New Year, No Alcohol? Embracing Dry January in the Workplace

January 15, 2020 By Amy Hammond

After all the holiday toasts, hot toddies and themed party cocktails, is it time for your workplace to go dry? The movement dubbed Dry January ironically stems from a land full of pubs and pilsners; since 2013, England has spread its message of New Year, No Alcohol worldwide. It’s catching on, and breweries are noticing; according to CNBC, many are now promoting low alcohol or even no alcohol alternatives.

To jump on the no alcohol bandwagon and encourage employees to put down the pints (at least for a while), consider the following strategies:

Find a Dry Champion. Have you heard anyone talking about going dry? Ask them to lead the campaign and recruit others.
Design a pledge-signing event and make it a focal point in your break room. Those who sign the pledge will have a visible reminder from Monday through Friday about their commitment to forgoing alcohol.
Circulate a quiz to help employees identify how much they are actually drinking. Heavy drinkers can see definite benefits from going dry, including decreased liver fat and lower cholesterol levels. Others report better sleep and concentration – both which could affect workplace performance.
Consider crafting a self assessment to showcase how alcohol changes the body. It’s very possible that your workforce doesn’t know how many drinks can result in impairment; usually, it’s fewer than people think. Share this article from Good Morning America to illustrate the health connection.
Organize a tasting for your employees – a sort of happy hour that involves plenty of ‘mocktails.’ Have a resident mixologist who’s always the life of the party? Ask him/her to judge the competition. Employees can feature their best creations (pineapple and orange juice with a splash of cherry juice is a great place to begin).
Have a competitive employee roster? Give incentives. Who can stay dry the longest? Hand out mocktail ingredients at the kickoff party. There are so many ways to be creative about going dry. Tailoring your strategy to what works for the individuals involved is always a great idea.

Take January to dry levels, and you could see a more productive workplace. For more information about how you can help your workplace go try, call W3’s wellness coordinator Trish Blocker at 727-522-7777.

Food Poisoning: A Survival Guide

January 2, 2020 By Amy Hammond

‘Tis the season for tummy trauma. Holiday grazers, pay special attention to this article. Your habit of digging into tepid sausage dip left out during that marathon Christmas party can cause major issues. Enjoy yourself without ingesting a hearty dose of salmonella, parasite or virus. Here’s a survival guide to avoid food poisoning during this time of year and beyond – and what to do if you’re infected.

Step One: Thou shall adhere to the rules of food safety – namely, the two-hour rule. This is not to be confused with the five-second rule, which dictates that any food dropped on the ground is safe to eat if consumed before five seconds. (This rule is false, by the way). If food has sat out for more than two hours, throw it away. That’s right, toss even the delectable prime rib that fits so snugly into those leftover potato rolls. It’s not worth the risk. After refrigerating your favorites, eat them within three or four days, and make sure to reheat. Ignore the steps inherent in Step One to your peril; doing so may result in Step Two.

Step Two: Even when you say ‘no’ to that late-hour shrimp cocktail appetizer, food poisoning can still strike. Know the symptoms that can arise within hours or sneak up within days. Either way, this is not usually something you can ‘power through.’ How you feel will vary based on the severity and type of the poisoning, but one thing is for certain: You are going to feel lousy – and you likely will need to stay near a bathroom. This is where your medical plan savvy comes in handy. Consider telemedicine – that way, you won’t need to leave your home. If that is not an option, the primary care provider or convenient care clinic are likely your best bet. Only go to the ER if it is absolutely necessary.

Step Three: If you believe the offending food is still in your possession, throw it away before a household member can unwittingly infect themselves as well. Think your illness is due to a restaurant item? Call the restaurant. Most do not want to give their patrons a side of illness with their meal. Next, rest up. Don’t force yourself to do more than your energy level provides. The effects of food poisoning can linger, depending on the severity. Hopefully yours will prove short and mild.

Foodborne illness is a real threat to holiday hoopla. It causes approximately 3,000 deaths yearly in the United States, according to the Centers for Disease Control. Over a hundred thousand are sickened; some are hospitalized. Many others suffer in silence at home until the symptoms subside. If you experience fatigue, nausea, cramps, or diarrhea, there’s a possibility that you’ve fallen victim to food poisoning. May your bout be short and your health return as soon as possible!

Your Home: A Water Damage Time Bomb

December 18, 2019 By Amy Hammond

Keep Dry With This Action Plan

Water damage can be a real drain. Protect your home and your pocketbook by opting for the right water damage coverage and addressing potential threats. Proactive “waterproofers” save themselves the expense and headache that comes with an unwelcome deluge. Keep the wet away from your Welcome mat by completing essential home maintenance essential to loss prevention. Below, we’ll examine the common sources for home water damage and how you can prevent excess H20.

