're gifting a bike or a skateboard, add a helmet as part of the package. Similarly, include corresponding safety gear when giving any type of sports equipment.
7. When the big day arrives: Be sure to monitor children as they unwrap gifts and begin to try them out. Clear away ribbon and wrapping paper quickly to avoid choking or fire hazards. Remove tags and stickers, read all instructions and assemble toys properly before allowing children to play freely.

Follow these tips for a safe and happy gift giving season!

For any insurance questions, call or contact Strachan Novak Insurance Services today.

The holidays tend to revolve around food: potlucks, family dinners, cookie decorating and seasonal celebrations offer dozens of opportunities to cook, bake and dine to your heart's content. Whether you're whipping up something in the kitchen or delivering homemade goodies, here are a few tips on food safety for the season:

The Basics:

The Partnership for Food Safety Education suggests following "The Core Four Practices" to help prevent foodborne illness in the kitchen. This includes the steps clean, separate, cook and chill.

Clean: Make sure your hands, utensils, equipment and workspaces are always clean. Wash everything in hot soapy water and wipe down surfaces on a regular basis. Finally, thoroughly rinse all fruits and vegetables, even scrubbing them if necessary.

Separate: Keep meats and produce separate, and use different cutting boards for each. Raw and cooked foods should also be kept separate to prevent cross-contamination. This not only applies to the kitchen, but also in the grocery store and in your refrigerator too.

Cook: Cook all foods to the appropriate temperatures and use a food thermometer to get it right. Remember, many meats may brown and look done before they are fully cooked. When using a microwave, stir and rotate dishes to ensure they are evenly cooked.

Chill: Keep your refrigerator at a consistent 40 degrees or lower, and don't overload the shelves to ensure that air can circulate. Get in the habit of marinating and defrosting foods in the fridge, not on your counter. Chill perishables as soon as you get home from the store, and when cooking or serving food, chill leftovers or ingredients as soon as possible.

Tips for the Season:

During the holidays, it's likely you'll be sharing meals and transporting food more often. Here are a few ways to bring food safety into your holiday celebrations:

Transporting: Keep cold food cold and hot food hot when traveling, and make sure all foods are covered and tightly packaged. If you have to travel more than a couple hours, consider shopping and cooking at your destination instead.

Serving: Use chafing dishes or plug in your crockpot if you plan to serve a buffet-style meal. Similarly, use ice packs or cold dishes to keep cold food cold. Make sure all dishes have their own serving utensil, and clean or replace them if they become contaminated.

Leftovers: Refrigerate any leftovers promptly when the meal is over, and don't leave anything out for more than two hours. Take the time to store foods properly in glass or plastic containers with lids. And if anything sits out for too long, toss it!

Reheating: The only thing better than Thanksgiving dinner is leftovers from Thanksgiving dinner. Always reheat foods thoroughly to at least 165 degrees, and allow dishes to sit for a few minutes afterwards so that the heat can kill any bacteria.

Holiday Foods: Some traditional holiday foods are more likely to cause foodborne illness than others. Make sure to thoroughly defrost your turkey before cooking, and be wary of recipes or fancy baked goods that call for raw eggs, such as eggnog.

For any questions about insurance, call or contact Strachan Novak Insurance Services today.

Know what's covered before the storm hits

Most homeowner's policies cover damage due to tornadoes, wind, hailstorms, severe temperatures, ice, lightning, and fire. In general, homeowner's insurance does not cover flooding; and your policy may have other restrictions based on what exactly caused the damage to your home, even if it happened during a storm. Talk to your insurance agent about additional coverage if you live in a high-risk area.

Exercise caution immediately following a storm

Just because you can't see it doesn't mean your home has not been damaged. If you're unsure, it might even be a good idea to stay somewhere else for a few days. If you decide to temporarily relocate, your insurance policy may help you cover some of those expenses. Finally, consider hiring a professional storm inspector to assess your home if you are not sure if you can do the job safely.

Document potential damage

Common types of damage after a storm include roof, window, and structural damage as well as exterior damage to paint or siding. After the storm passes, treat your home like it's a crime scene: before moving anything, take plenty of photos and/or video, inside and out. Carefully document all damages.

Call your insurance company

Make contact with a claims agent as soon as possible. They will help you to properly assess the damage to your home and understand what's covered by your policy, as well as walk you through the claims process.

Click here to view a list of insurance company claim phone numbers.

Make temporary repairs

After a severe storm, be sure to cover broken windows and exposed areas, and remove glass, tree limbs, and debris where it is safe to do so. Quickly address downed power lines or other electrical hazards by calling 911.

Hire a credible contractor

Did you know that some contractors travel to areas hit by storms to take advantage of unsuspecting homeowners? To avoid hiring one of these "storm chasers," do your research. Ask around, make sure they are licensed, and check online reviews before signing on the dotted line. Verify your contractor is local, certified, and has insurance coverage to practice in your state.

Work with your insurance agent to negotiate the claim

Ideally, the contractor you hire will have extensive experience working with an insurance company and will be able to help you navigate the process of getting repairs paid for and completed. Regardless, it's a good idea to get any quotes approved before proceeding with work on your roof or home. Save all receipts, including those from any temporary repairs made to your home.

For more information about storm damage and insurance, call or contact Strachan Novak Insurance Services today.

A standard homeowner's or renter's policy will cover many of these items, but only to a limited extent and under certain circumstances, such as loss due to fire or theft. If your homeowner's policy doesn't provide adequate protection, it's possible to amend your policy to increase the cap on a reimbursement or extend your coverage to include additional causes of loss. If you can't negotiate the coverage you need within the confines of your homeowner's insurance, consider purchasing a separate, specialized or scheduled policy for the following items:

Jewelry: It's pretty likely that the standard cap on your homeowner's insurance will not accommodate the value of most expensive jewelry. An easy option is to increase the liability limit for these items by paying a slightly higher premium but this still may exclude many accidental causes of loss. A good standalone or supplemental policy offer protection from the "mysterious disappearance" of precious jewelry, as well as stones that fall out of their settings, among other things.

Artwork: If you own one or two high-quality pieces of art, it's a good idea to have them appraised regularly and covered under a fine art "floater" on your homeowner's insurance. But if you are a collector or if your art is frequently moved around to different venues, a standalone policy is highly recommended. Art insurance specialists can help you accurately value your collection, and a specialized policy will guarantee coverage in a wider variety of circumstances.

Bikes: If you own a state-of-the-art bicycle, it's definitely a good idea to check into specialized coverage that will garner you the highest reimbursement in the event your bike is lost, damaged, or stolen. Policies for serious cyclists may offer coverage for rental bikes, theft away from home, and even event fee reimbursement.

Identity: Identity theft insurance (sometimes called identity fraud insurance) is now commonly available as an endorsement to a standard homeowner's policy or a standalone product. According to the Insurance Information Institute, "Identity theft insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports." This means it may help pay for everything from stamps to legal fees should your information be stolen. An identity theft policy does not reimburse you for money stolen via identity theft; however, it just helps you to pick up the pieces.

Instruments: If you're a casual player who uses your instrument at home, your homeowner's insurance may be enough to cover you if your instrument is stolen or damaged in a fire. But if you regularly travel with your instrument or own an especially expensive antique, chances are a homeowner's policy will not protect your instrument against the most likely causes of loss or damage. Musical instrument and gear policies are relatively inexpensive and will give you much more peace of mind.

Computers: Knocking a cup of coffee onto your laptop might ruin your day, but it doesn't have to become a nightmare. At the very least, be sure your homeowner's policy covers the replacement value (not the actual cash value) of your desktop or laptop. If you choose to go with a standalone policy, you can get coverage for all kinds of accidents, plus hard drive crashes, LCD issues and even WIFI failure.

The sky's the limit: No insurance company starts out with a standard vocal chord coverage policy so if there's something that is especially valuable to you, talk to your agent to see if it's possible to get more comprehensive coverage. Remember, if you choose to schedule valuable items under your homeowner's insurance rather than purchase specialized coverage, it's up to you to keep track of their value and regularly update your policy.

Questions? Call or contact Strachan Novak Insurance Services today.

Gathering school supplies, updating vaccines, and returning to a regular sleep schedule are part of a long list of things that need to be done before sending kids back to school. If your child also has a food allergy, preparing to go back to school takes extra effort and due diligence. Here are some things you can do to make sure your child's medical needs are met throughout the school year.

For Kids & Parents

Communicate early and often: As a parent, it is your responsibility to notify your child's school of his or her allergy. Provide the school with medical documentation as well as clearly labeled medications and instructions on how to use them. Keep the school updated on any episodes or changes to your child's condition.

Have a plan: Provide detailed written instructions outlining what to do in case of an emergency. Be sure this information is not only communicated to teachers, but also to those leading extra-curricular programs or driving school buses. Plan to meet with the school nurse and counselor to review your child's food allergy plan and make necessary accommodations. The Food Allergy Research & Education Center offers a downloadable Emergency Care Plan.

Know your rights: Some states have laws requiring schools and childcare facilities to adhere to certain guidelines to protect children with food allergies. Whether or not your state has these guidelines, it is against the law for your student to be excluded from classroom or school-sponsored activities because of his or her condition.

Teach self-management: Be sure your child is educated about their allergy and knows how to communicate it to adults (to the degree that can be expected, depending on their age). Older children and adolescents can take more responsibility for their condition; teach teens to read labels carefully, and check to see whether your child may be allowed to carry their own epipen in case of emergency. For children of all ages, a medical alert bracelet is always good idea.

For Schools & Teachers

Avoid allergens in class: Ideally, classrooms should be kept food-free. If that isn't possible, encourage teachers to avoid using foods that contain common allergens like nuts, milk, and soy as prizes or part of classroom instruction.

Coordinate care: Have a system for communicating students' allergy information to teachers and other staff that need to know about it. Making sure the process is the same for all students will ensure that nobody gets overlooked.

Provide training: Teach all staff to recognize symptoms of an allergic reaction, and train them to administer epinephrine auto-injectors. Consider specialized training for staff who work directly or more often with students who have allergies.

Adopt safe practices: Encourage staff and students to wash their hands after handling food and to keep potential allergens separate from other foods. Cafeteria kitchens should have designated "allergen-free" areas; food service staff should read labels carefully so that students know exactly what they are eating.

Address emotional needs: The key terms in creating a supportive environment for students with allergies are "safe" and "inclusive." Try to make accommodations for these students in a way that won't make them feel singled out. Teach other students about food allergies and adopt a zero-tolerance policy for bullying.

For answers to any of your insurance questions, call or contact Strachan Novak Insurance Services today.

Are homeowners really responsible for their guests?

Social host liability specifically refers to the responsibilities of a host or establishment that serves alcohol. When it comes to these laws, every state is different. Homeowners can also be held liable if an accident occurs on their property due to unsafe conditions, such as failing to maintain pool or playground equipment.

Before inviting summer guests, know your state's laws and visit with your insurance professional to understand your responsibilities as a host. In the meantime, here are a few ways to avoid common summer mishaps and ensure that you, your family, and guests are protected.

Grill with skill: It's no surprise that a gas or charcoal barbecue is a potentially dangerous piece of equipment. Make sure yours is well cleaned and in working order before your first summer cookout. Always operate the grill in an open space, away from furniture, decks, or children at play, and never use a barbecue indoors. When operating the grill, wear protective clothing and use appropriate utensils to avoid getting burned. Never leave a grill unattended. Finally, in case of fire, keep a fire extinguisher, baking soda, or a bucket of sand close by.

Prevent Foodborne Illness: When cooking outdoors, use the same safe food handling practices you would use in the kitchen. Keep raw meats separate from other foods, and don't leave any food items out for an extended period of time. Use a thermometer to be sure meats are cooked thoroughly, and never reuse a marinade that has already come in contact with raw meat. Keep hot foods hot and cold foods cold. Last but not least, always wash your hands before and after handling food.

Practice Pool Safety: According to the U.S. Consumer Product Safety Commission, approximately 400 children drown each year and thousands more are injured while using a pool. Whether you're staying cool in a backyard or community pool, it's important to take safety precautions to prevent the worst from happening. First, don't allow children even older ones to use any pool unattended. Remember, knowing how to swim is an asset, but it's not guaranteed to prevent accidents. Private residence pools should be well maintained and securely fenced when not in use. Most importantly, make sure an adult is always assigned to keep their eyes on the water with no distractions.

Use Caution When Serving Alcohol: Serving alcohol to minors is an obvious no-no, but a homeowner can also be held responsible for underage drinking on their property even if they were not present or did not condone the behavior. Similarly, some states hold hosts liable for negligently serving alcohol to visibly intoxicated guests, if the guest's condition results in an accident or crime. Aside from the potential liability issues, serving alcohol at any event increases the risk that somebody will get hurt; so be sure to serve cautiously and keep an eye on guests who are drinking, especially if they are driving.

As long as you take reasonable steps to keep your property free of hazards, there's no reason to be discouraged from inviting friends, neighbors and family to your home for some hot dogs and hamburgers or an afternoon dip in the pool. Become a smart host to enjoy safe celebrations all summer long.

For more information, call or contact Strachan Novak Insurance Services today.

Summer in Ohio is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.

Top 10 Summertime Accidents:

1. Car accidents: More teenagers are killed in motor-vehicle accidents between Memorial Day and Labor Day than at any other time of year. If your teen is licensed, don't let that carefree summer attitude spill into his or her driving habits. Review safe driving rules, don't allow your teen to drive with too many passengers, and limit trips to only the essentials.
2. Heat stroke: Being active or just spending too much time under the hot summer sun can cause your body to overheat, leading to a serious condition called heat stroke. Signs of heat stroke include confusion, headache, nausea, and vomiting. If you plan to spend a lot of time outdoors, make sure to stay hydrated, take breaks, and wear loose fitting clothing to allow your body to cool properly.
3. Water accidents: It's not surprising that the rate of drowning and boating accidents spike in the summer. Don't let kids play in the water unattended, and make sure young children and adults wear life jackets while boating or swimming in the lake or ocean.
4. Bike crashes: Whether you're riding a motor or manual, bike accidents can be dangerous and sometimes deadly. Always wear a helmet when riding bikes or motorcycles, and be sure that your kids wear them, too.
5. Sunburns: A long day in the sun can cause burn injuries severe enough to warrant medical treatment, and also increases your risk of skin cancer. Stay safe by wearing adequate sunscreen and protective clothing, and hang out in the shade whenever possible.
6. Food poisoning: Warmer weather combined with more opportunities for outside dining is a recipe for foodborne illness. Store meat, fish, and poultry separately from fresh and non-perishable foods. Keep all perishables at appropriate temperatures, and always use a meat thermometer when cooking outdoors. If there is any indication your food may be contaminated, don't think twice: toss it.
7. Playground mishaps: Playgrounds get more use in the summer months, and they also send many kids to the emergency room. Most playground injuries occur on public playground equipment, so make sure the playgrounds your children use are safe, and never let them use equipment unsupervised.
8. Bug bites: Mosquitoes, bees, ticks and other insects are out in full force during the summer, increasing the chance of bites, stings, and allergic reactions. Always wear protective clothing when recreating outdoors, apply insect repellent and, if you're allergic, keep antidote medicine close at hand.
9. Fireworks: Fireworks injure thousands of people each year, and approximately one quarter of those are under the age of 15. In addition, the misuse of fireworks causes over 15,000 fires every year. Use fireworks carefully and responsibly, and always have a safety plan.
10. Pet hazards: Don't forget our furry friends. In summer, dogs and cats are at an increased risk for many of the same dangers as humans: ticks and bug bites, heat stroke, getting hit by a car, or being poisoned as the result of eating dangerous foods. Never leave your pet unattended or off leash, and make sure she is getting adequate food, water and care.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Are you putting yourself and your family at risk?

