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5 Things You Should Know About Getting Sued

Lawyer's fine suit coat

If you’ve recently heard the words “you’ve been served,” you more than likely have a lot of questions about what to do next. Here are 5 things you should know about getting sued, to help you prepare for the worst should a lawsuit be filed against you or your company.

  1. Don’t Admit You’re at Fault

Admitting you are at will fault will only make for a stronger case against you. While you might feel like it’s the right thing to do, you may only be partially at fault— if at all. Regardless of if you are at fault or not, admitting it to the plaintiff makes a big difference in the courtroom.

  1. Act Quickly, Make Deadlines, and Gather Documentation

One of the worst things you can do is pretend you weren’t ever served. You must act quickly as every lawsuit has strict deadlines, some of which need responses in a matter of days. If you fail to respond or file appropriate documentation before a deadline passes, the consequences can be severe.

Once you’ve addressed all the deadlines, start gathering the appropriate documentation that will be relevant to your case. Any letters, emails, photographs, contracts, invoices, or bills that can be used as evidence should be saved and photocopied.

  1. Meet with an Attorney

While you need to act quickly and address deadlines, meeting with a reputable lawyer who can guide you will definitely ease some of your stress. Ask family and friends or trusted business associates for good recommendations and do your research. If your case falls under the general liability category, you may not want to hire a divorce lawyer to represent you. And if you don’t have the funds to hire a lawyer outright, discuss possible payment options with several attorneys as they will often work with your situation.

  1. Explore Settlement, Mediation, and Countersuit Options

Some items that should be up for discussion with your attorney include settlement, formal mediation, or even filing a countersuit (though this option will likely increase tension). Keep in mind that most cases can be settled outside of the courtroom, but it is always wise to explore every option available to you.

  1. Protect Yourself with General Liability Insurance Beforehand

General liability insurance is a specific insurance that protects you or your business against liability claims for bodily injury and/or property damage. If you are sued and have this type of insurance in place, it will pay for any damages, awards, and often a portion, if not all of, the expenses. General liability insurance limits your risks and typically covers damage to properties, bodily injuries, injury related to advertising, and slander/libel or personal injury cases.

Heuer Insurance specializes in general liability in Reno, Nevada. Give us a call today to consult with an insurance specialist.

5 Common Causes Of Accidents In Nevada

Nevada girl crosses street

Each year, nearly 300 Nevada residents die in fatal car accidents. Similarly, more than 1,000 people are severely injured in motor vehicle accidents annually, across the state.  Even with campaigns like Zero Fatalities, a state initiative to encourage safe driving, and the Highway Safety Performance Plan, Nevada still has a substantially high accident rate.


Interestingly enough, the leading reasons for many Nevada car accidents aren’t as common as you might assume. Though drunk driving, driving impaired, and inclement weather all present a real threat, the following five factors are most common for car accidents in Nevada.


  • Failure To Stay In The Proper Lane

Every year, more than 40 people are killed in crashes that occur when someone does not remain in the proper lane. Authorities also credit this common mistake to more than 5,000 car crashes annually. Failure to stay in the proper lane is also often referred to as an improper lane change but can also include a driver drifting or merging out of his or her current lane and into the path of another or oncoming vehicle. Be sure to stay within your lane and remain focused at all times. Double check before changing lanes, always use your turning signal, and do not drive if drowsy or distracted.

  • Running Stop Signs

Police report that more than 700,000 car accidents occur annually at stop signs. Many accidents involve rolled-over vehicles, side-impacted or “t-boned” cars, and car-pedestrian collisions. Running a stop sign in Nevada is punishable with a $1,000 fine and up to four points on your driving record. Stop signs should never be ignored. Be sure to come to a complete stop and look both ways before proceeding.

  • Failure To Yield The Right-Of-Way

Another common cause of car accidents in Nevada occurs when drivers fail to yield to another’s right-of-way. This mistake costs the lives of nearly 25 people each year and an average of 6,500 crashes total. Right-of-ways are present at intersections, four-way stops, three-way intersections, left-hand turns, stop signs, pedestrian crossings and yield signs. The best way to avoid a right-of-way collision is to thoroughly understand the laws and regulations.

