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Hastings Office

Phone: (402) 463-2461
Fax:(402) 463-2469
2203 Osborne Drive
Hastings, NE 68901 

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Phone: (402) 884-1320
Fax: (402) 884-1833
4331 North 156th Street
Omaha, NE 68116 

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Phone: (308) 698-0114
Fax: (308) 698-0118

4004 6th Avenue
Kearney, NE 68845

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Phone: (402) 470-0337
Fax: (402)327-8483
8421 Amber Hill Ct, Suite 201
Lincoln, NE 68526

Blog Index
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Tuesday
Jun272017

Top 5 Recent Blog Posts for Business Owners

I try to read a lot of blogs to stay up to date on what is going on in the business community. Here are my top 5 Recent Blogs that I have read:

 

1. America’s Top-Rated CEO Just Taught a Brilliant Lesson in Leadership. Here it is in 1 Sentence from Inc.com.

  • This blog highlights some leadership insights from the Clorox CEO Benno Dorer. Great advice for anyone hiring and managing effective teams.

2. FBI: Extortion, CEO Fraund Among Top Online Fraud Complaints in 2016 by krebsonsecurity.com.

  • Great article showing the top fraud complaints in 2016 and their total financial impact. These are only becoming a bigger and bigger problem for business owners and being aware of the trends allows you to build plans around how to manage the threat.

3. Work doesn’t have to be Dreadful: 6 Tips From an Ex-Google VP on How to Make Work More Rewarding by Inc.com.

  • This is an article about how to create a more meaningful experience for your employees. The 6 tips come from Laszlo Bock who helped take Google from 6,000 to 76,000 employees.

4. Why a Company Can’t be “More Like a Startup” by Steve Blank

  • Steve has a very interesting take when he compares new entrants and startups in a market to established companies trying to keep disruptors out. 

5. 6 Ways to Build Your Brand Using Content Marketing by allbusiness.com.

  • This is a quick hit list of 6 tips to build your brand. Very easy read with great information. 

Friday
May122017

Ellerbrock-Norris Insurance Becomes Farm Certified

For More Information, Contact: Ellerbrock-Norris Insurance, (402) 463-2461                    

For immediate release: May 12, 2017

Farm Certification program from Nationwide helps agents provide top protection for farms and ranches.

HASTINGS, NEBRASKA – Ashley Stien, Michele Klinger, Tracy Pritchard, and Jon Jackson of Ellerbrock-Norris Insurance, Hastings, Nebraska have earned the On Your Side® Basic Farm Certification designation from Nationwide, the #1 farm insurer in the U.S. Farmers and ranchers can depend on a Farm Certified agent to understand their farming operations, provide basic risk assessments that can help reduce expenses, educate them about exposures, match coverages to meet their farm operation’s needs, and provide professional, knowledgeable service.

“We’re excited that Ashley Stien, Michele Klinger, Tracy Pritchard, and Jon Jackson completed this certification program,” said President Brian Bassett. “We have made a commitment to help protect farmers and ranchers in our area with the highest levels of professionalism and service. This certification tells our area farmers that we’re committed to helping protect them now and into the future.”

The designation is intended to help farmers and ranchers recognize agents who have made a commitment to understanding the complex risks faced by the agriculture industry. Only agents who successfully complete the program are awarded the designation, and agents must uphold education and service commitments to retain their certification.

“Nationwide created this certification program to provide additional education and resources to insurance agents who have made a commitment to protecting farms and ranches,” said Eric Johnson, VP of agribusiness sales for Nationwide. “We’re proud of the agents who complete the program and are excited about the level of service farmers and ranchers can expect from partnering with Farm Certified agents.”

The Ellerbrock-Norris Insurance Agency was founded in 1906 and offers a wide range of insurance products including commercial, personal, farm, life, health, supplementary employee benefits and financial planning programs to more than 1,300 commercial clients and over 3,200 personal lines clients. Please visit http://www.ellerbrock-norris.com/ for more information.

Tuesday
Apr252017

Are you Prepared for a Cyber Attack?