Here are some driving practices that increase the likelihood of an accident, and ways to prevent them:

Using the phone: Texting and talking while driving are extremely dangerous. Think you've solved the problem by using a hands-free device? Think again. The National Safety Council has shown that even talking into a headset while driving can have dire consequences. Because both driving and talking are "thinking tasks," it's impossible to give your full attention to driving if you're talking at the same time, and the effect is magnified if you are talking to a device, rather than a passenger. Bottom line: if the conversation is important, it can wait.

Driving with Fido: Driving without a seat belt is just as dangerous for our furry friends as it is for humans. Tending to pets while driving can cause accidents, and leaving pets unsecured increases the chance they will be hurt if an accident occurs. It's tempting to let your pooch ride beside you or spread out on the back seat, but for your sake and theirs, make sure your animal is in a secure carrier or blocked-off section of the car while in transit.

Wearing a seat belt: Wearing a seat belt is the number one way to protect yourself against injury and death in the event of an accident. But many adults still do not wear seat belts on a consistent basis. Model seat belt use for your children, and make it a habit to buckle up every single time.

Chowing down: When you're consuming a meal or a drink behind the wheel, you're risking a lot more than a stain on your favorite sweater. Spilling food or hot coffee can throw you completely off balance and cause you to swerve off the road. Make it a point to eat meals in appropriate places, like at the table.

Managing your music: Not having the right tunes may seem like a serious problem, but taking the time to play with the radio or iPod while driving may have real consequences. Get the music going before you start your trip, and if you absolutely must change CDs or find a new station while in transit, pull over.

Driving drowsy: It's been widely demonstrated that driving while drowsy can be just as bad, or worse, than driving drunk. Resist the urge to go just a little bit further if you're feeling sleepy on a long car trip. Take the time to stop and sleep, even by just pulling off the road if you have to.

Rubbernecking: If you're human, it's extremely tempting to try and get a good, long look at an accident on the side of the road, or at the poor guy who just got pulled over. But giving in may mean setting yourself up for an accident or a ticket of your own. Mind your own business, for safety's sake.

For auto insurance questions, call or contact Strachan Novak Insurance Services today.

April showers eventually bring May flowers, but in the meantime, wetter and warmer temperatures can cause a variety of hazards along the way. Here are some common spring safety issues, and ways you can prevent their potentially harmful consequences:

Navigate the roads with care: As winter conditions give way to the spring thaw, temperatures and weather conditions can change rapidly, causing dangerous road conditions. If you regularly drive long distances, don't assume that warmer temperatures mean clear roads. Check routes ahead of time and stay alert to developing storms and weather. Most of all, expect the unexpected; spring driving can bring ice, snow, storms, wind, or flooding. Be prepared for anything.

Play safe: Warmer temperatures will inspire kids and adults alike to spend more time outdoors. But before you do, take preventative measures to ensure that you and your family will be safe out there. Inspect recreational equipment, such as bikes, helmets, outdoor toys or roller skates, to see that it's in good working condition. Clear debris from sidewalks, paths, and playground equipment around your home or neighborhood. Finally, people of all ages should review safety and emergency procedures before embarking on the great outdoors.

Schedule a checkup: Shifting weather, barometric pressure, and humidity, not to mention Daylight Savings Time, can exacerbate all seasonal allergies, skin conditions, and general health issues. Kids especially should visit the doctor, and, if necessary, the dentist or optometrist to make sure they're in tiptop shape for spring sports and activities. Remember to stay hydrated and don't forget the sunscreen, even if it's still chilly outside.

Clean your house and yard: Spring-cleaning can make your home feel fresh and brighten your mood. It can also prevent health and safety issues for you and your family during the spring and summer months. Indoors, replace air filters, clear fireplaces, and make sure your cooling system is in working order. Take time to scrub the oven and clean out the fridge. Outdoors, check the barbecue and propane tanks, clean up workspaces, and secure any hazardous substances or chemicals.

Get warmed up: Whether you'll be cleaning and moving furniture, climbing ladders outdoors, or going for a spring run, many injuries and accidents can be prevented by taking a gradual approach to increased activity in the spring. Consider taking a class or getting into shape with a friend to build up strength and flexibility. Be sure to stretch and loosen up before attempting physical activities. Finally, know your limits. Rest, ask for help, and take it slow with any new movement or exercise, especially if you haven't been doing it all winter.

Follow these safety tips and be on the lookout for hazards related to changing conditions, and you will be on your way to a safe spring and summer season!

For any insurance questions, call or contact Strachan Novak Insurance Services today.

After making it through midterms and the bleakest months of winter, spring break is more than enough reason for high school and college students to celebrate. But many spring break "traditions" in the U.S. have a dark side, and can sometimes result in life-changing consequences or even death.

Whether you're going on a family vacation, staying close to home for some R & R, or heading to the city or the beach with friends, here are some tips for having a safe, restful and healthy spring break.

Get a reality check: If TV and popular culture have you convinced that spring break is nothing more than an excuse for an extended party, it may be wise to revise your perceptions. Most people do not drink excessively or enjoy getting completely out-of-control. Make your spring break about more than just having a wild time: plan activities, sleep in, and take time to develop real bonds and lasting memories with your friends and family.

Watch your intake: Binge drinking is increasingly becoming a serious issue, and spring breakers of all ages often take this dangerous activity to a whole new level. Each year thousands of young people experience negative, often serious, consequences during spring break; and those who drink excessively not only harm themselves, but also put everyone else at risk. Remember, having a good time shouldn't mean putting yourself or others in harm's way. If you suspect you may have a problem with alcohol or drugs, go to ncadd.org to find resources and help. Finally, know the signs of alcohol poisoning (irregular or slow breathing, unconsciousness, confusion and vomiting) and if you suspect alcohol poisoning, get help.

Stay safe: A lot can go wrong when you're partying in an unknown city with people you don't know. Whether you or your friends are planning to drink, travel, or just go out on the town, take necessary precautions to stay safe avoid serious consequences. Minimize your risk by sticking with friends, making a plan and staying in frequent contact. Make an effort to keep your friends in view, especially if you're socializing with strangers. Don't accept a drink from somebody you don't know, or if you are unsure of where it came from. Leave valuables and important items at home or in your hotel and keep your wallet or purse secure.

Be prepared: If you're going somewhere tropical or out-of-the-country, make sure to get all the required vaccines and take health precautions if necessary. Check the weather and current events so you know what to expect. If you take medications, make arrangements to have enough with you while you are away. Before you go, make sure your emergency contacts are up to date, and take the time to consider what steps you will take if you are in an emergency situation.

Follow these guidelines and make your spring break an unforgettable adventure, for all the right reasons.

For any insurance questions, call or contact Strachan Novak Insurance Services today.

Here are some tips to help Ohio business owners find, and keep, the best employees for your business:

Know what to look for: Many ineffective hires can be avoided by using a thorough and conscientious interviewing process. This often starts with close scrutiny of candidates' cover letters and resumes, as well as their pre-interview etiquette. Look for gaps in employment history, inattention to detail, and clues as to whether your prospect is looking for a career opportunity or just a stepping-stone.

Take training seriously: Nothing is more disconcerting to a new employee than being asked to perform well without having been properly trained; or getting shown the ropes by another relatively new hire. Take the time to develop and standardize quality training for each position in your company, and give your new hire a decent amount of time to learn the job.

Show you care: Employees who feel valued are much more likely to tolerate the not-so-great aspects of a job and stick around. Look for ways to praise your staff, both individually and as a whole. Small, cost-effective perks, from bagels and coffee to flexible work hours, can go a long way in making your company known as a great place to work.

Pay a better wage: Studies show that employees who are paid more work harder, period. It may seem counterintuitive if you're trying to grow your business on a tight budget; but offering a competitive wage might actually help you get more out of the employees you already have, while protecting your business from the substantial losses that come as a result of high turnover.

Incentivize performance: Offering incentives for increased sales or productivity can increase workers' output and create a fun environment at the same time. Whether you plan to offer small rewards or major bonuses, look for incentives that are meaningful to your employees and they will be sure to have a positive effect on performance.

Promote internally: Encourage strong employees to apply for higher-level positions, seek advanced training, and learn new things. Make it clear that you value your employees' continued professional growth and want to help them realize their long-term goals.

Value communication: Open communication is critical to keeping your staff and business healthy and productive, not to mention competitive. Foster an environment of trust and honesty, where quality employees have a safe place to make mistakes and take risks. Provide a venue for honest feedback, and when it's given, be sure to listen.

In the final cost-benefit analysis, the cost of hiring and training new employees far exceeds the cost of offering a competitive wage and benefit package to great employees. Make a commitment to reducing turnover in your business, and save yourself precious time, money, and stress.

For more information about business insurance, call or contact Strachan Novak Insurance Services today.

Start with the basics: A healthy office environment begins with a high standard for workplace safety. Whatever your industry, make sure your building and equipment are up-to-date and well-maintained and that all staff have adequate training in basic safety policies and procedures.

Change the scenery: A fresh perspective might be as easy as moving around a few desks and springing for a green plant or two. Update your office for aesthetics and ease-of-use by getting rid of unused furniture and supplies, clearing away clutter, eliminating hazards (like unruly cords), and re-arranging the space so it's conducive to the work at hand.

Junk the junk food: If you work in an office that has vending machines or food for sale, look into providing more fresh and healthy options, and making them more readily available than the less-healthy ones. Fresh fruit, nuts, and string cheese are inexpensive and healthy snacks that provide steady energy without the sugar crash.

Think prevention: Consider replacing outdated office furniture with ergonomically correct chairs, keyboards, and other therapeutic options, like stand-up desks. Some of these items can be a bit pricey on the front end, but may save your company on health insurance costs in the long run.

Enforce break time: The research shows that employees work better when they take breaks. Don't perpetuate the myth that being a "good employee" means working through lunch and taking projects home at night. Instead, encourage your employees to take care of themselves both in and out of the office by taking regular breaks, eating well, exercising, and spending quality time with family and friends.

Incentivize health: Many companies these days work with health insurance carriers to offer incentives for their employees to get in shape and improve their overall health. Get your staff focused on healthy lifestyle habits by offering prizes, such as massages or cash bonuses for those who achieve exercise or diet goals, complete a health screening, or attend a seminar on a health-related topic.

Follow these guidelines in 2015, and you are sure to discover that a healthy workplace is an investment worth making.

For any questions about business insurance, call or contact Strachan Novak Insurance Services today.

Around 200 home fires are caused by Christmas trees each year, some resulting in serious injury or death. If you think you're off the hook because you're using an artificial tree, think again. Even "fire-resistant" artificial trees can catch on fire if the temperature is too extreme. Read on find out which type of tree is right for you and how to enjoy it safely, whichever you decide.

Choose wisely: If you decide to go fresh, pick a tree with flexible and fragrant not dry and brittle needles. Shake the tree and make sure it doesn't lose too many needles, and examine its bark and branches for pests and insects. Last but not least, measure carefully to ensure the tree fits properly in your home.

Set it up right: Your tree should be at least three feet from any heat source, including fireplaces, vents, radiators, and other light fixtures. Make sure it is secured well and not in the way of traffic. Before erecting your tree, saw about an inch off the bottom the same way you would with fresh-cut flowers to ensure maximum hydration.

Light safely: Faulty wiring from Christmas lights is one of the primary causes of holiday tree fires. Make sure your twinkling lights are working properly and meant for indoor use, don't overload your outlets, and if you must have candles for your tree, make them electric.

Water often: When the tree is coming down after Christmas, it may not seem that important to keep it well watered. But having a hydrated tree will make all the difference in the event of fire. Watch this shocking video to see how much worse a fire could potentially be if your tree is dry and brittle. If you plan to keep your tree up for a while, don't forget to water in the New Year - almost as many Christmas tree fires occur in January as in December.

Which tree is best? Fake vs. Real

Most people who have answered this question for themselves think this choice is a no-brainer. But for those who are still on the fence, there are plenty of pros and cons to consider.

If your priority is minimum cost and maximum convenience, a fake Christmas tree may be the best way to go, especially since fake trees don't look all that "fake" anymore. Purchase a quality artificial Christmas tree once and you will be set for many years.

From another perspective, though, an artificial tree is not so efficient. Most environmentally-minded groups advocate real over fake trees because they benefit local farmers (the great majority of trees nowadays come from farms and not forests), are 100 percent recyclable, and don't contain potentially harmful plastics or chemicals.

It's also a myth that artificial trees are definitively safer. Since most holiday fires are started by overloaded electrical outlets, both types of trees are equally likely to catch fire. Even "flame resistant" artificial trees have been known to ignite at high enough temperatures, and unlike real trees, they emit harmful toxins while burning.

Bottom line: Unless your wallet prevents you from buying a new tree every year, a fresh Christmas tree is the superior option. But if you exercise care and caution when setting up and maintaining your tree, it's possible to have a safe holiday season whatever your choice.

Difficulty with memory and learning: Our ability to acquire and retain information is diminished when we don't get enough quality sleep. During deep sleep, our brains process the things we learned or practiced during the day and "strengthens" those memories, so that we can access them more easily tomorrow.

Unstable mood: Those who get an insufficient amount of sleep experience greater incidences of depression, anxiety and other mood disorders, not to mention more stress and irritability. Studies show that even a small amount of sleep deprivation can greatly impact your mood.

