7 Ways to Address Stress & Burnout in the Workplace
We’ve all seen a meme or cartoon that pokes fun at “Monday morning blues,” but if dreading going to the office is more than a passing laugh and becomes chronic, it can lead to serious health concerns. The average person spends over 90,000 hours at work throughout their life, and 8 out of 10 people […]
Making a Home Inventory
Your homeowner’s insurance policy is there to protect you from losses like fires and burglaries, but an often forgotten part of having this coverage is documenting your possessions. Insurance carriers are much more likely to reimburse you if you can show them a lost item’s value and condition. Plus, a completed home inventory can help […]
Is It Time to Review Your Insurance?
Reviewing your policies on a regular basis not only protects you from future losses, but also ensures you are not overpaying for coverage. As a business owner, you turn to insurance to help you identify and address the unique threats to your goods, property, customers and bottom line. However, many wrongfully assume that once they’ve […]
Have a spooky, safe Halloween!
Celebrate Safely Do you remember how much fun it was to get dressed up as your favorite action hero, cartoon character or princess and go door to door for Halloween treats? Well, your children can now experience that same joy. Just as your parents did for you, now it’s your turn to prevent Halloween accidents […]
10 Tips for a Smooth Open Enrollment
Having gone through benefits renewals with employer groups of all sizes over the years, I have seen firsthand the importance of a well-planned and thoughtfully executed open enrollment. Although the selection of benefits is a necessary step to prepare for open enrollment, there are a multitude of other aspects that are just as important. Many […]
8 Ways to Save On Auto Insurance
Rising premiums may leave you wondering what you can do to save money on auto insurance. While you can’t control all of the factors influencing your premiums, there are a number of cost-saving strategies you can use: Tips to Save You Money For More Information To talk more about ways to save on your auto […]
Contingent Business Interruption Insurance
Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism. But what happens when one of your suppliers or customers […]
Tips for Sticking to Your Diet During the Holidays
The holidays bring to mind thoughts of family, friends, fun and food. However, each year, millions of Americans struggle to maintain their waistlines during the holidays while surrounded by tempting holiday treats. With so many social gatherings during this time, it can be difficult to avoid treating yourself when you’re offered good food and drinks. […]
Claims That Will Increase Your Home Insurance Rates
Home insurance is important to help you financially recover from a disaster. Unfortunately, the more claims you file, the more expensive your insurance rates will be. Although all claims will likely raise your home insurance rates, these five will have the greatest impact on your home insurance premium. Keep in mind that any claims you’ve […]
Common Exposures for HVAC Businesses
Most homes and businesses are outfitted with heating, ventilation and air conditioning (HVAC) systems—systems that require the care of specialized technicians for service. As an HVAC contractor, you are tasked with managing a variety of risks every time you perform maintenance or an installation on behalf of your clients. Just one incident involving the use […]
Safety Tips for Exercising in Cold Temperatures
Exercising in cold temperatures can be challenging—but not impossible. Stay active this winter by using these safety tips for exercising outdoors in the colder months ahead. Don’t let the cold weather stop you from maintaining an active lifestyle—take the necessary safety precautions this winter to ensure a safe workout. By Zywave, Inc.
Weather Damage and Your Home Insurance Policy
Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first understand what weather claims are typically covered under a standard home insurance policy. Perils typically covered under your insurance policy include: Perils often excluded from your insurance policy include: Talk […]
Common Exposures for Retail Operations
Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly. Depending […]
Home Care for the Cold and Flu
Did You Know? Many people visit the doctor even when they do not need a doctor’s expertise to diagnose and treat their symptoms. The next time you or someone in your family has a cold or experience flu-like symptoms (such as a sore throat, runny nose, cough, dizziness, fever or muscle aches), it may be […]
Top 9 Most Popular Blog Posts That Rocked Employee Benefits in 2019
With 2020 around the corner, we’re excited to continue pushing the envelope when it comes to fresh thinking, innovation and relevant content to help drive your employee benefits strategy forward. Before diving into the new year, let’s take a second to revisit your favorite Fresh Thinking blog posts of the year. Kim Adams, Senior Account […]
Emergency Roadside Kits
The Importance of Being Prepared Close your eyes and picture this scenario: You are driving late at night on a country road and your vehicle becomes hard to control. If your vehicle is equipped with a roadside emergency supply kit, you will have all that you need at your fingertips to get back on your […]
Common Exposures for Plumbing Contractors
Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action. These challenges are magnified when you consider that risks related […]
It’s American Heart Month: What You Need to Know about Heart Disease
Heart disease is the leading cause of death for both women and men in the United States, causing about 647,000 deaths annually, according to the Centers for Disease Control and Prevention (CDC). Heart disease is also an extremely expensive disease—costing the United States about $207 billion annually in health care, medications and lost productivity. What […]
How to Prepare Your Workplace in the Face of a Pandemic
With the Coronavirus spreading quickly, the World Health Organization (WHO) recently declared a global emergency. The virus is currently in more than twenty countries and the number of cases is spiking at an alarming rate. Not only is this virus spreading faster than previous viruses, but the severity of symptoms and outcomes also seems to […]
Preparing for a Vacation
Keeping Your Home Safe While You’re Away When preparing to leave for a vacation, it’s easy to overlook basic home safety precautions. To protect your residence while you’re away and enjoy a worry-free trip, keep these tips in mind. There are a number of hazards that could affect your home while you’re away, including lightning, […]
Common Exposures for Hotels
Owning and operating a hotel can be a rewarding endeavor. However, hotel operators have to manage numerous exposures related to lodging, and many offer amenities—including pools, exercise facilities, bars and restaurants—that can dramatically increase the number of insurable risks. The list below provides an overview of these hotel risks and more, helping you identify potential […]
Tips for Working From Home Efficiently
Being efficient while working from home can be a challenge. It’s up to you to motivate yourself and be just as focused and effective as you would in the workplace. Set yourself up for success, and consider these tips to stay accountable and productive: Lastly, it’s important to set boundaries with your kids, pets and […]
Reopening a Business After the Coronavirus Shutdown
As the coronavirus (COVID-19) pandemic continues to have an unprecedented effect on daily life, many business owners are looking forward to a return to normalcy. We may be nearing a time when stay-at-home regulations are scaled back and all businesses are allowed to resume. Before reopening, businesses should perform a risk assessment to determine what […]
Life Events that Affect Your Insurance Needs
As we age and reach different milestones in our lives, our insurance needs change. In order to ensure adequate coverage, contact your insurance broker if you’re affected by any of the following life events: Insurance is critical for nearly every stage of life. Seeking coverage should be an active process, and individuals shouldn’t assume their […]