Enacted in March of 2020, as part of the CARES Act, business owners can apply for a refundable tax credit designed to reward business owners for retaining employees throughout the COVID-19 pandemic. This credit is available for both small- and mid-sized businesses. You can get up to $26,000 per employee.
Every year there are 5,700 grill fires, causing $37 million in damages, 100 injuries and 10 fatalities occur. July is National Grilling Month and to keep you from becoming one of these statistics, we have some tips to follow according to the U.S. Fire Administration.
May 06 Celebrating Mother's Day
Mother’s Day honors the mother of the family or individual, as well as motherhood, maternal bonds, and the influence of mothers in society. It is always celebrated on the second Sunday in May and started as a women’s movement to better the lives of other Americans.
Mar 04 Eye Strain
According to the American Optometric Association, two or more hours of continuous daily use of digital screens can cause computer vision syndrome (CVS).¹ Sustained viewing of screens can increase the likelihood of CVS and related symptoms, such as eye fatigue, blurred vision, headaches, itchy and tired eyes, and neck/shoulder pain. Review these tips to help minimize eye strain.
With the invasion in Russia, Iran and China are posed to attack American businesses. Is your business protected with cyber liability insurance? Now is a good time to contact the agency and obtain a policy. It is also a good time to test your cyber protocols and training.
Data breaches and cybersecurity threats can threaten the security and privacy of a small business. A cyber attack, for instance, can result in stolen personal data from customers. Some of this data might later be used for identity or credit card theft purposes.
Dec 03 Holiday Cooking
We are all doing it - cooking like crazy from turkeys to Christmas/Hanukah cookies, we are spending lots of time in the kitchen. However, with all the frenzied activities, we let safety slip. Take a moment to review these tips to ensure a safe, blaze free holiday season, courtesy of NFPA:
Nov 26 Support Local Businesses
November 27th is Small Business Saturday. Small businesses are the heart of our communities. Shop at a local retailer to find that unique gift or eat at a local restaurant this weekend. According to the American Express Shop Small Impact Survey, 56 percent of small businesses surveyed said this year’s Small Business Saturday event is more critical than ever for their business. Looking ahead to the new year, 78 percent said holiday sales will impact their ability to keep their doors open in 2022. Small Business Saturday 2021 could help to boost small-business owners who continue to face difficulties during the pandemic.
The aim of anti-bullying month is to prevent bullying from happening. It is designed to hold schools accountable when they fail to protect our children and to force them to take appropriate steps to respond to bullying. Bullying can come in many forms, and victims can feel helpless or unsure of how to stop the situation. While bystander intervention is an effective way to stop bullying in real-time, understanding how it can be prevented can be even more important.
Sep 17 Do Hackers Return
According to Atlas VPM data, half of businesses worldwide have been affected by recurring attacks from the SAME hacker. The data also revealed that 61% of companies hacked did not remediate the breaches, leaving the company and its data vulnerable to attack. From phishing emails and cloud-based attacks to cyberattacks on remote workers and ransomware, cybercrime is up by 600 percent.
Sep 10 Solemn Weekend
Twenty years tomorrow we will remember the almost 3,000 people who lost their lives. We honor the first responders who never hesitated but ran to assist those in the two towers, the Pentagon, and in Pennsylvania. Talk to your children about how we all came together with such patriotism that we haven’t seen since. We are the greatest country in the world and “we will never forget.”
With forest fires and hurricanes hitting all across the US, it’s time to raise the importance of preparing for disasters and emergencies. There are plenty of resources to assist you during September to help you prepare. Ready.gov/September features four weekly posts – Make a Plan, Build a Kit, Low-Cost, No-Cost Preparedness, and Teach Youth About Preparedness.
Aug 20 Seniors and Car Safety
Ever wonder as you grow older, what car you should choose for safety, one that is easy to drive, safe, and has the technology to help avoid common mistakes that lead to accidents. In a recent issue of Aging IQ, experts suggest tips for ensuring your safety behind the wheel.
Jul 30 Traveling by Car This Summer
With more and more people planning road trips, you need to be even more attentive due to distracted drivers. According to the NSC, more than 700 people daily are injured by distracted driving crashes. The cause – talking on the cellphone or texting/programming in-vehicle systems.
