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Find Out How Laughing Keeps your Stress Under Control

Learn how to keep your stress in check with laughter!

Stress is inevitable; it’s a normal part of life, especially in the workplace. With projects, deadlines, meetings and maintaining office dynamics, it’s easy for work to become a cesspool for stress. However, too much stress is detrimental to your health. It can cause serious health complications such as heart disease, obesity, sleep deprivation, anxiety, and depression. While there are many ways to help manage your stress, from exercise to meditation, perhaps one of the best medicines for stress is laughter. Check out how laughter can contribute to alleviating your stress and improve your overall health.

Increased Oxygen

When you laugh, you pull in more oxygen. The more oxygen your body has, the better able your muscles, heart, and lungs can function. As the body absorbs oxygen, your brain releases mood-boosting chemicals called endorphins, creating the feeling of happiness.

Reduces Tension

It’s no secret that stress is bad for your health. However, laughter can help you to relax and unwind. Just as laughing increases activity in your heart, muscles, and lungs, it helps to increase stimulation. The more circulation, the better able your muscles can relax, which reduces your stress.

Boosts Immune System

The more stressed you are, the weaker your immune system becomes. In fact, a pessimistic outlook on life has various ill effects on your health. Change your negative perspective for a more positive one. The more that you laugh, the more positive you become; so much so that your positive thinking can help to release neuropeptides that work to fight stress and illness.

When it comes to your workplace, it’s imperative to manage your stress. Get the relief that you need with a little laughter and the right health insurance. For assistance with employee health benefits, contact the professionals at Chambers & Company!

Insuring Your Home Business


Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment.

If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 coverage for business equipment, which is likely not enough to cover all of your property associated with your business. As a business, you will likely need coverage for liability and lost income. You put blood, sweat, and tears into your business so insuring it is important for its livelihood.

Regardless of what insurance policy you choose, you need professional liability insurance. Here are the three basic kinds of liability insurance you should consider — depending on the nature of your business.

  1. Homeowners Policy Endorsement

You may not need to take out an entirely different policy. A homeowners policy endorsement just adds protection to your already existing homeowners policy to double your standard coverage for business equipment like computers and printers.

  1. In-Home Business Policy

An in-home business policy provides more comprehensive coverage than the homeowners policy endorsement. In addition to the protection for your business, this policy could reimburse you for the loss of important papers and records. It may even pay for the income you lose if your home is so badly damaged from a covered peril that it forces you to temporarily pause your business.

  1. Business Owners Policy (BOP)

If your business is on the bigger side of things, as far as home businesses are concerned, then homeowners insurance policy and any add-ons won’t exactly cut it. It covers business property and equipment, loss of income, extra expenses, and liability—like the other policies, only on a much grander scale.

Whichever you choose is best for your business, it’s important to realize that not even your business is immune to dangers. Contact Chambers & Company, your independent insurance agency, to learn how you can safeguard your hard work with business insurance for your small business.

Healthy and Light Spring Recipe: Sugar Snap Pea and Carrot Soba Noodles

Healthy and Light Spring RecipeTry this healthy and light spring recipe in this bright season!

What better way to welcome spring in than with a healthy and vibrant recipe that is full of fresh produce? Put down the rubber gloves and mop – it’s time to celebrate spring with this recipe rather than daily spring cleaning!

The following recipe is as green as the fledging leaves sprouting from the trees outside! It contains more produce than noodles, which keeps it fresh and light.

Whip this one up today!

INGREDIENTS

Soba

  • 6 ounces soba noodles
  • 2 cups frozen organic edamame
  • 10 ounces (about 3 cups) sugar snap peas or snow peas
  • 6 medium-sized carrots, peeled
  • ½ cup chopped fresh cilantro (about 2 handfuls)
  • ¼ cup sesame seeds

Ginger-sesame sauce

  • ¼ cup reduced-sodium tamari or soy sauce
  • 2 tablespoons quality peanut oil or extra-virgin olive oil
  • 1 small lime, juiced
  • 1 tablespoon toasted sesame oil
  • 1 tablespoon honey or agave nectar
  • 1 tablespoon white miso*
  • 2 teaspoons freshly grated ginger
  • 1 teaspoon chili garlic sauce or sriracha

INSTRUCTIONS

  1. To prepare the vegetables: Roughly chop the peas and slice the carrots into long, thin strips with a julienne peeler.
  2. To make the sauce: whisk together the ingredients in a small bowl until emulsified. Set aside.
  3. Bring two big pots of water to a boil. In the meantime, toast the sesame seeds: Pour the sesame seeds into a small pan. Toast for about 4 to 5 minutes over medium-low heat, shaking the pan frequently to prevent burning, until the seeds are turning golden and starting to make popping noises.
  4. Once the pots of water are boiling: In one pot, cook the soba noodles just until al dente, according to package directions (probably about 5 minutes), then drain and briefly rinse under cool water. Cook the frozen edamame in the other pot until warmed through (about 4 to 6 minutes) but before draining, toss the halved peas into the boiling edamame water and cook for an additional 20 seconds. Drain.
  5. Combine the soba noodles, edamame, snap peas and carrots in a large serving bowl. Pour in the dressing and toss with salad servers. Toss in the chopped cilantro and toasted sesame seeds. Serve.

