Elio Penaloza Insurance Agency

How well do we know workers’ comp? Would you believe... Farmers® has been insuring small businesses since the year Amelia Earhart first flew solo across the Pacific? Since Social Security was born? Since 1935.

Is there a doctor in the house? Why, yes. Glad you asked. Farmers® has an on-staff physician and more than two dozen nurses to help with workers’ compensation claims when one of your employees gets hurt on the job. And the nurse triage is there for your employees 24/7.

Preparing your legacy plan is just one way you can help ensure your loved ones are financially taken care of when you pass away. Let’s talk today to start the conversation about your legacy plan.

Elio Penaloza Insurance Agency TEAM of Insurance Professionals

She dreams, she achieves, and she wants to leave her mark. This Women's History Month, let's bridge the life insurance gap and help support her dreams.

Embarking on the trip of a lifetime? Sharing exotic travel snaps and selfies on social might raise the risk of a robbery while you’re away. Save those posts for when you’re safely back home.

Tired of billing confusion and payments that get “lost in the mail”? Our electronic payments channel for workers’ compensation keeps things simple. Payments go directly to employees. Bills come directly to employers. Easy peasy.

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more
kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

That dryer vent won’t clean itself. Same for gutters and chimney flues. Keep track of routine home maintenance with reminders
in your smartphone calendar. Small fixes can save you from big problems.

When you’ve got an injured employee, you want to focus on their well-being. Instead, you’re stuck at a desk figuring out workers compensation bills. Consider Farmers CareSM for solutions. All of Your workers; compensation bills are reviewed for accuracy of charges and checked to confirm that discounts have been applied, before you ever see them.

Three simple ways you can help make your home a safe haven: Install motion-sensor lights outside, upgrade sliding glass
doors and windows, and add deadbolts to doors.

Turning the page on 2023 may mean your home insurance is about to renew. That’s a good time to do a quick coverage review and make sure you’re getting all of your discounts. I can help.

Holiday travelers — don’t forget to pack an umbrella (as in, the insurance policy). It’s there to help if you run into trouble and the costs exceed the liability limits of your primary insurance policies. Call me.

Mom and Pops. Corner stores. Twee boutiques. Small businesses make our communities hum. Today’s the day to celebrate — and shop — local. It’s Small Business Saturday.

Keep your business fresh as a daisy. If a power outage or busted refrigeration system (or other mechanical breakdown) could spoil your inventory, we offer coverage that can help you get up and running again. Call me to learn more.

Don’t let one bad apple spoil your business. A Farmers business policy can help you recover from employee theft and other losses caused by a dishonest worker. Call me to learn more.

Does your business have an iconic, instantly-recognizable sign out front? You can cover outdoor signs with a business insurance policy. Call me to learn more about this and other coverage to help you keep your business up and running.

If windows are the eyes into the soul of a brick-and-mortar shop, a broken window — think: vandalism, a break-in or storm — could be a black eye for your business. Call me to learn more about tenants exterior glass coverage in a Farmers business policy.

Ahhh, autumn leaves. They blaze, they amaze. And then they fall and gum up your gutters, just in time for the rain and snow. Cleaning clogged gutters now can help prevent damage to your roof and home this season.

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

Let’s talk about plumbing. Specifically: the pipes, drains, septic system or sump pump that help you keep your business clean and comfortable for customers. Adding coverage specific to sewer and drains to a business policy could help spare you a financial mess. Call me to learn more.

Word of the Day: bailee — a person or business given temporary custody of someone else’s property.
Whether you’re in the business of cleaning, repairing, transporting or storing items, customers leave important belongings in your care. What happens if a storm, vandalism or other loss impacts their property? Let’s talk about bailee property coverage for your business.

Do you live or drive near a school zone? Keep an eye out for kids crossing streets and parents making oddball U-turns and harried parking moves at pick-up and drop-off times.

Does your college student have a car on campus? Let’s talk about car insurance coverage for what you want.

It’s the season for expensive gadgets to get lost, misplaced or worse. If your kid’s backpack is stuffed with high-tech gear — laptop, tablet, cell phone — let’s talk about what may be covered by your home insurance policy (even if it disappears at school).

From bikes to laptops, your kid’s gear is a key ingredient in their success. Let’s talk about whether their belongings are covered under your home insurance policy if they’re stolen or damaged — or how to get additional coverage if they’re not.

August is Black Business Month, a time to celebrate and support Black-owned businesses. A recent survey showed the number of Black-owned businesses growing across every sector of the U.S. economy.

How does umbrella insurance work? It’s extra insurance that provides coverage and financial protection beyond the limits of your home or auto policies. And it follows you wherever you go. Questions? Call me anytime.

Who needs one more piece of mail to open, one more check to write? As a business owner, you can handle your insurance online, 24/7, with just a few clicks. Log into your business insurance account at farmers.com, update your policy and billing preferences to paperless and boom! Quick. Convenient. Makes business sense to me.