July Live Well, Work Well Newsletter

The Live Well, Work Well newsletter is an employee newsletter that is produced monthly and covers topics like health, wellness, fitness, nutrition and personal finance. This month’s newsletter lists important camping safety tips, provides information on sunscreen and explains how wearable technology can benefit your health. Browse the July Live Well, Work Well newsletter here. Learn more about camping safety tips, sunscreen, and wearable technology by watching this video.

Stay up to date on topics that are important to you on our blog page. We are here to help no matter what. To speak with a member of the Conrey Team, Call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Summer Safety Tips

This colorful infographic outlines important safety tips to keep in mind to stay safe during the summer. Whether you are having a relaxing day at home, a fun time at the beach, or any other great summer activity these tips will help you have safe summer fun.

At Conrey Insurance we want to insure that you have a fun but safe Summer. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

Using Fireworks Safely

Celebrate our nation’s birthday without injuries. Remember these safety tips to have a fun, safe celebration with fireworks. Firework’s safety is important on every street across America and with these tips you can be the expert on your own.

At Conrey Insurance we want to insure that you know what the risks are of using fireworks and make sure you have a safe 4th of July. To speak with a member of the Conrey Team, call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

June Live Well, Work Well Newsletter

The Live Well, Work Well newsletter is an employee newsletter that is produced monthly and covers topics like health, wellness, fitness, nutrition and personal finance. This month’s newsletter explains how to fuel your workout the right way, provides summer picnic safety tips and discusses a new superbug fungus. Browse the June Live Well, Work Well newsletter here. Learn more about how you can fuel your workout and summer picnic safety tips with this brief video.

Stay up to date on topics that are important to you on our blog page. We are here to help no matter what. To speak with a member of the Conrey Team, Call (877) 450-1872 or contact us and experience The Conrey Difference for yourself.

You may think as long as you are covered you are good, but what about your suppliers?

If a company’s supplier’s business is on hold that can affect your business drastically. See how to prevent a loss in revenue during those times, and how to best prepare for different outcomes.

If you have any questions please feel free to reach out as always. For more information read the article here.

Making a Flood Claim

Unsure of what to do in case of a flood? Flood insurance is there to help you recover and rebuild your business or property, you need to know how to make a claim so that you can get all of the coverage you can as soon as possible. This article will help you with a step by step process on how to make a claim, read it here.

Want more interesting content? Check out our blog page. Have any questions? Want to check up on your business insurance?  We’re here to help no matter what your needs- to speak with a member of the Conrey Team, call (877)-450-1872 or contact us and experience the Conrey Difference for yourself.

 

California Minimum Wage Increase

With a new year come new laws or updates to current ones. One of these updated laws is a minimum wage increase in the state of California. The increase impacts both large and small businesses. The uptick in wages is part of the SB 3 legislation signed in 2016. With one of the highest populations in the country and most expensive housing markets, the bill was signed to help one of the largest communities of working poor in the United States to achieve a living wage. Own or manage a business? Are you thinking about starting a business? Read all about the California minimum wage laws here.

Want more interesting content? Check out our blog page. Have any questions? Want to check up on your business insurance?  We’re here to help no matter what your needs- to speak with a member of the Conrey Team, call (877)-450-1872 or contact us and experience the Conrey Difference for yourself.

 

Planning for Healthcare in Retirement

Rising healthcare costs, as well as the burden they may place on your children when you’re retired, are a growing concern. Fortunately, you have options. Exploring them begins by developing a realistic view of your likely future needs.

What are the odds?

While the odds of winning a multimillion-dollar lottery jackpot are millions to one, the odds of incurring expenses for your physical or mental care in retirement are 7 out of 10. As a couple, the likelihood rises to 9 out of 10 that at least one of you will incur these expenses. Financially speaking, these odds aren’t in your favor. But with proper planning, you can manage the risks and help improve your chances of a better outcome.

How much should I budget?

How much will you need to budget for your care in retirement? Take a look at this helpful resource link to learn about the cost of care in different parts of the country. It tells you county by county in each state how much it will cost for different types of care and facilities. It also has a slider that lets you calculate projected financial costs up to 30years in the future.

How could a need for care impact my family?

When a family member needs long-term care, the emotional and tangible costs are different for everyone. Click here to learn about the experiences of someone who has experienced these costs first-hand. This video shares a real-life example of a small-business owner and how the need for long-term care has impacted her business and her overall lifestyle.

Who can explain my options?

We know that planning for future healthcare needs can be bewildering. We’re here to help. At Conrey Insurance Brokers, our risk managers have access to a wide variety of resources. We’ll learn what’s important to you and tailor a plan around your personal needs and priorities. By identifying, assessing, and helping relieve you of most of the risks involved, we can help you provide your family with peace of mind for the future. The earlier you get started, the better. Acting today has many benefits, so it doesn’t pay to wait.

We’ve been helping people address the risks of long-term healthcare needs for many years. Let us help make a difference in your life so that you make a difference for your entire family. Check out our Long-Term Care section here, call us at 1-877-450-1872 or contact us here, and experience The Conrey Difference for yourself!

Michael A. Mazza is the Financial Services Representative at Conrey Insurance Brokers and Risk Managers. Michael makes a difference by helping people with their retirement goals and protects what matters most to them. You can learn more about Michael here.

Let’s Commemorate National America Recycles Day by Improving Our Recycle Habits

November 15th is National America Recycles Day in association with Keep America Beautiful. The goal of this day is to learn what materials are recyclable in your community, reduce waste, buy products made from recycled materials and share with friends and family the positive effects of recycling. You can take the pledge here.

