Shield Insurance Agency Meijer Gift Card Winner

Gift Card Winners Compliments of Shield Insurance Agency!

Friday, October 22, 2021

Every week, Shield Insurance Agency draws a winner of a local gift card from its clients and social media followers.

Be sure to LIKE our Facebook Page to get yourself entered to win and see who the winners are!

Shield Insurance Agency has given away thousands of dollars in local gift cards over the last 20 years serving Michigan.

Shield Insurance Agency Lowes Gift Card Winner!
Shield Insurance Agency Target Gift Card Winner!
Shield Insurance Agency Red Robin Gift Card Winner
Panera Bread Gift Card Winner at Shield Insurance Agency
Subway Gift Card Winner at Shield Insurance Agency
Shield Insurance gives away another local gift card!
Target Shield Insurance Gift Card Give A Way
Red Robin Gift Card Winner at Shield Insurance Agency

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Your Referrals to Shield Insurance Agency Help a Local Family in Need

Shield Referral Program Supports Local Family

Shield Referral Program Supports Local Sparta, Michigan Family

Your Referrals to Shield Insurance Agency Help a Local Family in Need

Your referral can make a difference for Roslyn and Maddox who both have a form of Arthrogryposis Multiplex Congenital. Shield Insurance is helping this Sparta, MI family by donating $25 for each non-client who gets a quote from us.

No purchase necessary!

CLICK HERE to get a quote and we’ll donate $25 to them! (Be sure to mention Roslyn and Maddox in the comment section!) You can also call or text the office (616) 896-4600 and one of our agents will take a few minutes of your time to offer up a quote. Don’t forget to mention Ros and Maddox

“The highest compliment we can receive is the referral of your friends, family & business associates. Thank you for your trust!”

Meet Roslyn
Roslyn and Shield Insurance Agency Referral Program

More great stories featuring Roslyn…

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Shield Insurance Agency - Types of insurance and the insurance companies Shield is proud to represent

Shield Insurance Agency Product List

Types of Insurance Shield Agency Provides

Shield Insurance Agency has been in business for so many years, we can shop a lot of different companies for a lot of different types of insurance to be sure you get what you need for the price you can afford. Check out the list!

Personal

  • Auto Insurance
  • Boat Insurance
  • Condo Insurance
  • Dental Insurance
  • Disability Insurance
  • Event Insurance
  • Farm Insurance
  • Flood Insurance
  • Health Insurance
  • Homeowners Insurance
  • Mobile Homeowners Insurance
  • Motorcycle Insurance
  • Motorhome Insurance
  • Recreational Vehicle Insurance
  • Renter Insurance
  • Term Life Insurance

Business

  • Auto Facilities
  • Bond Insurance
  • Business Interruption
  • Cannabusiness
  • Church Insurance
  • Commercial Auto
  • Commercial Property Insurance
  • Contractor Insurance
  • Cyber Liability Insurance
  • General Liability Insurance
  • Group Health Insurance
  • Group Life Insurance
  • Liability Insurance
  • Professional Liability Insurance
  • Security Bond Insurance
  • Workers Compensation

Insurance Companies Shield Agency is Proud to Represent

AAA
Accident Fund
Aegis
Ambetter
American Modern
ASI
Assurity
Berkshire Hathaway GUARD
Berkshire Hathaway Homestate
Blue Cross Blue Shield/BCN
Bristol West
Companion Life
Conifer
Delta Dental

Foremost
Freemont
Genworth
Golden Rule
Grange
Hanover
HAP
Hiscox
Humana
ING
Liberty Mutual
Liberty Union
Medishare
Molina Healthcare
National General
Nationwide

North American Company
Philadelphia
Principal Financial Group
Priority Health
Progressive
Reinsurepro
RLI
Safeco
State Auto
Superior Flood
The Hartford
Transamerica
Travelers
United Healthcare
Unum
Wolverine


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When Disaster Strikes What to Put in Your Medication Go Bag - Shield Insurance Agency Blog

When Disaster Strikes: What to Put in Your Medication Go Bag

Atlantic hurricane season is a good reminder that everyone should prepare this potentially lifesaving kit

By Consumer ReportsLast updated: July 05, 2021

A well-stocked Medication Go Bag can be used to soothe a cut or burn—or to save your life during a hurricane, flood, fire, or other emergencies.  

