“Positive Self-talk Can Benefit Your Health and Help You Cope With What Life Throws At You”

presidio group insurance

Nov/11/2020

”Positive Self-talk Can Benefit Your Health and Help You Cope With What Life Throws At You”

As many of us, continue through this year thinking we cannot wait to start a new year or thinking about the up rise in COVID cases. The uncertainty of things, all of these things can give us all negative thoughts. Before we know it, our mind wonders into negative self-talk. Am I going to catch COVID, is my job at jeopardy? Am I doing enough? How am I going to juggle work, kids, life?
 
Self-talk can be both positive and destructive to your actions. Some might ask what is self-talk. After doing further research and some digging according to PsycholgoyToday.com, many people are conscious of an inner voice that provides a running monologue in their lives throughout the day. The inner voice, which is also known as self-talk, combines conscious thoughts and unconscious beliefs and biases. It helps the brain interpret and process daily experiences.
As you can see self-talk can have a huge impact on our daily lives, actions, the way we think about things, and the way we think about ourselves. It can also affect what we think we are capable or not capable of. Naturally, we are prone to negative self-talk, such as making up assertions like, “I can’t do anything right,” “I don’t have enough time for anything” or “I am not good enough. The list goes as to what negative self-talk we can think of in our heads.
So how do we even begin to turn that negative self-talk into constructive positive self-talk.
 
Positive thinking and optimism can be an effective stress management tool. Most of us know that with a positive outlook on life it can bring more healthy benefits. We stress less, we do not over think things, and we are more open to ideas, handling changes, managing what life throws at us in a more constructive way.
 
Here are some health benefits as to why positive self-talk is important to our health:
  • increased vitality
  • greater life satisfaction
  • improved immune function
  • reduced pain
  • better cardiovascular health
  • better physical well-being
  • reduced risk for death
  • less stress and distress
Learning to shift and change that inner dialogue is the first step to helping yourself improve your health and become more of a positive person. Understand this does not happen overnight. We all have different personalities and have difference of opinions, and thoughts. What we can do is start thinking of certain scenarios. Recognizing some of your own negative self-talk. Recognizing when you think about the negative or you hear yourself being negative just began flipping it to the opposite. Flip it to thinking positive.
 
For example,
 
Negative: I will end up embarrassing myself if I try this.
 
Positive: I tried something new and was able to learn from it even if it did not work out.
 
Negative: I let my co-workers down because I was unable to attend the meeting.
 
Positive: I needed to complete a work task and now I can focus on the meeting agenda.
 
Negative: I will disappoint my friends if I change my mind.
 
Positive: It is ok to say no. Others will understand.
These scenarios are examples of when and how you can turn negative self-talk into positive self-talk. Again, it takes practice. Forming a new habit such as this takes time and effort. Over time, your thoughts will began to shift to more positive. Soon it will be more normal for you to have thoughts that are more positive and you will then begin having more positive self-talk. Continue to evaluate your self-talk. As we know, humor can also be a stress reliever as well as relieve that tension. When you need to push for positive self-talk, find ways to laugh. Call a longtime friend or watch a funny movie.
 
Most importantly, give yourself positive affirmations. Sometimes just seeing positive words or inspiring images can be enough to redirect your thoughts. Again, self-talk in general can be great to your general health. Research suggests repeatedly that people with positive self-talk may have mental skills that allow them to solve problems, think differently, and be more efficient at coping with hardships or challenges. This again can reduce the harmful effects of stress, anxiety, coping, and so much more. Why wait for a new year to come. Start thinking about all the positive things around you now.

Julie Valdez

Get a quote

Or call 630.513.6600

Six+ Million Households & Property Owners Could Be Underestimating Their Flood Risk

Tuesday November 10th, 2020

Six+ Million Households & Property Owners Could Be Underestimating Their Flood Risk

Flooding remains a major natural disaster risk in the United States. Statistics show that in 2019, floods caused a total of 3.75 BILLION DOLLARS’ WORTH OF DAMAGE to property and crops across the United States. A nonprofit research and technology group recently released A REPORT with flood risk data for more than 142 million homes and properties across the United States. In contrast to FEMA’s classification of 8.7 million properties having substantial risk (or within Special Flood Hazard Areas), the report identified 14.6 million total properties with the same level of risk.

