Tag Archive for: Chambers & Company Insurance

Stress Less With a Simple Lifestyle

Stress Less with a Simple Lifestyle

A simple lifestyle can help you stress less in the New Year.

It’s hard to believe, but we’re already a month into 2016! That means you probably have a pretty good idea of how you’re going to do with your New Year’s resolutions. For some of them, you just need some self-discipline to keep, but others might be a little trickier. If you’re trying to cut out stress, you might be at a loss. We can help! If you want to stress less in the year ahead, consider implementing a simple lifestyle.

A simple lifestyle is exactly what it sounds like. You cut out the clutter, both physically and mentally. That might mean shrinking your closet to a reasonable size or turning off the TV so you’re not living in a state of constant distraction. Minimizing your stuff, and easy entertainment can also help you minimize your stress.

Living simply will help you unplug. When you don’t have the habit of turning on your TV or logging into your social media, your brain isn’t constantly overstimulated. That pesky blue light is causing some serious damage! Turing off electronics makes it easier for you to rest, and rest is crucial in fighting stress.

Having less to stimulate you will also leave you looking for ways to amuse yourself. For a lot of people, this leads to creative pursuits. Instead of flipping through your phone, you might find yourself painting, learning guitar, or tackling that hike you’ve always wanted to finish. Then, when life gets stressful, you can turn to this creative outlet to blow off steam in a healthy and productive way!

Could simplifying your life help you be less stressed in 2016? Why not try it and find out!

Another great way to stress less is to make sure you have the right Insurance coverage to protect you from life’s what-ifs. To get the commercial and personal insurance you need, contact Chambers & Company Insurance Brokers today.

Effective Retail Risk Management Strategies You Should Be Using

Retail Risk Management Strategies You Should Be Using

Risk management in the retail business – Implement these strategies to reduce the risk

Recent breaches at major retailers have highlighted the risks that businesses in the retail industry face. In fact, a recent Verizon report reveals that retail makes the list of top five industries with the most data breaches. This explains how important risk management in the retail business is. We want to help you protect your retail business physically and digitally, so we’re offering these retail risk management strategies.

  • Equip your employees. Make sure you have people on the ground who know the risks facing your business and how to mitigate them. For example, if your store is in a high-theft area, it’s wise to hire a security guard who will focus on eliminating that issue. Then, empower every member of your team to take steps to slash your risk—from monitoring exits to checking IDs with credit or debit purchases to verifying currency.
  • Keep records. As liability claims are increasing year after year, your business needs to consider that it could be held liable for an injury in its store. Take steps to minimize hazards (e.g. having someone walk through at certain times of day to look for tripping or slipping hazards) and keep thorough records on those steps. These steps will save you if you are taken to court!
  • Stay up-to-date digitally. Routinely evaluate and update your software so you can patch any vulnerabilities. While updating, opt for two-factor authentication and take note of any abnormalities in administrative access.

We hope that these effective strategies will help you with risk management in the retail business. That’s why we offer top-tier commercial insurance to our retail clients. Contact the dedicated California agents at Chambers & Company Insurance Brokers to get the right commercial policies to manage your retail business’ risk.

Your Social Media Risk Management Might Need Some Work

Social Media Risk Management

Your business needs to think about managing its social media risk in our internet-focused era. 

In our digital age, if your business isn’t on social media, it could severely damage your public relations and marketing. Social media makes it possible for you to tell the world what you’re about, and Millennials (who will make up the bulk of your client base in the not-too-distant future) want to be able to check you out online.

The problem is that although social media is important, it can also be risky. If you want to leverage social media for your business with as few issues as possible, you need to consider risk management. If you don’t, you could see sensitive information accidentally be posted to your social media profiles, violate privacy or content ownership laws, or just plainly waste time and energy on your social media postings. The best way to protect your business is to think carefully about your social media governance.

First, get clear on who owns social media at your company–and the risks that come with it. This could be your PR team, your marketing team, your customer relations team, or some combination of those groups. Make sure everyone is on the same page about what you do–and don’t–want your social media team to put out to the public.

Adopt a company policy that offers your employees social media guidelines. It should include information on regulations with which they need to comply (e.g. data privacy), and goals-paired with measurable metrics.

On top of your governance, you need to think about carrying the proper commercial insurance to protect your business against social media risks. To get the right policies for your business’ digital presence in the modern age, contact Chambers & Company Insurance Brokers. Our expert California agents know the risks associated with having a digital presence, and can take steps to safeguard your business.

Use These Safety Tips During Teen Driving Awareness Month

Teen Driving Safety Tips & Auto Insurance CA

January is Teen Driving Awareness Month. Use it to implement these safety tips with your teen.

Your teen getting their license is a blessing, and a curse. On one hand, you just freed yourself from the carpool rotation and those late-night pickups. On the other hand, you’re probably going to spend some time worrying about your new driver on the road. Fortunately, you can take steps to ensure your teen is as safe as possible. January is Teen Driving Awareness Month, making it the perfect time to go over these safety tips with your teen!

  • Practice. One of the best ways you can ensure your teen practices safe driving habits is to be involved in the early phases of his or her driving. By being there as your teen forms habits behind the wheel, you can nip those that are risky in the bud.
  • Have a ruling on phones. Calling and texting while driving is extremely dangerous. 16 percent of drivers under 20 who get into fatal accidents were distracted at the time of the accident, so it’s important you make a strict rule about phone usage. There are a number of apps that will reward your teen for avoiding the phone while in the driver’s seat, and they’re well worth looking into.
  • Set an example. If you’re wondering where your teen picked up that bad driving habit, you might just need to look in the mirror. Most new drivers’ habits are shaped by people they’ve watched drive, so be sure you’re modeling safe driving.

Once you’re ready to release your teen onto the roads, don’t wait to call your insurance agent. You can protect your family against the financial burden of an accident caused by your inexperienced driver by updating your California auto insurance. To make sure your entire family is properly covered, contact Chambers & Company Insurance Brokers.

How To: Cut Your Risk of Public Liability Claim

Reduce Your Public Liability Claim Risk CA

Are you doing what you can to reduce your risk of facing a public liability claim?

As a business owner, you’ve got a lot on your plate. Between managing day-to-day operations, preserving your bottom line, and supporting your team, you probably find yourself very busy from the moment you step into the office. The last thing you need, then, is another to-do. A public liability claim will not only make you busier, it can also be a serious headache and even become downright financially devastating. Protect your business and the hard work you’ve invested in it! Use these steps to reduce your risk of facing a public liability claim.

Step up your safety.

Slip and fall claims are the most common type of public liability claims. They’re also very avoidable. While putting good safety procedures in place may not feel like it should be your top priority, it’s one of the most important non-revenue earning things you can do. Look at hazards facing your business–from wet walkways to dangerous equipment–and take steps to safeguard against them.

Address incidents.

If there is an accident on your property, deal with it right away. Document the scene, gather statements from the people involved, and do what you can to make immediate reparations. Showing that you care about the incident right when it happens can save you a lawsuit down the road.

Get covered.

We can’t say enough about how important it is that your business carry good liability insurance. Liability coverage isn’t a one-size-fits-all, so take the time to meet with a dedicated insurance agent. They will be able to assess your unique business and provide policies that cover its unique exposures.

This guide will help you slash your risk of facing a public liability claim, but accidents do happen. Having the right liability coverage in place can mean the difference between having a claim being a minor hiccup, or becoming a major catastrophe. To ensure your California business has the commercial insurance it needs, contact Chambers & Company Insurance Brokers today. Our expert team is here to make sure your business has the right types of protection in place.