But it’s important not to wait until you’re faced with the need to leave your home in a hurry to assemble your medication go bag, says Geoffrey C. Wall, Pharm.D., a professor of pharmacy practice at Drake University in Des Moines, Iowa.

Whether you buy a kit from a drugstore or build it yourself, Wall recommends that all households keep a medication go bag on hand. It should contain the essentials, including: 

  • At least seven days’ worth of over-the-counter and prescription medications you take on a regular basis. Label the containers clearly, and include a printed-out list of everything you take and the regimen for each medication, plus a copy of your health insurance card (in case you need medical care while you’re away from your home).
  • An antihistamine for allergic reactions, such as diphenhydramine (Benadryl Allergy and generic) or loratadine (Claritin and generic).
  • Pain relievers, including acetaminophen (Tylenol and generic), aspirin, ibuprofen (Advil, Motrin IB, and generic), or naproxen (Aleve and generic).
  • Stomach and antidiarrheal remedies, including loperamide (Imodium and generic) and bismuth subsalicylate (Kaopectate, Pepto-Bismol, and generic).
  • An antacid for heartburn, such as Maalox, Mylanta, Rolaids, Tums, or generic.
  • Antiseptic wipes; an antibiotic ointment such as Neosporin, Bacitracin Plus, Curad, or generic (use only for infected wounds); and bandages, gauze, and tape, for treating burns, cuts, and wounds.
  • Mosquito repellent to prevent bites, and aloe gel, hydrocortisone cream, or calamine lotion to soothe bites and skin irritation.
  • An eyewash solution for flushing out eye irritants.
  • Water-purification tablets.
  • Scissors.
  • Thermometer.
  • Tweezers.

If you and your family have special medical needs, you can build a more sophisticated medication go bag—for example, one that contains hearing aids with extra batteries, an epinephrine auto-injector, glasses, contact lenses, or syringes.

Fill Prescriptions in Advance

For prescriptions, you and your family members take, consider asking your doctor for 60- or 90-day refills rather than a month’s worth. That way, you’re more likely to have extras on hand for your medication go bag. (This can also save you money.)

Always fill prescriptions on the first day you become eligible for a refill, rather than waiting until the day you run out. If you are able to obtain an emergency supply, establish a plan for rotating your go-bag supply so that it remains up to date. And remember to check medications periodically to ensure that they have not expired.

“During an emergency, some states allow pharmacists to dispense an emergency supply of medications without doctor authorization,” Wall says. But, he adds, “certainly if a known potential disaster, such as a hurricane, is predicted, make sure you have prescription meds and supplies before it hits.”

You might also ask your health insurance company to assist you in obtaining enough medication and supplies to have on hand.

Storing and Maintaining Your Kit

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How to Get Rid of Ants - Shield Insurance Agency Blog

How to Get Rid of Ants

By: Francisco Guzman | Updated: Aug 13, 2021

Ants invade homes for one reason: food. Whether you left crumbs on the kitchen table or forgot to take the trash out, where there’s food, there are ants. Ants aren’t all bad. They help to clean up dead animals and naturally create topsoil as they burrow into the ground. But they can also pose a danger to you and your home.

Ant bites aren’t only annoying, they can trigger an allergic reaction in some people. A typical ant bite can cause pain and discomfort, but bites from a fire ant can lead to difficulty breathing, difficulty swallowing, nausea, and dizziness. While fire ants pack a big sting, other ants can do different types of damage.

Carpenter ants, similar to termites, can cause damage to your home’s walls, decks, doorframes, and other wooden materials. These ants create nests in wooden areas that are moist and starting to decay and cause damage by tunneling through the wood.

But if your home has become infested with ants, don’t worry. Getting rid of them is fast, easy, and cheap. Most of our suggestions below use ingredients that are safe to use around babies and pets. Here are some home remedies to quickly and successfully rid your house of ants.

