Risk & Business Magazine Nesbit Agencies Fall 2020 | Page 3

CONTENTS PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR CONTRIBUTORS ADVERTISING (Local) Tulip Media Group Erika MacLeod Carmen McKay Stacey Cowperthwaite Jay Nesbit Mike Michalowicz Mel Robbins Dr. Brad Smart Alisha Paradise Jay Nesbit 4 ASHLEY SCHAEFER CREATES WITH STYLE AND GRACE 6 PROFIT AND THE BUSINESS HIERARCHY OF NEEDS Mike Michalowicz 8 10 QUESTIONS TO HELP YOU VISUALIZE YOUR FUTURE Mel Robbins 10 YOUR APPROACH TO HIRING IS ALL WRONG Dr. Brad Smart 12 THE INCREASED RISKS OF CYBERCRIME: PROTECTING YOURSELF AT HOME 13 DIGITIZING BUSINESS IN A POST-COVID WORLD 14 IN THE DRIVERS SEAT Alisha Paradise PHOTOGRAPHY All images sourced from Tulip Media Group or iStock.com unless otherwise identified. WELCOME Welcome to the autumn 2020 issue of Risk & Business Magazine. Although companies continue to adjust to all the new ways of conducting business in the midst of the ongoing COVID-19 pandemic, many have found a temporary (and perhaps permanent) operating model that allows their businesses to continue to operate while protecting the safety of employees and customers. 5900 Rowland Rd., Minnetonka, MN 55343 Tel: [phone] Nesbit Agencies 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 Nesbit Agencies 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 Nesbit Agencies. 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 Nesbit Agencies will not give nor rent your name, mailing address, or other contact information to third parties. Subscriptions are complimentary for qualified individuals. A lot of this new business model has been facilitated through the use of technology, which has allowed a significant portion of the workforce to work remotely. While this has created new challenges around maintaining data security, it has also opened the door for new opportunities for businesses to grow. We will touch on both of these developments in this issue. With so many employees working remotely, cybercriminals have become even more aggressive in trying to exploit home computers and networks that may be less secure than that found in an office setting. Companies need to be diligent in ensuring that they have a secure infrastructure in place and, even more importantly, that employees are trained on best practices. On the other hand, there have been some positive developments that have created opportunities for more business to be conducted online. Quoting platforms for both personal and commercial insurance have been created and expanded. These platforms can be tailored to specific industries to save clients and agencies time in finding the right insurance coverage. Our article on the Internet of Insurance provides more detail on how this dynamic area continues to evolve. We appreciate the opportunity to share this valuable information with you. If you’d like more information on any of the topics or businesses featured in this issue of Risk & Business Magazine, we would love to hear from you. You can provide us with any feedback by sending your inquiries or comments to [email protected]. Thank you. Sincerely, Jay Nesbit, Operations NESBITAGENCIES.COM TULIP MEDIA GROUP Toll Free: [phone] [email protected] • TulipMediaGroup.com