  • Reckless Driving

Drivers who fail to heed traffic signals or drive too fast for conditions are often the cause of many Nevada accidents. Reckless driving is credited for more than 4,200 accidents every year and causes around 20 deaths annually. Understand the conditions in which you are driving; if you feel uncomfortable driving in inclement weather, at night, or in heavy traffic consider waiting for better conditions. Similarly, make sure you follow the advice of all road signs. For example, if a sign cautions you to slow before a tight turn – slow before the tight turn.  

  • Finally, the most common cause of accidents in Nevada: Distracted Driving

The most common cause of accidents occurs at the hands of a distracted driver. With Nevada being home to some of the nation’s most spectacular scenery and breathtaking cities, it’s easy to get distracted. Avoid using your cell phone, sending a text message, tinkering with the stereo or even eating messy foods while driving. Furthermore, pull over to take photos or sight-see.

Be sure you, your car and your passengers are adequately protected from car accidents with a reliable auto insurance policy. As the leading car insurance company in Reno, Nevada, Heuer Insurance Agency works with you to create a tailor-made policy that fits your wants and needs. Contact us today to consult with one of our agents.

5 Things You Probably Didn’t Know about Umbrella Insurance

Umbrella blocking water

Generally speaking, umbrella insurance offers an extra layer of liability protection and peace of mind should you find yourself responsible for an accident with substantial costs. However umbrella insurance is more beneficial for some people than others, and there are some exclusions you may not know about that would be important for your specific situation.

To learn more about umbrella insurance and if it would be a good fit for you, here are five things you probably didn’t know about umbrella insurance.

1.     There are Certain Risk Factors That Could Impact Your Coverage

Perhaps the most attractive aspect of an umbrella policy is the liability coverage, because we all know how expensive lawsuits can be. However some people are more prone to lawsuits than others. Here are some risk factors for people likely to be involved in a lawsuit and who should consider purchasing umbrella insurance:

  • Those who have a long commute
  • Those who regularly travel during rush hour
  • Those who own dogs
  • Those who have a swimming pool, trampoline, or outdoor jungle gym
  • Those who entertain others frequently

2.     Not All Lawsuits Will Be Covered

As previously mentioned, lawsuits are one of the main reasons to consider purchasing umbrella insurance. Once the limit has been paid out for your primary liability coverage, the rest can be covered by your umbrella policy. The exception to this is if you commit a crime or an intentional act of harm. This includes sexual harassment, discrimination, intentional bodily or property harm, or damages from driving under the influence. Umbrella insurance is meant to protect you from accidents, even if you’re at fault, but not malicious acts.

3.     “Attractive Nuisances” Could Influence Your Coverage

This is the term for features or equipment on your property that can be hazardous. These include swimming pools and hot tubs, trampolines, swing sets and outdoor jungle gyms, and sports equipment. Your umbrella insurance will cover personal and property injury sustained from attractive nuisances.

4.     Dog Owners Could Benefit from Umbrella Insurance, but Some Breeds May Not Be Covered

Dog bites are more common and harmful than you may think. More than one-third of all homeowner’s insurance liability claims are from dog bites and dog-related injuries. Although the liability coverage from your primary insurance may cover dog bites, it’s important to realize that some dog-related injuries require reconstructive surgery as well as compensation for lost wages, etc. This is when umbrella insurance will save you. Additionally, some dog breeds are excluded from coverage and should be inquired about if you suspect your breed may not be covered. You may purchase a rider in this situation.

5.     You Might Need to Purchase Additional Riders to Adequately Protect Yourself

Although umbrella insurance is meant to cover those who are injured on your property, there are some scenarios that may not be covered. Domestic workers, such as nannies or housemaids who do not have their own insurance, are likely not covered by yours either. In this situation, do not assume your umbrella insurance will cover them if they fall down the stairs or receive other injuries on your property. In this situation, you will need to speak to your insurance agent about acquiring a special rider to further protect yourself.