How to Get Rid of Ants

  • White vinegar: Mix a solution of one part white vinegar to one part water or just use straight vinegar. Wipe your counters, tables, appliances, and jars with the solution to kill ants and prevent them from returning. Although you won’t be able to smell the scent after a while, ants will.
  • Hand soap: Spray a soapy water solution into holes and crevices that may be the entry point for ants in your home. Soap is an effective remedy for preventing ants from entering your home because it removes the scent of ant pheromones, which ants use to communicate with each other.
  • Lemon juice: Similar to vinegar and hand soap, lemon juice can remove an ant’s scent trail. Mix one part lemon juice with three parts water and spray the solution on entryways or around your home.
  • Baking soda: Mix one part baking soda with one part powdered sugar (ants love sweet things) and place it in an area where you see ants. Once they eat the baking soda mix, it will react with an acidic material in their stomachs and usually kills them.
  • Cinnamon: You can use two different types of cinnamon to either kill or repel ants. Mix cinnamon essential oil with water to use as a spray-on ant trail and around cracks in your home. You can also sprinkle powdered cinnamon around openings, which will suffocate ants when they inhale it.
  • Mint: Ants are not fans of mint, especially peppermint. Mix 10 to 20 drops of peppermint essential oils with 2 cups of water and spray the mixture in places where you find ants. Make sure to keep the mixture away from pets.
  • Black pepper/cayenne pepper: If you find an anthill in or near your home, sprinkle black pepper or cayenne pepper into their nest. The spicy powder will prevent them from coming back but won’t kill them.
  • Borax: Although this is not child-friendly, borax is considered a very effective way to kill household ants. That’s because borax kills ants slowly so they have time to take the bait back to the colony for other ants to eat. Sprinkle it in powder form or mix 1.5 tablespoons of borax with a half-cup of sugar and 1.5 cups of warm water. Spray the liquid into ant nests or set it in a small container as bait. (You can also make a paste of borax and honey or corn syrup and set it out). Make sure to keep borax away from babies and young children, because it can cause skin irritations and headaches.

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CR's Guide to Getting Better Internet Without Busting Your Budget - Shield Insurance Agency Blog

CR’s Guide to Getting Better Internet Without Busting Your Budget

How to solve WiFi problems and trim your monthly bill. Plus, what CR is doing to get everyone faster, cheaper broadband.

By Consumer ReportsJuly 13, 2021

Over the past 18 months, our home internet connections have helped us reach family, friends, and colleagues. They’ve been both practical tools and a needed source of entertainment during a difficult time.

That may be why 76 percent of Americans agree that internet service is as important as electricity or water, according to a February nationally representative Consumer Reports survey of 2,514 U.S. adults (PDF).

But using the internet at home can be frustrating, too, as many people confront dropped video-calls and sputtering movies—along with confusing bills and poor customer service. The good news is that some broadband problems are easy to fix. The following information can help you do that and maybe even help you save a bit of money.

To learn more about the issues that affect internet customers, Consumer Reports is launching a project called Broadband Together along with several other nonprofit organizations to collect and analyze tens of thousands of internet bills. You can read more about the project, and then consider joining the effort by taking an internet speed test, sharing a bill, and providing us with some basic information. 

The information we gather will help us learn how much people are paying in neighborhoods across the country, whether they’re getting what they were promised, and whether prices are fair.

If the internet is glitchy in your home, the first step toward a solution is to pinpoint the problem. And it helps to understand how online material—be it a Netflix show, Zoom call, or social media post—gets to you.

As you can see in the illustration below, movies, email, and other data are funneled by internet service providers (ISPs) through a series of cables and wires to homes with wired service. 

If something’s not working, the problem could lie outside your home and may require a call to the company to fix. Or the trouble could be with your home WiFi network, which distributes information wirelessly to your computers, TVs, and other devices.

Which is it? To figure that out, an easy first step is to test your internet speed.

