March 2020 Vol 2 Issue 1

The Consultative Connection

In This Issue:

Coming Home: Merging of Middleburg Heights and former Olmsted Falls locations in Ron’s Hometown of Olmsted Falls. Getting Rid of Toxins. Avoiding Animal Collisions. March Recipe. Insurance Quiz.

Big News!

You’re Invited to Our New Home!

25800 N Depot St., Olmsted Falls, OH 44138 This newest location is only 1/2 a mile from our prior Olmsted Falls office and only 4.3 miles west of Middleburg Heights office, and will be a merged new location for both of these offices.

As our agency continues to grow, we continue to seek the best ways to provide the highest levels of customer service to our valued clients. We believe consolidating our teams in Middleburg Heights and Olmsted Falls to one location will help accomplish that goal, and what better place than in Ron’s hometown!

The new office is conveniently located behind the Olmsted Post Office, and is close to 480, Bagley Road, and our current prior office locations.

For those Ohio clients that prefer, please remember we also have office locations in Strongsville and Lyndhurst as well, and there are no changes with our South Carolina locations.

All of our telephone numbers will remain the same and all incoming numbers can be used to reach any staff member.

Strongsville OH:  13008 Pearl Road

Lyndhurst OH:  5010 Mayfield Road

Columbia SC:  776 Saint Andrews Road

Myrtle Beach SC: 220 Ronnie Court

Mark your calendars as well for our Independence Day Open House Wednesday, July 1st!

More exciting announcements to come!


"Try to be a rainbow in someone's cloud."

--Maya Angelou

March Side Dish Recipe

This month is all about creating tasty side dishes to share or enjoy yourself! Join us on Facebook each Saturday at 11:00 A.M. to get the weekly recipe!

We are starting off with your new favorite side: Bacon Double Cheeseburger Stuffed Mushrooms! Definitely to be a crowd pleaser!

Click here for recipe!

Avoid Those Lurking Chemical Dangers: Getting Rid Of Toxins At Home

Poisons. We're surrounded by them. In our homes. But most of the time we don't realize it or recognize them. They're in many of the household products we buy; they're in the materials used to build our homes; and they're unwelcome components in the food we eat and the air we breathe.

Scientists know what they are but what none of us truly know is what long-term damage all these toxins combined cause to our health. However, experts say every one of us has hundreds of uninvited chemicals in our bodies. They may be the unidentified cause of many illnesses including hormonal imbalances, extreme fatigue and nerve disorders. Others are considered harmless.

That's why it makes sense to learn about them and to do what we can to rid ourselves of those that we can.

According to the environmental website, the most common toxins include:

Ø  Volatile Organic Compounds (VOCs). Chemicals that turn to gas from household furnishings like carpets, plastics, cosmetics and even plywood. You can't avoid them, but keeping your home well-ventilated, especially after buying new furnishings can help. So will low temperatures and low humidity.

Ø  Pesticides. Up to 90% of them can cause cancer. Tests have found them in more than half of food products. And, of course, they're in many garden treatments. Buying fresh, organic produce, avoiding chemical-based pesticides and leaving outdoor shoes outside can help reduce these risks.

Ø  Molds and fungus. Main causes of many allergies and found in damp areas, especially where temperatures vary a lot. Also in particles from heating and ventilation  (HVAC) systems. Avoid by treating damp, keeping humidity below 60% and keeping HVAC filters clean.

Ø  Phthalates and PVC. Hard to pronounce but easy to encounter in many plastics and cosmetics. Reduce risk by checking plastic product labels for "phthalate-free" wording. Recycling code 3 indicates presence of PVC.

Ø  Others include dioxins (in animal fats), heavy metals (like lead in water) and PBDEs (in flame retardants).

For more, see 

Beware! Animals Crossing Ahead

If an animal has ever jumped out in front of you while you're driving, you already know it can be a terrifying test of your reflexes. You may be a good driver and you may be fully aware of the risk of a highway animal encounter, but do you actually know what to do when it happens?

It turns out that one of the toughest things to do when an animal runs into your path is to resist the automatic tendency to swerve to try to avoid it. Even if this tactic works, it could be at a high human cost, especially if you swerve into another lane or even go off the road.

The correct action, according to automobile association experts, is to firmly apply your brakes, releasing them just before impact, and remain in your lane.

Most animal collisions happen at night, of course, especially around dawn and dusk and in rural and forested areas. To reduce the risk, say the experts, you should use high-bream headlights if there's no oncoming traffic (remembering to dip them if a vehicle does appear).  Use the brighter lighting to scan the road and shoulders, bearing in mind that, if you see one animal cross, there's a good chance it will be part of a group and that others might follow. Honk your horn and slow down.

If you know you're in an area with a high wildlife population, take that into account by slowing down your driving speed, whether it's daytime or night.

If you're unfortunate enough to be involved in a collision with a wild animal but it's wounded rather than killed, safety experts advise against moving or even touching it. Some animals are rabid and wounded ones can behave unpredictably, so call the police instead.

Likewise, if the victim animal is a small urban one, such as a fox, or a domestic pet, or you spot an injured animal, you should call the police rather than trying to deal with it yourself. They can summon the appropriate professional help and, if it's a pet, track down the owners.

Finally, for your own peace of mind, make sure you're fully insured against the cost of damage to your vehicle or injury to you or your passengers in the event of a crash. If you're not covered against this risk, or if you're not sure, please contact us.

March Featured Local Business Partners

Consultative Insurance Group is built on the foundation of relationships with our customers and business partners.

We like to do business with those who do business with us and to introduce our clients to each other, thereby nurturing those meaningful relationships in ways that are mutually beneficial to us all.

Visit and support this month's featured category partners: Recreational & Fitness!

Ohio Partners

South Carolina Partners

Do You Really Have Coverage?

True or False:

Any item left in your car is covered by your car insurance policy. 

The real answer depends on the type of insurance protection you have on your car and home insurance at the time of the incident. 

To learn more, call 1.800.886.0305 for a free review of your policies or request a personal quote from one of our licensed team members.  

Contact Us:


"Consultative...It's the way we do business!"