T & C Talk
Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Written by: April Alberg - Mon, May 13th, 2013
Prom, graduation, summer vacation. This time of year is known as the “100 deadliest days for teen drivers.” Statistics tell us that 14 teenagers die every day in automobile accidents. While we want our teenagers to have fun during this time, we also want them to be safe. Below are things that we can do as parents.
· Teach by example.
· No drinking and driving.
· No texting or cell phone use while driving.
· Always wear your seatbelt.
· Obey all traffic laws and stay within the speed limit.
· Obey the restrictions of graduated licensing.
1. Drivers age 16-19 are not allowed to drive between 12am-5am unless driving to or from work, from school funtions or with an adult driver in the car.
2. Only transport one passenger under age 20 for the first six months and only three passengers the following six months.
Texting and driving has become a major driving distractor for our teens who use their phones for everything. We want to help you educate your teen drivers about the dangers of texting and driving. AT&T put together a documentary called “The Last Text” about real teenagers who died while texting and driving. Auto Owners Insurance has partnered with AT&T to get this message into our schools. If you would like to see this message brought to your school, contact us
Fri, May 10th, 2013
Home sweet home is an obvious place to give a good scrubbing once springtime in Minnesota arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.
But what about your business? Have you considered giving it a spring-cleaning too?
Doing so can revitalize your business and put a new spring in the steps-no pun intended-of all your employees. Here are some tips:
- Declutter: Rid your business environment of all extraneous, unnecessary stuff: papers, broken supplies, ancient inventory that you can't seem to sell, etc. When doing so, remember to be earth conscious: recycle everything you can, dispose of all chemicals in the appropriate manner, and take used electronics to a facility that can repurpose or restore them, or make tax-deductible donations of still-useful items to your local Salvation Army or Goodwill.
- Liven Up the Landscaping: Consider planting some brightly colored flowers and lush plants around the exterior of your place of business. This may help to attract new customers, and is a natural mood-lifter. If you can't make these alterations to your business's outdoor environment, bring some potted plants and flowers inside. Let their fragrance and hues breathe new life into your business!
- Improve Functionality: Spring is a good time to upgrade and purchase tools, equipment, or technology for your business that is more functional and efficient. For example, consider replacing outdated cash registers or credit card machines with a multi-tasking computer system. Get rid of bulky file cabinets and scan all your documents into digital files that can be stored on a hard drive.
- Go Green: Spring is a time when we tend to appreciate the earth's beauty and bounty, so it makes sense to do what we can to preserve it. Consider making your place of business greener by installing a solar heating system, putting energy-efficient light bulbs in all fixtures, using recycled rainwater to hydrate your landscape, or designating special bins where employees can deposit their recyclable waste.
- Re-Evaluate Relationships: Relationships-between employees and between the business and its customers-are really what make a company thrive. This spring, re-evaluate the way your business approaches relationships. Do you have healthy relationships with your employees and do they get along well with each other? How do you maintain positive connections with your current clients? How to you attract new clients? Consider incorporating community-building activities into the workplace, such as potlucks, picnics, or sports events. Create a newsletter to stay in touch with your existing customer base, and try new forms of advertising to gain new customers.
For any of your insurance questions, Contact Town & Country Insurance today.
Fri, Apr 12th, 2013
If you are a business owner in Minnesota who pays for your employee's health coverage and sick leave, you have good reason to motivate these employees to stay healthy. Good employee health translates to good financial health for you and your business!
Promoting employee health can be tricky, though. After all, your employees are generally neither your family nor your friends, so it may not be appropriate for you to discourage Mabel in Accounting from eating those jelly doughnuts for breakfast, or to comment on Jack in Human Resources about his recent weight gain. How can you inspire your employees to take care of their health while remaining professional and providing alluring incentives? Here are some ideas:
- Make Money the Reward - Enlist the help of an incentive-based health engagement company-there are a few different ones out there-which will set up a program for your employees. In a typical set-up, employees receive points for engaging in different healthy behaviors, such as using the stairs instead of the elevator, and each point has a monetary value. Employees can earn a maximum amount of dollars per year through the accrual of their points.
- Create Company Sports Teams - If you employ enough people, you can create two or more teams and have a weekly game of basketball, soccer, softball, or any other sport after work hours. If you have a small number of employees, ask another local business to form a team to play against yours once a week. In addition to promoting fitness, this activity can create more camaraderie among coworkers-always a good thing!
- Make Small Changes to the Environment - Post a picture or sign near the door of the elevator that will inspire people to use the stairs. For example, a simple graphic showing a person walking up a stairway with the words "Stay Healthy" printed on it can be motivating without having the effect of a shaming lecture. If your business has a snack or drink machine, keep it filled with healthful options like whole grain crackers, fresh fruits, juices, and waters. Even better, have a well-equipped kitchen available for your employees so they can prepare their own healthful lunches and snacks each day rather than ordering less-healthful options from restaurants and fast food chains.
- Exercise to Benefit Your Community - Does your community ever have walks, races, triathlons, or other similar events to raise funds for non-profit organizations? If so, encourage your employees to participate. If not, consider creating an event-like a 5K walk to raise money for your local animal shelter. Doing so will have many benefits: it will be good for employee health; it will increase the visibility of your business; and it will benefit the organization for which the funds are being raised
- Host a Healthy Recipe Potluck Invite all your employees to participate in a company potluck. Make the theme of the potluck low-fat, low-calorie, healthful recipes. Use this as an opportunity for employees to share healthy eating tips and recipes. As an incentive for participating in the potluck, have the evening culminate in a "tastiest dish contest"; employees can sample each dish and vote on their favorite one, with the winner receiving a prize or cash reward.
For any questions about employee health coverage, Contact Town & Country Insurance today.
April Alberg - Thu, Feb 21st, 2013
Fast facts about texting and driving:
- Texting while driving increases the risk of an accident 23.2 times over unimpaired driving.
- Texting while driving results in longer response times than even drunk driving.
- In the moments before an accident, drivers spend almost 5 seconds looking at their phones, which is enough time to cover more than the length of a footbll field going normal highway speeds.
- Though 95 percent of drivers surveryed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.
*Study from the Virginia Tech Transportation Institute
Please stay safe on the road. Don’t text and drive!
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4 Convenient Minnesota Locations:
2214 State Highway 18 Suite A
P.O. Box 258
Phone: (320) 233-6684
3697 County Rd 140
P. O. Box 31
Phone: (218) 389-6461
202 Main Street East
P. O. Box 339
Phone: (320) 384-7423
600 Clark Street
P. O. Box 89
Phone: (320) 679-4400