How to Test Your Speed For Better Internet

It’s useful to know how fast data moves into and out of your home. To find out, you can check your speed at Measurement Lab or Speedtest. With a click or two, you’ll learn your download speed (how fast data such as a movie streams into your home), and your upload speed (how fast data like your end of a Zoom call streams out). The numbers, measured in megabits per second (Mbps), will vary a bit each time. If possible, first run a test with a computer that’s physically plugged into your router using an Ethernet cord. The results may vary a bit each time you run the test. But if the speeds are consistently much slower than the maximum speeds promoted by the ISP for your plan, call the company. Then do the same test wirelessly (over WiFi) throughout the house. If it’s only the WiFi speeds that are slow, focus on your router to find a solution. 

Is Your Service Level Fast Enough?
ISPs generally offer several plans, each promising a different range of speeds—the faster the connection, the more you pay. So which plan is right for you?

It depends on how many people you have at home and what they do online. You need only around 1 Mbps to listen to a Spotify song and 4 Mbps for a Zoom call—but 25 Mbps to watch a 4K movie on Netflix.

The numbers are cumulative. If two TVs are streaming 4K movies at the same time, that’s 50 Mbps.

Every ISP has its own tiers, but you can use the speed ranges below to see where you fit in. Many people may pay for more speed than they really need.

Up to 100 Mbps
This is plenty for two or three people with routine needs. That includes Zoom calls, high-definition movie viewing, and some online game play.

100 to 300 Mbps
These speeds should accommodate even a data-hogging family that plays several 4K movies and taxing online games all at the same time.

300-Plus Mbps
Few households need more than 300 Mbps. If you have internet problems, the solution is probably not to slap down the plastic for your ISP’s priciest superfast service.

Make Your WiFi Better

Let’s say you’ve signed up for the right internet service tier, and your speed testing confirms that your ISP truly is delivering the speeds it has promised. If your internet service is still acting finicky, the problem very likely lies with your WiFi network. You can probably fix things by fiddling with the equipment in your home. Below, CR has four expert tips to help, starting with the simplest and cheapest. And we have more detailed WiFi advice, as well. 

1. Try Moving Your Router
Tempting though it may be to banish your router from public view, exiling it to a cabinet or the outskirts of your home can hinder performance. That forces the WiFi signal to pass through more walls and other barriers, and to cover longer distances, to reach every corner of the house.

Place the router out in the open, away from corners, and high in the room. (The signal tends to be stronger below the router than above it.) Also, locate the router as close as possible to the middle of your home. You may be able to move it yourself, or you might need some help from your ISP or a handy friend.

2. Use an Ethernet Cord
If you’ve ever had a movie night derailed by sputtering WiFi, you know the feeling (major letdown). Need a more stable signal? A $10 or $20 Ethernet cable can save the day, linking a TV, streaming video box, or video game console directly to your router.

3. Use an Inexpensive WiFi Extender
Need to push a WiFi signal a little deeper into your home? A $30 palm-sized WiFi range extender could be the answer. Plug it into an outlet midway between your router and, say, the comfy reading chair in your bedroom, and it stretches the signal. There’s a catch, however: That extended signal can be only half as fast as the rest of your WiFi network, making this a great fix for emails, but maybe not movies.

4. If Needed, Invest in a Mesh Router
If you’re looking to improve WiFi coverage throughout your home, a mesh router system may be the way to go. Unlike a traditional router, which toils away on its own, a mesh router uses multiple units—a hub and one or two satellites—that work together to spread the WiFi network from one end of your abode to the other. If there’s a dead zone in the den, you can move the satellites around to eliminate it. You can also add satellites to broaden the network’s reach. Mesh routers used to cost up to $500, but prices have fallen in the past 15 months. You can now find highly rated mesh routers for less than $200.

Avoid Overpaying

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Off Road ATVs - Shield Insurance Agency Blog

Off-road ATVs: Coverage for your off-road ATV

Safeco® Off-road ATVs: Coverage for your off-road ATV

Do you have an off road vehicle? Safeco will insure all-terrain vehicles with four or six wheels, a wide variety of utility-terrain vehicles (UTV), side-by-sides, dirt bikes, snowmobiles, golf carts, and other select off-road vehicles. Talk with a Safeco agent to get details about all the vehicles types we cover. Connect with your Safeco independent agent today to get the details and determine the best coverage options for your off-road vehicle: http://spr.ly/6053yTUUv Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA.

