WHEN DID YOU LAST REVIEW YOUR INSURANCE COVERAGE? Here's a day you don’t see often: June 28 is Insurance Awareness Day! You might ask yourself, What do I need to be aware of? Insurance isn’t the most interesting or engaging topic, but Insurance Awareness Day is a good excuse to do one very important thing: review your policies. Whether it’s a homeowner’s policy, life insurance, auto insurance, or business insurance, you want to know how you and your interests are covered. Many people are actually underinsured. They bought a policy 10 or 20 years ago but didn’t review the fine print. This happens all the time. They continue to pay the premiums year after year, but then one day when they need to actually use it, they discover their coverage wasn’t as extensive as they thought it was. A common example of this is in auto insurance. Policies can be confusing and there are many different options to choose from. Many drivers tend to opt for the cheapest they can get away with and maybe a few add-ons to meet state requirements. However, if they get in an accident, they learn after the fact that they don’t have enough liability coverage and have to pay far more out-of-pocket than expected. The Fine Print
Businesses run into similar problems. They often have general liability and other basic coverage but then skip other forms of coverage to keep costs down. One common form of insurance that gets looked over is cyber insurance. This protects against cyberthreats, such as data theft or damage to business technology, but some businesses skip it because they assume the risk is too small to worry about. Not wise. Cyberthreats are more common than ever. Data loss can bring a business to a halt — and some businesses never recover. The bottom line is, take time to review your insurance policies. No, it doesn’t have to be on June 28, but give yourself time to do it. Know how you’re covered and if it makes sense for your current needs, whatever they may be.
TAKE A BREAK
Nothing says summer like a glass of iced tea. Enjoy these two twists on a classic summer soother. Iced Green Tea, 2 Ways
Ingredients
Directions
• 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
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.
Inspired by 101Cookbooks.com
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