Archive for the ‘Uncategorized’ Category

Try something NEW and get active in June!

Monday, June 3rd, 2013


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Are you getting bored with your current workouts?  Are you not seeing results and reaching a “fitness plateau”?
We have three new ideas to spice up your exercise routine this summer!  Tabata, CrossFit & Yoga – give them a try!

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The Benefits Of An Electric Toothbrush

Tuesday, May 28th, 2013

Electric Toothbrush“What is the reason for buying an electric toothbrush?” I asked myself when I entered my local Target store. I knew that my dentist recommended it, but why. I perceived myself to be an adequate brusher; I floss and rinse usually 3 to 4 times a day, so what can the electric toothbrush do that I can’t? I found out–to my surprise–quite a bit.

For starters, they clean more thoroughly. Electric toothbrushes win hands down over manual brushes when it comes to cleaning ability. The electric version’s whirring bristles remove plaque better and faster. Their more advanced designs are also able to get at hard-to-clean areas like the backs of molars and the gum line, thus helping to prevent cavities and gingivitis.

An electric toothbrush will keep a person from brushing too hard. When a person brushes too vigorously they injure their gums, which possibly will lead to a receding gum line. When the gum tissue won’t grow back, this means you have injured your gums. Brushing too hard can also remove enamel from the tooth surface, which affects your tooth’s sensitivity to cold, heat and other stimuli.

My favorite aspect of the electric toothbrush is that it has a timer so I always know that I am brushing for the 2-minute time frame dentists recommend. If you haven’t heard the beep, keep brushing! The other feature many electric toothbrushes have is a digital reminder to replace your brush head, which should be replaced between 3 to 6 months depending on how often you brush and how hard you brush.

They are also great for people that have issues with dexterity. Electric toothbrushes have larger handles, which are easier to grip. Plus, their powered brushes do the cleaning for you, especially in the tricky areas that require fine motor skills to get at, such as the backs of molars and behind your upper and lower front teeth.

I have quickly become converted to the benefits of using an automated tooth-cleaning device. My electric toothbrush has a clear advantage to manual brushing though good technique and flossing are part of the key to having great dental health.

 

Sarah Kuretzky, MA, CPT, CHHC

Property & Casualty Division – Insurance Solutions

Thursday, May 23rd, 2013

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Boston Marathon Bombings: The Take-Away
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TIPS: Three Keys to Successful Crisis Management                             

Business owners in the Boston area who were not located in the immediate area where the explosions occurred, and therefore not immediately impacted by the blasts, probably initially didn’t give a second thought to how adversely they would be affected by this tragic event. Caught up in the shock and grief everyone was feeling, the last thing on their minds was probably, “how might this affect my business?” They soon found out when the massive manhunt by law enforcement closed down large sections of surrounding neighborhoods. It is estimated that the tragedy inflicted as much as $333 million in damage to the local economy. Tragedies can strike at any time, anywhere, and usually without much warning. Click the link below to learn the keys to successful crisis management.
 
LEARN MORE >
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TOOLS: Template for Business Contingency Plan
 
Most of the businesses affected directly, or indirectly, by the Boston Marathon bombings were probably caught off-guard. Who, in their wildest dreams, could have thought something like this could happen at an event with a long-standing tradition of personal challenge and celebration. Likewise, who would have thought that suddenly and without warning a fertilizer plant in Texas would one minute be operating normally, and the next, blown to smithereens! It is human nature to feel that “this will never happen to me or my business” – but history proves otherwise. Just ask those in Boston and Texas. The businesses that fare the best are ones that realize the potential for disaster – and have a plan in place for how to react. To get started, we have provided a template for a Business Contingency Plan for you to use to build your own custom plan.

CLICK HERE to download your copy of the template.

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TRENDING: From Managing Event Risk Going Forward to Defining What Does, or Does Not, Define an Act of “Terrorism” 
 
The bombings that occurred at the Boston Marathon finish line tragically ended the lives of several people, adversely impacted the lives of many more, and have far reaching implications for many businesses and industries - most notably the insurance industry. This atrocity has created a new degree of risk into activities not considered threatened before. By doing so, it requires a response from the insurance industry to help manage that risk. Also at issue, there are a number of matters involved in determining whether the Boston bombings tragedy would be considered a terrorist act for insurance purposes such as determining the applicability of terrorism exclusions and terrorism coverage. Click below to read two articles that address new trends in event coverage resulting from this tragedy.
IMPLICATIONS FOR INSURANCE

DEFINING TERRORISM 

Polly Nest Newsletter – May

Tuesday, May 14th, 2013

 

Welcome to the News from the Nest
Tips, Articles, Videos, Advice About Personal Insurance & FREE Quotes
News from the Nest is an e-letter designed to bring awareness to Personal Insurance issues and topics. We would appreciate it if you would share this e-letter with all of your employees.

