Flu Season Upon Us

We’re officially in the flu season.  There hasn’t been as much talk about the flu season lately, but it is surely upon us.  In the coming weeks and months we’ll hear of flu outbreaks, and employees calling in sick.  It’s as automatic as the seasons. 

So, what is the flu?  Flu Facts defines it as “a highly contagious respiratory infection caused by the influenza viruses.  Symptoms include fever, chills, aches, drowsiness, coughing, sore throat, and sneezing.  There is often confusion as to whether someone has a “cold” or “flu.”  The biggest difference is the presence of a fever which last for 3-4 days for flu victims.

For most people, the flu will subside after a series of days, but for some, it is necessary to see a doctor.  As for treatment options, there really aren’t a lot, other than letting the virus run its course.  In some instances, a doctor can prescribe antivirals to lessen the symptoms.

There are a few really good websites that provide useful information on the flu.  Check out Flu Facts (they even have an iphone app), and Flu.gov.  They’re both very informative and interactive websites.  If you haven’t already had your flu shot, it’s a good idea to do so – before you get the flu.

This information brought to you by Chris Sheppard of Smith Buckley & Hunt Insurance Agency, your Massachusetts contractors insurance agent and Massachusetts business insurance resource.

Happy Thanksgiving

I wanted to take this opportunity to wish everyone a Happy Thanksgiving.  Thanksgiving is a time to spend with family, and give thanks to everything and everyone in our lives.  Of course, for a large percentage of our population, this Thanksgiving may not be as happy as others.

As a nation we continue to struggle with persistently high unemployment, a depressed economy, and home foreclosures, just to name a few.   For the people who have been negatively affected by the current state of things, it’s difficult to find “thanks” for anything.  That being said, there are still many things we can give thanks for, and that should be the focus of our thoughts on Thanksgiving –even if for just one day.

If you are looking for a local food pantry to support, check out the Massresources.org for a detailed listing.  Happy Thanksgiving to all.

This information brought to you by Chris Sheppard of Smith Buckley & Hunt Insurance Agency, your Massachusetts contractors insurance agent and Massachusetts business insurance resource.

 

Group Captive Insurance Programs

I’ve written in past blogs about group captive insurance programs.  Specifically, how, for the right company, they can be an excellent alternative to the “standard market.”  Group captives are in the “alternative market,” which happens to make up over 50% of the entire insurance marketplace, and within the alternative market, group captives are the fastest growing segment.

So, is a group captive for you?  For some companies, yes, and for some companies, no.   If you continually generate underwriting profit, and have formal processes in place to control losses, then it may be something to look at.  Typically, premiums are much less than the standard market and dividends can be significant (depending on how well you control your losses).

I recently did a video/interview on group captives.  We’re not in a hard market now, but pricing has been increasing, which usually makes a group captive look even better.  Premiums are based on your OWN 5 yr loss history.  Take a listen, and contact me should you want to learn more.

This information brought to you by Chris Sheppard of Smith Buckley & Hunt Insurance Agency, your Massachusetts contractors insurance agent and Massachusetts business insurance resource. Helping companies with group captive insurance.

The Role of a Supervisor in a Workers Comp Claim

There is a consensus that the supervisor has the greatest impact on getting an injured employee back to work after a workers compensation injury.

I recently did an interview/video on the role of a supervisor in a workers comp claim. 

This information brought to you by Chris Sheppard of Smith Buckley & Hunt Insurance Agency, your Massachusetts contractors insurance agent and Massachusetts business insurance resource.

Businesses Should Start Preparing for 2012 Winter Weather

Well, The National Oceanic Atmospheric Administration (NOAA) hasn’t exactly gone out on a limb with their 2012 prediction for winter weather in the Northeast.  Is there a better job on this planet than a weather forecaster?  You only have to be right about 50% of the time.

The Weather Chanel reports that NOAA “has given the Northeast and Mid – Atlantic an equal chance of seeing below, above, or near –average temperatures and precipitation this winter.”  They’ve certainly covered their bases.

Either way, I don’t have to remind you of the terrible winter we experienced here in the Northeast last year, and if the pre – Halloween snow is any indication, we may be in for another long winter.  The Insurance Institute for Business & Home Safety (IBHS) has a website that provides useful information on protecting homes and businesses against ice accumulation on roofs and other winter related perils.

Visit the IBHS website for further information.

This information brought to you by Chris Sheppard of Smith Buckley & Hunt Insurance Agency, your Massachusetts contractors insurance agent and Massachusetts business insurance resource.

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