Vermost Insurance Agency - June 2021

Vermost Insurance Agency - June 2021

Protection Team News MORE BIG NEWS Insurance Updates, Vaccinations, and More!

VOL 13, ISSUE 5

Big News: Insurance Updates, Vaccinations, and More! Page 1 Four Kitchen Gadgets — Expert Recommended Page 2 Business Interruption Insurance — Is It Necessary? Page 2 Did You Know ... Page 2 Three Professional Development Resources You Will Actually Enjoy Page 3 Check Out Our Referral Program! Page 4 Wacky June Holidays Page 5

Wow, so many things have changed since my last article. I’ll try to cover all the big items for you. Last month, I mentioned that the legislature was in session and insurance would be a big emphasis. Well, it was! It was nip and tuck all the way until the last two days, just like every other year. But this year, the legislature tackled both

a major hurricane this year. Stay tuned for more information as I get it. Enough of the doom and gloom; let’s talk about more exciting things. Our office is back open to see clients in person, face to face. It’s been a long 14 months … Most of our team is now fully

vaccinated, the governor has eliminated all local orders, and the COVID-19 infection rates are going down quickly since so many people are getting vaccinated in Pinellas County. I can say from personal experience that my entire family has received both doses, and we are breathing a big sigh of relief after being vaccinated. Let’s keep getting those shots to get rid of this nasty virus and get back to a “normal” life again. One more big news item was the signing of the last remaining Bucs Championship roster starter Antonio Brown.

auto and home insurance and passed sweeping changes that are on the governor’s desk just awaiting his decision. I can safely say that if the governor signs the auto insurance legislation, all of our clients will be getting a refund as the no fault (personal injury protection) will no longer be needed. Since all of our clients carry bodily injury coverage, there will be no required purchases to be in compliance! Fingers crossed the bill gets signed. The legislature also passed a number of items trying to address the crisis that

April showers bring May flowers.

All 22 players from the Super Bowl team are coming back to try and repeat the feat again this upcoming season. This is the first time this feat has been done since 1973. Hopefully it all works out, as we would like to see a Super Bowl parade in person to celebrate without any restrictions. Let’s go, Lightning and Rays! Until next month, –Darren

homeowners are experiencing; but if signed, those changes will take some time to see if they really help the situation. The homeowners’ market is getting smaller again with another insurance company going insolvent. Plus, two other insurance companies received approval to drop almost 40,000 policies mid-term. We are not even in hurricane season yet. Buckle up — it’ll be a very bumpy ride again, just like 2007–2008. It could get worse if Florida is hit by

Word Search Page 5

Iced Green Tea, Two Ways Page 5 April Referral Rewards and Puzzle Winner! Page 6

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Toll free (800) 828-2226 Fax (727) 577-4991

www.vermost.com [email protected]

WHAT’S THE STORY WITH BUSINESS INTERRUPTION INSURANCE? asd Do you need business interruption insurance? That’s the kind of question only certain people have to answer: entrepreneurs, CEOs, business owners, and those who call the shots that drive a business forward. Many of them have already formed an opinion on this kind of policy, but it can cost money if you’ve decided against interruption insurance and a tragic property loss occurs. “This is a nice place. Sure would be a shame if there were a fire or something.” This may be an old mob movie cliche, but it also represents the situation many businesses are in if they rely on infrastructure like a warehouse or production facility to get work done. Unfortunately, in many cases, those kinds of structures really are prone to fire or other accidents, depending on the work your business does. If that occurs, you may find yourself in real trouble. All of that equipment represents overhead cost — money spent before you can even see a dime. And if something happens to it, those dimes will dry back up. You’ll end up with costly repairs and no way to start recouping those costs until your infrastructure is back in working order.

4 KITCHEN GADGETS THAT WORK An Expert’s Recommendations! A great kitchen gadget (like a food processor) should save you time and effort. But not all kitchen gadgets deliver that, especially for people who suffer from dexterity problems or arthritis. Thanks to kitchen product design expert Dan Formosa (his past designs include many OXO products), here are a few gadgets he’s tested and loves — and will definitely make anyone’s life a lot easier. ZYLISS Easy Pull Food Chopper and Manual Food Processor Hate the noise of traditional processors? This manual food processor works like a charm: Put food in its 26-ounce container, close the lid, and pull the cord with its easy-to-hold handle (which connects to a blade inside the container). Voila! Your food is chopped. It only takes a couple of pulls to finely dice your veggies into a delicious salsa. Formosa especially loved how compact it is for storage. Coco Jack Eating coconut can be a healthy treat, but it might be intimidating for most home cooks — how are you supposed to open it? Enter the Coco Jack. It requires some force, but it’s much easier and less dangerous than using a knife, especially a dull knife. Just align the circular tool on your coconut and slamwith a hammer to create a hole. Chef’n Strawberry Huller Let’s say you want to remove the pithy center and leaves of a strawberry to create a whipped cream-filled strawberry. Why? Well, why not? This strawberry huller tool is easy to use and highly effective for dessert makers or anyone who wants to make attractive and creative strawberry treats. ICU Egg Topper and Cracker Do you want to present a soft-boiled egg to your guests in an aesthetically pleasing way? With just a pull of a handle and release, this tool cracks the top of the egg so cleanly that you can lift it off in one piece with your hand! Then, add your toppings and serve. Kitchen gadgets are best when they help us make our food preparation just a little easier and fancier, and these definitely get the job done. We hope you love these as much as we do!