We developed iComparrot, a product of Kapnick Insurance Group, as a way for individuals to go online 24/7, enter their information and get an insurance quote. iComparrot is the easy way of doing things on your own time, but still having an insurance agent to review & make sure you have the proper coverage. Oh, and Polly C is our spokesperson (the parrot).

We hope you enjoy!

         Click | Quote | Save

Articles of Interest

Graduation Safety

Teen driving tips to keep prom and graduation safe.  High School is full of defining moments for teens. READ More

Tornadoes

In our area, tornado season begins in April and typically peaks in June.  Last year according to the Farmers Almanac there were 8 tornadoes on March 15 alone.  Be informed and make a plan. READ More

College Graduation Insurance Tips

Protect your college grad with the right insurance.  If you read this article you’ll also find ways to protect yourself and all of the assets you’ve worked hard to acquire.  Have you completed a personal insurance review? READ More

Word to the wise 
Your Weekly Cup of Joe (Buick) Kapnick Insurance Blogger
Have you always wanted to know if you are properly covered?  Would you prefer an insurance review tailored just for you, we can help.  Read the attached article regarding a Key Employee Personal Insurance Review from our own,
Joe Buick, CIC, CRM, Vice President – Client Executive

What’s your question?

Featured Question 

Q. Is there an online Boater Safety Course?

A. Yes, in Michigan you can take an online class.  You must be at least 12 years of age and pay a fee of $29.50 once you pass the class.

GO TO Boat Michigan Course

 Submit all questions, photos, or requests to Pollynews@kapnick.com

 

Griling

 

Feature video

Grilling Safety Tips 

Now that the weather is getting nice and it feels like Spring is finally here, you might be ready to fire up the grill!  Keep your family, friends, and properly protected by following the tips in this video. 

Please contact Pollynews@kapnick.com if you need help with iComparrot or any personal insurance question.

WANT IN ON THE ACTION?
To receive special offerings and promotion highlights, join our newsletter.
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iComparrot is a product of Kapnick Insurance Group
beth.ferguson@kapnick.com | http://www.icomparrot.com
333 Industrial Drive  |  Adrian, MI 49221

 

 

Key Employee Personal Insurance Review

Friday, May 3rd, 2013

men shaking hands_webHas your company ever considered offering Personal Lines Insurance as a voluntary benefit? This line of insurance has been somewhat stripped of customer service over the past several years. Maybe you can successfully save 10% instantly with a promise from a national spokesperson.  This  method of purchasing personal lines might be adequate for a percentage of the population, but what if you could get enhanced service, better coverage options and a competitive price and have it delivered “in person” to you and your key employees? Would this be considered a benefit?

Your company’s owner(s),executive team and  key employees may just have some  stuff to cover that might not fit into a simple little package.  Folks today may have multiple cars, recreation vehicles, collector cars, cottages, homes used as rentals, and other nuances that are difficult to find a practical and affordable insurance option. Has your personal lines agent ever discussed “Risk” with you?

At Kapnick, we have a dedicated sub-set of our personal lines department that works directly with our commercial clients and their team’s personal lines needs. It is not unusual for us to meet groups of 3 to 30. We conduct the initial meetings at the employees worksite and manage the process with input from our commercial client. We collect policy information and make individual proposals after we carefully analyze current policies for gaps. We then send each individual’s info to as many as 12 carriers for their quotes.

The quote/proposal is very important and we present it in person to review options. But just as important are items that we have uncovered and fixed for our clients. One example of this is a single father of two twenty something daughters. These daughters have moved out of his home, but he has decided to insure their vehicles that are still owned by them. This creates a coverage gap as we can only insure vehicles owned or leased by our insured.  A claim may be denied if this were found out after the fact. A detailed review of this employee’s insurance policies uncovered this.

Has your commercial agent offered personal lines service for your Key Employees?

If you or your company are interested in a personal lines insurance review, please call Beth Ferguson, Client Executive at 888-263-4656, x1125 or beth.ferguson@kapnick.com .

