Bates Hewett & FLoyd Recent Articles

Insurance, Risk Management and Financial articles

5 Strategies for Reducing Health Benefits Costs in 2022

Benefits Insights Brought to you by the insurance professionals at Bates Hewett & Floyd Insurance Agency 5 Strategies for Reducing Health Benefits Costs in 2022 For the past two decades, health costs have increased each year. This happens for a variety of reasons,...

Live Well, Work Well with BHF

Coping With Pandemic Financial Stress Many households were stressed about their finances before the pandemic, but the past year has remained just as challenging. As a result, many Americans are still financially stressed out, which can negatively impact their mental...

Aging Buildings: HVAC Systems

Commercial Insights   Aging Buildings: HVAC Systems Heating, ventilation and air conditioning (HVAC) systems are integral to achieving thermal comfort and acceptable indoor air quality in buildings. As a building ages, its HVAC system must be maintained and updated to...

Structural Issues and Aging Buildings

While modern building codes and structural engineering have made buildings extremely safe, facilities managers must maintain a high level of upkeep for them to remain that way. As buildings age, they can lose their structural integrity. As such, if simple repairs are...

Ransomware Attacks Reach All-time High in Q4 2020

Ransomware attacks spiked in 2020 as the fear and chaos of COVID-19, combined with the transition to remote work, provided an abundance of opportunities for cybercriminals. Advisen data shows ransomware attacks reached an all-time high in 2020, with a particular...

Practicing Slip and Fall Prevention

Practicing Slip and Fall Prevention A janitorial employee was scrubbing the steps and floors with water and a cleaning agent. An observant worker realized that soon, dozens of employees would be going down these steps for their lunch break. This person then took the...

How to Avoid Heat Illness

Avoid Heat Illness When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool Follow the...

What is a Pharmacy Benefit Manager?

What is a PBM?  A Pharmacy Benefit Manager is a third-party administrator of prescription drugs for health plans. Every health plan has one, but many of us do not know who they are and how they operate. I think we can all agree the cost of prescription drugs is out of...

Cyber Risks & Liabilities

The Importance of a Standalone Cyber LIability Policy Over the course of the past decade, many organizations have relied on standard property and liability coverage rather than a standalone cyber insurance policy to provide protection for cyber incidents. In fact, a...

Risk Management: Dash Cameras for Commercial Vehicles

So you installed a Dash Cam, now what? One new trend we have seen continued growth in over the past few years is the installation of vehicle-mounted dash cameras.  These cameras typically face out the front of the windshield but rear and driver-focused cameras can...
5 Strategies for Reducing Health Benefits Costs in 2022

5 Strategies for Reducing Health Benefits Costs in 2022

Benefits Insights Brought to you by the insurance professionals at Bates Hewett & Floyd Insurance Agency 5 Strategies for Reducing Health Benefits Costs in 2022 For the past two decades, health costs have increased each year. This happens for a variety of reasons,...

Live Well, Work Well with BHF

Live Well, Work Well with BHF

Coping With Pandemic Financial Stress Many households were stressed about their finances before the pandemic, but the past year has remained just as challenging. As a result, many Americans are still financially stressed out, which can negatively impact their mental...

Aging Buildings: HVAC Systems

Aging Buildings: HVAC Systems

Commercial Insights   Aging Buildings: HVAC Systems Heating, ventilation and air conditioning (HVAC) systems are integral to achieving thermal comfort and acceptable indoor air quality in buildings. As a building ages, its HVAC system must be maintained and updated to...

Structural Issues and Aging Buildings

Structural Issues and Aging Buildings

While modern building codes and structural engineering have made buildings extremely safe, facilities managers must maintain a high level of upkeep for them to remain that way. As buildings age, they can lose their structural integrity. As such, if simple repairs are...

Ransomware Attacks Reach All-time High in Q4 2020

Ransomware Attacks Reach All-time High in Q4 2020

Ransomware attacks spiked in 2020 as the fear and chaos of COVID-19, combined with the transition to remote work, provided an abundance of opportunities for cybercriminals. Advisen data shows ransomware attacks reached an all-time high in 2020, with a particular...

Practicing Slip and Fall Prevention

Practicing Slip and Fall Prevention

Practicing Slip and Fall Prevention A janitorial employee was scrubbing the steps and floors with water and a cleaning agent. An observant worker realized that soon, dozens of employees would be going down these steps for their lunch break. This person then took the...

How to Avoid Heat Illness

How to Avoid Heat Illness

Avoid Heat Illness When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not enough and the result can be a heat illness. Staying Cool Follow the...

What is a Pharmacy Benefit Manager?

What is a Pharmacy Benefit Manager?

What is a PBM?  A Pharmacy Benefit Manager is a third-party administrator of prescription drugs for health plans. Every health plan has one, but many of us do not know who they are and how they operate. I think we can all agree the cost of prescription drugs is out of...

Cyber Risks & Liabilities

Cyber Risks & Liabilities

The Importance of a Standalone Cyber LIability Policy Over the course of the past decade, many organizations have relied on standard property and liability coverage rather than a standalone cyber insurance policy to provide protection for cyber incidents. In fact, a...

Risk Management: Dash Cameras for Commercial Vehicles

Risk Management: Dash Cameras for Commercial Vehicles

So you installed a Dash Cam, now what? One new trend we have seen continued growth in over the past few years is the installation of vehicle-mounted dash cameras.  These cameras typically face out the front of the windshield but rear and driver-focused cameras can...

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