Newsletter (page 15) - Neate Dupey Insurance Group

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Tips To Help You Reduce Stress

May 18, 2021

Stress has always been a part of our lives. In this hectic time, people lead an increasingly stressful life. Experts state that a little stress can be good; it keeps you sharp and ready to move forward and is sometimes vital for achieving optimum performance. However, medical research has determined that prolonged stress is very bad for the body and can block the body’s natural ability to repair, regenerate and protect itself. Over 90% of disease is caused by stress. Stress is both a physical and psychological response. It can lead to chronic disease, obesity, insomnia, deteriorating relationships, depression, and more.

Stress is such a powerful and harmful force that it is vital that you learn effective stress management techniques to live a successful, happy, and healthy life. We must remember that we will always come across inevitable factors that cause pressure and anxiety on us. What we do not know is that it is not really the problems that are difficult to deal with, but our attitude towards them. So basically, the cause of stress is your attitude toward these things. What, then, is an effective way to deal with stressors?

Below are five great tips for handling stress.

1. Identify what makes you stressed and uneasy. Making a list of your stressful experiences is useful. Immediately deal with the issues that you can change, for instance, waking up earlier for work in the morning, not leaving things till the last minute, and delegating tasks in case you are taking responsibility for everything. Forget about the issues that you cannot influence, like being stuck in a traffic jam or not getting into the elevator because there is no room for you.

2. Calm down. Wash your face, breath slowly and deeply, and notice if there is tension in any part of your body and release it. You can also listen to relaxing music, or call a friend. Releasing your inner feelings to a friend is a healthy option.

3. Remember it will pass, and it will be over before you know it. Remind yourself that the stressful event will end sooner or later can make you see the positive sides of things. At the same time, calm down your emotions and think of what is the best thing to do rather than take your energy away from what needs to be done.

4. Know yourself. Ask yourself: What triggers your anxiety? If, for example it is your job, then maybe it's time for you to reconsider whether it would be best to find a less stressful job. You can also make your job more tolerable by allowing yourself to get that needed vacation or leave.

5. Learn to use your relaxation response. Just as we all have within us the stress response, we also have an opposite response, which is the relaxation response. A person should elicit that on a regular basis. The relaxation response involves two steps. Repetition the repetition can be a word, a sound, an expression, or a repetitive movement. The second step is to ignore other thoughts that come to your mind while you’re doing the repetition, and come back to the repetition. The technique should be used once or twice a day for about 15 minutes. Sit quietly and choose a suitable repetition, like a prayer, the sound Om, or the word love, or calm.

Consequently, you’re less likely to be upset by a stressor and thus less likely to have its harmful effect occur. Eventually, it is your choice. You could either continue to react in the same stressful way, or you could choose to improve your life by changing your attitude and becoming relaxed. There's no other way around it.

And of course, we hope that your interaction with Neate Dupey Insurance Group is as stress free as possible!

These Issues Are Reshaping Your Business & Insurance Program

May 11, 2021

The future is now, and if you want your business to compete over the next few years you may want to pay attention to the following topics. There are a number of factors that will affect the business of insurance in the near future.

Technology
Our world has gone digital. Technology has changed the way you relate with your customers. Have you invested in the right technology, and do you have it insured?

Cyber Liability
With the growth of technology, we can now access and store data from our cars, homes and while on the go. This creates a real need to have effective data security, the most up to date protection, and policies and procedures for use and storage. Part of cyber management includes having a cyber-liability policy for your business.

The Next Generation of Leaders
Millennials will lead the next generation in the workforce. Is your business prepared? Millennials like to live and work in the same community, use public transportation and work from home.

Energy Prices
As the price of oil drops it has become more economical to deliver goods and services. However, there are more auto accidents as a result.

COVID
Managing your employees and customers will create new challenges for your business. Be prepared.

Employment Liability
If you have employees, you are exposed to potential employment liability claims. Employees know their rights, and it is time for all employers to become more informed about how to protect their companies. An EPLI policy covers claims made against directors, officers, employees, the company, and its subsidiaries.

Cyber Risk Prevention

May 5, 2021

Cyber Risk Insurance

Cyber liability coverage (for data breaches) has evolved from just insurance for information technology companies to coverage that nearly every kind of business should have - if they don't already. From retailers, banks, contractors, distributors, restaurants and medical offices, many businesses are unaware of the severe data breach exposure they face. In short, any business not making an effort to protect personal private information is seriously out of step with the emerging landscape of privacy law. We can provide your firm with the right combination of pricing and coverage. Cyber risk insurance is available at very reasonable premiums. Many of our companies offer coverage to help protect your business from loss.

