Newsletter

Can you believe all the new innovations that are available for your home? Many new technologies can help you in the kitchen, help keep your home cooler in summer, and some even reduce your homeowner’s insurance premiums. Here is a recent quote from an insurance company, “If somebody has some sort of temperature-monitoring system in their house, we give them a discount for that.”

Here are a few technologies that will help keep your home safe, and will also lower insurance costs.

Security systems -- It seems like everywhere you go, there's a camera capturing images. If you own a smartphone or tablet, you probably have a camera that's built into the device. You can not only secure your home, but actually see what is going on through videos.

Electronic locks -- Nowadays you don’t even need a key to get into your home! These electronic locks can add additional security to your home.

Connected appliances -- Appliances that you can turn off and on from your smart phone not only help with your lifestyle, but also keep your home safe.

Leak detection systems -- Smart homes can be controlled from your phone, and when connected to your home's water and electrical system, can provide you with real-time updates on how these systems are performing. If you are using more water than normal, you will be notified that there is likely a leak present.

Timed lighting -- Having outside and inside lights come on during the evening while you are away deters burglars.

Smoke and fire detectors -- Having good detection systems keeps your family safe and insurers provide discounts for these.

Home weather warning systems -- There are weather warning programs that can detect high winds and identify severe weather earlier than ever.

 

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.

Spring Brings The Need For Safety

Now that the weather is changing throughout much of the country, 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 2016, 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 tired. 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.

All of us at Neate Dupey Insurance Group appreciate your continued business and referrals. Please don't hesitate to call or email us for any reason. We would love to hear from you!
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Restaurants Are Filled With Risk

Do you own or manage a restaurant? Then you know that it is a great deal of work, but it can be very rewarding as well. There are risks that come with restaurants, and insurance is a good method of transfer. Here are a few common restaurant insurance issues you may want to better understand:

Liquor Liability

The single most important insurance coverage your restaurant or bar needs is Liquor Liability. Liquor Liability will defend you against charges, losses, and claims resulting from your negligence arising out of serving or selling alcohol. If your operation were found liable you could lose hundreds of thousands of dollars.
If you serve a customer alcohol and they are involved in an accident, the injured party and the person to whom you served the alcohol can file a claim against your business for damages.
Liquor Liability Insurance is available, but not always included, under Commercial General Liability policies. In fact, most standard liability policies exclude Liquor Liability. Liquor Liability can be purchased as an endorsement to your Commercial General Liability policy. If you serve or sell alcohol at your restaurant, bar, tavern, we recommend you add this coverage.

Food Poisoning

Food poisoning does occur infrequently, and it is not limited to restaurants that have poor hygiene standards or obtain their foods and ingredients from less-than-reputable sources. Guests can become sick from not only the food itself, but also the preparation and cooking methods

Employment Liability

Whether you are a large or small restaurant you know the employer – employee relationship has changed. In today’s world, employers can no longer assume all employment relationships will go smoothly. Finding a suitable Employment Practices Liability Insurance (EPLI) program has become one of the most important things owners and managers can do.
We have many more insurance products for restaurants and can create and deliver real solutions for you.
 

It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.

Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars. In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.
 
Tips to keep valuables safe

• Have your jewelry appraised by a qualified jewelry appraiser for insurance replacement purposes
• Take pictures
• Keep items in safe place
• Take off while working outside

 
Our homeowners and renters insurance can provide many benefits including:

• Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
• Extended Replacement Cost - Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
• Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
• Identity Theft Protection - Pays for expenses you incur as a result of criminal identity theft.

 Neate Dupey Insurance Group can provide you with he right combination of coverage, and price, followed up with outstanding service. Call us today at  480-391-3000.

Winter is often the most sickly time of the year with folks suffering from colds, coughs, sniffles, achy joints and cold sores. There are many reasons blamed: confinement with others, cold weather, depression, stress, weak immune system or lack of exercise. Depending on whom you ask, all of them can be a part of the problem.

Here are some guidelines for winter wellness.

• Eat healthy and don’t over indulge. A healthy diet will keep your gut microbiome in order, preventing harmful bacteria from taking over. Consuming lactic acid consuming bacteria naturally found in raw food like fruits and vegetables support gut and respiratory health. Consumption of traditional comfort foods high in glucose causes oxidative stress in the blood and compromises your immune defenses. Eat plenty of leafy greens, beans and citrus. [1] In addition, including your own sprouts of alfalfa, broccoli, lentil and red clover in your daily diet are extremely beneficial. Don’t forget garlic, “nature’s penicillin,” which has been used to fight infections for thousands of years. [2]
• Get more sunshine. It’s easy to stay inside during winter. Get outside often, dressing appropriately, it will make you feel better, stimulate your metabolism (your body burns more calories keeping warm), and enhance your absorption of vitamin D. Remember to be careful about excessive exercise. It can be bad for your heart. Use a small shovel, and move small amounts of snow at a time. Take any chest pain seriously and seek medical help immediately. [3]
• Manage your stress level. Winter activities and obligations can get overwhelming. Spend sometime alone in meditation. It will help you refocus and be more mindful of your blessings. [4]
• Keep up your fluid intake. Avoid dryness both internally and externally. Apply extra lotion, moisturizer, turn on that humidifier you cleaned whenprepping your home for winter, and drink lots of water. Include herbs in your water like lemon and mint, use a straw and limit your alcoholic drink consumption. [4]
• Practice standard hygiene techniques. Cover your cough with your arm, wash your hands, gargle with salt water, and discard used tissues. Limit the length of time you spend closed up with other people. Steer clear of those you hear coughing and hacking.
• Consider herbal supplements to stimulate your immune system. Herbs like elderberry extract can be a preventative tonic, [5] oil from peppermint will open sinuses and help some headaches, [6] sage mixed with honey helps sore throats. [7]
• Find ways to serve others. When you change the vibrational rate in your body, by focusing on positive gratitude, it creates a dynamic energy and powerful healer. [2]
• Get plenty of sleep. Nothing restores the body more than getting seven to eight hours of sleep a night. Immune cells are most active during the sleep cycle. [1] Good sleep banishes depression, curbs junk food cravings, eliminates extra amounts of cortisol, the stress hormone, and burns calories. [2]
• Does a flu shot work for you? Flu symptoms include fever, chills, and body aches. You can catch it by droplet transmissions from up to 6 feet away. If you get sick, stay home don’t spread it around.

Alll of us at Neate Dupey Insurance Group wish you Happy Holidays and a Happy New Year!


References
1.https://www.globalhealingcenter.com/natural-health/how-to-stay-healthy-during-winter/
2.http://www.unity.org/resources/articles/top-10-tips-winter-wellness
3.https://www.drugs.com/slideshow/winter-wellness-tips-1147
4.https://www.mindbodygreen.com/0-28333/5-tips-for-nailing-your-winter-wellness-routineno-matter-how-cold-it-gets.html
5.http://www.wortsandcunning.com/blog/winter-wellness-healing-herbs-for-the-dark-of-the-year
6.http://www.pinkofperfection.com/2012/02/winter-wellness-guide/