Vermost Insurance now has a relationship with Chuck Chucri who offers Financial

Planning & Investment

Did You Know ...

Advisory Services.

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

Depending on your policy of choice, business interruption insurance can cover some or even all of your income costs during this time. It won’t cover the repairs to the damaged warehouse — you’ll have to use your other insurance policies for that — but it will guarantee that you continue to see roughly the same gross income as before the accident. Among other things, this means that in the event of a tragedy, you can continue to pay your employees, which are your human capital and represent your most valuable investment. If you shut down for repairs and cannot afford to pay them until they can work again, that investment is going out the door and over to the competition. Business interruption insurance fixes that.

With 3 Easy Professional Development Methods Improve Your Skill Set A lifelong learner mentality is often lauded as a habit of successful people, but far too many professional development courses are geared toward entrepreneurs, CEOs, and managers. However, you don’t need a leadership title to benefit from this knowledge. Dip your toe into the professional development waters with these three tips for seamlessly incorporating learning into your life. Go to school with the pros. If you could harness the knowledge of world-leading experts, wouldn’t you want to? Platforms like MasterClass, LinkedIn Learning, and Skillshare offer expert knowledge in bite-size courses that users can take at their own pace. Learn how to write fromMalcolm Gladwell or Roxanne Gay or master the art of negotiation from FBI hostage negotiator Chris Voss. (And for fun, become a chef with Gordon Ramsay!) Commit to one video chapter each week or listen as you do household chores. Just spend a fewmoments afterward reflecting on the content so it can soak in. Download apps for quick learning. There may be points when you are just too busy or find that starting a new class or habit is difficult. Don’t quit; instead, look at your smartphone. Download apps like Libby — an app connected to local libraries where users can check out audiobooks or read digitally — to get a quick, easy fix of professional development. You could also try podcasts on Spotify, Stitcher, or Apple Podcasts. There are plenty of short episodes that focus on professional development. Track your progress. With so many options, classes, and tools available to you, it can be overwhelming to set, track, and meet your professional development goals. That’s where habit trackers can help! Whether you prefer to use pen and paper for journaling or download an app for digital tracking (try Coach.me or Habitify), a habit tracker allows you to see tangible progress and identify areas of improvement. Bonus Tip: Find a mentor or buddy to do professional development with you! Everything is easier with a friend, and whether you need someone to hold you accountable or are looking for support from someone wiser than you, someone by your side may be just what you need.

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner

Prudential Advisors Prudential.com/advisor/chuck-chucri

Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.

1007626-00003-00

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

2021

INSPIRING HAPPINESS!

2020 REFERRAL WINNER!

We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.

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1200 Belcher Rd. S., Suite 1 Phone: (727) 748-2886 1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886 Largo, FL 33771-3315

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Wacky June Holidays

• Flag Day, June 14 • Bloomsday, June 16 • National HVAC Tech Day, June 22 • International Day of the Seafarer, June 25 • International Asteroid Day, June 30

• Global Day of Parents, June 1 • National Leave the Office Early Day, June 2

• National Cheese Day, June 4 • National Prairie Day, June 5 • Prince’s Birthday, June 7 • National Loving Day, June 12

WORD SEARCH

ICED GREEN TEA, TWO WAYS

Inspired by 101Cookbooks.com

Nothing says summer like a glass of iced tea. Enjoy these two twists on a classic summer soother.

Ingredients

• 2 tbsp loose-leaf green tea • 4 cups filtered water, divided Option 1: Rose and Coriander • 1 tbsp dried rose petals • 1 tbsp whole coriander seeds Option 2: Ginger Mint • 1 handful fresh mint leaves • 1 inch fresh ginger, cut into coins

Directions

For Rose and Coriander Tea: 1. In a large pitcher, place green tea, rose petals, and coriander seeds. 2. Bring 1/2 cup water to just below boiling. 3. Pour hot water over tea leaves, petals, and seeds. Let steep for 10 seconds, then add the remaining 3 1/2 cups water. 4. Refrigerate 4–8 hours until tea reaches your desired strength. Strain and serve over ice. For Ginger Mint Tea: Follow the instructions above, substituting the mint leaves and ginger coins for the rose petals and coriander seeds.

Adventure Camping Father Gemini Hiking Juneteenth

Park Picnic Pride Sandals Sunburn Swimming

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886

INSIDE THIS ISSUE

You Make Us Happy

We insure more than just cars & homes. Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing! We hope our referral program makes you happy, too! People who referred clients to us in March:

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builders risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › I.D. theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Mary Sandlin Jay Beyrouti Deborah Pearcey Karen Frohlich Theodora Campelli Rosanne Georgia Jennifer Pickering Malenda Scott Nichelle Morris Theodore Schofner PA Joan Walker

Ken Sheibley Jay Beyrouti William Bragdon Erika Fitch Virginia Savage Ashley Lepper Pablo Arriola Kit Van Pelt Coral Noel Susan Anderson

May Puzzle Winner: Jeff Silverstein

› Umbrella › Workers'

May Referral Winner: Ashley Lepper

Compensation

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886