Roofing: Plenty of water damage risks don’t involve torrential rainfall or wind. Homeowners are often surprised to learn that maintaining their roof is only one element of protection – but it is of course an important one. Give yours a birthday present by having a professional roof inspector examine it every year. This professional will spot suspect shingles, crumbling flashing and other elements that can put you at risk for leaks.
Plumbing: Plumbing in general should be treated as a valuable home element. If you see corrosion, condensation or leaks emanating from plumbing anywhere in your home, act immediately. Here’s a hint: If your water bill suddenly spikes, you may well have a malfunctioning plumbing element.
Sump Pump: Heading out on vacation? Avoid a surprise ‘gift’ upon your return home by turning off your main water supply line. Since sump pumps can fail for a variety of reasons, it’s a solid strategy. Take the time to inspect those. Clogged inlet screens and float switches can yield problems. Remember to take a look at the outside pipes and watch for that water flow – it should occur away from the home.
Water Heater: Five years is the magic number for these home elements. After age five, water heaters are much more likely to burst. Flush yours of sediment twice annually. And once a year after that five year point, ask a professional plumber to take a look at the anode rod, which will inevitably eventually deteriorate. And remember: no hot shower is worth the amount of damage that water heaters can cause if compromised.
Toilet: Anyone who has ever experienced a toilet overflow will tell you that it’s not a pleasant experience. It’s also unfortunately a common one. A backed-up toilet can wreak plenty of havoc on wood floors and baseboards; plus, it’s downright gross. How’s that flush mechanism working? Ask that question and answer it every six months. If you need to replace the flapper or film valve, do so. Also, giving the supply line some TLC every six months or so will keep that water flowing where it’s supposed to.
Sink: Faulty plumbing lines, thou art evil. When they deteriorate, these lines and the damage they cause can cost a homeowner approximately $7,000. Faulty plumbing lines are the big risk factor in a sink. Inspect it every six months, and if you don’t know where the water supply shutoff line is, go find it immediately.
Washing Machine: This one’s an obvious risk. After all, it has ‘water’ in the name! What you should really be on the lookout for here is water supply lines. Every six months, take a look at it. Is it secured correctly? Is it looking worse for the wear?
Ice Maker: That supply line can really be a doozy. If an icemaker is not properly installed, that supply line hose can fail. The result of such an incident is a watery mess and inevitable damage. Again, every six months should be a good adage for inspection.

It doesn’t take a lot of time or energy to do quick checkups on water hoses and the like. Schedule these ‘visits’ in your calendar and adhere to them. Putting off inspection of potential water damage sources can prove a costly mistake. Additionally, contact your insurance advisor to discuss whether you need increased water damage coverage. Different elements such as age of the home can increase your risk.

Remember: Your insurance policy is designed to cover you for sudden and accidental loss not otherwise excluded in the policy form. It is not a home maintenance policy. By understanding your coverage and doing your part to maintain your home, you’ll earn an A+ in water damage prevention.

At W3, our advisors are committed to helping you understand the protection provided by your policy and making sure that it works for you. Contact us! We’ll review your options and put a watertight plan in place.

W3 Insurance Opens New Sarasota Location – Location Designed to Better Serve Clients

October 31, 2019 By Amy Hammond

Sarasota, FL – St. Petersburg-headquartered W3 Insurance describes its new Sarasota location, at 2000 Webber Street, Suite 100, as an opportunity to better serve existing and prospective clients. The central location features Sarasota’s bustling downtown, a covered parking garage and plenty of room to grow.

“This move gives us the opportunity to merge Vestor Insurance, a recent acquisition, with our last Sarasota office. Now, both are joined into one space,” says Erin Wells, W3 personal insurance manager.

The new office site features rising desks. This is a conscious addition: W3 has long been considered an employee wellness advocate and recently was awarded bronze recognition in the American Heart Workplace Health Achievement Index.

Founded in 1925, Wallace Welch & Willingham is an independent insurance agency with a rich history of providing quality service and unwavering commitment to its clients and community. The agency represents an extensive list of “A rated” insurance companies in order to provide the best coverage at the most affordable rates available. Wallace Welch & Willingham has insurance products to fit the specific needs of both businesses and individuals, offering commercial, homeowners, auto, boat and life insurance, as well as employee benefits coverage. For more information, call (727) 522-7777 or visit w3ins.com.

Storm Preparation for Golf Clubs Tees Off Here – Before the Storm, There’s W3

October 15, 2019 By David Cosper

You can’t prevent a severe storm from affecting your club, but you can put an effective risk management program in place to reduce the total impact. Mitigate loss from claims and protect resources and assets. It’s worth the preparation time. Remember: loss history affects your club’s risk profile and premiums over a period of 3-5 years.

Here are a few tips to improve the outcome of a loss:

Where there’s a heavy storm, there’s bound to be tree debris. Subcontract professionals to handle the day–to –day pruning and removal of dead limbs. This action will have a positive impact on your workers compensation exposure and ensure your trees are not top-heavy or excessively tall.
Limit your claims submission to what is needed. For example, if your club loses 100 trees but 50 of them are located in a wooded area away from the course, only file claims for trees which truly need replacing. This will improve your loss ratio and thus improve your marketplace risk profile.
Evaluate potential exposures to flying objects. If necessary, consider adding storm shelters or hurricane (tempered) glass to mitigate future losses.
Consider a backup generator. Significant power outages can occur during these events; clubs need to consider additional losses such as food spoilage.

Ready to take proactive measures for your club? Contact W3. The W3 Club Advantage team will help your club conduct a vulnerability analysis to evaluate probable threats. Together, we will then prepare a disaster program which can be implemented before, during, and after a severe weather event.

Implementing a disaster response plan is critical to your club’s ability to respond to a severe weather event. This plan should include emergency contacts, disaster procedures and communications, alternate vendors and suppliers, and steps for recovery. It should also have employee information as well as necessary passwords and codes for technology – essentially, everything needed to expedite re-opening.

The W3 Club Advantage program addresses all exposures your club could face in the event of a catastrophic event. For more information about the W3 Club Advantage, contact Hospitality Risk Practice Leader David Cosper at 727.522.7777 ext. 110, email dcosper@w3ins.com or compete the form below.