There Just Aren’t Enough Hours In The Day

Knicki FijalPost written by Knicki Fijal, Account Executive – Personal Lines

How many of you have ever said or thought: “There just aren’t enough hours in the day”?  I know that I’ve reached the end of my day several times and thought this very thing…but how productive was I really?

I’ve never been what you’d call an “organized person” so workflow was kind of a struggle when I first joined the team at Krueger & James. Luckily, I work with a great team who have mentored me and really helped me become much more organized.

I’ve made some great progress these past few years, but it wasn’t until Deena shared a few chapters from a book she’d read called “The Happiness Advantage” that things really hit home.

What I read got me thinking of how I ACTUALLY spend each day and inspired me to start a work journal. I wrote down everything I did with the start/stop times for each task.

Two things happened:

1. It gave me a little more accountability (since writing it down made it seem a little more official). I stayed on task for longer periods of time but also realized I wasted valuable time on distracting activities. Having that time back would have helped me cross more things off of my list for the day.

2. I was better able to regain my focus after I’d strayed away for a few minutes.

When we allow ourselves to give into these distractions it depletes our focus. And most of the time it takes even longer for us to recover and get back to the tasks at hand. I noticed this very thing the second day I logged my activity. I’d been working away and then took a break to get some more water. I got back to my desk and watched the headlines scroll across for a few minutes and then, before I knew it, 10 minutes had passed and I had nothing to show for it.

So how do we stay focused all day when there are so many easy distractions?

Ticking clockHere are a few things I had to adjust to help me stay a little more focused and productive throughout my days:

1. Schedule a few breaks in your day.

Superhumans can probably work a continuous, nonstop day, but I need my break time. By scheduling it, I essentially focus just on the break and that time to myself. Then, when it’s over, I know its back to work.

2. Make some of the easy distractions harder to access.

My homepage is now Google so I don’t get sucked in by the headlines I used to see. I also removed the pop up box notifications I used to get for every new email. I deleted saved passwords that allowed easy access to sites like Facebook, LinkedIn, personal email, etc. Trust me, you’re more likely to resist the temptation if you have to manually log in every time.

3. Log every activity and the time it takes you to complete each one.

You might learn you’re not as productive with your day as you thought.  You will also be able to identify your areas of weakness and make adjustments to your daily routine.

In the end, I’ve definitely noticed that my productivity has increased and now I have a lot fewer days where I leave the office saying “There just aren’t enough hours in the day.”

Planning a Special Event? There’s Insurance for That.

Post written by Scott Pearson, General Manager at Krueger & James Insurance/Christian/Civil War Nerd/Future Scratch Golfer

Scott Pearson

Scott Pearson

Your mom and dad’s 50th wedding anniversary is coming up.

Your sister’s home is much larger than yours but it’s still not as large as you need.

The date is late January so an outside event won’t work.

Your church is booked so about your only option is The American Legion Hall or that cute event place downtown.

You make two calls and the Legion Hall is much less expensive so you book the date.

The lady tells you she’ll send you the paperwork to sign.

Great! That’s crossed off your list.

Next decision…sushi or chicken strips?

A few days later you get the paperwork from the Legion Hall. Yes, the price is the same as quoted. Yep, the date is correct.

But wait a minute. What are they talking about…what’s this “Special Event Insurance”?

$1,000,000 limit? Adding the American Legion as an “Additional Insured”? You think they must be kidding. Unfortunately they aren’t.

In this and many other situations, you can call your home insurance agent and he/she will likely tell you that your homeowners insurance won’t cover you for an event away from your premises. Your agent may be able to get you a quote, but it will likely be around $250 for the day. And if you have an open bar, you’re also required to carry Liquor Liability coverage and that’s another $100. And then the legion needs to be named as an “Additional Insured”. Tack on another $50.

Has this ever happened to you?

In the future, if you’re ever planning a special event away from your home, give us a call at 816-471-4245 and we’ll help educate you on what other options may be available.

K&J Health Insurance Product Provides Solution For DKI Association

Post written by Jason Forge, Insurance Agent | Avid Golfer | Service Above Self | Family Man

Jason Forge

Jason Forge

Recently, with the help of AAS Restoration Company and a great health insurance product, our agency was able to work with the DKI Association on offering health benefits to their members. DKI is the largest disaster restoration contracting organization in North America

We attended their conference in New Orleans this year and for three days we were able to discuss our relationship with DKI and what we can offer to their members.

I’ve found that it doesn’t matter where you go or who you talk to, the same problems arise. So many people and companies don’t know what to do with all of the health insurance challenges that have come about as a result of the Affordable Care Act.

Most of the companies I’ve been speaking with can’t get over the rising cost of health insurance and don’t know if they should continue to offer health insurance to their employees.

Thankfully, our health insurance product has given them a solution.

Many of the companies I talk to are having trouble finding a health insurance product that complies with the Affordable Care Act from a company that will still underwrite their group.

DKI logoWhat we offer at Krueger & James allows us to offer cost-saving solutions so employers won’t have to get rid of their health insurance if they qualify.

If you find yourself thinking about this same problem and would like to discuss what options you have available to you, contact us today at 816-471-4245.

5 Questions To Ask Before You File An Insurance Claim

Brad JamesPost written by Brad James, Customer Service Representative 

If you’re lucky, you’ll go through your entire life without having to file an insurance claim. But chances are most of us will experience this at some point in our lives.

If you ever find yourself in a situation where you think that an insurance claim needs to be filed, we recommend you consider the following:

5 Important Questions To Ask Before You File An Insurance Claim

1. What type of claim is it?
Is it only damage to property or was someone also hurt? If the answer is someone was also hurt, forget all of the other questions below and call your insurance broker immediately. Don’t ever try to solve it on your own.

2. What is your deductible?
If the estimate for damages is below or right at your deductible, consider paying for them out of pocket. Get an estimate before a claim is filed (only if the damage is minor, of course).

5 Questions3. How will this claim affect my premium?
Depending on the type of claim and the insurance company, a claim can affect future premiums. For example, some insurance companies will not “ding” you for a hail or wind claim. The rationale is that it’s not your fault you live where the weather impacted you. It’s always a good idea to check with your agent on this before filing a claim.

4. Is there another way to pay for the damage?
Consider whether you have a home warranty (for say a damaged appliance) or if you have AAA for towing or roadside assistance.

5. Who has the damaged property?
If you have a tree from your yard that hits your neighbor’s house or if you back into a family member’s car, these can be sticky situations. Just be careful that you don’t ruin a relationship over trying to solve the problem yourself.

Any time you’re hit with a potential claim, it can be tough to figure out what to do. So before you immediately think you need to file a claim, it’s always good to ask yourself these 5 questions.

If you have questions about this or other insurance questions, give us a call at 816-471-4245.

A New Health Insurance Option For Small Business Owners

Post written by Deena James, President of Krueger & James | Service Above Self | Proud Grandmother | Woman of Faith | Chiefs Fanatic

If you’re like most small business owners, you probably feel stuck dealing with high health insurance premiums as you try desperately to continue to provide a valuable benefit for your employees.

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