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Set Sail With Peace Of Mind - Shield Insurance Agency Blog

Set sail with peace of mind

Safeco® Captain’s Package Coverage: Set sail with peace of mind

Four reasons you can set sail with peace of mind when you enroll in the Safeco Captain’s Package. One New Boat Price Protection: in the event of a total loss, replaces boats/watercrafts less than two years old with a new boat/watercraft. Two Roadside Assistance: covers the boat/watercraft, trailer, and the car or truck you tow it with. Three Personal Effects Protection: increased protection limits to your base coverage. Four Emergency Assistance: Increases this coverage to $1,000. Connect with your Safeco independent agent today to find out more: http://spr.ly/6051yTUv3 Disclaimer: Subject to policy terms, conditions, and limitations. Discounts and savings available where state laws and regulations allow and may vary by state. State insurance requirements apply. Insurance offered by Safeco Insurance Company of America and affiliates, Boston, MA.

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Mold A Silent But Rapidly Growing Environmental Exposure - Shield Agency Insurance Blog

Mold: a silent but rapidly growing environmental exposure

At first glance, mold may seem unassuming but for commercial property owners, mold can be a highly problematic hazard that presents significant environmental risk.

Although frequently associated with the aftermath of natural disasters, mold is much more likely to result from routine maintenance issues such as leaky pipes or HVAC malfunctions. Taking a proactive approach to address mold is critical to help reduce the risk of property damage, guard against personal health effects, and avoid potentially costly future claims.

The health risks of mold

Concern about indoor exposure to mold has been increasing as the general public becomes aware of health risks and symptoms. According to the Centers for Disease Control and Prevention, potential adverse health risks can include a stuffy nose, sore throat, coughing or wheezing, burning eyes, or skin rash–with increased concerns for those with asthma or immuno-compromised individuals. Given these potential issues, commercial owners should prioritize mold as part of risk-management planning.

Industry-specific factors driving mold claims

While any business can be at risk for mold, certain sectors have experienced a significant uptick in the frequency and severity of costly environmental claims due to mold and indoor air quality issues. Here’s a look at the factors driving this trend in these sectors.

Heat and humidity create fertile breeding grounds for mold in schools.

Elementary and high schools (K-12) are vulnerable to mold growth for several reasons, including:

  • increased moisture due to painting or carpet cleaning
  • high humidity with reduced air conditioning or outdated heating systems
  • Especially during the summer, a lack of ventilation combined with heat and humidity creates a perfect mold incubator.  

Without regular maintenance, a school can rapidly experience significant mold growth. To mitigate the risk of mold outbreaks, schools should perform regularly scheduled inspections for signs of mold, moisture, and leaks, including during long breaks. The Environmental Protection Agency’s  Mold in Schools fact sheet provides additional guidance on how schools can mitigate this risk.

Renovations can lead to contamination surprises for hospitals and hotels.

Deferred maintenance can lead to delayed problems for healthcare and hospitality sectors, especially when it comes to larger projects such as roof or room renovations:

  • As a roof comes closer to the end of its useful life, the likelihood of leaking increases exponentially, as does the risk of mold growth.
  • Mold thrives where there is plenty of organic material, such as wood, paper, paint, drywall, and insulation—frequently uncovered behind walls, under carpet and ceiling tiles, and surrounding corroded pipes during routine maintenance or renovation projects.

Not having a plan to address this risk can be very costly. In addition to the costs to address structural damage, hospitals and hotels may also experience lost revenue if facilities need to cease operations or are held liable for mold-related exposures of individuals.

Putting risk mitigation plans to work

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Pandemic’s Bolstered Claims Technology - Shield Insurance Agency Blog

Pandemic’s Bolstered Claims Technology

Workers Expect Savvy Claims Technology: Here’s How the Pandemic’s Bolstered Claims Technology During Uncertain Times

The COVID-19 pandemic sped up the adoption of claims technology, but many tools were already in place and poised for growth.