According to the insurance professionals at Acrisure’s Agency Partners, we believe that this disparity points to a worrisome trend: more than 6 million households and property owners could be underestimating or unaware of the extent of their flood risks. Most homeowners’ insurance policies exclude flooding coverage, which can lead to financial issues in rebuilding efforts after a disaster. Properties in high-risk areas face a 26% chance of experiencing a flood, which is comparably higher than fire risks.

While high-level investors once purchased exclusive flood risk assessments from for-profit agencies, the public now has full access to the same insights via newly available reports as well as data-savvy brokers. We believe this development will truly level the playing field for home and business owners seeking the best means of securing flood insurance for their valuable assets.

Property and business owners should seek a trusted insurance advisor that can recommend the right insurance coverage according to the most transparent and comprehensive flood risk assessment methods. Presidio can help navigate the most beneficial solution according to your home’s or business’s detailed flood risk data.

We believe in applying the most innovative tools and information in helping safeguard the interests of their clients. Additionally, we can advise property owners on every aspect of various flood insurance policies, such as coverage terms and conditions.

For home and business owners, there is much to consider when deciding the right flood insurance protection. Let Presidio analyze your unique situation and share important considerations when opting for National Flood Insurance Program (NFIP) coverage or protection. For example, did you know that NFIP does not cover a homeowner’s cost of flood damage to basements and pool equipment, or living expenses in the event of displacement caused by a flood? If this type of protection matters to you, let Presidio discuss the private flood insurance options available to provide homeowners and businesses with this and other coverages at an affordable cost.

Here at Presidio we also offer alternate policies that provide coverage for primary structures, belongings, and annexed buildings like detached garages. While NFIP and private flood insurance rate premiums according to flood zones, private insurance coverages can draw on more accurate data than FEMA. Additionally, private flood insurance can offer greater coverage limits than government-issued NFIP policies, making them an ideal choice for high-value properties.

Presidio can help you achieve maximum flood insurance protection for your precious properties to help give you peace of mind year-round. Speak with one of our dedicated team members to discuss these findings and learn how you can secure the right flood insurance coverage immediately.

Get a quote

Or call 630.513.6600

Why Presidio For Your Insurance Needs

presidio group insurance
Tuesday November 10th, 2020

Why Presidio For Your Insurance Needs

As a business that first started from the ground up, we understand and know firsthand you have a lot on your plate. We know as a company that has had years of building, connecting, staffing, building relationships with clients, and making sure employees are first. We know having a business is an overwhelming experience.
 
Now put a Pandemic on top of all of that and include what is going on personally with the way everything is changing as well as professionally. Everyone’s plate is overflowing.
So why take on another task when you can have Presidio find you the best insurance and do all the work for you.
Finding insurance will be the most important aspect of your business. It is important not to let anything slip through the cracks. Business insurance is very important and needs immediate attention. Let Presidio answer all the questions you may have as well as finding you the most cost effective insurance for you or your business.
During this difficult time, we have seen many businesses afraid, worried, nervous about income loss, and even having their business looted and everything that comes with that. We are here to not only help you during these difficult times but also offer our support and help you find the best way to protect you during any circumstance.
The whole concept of insurance is to cover yourself, or your family and business financially against instances that you would not otherwise afford to cover. We all know that recently we have had many unforeseen circumstances. A question that you may have starting out is, “How will insurance help your business”.
  • Insurance covers you against financial risk of being found liable for causing injury loss, or damage to a third party or their belongings while on your property.
  • Insurance can help cover you against claims and legal costs that may arise.
  • Now with valuable data being online you also have to protect your important documentation, employee information, client and customer’s information etc.
  • Depending on the size of your company and the number of employees you hire, you may consider income insurance, business interruption, and/or personal accident insurance.
  • Most importantly, making sure you are protected for something that you have worked so hard for.
We understand that there many choices to choose from and the insurance process can be very overwhelming. Working with one of our brokers will help you figure out what is best for you. Choosing insurance is just as important as the person you work with to help find the right coverage.
What makes Presidio different? The difference is we know from experience, knowledge, and have learned from our own mistakes with running a business that there is no one size-fits-all when it comes to insurance. We know and understand every business has different requirements, factors, and all are ever changing no matter what industry. We are here to learn about you and your business. Just like Presidio, we are proud of the business, friendships, and family we have built.
It is important for you to take the time to evaluate your business and what those risk factors may be and then call us to speak to a broker to find you the best solution. We are human like you, and we will treat you as we do our own employees, like family.
 