From Chambers & Company Insurance Brokers, we hope that you enjoyed this seasonal recipe! For all of your insurance needs in Camarillo and neighboring cities in California, don’t forget to give us a call to get started.

4 Herbal Remedies That Can Help to Lower Stress Levels!

Herbal Remedies That Can Help to Lower Stress LevelsBeat your stress and anxiety with these herbal remedies!

The saying goes, ‘stop and smell the roses’. Not only does this saying imply that we should never let life pass us by, but that there are actual benefits to many of the flowers and herbs found in nature as well. From aroma to ingestion, nature’s medicine cabinet is healthy, side effect-free, and effective!

Try these herbal remedies that can help to lower stress levels!

Ginger: Anxiety
Ginger can be found in many different forms such as raw root, capsule, and bread (gingerbread, anyone?) so it’s no surprise that this herb has multiple benefits. It has been known to combat physical symptoms of anxiety, like nausea and dizziness.

Chamomile: Insomnia
This herb alleviates symptoms of stress and anxiety as well as curing insomnia. The recommended intake of chamomile is through tea, and you can drink two or three cups on a daily basis.

St. John’s Wort: Restlessness
The use of St. John’s Wort is well-documented throughout history. This herb was used to treat mental disorders from mild anxiety to full-blown depression back in the day. Research shows that it’s more effective than Prozac when combating disorders revolving around depression, as well as treating restlessness and insomnia!

Lavender: Stress
There is a reason why so many massage parlors feature lavender in treatments: it helps the mind and body to relax! It balances your body’s hormones and stimulates the immune system. It’s best used as an essential oil but it can be used in tea! It can also reduce anxiety, insomnia, and depression.

Try these herbal remedies to promote your health and tackle your stress levels chemical-free!

From the professionals at Chambers & Company Insurance Brokers, we hope that you enjoy these remedies! To protect yourself and further minimize your stress, contact us in California for all of your insurance needs.

Peachy Keen Benefits of Peaches!

Benefits Of PeachesThese ripe and ready advantages of peaches will have you loading up on the fruits this week!

If you’re committed to a healthy lifestyle, you’ll be fully aware that an effective dietary plan is essential to maintaining good health! While you’re loading up on greens and root vegetables and cutting out meat, carbs, and sugar, choose to include peaches in your daily diet. Scientists have shown that they’re an excellent source of fiber as well as being high in antioxidants.

For more benefits of peaches, read on!

  • Effectively manages the nervous system – A peach can enhance your nervous system by lowering stress and anxiety levels.
  • Prevents the growth of cancer cells – The high phenolic and carotenoid content helps to prevent the development of cancer cells.
  • Reduces obesity – Peaches have been proven to effectively fight metabolism imbalance, thus minimizing diet disorders!
  • Aids the immune system – The ascorbic acid and zinc content in peaches helps to nurse your immune system back to its healthy condition.
  • Maintains healthy cholesterol limits – Compounds found in peaches help to lower LDL (harmful) cholesterol levels while promoting the HDL (good) cholesterol. This is vital in helping to maintain optimal cardiovascular health.
  • Counters the effects of aging – Not only do peaches counter the effects of aging, but they boost production of testosterone in the body and repair cells damaged by free radicals.
  • Promotes healthy skin – Experiments have shown that zeaxanthin and lutein help to repair and reconstruct inflamed skin caused by harmful UV rays.

Don’t you want to start adding peaches to your plate now? To keep your health in check, be sure to pick up a few of these heart-healthy fruits!

As you keep your body healthy, we can help keep your finances healthy. To protect your finances on all accounts, contact Chambers & Company Insurance Brokers in California for all of your insurance needs.

Different Types of Property Coverage for Your Business

Types of Property CoverageCommercial insurance is broad and there are many different policies. What is best for your business?

Business owners may be overwhelmed when deciding on a policy that suits their company, assets, and financial future! Fortunately, we’ve compiled a handy-dandy list that provides an overview of the coverages available to businesses.

Commercial Property Insurance: As the most common form of commercial property policy, this typically covers buildings, production machinery, office equipment, furniture, and stock. The policy is fairly flexible and can be adapted to meet the needs of your business.

Businessowners Policy: A businessowners policy is a type of package policy designed for small and medium-sized businesses, and covers commercial property and general liability coverages. It can also include business income, extra expense, and various crime coverages.

Inland Marine Insurance: Commercial property and BOP policies cover property situated at the premises described in the declarations, typically away from the businesses premises. This coverage is designed to protect movable property.

Builders Risk Insurance: This insurance covers a building in the course of construction, beginning when construction starts and ending when the project is completed so that your building is protected throughout every stage.

Crime Insurance: Including employee theft coverage, computer fraud coverage, and money and securities coverage, this policy is designed to protect against losses.

Are you ready to receive quality and all-encompassing insurance for your business in California? Don’t get dumbfounded by the different types of property coverage for your business. Contact Chambers & Company Insurance Brokers as our expert California agents know the risks of each business, and can take steps to safeguard your company.