Learn More

Even if you are free from the above risk factors, accidents can and do happen to even the most cautious individuals. The safest thing you can do is be well-insured to protect yourself from even the most unlikely of accidents. To learn more about umbrella insurance in Reno, visit the professionals at Heuer Insurance Agency.

Should You Insure Your Family Pet?

A dog lying on its stomach looking sad

In a country of pet-lovers but also ever-advancing technology, it can be quite expensive to provide medical care for your pets. All of the advances in technology mean that new and improved procedures and equipment are available to help your pet return to and maintain good health, but also come with a cost.

Fortunately, you have some options to help you cover those costs, including pet insurance. Check out these facts about pet insurance to help you decide if it’s right for you.

What does it cover?

Here are the basics of what pet insurance will cover:

  • Death

Whether your beloved pet passes from illness or accident, your insurance policy can cover what your pet is worth monetarily.  However this coverage usually only applies to pets under a certain age, generally 7-10 years old for cats and 7-8 years old for dogs. Other costs associated with death that may be covered including euthanasia, cremation, and burial coverage.

  • Dental coverage

Usually this coverage only applies to dental problems caused by accidents, but make sure you understand what kind of coverage you have when you take out a policy.

  • Promotional materials for missing animals

If your animal is lost, the cost of advertising materials can be covered by insurance.

  • Liability

If your animal injures someone else or damages their property, the expenses can be covered by your pet insurance policy.

  • Overseas travel

If you travel internationally and your pet becomes ill, your insurance can cover their care.

  • Cattery/Kennel fees if you are hospitalized.

You typically must be hospitalized for a minimum of 2-4 days for this coverage.

Pre-existing conditions are almost always excluded, as are routine or preventative care. Pregnancy and birth-related care is also usually excluded.

What types of policies exist?

There are a few different kinds of policies you can choose from, including:

  • Lifetime

This is the most comprehensive coverage without time limits for illnesses.

  • Non-lifetime coverage.

If you have a dog who’s breed is more susceptible to a certain condition, you can take out a policy for that specific condition with or without a time limit.

  • Accident-only coverage.

This coverage would only pay out for accidents such as car accidents, dog attacks, etc. No illnesses are covered.

What about older or sick pets?

Most companies will not insure pre-existing conditions. Premiums also tend to rise each year for older pets. These facts are important to know because if you find your premiums really expensive and find that another company offers lower premiums, you may not be eligible for the other insurance for pre-existing conditions and the company may exclude older animals altogether.

Is pet insurance affordable?

With several policy options to choose from and so many condition-specific policies available, there is a large price range in pet insurance policies. Some policies are even priced based on the specific breed, if you have a breed that is generally more susceptible to health problems. If you spay and neuter your pets, or purchase coverage when they are very young, then you may be able to lower the costs of pet insurance.

For more information on pet insurance or to get quotes, visit us at Heuer Insurance Agency in Reno, Nevada to have all of your insurance questions answered.

6 Tips For Cutting Winter Heating Costs


Heating your house during the cold winter months can be a pricey necessity. And with El Niño casting a colder-than-normal winter on the southern states this year, taking the necessary measures to keep your heating bill as low as possible is important. These six tips can help.

1.     Seal All Air Leaks

By properly sealing all air leaks, you can save 10% or more on heating bills; that’s typically anywhere from $50 to $170 a year in savings. Drafts can occur in the following areas:

  • Electrical boxes: electrical outlets in exterior walls are known for being drafty without proper insulation. Remove all cover plates and fill the gaps around the boxes with acrylic latex caulk. Replace the foam gasket and the cover plate before using the outlet.
  • Holes in exterior walls: pipes, gas line and electrical cables frequently have gaps due that lead to drafty air leaks. Seal these gaps with expanding foam.
  • Worn weatherstripping: did you know that 7 to 12 percent of heat loss comes from windows and doors? By replacing worn and torn weatherstripping and caulking around doors and windows, you can cut back significantly on lost heat.

2.     Reverse Your Ceiling Fan

Contrary to popular belief, ceiling fans can actually help keep your home warm in the winter. If you set your fan to spin clockwise on a low speed, you can push the warm air that’s trapped at the ceiling down, and spread it throughout your home. By following this simple tip, you could save as much at 15% on your heating bill.