Cyber Attacks have become a very real threat to every business that is connected to the internet – yes, any business. Many business owners think that if they don’t store financial records or keep servers with personally identifiable information on them that they do not have an exposure to this threat. That couldn’t be further from the truth. Any business can be a victim of several different Cyber Attacks.

Some of the biggest questions you should ask yourself are:

What would it mean to my business if I couldn’t access the internet for an extended period?

What would I do if all the data on my system was erased?

What would happen if a malicious email was forwarded on by one of my employees and corrupted my clients’ systems?

How would I respond if my CFO wired money to a hacker that spoofed my email?

These are all very real scenarios that business owners face. So, what should you do? The first thing you can do is insure your risk to Cyber Attacks. There are many robust insurance policies out there that will respond and provide coverage for the above scenarios to help businesses get back up and running. However, that is where most risk managers stop the conversation.

I would challenge you to contemplate the indirect costs associated with having a Cyber Attack affect your business. You may lose customer goodwill or have to spend countless hours of management’s time to put the pieces back together. What would that cost the business in terms of lost customers or lost productivity? These are all costs that need to be identified and properly managed.

The best way to avoid the costs associated with these risks is to prevent the attack from happening in the first place. Cyber Insurance is a great first step but that should be viewed as the last resort after the claim has happened. The best strategy a business owner can use is Prevention. In the link below you will find some helpful instructions on what to do to prevent a Cyber Attack from happening, and steps to take if you are a victim of a Cyber Attack.

Are you Prepared - Cyber Attack

Tuesday
Apr112017

Lowering Workers' Compensation Costs through Return to Work Programs

Return to Work Programs are extremely important to companies when it comes to managing the costs associated with Workers’ Compensation. In states like Nebraska that can be even more impactful because of the Experience Rating Adjustment (ERA) that is factored into the Experience Modification Factor (Mod). The ERA allows for a 70% decrease in the total claim when it is factored into a company’s mod calculation.

The ERA is not the only benefit to having a Return to Work program, however. Many other benefits apply to the company and to the injured employee. Here are just a few:

  • Anticipating and contolling Hidden Costs
  • Proactive Approach to Cost Containment
  • Getting employees back to work with less down time and money spent on recruiting and hiring
  • Boosting Morale
  • Discouraging abuse of the Work Comp system

These are not the only additional benefits to a Return to Work program. For more information and many more benefits check out this document: Importance of Return to Work Programs.

Friday
Mar172017

Liquor Liability and Dram Shop Laws

On October 26, 2016, Max Holloway, son of ex-football player Brian Holloway, was driving home from a night of drinking when he lost control of his car and crashed into a nearby home. He died in the accident. Soon after, Max’s parents filed a lawsuit against the restaurant at which their son had been drinking on the night of his death. They claimed that employees of the restaurant knew their son had an addiction to alcohol but served him anyway. Dram shop laws enabled them to file the lawsuit.

Through dram shop laws, establishments that sell alcohol can be held accountable for damage or injury caused by their customers. Although their severity and limitations vary, 41 states have some sort of dram shop law. Dram shop laws can inflict a severe financial burden on establishments. The states without dram shop laws are Delaware, Kansas, Louisiana, Maryland, Nebraska, Nevada, South Dakota, and Virginia.

To avoid a lawsuit, Distinguished Programs (https://blog.distinguished.com/index.php/2017/01/bars-restaurants-responsible-patrons-actions-dram-shop-laws/) offers bar and restaurant owners/managers a few suggestions. They are:

  • Make sure you know your state’s dram shop laws
  • Always check the age of patrons
  • Never serve a person if they appear to be intoxicated
  • Never serve someone after the establishment has closed
  • Never serve someone a drink with a high enough alcohol content that it could intoxicate them
  • Ensure all servers have attended an approved server education course
  • Encourage patrons to not become intoxicated
  • Promote any nonalcoholic beverages
  • Encourage use of taxis or other forms of transportation

Make sure to protect your establishment by taking all precautions to avoid any lawsuits due to dram shop laws.


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