Our Promise is your Protection.

Get a quote

Or call 630.513.6600

presidio group insurance

We Were Never Be Prepared For eLearning Nationwide But Here It Goes / Tips for E Learning

presidio group insurance

11/9/2020

We Were Never Be Prepared For eLearning Nationwide But Here It Goes / Tips for E Learning

The sudden closure of schools across the U.S. due to COVID-19 has changed the lives of many families with school-aged children. Children are being asked to learn from home, expected to send assignments online, and Zoom with their teachers and classmates, all while parents are still having to cope with day to day life.
For many, this will be a new experience. It is not easy to convert homes into classrooms. Just doing a few things to make you and your children comfortable and focused is all that matters. You do what works best for your family.
 
Here are ten tips to prepare you and your child for online learning at home while keeping a little of your sanity.
1. Create space just for your child.
A few things to factor in is, what area of your home has fewer distractions for your child. If you are a parent working from home are you able to be near them just in case they need that extra hand. In addition, is the area clutter-free? Just think about your own workspace as a parent. If you have a messy area with papers everywhere, you can feel a bit overwhelmed. Just imagine how this can make a five-year-old feel. Creating that necessary space for your child will help them focus, and process things much easier while also staying engaged on their Zoom class meeting.
2. Make a schedule and stick to it.
Look at your family schedule and create one for your child. A schedule that you know you and your child will stick too. With no school bell to mark kids tardy, they might feel like sleeping in. With no set schedule, kids might never get around to schoolwork. Finding time for learning requires planning. Look at your family’s schedule and figure out the best times for each activity. If your child’s teacher came up with a schedule for them even better. Just make sure it is visible around your child’s workspace so that they know what is expected.
 
3. Communicate
Keep communicating with the school and your child’s teacher if you have any questions. I am sure you are feeling like they are being bombarded with questions and responses. It is okay to ask any questions you may have. On the other hand let your child email them if they happen to have any questions. Taking this time to help your child learn a new way to communicate might be helpful. I am sure we never thought we would be teaching our 5 years old how to write an email!
 
4. Reduce distractions.
Eliminating distractions can be difficult for many. Distractions are all around and even more so at home. If your child has siblings, I am sure they can be a distraction. If your child has a T.V. close to their workspace that could potentially be a distraction. Your pet if you have one, video games, IPad, Social Media, we have many distractions at home. Talk with your child to help come up with solutions. Or you can begin your first week of eLearning and find what distractions your child might be having then try to work through them. If your dog is a distraction, maybe place the dog with you in your office or away from your child. If your child is getting distracted by, the games on the IPad turn off the Wi-Fi during a certain part of the day. Of course, one that is convenient for the whole family. Perhaps at dinnertime or in the evening. Do what works best for your family.
 
5. Use a calendar and color-code it.
Setting up a system to help your child with dates and deadlines will help. Even those children with special needs. Setting up a color-coded calendar will help your child see visually what will occur and what is expected when it comes to school and handing things in. When a child can visually see what needs to be done it will help them better understand what is expected of them. Let your child help you create the calendar or use your child’s favorite colors. This might be a fun activity for them.
6. Get your child moving.
As a child, do you remember having to get up and shake out all the wiggles at school? Your child moving around and giving them plenty of exercise will help them focus and stay engaged while on Zoom. We have access to so much on the internet you can choose from so many different activities. Find a kids yoga to do together, play some music from your phone and dance, go for a quick bike ride around the block, play tag for a bit. The list goes on. We should not expect our children to sit all day. Physical activity for your child will not only reduce stress but prevent anxiety as well.
 