3.     Lower Your Hot Water Temp

There is a good chance that your water heater is factory-set at 140 degrees Fahrenheit, but the Department of Energy suggests to dial back the temp on your water heater to 120 degrees.  Not only will that be sufficient for taking showers, doing laundry and washing dishes, but you can also save 6 to 10 percent on water heating costs as well.

4.     Buy A Portable Furnace

Consider buying a portable space heater and set it in frequently used rooms, like the living room or the kitchen. Even though the rest of your home might be cooler, the places you’ll be spending most time will be warm and you can turn down your thermostat.

5.     Get A New Thermostat

Outdated thermostats can actually be costing you money. Consider purchasing a programmable thermostat. By turning down the temperature 10-15 degrees for eight hours a day – like when you’re at work or while you’re sleeping – you can save significantly on your monthly heating bill. Better yet- programmable thermostats are incredibly affordable, with models starting around $25.

6.     Open Blinds

Keeping blinds and curtains shut during shaded or nighttime hours can significantly reduce heat from escaping through leaky windows. However, by opening these blinds when the sun is shining through your windows, you can use the natural light to heat your home. This added heat increases the temperature inside your home and prevents your heater from overworking.


For more information on how to properly care for and insure you home, visit Heuer Insurance Agency. Since 1929, Heuer has been serving homeowners in the Reno, NV area with reliable insurance coverage and friendly service. To learn more tips for keeping your home in good condition, visit the Heuer Insurance blog.


Run Yourself to Happiness

Harris Interactive third annual Work Stress Survey reported that eight out of every 10 American workers are stressed by their jobs. Last year, the report showed that a shocking 73 percent of Americans were stressed at work; this year that number has jumped by more than 10 percent, leaving just 17 percent of workers unaffected by the stresses of work.


This report highlights a critical epidemic in our society: stress is becoming our nation’s biggest deterrent of happiness and satisfaction. Every aspect of the human body is negatively effected by stress – from the respiratory and cardiovascular systems, to the central nervous system, to the digestive, reproductive and muscular systems, to the immune system and the brain – stress as the ability to completely override our bodies, which suppresses our pursuit of happiness and negatively effects our quality of life.


It’s time to put an end to the suffering of stress. Before you spend immense amounts of money on anti-stress measures like medications, therapy and more, consider investing in a pair of tennis shoes and a gym membership. That’s right – by making an effort to exercise on a regular basis, you will find yourself becoming less stressed, less anxious and happier. Here’s how it works:

1.     Dopamine: The Happy Chemical

Dopamine, or “The Happy Chemical: is a neurotransmitter in the brain that’s responsible for producing happy, pleasurable feelings. The older we get, the more dopamine we loose, making our brains more susceptible to feelings of stress and anxiety. However, exercises like running, lifting, jumping, playing, dancing and generally increasing your heart rate, triggers the release of dopamine in your brain – making you happier and less stressed.

2.     BDNF: The Positive Protein

When you’re stressed, your body experiences several different reactions: blood pressure rises, heartbeat increases, chest tightens, etc. As you begin to exercise, you experience very similar feelings, which tricks your brain into thinking that you’re either fighting stress, or fleeing from it. To protect yourself and your brain from this fight-or-flight concept, you release a protein called Brain-Derived Neurotropic Factor, or BDNF. This protein has both protective and reparative effects on your memory neurons and acts essentially as a reset switch, which leaves us feeling calmer, clearer and happier after exercise.

3.     Endorphins: The Road to Euphoria

The other vital chemical in the fight against stress is called endorphins. This chemical is released to minimize the discomfort of exercise or block the feeling of pain. Endorphins are also heavily associated with feelings of euphoria, which bring sparks of intense happiness and ease to a stressed-out brain.


These chemicals and proteins play a big roll in what happens to our brain when we fight stress and unhappiness with exercise. It’s important to remember, however, that exercising more or exercising harder isn’t necessarily the key to happiness: it’s when you exercise that’s important.