Jul 02 Fireworks Safety
What would the 4th of July be without fireworks. Can’t imagine. But they are deadly. In 2020, eighteen people in the US died after episodes involving fireworks according to the Consumer Product Safety Commission, and that doesn’t include those who were seriously injured.
Jun 07 2021 Hurricane Season
Hurricane Season – 2021 is shaping up to see 13 to 20 named storms, 6 to 10 to become hurricanes for the East Coast and 2 to 5 tropical cyclones predicted for the Central Pacific hurricane region. With tropical storms comes lots of rain and that means flooding. Make sure your to-go-bag is ready and you know your evacuation routes. Don’t drive through standing water. And last, contact our agency for a flood quote. Just two inches of water can cause significant damage.
May 14 Small Business Month
Small businesses represent over 99% of the 28.7 million firms. The vast majority have fewer than 20 employees and nearly 40% of all enterprises representing under $100k in revenue, according to JP Morgan Chase. So it is fitting that the month of May celebrates the small business owners.
According to Tim Allen, Harvard Business Review, companies are recognizing that employee benefits can be life-changing for their workforce, especially those centered around care, flexibility, and mental health. Many employers in order to better support their employees and their business are planning to revise their benefit strategies.
Ransomware attacks have surged about 200% in the past two years according to Insurance Thought Leadership. Severity is up too, with the average demand exploding from roughly $10,00 to $100,000. Armed with increasingly inexpensive tools, hackers are expanding where and what they target. There are even developers who sell or lease ransomware, offering Ransomware-as-a-Service (Raas).
Mar 12 Daylight Savings Time
Daylight Savings is this Sunday – don’t forget to set you clock forward. Looks like you you lose an hour of sleep. Some people have trouble adjusting to the one hour change. It is recommended that you keep your schedule and get seven to eight hours of sound sleep and go to bed a little early the night before. If your sleep cycle is out of whack, driving can be a bad idea. One study showed that fatal traffic accidents increase the Monday after both time changes.
Feb 26 Why the Surge in Car Thefts
A puzzling invitation to auto theft is increasingly sitting in the unoccupied car’s cup holder—the key fob. After many years of car theft declines arising from improved technology, we are now seeing a surge in this unfortunate crime. This spree, worsened perhaps by the pandemic, can be attributed to largely one factor: human carelessness. No hot wire is needed!
Jan 29 Dangers of Space Heaters
It is always nice to be snuggly and warm during the winter nights, but many of us use space heaters to keep us warm. They can be dangerous and the biggest threat is fire. Fire is caused by the overloading of circuits and power failures. Last year, there were 55,000 fires, 450 deaths, and more than 1,500 injuries due to space heaters.
With so many situations affecting our businesses this past year, such as COVID-19, lock downs, and remote employees, it is important to review annually your procedures to restore critical business functions in the event of an unplanned disaster. These disasters could include natural disasters, security breaches, service outages, and other potential threats.
Not training your workers regarding COVID-19 can result in fines and lawsuits. Sixteen states have passed emergency temporary standards requiring employers to train their workers on COVID-19 workplace safety protocols. Every state enforces things differently, so it is important you know what your state requires.
Aug 28 OSHA COVID-19 Materials
OSHA has issued new posters and guidance booklets for businesses. They are free and available in multiple languages. Go to https://www.osha.gov/pls/publications/publication.searchresults?pSearch=coronavirus%7Cadd+to+cart and select the materials right for your business.
Jul 31 Stroke Warning Signs
Stroke kills about 14,000 Americans each year – that’s 1 out of every 20 deaths. Someone in the United States has a stroke every 40 seconds. Every 4 minutes, someone dies of stroke. Every year, more than 795,000 people in the United States have a stroke, according to the CDC.
We are in the midst of the hurricane season which generates tropical storms throughout the United States. 2019 is predicted to produce 16 name storms and reach tropical-storm strength or greater, with eight hurricanes with at least one potentially hitting land-fall.
Jun 26 D&O rates are set to climb
According to a report by AM Best, Directors and Officers liability insurance rates are likely to double in the wake of the COVID-19 pandemic as insurers respond to increased shareholder litigation over the past three years and future litigation over coronavirus-related exposures.
At Fish-Johnson Insurance we insure everything under the rainbow. Call us at 319-233-3335 to discuss all your insurance needs.
