Risk & Business Magazine JGS Insurance Spring 2020 | Page 2

PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR Tulip Media Group Erika MacLeod Jessica Embree Stacey Cowperthwaite Alicia Ambrose ADVERTISING (LOCAL) CONTRIBUTORS Angela Duckworth Barry E. Fields Bernie Cosentino Conor Moran Dean Robert Graziosi Eric P. Wokas Gretchen Rubin Gwenyth P. Luu John DiJulius Michael Bungay Stanier Ross E. Rutman Ryan Fleming Shawn Hunter Steve Roderick Tony Rubleski Vanessa Van Edwards Vinnie Hager PHOTOGRAPHY All images sourced from Tulip Media Group or iStock.com unless otherwise identified. 16 feature VANESSA VAN EDWARDS GOAL SETTING CONTENTS 3 LETTER FROM THE PRESIDENT 4 DO YOUR JOB! JUST DO IT . . . 6 INDIVIDUAL MANDATE STILL APPLIES IN NEW JERSEY UNDER NEW STATE LAW 8 THE RISE OF SOCIAL INFLATION JGS INSURANCE Bell Works: 101 Crawfords Corner Road, Suite 1300, Holmdel, NJ 07733 JGSINSURANCE.COM JGS Insurance Risk & Business Magazine TM is published by Tulip Media Group. All content, copyright © 2020, Tulip Media Group. All rights reserved. Risk & Business Magazine TM is a valued and recognized trademark of Tulip Media Group. This publication may not be reproduced, all or in part, without written consent from the publisher. Every effort has been made to ensure the accuracy of all content in this publication, however, neither the publisher nor JGS Insurance will be held responsible for omissions or errors. Articles, reports and information contained herein reflect the views of the individuals who wrote or prepared them and do not necessarily represent the position of the publisher or JGS Insurance. The material herein is intended for educational and informational purposes only. Nothing herein is to be considered the rendering of insurance advice for specific cases or circumstances. Communication of any legal information contained herein does not constitute an attorney-client relationship, nor convey legal advice or recommendation of any kind. Do not rely on information contained herein to replace consultation with qualified brokers, attorneys or other professionals in your jurisdiction. Please address all editorial and advertising inquiries to Tulip Media Group, Email: [email protected]. Tulip Media Group is not held responsible for the loss, damage or any other injury to unsolicited material (including but not limited to manuscripts, artwork, photographs and advertisements). Unsolicited material must be included with a self-addressed, overnight-delivery return envelope, postage prepaid. Tulip Media Group and JGS Insurance will not give nor rent your name, mailing address or other contact information to third parties. Subscriptions are complimentary for qualified individuals. TULIP MEDIA GROUP 2 Toll Free: [phone] [email protected] | TulipMediaGroup.com 9 ARE SMILES REALLY FREE? John DiJulius 10 DEFEND YOUR MIND FROM THE CULTURE OF FEAR Tony Rubleski 12 WHAT WE CONSIDER A LIMITATION CAN BE A STRENGTH Gretchen Rubin 14 THE BETTER LIFE CHALLENGE Dean Robert Graziosi 20 YOUR STUBBORN OPTIMISM IS CONTRIBUTING TO YOUR SUCCESS Shawn Hunter 22 A FORMULA FOR GROWTH IN EXCELLENCE Angela Duckworth 24 FIVE THINGS YOU CAN SAY NO TO RIGHT NOW Michael Bungay Stanier 25 TODAY’S INSURANCE MARKETPLACE: BETWEEN A ROCK AND A HARD PLACE 26 WORKERS’ COMPENSATION & UNDOCUMENTED WORKERS 27 THE PRICE OF CONSUMPTION: PFAS AND LIABILITY 28 HOW TO FIX ANYTHING: PART 4—FINAL EDITION 29 TAKE PERIODICALLY AS NEEDED: IT’S NOT HARD, IT’S HABIT 30 A FLOOD? WHAT IF???