American Heart Association Recognizes Bouchard Insurance for Workplace Health Achievement

Last week the American Heart Association announced the National 2018 Workplace Health Achievement Index. Bouchard Insurance is proud to have met the criteria for Gold level recognition for taking significant steps to build a culture of health in the workplace.

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Over 1,000 companies completed the Index assessment this year and 75% of those received either Gold, Silver, or Bronze recognition. This program allows companies to measure the effectiveness of their workplace health programs as well as the overall heart health of their employees. The American Heart Association has defined best practices for employers to use to build a culture of health for their employees, and the Workplace Health Achievement Index measures the extent to which the company has implemented those health best practices. Companies recognized at the Gold level achieved an Index score of 175 - 217 out of a maximum 217 points.

We believe that investing in our employees’ health pays off.  When an employee’s health improves, this lowers health costs for both the employee and the employer. A direct result of a healthier workforce is enhanced productivity and employee retention, not to mention, a culture of wellness allows for better teamwork and overall morale. 

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All of this equates to increased profitability and a happier staff!  Running a healthy business means helping empower employees to make lasting, noticeable changes in their health and well-being.

We have worked hard to establish a true culture of wellness with engaged employees here at Bouchard. We post “Stall Street Journal” communication pieces on the inside of the bathroom stalls. Talk about having a captive audience! We change them out weekly, and try to keep the messages short but relatable. We have hosted infused water bars to promote hydration and hold an annual Office Olympics event. Our active wellness team stays busy coming up with fun, fresh ideas.

We are very proud to be listed as one of 21 companies nationwide in our size who met the criteria for Gold level recognition. Visit the American Heart Association website to view the full list.


About the Author

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Beth Patterson is the Agency Coordinator for Human Resources at Bouchard Insurance.  Beth and the HR team have been a critical part of the wellness strategies we have implemented internally and believe it makes us a better employer and partner in the communities we serve. | Connect on LinkedIn

Protect Your Car from the Sun & Heat

If you don’t take the proper precautions, the sun can severely damage key components of your vehicle. In fact, it’s not uncommon for the exterior of cars to reach 194° F when exposed to direct sunlight in the summer. This amount of heat can not only wreak havoc on your car’s finish, but its interior as well.

To protect your vehicle, keep in mind the following tips:

  • Park in the shade. This is the best way to avoid direct sunlight, which will keep your interior and exterior from drying and cracking.
  • Use a windshield sun protector. These affordable products keep the inside of your car cool and help prevent sun damage.
  • Install seat covers. Seat covers are a great way to protect leather and fabric seats. Better still, these covers can help keep your seats cool.
  • Wash and dry your exterior often. Sun and heat can fade and crack the paint of your car. Frequent washing and hand drying helps remove dirt and dust particles that can cause issues to a vehicle’s finish.
  • Wax your car. Waxing your car adds an extra layer of protection from ultraviolet rays. How often a car needs a wax job varies, but it is best to do it on a regular basis.
  • Check your tire pressure. Hot pavement and underinflated tires can easily lead to blowouts, which can be expensive to fix. Even good tires can lose about one pound in air pressure a month, so it’s important to check them often. Be sure to follow your vehicle manufacturer’s recommended tire pressure.

The more you take care of your car, the longer it will last – which means more summer road trips for you and your family!


ABOUT THE AUTHOR

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Erinn Martinez is a Personal Lines Account Manager at Bouchard Insurance. Erinn is experienced in all lines of personal insurance. | Connect on LinkedIn

Don't Forget Your Umbrella!

Rainy season is in full force and a great reminder not to forget your umbrella! Weather aside, an umbrella can do far more than just keep you dry. One of the most certain things in life is uncertainty. Your dog could bite your neighbor’s kid. A friend could slip and fall on your pool deck. A rainy morning drive could cause a serious accident. Any of these events could leave you liable to others for the cost of injuries, property damage, lost wages, pain and suffering and much more.

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While you may have homeowner, auto, boat and motorcycle insurance, these policies are limited. The liability limit on a homeowner policy is oftentimes $300,000. Auto policies typically range from $30,000 to $500,000. What happens in the event of a lawsuit in which you are judged liable for $1 million? How do you pay for it?

If you have a Personal Umbrella policy and the incident is a covered loss, the difference between your basic policies and the judgment will come from this policy. If not, it will come from the assets you have now, as well as possibly from future assets such as wages or inheritance.

Here are a few things to be aware of when considering an umbrella:

  • The typical coverage is between one and five million. The coverage amount you select should be based on your net worth.
  • Since the homeowners, automobile, boat and motorcycle policies are the 1st line of defense, the umbrella carrier will require you have certain underlying coverage on these policies before they will respond. 
  • An umbrella policy responds when the underlying coverage limits are exhausted.  