What You Need Before You File Your Taxes

What You Need Before You File Your TaxesWhether you love it or hate it, here’s what you need before you file your taxes!

Tax season is not the most loved time of year, but tax preparation is non-negotiable. If you opt to see a tax professional or you decide that you’re good with numbers and can tackle it yourself, being prepared is imperative.

From gathering key documents to identifying deductible expenses, here’s everything you need!

Gather:

  • Last year’s tax return – To file your tax return, your new tax accountant will need to see your previous return as you may qualify for some of the same deductibles or write-offs that you received from last year.
  • Wages statement – You should receive a W-2 from your employer outlining what you earned and paid in taxes for the year. If you’re self-employed or do freelance work, you should’ve received 1099 forms for income over a certain threshold.
  • Interest and dividend income – This includes 1099 forms reporting interest and dividend income for any bank or brokerage firm that you have accounts with now or within the prior year.

Identify deductible expenses:

When you take a deduction, it reduced the amount of income you have to be taxed on. Here’s a list of some expenses that you may be able to deduct:

  • Mortgage or home interest paid (Form 1098)
  • Real estate and personal property taxes paid
  • Charitable contributions
  • Student loan interest
  • Tuition and education fees
  • IRA contributions

In addition to to preparing your paperwork, have your logins, passwords, and thoughtful questions ready!

To take care of your financial future, contact Chambers & Company Insurance Brokers for all of your insurance needs today! Serving California with quality insurance, our dedicated professionals work to provide you with suitable and affordable coverage.

How Does Workers’ Compensation in California Operate?

Workers’ Compensation in CaliforniaWorkers’ Compensation in California is a legal requirement!

If you’re a business owner in California, you’ll likely be overwhelmed with insurance policies that you might need. From protecting your building to your employees, everything should be covered so that you can focus on excelling at your business.

An insurance coverage that is non-negotiable is workers’ compensation insurance. California law requires employers to have workers’ compensation if they have even one employee. What’s more, out-of-state employers may need workers’ compensation coverage if an employee is regularly employed in California or a contract of employment is entered.

Workers’ Compensation 101
In an employee gets hurt on the job, the employer is required by law to pay for workers’ compensation benefits. Whether you get hurt by one event at work, such as falling on a wet floor to getting into a car accident while making deliveries, or repeated exposures at work such as repetitive-motion injuries, the employer can be held responsible.

Employee Protection
Workers’ compensation insurance is part of your cost of doing business, therefore no employee must help pay for the policy. In California, you must post the “notice to employees” poster at work where employees will be able to see it. This poster details information about workers’ compensation coverage and where to get medical care for work injuries. For California-specific requirements, view the California Labor Code. Should the employer not put up this poster, the company could face a penalty of up to $7,000 per violation.

Fall Into Your Safety Net
If your employee gets sick or injured on the job, you must:

  • Provide a workers’ compensation claim for to them within one working day after the work-related injury or illness is reported.
  • Return a copy of the completed form to the employee within one working day of the receipt.
  • Forward the claim form and your report of occupational injury or illness to the claims administrator within one working day.
  • Within one working day of receiving the employee’s claim, authorize up to $10,000 in appropriate medical treatment.
  • Provide transitional work (light duty) whenever appropriate.
  • If the employee is the victim of a crime that happened at work, you must give notice of workers’ compensation eligibility within one working day of the crime.

To prevent your employees getting hurt at work, be sure to follow proper safety procedures and supply them with safety tools or education. In addition to protecting your employees, safeguard your business with quality workers’ compensation insurance. For your policy in California, contact Chambers & Company Insurance Brokers today!

Smart Steps for Safe Shopping Online

Smart Steps for Safe Shopping OnlineIf you’re an e-shopper, you’ll want to know how to buy safely online.

Do you bargain hunt on your tablet? Or get deals sent straight to your smartphone to purchase right away? E-commerce has made our shopping easier, both to our detriment and our pleasure.

The benefits include a quick and easy transaction, finding exactly what we want, and tracking the package’s every move! While the benefits are plentiful, mobile and online shopping can open the door to fraudulent activity that can quickly end in tears.

To ensure that your e-commerce experiences are satisfactory, use these smart steps for safe shopping online!

  • No phishing allowed: Be on the lookout for phishing scams! Ignore and delete any emails and texts that claim they need personal information to complete a transaction.
  • Know your merchant: Only shop at well-respected and reputable retailers. Not only could you be scammed out of a sum of money, but you may never get the item or it could be fake. To see if the retailer is secure, you should see https:// instead of http://.
  • Avoid Wi-Fi: Be careful when using public Wi-Fi to make a purchase via smartphone or other devices as many public networks are not protected with encryption.
  • Keep confirmations: Print out the confirmation page and/or retain the email after making an online purchase.
  • React quickly: If you suspect a fraudulent transaction or an attempt on your credit card account, contact your credit card provider immediately.

Keeping safe online means that you can enjoy your purchases and a bright financial future! To protect your finances down the road, ensure that you have a secure insurance safety net to fall back on. Contact Chambers & Company Insurance Brokers today for your insurance policies in California.