A study from Penn State suggests that starting your day with 20 minutes of running or exercise will lead to the highest levels of happiness and productivity. With 20 minutes of exercise every morning, you reduce your risk of disease and other health issues, as well as your risk of stress and unhappiness.


Life is too short to struggle with sadness and stress, so what are you waiting for? Tie on those tennis shoes, turn up your music and get moving! Farewell stress, hello happiness.




Why Dwelling Fire Insurance Is More Important Than You Think


Most people don’t like spending extra money, which means sometimes they skimp on insurance coverage. This may not seem like a big problem, but if you don’t have the right amount of insurance coverage, you’re running a huge risk.

One coverage option that you shouldn’t neglect is dwelling fire insurance. Here’s what you should know about this insurance policy.

What is Dwelling Fire Insurance?

Dwelling fire insurance is coverage designed to protect properties that are not owner occupied. It provides coverage for the home, garage, and other structures on the property like sheds if there is a fire.

How Much Danger Are You In Without This Coverage?

According to the National Fire Protection Association, there were 369,500 home fires in 2013 alone. These fires resulted in a whopping $6.8 billion in damages (and that number doesn’t account for indirect losses such as business interruption).

As you can see from the numbers, home fires, unfortunately, are relatively common and incredibly costly. If you own multiple properties and rent them out as part of your business, you could lose millions of dollars in investments and future business opportunities. Without the right insurance coverage, you could have serious trouble rebuilding your business or regaining your investment.

What Protection Does A Dwelling Fire Insurance Policy Provide?

Dwelling fire insurance policies are designed to protect the structure of the home as well as other structures on the property. It does not cover personal property inside the home.

If you are a landlord, it is essential to invest in dwelling fire insurance, but you should also require your tenants to carry a renters insurance policy that protects their belongings in the event of a fire.

Who Needs Dwelling Fire Insurance?

Dwelling fire insurance is particularly valuable for landlords because the properties they own represent not only a major investment, but in some cases, a major source of income.

When someone else loses their home, it can be devastating, but they still have a job. Without this coverage, landlords could lose their investment properties in addition to losing their job and main source of income.

Landlords should also invest in this insurance policy because they may have a greater risk of losing a property to a home fire. Even if the tenants are responsible, most tenants do not care for a home they are renting the way they would care for a home they own. They may be more likely to leave the stove on, ignore problems with wiring, or forget to tell the landlord about a clogged filter or vent. This can result in more risk for home fires.

If you are not a landlord, but you still own property that you don’t reside in (such as a vacation home) you should still check with your insurance agency and determine what kind of additional coverage you need.

Don’t risk losing your major investments or your source of regular income. Invest in dwelling fire insurance today.

To learn more about insurance coverage options, and dwelling fire insurance in particular, visit Heuer Insurance.



Choosing the Right Life Insurance For Your Lifestyle

buying life insurance

Purchasing life insurance can be one of the biggest, most valuable investments you make. Life insurance is more than just a plan: it’s a means of stability for your loved ones in the event you pass away. However, with seemingly endless life insurance policies, how are you ever to choose the plan that best fits your wants and needs?


Heuer Insurance Agency offers six different, reliable life insurance plans in order to cater to the individual needs of people with varied lifestyles. Contact our friendly agents today to get started on a plan that works for you.

1.     Term Life Insurance


Term life insurance offers coverage at a fixed premium for a specific period of time – typically 5, 10, 15, 20, 25 and 30 years. If the client passes away during the term, the death benefits are paid to the beneficiary. On the other hand, if the term expires while the client is still living, they must either forego coverage or continue coverage at an increased premium.


Term insurance can be used for protection like mortgage protection, buy/sell situations and business partnerships, and are typically used as a means of saving money while also providing a death benefit.

2.     Return of Premium Life Insurance


Similar to term life insurance, return of premium life insurance is a policy that is carried for a fixed premium over a specific period of time – typically 10, 15, 20, 25 or 35 years. Unlike term life insurance, however, a return of premium life insurance policy will provide you with a return on your premiums if the death benefit is not paid out. This policy is ideal for individuals who are looking for affordable life insurance that will offer you a return.


