Newsletter - Neate Dupey Insurance Group

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Business Insurnace

October 10, 2018

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.

If your back hurts more than making your insurance payment...

September 30, 2018

Lower back pain is a common infliction that affects over 80% of the adult population at one time or another in their lifetime. There are also many causes, and it can be difficult to directly determine the source of the problem without medical intervention or a visit to the doctor or chiropractor.

Some of the more usual causes are likely to be undertaking physical activity in which the body is not used to, such as strenuous gardening or lifting of overly heavy objects. This over-exertion can result in a slipped disk (or a herniated disk). This is a result of twisting, generally while lifting. A slipped disk sounds worse than it probably is. It is merely the occurrence of your spinal bone bulging slightly, and touching on some nerves. Some basic exercises can help to relieve the pain and rectify the slipped disk issue.

Tip 1: Lie on Your Back.

Now this may sound simple (and it is!) but it is also highly effective. Lie flat on the floor, with some pillows placed under your head and knees for support. This takes the strain away from your lower back. An alternative is to place a pillow on a chair seat, and rest your feet on the chair, with your back on the floor. It is recommended to stay in this position for around 5-25 minutes each session.

This is a great way of resting the back and relieving the pressure off your lower back. You should perform this exercise for no more than 1 to 2 days in a row, getting up and walking around every hour.

Tip 2: Use Heating Pads and/or Ice Packs

Heated pads will help to relieve muscle spasm. Use these for 20-30 mins at a time. Ice packs are also a suitable alternative.

Tip 3: Medicines to Reduce Swelling

Some medications that assist in reducing swelling are Aspirin and Endorphin. Panadol is also helpful in controlling minor pain while you rest your lower back and recuperate.

Tip 4: Massage for Muscle Relief

Massaging the lower back can help to reduce any inflammation and swelling. And as the muscles relax, circulation is increased and pain often lessens. If these tips are combined, together with much needed bed rest, your back pain should be gone and your back should be returned to its old self.

We recommend you always consult with your doctor regarding all health matters. Also, it wouldn't HURT to call us at 480-391-3000 to see if we can help you lower your premiums in any way we can.

We Care About Your Insurnace

September 19, 2018

Call us today.

What’s Under Your Roof?

September 4, 2018

A Home Insurance Review
Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include
•Fire and smoke damage
•Lightning strikes
•Falling objects
•Explosion
•Vandalism and malicious mischief
•Theft
•Windstorms and hail
•The weight of ice, snow or sleet
•Water damage
•Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof
A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property
Your homeowner’s insurance can also cover your personal belonging. This might include; cloths, furniture, and other items.

Do You Have A Leak In Your Roof?
Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

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.

Is Our Sharing Economy Creating New Risks For You?

August 26, 2018

Uber, Airbnb and VRBO may increase your personal liability risk. We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:

Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.

Uber offers a taxi service where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.

Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.

If you rent your primary home to others, it may limit your personal insurance coverage. Call our office for a review.

The use of the new sharing economy will most likely continue and may be a good way to save money. However, if you have an uninsured claim, the cost may be much greater than the savings. Be aware that using these services may increase your risk of loss. The insurance industry will respond over time to the sharing economy, but in the meantime, there are limitations and restrictions in your current homeowner’s and personal auto insurance policies of which you need to be aware.

As we edge closer to back to school and hopefully a much cooler fall, please consider contacting us for an 'autumn checkup' on all your insurance policies. 480-391-3000.

As always all, of us at Neate Dupey Insurance Group appreciate your business and the trust you have placed in us.