If you use baby monitors or wireless cameras, you are at risk for being hacked by cybercriminals.
West Bend Insurance Company recently recognized Fish-Johnson Insurance Agency as achieving their “Preferred” level of recognition in the company’s Preferred Partners agency awards program. The Preferred Award achievement level is based on the agencies profitability, growth and West Bend’s position within the agency. Fish-Johnson Insurance has been recognized for such an award in each of the last two years. This award earned Fish-Johnson a trip to Nashville, Tenn., however the trip has been canceled due to the Coved 19 virus. Fish-Johnson has represented West Bend Insurance since 1990.
OSHA has reminded employers of their reporting requirements for workers with coronavirus, and provided guidance as to how to complete the form. In addition, they created a brochure, “Guidance on Preparing Workplaces for COVID-19”, which you can download. If you need any assistance, please contact us at the agency.
To combat the opioid crisis and lower drug costs, the National Council of Insurance Legislators adopted the Worker’s Compensation Drug Formulary Model Act. The purpose of the act is to establish a drug formulary for use in states’ workers’ compensation systems in order to facilitate the safe and appropriate use of prescription drugs in the treatment of work-related injury and occupational diseases. Each state will use this framework to establish their own policy.
If you are planning on giving jewelry, we recommend you have it appraised, and then call us so we can protect it with the right insurance. February is also National Heart Month. We encourage you and your loved ones to schedule a check-up to help fight against cardiovascular illnesses and disorders.
Feb 07 Wear Red Today
Wear Red Day is dedicated to raising awareness about heart disease in our communities. Heart disease is the leading cause of death in the United States. Pledge to be more active to protect your heart by moving more, eating healthy, managing stress, not smoking, and getting quality sleep.
As we start 2020, it is a great time to review and update your Employee Handbook. With the advent of ransomware and cyber breaches, it is important to communicate to your employees the procedures to be followed as it relates to electronic communications.
Nov 08 Veterans Day on the 11th
As we come together as a nation to celebrate Veterans Day, take a moment to remember friends, family members and colleagues who served in our military. It is thanks to them that we live in the home of the free and the brave. Also, it is a great time to hire a vet.
West Bend Insurance recently recognized the Fish-Johnson Insurance Agency as achieving the “Premier” level of their Agency Awards Program. This recognition earned Fish-Johnson Insurance a trip to Chicago where they participated in West Bend’s celebration of their 125th year in business.
Life Happens, a non-profit organization, has an entire website devoted to life insurance. September is Life Awareness Month and you will find calculators to assist in determining the insurance coverage you need, along with helpful videos and educational pieces. Go to https://lifehappens.org to find out what you need to protect your family and then call the agency to discuss.
Aug 30 History of Labor Day
Labor Day, celebrated the first Monday in September, pays tribute to the contributions and achievements of American workers. It was created by the labor movement in the late 19thcentury and became a federal holiday in 1894 by Grover Cleveland. Labor Day weekend also symbolizes the end of summer.
Safeco Insurance Company has recognized Fish-Johnson Insurance Agency, as a Safeco Elite agency based upon outstanding performance and commitment to serve its customers as a trusted advisor.
Hurricane Season officially begins June 1st. This Spring has been tumultuous with weather activities such as tornadoes, heavy rain and flooding. Now, Hurricane Season is here and experts predict 13 named storms. While activity is slow in the beginning of the season, now is the time to purchase a flood policy to protect your home or business from the devasting effects of water and flooding. Remember, It takes 30-days for a policy to take effect.
May 07 National Small Business Week
As a small businessowner, it is difficult to keep up to date with the latest topics and issues. The SBA is offering a free online conference hosted by the US Small Business Administration and SCORE. For today and tomorrow you can register and attend all or pick and choose the sessions you wish to attend.
If you are celebrating the Super Bowl at a restaurant or sports bar, we’d like you to be safe. Remember to plan ahead for safe transportation if you are planning to drink. Be careful with your credit card information, as with all the activities, identity theft rings are working to steal your information, and finally, with lots of people in one location, it is important that you know where the exits are.
Jan 18 Corporations Top Concerns
According to a recent survey conducted by Allianz in their annual Risk Barometer, the top perils to corporations are cyber incidents along with business interruption events. In addition, workforce skill shortages and legislative/regulatory changes rank as key concerns.
