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Address The Dangers of Presenteeism

December 5th, 2022 John BosmanAddress The Dangers of Presenteeism Presenteeism in the workplace occurs when an employee comes to work despite feeling tired or unwell, considerably reducing their productivity. This problem is especially common among remote or hybrid employees, as they are more likely to not feel the need to take sick leave when they’re feeling unwell. It is…

Reducing Winter Utility Bills With 9 Tips

December 3rd, 2022 John BosmanReducing Winter Utility Bills With 9 Tips Colder weather often brings higher energy bills for homeowners. With colder, darker days and more time spent inside the house, some people find powering their homes in winter is even more expensive than during the summer. Though it may be tempting to simply lower the temperature on a…

Selecting Tires for Winter

December 2nd, 2022 John BosmanSelecting Tires for Winter Winter tires are an important reality for many this time of year not just our clients who live near our headquarters in Minnesota. This is where the rubber meets the road, or at least the snow on top of the road.  In winter driving conditions, the chances of skidding or losing…

Working Safely in Cold Weather

December 1st, 2022 John BosmanWorking Safely in Cold Weather Winter weather poses a number of safety risks, particularly for you and your employees who spend a lot of time working outdoors. Prolonged time in the cold may result in serious ailments or even death. Injuries and illnesses associated with exposure to extreme cold include: Frostbite This condition occurs when…

Budgeting for the Holidays

December 1st, 2022 John BosmanBudgeting for the Holidays It's that time of year again and with all the cheer comes a fair share of Holiday stress.  According to the American Psychological Association, financial problems are the leading cause of holiday stress. Proper planning and smart shopping techniques can help you enjoy the holiday season and stay within budget while…

What is Waiver of Subrogation?

November 25th, 2022 John BosmanWhat is the Waiver of Subrogation? The regular review of every contract you sign is a highly important risk management task. This includes a contract’s waiver of subrogation clause. First, What is Subrogation? Subrogation is a basic insurance concept used in insurance contracts. If a loss occurs, it typically happens through someone’s negligence. In general,…

7 Tips to Protect Your Vehicle From Theft

November 22nd, 2022 John Bosman7 Tips to Protect Your Vehicle From Theft According to the National Insurance Crime Bureau (NICB), vehicle thefts have risen dramatically in recent years. Nearly 100,000 vehicles were reported stolen in 2021 a 6% increase from 2020 and a 17% increase from 2019. For many Americans, vehicles are essential for everyday life and the welfare…

3 Simple Tips for Injury-free Workouts

November 20th, 2022 John Bosman3 Simple # 3 Simple Tips for Injury-free Workouts Exercise is a great way to combat stress, maintain a healthy weight and boost your energy. But attempting to do too much too quickly can cause injuries. To keep your workouts injury-free, be sure to add warming up, cooling down and stretching to your exercise routine.…

How Small Businesses Can Prepare for a Recession

November 18th, 2022 John BosmanHow Small Businesses Can Prepare for a Recession You can't escape the conversation in the news.  Recession worries seem to be a large part of the public conversation and for very good reason.  Just the word alone can strike fear in any business owner.  So how about some practical steps to move through this period…

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