If the death benefit is not paid out by the time the term expires, the premium you’ve paid over the term will be returned to you minus a small compensation percentage. Reasons to invest in a return of premium policy include:


  • It encourages disciplined savings
  • It provides affordable coverage with the chance of a return on your investment
  • It offers a high death benefit with an affordable premium


Though the policy as a whole is relatively affordable, it does carry a higher premium due to the fact that you’ll potentially get a return on your investment.

3.     Universal Life Insurance


Heuer Insurance Agency’s universal life insurance includes a unique savings element that grows on a tax-deferred basis.  This policy insures that you’ll receive a certain minimum return on your investment because a portion of your premiums are used to invest in bonds, mortgages and money market funds.


This policy also offers a no-lapse guarantee, meaning you’ll pay the same fixed premium until age 121. Some benefits of a universal life insurance policy include:


  • A flexible or structured payment system
  • Flexible death benefits
  • Permanent, never-terminating coverage
  • The policy builds cash value
  • There is no pre-payment penalty


This policy offers you the freedom to adjust the benefits as your needs and lifestyle change and you can also control the amount you pay in premiums, making this an ideal policy for individuals who might have changes or difficulties in payment availability.

4.     Key Man Life Insurance

This specific policy provides coverage to an employer or company that suffers from the death of a vital employee. Whether this is a manager, co-owner, owner or other, a key man life insurance policy can be used to pay for the costs required to find a qualified individual to fill the key position. Unfortunately, this is not a policy many companies consider until it is too late.


Key man life insurance can cover things like the loss of sales or revenue, the cost of hiring interim staff until a permanent, qualified replacement is hired, and it can cover the costs associated with hiring and training the new employee. Talk with one of our brokers today to discuss the benefits a key man life insurance policy could have for your business.

5.     Fixed Annuities


Fixed annuities pay a guaranteed interest rate for an allotted time period.  They also typically offer higher interest rates than banks, very low investment minimums and are commonly appealing to investors or individuals who are suspect of the volatility of the stock market. Some of the main factors involved in a fixed annuity plan are:


  • Fixed annuity rates are either deferred or immediate. Deferred annuities accumulate regular rates of interest while immediate annuities are payments determined by your age and the size of your annuity.
  • Convenience and predictability of the set payout makes a fixed annuity plan popular for individuals who want a steady, known income that can act as or supplement other income, like retirement.

6.     Single Premium Life Insurance


A single premium life insurance policy is essentially a modified version of a whole life insurance policy. With up front payment and one large lump sum payment, this insurance policy is beneficial for individuals who’ve accumulated a large sum of money in which they want to invest in a life insurance policy.


Your entire investment immediately begins to earn interest, leading to fast value cash accumulation. This tax-deferred plan requires no monthly payments and is considered one of the best long-term investments.


Visit Heuer Insurance Agency today to talk with a professional about the right policy for you.

What Can YOU Do To Keep Your Home Safe?

DIY home security

Your home is a safe haven and central location for your family, so it is essential to protect it and the people who live there.

Unfortunately, Reno residents need to take extra precautions because Reno’s crime rate is higher than 86% of the other cities and towns in Nevada.  Property crimes are higher as well, and Reno residents have a 1 in 31 chance of being the victim of vehicle theft, arson, larceny, or burglary. (Source)

So what can you do to protect your home? Here are a few tips to get you started:

1. Don’t Make You Home An Easy Or Attractive Target

In most cases, home burglars are looking for easy, lucrative targets, so a few simple things can significantly lower your chances of having your home burglarized.

  • Always lock your doors and windows when you are away and at night. Secure your sliding glass door with a piece of wood, and don’t forget to lock the door that connects the house to the garage.
  • Install a deadbolt or chain lock on your doors to make it even harder for burglars to get in.
  • Don’t leave a spare key outside your house under a rock or in a pot. Give your key to a trusted family member or neighbor instead.
  • Avoid leaving expensive items in plain view from windows. You should also be careful when throwing away boxes for new expensive items such as laptops, televisions, and smartphones. If these boxes are easily visible, burglars will know that there is something new, valuable, and easy to sell in your home.