Dental Health tips that are sure to make you smile

Thursday, May 2nd, 2013

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Diet tips for healthy teeth and gums:

  • Eating raw fruits and vegetables massages the gums, which increases salivation and neutralizes the pH of the mouth.

  • Include plenty of foods rich in vitamin C in your diet, like oranges, kiwis, papaya, strawberries and guava to keep your gums strong and healthy.

  • Drink 1-2 cups/day of green tea that contains catechins, a substance that kills bacteria.

  • Drink Aloe Vera juice early in the morning to prevent mouth ulcers and bleeding gums.

  • Sipping water throughout the day helps to keep the gums hydrated.

     

Tips for remembering to floss:

 

  • Keep your floss next to your toothbrush.

  • Put a post-it note on your bathroom mirror.

  • Set an alarm on your phone.

  • Mark it on a calendar and track it.

  • Make it a family affair– include the kids!

 

April Wellness – Sleep Gadgets

Monday, April 29th, 2013

For the last week of April, I thought it would be fun to explore some cool and trendy sleep gadgets.  This information was obtained from digitaltrends.com

Brookstone Bed Fan with Wireless Remote ($100)Brookstone-bed-fan

Sometimes, you just can’t win with air circulation on your bed. In the summer, it gets too hot; in the winter it can get sweaty under that thick comforter. Instead of a ceiling fan to add a little breathing room, go for the Brookstone bed fan that blows air directly under your sheets. The bed fan is good for couples, in case one person prefers warmer sleeping temperature than the other, and is a good way to save money on air conditioning when you only need to cool the bed. The fan is also height-adjustable to fit any bed frame and size, and comes with a wireless remote to turn things off overnight if it gets too cold.
Feel Seating System Deluxe ($7,950)Feel-Seating-system-deluxe

I know $8,000 is a ridiculous amount of money to spend on furniture. But look at this thing! It’s modular, shape-shifts to fit your body, and is convertible to use as a bed, lounger, or sofa. When you consider the cash you spend buying various furniture for your home when you can just get one that acts as everything, you may end up saving a bit of money in the long run. This is especially appropriate if you have a studio home, or spend all your time in the bedroom anyway. It’s like sleeping on a personal cloud.

Nightwave Sleep Assistant ($58)Nightwave-sleep-assistant

Do you have a hard time falling asleep at night, no matter how tired you are? Give Nightwave Sleep Assistant a shot. Studies have shown that soft, patterned light movements can help to relax the mind, hypnotizing you right to bed. Sounds crazy, but we can see the logic. The machine displays soft beams of blue light and follows your breathing pulses to help to soothe and relax, causing you to fall sound asleep in due time. Nightwave comes in 7-minute and 25-minute cycles to help hypnotize even the most awake of troubled sleepers. Consider it an economical fix versus getting a prescription for Ambien.

Ostrich Pillow ($97)Ostrich-Pillow-close-up

This isn’t technically limited to the bedroom, but it’s a nice little gadget to have when you want to catch a quick snooze wherever you please. Whether it’s at the study hall or airport gate, just slip the feather-soft, cushioned Ostrich Pillow over your head and its instant nap time without the embarrassment of those pesky onlookers. Alright, maybe people are still going to judge, but think like an ostrich! If you can’t see them, they can’t see you. Besides, you’re the one enjoying a much-deserved deep sleep.

Read more: http://www.digitaltrends.com/lifestyle/funky-gadgets-to-help-you-get-a-better-nights-sleep/#ixzz2OezoupQL

 

April Sleep Tips – Sound or Silence?

Monday, April 15th, 2013

This week, we will talk about your sleep environment with some really great sleep tips from sleepfoundation.org.

Try a few of these environment tips for a better night’s sleep this week.  Personally, I like the sound of a noise-maker or fan to help me sleep.  Do you require that too?

Noise

Noises at levels as low as 40 decibels or as high as 70 decibels can keep us awake. That means that a dripping faucet can steal your sleep, as well as the next door neighbor’s blaring stereo. But the absence or presence of a familiar noise can have as great an impact on your sleep as out-of-the-ordinary noises. Studies show that sirens and traffic noise from a city street can actually become soothing to longtime city sleepers (they will cringe at the thought of sleeping in the serene desert or mountain climate) just as the absence of the tick, tick, tick of your favorite clock while you try to sleep at a hotel can become a sleep stealer.

What to do: Try to block out unwanted sounds with earplugs or use “white noise” such as a fan, air cleaner or sound conditioner. Take your favorite clock with you when you travel in order to recreate familiar sounds that help you sleep.