Currently, the national recycling rate is only 34%. Americans throw away over 200 million tons of trash each year. It is estimated that 75% of the trash that Americans throw away is actually recyclable. Did you know that a glass bottle can go from curb to store shelf in about a month, yet we toss enough glass bottles in the trash every year to fill up a line of semi-trucks from Los Angeles to New York City, and back, every year?1  According to Statista, America produced 262.4 million tons of municipal solid waste in 2015. Of that 67.8 million tons were recycled. Unfortunately, this means about 195 million pounds of waste was still destined for landfills.2 ­

Many items are thought to be recyclable but are actually not. Here are a few:

Disposable coffee cups: These cups are lined with a liquid-proof polyethylene which is difficult and expensive to separate from the recyclable cup.

Pizza box: These may or may not be recyclable depending on the oil and grease content. If there is a minor amount it should be okay, however, if the cardboard is completely saturated it is no good. The oil and grease go into the cardboard and belongs in the trash. But, check the top of the pizza box. Clean lids can be placed in the recycle bin!

Plastics with oil or vinegar: Many plastics are stamped with a recycle imprint on them, but if they are filled with oil or vinegar they are no longer good to go in the recycle bin. This is usually the case for pre-packaged salads or other meals. If, however, you are able to rinse out the food residue it can be saved!

There are several unique items that are created using recycled goods. These include:

Asphalt: Some asphalt companies are grinding up discarded roofing shingles. Also, glass bottles can be used as the reflective markers lining roads.

Plastic bottles: These bottles can be used to make a wide array of new products including t-shirts, jackets, sleeping bags, playground equipment, park benches, lawn furniture and many other items.

Paper Products: Things like newspaper and copy paper can become cat litter, building insulation, sheetrock, toilet paper, and facial tissues.

Electronic recycling is even more critical. Electronic waste represents about 2% of America’s trash in landfills, yet is responsible for about 70% of toxic waste according to Dosomething.org.3 According to the EPA, electronic waste is the fastest growing municipal waste stream in the United States.3 Properly disposing of e-waste helps prevent lead and other toxic compounds contaminating our landfills and groundwater.  Most electronics encompass many different precious metals. Americans alone toss out over $60 million worth of gold and silver in electronics every year.3 Many local businesses sponsor free electronic waste drop-off events.

If we all pitch in a little we can make a huge impact.

At Conrey Insurance Brokers and Risk Managers, we strive to help make the world a better place by informing you of topics that are important to us all. That’s the Conrey difference. If you have questions about coverage, we’re always here to help. Call us at 1-877-450-1872 or contact us here, and experience The Conrey Difference for yourself!

 

  1. https://www.dosomething.org/us/facts/11-facts-about-recycling
  2. https://www.statista.com/statistics/193923/recycling-of-us-municipal-solid-waste-since-1960/
  3. https://www.dosomething.org/us/facts/11-facts-about-e-waste

Protecting Holiday Packages From Theft: An Easy Guide

As online holiday shopping continues to increase in popularity, it should be no surprise that package thefts are on the rise. For thieves, stealing a package often involves less risk than shoplifting and the packages themselves often contain a number of valuable items that are prime for resale. As the holidays approach, the number of these packages grows exponentially leaving thieves salivating at the easy and numerous pickings. If you are planning on ordering off of websites such as Amazon, there are several steps you can take to minimize damages and avoid the heartbreak and stress of losing a package to theft.

Utilize Special Delivery Instructions

Many online retailers will have a place to add special delivery instructions. In this area, consider putting clear instructions detailing a safe, hidden place to leave packages. This can be somewhere off to the side of the house, in some densely clustered bushes, or over a fence of some sort. Very few thieves will go looking for packages, especially when neighbors may have theirs readily visible and easy to take.

Require a Signature

Consider marking the package as requiring a signature so that the delivery is given to a trusted person. If you are close with your neighbors, you may consider asking them to sign for you and hold the package if you are not home.

Choose a Delivery Date/Place Strategically

In the age of two-day shipping, it may seem as though sooner is better. However, there are often different shipping options that can be chosen at checkout. Consider choosing a day that you or another family member will be home or have them delivered to your place of work. Alternatively, you can ask for packages to be held at your local post office or delivered to the house of a trusted family member or friend until it is convenient for you to retrieve them. Choosing these options will keep packages from being out in the open for any period of time.

Security Devices: For Packages and More

Lately, home security has become easier than ever with many affordable camera services. These security measures can record video evidence or deter thieves from taking a package, even if it does end up placed on your porch. Options like the Ring doorbell system will alert you of people approaching your door via your phone and even allow you to talk to visitors.

Insurance from the Carrier

Finally, you may want to check and see what insurance is available from the carrier. Many carriers insure items that cost $100 or less. For more expensive packages, you may be able to buy more insurance from the carrier. Be sure to check and see what packages and to what extent they are covered.

If Package Theft Occurs

You can file a credit card dispute with the sender (if it is a big company like Amazon) and they will take care of the issue from their end since they are the ones utilizing the mail service. If the package was sent by a relative, you will need to make a claim of theft.

From all of us here at Conrey Insurance Brokers, we want you to have happy and safe holidays; that’s why we encourage everyone to take proper precautions during this season. We hope that you’ll keep these tips in mind when ordering presents online. Additionally, now is a good time to brush up on homeowner’s insurance or consider an umbrella policy. These policies may compensate in cases of theft allowing you to be reimbursed for the content of your packages. For more information, schedule an appointment. We’ll be happy to review your policy; whether it’s with us or another insurance brokerage.

Call us at 1-877-450-1872 or contact us here, and experience The Conrey Difference for yourself.