An umbrella policy is simply an extra layer of security coverage on top of the limits on your other policies. Whether you own property, have significant assets or own things that can lead to injury lawsuits, just about anyone can benefit from this policy.

If you are interested in learning about how an umbrella policy could help protect the life you’ve built, please give us a call at 844-848-9373!


About the Author

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Kristie Pauly is the Vice President of Personal Lines at Bouchard Insurance. Kristie's team focuses on protecting individual's assets through all lines of personal insurance. | Connect on LinkedIn

Benefits Technology

In today’s world, individuals of all ages use technology as a normal part of daily life from sending emails to online banking, to filling out employment applications and scrolling through social media. This is especially true in the workplace with more and more employers transitioning functions that used to be managed “in-house” now being outsourced such as payroll, online record keeping and new-hire applications.

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Technology seems to be replacing manual processes throughout every aspect of running a business, but, believe it or not, many employers still use paper enrollment forms to enroll employees in their benefit program. When we ask why employers have not moved to an online platform, we hear many different reasons. A few of the most common responses are – their employees aren’t capable of enrolling online and/or don’t have a computer at home to do so, it’s too costly of an expense that hasn’t been budgeted for and “I wouldn’t know where to begin with considering a vendor”.  All these reasons for not taking the plunge with Benefits Technology hold validity in their corresponding circumstance, however even with these challenges, moving to a Benefits Technology platform is a way to save money and time, while enhancing efficiencies to make the organization stronger. So now, let’s talk through these common objections and why benefits technology can make sense for most employers.

‘My employees don’t know how to enroll online and don’t have computers at home to do so.’

Did you know benefits technology vendors typically offer enrollment support? This is a service that’s highly undervalued, as not only is a third party enrolling each employee, they are also providing one-on-one education, as well as a personal Q&A opportunity for every employee. This removes any potential HIPAA violations if an employee overshares their healthcare circumstances and eliminates the need to follow up with employees who submit forms that are incomplete or illegible. For these reasons, even employers who don’t face this challenge can largely benefit from one-on-one enrollments.

“This is a cost that hasn’t been budgeted for and we cannot afford to take on this year.”

Benefits Technology may not be as costly as you think. Some insurance carriers offer their benefits technology platform at no cost to an employer for simply offering Voluntary Worksite Products (think- Cancer Plan, Critical Illness Policy, etc.). These are products that are often already being offered, so why not partner with a vendor that can enroll employees electronically at no additional cost?

“Where do I even begin with choosing a vendor?”

There are organizations who have built their entire business understanding benefits technology vendors. Bouchard has an exclusive arrangement with Benefits Technology Resources (BTR) who does just that. In meeting with a vendor like BTR, employers can talk through what they anticipate needing a Benefits Technology vendor for, and then review the best viable solutions out there provided by the experts in the field.


About the Author

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Candace Conforte is a Sales Executive at Bouchard Insurance. Candace specializes in Property & Casualty, Workers’ Compensation, and Health Benefits for large commercial accounts | Connect on LinkedIn

Chubb Cornerstone Designation

Bouchard’s Private Client team received the prestigious 2017 Chubb Cornerstone designation.

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Sara Riggs, Chubb Assistant VP and Personal Lines Manager for FL, AL, and MS, presented the award during a celebration breakfast. Only 3% of Chubb’s agents qualify for the designation each year thus receiving the award is true cause for celebration! Private Client proudly displays the Cornerstone logo as a symbol of our commitment and partnership with Chubb providing our members with the best in industry products, coverages, service, and protection.

Chubb is a leader in the insurance industry not only in size and longevity, but also because of their continued dedication to be the best at what they do. And it’s because of that excellent reputation that being a Chubb agent is an honor. As a Chubb Cornerstone Elite Agency, hand-picked by Chubb based on our experience, expertise, size, and commitment to high service levels, we have special access to their senior management and 24-hour customer service. We also have direct access to senior claim professionals and have been assigned a dedicated Chubb liaison as a single point of contact for all concerns and issues relating to claims.

With 6 offices throughout Florida, and licenses to write policies in all 50 states, Bouchard’s Private Client

team is dedicated to maintaining the Cornerstone designation, which must be earned every year. Our well-trained advisors and experienced team of service professionals boast a 97% member retention. Contact us today at 727-451-3880.


About the Author

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Karen Reyes is the Vice President of Private Client at Bouchard Insurance. Karen's team focuses on complete personal portfolios for affluent members including annual reviews and concierge style service. | Connect on LinkedIn