Compromised health: Both under sleeping and oversleeping are related to a multitude of health issues and increase your risk of chronic illness and disease. Lack of sleep is linked to an increase in blood pressure, stress, and blood sugar, and a decrease in immune system function.

Decreased productivity: Thinking and perception are greatly impacted by lack of sleep, resulting in poor performance and productivity at work and school. A student with a crucial test in the morning would be better prepared by getting enough sleep than spending her time cramming.

Risk of accident and error: Not surprisingly, lack of sleep can result in increased errors and accidents, and some of these can be life threatening. Studies have shown that medical professionals make more errors when they have not gotten enough sleep. "Drowsy driving" can be just as dangerous as drunk driving, and accounts for one in six deadly traffic accidents.

So, what constitutes good sleep?

Most people are familiar with the guideline that children and teenagers need approximately 9-10 hours of sleep per night, and adults should aim for 7-8 hours. But there's a little more to it than that. Pregnancy, aging, and physical health can all influence how much sleep a person needs. Healthy sleep also encompasses quality as well as quantity, meaning more time spent in deep (REM) sleep, which is the most restorative in terms of physical health and repair.

Committing to good "sleep hygiene" will ensure that you get the most out of your rest. Simple ways to improve the quality of your sleep include keeping your bedroom device and television-free, avoiding caffeine, nicotine, alcohol and large meals before bed, and maintaining a regular sleep schedule. Recent research has shown that the "blue light" emitted from cell phones, computers and televisions is particularly disruptive to quality sleep, so avoiding these devices for an hour before bed, and using them wisely during the day, may improve the caliber of your sleep.

For any questions about health insurance, call or contact Strachan Novak Insurance Services today.

School in Ohio is in full swing, which means young people are spending more time online using social media, plus a variety of other Internet resources and entertainment options. This leaves many kids at risk for cyber-bullying, online predators, and identity theft.

PEW Research reports that 95 percent of teens use the Internet, and 81 percent of those regularly access social media sites. Another recent PEW finding reveals that nearly 1 in 4 students have experienced cyber-bullying. In cases of online sex crimes against minors, 82 percent of offenders used information gleaned from social media sites to learn more about their victims, according to the Journal of Adolescent Health. These sobering statistics are a reminder that risky online activity can have dangerous consequences for young people, and that teaching Internet safety should be a priority for every parent.

Take these steps to increase your child's tech literacy skills and help him or her to become an informed digital citizen:

• Keep the conversation going: The number one thing you can do to help your child navigate the complexities of digital citizenship is to communicate with them regularly about their technology use. Which social media sites are they visiting? Who are they texting? Talk to your kids about what is acceptable to post online, and teach them good habits for interacting in the digital universe.
• Read the fine print: Both children and parents are guilty of blindly clicking "I agree" to get to the content they are looking for, but don't make it a habit. Take the time to find out what you and your kids are actually agreeing to before signing up for an online service, and teach them to read the fine print every time.
• Make it meaningful: High school-aged students will be more likely to practice online safety and etiquette if they understand the potential real-life consequences of not doing so. Young adults should know that their ability to get a job or gain admission to a top-tier college could be compromised by what they choose to post online.
• Use your options: Teen girls especially should know how to disable location information from their smart phones or tablets, and be wary of downloading apps that require it. Similarly, parents should know how to use parental controls on their kids' devices, and take advantage of them. Child-friendly search engines are a great way to keep children safe in cyberspace; and many operating systems feature blocking options for things like free apps and online purchases.
• Play by the rules: Take special precautions with young people who are using technology to play games with strangers online. Make sure the games are age-appropriate, and discourage them from using voice masking technology or webcams while gaming. Ensure all young people know how to identify a predator or recognize a risky situation, and let them know they can come to you if they need help.

Call or contact Strachan Novak Insurance Services today to answer any of your insurance questions.

Back-to-school season can be both exciting and stressful; families in Ohio are typically busy shopping for backpacks and school supplies while trying to squeeze in a few more pool days before the leaves fall.

It's important to also spend some time teaching kids how to stay safe as the school year starts.

Equipping your child with some simple skills and knowledge might make the difference for their physical or emotional wellbeing this school year. Here are some tips to make sure your kids stay safe, so they can focus on fun and learning at school:

Practice travel routes: If your children are planning to walk to school, test the route with them more than once before school starts. Familiarizing your children with their route can help them to feel more secure as well as prepare them for potential hazards, such as dangerous intersections or poorly maintained sidewalks.

Learn the rules of the road: Make sure kids know the rules of the road for pedestrians, especially if their school is in a busy area. Remind them that drivers can get distracted, so it's up to them to pay attention and stay visible when crossing the road. Teach your kids to always cross in front of cars and buses (not behind), and to avoid texting while walking.

Become a better biker: Show your kids how to use hand signals to communicate with drivers, use designated bike lanes, and make it clear that wearing a helmet is non-negotiable. If you're a parent, do your part and make sure your child's bicycle is properly fitted and maintained.

Learn emergency procedures: Both younger and older children should know the fastest way to exit their school, what steps to take in case of a medical emergency, and basic fire and earthquake procedures. Talk these scenarios over with your kids and consider practicing them, too.

Educate your educators: Does your child's teacher know about his potentially serious allergy or medical condition? Most importantly, do they know what to do if it comes up? Don't rely on school paperwork to relay this potentially life-saving information; talk to your child's teacher so that he or she understands how to recognize and respond to your child's unique medical needs. With older kids, be sure they know how to take care of and advocate for themselves, and that they are talking with their teachers if necessary.

Teach kids how to deal with bullies: According to the National Center for Education Statistics, almost 30 percent of young people report being bullied at school. The research shows that kids who are bullied are more likely to experience depression and anxiety, as well as have poorer academic performance. Talk to kids about how to recognize different types of bullying, and what to do if they or their friends are bullied at school or online.

For any back-to-school insurance questions, call or contact Strachan Novak Insurance Services today.

Whatever sort of travel trailer you're towing around this summer, here are some tips to help ensure safe, trouble-free exploration:

1. Evenly distribute weight. Make sure that weight in your trailer is spread evenly, rather than concentrated in certain areas. This will help prevent swaying and afford you more control over the trailer when it is in motion, so load thoughtfully.
2. Hitch it up right. Make sure you have the right hitch for your trailer; its weight rating should be greater than the gross trailer weight. Back your vehicle up to the trailer so the hitch on your auto is aligned with the trailer's coupler. Put your vehicle in park and lift up the parking break before lowering the coupler onto the hitch. Then plug in all wires and attach safety chains in a criss-cross pattern.
3. Brake early. The added weight of the travel trailer creates increased momentum when you try to break. To compensate, brake early, and keep a lot of extra space between your vehicle and the one in front of you. Brake gently and slowly to avoid jackknifing.
4. Master the art of backing up. Backing up is tricky for novice towers. The trailer always seems to go in the direction opposite to what you intend! Here's an easy rule of thumb: place your hand at the bottom of the steering wheel; the direction you move it in is the direction the trailer will go.
5. Make wide turns. Yep, this rule isn't just for the drivers of big rigs. Travel trailer towers should also make wide turns a habit, because the wheels of the trailer will always turn much sharper than those of your vehicle. Give yourself plenty of extra room.
6. Have a parking assistant. Unless you're traveling alone, it's smart to have one of your passengers get out and help you squeeze into parking spaces, preferably using a pre-determined set of vocal commands and hand signals. Once your trailer is parked, put blocks under its tires to prevent rolling.
7. Stay cool if it sways. If your trailer sways, do not increase speed or try to steer out of the sway. Instead, slow your vehicle down gradually, keep the steering wheel steady, and apply the trailer breaks.
8. Rethink a persistent swayer. If your trailer continues to sway in spite of your best efforts, it might be best to reconsider your weight distribution, take everything out, and reload. There are also weight distribution systems for trailers that include sway control.
9. Check tires. Keep a close eye on your tires' fullness and tread. Tires with too much or too little air can cause swaying.
10. Keep your lights aglow. Your trailer's lights are safety tools that help other drivers anticipate your next move. Keeping them in fine working order is an act of consideration to others on the road as well as added protection for your vehicles and passengers.

For more information about auto insurance and safety, call or contact Strachan Novak Insurance Services today.

This past May, three children fell from a bouncy castle after it was carried away by the wind and flew high into the sky. Two were seriously injured: one fell 15 feet onto asphalt, another onto a parked car. Even though a parent had staked the castle to the ground, the wind lifted it up. A similar incident was reported in 2011 when three bounce houses were carried away by the wind in Long Island, New York; a rope attached to one of the wrapped around one child's neck, threatening to choke her, and several other children and adults were injured. Prior, equally frightening incidents involving runaway bouncy castles and resultant serious injuries were reported in Arizona.

For some, instances such as these are enough to inspire a personal ban on bouncy castles and a refusal to set one up in spite of a birthday boy's or girl's most ardent requests. Others, however, might be willing to accept the risks that may be associated with a bounce house in exchange for the fun it is likely to provide. Those who do plan to incorporate a bounce house into their next celebration should heed the following tips:

Bouncy Castle Safety:

• Make sure the unit is staked at every one of its corners. To insert stakes properly, position each one at a 45-degree angle and push it at least halfway into the ground, away from the inflatable house.
• Avoid setting up bounce houses on windy days, as they can be surprisingly vulnerable to gusts. If winds exceed 20 mph, do not set up the bounce house.
• Do not set up a bouncy castle if there is a threat of rain or lightning.
• Ensure that the bouncy castle is supervised by an adult at all times.
• Prohibit the following in the bounce house: jewelry, shoes, glasses, pocket items, food, drink, gum, and any horseplay such as flipping.

Finally, if you intend to set up a bouncy castle at your own home, make sure you have a comprehensive homeowner's insurance policy in place, one that will cover any damage to your property that may be caused by the bouncy castle, as well as any injuries others might suffer while using it.

For more information about homeowner's insurance, Call or contact Strachan Novak Insurance Services.

Yes, the Internet has been a game changer in more ways than one when it comes to running a business of any type. Not only must a business owner create and maintain a strong, engaging social media presence, they must also monitor and manage her businesses reputation in the realm of online reviews. They say technology makes things so much easier, but many a business owner is hankering for simpler times!

Why Every Online Review Counts: The Stats

Business owners are wise not to discount the power of the Internet. Consumers do look to online reviews when they're determining where to do business and which items to purchase. Research has indicated that 89 percent of consumers regarded online product and service reviews as trustworthy, and another 80 percent have changed their minds about making a purchase due to reading negative reviews. Eighty-five percent of those surveyed said they'd be more likely to purchase if they could find more positive reviews of a product or business online. Restaurateurs beware: a mere one-star difference in a restaurant review can impact revenues by as much as nine percent.

How to Manage Reviews

Even the most on track businesses receive occasional negative reviews; if only from grouchy, impossible-to-please patrons or vengeful exes. Fortunately, there are proactive steps all business owners can take to offset any negative reviews, as well as highlight the positive ones - all in an ethical way.

• Have your own website. Ensuring your business has its own website will help clarify its identity, services, and strengths. It will be a place potential consumers can go and obtain an impression of your business in addition to whatever impression they'll get from reviews. What would your business say if it could accurately represent itself? Hire a talented copywriter and graphic designer, and put it on your site!
• Ask your customers to review you online. You should feel confident about doing so if you know you're offering the best possible service and products, and especially if you've been in business for a few years (a sign you're doing something right!). Suggest they post reviews on sites where you'd like to see them. For example, if there's a negative review just festering on Yelp, as customers to post their positive reviews there to offset it.
• Ask for permission to re-publish positive reviews on your website, and do so. But never, ever pay for positive reviews. This is unethical, bad business, and, if it comes out, embarrassing.
• If you have the ability to respond to reviews on any of the sites on which they're published, do so, and identify yourself honestly. (That means don't adopt an alternate identity and call the negative reviewer a fool or worse!) If responding to a negative review, acknowledge the customer's view without apologizing, and offer to make things right. This will only reflect positively on you in other potential customers' eyes. In response to a positive review, it's always good to express humble gratitude!
• Remember, if you have an abundance of negative reviews, it's probably for a reason. Be humble, and consider how you can improve. Even negative reviews can work in your favor, alerting you to problems you may not be aware of, and enabling you to save your business. 

For their abilities to help a business run smoothly and thrive, today's Internet-related technologies leave business owners wondering if the companies they have worked so hard to build are truly safe in cyberspace. Here, we take a look at weak spots, and how you can protect your business and your clients in Ohio.

Potential Cyber Security Weak Spots:

• Email - Non-secure email is sent through the web without encryption, making it as potentially visible as, say, a postcard sent via the U.S. Postal Service. Verify that your email is secure by making sure the "https//:" phrase is always visible in the URL bar; it should precede the address of your email provider.
• Websites - Non-secure websites are also places in cyberspace in which businesses can be vulnerable. Apply the same rule to websites that you do for email: look for the "https//:" in the URL. If it isn't there, don't have anything to do with that site, as any information you share on it may not be secure.
• Browsers - Make sure your Internet browser (for example, Firefox, Safari, Chrome, and Internet Explorer) is up to date. Most browsers will let you know when they're due for an update, but you can always check by clicking on your computer's software update option to see what needs to be brought up to speed. An up-to-date browser has all the latest additions that maximize your security and protection online. An out-of-date browser makes you more vulnerable to cutting-edge viruses, hackers, and the like.
• Virus Protection - Speaking of viruses, let's not forget adware, malware, spyware, and all the other futuristic-sounding threats to security that are very much a present-day reality. Install a protection program on your computer if you haven't already, and try not to open suspicious-seeming emails that land in your junk folder because your email has deemed them "unsafe."
• Passwords - Be wary of sharing passwords. Chances are, not everyone in your employ needs to know every password. Change passwords routinely once a month is not excessive and always after an employee with knowledge of a password has left your company. Create complex passwords with capital and lower case letters as well as numbers.
• Third parties - Think carefully and do serious research before allowing any third party a tech company, a consultant access to your customers' information. Even the most seemingly helpful, educated, expert third parties can also be identity thieves, or be interested in selling your customers' info to identity thieves. Check references and proceed with caution before letting other pairs of eyes fall on your company's precious data.
• Wi-Fi networks - Make sure your company's Wi-Fi network is private, not open for others who wish to have Internet access free of charge. Lock it and change the password required to access it frequently.

Call or contact Strachan Novak Insurance Services today with any questions about your insurance needs.

Did you know this April 26^th through May 3^rd is National Immunization Week? It's a great time to boost awareness about immunizations and, of course, ensure that you and your loved ones are up to date on vaccinations.