Temperature

In most cases, temperatures above 75 degrees Fahrenheit and below 54 degrees will disrupt sleep, but even sleep researchers fail to agree on the ideal temperature for sleep. The point at which sleep is interrupted due to temperature or climate conditions varies from person to person and can be affected by bed clothes and bedding materials selected by the sleeper. In general, most sleep scientists believe that a slightly cool room contributes to good sleep. That’s because it mimics what occurs inside the body when the body’s internal temperature drops during the night to its lowest level.

What to do: In general, sleep scientists recommend keeping your room slightly cool — Turning the thermostat down at night in cold weather sets the stage for sleep and saves on fuel bills.  A room that’s too hot can also be disruptive. In fact, research suggests that a hot sleeping environment leads to more wake time and lighter sleep at night, while awakenings multiply. An air conditioner or fan can help, and a humidifier can provide relief if you’re suffering from a sore throat or dryness in your nose.

Light

Much of our sleep patterns – feeling sleepy at night and awake during the day – are regulated by light and darkness. Light – strong light, like bright outdoor light (which is brighter than indoor light even on cloudy days) – is the most powerful regulator of our biological clock. The biological clock influences when we feel sleepy and when we feel alert. As a result, finding the balance of light and darkness exposure is important. Bright light helps to keep you awake during the day, but in the evening prior to sleep, bright lights can be disturbing.

What to do: Make sure to expose yourself to enough bright light during the day. Find time for sunlight.  At bedtime, think dark: a dark bedroom contributes to better sleep. Try light blocking curtains, shades or blinds. If you find yourself waking earlier than you’d like, try increasing your exposure to bright light in the evening. It may delay sleep onset but as little as one to two hours of evening bright light exposure may help you sleep longer in the morning. Also, make sure to avoid light if you wake up in the middle of the night to go to the bathroom. Minimize light by using a low illumination night light.

Sleeping Surface

For the most part, we know people sleep better when horizontal and not cramped by space, and it is clear that the sleep surface plays a role in getting a good night’s sleep. For example, tossing and turning on a lumpy 20-year-old mattress that doesn’t provide support for your back or neck can impede you from getting the sleep you need and make you very sleepy (and stiff) the next day. Mattress experts say that too often consumers believe that ultra-firm mattresses are good for them, but research on patients with back pain found this was not true and a softer mattress may lead to better sleep.

What to do: Give yourself enough space to sleep. If you share a bed with a partner, make sure it is large enough to give both of you room to move around. Replace an old mattress with a new one, and choose a pillow and mattress that fits you best (soft, firm, thick, thin?) and will be comfortable throughout the whole night.

Personal Insurance – Multi-Policy Discount Save 20%

Tuesday, April 2nd, 2013

Save 20% on your personal insurance premiums with a multi- policy discount.

Or go to icomparrot.com for a FREE online comparison quote

Workplace Wellness – Program Trends

Thursday, March 21st, 2013

wellness collageTrends in nearly every aspect of life are changing the way wellness programs can engage your employees and bring greater value to your organization.

One trend for 2013 is Personalization.  It’s all about creating a program that allows you to reach the right people at the right time with the right information.  And it has to be information that is relevant to them.

The successful engagement of employees in health and wellness programs increasingly means being able to better target your programs and communications to the unique health needs and the specific desired health outcomes of defined groups and employees.





Methods to personalize wellness programs include, but are certainly not limited to:

Emails and Web content tailored for a target audience

When a participant logs in to their company wellness site, they want to see what’s important to them at a glance and have it presented to them right there.  Participants don’t want to have to hunt and search for the programs that matter to them. EXAMPLE:  Provide risk-specific information to participants (Information on ways to lower risk for diabetes to those with high glucose readings)

Rewards and incentives targeted to specific groups

If your employee population is seeing a trend in obesity, or your employees’ biometrics have come back and you see a specific trend you want to address, you can target those areas with special communications and incentives. EXAMPLE:  Provide an incentive or reward to those who get a Flu Shot or the women in your company over 40 that get a mammogram

Segmented reporting designed to help you understand and maximize program impact through more-targeted planning and communication.

Workplace wellness programs can be a big investment of company time and money. You want to know the specific programs your employees are participating in, which groups of employees are engaged, how they’re engaged, and over what period of time. EXAMPLE:  Employee participation, number enrolled, activities completed

With that kind of data, you can see how engagement and behaviors are changing over time, how they are affecting the health of your overall workforce, and how you can make changes in response.