Risk & Business Magazine Nesbit Agencies Spring 2020 | Page 3

CONTENTS PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR CONTRIBUTORS Tulip Media Group Erika MacLeod Jessica Embree Stacey Cowperthwaite Keith Ferrazzi Chris Voss Deb Gabor Jay Nesbit Wayne Nesbit 4 KR BRICK & STONE Stone Aesthetics 6 FIX YOUR DEALS DURING THE CORONAVIRUS FALL-OUT Chris Voss 8 PRACTICE SALES DISTANCING Deb Gabor 9 VIDEO CONFERENCING Keith Farrazzi 12 STEPS TO TAKE WHEN YOUR SYSTEM GETS HACKED Wayne Nesbit 14 BEFORE AND AFTER COVID-19 ADVERTISING (Local) PHOTOGRAPHY Jay Nesbit All images sourced from Tulip Media Group or iStock.com unless otherwise identified. 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. TULIP MEDIA GROUP Toll Free: [phone] [email protected] • TulipMediaGroup.com The world has changed quite a bit since the last issue of Risk & Business magazine a few months ago, and a lot of changes and uncertainty are yet to come. As businesses start looking to reopen in a COVID-19 world over the coming weeks, things will be much different than they once were. Each industry has been and will be impacted differently. Some lucky businesses have seen increased demand. But most have experienced a negative impact, and some businesses will be faced with the decision of whether or not to close permanently. These are difficult times, and all businesses are going to have to make adjustments in order to continue operating. Not all businesses will need to make physical changes to building layouts in order to protect employees and customers, but all businesses need to ensure response plans are in place and employees are educated on observing rules around hygiene, sanitation, and social distancing. Many companies now have a majority of their employees working from home. A surprising number of these companies have found that their businesses can be conducted effectively with a remote workforce. This will certainly have an impact on future investments in office space and technology. However, there will always be a need for face-to-face interactions for people to effectively connect with customers and fellow employees, so eventually, we’ll need to find a way to make that a reality in the future. Specific to the insurance industry, a lot of questions are being asked about coverage under workers’ compensation, business interruption, employer liability, and health insurance plans. In these unprecedented times, it is important for businesses to work with their agents to understand what their insurance program entails, what may or may not be covered by insurance, and what steps companies should be taking to manage risk and limit liabilities. With each issue of Risk & Business magazine, we try to cover at least one line of insurance in a little more detail to help businesses better understand the world of insurance and to determine if a certain type of insurance might be necessary for their specific business or industry. 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, we would love to hear from you. You can provide us with feedback by sending any inquiries or comments to [email protected]. Thank you. Sincerely, WELCOME Jay Nesbit, Operations NESBITAGENCIES.COM