In recent years, immunization has come under scrutiny, as many a protective parent has feared there's a link between vaccinations and human health issues such as autism. There's been so much back and forth about the topic that it seems hard to know just which course to take. What are a conscious parent and/or citizen to do?

According to the Centers for Disease Control, these are the myths and truths surrounding immunizations:

Immunization Myth #1:

Vaccines contain dangerous amounts of mercury, aluminum, and formaldehyde

It is true that trace amounts of aluminum, mercury, and formaldehyde exist in vaccines; what's also true, however, is that these are all substances to which a baby is naturally, and frequently, exposed. Breast milk contains more aluminum and mercury than any vaccine. A baby's body produces 10 times more formaldehyde through natural metabolic processes than is found in any vaccine. And ethyl mercury, the type of mercury found in vaccines, is less likely to cause harm to the body than methyl mercury, the mercury found in nature.

Immunization Myth #2:

No one needs vaccines because the diseases for which we vaccinate have all been wiped out!

Truth: More than one developed country has decreased its immunization usage in response to the apparent disappearance of numerous diseases, only to see those vaccine-preventable diseases come back with a vengeance. This proves that continuous vaccination against vaccine-preventable diseases is a necessity, even in developed countries with excellent sanitation, hygiene, and nutrition.

Immunization Myth #3:

The Thimerosal preservative and mercury in vaccines cause autism

Truth: There's an infamous 1998 study at the root of the Thimerosal-mercury-autism myth. It was conducted by Andrew Wakenfield, and subsequently found to be so flawed and unethical that Wakenfield was actually prevented from practicing medicine in Britain. Since then, multiple studies have shown no link between the Thimerosal preservative, which contains mercury, and autism. Nevertheless, just to assuage parent's fears (and not for any scientific reasons), Thimerosal has been pulled from most vaccines.

Immunization Myth #4:

Too many vaccinations at once can damage a child's developing immune system

Truth: Kids make contact with numerous foreign antigens every day in the form of food, water, air, and dirt. Many of these antigens are the same ones found in vaccines. Just as a typical day of play doesn't damage a child's immune system, so have multiple studies shown that simultaneous immunizations are safe. The Advisory Committee on Immunization Practices (ACIP) and the American Academy of Pediatrics (AAP) both recommend the simultaneous administration of immunizations when appropriate because the data has shown again and again that this practice not present danger to the immune system or increase the risk of side effects. However, if a parent decides to split up the immunizations to occur over more frequent visits, that is an option.

Immunization Myth #5:

Vaccines cause many harmful side effects

Truth: Most vaccine side effects amount to a sore arm or, at worst, a mild fever. Some possible side effects are serious, but those ones are also extremely rare. The risks associated with choosing not to vaccinate are more serious than those associated with vaccinating.

Take some time to explore the facts. Visit the Centers for Disease Control and Prevention website at cdc.gov.

Call or contact Strachan Novak Insurance Services today with any questions about your health insurance policy.

The largest contributor of indoor air pollution is smoke from cook stoves. Households in less developed countries, along with poorer households within the U.S., rely on biomass fuels such as wood, coal, and agricultural waste to heat their homes and cook their foods. Respiratory problems, cancer, asthma, and other health issues, as well as infant mortality, are consequences. Socioeconomic development is seen as one way to minimize indoor air pollution around the world. By decreasing poverty, we can increase people's ability to upgrade to household heating and cooking methods that don't cause health problems, such as oil and electricity, or solar and wind power.

Indoor air pollution isn't just a problem affecting the poor, however. Even the most expensive, fancy, impressively outfitted homes and offices are full of pollutants. Take this quiz to test your indoor air pollution savvy, and take steps to clean up the air in your indoor environments.

Test your air home pollution knowledge:

1. True or False: It is only necessary to test for radon in a home built in 1980 or earlier.
2. A typical plug-in air freshener will:
   1. Release as many as 20 different volatile organic compounds (V.O.C.s)
   2. Actually remove toxins from the indoor environment
   3. Improve the cleanliness of indoor air by releasing fresh odors
3. True or False: Chemical-based cleaning products such as Lysol, Windex, and Clorox, will improve indoor air quality.
4. There's a good chance that lead paint still exists on your walls if your home was built:
   1. After 1990
   2. Before 1978
   3. Between 1980 and the present
5. True or False: The single most important aspect of indoor air pollution is secondhand cigarette smoke.

Answers:

1. False) Even modern homes can have radon problems. Radon is the second-leading cause of lung cancer in the U.S.
2. A) A typical plug-in air freshener will release as many as 20 VOCs many of which are known to be toxic or hazardous into the air. As an alternative, use 100% natural essential oil sprays to freshen the air in your home. A simple recipe is 3 drops of lavender essential oil added to a cup of water in a spray bottle.
3. False) While they may seem to make surfaces clean, such products actually decrease indoor air quality. Switch to all-natural, inexpensive cleaning products such as vinegar, baking soda, and citrus essential oils, all of which can do just as good a job as their chemical-laden counterparts. Find recipes online.
4. B) There's a good chance that lead paint lingers in homes built before 1978.
5. True) Secondhand smoke does more to pollute indoor air than anything else.

Questions about your Ohio home or renters insurance? Call or contact Strachan Novak Insurance Services today.

Well, nobody can be young, careless, and irresponsible forever. Towing around tiny babies, temperamental toddlers, noisy children, and hormonal teens should make every driver re-think his or her habits. After all, no matter how they might complicate matters, these are the passengers we love and treasure most. Motor vehicle accidents are the number one cause of death for children aged two to 14. If you drive with kids, here are some ways to ensure your precious cargo stays safe:

• Make all children 12 and under ride in the back seat. The American Academy of Pediatrics says that children are not big enough for the front seat until they have entered their teens.
• Stay focused and never take your eyes off the road. Kids can be the most distracting of passengers. Avoid the temptation to look at or otherwise engage with your child when you should be paying attention to your driving. While you may feel like you aren't paying her enough attention, you're actually doing her a favor by making sure she stays safe.
• Consider making long car trips with children at night. This way, they are more likely to sleep and will not be distracting to you while you drive.
• Pack snacks and activities for children to enjoy during car trips. Again, this minimizes the likelihood of distractions, not to mention fights between siblings and the dreaded query, "Are we there yet?"
• Let little passengers get out and stretch. This is particularly applicable to those who must still ride in car seats. Since little kids' muscles are still developing, it isn't healthy for them to be confined in car seats for too long. Stop for stretch breaks every couple of hours.
• Remove passenger airbags unless the teen riding in the passenger seat is big enough for one. Airbags were designed to protect adults weighing at least 160 pounds. They can actually do more harm than good if they open up against a small, slender teen.
• Keep big and/or heavy objects in the trunk, not in the backseat. In the event of an accident, such objects can move or fly around and cause even greater injury. It's best to keep them stowed away where they can't hurt any passengers.
• Obviously, make sure every child wears a seatbelt at all times!

Questions about driving safety or auto insurance? Call or contact Strachan Novak Insurance Services today.

But why not also resolve to enhance the health of your business? Doing so may increase profits and enlarge your income, and more money makes all the other resolutions in your life that much more attainable.

Here are some ideas for resolutions that will give your business in Ohio a kick start in 2014:

• Embrace Social Media. Sure, maybe you've got your website set up and have established an online presence. But if you haven't yet created Facebook, Twitter, Tumblr, Vine, and/or Pinterest accounts connected to your business, this is the time to do so. Social media isn't going anywhere, and it's a necessary component of every business. It helps you to establish a unique identity among your competitors and, most importantly, reach a broad spectrum of people, all of which are potential customers. Get creative! Images speak volumes, and require a lot less time and thought than composing text, so use lots of pictures in your social media posts.
• Update Software Frequently. Are you in the habit of groaning and clicking "Not Now" when your computer prompts you to update its software? Always feel like you have more important things to do? This is the year in which you should change your ways. Keep the software updated on all your business computers, not only to keep them in optimal working condition, but to also protect them from malware that could result in data theft and seriously harm your business.
• Give Back. Find a charitable organization in your area that you'd be proud to help out. Create an alliance between that organization and your business in which you pledge to donate products, money, or volunteer hours. Doing so will reflect favorably on your business in the community, and also just make you feel good. It's amazing how many good things you can attract when you decide to give a little more.
• Delegate. Don't be afraid to trust your best employees with tasks that you're accustomed to handling yourself. Try releasing some control, just a little bit at a time, and see what happens. The benefits of doing so are many. Different individuals bring different strengths to a project, so someone else may tackle a task in a new way that revitalizes your business. And you'll have more free time to either take on new projects or accomplish your other resolutions this year!
• Keep Learning. If you delegate, you'll have some time to take classes, read books, or attend seminars geared toward the betterment of your business. Resolve to participate in at least three educational activities this year that will give you more tools to help your business thrive.
• Vary Your Passwords. Again, this is a tech-related way to better protect your business. If you use the same password for every account, your business is much more vulnerable to hackers and data theft than if you create a mix of passwords. For tips on devising hard-to-crack passwords, use an online password-creating tool.
• Go Green. Now more than ever, consumers are drawn to products and companies that are kind to Mother Earth. Find ways to make your business more green-recycle all your paper and used technological equipment, change to energy-efficient lights, banish plastic from the premises-and use your social media page to let your customers know!

For all of your insurance related questions, call or contact Strachan Novak Insurance Services today.

Decorative Lights, Candles, or Dried-Up Conifers = Recipe for a House Fire

Forbes.com has reported that over 400 Americans die in holiday-related house fires every year. To avoid becoming a statistic, do the following:

• Carefully examine your decorative lights for any loose connections or frayed wires. If anything looks amiss, invest in a new set.
• Never use an indoor extension cord outside; indoor cords aren't waterproof, and in wet climates this could spell disaster.
• Unplug decorative lights when you're away.
• Never let candles burn unattended. If you aren't going to be in the room where they are burning, blow them out. Keep them on stable, flat surfaces at a safe distance from anything flammable (i.e. wrapping paper).
• Set up your Christmas tree in a location that is distant from your fireplace or wood stove, as well as any candles. Don't allow a dried-up tree to remain in the house.

Poisonous Plants and Perilous Climbs:

Some of the things we do in the name of décor-bringing all kinds of flora indoors, and climbing tall ladders in order to deck the halls-are quite dangerous. According The Consumer Product Safety Commission, there are 1,200 holiday decorating-related accidents every year. In addition to taking extra care when you ascend that latter or wield that staple gun, you should also know this:

• Christmas cacti, holly berries, and mistletoe (everyone's favorite holiday plants) are all poisonous if swallowed. Keep them out of reach of children and pets.
• While not as potently poisonous as the other plants, poinsettias can make both pets and people sick, so keep them out of reach, too.

Opportunistic Thieves:

Burglars like to take advantage of the holidays. Not only do many homeowners leave town for extended periods, they also often leave their houses full of newly purchased treasures. To dissuade burglars from entering your home in your absence, take these steps:

• Set a handful of indoor lights to a timer, so that they will turn on and off at regular intervals, giving the impression that someone may be home.
• Ask a neighbor to remove your daily morning paper from the front stoop every day, as well as remove your mail from the box. Doing so will also create the impression that someone is home.
• Consider a holiday house trade. Stay in one family's home in the holiday getaway destination of your choice, and have them stay in yours. Both families benefit from a change of scenery, and know their homes are in good hands. Check the web for a multitude of sites that enable users to house swap safely.

Questions about your insurance in Ohio? Call or contact Strachan Novak Insurance Services today.

Asbestos is a hidden health hazard that can lurk right in the place where you should feel the safest: home. While those who work in the construction industry are considered the most vulnerable to asbestos exposure, especially repeated exposure, it's important to keep in mind that even very limited exposure-such as what you might experience during a simple renovation project-can have long-term negative effects. Make it a priority to prevent you and your family members from coming into contact with this dangerous material.

What is asbestos?

Asbestos is the term used to describe a group of natural minerals-including chrysotile, amosite, crocidolite, tremolite, anthophyllite, and actinolite. Together, these minerals can resist heat and corrosion, which is why they have historically been used in the construction of homes and other structures.

Where does asbestos lurk?

Asbestos has been used in innumerable products, even vehicle brakes and clutches. It was used most heavily between 1930 and 1970, but in the U.S. and Canada, the two nations that have not yet banned it, asbestos is still in use today in spite of the fact that it is a known human carcinogen. At home, it may be present in the following places:

• A sprayed coating on support beams
• Attic insulation
• Insulation in ceiling, window, and door panels
• Roof shingles and tar
• Drywall and drywall glue
• Insulation on pipes
• In vinyl or thermoplastic tile flooring
• In textured coatings used for decorative purposes, like popcorn ceilings

Asbestos can be present in the ceiling that shelters you, the walls that support it, and the floor under your feet.

Why is asbestos so dangerous?

It's surprising that something "natural" can pose such a threat, but asbestos can cause a number of serious diseases, some of which may develop slowly over time. But once they manifest, there's often little that can be done to remedy them. Asbestos is, in a word, deadly. Some of the health-related consequences of asbestos exposure include:

• Lung cancer, which looks very much like lung cancer caused by smoking
• Pleural thickening, in which the lining of the lung swells to an uncomfortable degree
• Mesothelioma, a cancer of the lining of the lungs and the lining of the lower digestive tract; once diagnosed, it is usually fatal
• Asbestosis, a painful and sometimes fatal scarring of the lungs

How can you avoid exposure to asbestos?

Even though asbestos may be present in various parts of your house, you aren't likely to develop mesothelioma just by living there. You are most likely to be exposed to asbestos during DIY home renovation projects or repairs. And if you have professionals come in to do renovations and repairs, it is extremely important that they understand asbestos and do not release any fibers of damaged or crumbling asbestos into the air, where they can circulate and be inhaled by everyone around. When renovating or repairing home areas where asbestos is present (or may be present-you don't always know, especially if you live in an older home), take the following precautions:

• Wear a suitable mask-not just a flimsy dust mask, but one designed to keep asbestos at bay
• Use hand tools, not power tools
• Clean up with a vacuum cleaner, not a broom, as you work
• Put any asbestos waste in labeled, heavy-duty bags

Do additional research before beginning any home project during which you might encounter asbestos, and keep yourself and your loved ones safe.

For any information or questions about home insurance, call or contact Strachan Novak Insurance Services today.

Homeownership is one of the great American dreams, an achievement virtually all of us aspire to. There's something about having a little part of planet Earth to call your own that inspires a sense of both security and pride. Getting the keys to your very first home is almost always cause for celebration: you open the door, cross the threshold, and enter your very own castle - whether it be an apartment, a condo, or a single-family home - and prepare to reign happily over a kingdom characterized by peace, coziness, and serenity, a haven and sanctuary from the travails of the world outside.