Dec 07 Holiday Safety Tips #1
Holiday Season is a special time of year. And with it comes careless and vulnerability to theft and other holiday crime. For the month of December, we will post a series of safety precautions to help insure you have a wonderful holiday. Our Tip #1 features Shopping at Malls.
Twenty-five million veterans are living among us today. These men and women selflessly set aside their civilian lives to put on the uniform and serve us. On behalf of all the members of our agency, we want to say “thank you” to all our Veterans.
Emergencies can create a variety of hazards for workers in the impacted area. Preparing before an emergency incident plays a vital role in insuring that employers and workers have the necessary equipment, know where to go, and know how to keep themselves safe when an emergency occurs. These Emergency Preparedness and Response pages supplied by OSHA can provide information on how to prepare and train for emergencies and the hazards to be aware of when an emergency occurs. The pages provide information for employers and workers across industries, and for workers who will be responding to the emergency. Go to https://www.osha.gov/SLTC/emergencypreparedness/index.html for specific plans for tornadoes, floods, wildfires, and hurricanes.
These five causes of home damage were identified by the Travelers in their recent report which tracked claims from 2009 to 2016.
No matter what your business, cyber-attacks are an increasingly common occurrence. They not only affect the Internet, but also attack your core business systems. In addition to your cyber liability coverage, you need to implement risk management support.
In May, Small Business Optimism rose to 107.8 - the second highest level in the 45-year survey history according to JobCreators. Income increases hit a 45-year high with a net 35 percent reporting raises for their employees, while positive sales trends are at the highest since 1995. Business expansion plans are the most robust in survey history.
You will need to consider obtaining coverage for your motorcycle. While you can easily add it to your personal auto policy, there might be a better way to provide protection due to numerous gaps in coverage since auto policies were not designed with motorcycles in mind.
Since 1992, April has been designated as Stress Awareness Month. According to the American Institute of Stress, about 90% of all visits to primary care physicians are for stress related disorders, ranging from stomach trouble to heart disease. Job related stress costs American businesses about $150 billion a year.
Have you considered a career in insurance? It’s more than a job, it’s more than “selling” – it’s about working with a client to provide them with the very best insurance coverage to meet their needs and mitigate their risks. It’s a rewarding career.
Dec 14 2017 Ten Most Hazardous Toys
The non-profit, World Against Toys Causing Harm, has released its 2017 list of the ten most hazardous toys. W.A.T.C.H. says consumers buying toys on the Internet are already at a disadvantage, as they are unable to touch and physically inspect a toy and its packaging at the time of sale for more obvious hazards. In some cases, limited product information on e-commerce sites can lead to misinformed, and potentially dangerous, consumer toy purchases.
Oct 20 Tree Maintenance & Care
Fall is a great time to prepare the trees on your property for winter. The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.
With spring cleaning far behind, and summer fun all but over, it’s time to start fall home maintenance. Fall is the perfect time to perform important maintenance to your home so you’re not caught in the middle of winter with a drafty house or a malfunctioning heater. We’ve compiled the top eight fall home maintenance tips, along with what you can do to ensure your home stays warm and comfortable this winter.
School is starting and is your child ready? Keeping him/her safe from injury is extremely important. To assist you, we have provided a Safety Checklist from the National Safety Council which speaks to walking to school, riding a bike to school, riding the bus, and then school safety tips such as back-pack related injuries and preventing playground injuries.
Aug 18 Solar Eclipse Safety
We are set for unique experience on Monday, August 21st – a total coast-to-coast solar eclipse. During that time, the sun will be blocked for two minutes and create eerie diamond rings of light, weather permitting. So, if you are watching on tv or seeing it in person, you should be awed.
Aug 04 Family Fun Month
August is Family Fun Month and keeping everyone safe while enjoying the outdoors can be challenging. Here are some safety tips to ensure you have a wonderful experience from the NYSPCC. Practice water, sun, bike, barbecue, and fire safety. To read the entire article, click here.
May 26 Remembering on Memorial Day
As we enjoy this weekend with our friends and family, let us take a moment to remember those heroes who have given their lives, who have served, or who are serving, to protect our precious freedom. They are our true heroes. On behalf of all of us at Eustis Insurance & Benefits, we wish you a Happy Memorial Da