Cyber Risk Prevention

Do not use the same password for your accounts, important accounts such as online banking, financial services or online purchases with your credit should have different passwords.
Install security software that is designed for your specific business.
Only connect to the Internet over secure, password- protected networks.
Don’t collect information that you don’t need.
Reduce the number of places where you store information.
Only connect to the Internet over secure, password- protected networks.
Don’t store important information on lap-tops.
Password protect your important document.
Review bank and credit card statements monthly.
Having the company’s database on a different web server than the application server.
Never email information on an unsecured Wi-Fi network.

If you have a standard business policy, you may not have the right kind of coverage. Let us work with you to provide the right coverage.

How To Avoid Contractor Insurance Scams

April 28, 2021

As a homeowner, you carry homeowner's insurance to protect yourself in case of damage to your home. A devastating storm can leave flooding waters, property damage, and personal injuries in its wake. Perhaps one of the least expected dangers that follow a storm is fraudulent contractors. Most contractors are honest and work hard, but some will follow disasters and try to take advantage of you.

After recent storms and major disasters, a few unscrupulous contractors use a trick to defraud homeowners every year - convincing them to sign away their rights through an Assignment of Benefits (AOB) form.
A contractor or repair company representative will often tell you that an Assignment of Benefits or "AOB" form is necessary for them to do work on your home. They may promise it will make the process easier for you as it will allow them to "handle everything." They might even offer to lower or eliminate your deductible if you sign the form immediately.

Don't allow contractors to start work before the damage is assessed by your insurer. Most importantly, don't sign an AOB form. We are here for you and can help you navigate the claims process and avoid contractor abuse and fraud.

Use well know contractors
Ask for a written contract
Ask to see proof of insurance and licensing from the contractor
Make sure your agent and insurance company is involved.
Have your claims adjuster inspect all damage?

Spring Safety Tips

April 27, 2021

Spring Brings The Need For Safety
Now that the weather is changing, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter. But before the outdoor fun begins, please remember to do it safely. Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries. In 2019, there were 6,100 reported home fires involving gas or charcoal grills leading to $29.1 million in direct property damage, according to the National Fire Protection Association.

Be Safe While Having Fun
If you are planning on having some fun this spring, remember these safety tips:

If you are going on a bike ride, be sure to wear a helmet. Verify that the helmet sits level on top of the head–not rocking in any direction–and always fasten the safety strap.
When using a barbecue grill, always be sure to leave sufficient space between the grill and your home’s siding and eaves.
Keep children and pets far away from the grill.
With gas grills, be sure that the hose connection is tight and check hoses carefully for leaks.
If you own a pool, install a pool alarm to detect accidental or unauthorized entrance into the water. Always have an adult in the area when children are using the pool. Limit use of alcohol when enjoying your pool.
It would be a good idea to test all play structures, including tree houses. Check play structures for sharp screws, bolts, or nails. Make sure the swing set is on a level area and the legs are properly anchored.
Do not leave tools or sharp objects in the back yard.

Be Safe While Completing Work Projects

Spring is a good time to complete an inspection of all motorized equipment to make sure they are in good working order.
Always wear shoes and long pants when using gardening power tools to protect your legs and feet from flying rocks and debris.
Never start your projects when you are tried. Fatigue can cause severe injuries with accidental slippage while using a dangerous power tool.
If you are digging around your yard, confirm that there are no electrical or gas lines in the area.
Remember that your body may not be used to heat, so if it is hot be careful not to get heat stroke. Hydrate yourself on a regular basis.

The Neate Dupey Insurance Group had its beginnings in 2010 with the establishment of AMD Insurance Services in Scottsdale, Arizona.
Since then, we have grown to become a boutique independent insurance broking and risk management firm, supported by a large panel of national carriers, with clientele throughout the United States.
We occupy the niche between the big national insurance agencies and the typical suburban or captive agency. This makes us the ideal insurance partner for those clients seeking a combination of personal service and technical expertise.
We focus on tailoring innovative insurance solutions for clients who require more than “off the shelf” financial services.
As a full-service insurance agency, our clients range from large multi-state enterprises, to small and medium business, along with residential home, scheduled personal property, auto, liability umbrellas and all other ancillary personal insurance products.
When you form a relationship with Neate Dupey, you can rest assured knowing you will always be treated as an important client, and that your business or family’s future will be fully protected.
We look forward to speaking with you and assisting you with your insurance and risk management requirements