But what happens if you're one of those unfortunate homeowners who makes the bone-chilling discovery that you, your family, and your pets are not the only ones inhabiting your home sweet home? Perhaps a series of unexplainable occurrences, sounds, or sensations has led you to conclude that the house you worked so hard to obtain is actually (gulp) haunted.

As horrified homeowners have known for centuries, ghosts make their presence known in a variety of ways, including the following:

• Pets seem to see the unseen! Fido and Fifi bark, cower, whimper, or moan for reasons you can't see or sense. There's no intruder in the house, no storm on the horizon, and nothing physically wrong with the pets, but they behave as if there's a presence in the house - a decidedly unwelcome one.
• There are spontaneous light shows. Lights flicker on and off, seemingly of their own accord. No one in the house - at least no one among the living - is playing with the lights, but some entity seems to be having a good time giving you the creeps.
• Hot and cold spots abound. You move from one room to another and pass through an icy-cold or blazing-hot spot or which there is no logical explanation. Only a spirit could alter the temperature in your home in such a strange and noticeable way.
• You hear noises with no discernible origin. Footsteps, creaks, scratching sounds, and knocks occur, but neither you nor any of your housemates are responsible. You can be sure that ghosts are finding weird ways to alert you to their paranormal presence.
• Shadows appear, but you can't see what's casting them. Also known as "shadow people," these dark, mobile images on walls and floors - often shaped remarkably like humans - are cast by spirits who feel frighteningly at home in your home.

Living in a haunted house can be stressful for a variety of reasons. There's the psychological stress that comes with being perpetually spooked, as well as the financial stress that can result when particularly aggressive ghosts wreak havoc around the house: they break things, and send the energy bill sky high with their constant tinkering with the lights! Moreover, it's certainly unsettling to feel as though you are never alone, and always being watched, especially in the one place you hope for a little privacy.

What's the owner of a haunted house to do? Here are a few options:

• Resign yourself to cohabitating with creeps, and turn your home into a tourist attraction, a la the Winchester Mystery House in San Jose, CA, Franklin Castle in Cleveland, OH, McPike Mansion in Alton, IL, or the terrifying Lizzie Borden House in Fall River, MA.
• Call in the experts. Go online to find a paranormal research professional in your area, and have him or her come over to suss out the situation, and provide solutions.
• Cleanse the house. Burn a bundle of sage and allow the smoke to waft into every room and every nook and cranny of your home. Sage has long been used to purify environments and sends the message to evil spirits that they should skedaddle!
• Talk to the ghosts directly. Some spirits may simply be afraid to make the transition over to the other side. Encourage them to go. Tell them that it's even better over there than it is in your house - hard for any proud homeowner to admit, but quite possibly true!

For any other spooky questions about insurance, call or contact Strachan Novak Insurance Services today.

What would we do without our handy power strips? Those convenient blocks of electrical sockets, which enable us to convert one outlet into several, make it possible to plug in all the gear that we can't live without these days. A typical location for a power strip is the home office, where it helps computers, speakers, printer, monitors, and all sorts of other necessities come to life. But many households have power strips in multiple rooms, if not every room, since there are so many items that require plugging in these days. Hairstyling tools, cooking equipment, and phone chargers come to mind!

If a power strip has 10 outlets, it's safe to assume you can go ahead and use them all, right? Not necessarily. In fact, power strips are culprits in many devastating house fires. Use the following power strip safety tips to protect your home and property:

• Learn the circuit capacity of the main outlet you are using, as well as the power requirements of the items you plan to plug into your power strip. If the requirements of the items exceed the circuit capacity, you are overloading the circuit and creating a fire hazard.
• Understand that a surge protector, which is a facet of some but not all power strips, may protect your electrical equipment (such as your computer) from damage in the event of a surge of electricity; it does not function to prevent fires.
• Using many power strips in your home is a sign that you have too few outlets. For fire prevention, arrange to have more outlets installed at your house and lessen your reliance on power strips.
• Never "piggy back" or create a "daisy chain" with power strips. This means plugging one power strip into another power strip to markedly increase the number of outlets. Power strips are not designed to be used this way, and doing so can result in a fire.
• Do not use standard power strips in moist environments, such as a bathroom, a kitchen countertop, or a garage that is not climate controlled. Water and power strips don't mix, and if they do, a fire may result. If you must use a fire strip in an area that is prone to moisture, buy one that is specially designed to be safe in such conditions. If you require a power strip in your garage, have a professional electrician hard wire a moisture-resistant one and mount it to a wall.
• Outside, there are many hazards, including moist weather, falling debris, and even insects, all of which can compromise the safety of a power strip. There are power strips designed for outdoor use; only these are appropriate for use outside of the house. As is the case with garage power strips, it's smart to have an outdoor power strip mounted to a wall rather than left on the ground.
• Know what you are buying. When you shop for power strips, look for the following: make sure they are UL (Underwriters Laboratory) or ETL (Electrical Testing Laboratories) certified; make sure you choose a power strip that is rated for the appropriate amount of amperage according to your needs. Choosing one that is rated for more amperage than you require is okay-this can help you avoid an overload.

Needless to say, if you notice anything out of the ordinary with your power strip, such as a failure to work, don't wait and see what happens, replace it promptly. Some electronics recycling services take unwanted power strips, as well as a variety of other materials, like USB cords and more, for green disposal.

For any questions about home insurance, Call or contact Strachan Novak today.

For most of the children in the Ohio, the end of August means those lazy dog days of summer are coming to a close, and those books and desks are what will be opening up next. For parents, the back-to-school season is a great time of year to look over insurance policies, and make sure they are up to date. Here are some insurance situations to consider as the kiddos hit the books.

Auto Insurance:

Do you have a new driver in the house, or one that will be in driver's education this school year? If so, it's time to talk to Strachan Novak about setting them up on your auto insurance policy. Although new drivers can be a costly addition, there are some ways to save money, including the completion of safety courses and good grade discounts that you may want to discuss. That's right, what a great incentive for your child to boost grades, right? Typically, the child needs a B average or more to be eligible, and we will line you out on the specifics as they pertain to your car insurance policy.

Home Insurance:

Because we seem to acquire new things year round, it's always good, anytime of year, to make sure your home and belongings are adequately covered in your home insurance policy in case of a fire or robbery. And if you have a child going off to school, they are most likely toting some of their own valuables (or yours!) with them, such as a stereo, sports equipment, and jewelry. It's a good idea to talk to your insurance provider about ways to add this onto your home insurance policy, in case of dorm room theft.

Back to school, whether it's a first timer entering kindergarten or a child packing up for college, is an exciting time for families. It's also a great time to cover all of your bases insurance-wise.

Call or contact Strachan Novak today to discuss back-to-school insurance needs.

Contractors are people, too. What does that mean? Well, even though they may have licenses and many years of experience in their profession, they are fallible. There are good ones and bad ones. Some are ethical and honest, while others seem to be missing a conscience. Just as you would be careful about choosing a nanny, a personal accountant, or a used car salesman, so should you use caution in selecting a contractor before you begin that home building project, renovation, or repair. Here are some good tips to avoid getting taken for a ride:

• Do your research. The Internet is a great place to find consumer reviews of anything and everything, including contractors. Pay attention to what others have said about their experiences with contractors in your area. Usually, if someone takes the time to post a review online, it's for either a very good or a very bad reason.
• Before meeting with a contractor, check with the Better Business Bureau to see what his or her track record is like, and if any complaints have been filed.
• Ask for references. Bear in mind that most contractors already have what they know will be three stellar references in their back pocket. Ask for four or five.
• Keep in mind that flashy advertising does not a good contractor make. On the contrary, many of the best contractors thrive due to great word of mouth, and don't even need or bother to advertise. Don't be fooled by slick marketing.
• Stay away from contractors who don't have a local address, is not affiliated with any recognizable trade association, and/or has unverifiable license or insurance information. Make sure your contractor has insurance to cover his or her employees in the event that any of them are injured while on the job at your house.
• Draw up a contract with clear start and finish dates. Have an attorney look over the contract to make sure it's solid.
• Once work begins, you should know exactly how many and what types of supplies, appliances, and fixtures will be purchased for the job.
• Pay as you go. It's not uncommon for consumers to pay contractors in stages as the job progresses. And it's smart to withhold part of the final scheduled payment if there are any loose ends that remain to be tied, or little repairs that need to be made.

If you are hiring a contractor in Ohio to help rebuild after any sort of natural disaster or accident, and your insurance company is footing some or all of the bill, don't hesitate to involve your insurance company or agent if you have any questions or concerns. He or she will be a good, trustworthy resource as you navigate the ins and outs of employing a contractor.

What is Umbrella Insurance?

Umbrella insurance is a term for insurance that sits "over the top" of your auto and homeowner's insurance policies. It supplements your existing policies and provides increased protection to your current assets as well as your future income. Unlike pure "excess insurance," which kicks into gear only after all the underlying insurance policies have been exhausted, umbrella insurance can also fill in any gaps in coverage between other insurance policies.

How Much is Umbrella Insurance Worth?

Most umbrella insurance policies are sold in increments of one million dollars. A one million dollar umbrella insurance policy, coupled with an already-existing auto insurance policy with a $300,000 liability limit, will afford $1,300,000 liability coverage in most auto liability situations.

What Type of Coverage Does Umbrella Insurance Offer?

Umbrella insurance is a liability coverage, which means that if any mishap has been deemed your fault or responsibility, the liability insurance will cover expenses that would otherwise have to come out of your pocket. Umbrella insurance can come in handy in all kinds of situations, including the following:

• You are found to be at fault in a car accident on a residential street that results in a fire causing $800,000 worth of damage to a home. Your auto insurance policy has a $100,000 liability limit. The umbrella insurance, which you have obtained in a one million dollar increment, would take care of the remaining $700,000.*
• You host a party at your own home and a guest falls down some crooked stairs. His medical bills amount to $700,000, and you are liable. Since your homeowner's insurance policy has a liability limit of just $500,000, your umbrella insurance opens up to take care of the extra $200,000. *
• You're at fault in a car wreck with a woman whose injuries prevent her from ever returning to work. A jury decides to compensate her with $3 million, all of which is supposed to come from you. Fortunately, you've purchased five million dollars worth of umbrella insurance, which means you get to hold on to your paychecks, your home, your car, and all your other assets.

How Much Does Umbrella Insurance Cost?

Think umbrella insurance is an exorbitant form of added security that only the wealthy can afford? Think again. It's actually quite affordable, costing as little as $150 annually for the first million dollars in coverage.

Call or contact Strachan Novak today about how an umbrella insurance policy might help to keep you high and dry when life brings an unexpected storm.

*All umbrella policies have limitations and exclusions. The examples here do not supersede insurance policy language. If you have umbrella insurance, you should check the policy language or check with your insurance agents for any applicable limitations or exclusions.

No one revels in the delights of summer like a kid. Ohio schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures. In fact, because there is so much potential for adventure-much of it unsupervised-many parents opt to enroll their kids in one or more summer camps in hopes that having a set schedule and a series of planned activities in which to participate will keep the youngsters out of trouble and, most importantly, out of harm's way. But summer seems to invite as many childhood accidents as it does moments of bliss, and no matter how structured a kid's summer is, a certain amount of mishaps are inevitable. The warm weather inspires a whole new slew of activities, many of which require an increased attention to safety on the part of both kids and parents. Use the following three tips to keep kids safer this summer:

Have Helmets on Hand - Kids spend a lot of time outside in the summer, and much of that time is spent on bicycles, rollerblades, skateboards, scooters, and other wheeled contraptions. And don't forget about trampolines and pogo sticks-they, too, are popular with the rambunctious younger set. Consequently, there's an increased risk for head injuries in the summertime, when kids are outdoors doing things that can potentially result in crashes and falls. Have helmets on hand for all the kids in your life to don each and every time they use one of the above-mentioned items. Make sure every child has a helmet that is properly fitted to his or her head. Mark helmets with colored tape or children's names so they can readily identify which one is theirs, and store helmets in an easily accessible place, such as a chest near the front door, so kids never have an excuse (i.e. "I couldn't find it!") not to wear them.

Be Vigilant About Sun Protection - Severe burns, dehydration, and heat stroke all land kids in the emergency room during the summer months. Make a generous application of sunscreen part of the morning routine in your house, ensuring that every kid is covered in high SPF sun protection. Opt for a chemical-free, physical sunscreen (one that uses physical blockers such as titanium dioxide, rather than potentially toxic chemical screens) that offers broad-spectrum (both UVA and UVB) protection. Make sure kids have hats, as well as lightweight garments with built-in sunblocking capabilities that can offer further protection. In addition, encourage kids to stay hydrated throughout the day by providing each one with her own personalized, easily portable water container (choose a non-toxic metal model rather than a plastic one).

Revamp and Refresh Your First Aid Kit - If you haven't peeked into your first aid kit since last summer, now is the time to do so. Replace any expired products, such as aspirin and antibiotic creams. Consider revamping the kit's contents by adding the following: bee sting remedies, homeopathic remedies to aid in calming injured kids who are stressed or scared (chamomilla is a good start), essential oils like lavender, eucalyptus, and citrus to repel mosquitoes and ticks without the kid-hazardous toxic chemicals in commercial products, and a small bottle of hand sanitizer for you or your child to use before applying any first aid. Make a few versions of the same kit: one to keep at home, one for your vehicle, and a smaller one for the backpack your kid takes on outdoor adventures-even just the ones he takes in the neighborhood.

Call or contact Strachan Novak today for any of your insurance-related questions.

Home sweet home is an obvious place to give a good scrubbing once springtime in Ohio arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.

