There are a multitude of reasons why a commercial insurance buyer should consider purchasing Ocean Cargo insurance from their agent vs. the shipper or freight forwarder. Please review this list and let me know what you think.

February is “Heart Month” and this month’s blogs will focus on heart healthy tips from nutrition to exercise and stress. So, what is a heart healthy diet? In today’s blog you will discover some foods to increase in your diet and some foods to avoid for heart health. If you are not used to eating these healthier foods, I want to challenge you to start small. Small changes equal big results! Your heart is an amazing organ/muscle and with proper care, nutrition and exercise… you will have a strong and healthy heart throughout your life!

Heart Healthy Lentil Soup

Heart Health Video

The Mediterranean diet has fewer meats and carbohydrates and more plant-based foods and monounsaturated (good) fat than a typical American diet. Many people who live in Italy, Spain, and other countries in the Mediterranean region have eaten this way for centuries.

When you think of winning athletic teams, there is an immense sense of pride that follows them. Their fans are proud supporters and the team walks with a certain "swagger." The same can be said about our organization. Our clients have become loyal fans, thrilled with our success and proudly doing business with us. At the same time there is a very positive vibe in the air within the four walls of the Kapnick Insurance Group (KIG) offices... one can sense energy, passion and excitement! We truly have built a world-class winning team and would like to thank our client partners for being an important part of our success.

I have been discussing the inevitability that government fines for egregious data breaches will eventually reach small medical practices for some time now. In early January my prediction became a reality when the Office of Civil Rights administered a fine for $50,000 for the loss of an un-encrypted laptop by a small hospice facility in Northern Idaho. Their fine for the theft of a laptop with 441 un-encrypted patient medical records sends a clear signal from the Department Of Health & Human Services that even small medical organizations are not exempt from fines for lax security and protection of confidential consumer information. If you need more convincing - spend a few minutes browsing the Office of Civil Rights website and you will find other case examples by type of medical facility.

Kapnick Insurance Group is now a member of the nation’s leading 24-hour disaster recovery service - The RED ALERT Priority Response Program is available through BELFOR Property Restoration. Kapnick clients are now automatically enrolled in this comprehensive program, as a no-charge value added service. The advantage for your business or home: when disaster – natural or catastrophic – strikes, and you call the emergency response hotline, you will receive priority response status from Belfor’s property restoration professionals.

Many employers balk at investing in health management programs because the keeping employees engaged in the program seems to have diminishing returns. This is when there is great excitement about the program at the beginning, but as the program continues, the participation numbers tend to wane. This can be true if the program is not entered into thoughtfully with the beginning, middle, and end result in mind. There is some organic truth to employees becoming less interested in wellness as their daily lives take precedent over everything else. If people had the discipline and ability to stick to a wellness plan by themselves, there would be little or no need for a corporate wellness program, not to mention the entire fitness industry which built upon the masses’ inability to stick to a wellness program by themselves. This being said, it should come as no surprise that people’s interest in your wellness program will wax and wane if you do not put in the proper rules of engagement.