Join the Teal Pumpkin Project


What is the Teal Pumpkin Project?

The Teal Pumpkin Project helps raise awareness for kids & adults with all types of food allergies. Kids with food allergies are often left out of the fun, unable to enjoy a tasty treat at holiday functions or even during Trick or Treat. The Teal Pumpkin Project is raising awareness to try and change that.

Can you believe this is becoming a worldwide movement? Last year, all 50 states & even 14 other countries participated in creating a safer & happier Halloween for many trick-or-treaters. One in 13 children in the US have at least one food allergy. It takes just one person to advocate the importance of food safety. It takes just one neighbor to offer a non-food treat such as stickers, bubbles or any other non-food toy. Let your neighbors know you offer non-food treats for their ghosts, goblins, superheroes and princesses by placing a teal pumpkin on your porch.

Believe it or not, kids don’t just like non-food treats. They love them! How fun are glow bracelets? Let the kids wear them while they are trick-or-treating around the neighborhood. This helps keep them visible as the sun goes down. Pencils and stickers last long after the hype of Trick or Treat and long after the candy runs out.

Check out online. In the yellow tab at the website is a “downloads” tab. This helps explain the Teal Pumpkin Project and offers several great printable resources for helping to educate your family & friends.

Once you have your printable resources and teal pumpkins ready, get out there & help advocate. Use the hashtag #tealpumpkinproject to help spread the word.




Umbrella Coverage

Because lawsuits can be outrageously expensive and accidents do happen.


Your standard auto, home or boat insurance policy is designed to protect you against liability losses, in most situations. But what about other unexpected occurrences? Of course, you say, that won’t happen to me. But, what if it does. Protecting yourself with umbrella coverage is a step in the right direction.

Are you starting out in a new career, beginning a family or getting ready to hang your hat? Umbrella Insurance can protect you through all stages of your life because you can never predict the unpredictable!

  • What if someone dies in an automobile accident and your son/daughter is at fault?
  • Imagine if your fenced in dog bites one of the neighbor kids.
  • What if a neighbor or guest trips and falls on your property and receives a permanent disability?

These scenarios do happen. Can you afford a million dollar lawsuit? That’s where your Umbrella protection is a smart investment.

  • Isn’t it worth the few hundred dollars a year to protect yourself from a potential lawsuit, attorney fees or even your wages garnished?
  • With umbrella coverage, you can add additional liability protection starting $1,000,000 dollars to protect you over and above the liability limits on your homeowners, auto and watercraft policies.

ISO Classifications Are In


The Violet Township Fire Department provides professional emergency medical and fire service utilizing a combination of full time, paid part time, and volunteer firefighters.

In December 2015, the fire department’s newest Insurance Services Organization (ISO) classifications came back even better than before! In Ohio, there are only 51 departments with an ISO rating of 2, and they came back with a 2/2Y rating which puts them in the top 1.8% of rated departments in Ohio! In the entire United States, there are only 1,060 departments within that rating, which puts them in the top 2.4% nationwide!

What this means for your home address:

> ISO rating 2 -applies to you if you live within 5 road miles of a recognized fire station AND within 1,000 feet of a hydrant or alternate water supply.
> ISO rating 2Y – applies to you if you live within 5 road miles of a recognized fire station, but not necessarily within 1,000 feet of a fire hydrant or alternate water supply.

If you were previously in areas without hydrants or an alternate water supply closer than 1,000 feet may have been classified as an ISO rating of 5-9. If you were within 1,000 feet of a hydrant or alternate water supply, your rating went from a 3 down to a 2. If you are not sure, please call us to discuss your home insurance and to review the rating applied to your location. Violet Twp. is classified by the Insurance Services Office with a Class 2 ISO rating for all areas within 5 miles of a fire station and 1,000 feet from a hydrant; and ISO 2Y ISO Class Rating for all areas within Violet Township that may not be within 1,000 feet of a hydrant, but is within 5 miles of a fire station.

New Member Spotlight with PACC


What’s Happening at the PACC?


Member Spotlight: Tell us about your company’s mission and values.

To provide superior advice and service, placing a premium on Client Satisfaction, with protection and growth of their assets.
Clients’ needs is the focus of our business. 

How do you stay engaged with trends that you see in your industry?
Professional Designations, CE, and professional groups. 

What is one thing your business is known for, over your competitors?
We provide the coverage our client’s needs, at the best value. 