Doing so can revitalize your business and put a new spring in the steps-no pun intended-of all your employees. Here are some tips:

• Declutter: Rid your business environment of all extraneous, unnecessary stuff: papers, broken supplies, ancient inventory that you can't seem to sell, etc. When doing so, remember to be earth conscious: recycle everything you can, dispose of all chemicals in the appropriate manner, and take used electronics to a facility that can repurpose or restore them, or make tax-deductible donations of still-useful items to your local Salvation Army or Goodwill.
• Liven Up the Landscaping: Consider planting some brightly colored flowers and lush plants around the exterior of your place of business. This may help to attract new customers, and is a natural mood-lifter. If you can't make these alterations to your business's outdoor environment, bring some potted plants and flowers inside. Let their fragrance and hues breathe new life into your business!
• Improve Functionality: Spring is a good time to upgrade and purchase tools, equipment, or technology for your business that is more functional and efficient. For example, consider replacing outdated cash registers or credit card machines with a multi-tasking computer system. Get rid of bulky file cabinets and scan all your documents into digital files that can be stored on a hard drive.
• Go Green: Spring is a time when we tend to appreciate the earth's beauty and bounty, so it makes sense to do what we can to preserve it. Consider making your place of business greener by installing a solar heating system, putting energy-efficient light bulbs in all fixtures, using recycled rainwater to hydrate your landscape, or designating special bins where employees can deposit their recyclable waste.
• Re-Evaluate Relationships: Relationships-between employees and between the business and its customers-are really what make a company thrive. This spring, re-evaluate the way your business approaches relationships. Do you have healthy relationships with your employees and do they get along well with each other? How do you maintain positive connections with your current clients? How to you attract new clients? Consider incorporating community-building activities into the workplace, such as potlucks, picnics, or sports events. Create a newsletter to stay in touch with your existing customer base, and try new forms of advertising to gain new customers.

For any of your insurance questions, Contact Strachan Novak today.

If you are a business owner in Ohio who pays for your employee's health coverage and sick leave, you have good reason to motivate these employees to stay healthy. Good employee health translates to good financial health for you and your business!

Promoting employee health can be tricky, though. After all, your employees are generally neither your family nor your friends, so it may not be appropriate for you to discourage Mabel in Accounting from eating those jelly doughnuts for breakfast, or to comment on Jack in Human Resources about his recent weight gain. How can you inspire your employees to take care of their health while remaining professional and providing alluring incentives? Here are some ideas:

• Make Money the Reward - Enlist the help of an incentive-based health engagement company-there are a few different ones out there-which will set up a program for your employees. In a typical set-up, employees receive points for engaging in different healthy behaviors, such as using the stairs instead of the elevator, and each point has a monetary value. Employees can earn a maximum amount of dollars per year through the accrual of their points.
• Create Company Sports Teams - If you employ enough people, you can create two or more teams and have a weekly game of basketball, soccer, softball, or any other sport after work hours. If you have a small number of employees, ask another local business to form a team to play against yours once a week. In addition to promoting fitness, this activity can create more camaraderie among coworkers-always a good thing!
• Make Small Changes to the Environment - Post a picture or sign near the door of the elevator that will inspire people to use the stairs. For example, a simple graphic showing a person walking up a stairway with the words "Stay Healthy" printed on it can be motivating without having the effect of a shaming lecture. If your business has a snack or drink machine, keep it filled with healthful options like whole grain crackers, fresh fruits, juices, and waters. Even better, have a well-equipped kitchen available for your employees so they can prepare their own healthful lunches and snacks each day rather than ordering less-healthful options from restaurants and fast food chains.
• Exercise to Benefit Your Community - Does your community ever have walks, races, triathlons, or other similar events to raise funds for non-profit organizations? If so, encourage your employees to participate. If not, consider creating an event-like a 5K walk to raise money for your local animal shelter. Doing so will have many benefits: it will be good for employee health; it will increase the visibility of your business; and it will benefit the organization for which the funds are being raised
• Host a Healthy Recipe Potluck Invite all your employees to participate in a company potluck. Make the theme of the potluck low-fat, low-calorie, healthful recipes. Use this as an opportunity for employees to share healthy eating tips and recipes. As an incentive for participating in the potluck, have the evening culminate in a "tastiest dish contest"; employees can sample each dish and vote on their favorite one, with the winner receiving a prize or cash reward.

For any questions about employee health coverage, Contact Strachan Novak today.

Happy 2013!

Resolving to make improvements to your health and habits in 2013 can do more than just improve your longevity, your quality of life, your appearance, and your attitude; it can also work to put more money in your pocket! How? Well, in addition to all the cash you'll save by foregoing that daily double mocha with whipped cream, you can also reap the benefits of having decreased insurance rates. That's because many insurance providers will give you a break if you make changes for the better. For example:

If you resolve to improve your credit, you may eventually see decreased home and auto insurance premiums. This is because, in some states, home and car insurance providers look at your credit report and score before determining just what your monthly premium will be. So, by keeping credit card balances under 30 percent of the credit limit, paying bills on time, or, better yet, paying them off, you can improve your credit rating and possibly get a lower rate on your insurance. To request a free copy of your credit report and check it for any factual errors (which are not unheard of), visit annualcreditreport.com.

Quit smoking and see your life insurance premium go down. Quitting smoking cannot only add years to your life; it can also drastically reduce the amount of money you spend on term and permanent life insurance, along with disability and long-term care insurance. Though the majority of life insurance companies require you to have been cigarette-free for at least a year before endowing you with "nonsmoker" status, some offer quit smoking incentive programs that enable you to save money sooner.

Shed excess pounds to save on life insurance. As is the case with being a smoker, being overweight can add digits not only to the numbers you see on your scale, but also to your life insurance premium. It's possible to save as much as fifteen percent on your life insurance costs if you get yourself into shape; this can be true whether you are applying for a new policy or are already insured. Some life insurance providers will reconsider your policy rates if you prove you participate in a health diet and exercise program. Talk to your insurance agent for details.

Decrease your home insurance costs by increasing your home's safety. Some homeowners' insurance providers offer safety and security discounts. Call or contact Strachan Novak to see if this is a possibility for you. This could be the easiest New Year's resolution of all: simply vow to install deadbolts on your doors and better locks on your windows. In some cases, this is enough to see a decrease in your premium. To take things a bit further, you can also install a home security system, or upgrade to a fire-safe roof.

Bike to work and save on auto insurance. Getting out of the car and onto a bicycle can do wonders for your heart health, your physique, and for the environment. Moreover, it can also decrease the cost of your auto insurance premium. You already know that the less you drive, the less you pay. This is even better now with the pay-as-you-drive plans that some auto insurance providers are offering. They install a special device on your vehicle that records how much you drive, as well as how good of a driver you are (Braking too hard? That's a no-no.) In order to determine the fairest possible premium.

So, if you make a change, you might save some change-and it may be more than mere pocket change. Happy New Year! Here's to sticking to those resolutions!

Contact Strachan Novak to discuss these and more ways you can save in the New Year.

The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.

Insurance?

That's right. Just thinking about it may seem like a great big party pooper, but having the right homeowners' insurance coverage will protect you from an assortment of not-so-far-fetched holiday party mishaps. In addition, there are simple steps you can take to make sure your holiday party is one that will go down in history-for all the right reasons.

Serve Alcohol Sensibly:

Alcohol is typically the go-to social lubricant at parties. We even serve special drinks (eggnog, anyone?) exclusively during the holidays. As a party host, however, you may be declared responsible for injuries or accidents suffered or caused by guests who drink alcohol at your house. Keep this in mind when you're tending bar, and keep a close eye on your guests. Stop serving guests who have imbibed too much alcohol, and prevent those who have had too much to drink from driving home. Never serve alcohol to any minors, and put an immediate stop to illegal drinking in your home. (Keep an eye out for the neighbors' teenage son sneaking sips of peppermint schnapps behind the Christmas tree.) Have a homeowners' insurance policy in place that will protect you in the event that someone gets hurt on your property due to overconsumption of alcohol. That way, when your Uncle Charlie pulls a groin muscle while enthusiastically showing off his dance moves after one too many whiskeys, you won't have to pay out of pocket for his medical expenses.

Create a Safe Environment:

Be a Good Neighbor:

Be considerate of the neighbors who aren't attending your party. Ask your guests not to block their driveways with their cars or, worse, park on their lawns; a disgruntled neighbor can always ask you to pay the towing company's bill or to cover the cost of any damage to his landscaping. Keep your music at a reasonable volume, and try to quiet down any screamers. If your community has a "quiet hour," make sure to observe it and avoid a visit from the cops.

Keeping all of this in mind will not only save you from added stress, but also ensure your holiday shindig is a true success.

Most of us in Ohio have insurance for our homes, cars or businesses. We know life insurance is part of any good financial plan and health insurance can protect us from catastrophic medical bills. But there are a few other programs that we come in contact with - we don't usually think of these programs as insurance, but they are.

Social Security

Social Security is a form of social insurance that began when Franklin D. Roosevelt was president. Its purpose was to improve poverty rates among senior citizens, which, during the Great Depression of the 1930s, exceeded 50 percent. Today, Social Security benefits people of all ages. In 2010, it functioned to lift over 20 million people out of poverty. Those people included: over 1 million children; over 5 million non-elderly adults; over 13 million adults over the age of 65. In that year, the poverty rate among senior citizens decreased from 44 percent to a mere 9 percent. If you haven't already benefitted from Social Security, chances are you will when you reach age 65.

Unemployment Compensation

Unemployment compensation insurance works to assist those who have lost their jobs and are actively seeking new employment. This form of social insurance makes a big difference in the lives of those who have been unexpectedly laid off, often due to the fact that many corporations are scaling down in order to cut costs. Unemployment insurance makes it possible for those who have lost their jobs to continue to eat, pay rent, and cover other living expenses while trying to get back into the workforce. You may be a stellar employee who does everything right, but if your employer can no longer afford to pay your salary and you are let go, it can be comforting to know you'll still have some money coming in until you land a new position elsewhere.

For more information, call or contact Strachan Novak today.

Even with Halloween looming on the horizon, the prospect of so many newly licensed Ohio teen drivers getting behind steering wheels is undoubtedly the most frightening thing about fall. The new school year is in full swing, and with the abundance of social and extracurricular activities taking place all over town, not to mention the need to get to and from campus, inexperienced teen drivers have every excuse to get on the road.

What can you do to ensure that your teen, and everyone else who happens to be on the road around her, stays safe? Teach, and preach, the following teen driving tips:

• When headed for school in the morning, watch-and stop-for school buses with flashing lights. There are likely to be children getting on or off the bus.
• Arrive at school five or ten minutes before the first bell rings to avoid the craziness that ensues when everyone is trying to race into the parking lot at the same time.
• When cruising around town, avoid making left-hand turns across intersections without turn signals. These are common sites for accidents, as inexperienced teen drivers have not yet mastered the art of gauging the amount and/or the speed of oncoming traffic.
• Remember that even though another driver has his or her right turn signal on, he or she may not turn right. Never make assumptions about what other drivers are going to do, even assumptions that seem logical. That driver may have left her turn signal on by mistake, and may keep driving straight ahead when you least expect it.
• Instead of competing with aggressive drivers, stay out of their way. Teens may be tempted to race or "get back at" drivers who cut them off or drive in an intimidating way. It's better for a teen driver to swallow his pride than get into a road rage-fueled battle.
• When driving in the country, be on the alert for deer and all kinds of other animals. Go slow, and in the evening or at night turn on the headlights. Hitting a deer can do serious damage to a car, and suddenly swerving to avoid wildlife can be deadly.
• Keep in mind that deer rarely walk alone. If one is standing near or on the road, chances are there are others nearby. Be aware.
• No matter where you're driving, always buckle up, and make sure everyone else in the car has done the same.
• Avoid filling the car with more passengers than there are seatbelts.
• Instead of driving like you own the road, always drive like you own the car (even if your parents do!).
• Don't distract yourself with loud music, cell phone use, texting, or intense conversations with passengers. Teens are less practiced at driving in the midst of distractions, and more likely to crash if their attention is pulled away from the road.
• Always keep your windshield clean. A windshield that looks sufficiently clean in the middle of the day can be virtually impossible to see through at sunrise or sunset.
• Needless do say, never drink or do drugs before driving.

For more information about teen driving safety and car insurance, contact Strachan Novak today.

The law of large numbers is a statistical concept that relates to probability. It is one of the factors insurance companies use to determine their rates.

The Law of Large Numbers Defined

There are several ways to explain the law of large numbers. Unfortunately, they are all rather convoluted and confusing. Basically, the law of large numbers means that the larger the number of units that are individually exposed to an event, the greater the likelihood that the actual results of that exposure will equal the expected results.

In Layman's Terms

Let's try to understand the law of large numbers from a different angle, using eggs as an example. Say that for every three-dozen eggs sold by a grocer, an average of one of those eggs is cracked. Therefore, we expect that every time we buy three-dozen eggs, it is likely (though not guaranteed) we will find one cracked one. The more eggs we buy, the more likely this is. If we buy 12-dozen eggs, the likelihood that one for every three-dozen will be cracked increases. If we buy 18-dozen eggs, the likelihood that one for every three-dozen will be cracked increases even more. The more eggs we deal with, the more likely we are to find that one out of every three-dozen is cracked!

How the Law of Large Numbers Relates to Insurance

Insurance companies use the law of large numbers to lessen their own risk of loss by pooling a large enough number of people together in an insured group. The size of the pool corresponds to the predictability of the losses, just like the more eggs we deal with, the more likely we are to know how many will be cracked.

For example, an auto insurance company may record and study the number of accidents caused by a very large population of 18-year-old males. They will be able to predict how many 18-year-old males will cause an accident in a given year. They will know that in a given year there is a high probability that X number of 18-year-old males will cause an accident. Knowing this, they partially can determine how much an 18-year-old male should pay for auto insurance (excluding other factors, such as the type of vehicle, region where the driver resides, etc.) This is how the law of large numbers helps insurance providers determine their rates, and why the rates vary from one type of individual to another.

For more information about your insurance policy and how your rates are determined, contact Strachan Novak today.

You may consider yourself well versed when it comes to the ins and outs of business insurance in Ohio, especially if you own a business in Ohio. But just how accurate and in-depth is your knowledge? In the spirit of fall, which is back to school time, take this quiz to test your awareness of business insurance myths and truths.

Business Insurance Questions:

1. True or False The "exclusions" section of your business insurance policy lists the types of claims that you will not have to pay for.
2. True or False Compared to health insurance, business insurance is generally rather affordable.
3. True or False Prices for business insurance have lately been at an all-time low.
4. True or False All businesses are required by law to have insurance.
5. True or False The premium is the amount of money you are required to pay immediately after a claim, before the insurance company will start paying.