2. Increase Visibility Around Your Home

Make it easier to spot intruders by keeping the area around your home open and well lit. This will deter burglars in the first place, but it will also make it easy for you and your neighbors to notice suspicious activity. Keep motion detector lights working outside, and trim bushes and trees near your home.

3. Invest In A Security System

Something as simple as a security system sign will discourage many burglars. The security system itself will add extra protection and make it easier to monitor your home when you’re away. In some cases you may receive a discount on your homeowner’s insurance policy if you invest in a security system.

4. Take Extra Precautions When You’re Away From Home

Burglars are much more likely to invade your home when you’re away, especially if you’re gone for an extended period of time. Take the following steps to give your home extra protection when you’re out of town.

  • Don’t advertise your vacation dates on social media. This makes it easy for hundreds of ‘acquaintances’ to know that your home is less protected.
  • Have the post office hold your mail, so an overstuffed mailbox doesn’t announce that you’re gone.
  • Set your lights on a timer so that your house still looks lived in.
  • Tell a trusted neighbor that you’ll be gone and ask them to keep an eye out for suspicious behavior.
  • If you can, it may be best to hire a house sitter to stay in your home and feed your pets, water your plants, and make your home look occupied.

Although there are many precautions you can take, you can only do so much to protect your home—you can’t control the actions of others. This is why it is essential to invest in a homeowners insurance policy that will cover damages if you are the victim of a burglary. Visit Heuer Insurance to learn more about protecting your home and other investments.



How Can I Manage Stress At Work?


Did you know that more than one third of American workers suffer from chronic work-related stress? Aside from being harmful to both your physical and emotional health, this stress is costing American businesses millions – even billions – of dollars per year in medical bills and hours lost of work.


Unfortunately, not all organizations provide sufficient resources to help you effectively manage your stress. Instead, you’re expected to do more with less, further adding to your list of current stressors. Other common factors that add to stress in the work place are:


  • Low salaries
  • Excessive workloads
  • Little chance of growth or advancement
  • Unchallenging work or assignments
  • Little social support
  • Little control over job-related decisions
  • Conflicting demands
  • Unclear performance expectations
  • Performance standards
  • More


Thankfully, there are steps you can take to deal with your work-related stress in healthy, effective ways. Here are the top five:


1. Schedule appropriately

Contrary to common belief, working tirelessly for eight to ten hours a day does not help you get things done. In fact, these only add to stress, lower productivity and steal energy that you could be spending with family or friends after work. Instead, take scheduled breaks throughout the day to clear built up stress, rejuvenate and refocus.

2. Deter Distractions

You’ve probably noticed that throughout the day, you’re bombarded with texts, emails, phone calls, unscheduled meetings, urgent deadlines and more. This adds an immense amount of distraction to our days, which inevitably leads to higher stress. Consider only answering emails or responding to texts during specific times throughout the day. Set up walk-in hours to your office and have “silent” hours during the day.

3. Know What You Can Control

There are some factors in our day that we simply cannot control. On the other hand, there are also several factors you can control. If you begin to feel angry, overwhelmed or stressed, take a moment for a few deep cooling breaths – through your mouth, out your nose – and think about how you’re responding to the current situation.

4. Have Priorities

Create a to-do list that focuses on the projects or deadlines that have the most impact on your current job tasks. It’s important to not over-load this list, however, as you’ll likely feel more stressed if you end the day having only achieved a fraction of your list. Be realistic with yourself and your work load and prioritize appropriately.

5. Change Your Mindset

It’s all too easy to be hard on our selves. In fact, with more than 60,000 thoughts streaming through our brains a day, it’s no wonder we internalize negativity and stress. Instead of being your own worst critic, try to be positive and pump yourself. If necessary, consider making a list at the end of every day of all the things you accomplished – this will motivate you in the days to follow and it will positively influence those around you.


If you’re suffering from chronic stress don’t let concerns over proper insurance coverage add to the load. Contact Heuer Insurance Agency today. They can create a personalized plan that will help ease life stressors and get you on the right path to stress-free living.