Has Your Business Won Any Awards? (if so, what are they?)
PACC Business of the Year, 3 Time 5 Star Award winner as the top agency in Central Ohio, as seen in Columbus Monthly Magazine. 

What advice would you have appreciated hearing when you first started your career?
Be patient it is a marathon, not a sprint. 

Tell us how you achieve work/life balance and how you share that with your team.
Do what makes you happy, life is short. You only get to live this life once, make the most of it. 

Tell us an interesting and fun tidbit about your business (e.g., your company mascot or pet, a fun outing your company held, the unorthodox way your leadership team brainstorms, the unusual ways your team communicates, etc.).?
We meet every week to discuss what we can do be a better organization for our staff and clients. 

What’s the favorite lunch food of you or your team?

What special event does your business have coming up?
MMA Insurance presents Family Fun Day on 8-20-2016


That’s right. We are hosting our 1st MMA Family Fun Day at Victory Park 8/20/2016. We are lining up several area businesses to come down and pass out free goodies to all the families that stop out. We have a commitment from the Columbus Crew too. Be sure to stay tuned. We will be posting all of our updates on our social media pages to include Facebook, Google+, and LinkedIn.

July: What To Do In The Garden

July represents the height of summer, long, hot days. Be prepared. Adjust your gardening tactics to accommodate the warm temperatures and long hot hours of the sun. Your garden will thank you.

Caring for your Lawn: Consider fertilizing your grass again (about every 6 weeks). Apply early in the month to beat the heat. Also consider raising your lawn mower blade. Longer grass helps shade the soil and better retain moisture, therefore reducing the need to water so often. Your lawn will be envy of the block as it maintains its lush green appearance throughout the hottest months.

Deadheading: When you first hear the garden term “deadhead”, you might picture friends who wore tie-dye and traveled to concerts a lot. But gardeners use the term deadhead in a completely different way. Deadheading keeps gardens neat and blooming. It’s a form of good plant housekeeping. Remove spent blooms from your flowering plants and hanging baskets. Doing so will help to encourage new growth, as well as improve the overall look and health of the plant.

Harvest: Many of your vegetables are likely ready for picking. Tomatoes, beans, peppers and zucchini are typically ready for harvest around early to mid July. As you pick your produce, check for grubs, bugs, and other garden pests that can often ruin crops. Be sure to treat your gardens to rid the grubs, bugs and other garden pests.

Conserve Water: With Mother Nature taking care of things, it’s easy to conserve water. But as the month goes on and the heat sets in, avoid waste, by only watering plants at the beginning and end of the day. Watering mid-day will result in evaporation and you’ll likely end up with higher water bills as well as dehydrated plants. Head outside with the hose in the early morning or evening hours to make sure your plants get the most of each watering.



Are you covered for your Grad Party?


It’s that time of year…graduation time. This is the crowning moment in any teenagers life, graduating high school. And as many of you as parents can attest to, it is not without hard work and perseverance from both your children and you. So, to recognize this great achievement, what better way to do that than have a graduation party? Something that you, your child, their friends, and the rest of the family can do to celebrate.

Now the question is, what is covered under your homeowners insurance? The answer is, it depends.

Q: What if someone trips and falls or gets hurt otherwise?
A: Although each policy varies from coverage and the limits, if someone is injured on your property, you have medical payments and liability coverage on the standard homeowners policies, which protect you in this event. If you are not sure, you should check your policy or call us to review it with you.

Q: What if I am away, and my kid throws a party on their own?
A: As the owner of the house, it doesn’t matter if you are there or not there. If someone gets hurt on your property, or was drinking at your house, you could be held responsible. Depending on the situation, the liability coverage of your homeowners may come into play here as well to protect you.

Q: What else can I do to protect myself?
A: In today’s litigious society, we recommend to take as much liability on your homeowners as you can and take an umbrella policy as well, especially with children in the house. They are covered under your policies as a resident relative of your household as long as they are living there. An umbrella policy is additional liability coverage for your home, dwelling & auto policies in the situation that you exceed your current policy coverage.

For less than the cost of a cup of coffee a day, most people can purchase a Personal Umbrella Policy with a limit of $1,000,000 possibly $2,000,000 or even $5,000,000.

It is also important to review your current coverage to see what you have. If you are unsure, give us a call.

Also, it is a good idea to have an agreement with your child. Let them know the implications of their choices and how it can affect you as well. This way, everyone can enjoy the party and celebrate what really matters, your child and their great accomplishment!

Congratulations to all of the Graduates of 2016!