Business Insurance Answers:

1. False - The exclusion section of your business insurance policy will outline all that is not covered by your insurance provider. Many business owners assume that once they are paying for insurance, every aspect of their business, and everything that could possibly go wrong is covered. This is a myth. Want to know a truth? Most people don't bother to carefully read their policies! Make sure to read yours, and be aware of just what isn't covered. Chances are, you can add coverage to your existing policy to protect those excluded aspects.
2. True - Business insurance is pretty affordable, so to use the "It's too expensive" excuse is to perpetuate a myth, and hold onto unnecessary risk factors.
3. True - As recently as 2011, prices for business insurance were at an all-time low. Things haven't changed much in the last year. Business insurance providers are finding themselves in the softest market ever in the history of their business. Too bad for them, but great for us!
4. False - Although not all businesses are required to have insurance, most smart business owners know that insurance allows them to spread their wings, take risks without undue anxiety, and help their businesses flourish. Without business insurance, a seemingly small calamity, such as a customer slipping on a flower shop's wet floor, can result in closed doors that never reopen.
5. False - The premium is the regular payment you make to your insurance provider to maintain coverage. The initial payment you make after a claim, before your coverage kicks in, is called the deductible.

For more information about insurance myths and truths, contact Strachan Novak today.

When one of your kids is going to college in Ohio or out-of-state, there's so much to think about: the cost of tuition, packing all the right things to take along, and registering for the proper classes, not to mention the powerful emotions that arise when one of your fledglings makes the bold leap out of the nest and flies away. One important matter that may be easily forgotten amidst all these other concerns is that of insurance. In particular, health and property are two aspects of every college student's life that may require new coverage.

Health Insurance

Virtually all institutions of higher education require their students to carry health insurance. If your soon-to-be college student does not already have health coverage, don't delay getting it; doing so can complicate his or her enrollment, making it impossible to register for courses and get started in school on time.

College students have numerous options when it comes to health coverage: they can stay on their parents' plan until the age of 26; they can obtain their own health insurance policy; they can enroll in the plan that is provided by their college or university; they can obtain health insurance through an employer; or, they may be able to obtain government-sponsored health insurance.

One important matter to consider is whether your student's health insurance policy will cover him or her during extra-curricular activities. Some school-sponsored health plans may not extend coverage to injuries incurred outside of the school environment, because they require students to receive their medical care on campus. This can be incredibly costly if your student happens to be hurt while away from school. Read the fine print on school-sponsored health insurance policies.

On the other hand, your own health insurance plan may not cover your student in the event that she suffers a school sports injury. Some plans exclude that type of coverage, and not all schools are required to cover their athletes. So make sure to read the fine print on your family policy, too.

Protecting Property

Chances are, your college student will be taking some valuable items with her when she goes off to college, including a computer and various other forms of high-tech gadgetry. She may also have a valuable instrument, or a costly bicycle. Since both loss and thievery are fairly common in most university settings, it's important to obtain coverage for these types of items so as to avoid paying for their replacements.

Since your student-and her stuff-will be away from home, it's unlikely that a standard homeowners' insurance policy will cover her valuable property. It may be possible to add this type of coverage onto your existing homeowners' insurance policy, but bear in mind that any claims made by your college student will affect your policy, and have the potential to raise your rates or make it difficult to obtain a new policy down the road.

There are also companies that specialize in college property insurance, which covers various forms of technology, instruments, furniture, and more. Some of these student personal property plans are officially recognized at colleges and universities throughout the U.S., and some schools have struck deals with them, making the coverage easy to obtain. Take the time to do a little research and find out what's available to your student, so you can save your money-and your energy-for his next visit home.

Contact Strachan Novak today for more information about back to school insurance.

What is Umbrella Insurance?

Umbrella insurance is a liability insurance policy that will work in addition to your primary policies to protect your assets and your future income. Sound like excess insurance? It's different. Excess insurance only works after all underlying policies have been thoroughly exhausted. In contrast, umbrella insurance essentially "drops down" to fill the gaps in underlying policies.

Value of Umbrella Insurance

Typically, umbrella insurance policies are sold in increments of one million dollars. This is not what the insurance will cost you, but rather its value. An umbrella insurance policy will cover liability claims from all of the existing insurance policies that you have "underneath" it, whether they be homeowners' insurance policies or auto insurance policies. This means that if your auto insurance policy has a liability limit of 200,000 dollars, your umbrella insurance policy will increase that liability limit by one million dollars.

What Umbrella Insurance Can Cover

In addition to providing additional liability coverage to homeowners' and auto insurance policies, umbrella insurance can provide coverage for claims concerning invasion of privacy, slander, false arrest, libel, and other misfortunes.

Do You Need Umbrella Insurance?

Because lawsuits are so common these days, and some people will take advantage of any opportunity to sue, it's prudent to protect yourself with umbrella insurance. If someone is injured in a car accident in which you were involved and decides to sue you for the cost of their medical bills, rehabilitation and/or physical therapy, lost wages due to their injury, and more, your umbrella insurance policy will kick in and cover what your auto insurance policy can't, potentially saving you hundreds of thousands of dollars.

Call or Contact Us today to discuss umbrella Insurance, and to see if it's right for you.

Summer in Ohio is prime time for home improvement projects. Whether you're repainting your home's exterior, replacing the roof, adding on, or constructing a new patio, a home improvement project can not only beautify your home and add to its overall comfort, but also significantly increase its value. Don't undermine your considerable efforts by failing to get the proper insurance, or you may end up having to fork out much more than you planned in the event of an accident.

Check Your Existing Policy

Do You Have Enough Coverage?

Take a look at your homeowner's insurance policy to decide whether you need to increase your coverage. Make sure that your policy will cover the cost of repairs and/or rebuilding in the event that your home is damaged during any improvement projects.

Do You Have Sufficient Liability Coverage?

Most homeowners' insurance policies provide $100,000 in liability coverage and $25,000 in property damage coverage. You may want to increase this coverage, or consider purchasing umbrella insurance that will kick in to cover what your current homeowners' insurance policy does not. Talk to your insurance provider about whether either of these options is right for you.

Will Increasing Your Home's Value Also Increase Your Premiums?

There's a good chance of this happening, so talk with your insurance provider about it before beginning a home improvement project. It's good to know ahead of time if you can expect an increase in your premiums as a consequence of your beautified home.

Check Your Contractor's Insurance

Always make certain that your contractor has the right types of insurance policies in place before beginning any work on your home. You have the right to ask for written proof of your contractor's insurance policy, and to contact his or her insurance provider directly should you have any questions or doubts.

Workers' Compensation Insurance for Contractors

Liability Insurance for Contractors

Warranty Protection

Verify that your contractor offers a warranty on the work he or she does on your home. Typically, a contractor can provide you with a written warranty promising that either the contractor or his or her insurance will back the workmanship and materials that went into your home improvement project for at least one year.

Contact Strachan Novak today to discuss coverage before you start your next home improvement project.

No longer just a corny invention of Hollywood, the robotic car is now a twenty-first century reality. Google has masterminded a self-driving car project, and created a fleet of robotic cars equipped with costly cone-shaped, roof-mounted lasers, as well as radars on their fronts, backs, and sides. And then there are elaborate maps to help them figure out just where to go. The cars can also self-adjust their speeds, keeping pace with the flow of traffic and slowing down for tight corners-or suddenly-appearing motorcycles-if necessary.

In February of 2012, the state of Nevada agreed to distribute special driving permits for robotic cars. Now, Google, as well as other companies that might work to create such futuristic vehicles, can legally test the self-driving cars on Nevada's roads. Eventually, after more years of intense development and testing, these amazing cars will be available to the public.

Seem like a scary prospect? For some, the idea of giving up control of one's car to a robot is bit unnerving. Proponents of robotic cars insist, however, that the vehicles will actually save thousands of lives. Unlike humans, robots don't suffer fatigue. They don't get distracted. They don't text and chat on cell phones while driving. And, already, a robotic car can perceive things that no human driver can, like the vehicles driving in front of an eighteen wheeler, which would be invisible to a person. This degree of perception is due to the robotic car's radars. These and other features may prevent the many car accidents and deaths that occur due to human error.

How might robotic cars affect not only road safety, but also auto insurance? Will the insurance premiums of the future be considerably lower if robotic cars dramatically lessen the number of accidents? Only time will tell. We'll just have to do what the children of the 1980s did when they wondered whether a car like KITT would ever become a reality: wait and see.

To find out more information about car insurance for drivers in Ohio, contact Strachan Novak today.

Summer isn't all sweetness and light. Beneath the charm of Ohio's sunshiny days, ice cream trucks, bare feet, and barbecues lurks the ever-present potential for all manner of mishaps. Yep, accidents happen in the summertime, too, and lots of them. While this shouldn't stop you from enjoying plenty of fun and relaxation once school's out (after all, that's what summer is all about), it should inspire you to take some preventative measures, as well as make sure your body, home, and car are all protected by the right insurance policies.

Health-Related Summer Mishaps

Home-Related Summer Mishaps

Wildfires, summer thunderstorms, hurricanes, and robberies can all affect your home in the summertime. Hot and dry weather can increase the likelihood of potentially devastating wildfires, which can seriously damage if not destroy your home. Thunderstorms and hurricanes can result in damage to your home's structure, including the roof, windows, patio covers, and other features. And since so many people leave home to take vacations during the summer, burglars take advantage of the opportunity to break in and steal valuables. Take preventative steps to protect your home from any natural disasters that are likely to strike in your region, and invest in a security system (or employ a house sitter) to keep an eye on it while you are away. Check your home insurance policy to see how well you would be covered in the event of a destructive natural disaster or burglary, or have us check it for you.

Auto-Related Summer Mishaps

Contact Strachan Novak today to make sure your covered for all of these summer mishaps.

Insurance affects-and protects-virtually all the most fundamental parts of our lives here in Ohio: home, health, transportation, and even work. Most of us are obligated to earn a living in some way, and, for some of us, work-related matters can lead to some unusual insurance policies and claims. Sure, if you're a professional musician in an orchestra, you might want to insure your bassoon, but in what circumstances would you ever need to insure your behind?

Body Part Insurance

Body part insurance may be suitable for anyone whose physical traits enable him or her to earn an income. A professional baseball player may want to ensure the arm that he uses to pitch. A trombone player may insure the elbow she uses to move the slide back and forth. Actress Jennifer Lopez famously insured her derriere-which helps to, ahem, elevate her celebrity status and therefore serves to generate some income-for a whopping one billion dollars. Singer Bruce Springsteen insured his voice, Dolly Parton her breasts, and model Heidi Klum her legs. An Australian cricket player named Merv Hughes even insured his mustache, which is a big part of his image. Which part of your body do you rely on in order to do your job and bring home the bacon? Have you ever considered insuring it?

Blast from the Past

In 2010, a retired police officer that was shot in the chest by a sniper while on the job some 32 years earlier received a $350,000 settlement. The former cop claimed he had been suffering from post-traumatic stress disorder for decades as a consequence of the shooting. Even though he sought compensation so many years after the event took place, a city council voted to approve his settlement. Makes you think back to injuries you might have sustained on the job years ago (like that time you bonked your head while getting into the pizza delivery vehicle)...would you dare to try to cash in on them today?

Key Person Insurance

This is a type of business insurance that enables business owners to take out policies on their employees. If a business employs a very crucial person on whom it relies heavily, and that employee dies, the business receives a payout. Employees must give permission before such policies can be created for them. This type of coverage may be suitable for employees who wield great influence over the financial health of the companies that employ them. Imagine being so important at work that your company insured you!

For more information about the more unusual varieties of insurance coverage, contact Strachan Novak today.

Chances are if you carry any sort of insurance policy in Ohio, you are somewhat familiar with the concept of exclusions. An exclusion is, in layman's terms, simply something that an insurance policy doesn't cover; it is literally excluded from protection by the policy. Of course, life is so much easier when everything is included in one tidy package, but since this is rarely the case, it's important to be aware of your insurance policies' exclusions.

Examples of Exclusions

Homeowner's insurance policies, auto insurance policies, business insurance policies, and health insurance policies all have exclusions. Here are some examples:

• A hurricane blows the roof off your house, and carries your car away, too. Your homeowner's insurance will likely cover the cost of replacing your lost roof; it will not, however, cover the cost of your lost vehicle, even though it disappeared through the same disaster that damaged your home. The homeowner's insurance excludes coverage of your car. However, the comprehensive coverage section of your car insurance policy, if your policy includes physical damage coverage, would respond to a claim for your car.
• You get into a car accident in your own personal vehicle that you regularly use for business. Because your auto insurance policy has a "commercial operations exclusion," it will not cover the cost of damage to your vehicle because the accident happened while you were using it for business (i.e. a commercial operation) rather than for everyday personal purposes.
• A partner in a business steals large amounts of money and is fired. Because the business has a Directors and Officers (D & O) policy that excludes coverage for loss relating to fraudulent or criminal conduct, the financial losses suffered by the business due to the former partner will not be covered.
• Your doctor informs you that you require surgery for a lifelong heart condition. Because your current health insurance policy excludes coverage for all pre-existing conditions, and you had the heart condition before you bought the policy, it will not cover the costs associated with the surgery.

Reasons for Exclusions

There are certain events-primarily natural catastrophes such as earthquakes and floods, or acts of terrorism-that can potentially affect thousands of people. Were insurance companies to cover losses incurred by policyholders during these events, they would likely go bankrupt. In other cases, such as the loss of a car during a hurricane that also damages a home, the home insurance policy provider does not want to cover damage that could conceivably be covered by an auto insurance policy; insurance companies don't want to overlap their coverage.

Dealing with Exclusions

Insurance policy exclusions need not be terrible inconveniences. Understanding how and why they exist is the first step to dealing with them. In addition, make sure to do the following:

• Read the fine print. Know your policy backwards and forwards. Read it thoroughly to make sure you are aware of all of its exclusions.
• If possible, get the items/situations that are excluded by one policy covered by another. For example, if your homeowner's insurance does not cover damage to your vehicle in the event of a hurricane, make sure your auto insurance policy does.
• Know that in certain situations-such as natural disasters-the government may provide a program to help cover your losses - for example, the National Flood Program.

For more information about insurance policy exclusions, contact Strachan Novak today.

Summer road conditions, however, aren't always as smooth and easy as one might expect. Accidents do happen in the summer in the Ohio. In fact, according to Consumer Reports, car accidents are the number one cause of death for adolescents, and they occur most frequently in the summertime.

Summer car accidents, fortunately, aren't always deadly, but they do almost always result in an increase in car insurance costs. Preventing summer driving accidents is crucial, not only for physical safety, but for economic reasons too.

Keep the following tips in mind the next time you're ready to hit the road:

Stay Home During Stormy Weather Summer thunderstorms can pop up out of nowhere, and be stunning to behold. Sometimes, it's tempting to go out for a drive to better experience one, or to "chase" one. It's more prudent, however, to stay home. Summer rains make roads slick; this is especially during the early stages of a storm, when the thin coating of water and oil (and sometimes sand) can make roads dangerously slick.