7. Look for ways to remove learning barriers.
If your child has learning challenges, it is important for you to review the online material and any other material your child’s teacher offers. Keep open communication with your child’s support if they have them such as, speech therapist, OT, School Psychologist etc. Keep in mind this is a new approach for everyone. eLearning was not set up to reach all child’s needs. eLearning has been created to help give your child a direction and continuation of learning. It is still important to keep up with your child’s needs and learning how to fulfill their needs in different ways to give them the support they need during this time.
8. Communicate in ways that help your child.
Be open to different forms of communication. If your child has a question, perhaps setting up a Face-time with your child’s teacher will help them understand better. Your child could also send a video as a response. Keeping all the forms of communication will help your child get the answers that he or she needs and it might be fun learning different way of communicating for your child.
9. Try to make Online learning as interactive as possible.
Children need the opportunity participate. Try to find other sources to help your kids learn how to interact and ask questions online. Perhaps finding apps online. Education.com is a great source to start with. ABC Mouse is a great resource as well, and there are great free resources as to find.
10. Keep it simple.
Most importantly, keep everything simple. Not only for your child but also for you as a parent. Simple, clear directions and expectations is what will get us all through this history making school year. It is hard enough that many parents have to work remote, teach their child remotely, as well as take care of everything else around them. Many parents have more than one child or a special needs child. The point is everyone has his or her own challenges. By keeping it simple, giving yourself grace, and knowing that you are not alone will help you get through the threshold of all this and I promise you are not alone!

Julie Valdez

Get a quote

Or call 630.513.6600

What is Trade Credit Insurance – and Why Did COVID-19 Make Businesses Realize They Might Need It?

presidio group insurance

11/4/2020

On March 11, 2020, the World Health Organization officially declared COVID-19 a global pandemic. According to a recent publication on the economic impact of COVID-19 by the Proceedings of the National Academy of Sciences, the median business with more than $10,000 in monthly expenses only had about two weeks of cash on hand at the time of the survey.
 
As leading commercial insurance brokers, our Agency Partners have examined the circumstances surrounding the pandemic, which enables them to custom-tailor policies to help protect your business from future disasters.
 
As we all know the Pandemic has caused numerous shut-downs. Many U.S. businesses closed temporarily or began operating at a limited capacity. To recover from suddenly crippled revenue streams, some businesses sought funding through the Coronavirus Aid, Relief, and Economic Security (CARES) Act—but many businesses saw it as difficult to establish eligibility and the program quickly ran out of funds. With no access to government aid, some business owners hoped to file claims for losses under their commercial insurance policies that provided coverage for business interruption. However, for business interruption coverage to apply to revenue losses, in general, physical damage must be the underlying cause of such losses to the insured business. As a result, although they may have had coverage for business interruption, many business owners realized they did not have coverage for revenue losses resulting from COVID-19.
 
How Trade Credit Insurance Can Help Protect Businesses To help protect businesses from future threats, businesses should consider adding a trade credit insurance policy to help cover losses from non-payment of a commercial trade debt. If customers are unable to pay, a trade credit policy can pay a percentage of the debt owed, typically 90% of the amount outstanding. This specifically helps protect against customer insolvency, protracted default, political events, acts of war or disasters like the coronavirus pandemic, among other things.
 
How to Apply for Trade Credit Insurance Due to the hard lessons learned from COVID-19, trade credit insurers are now experiencing a surge in new applicants. Acrisure Agency Partners deliver in this area by working with TRG (Trade Risk Group), which specializes in trade credit insurance and knows how to help custom-tailor a policy to fit the needs of individual businesses. We can thoroughly evaluate a business, including its goals for growth. And, we can also examine the financial health of a business’s customers and potential customers, assessing how likely its customers are to pay invoices on time. This helps businesses better understand the coverage amounts recommended—and can also act as a roadmap for avoiding potentially risky customers.
 
Consider contacting Presidio today which is a proud partner of Acrisure – one of the top 10 largest insurance brokers in the world. Presidio continues to innovate a national and global network of industries that specializes in providing to hands-on, best-in-class service.
 
Contact Presidio today.
#630-513-6600

Julie Valdez

Get a quote

Or call 630.513.6600

presidio group insurance

Question in regards to Presidio – Coronavirus Information

COVID

presidio group insurance
Sunday November 1st, 2020

Question in regards to Presidio – Coronavirus Information

Dear Clients & Friends of Presidio:

We are continuing to closely monitor the Coronavirus (COVID-19) Pandemic. Presidio is committed to helping you stay informed and continuing learning and educated ourselves with the impact this has had on the world, our clients, employees, and of course the economy. As well as, the insurance impact of COVID-19, while assisting those who might be affected.

