Risk & Business Magazine Spectrum Insurance Fall 2019 | Page 2

PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR Tulip Media Group Erika MacLeod Jessica Embree Stacey Cowperthwaite CONTRIBUTORS Darrel Zaleski Amy Jo Martin Ari Meisel Neil Pasricha Joe Polish Scott Stratten Dr. Brad Smart Ann Handley Dan Frost Karen Hebert Larry Wicks Eivind Oland Darrel Zaleski ADVERTISING (Local) PHOTOGRAPHY All images sourced from Tulip Media Group or iStock.ca unless otherwise identified. 4233 Southtowne Dr. Eau Claire, WI 54701 877.858.9874 www.spectruminsgroup.com Spectrum Insurance Risk & Business Magazine TM is published by Tulip Media Group. All content, copyright © 2019, 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 Spectrum 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 Spectrum 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] 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 Spectrum 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 Toll Free: [phone], Fax: [phone] TulipMediaGroup