Be Cautious in Flash Floods Because summer storms can come on fast, they sometimes result in flash flooding. To prevent accidents and damage to your vehicle, always assess how deep water is before attempting to drive through it. For your own safety, abandon a car in the event that it stalls while crossing water.

Don't Drive Too Fast in Hot Weather When the sun is shining, it's tempting to want to experience the thrill of driving at high speeds. But driving too fast for too long on a hot road can actually cause tires to blow, which can result in a serious crash. In hot weather, drive the speed limit or slower, and take frequent breaks to give the tires a chance to cool off.

Make Sure Tires Can Handle a Heavy Load Car trips are common in the summer, and it's not uncommon to see cars laden with all sorts of baggage, sports equipment, coolers, extra friends and relatives, pets, and more. Before loading up, make sure your tires are properly inflated. Tire failure as a result of overloading can result in a serious accident.

Put the Phone Down, Keep the Radio Low, and Pay Attention These are common sense tips that are too easily forgotten during the carefree days of summer. But focusing on the road is just as important in the summer as during the icy, snowy days of winter. By driving carefully this summer, you'll not only keep yourself, and your friends and loved ones safe, you'll keep your car insurance premium down. And who doesn't want a few extra dollars to spend on ice cream?

For more information about auto insurance, contact Strachan Novak today.

The forest is full of life, and dwelling close to one means you have the privilege of living among all kinds of animals, plants, and trees-not to mention the chance to savor a degree of peace and quiet not available to those who set up house in the city. Living near a forest also has its hazards, however, and chief among them is the potential for a forest fire.

Landscape Defensively

• Remove all dead or dying vegetation, including trees, which can serve as the perfect fuel for an encroaching forest fire.
• Trim tree branches so they are kept a safe distance from your home's roof and chimney.
• When planting trees, space them at least ten feet apart from one another; the distance between them can prevent a fire from spreading as quickly.
• If you have a lawn, keep it mowed and promptly get rid of any cuttings.
• Regularly prune your trees and shrubs to ensure that all branches are at least six feet from the ground and all shrubs beneath trees are less than 18 inches tall.
• If your landscaping includes wooden fencing, do not connect the fence directly to your home, as it will serve as a conduit for a fire.
• Clear away any vegetation around fire hydrants and cisterns.

When Building or Remodeling, Think Non-Flammable!

• Use treated wood, which is fire resistant, to box in your home's eaves, soffits, subfloors, and fascias.
• Cover your home's vent or eave openings with non-combustible screening.
• Use fire-resistant materials, such as treated wood, stucco, stone, or brick-to enclose the undersides of your home's decks.
• Use fire-resistant materials to cover your home's exterior walls. Because it can melt, vinyl siding is not ideal.
• Fit all your home's exterior windows with double-paneled or tempered glass.
• Install chimney screens or spark arresters.

Make it Easier for the Fire Department to Help

• Make sure your home's address sign is readily visible from the street or road.
• Ensure that your driveway is wide enough to accommodate fire trucks and equipment.
• Provide an outdoor water supply complete with a hose, nozzle, and pump.
• Post signs indicating load limits on any bridges leading toward your home.

Keep in mind that, in many rural areas, there are fire protection limitations: the fire department may be volunteer, and their response time may be on the long side; they may have fewer water supplies and firefighting equipment at their disposal than a big-city fire department would; moreover, your home may be in a hard-to-reach locale. For these reasons and others, it is important to take proactive steps to keep the flames of a forest fire at bay, and do all that you can to protect your home as well as the people who share it.

For more information about fire coverage and protection, contact Strachan Novak today.

Thinking of buying a car? You probably know that insurance companies use several rating factors to determine the cost of coverage. Companies calculate these rating factors to figure out how much to charge for each individual policy. There are ratings that reflect a driver's age, locale, and even gender. If you are a 16-year-old driver in metropolitan Los Angeles, you'll likely be deemed statistically more likely to have an auto accident than if you are a 40-year-old mom driving in rural Montana.

And, naturally, the more expensive the vehicle, the more you can expect to pay for car insurance. However, whether a car is used or new, there is another main factor that significantly influences the cost of insurance: vehicle safety.

Safety

The safer your car is, the less you will pay for auto insurance. Every car is assigned a vehicle safety rating, and auto insurance companies take these ratings into account, just as they do a driver's age and location. Safety ratings are determined by different companies and organizations, the most prominent of which is the Insurance Institute for Highway Safety (IIHS). A safety rating is essentially a way of translating a vehicle's success in two areas: Prevention and Performance.

Prevention

Specifically, a rating reflects how well a vehicle can prevent, or avoid, an accident as well as how well it performs in the event that it does crash. The IIHS even gives annual awards to the most highly rated vehicles. Top safety picks for 2012 include the Chevrolet Cruze, Toyota Prius, Jeep Grand Cherokee, and Volkswagen Toureg, among many others. Check out www.iihs.org to see if your car-or the car you are thinking about purchasing-made the list. If so, you should feel satisfied for two reasons: you'll be safer when you drive and, chances are, you will also save a bit on auto insurance.

Performance

There is another type of "performance" that auto insurance companies consider when determining the cost of coverage, which is distinct from how well a vehicle performs in the event of a crash. This type of performance refers to such factors as road handling, acceleration and deceleration. "High performance sports cars" -those speedy, seductive vehicles that are known for being a thrill to drive-tend to be more costly to insure than, say, mom's 1995 Ford Taurus. So, if you have your eye on a new Porsche, expect to pay a higher monthly premium in exchange for its satisfying performance.

For more information about the cost of your auto insurance policy, contact Strachan Novak today.

Like cars, boats are vulnerable to all manner of mishaps. Therefore, they should always be insured. As a boat owner, you can take two different routes when it comes to insurance:

1. Buy a Separate Policy for Your Boat
   This option is actually mandatory for some sailboats and power boats of a certain size. If you are in doubt as to whether your watercraft requires its own insurance policy, check with your insurance provider.
2. Add Your Boat to an Existing Homeowner's Insurance Policy
   This option is suitable for those who have certain types of powerboats (generally those with smaller engines), as well as for owners of jet skis and other water sport vehicles.

If you do require a separate policy for your boat, another thing to consider is the type of policy you want. Boat owners can choose from two different types:

1. Agreed Value Policy
   With this type of policy, you and your insurance provider mutually agree on your boat's value. For example, if you agree that your boat is worth $20,000 at the time you obtain the policy, you will receive up to $20,000 to cover the cost of that boat should it be damaged or stolen, even five years down the road.
2. Actual Value Policy
   In this case, you as the policyholder will pay somewhat lower insurance premiums. However, the insurance provider will consider depreciation should you file any claims, and pay the actual cash value of the boat at any given time.

Also, every boat insurance policy should have three main components:

1. Bodily Injury Liability If you hurt another boater during an accident, this will protect you from lawsuits and out-of-pocket expenses.
2. Property Damage Liability This covers costs associated with damage to other boats, as well as ramps, docks, and other personal property.
3. Physical Damage This type of coverage pays for any damages you may cause to your own boat.

When you're ready to shop for a boat insurance policy, contact Strachan Novak.

Haven't committed to buying your own boat yet? When you rent a boat or water sport vehicle, always verify the owner has boat rental insurance. While it isn't a requirement, a reputable renter will carry boat rental insurance to protect both the property and the people who use it.

If you're a business owner in Ohio, you may have employees who take company laptops and smartphones with them during their summer travels. This is wonderfully convenient because it allows employees to stay in touch and work while they are in distant locales. It is also risky, however, because chances are those laptops and smartphones contain important customer and business records-data that should never land in the wrong hands.

This could have devastating consequences for your business; not only could you lose information that is crucial to its functioning (remember to back everything up!), but you could find yourself faced with numerous lawsuits from angry customers whose identities have been stolen as a result of their personal information such as names, credit card numbers, phone numbers, social security numbers, etc.being exposed.

How can you keep your company data secure when employees are roaming the nation the globe-while toting the portable technology on which it is stored? Consider the following tips to improve security on portable electronic devices:

• Install tracking software on your laptop, which enables it to check into a tracking center regularly via a traceable signal. In the event that the laptop is stolen, the tracking agency can collaborate with police, phone companies, and internet service providers to locate and promptly retrieve it, hopefully, before it is too late.
• Use a cable lock to attach your laptop to an unmovable object. This is a great way to prevent laptop theft in places like hotel rooms, as well as in cafes and airports, where there is almost always a need to step away for "just a minute" to use the restroom. A few seconds is all it takes for a laptop to disappear.
• Consider biometric identification systems, which require laptop users to logon using their fingerprints and can decrease a laptop's vulnerability to hacking.
• Be on alert when passing through or staying in such locales as airports and hotels, as well as when attending conferences and conventions. Unsurprisingly, seasoned computer thieves target business travelers in these situations, just waiting for them to turn their backs for a moment, or even creating distractions so they have the opportunity to snatch a laptop.
• Windows users can utilize the NTFS file system, which protects data from laptop thieves.
• Windows users can also disable the guest account on their laptops, which restricts anyone other than the computer's administrator from logging on.
• It may seem like common sense, but don't set your smartphone down on a bar, table, desk, or other surface in a public area where it can be easily forgotten and/or swiped. Likewise, don't stash it in a pocket or open bag.
• Set a smartphone to lock or time out after a period of inactivity, so that a password will be required to get it going again.
• Create a complex password for your smartphone; never use "1234" or something similarly simple.
• Set up a remote wipe service, which will enable you to have all data remotely cleared from your smartphone in the event that it is stolen.

All of these tips are helpful, but the most important thing for employees to remember is to simply be aware. Distractions abound, especially when we find ourselves in unfamiliar, exciting new territory, and it's important to keep in mind just how much valuable information can be contained in one small, sleek device.

For more information about workplace insurance, Call or contact Strachan Novak.

Chances are, Ohio residents have caught wind of the insurance policies designed specifically for pets. Perhaps you even have health insurance policies for your furry, four-legged friends to protect your finances in the event that they become ill or injured.

It's great to have protection for your pet. But do your friends and neighbors need protection from your pet? Did you know that the kind of pets you have can actually affect your home insurance premium?

Picture this: Your eccentric neighbor stops by to drop off a batch of cookies, and Herman, the family hound, unexpectedly bites him. Your neighbor is shocked, offended, injured, and (gulp) litigious. He sues you. Because the scuffle between dog and man took place on your property, your home insurance covers it and your premium probably goes up.

Home insurance agents see scenarios like these all the time. That's why some home insurance policies now adjust their premiums according to the types of dogs homeowners keep. Different insurance companies have varying lists of so-called "dangerous breeds," but there are certain breeds that generally show up on most lists. These include: Huskies, Dobermans, Rottweilers, German Shepherds, Malamutes, Chow Chows, and Pit Bulls.

Of course, many of these breeds are favored by homeowners, as their protective natures tend to deter burglars and other trespassers. But as a side-effect, homeowners who have these types of canines may have a more difficult time obtaining home insurance, or may end up paying higher premiums, even if the dog has never injured anyone.

What is a dog lover to do? If you don't yet have a dog but plan on getting one, consider a breed that hasn't been deemed "dangerous." The local animal shelter is an ideal place to find a sweet natured mixed breed, or mutt, who is unlikely to show up on any home insurance providers' list of undesirable dogs.

If you do have a dog, whether it's a "dangerous breed" or just a happy-go-lucky Lab who has never displayed any aggression in her life, consider the four S's: Separate, Sign, Socialize, and Spay/Neuter.

Separate your dog from strangers who may potentially rub her the wrong way. Install fences on your property to create boundaries and keep your dog in a separate area.

Signs are appropriate tools for keeping neighbors and unfamiliar visitors from entering the dog's space and putting themselves at risk. Hang signs that let people know there is a dog on the property and, if you know your dog has a tendency to nip or bite, make sure the signs say "Beware."

Socialize your dog to promote a love of humans and fellow animals. Teach your dog that people and animals are not to be feared, and encourage her to be comfortable in a variety of situations. Take your dog on errands, visit dog parks, and participate in obedience or training courses.

Spay or Neuter your dog to minimize aggressive tendencies and make him or her mellower, as well as less likely to roam. Doing this has the added benefit of lessening the number of new puppies born, so that all the dogs who are already alive and in need of good homes have a better shot of finding one.

Taking these steps will minimize the chances of your dog ever hurting anyone on your property, protect you from lawsuits, and keep your home insurance premium down.

For more information about pet insurance, Call or contact Strachan Novak.

Fire Marks

Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.

Cold? Heartless? Mercenary? Try all of the above. One has to admit, though, that those old fire marks are pretty cool to look at today, if you can find one (they're still visible on some buildings in older American cities).

Modern Times

These days, fire insurance is handled in a decidedly less primitive fashion. For one thing, the insurance provider is not the one with the power to put out the fire. There are different degrees of fire insurance available: some plans can cover the physical building itself; others cover the structure as well as the belongings inside of it.

All contemporary fire insurance policies, however, generally have four distinct parts:

• Part One pertains to the building itself, be it a home or business, and is termed the "insuring agreement." This part of the policy simply states the address of the building, as well as its monetary value.
• Part Two is the definitions section of the policy. This explains what other buildings, if any, may be included. In the case of a home, this might include a garage or shed. The section also provides definition to key terms used in the insurance policy document.
• Part Three of the policy details the exclusions, or, in layman's terms, what isn't covered by the insurance policy - both in terms of property and types of loss.
• Part Four lays out just how much the insurance policy will pay in the event of a fire.

*More common are insurance policies, such as homeowner, condo owner or business owner policies, that combine fire insurance with other types of insurance such as liability.

Fire Insurance Pools

Some home or business owners have property in an area that is particularly vulnerable to fires; classification codes, known as Public Protection Classifications (PPC or PC). These range from 1 - the best, to 10 - the most scant fire protection. Home and business owners with property in areas with high Protection Class ratings may find that the cost of fire insurance is exorbitant, or that they can't even find a provider to sell them a policy. Fortunately, there are state-run pool plans that enable home and business owners in high-risk areas to obtain coverage; these plans pool together several home and business owners whose properties are vulnerable to a similar degree of risk, and insure them against loss.

Fire Insurance Pools are also managed by some insurance companies. These companies pool together properties subject to comparable fire risks, and insure their owners against significant loss. The companies calculate the statistical potential of loss for each individual property using underwriting methods, including physical inspection and a credit report check. Everyone in the pool pays in a little, and whoever has the misfortune of suffering loss of property or belongings in a fire has protection.

Call or contact Strachan Novak today about your own business and personal fire coverage, and about protecting your home or business from fire-related financial loss.