Below you will find information with regards to Coronavirus and Property & Casualty coverages, Employee Benefits and Human Resources. Generally speaking, the information below should serve as an accurate assessment of today’s insurance industry standards and response to this pandemic. This is a fluid situation and any specific questions should be directed to your primary Presidio contact.

Property & Casualty: Every policy is unique and each carrier needs to determine the merits of an individual claim.

· Business Income (BI): Unfortunately, lost Income coverage would be triggered only as a result of a covered direct physical loss. As this pandemic would most likely not create a direct physical loss as defined by a policy, there would be no coverage. Coronavirus claims are unlikely to cause the property damage needed to create a business income. For example, a business may voluntarily shutdown for protection and to put people at ease, but that isn’t an insurable coverage. In the case of a government shutdown (Federal, State or Local) the same rules would apply.

· Workers Compensation (WC): Occupational Illness has historically been defined as an illness resulting from circumstances that are not prevalent outside specific industries/work settings (i.e. black lung in the coal industry, asbestosis in pipefitting, retinal burns in welding, etc.). In order for this current illness to be viewed as “work related”, it must be shown that the risk of contracting the illness is inherently higher as a result of your work/workplace/location than that faced by the general public. An example of this would be, business travel to a highly affected region of the world. As this current situation is still evolving, the coverage for Workers Comp claims will be determined on a case-by-case basis and will have to be decided by the courts in the future. Employees contracting COVID-19 may be covered by workers’ compensation insurance if they were initially exposed to the virus in the workplace or while working. That being said, an employee’s employment and the resulting exposure, must be the major contributing cause of contracting Coronavirus.

· Supply Chain/Dependent Property BI/Contingent BI: Dependent property coverage for the supply of parts/components for manufacturers may be interrupted by shutdowns across the globe. Again, these property policies depend on a covered direct physical loss to trigger coverage.

· General Liability: Commercial General Liability policies could respond to third-party claims when negligence can be proven as the reason for the exposure to COVID-19. Although there is a likelihood for limited insurance coverage, it’s worth noting that standard commercial insurance policies are not designed to cover the spread of contagious diseases like COVID-19 or the flu.

· Director’s & Officer’s Liability: Whether or not coverage will be triggered on D&O policies will be largely dependent on the individual circumstances surrounding an allegation. Case law will likely dictate if and how carriers respond and, currently, there is no precedent in many states for a claim of this nature.

Employee Benefits/Health Insurance:

With regard to treatment for COVID-19, group health plans cover medically necessary health benefits, including physician services, hospitalization and emergency services consistent with the terms of the member’s benefit plan. Members should always call the number on their ID card for answers to their specific benefit questions.

​For diagnostic testing for COVID-19, please note the following coverage information:

Coverage for fully insured members: Effective immediately for all fully insured members, for testing to diagnose COVID-19 when medically necessary and consistent with Centers for Disease Control (CDC) guidance:​

· No prior authorization needed
· No member copays or deductibles

Please use the Centers for Disease Control and Prevention (CDC) guidance on COVID-19, as the CDC has the most up-to-date information and recommendations.

For Employers: The CDC has an entire section on its website focused on how coronavirus has impacted employers.

Key sections of the site include:

· Recommended strategies for employers to use.
· What employers should do if an employee reports exposure to someone with COVID-19 (including the steps they should follow to conduct a risk assessment of their potential exposure)
· Recommendations for an infectious disease outbreak response plan

Human Resources:

Presidio offers our commercial insurance clients two options when needing assistance with Human Resources.

· ThinkHR.com: ThinkHR.com is a complimentary resource available to you for a quick, straightforward question. Please take advantage of this valuable resource as needed.

· Presidio’s Human Resource Team: If your situation is more complicated, you feel you need clarification on the response from ThinkHR, or you prefer to speak with a live person, we do offer expert HR advice in-house. Please keep in mind that additional fees may apply with this service.

· See below HR Compliance Bulletin

While we are also focused on the health and well-being of our own employees, we will continue to be your resource.

Stay Healthy,

Keith Verisario
President

Get a quote

Or call 630.513.6600