Even apart from the COVID-19 pandemic, 2020 was a significant year. According to the NOAA, 22 separate weather events including severe storms, wildfires, and cyclones totaled $95 billion in damages.

While many types of insurance bear the brunt of these disasters, workers’ compensation carriers, tasked with critical care needs that affect workers and their families, need special strategies to deliver care when catastrophe strikes.

For many organizations, these strategies utilize technology, built-in redundancies and, stepped-up conveniences like a direct deposit to ensure continuity of care, no matter the weather.

“We have to be ready for it all — hurricanes, floods, fires,” said Mark Bilger, CIO of One Call.

“In general, disaster recovery and business continuity are a staple of well-run IT management for any organization. Specifically, in claims and insurance, it’s heightened because of the critical care for injured workers.”

Especially in the wake of the COVID-19 crisis, workers’ comp claims teams were challenged with the immediate expansion of remote work, resulting in necessary changes that are likely to endure even after the pandemic concludes.

“Before work from home, One Call had a few concentrated contact centers,” Bilger said.

“After work from home, we look a lot more like the internet. We’re dispersed and we had to make major upgrades to our virtual private network, essentially 10-fold. We went from 1 gigabit to 10-gigabit capacity. We strengthened our endpoint protections and it went from firewalls in our locations to everybody’s home becoming the One Call network.”

This growth in gigabit capacity is not isolated to the workers’ comp industry; reports indicate that pandemic-related growth has resulted in an estimated global wireless gigabit market size of $19 million in 2021 and is projected to reach $70 million by 2026.

In tandem with the global wireless market, gigabit size is the growth of cloud computing. Gartner forecasted 18.4% growth in a 2020 report to a total of $304.9 billion, noting that “the proportion of IT spending that is shifting to the cloud will accelerate in the aftermath of the COVID-19 crisis, with cloud projected to make up 14.2% of the total global enterprise IT spending market in 2024, up from 9.1% in 2020.”

Workers Expect Claims Tech

Expectations have been set by regulation and digitization in the 21st Century that even in the wake of a natural disaster, services will continue.

“One of the technology solutions that we have had for a few years but that we pushed during COVID and any other type of catastrophic event is our claimant app, MyCare,” said Michael Jamason, SVP, business operations at CorVel.

“It gives the injured worker the ability to manage their pharmacy information, phone numbers for points of contact regarding their claim, information about payments being made to their accounts, and they can even establish their direct deposit in the app.”

Pharmacy information is especially important during disaster when medications are destroyed due to property damage or lost in an evacuation.

“We were able to utilize our partnership with our PBM to allow people to get early refills, and with mail order, we were able to even change the amounts of medication given,” said Melissa Burke, head of managed care and clinical, AmTrust.

“We expanded into other needs like telemedicine, ensuring that we have different types of providers available. We were able to expand that and ensure access in all of our states where allowed by regulatory governance, including digital doctor networks. Something important there too is transitioning injured employees. Typically a telehealth solution would be either on the frontend or the backend of a claim. We wanted to make sure that we could go back and forth depending on the state of the catastrophe,” Burke added.

Indeed, telemedicine expansion is at the forefront of many workers’ comp claims organizations’ radar. According to Mitchell’s “The Future of Technology in Work Comp 2020” industry survey, “many respondents believe that telemedicine will have the biggest impact on the industry within the next five years (32%), followed closely by artificial intelligence (30%) and predictive analytics (20%).”

The survey was conducted before the COVID-19 pandemic, which likely would have boosted telemedicine’s impact on the results due to significant expansions.

For many industry leaders though, the specific technological solution is not as significant as the strategy behind the solutions. “We have to ensure continuity of care and benefits,” said Michele Tucker, CorVel’s VP of EC operations.

“Any interruption — whether it’s a natural disaster or anything else — impacts many lives and families. We’ve been doing some regular testing with payments and system recovery so redundancy is set up, and if we have an office impacted, our system allows for immediate replication and the pickup of services by another office.”

Growth Brings Security Risks

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