HEALTHY JOINTS MATTER SAFEGUARD YOUR MOVEMENT FOR YEARS TO COME Our knees, wrists, elbows, shoulders, and hips are integral parts of our bodies — all joints connecting our bones. After years of pressure plus wear and tear on our joints, they risk wearing down and developing conditions such as osteoarthritis, a common degenerative joint disease seen in older adults. However, aging isn’t the only thing that can adversely affect our joints. Sometimes, overuse of a particular joint can cause pain, discomfort, and eventually limited mobility.
TO KEEP YOUR BUSINESS FULLY COVERED In last month’s newsletter, we discussed the rising rates of property insurance and explored how some businesses are underinsured due to inaccurate property values. If an incident occurred at one of these businesses and the owner had to rely on their insurance coverage, they could be in for a rude awakening. This is an experience that every business owner wants to avoid, and they can as long as they’re regularly reevaluating their property value and staying up to date on their valuation. Experts recommend reevaluating your property value at least once a year. It might seem too often, but doing so is the best way to ensure your insurance coverage fits your business. Construction and rebuilding costs are constantly changing, which is why it’s so important to get your property reevaluated regularly. Another essential step for getting accurate coverage is working with your underwriter so they know exactly how your business operates and any risks involved. That way, they can provide sufficient coverage to protect you and your property in the event of a loss. Another important factor to consider is your risk management strategy. The insurers want to see that you’re protecting your assets to the best of your ability instead of relying solely on their coverage to save you in the event of a disaster or loss. The stronger your risk management strategy, the more affordable and inclusive your coverage will be. Finally, some insurers have started using artificial intelligence (AI) to ensure they’re correctly valuing properties. They don’t let the AI run on its own, though. A team of underwriters works alongside it to ensure everything is accurate. The AI can often find holes in the coverage and provide additional assistance to ensure you’re fully covered. Experts predict that property insurance rates will continue to rise, so staying up to date on your valuations will become even more critical. Your business can remain protected if you stay on top of the game and regularly evaluate your property.
Here are four tips to incorporate into your daily routine to keep your joints healthy, lubricated, and mobile.
Sit up straight. Did you know your posture plays a significant role in the health of your joints, even your knees? Standing and sitting up straight helps reduce unnecessary pressure on any part of your body and protects your back, hips, knees, shoulders, and neck. It also helps to prevent injury to the surrounding muscles. Maintain a healthy weight. If you allow your body to become overweight, you inevitably slow down and move less. The extra weight also places more strain and pressure on your joints, mainly your knees, ankles, and hips, increasing your risk of joint damage and complications. Get moving . Staying active and building strong muscles and bones provides the stability and support your joints need to thrive. Dynamic stretching and low-impact exercises
strengthen your joints and keep them in optimal shape. Remember, the more you move, the easier it becomes. Practice safety first. When performing activities that may place more demand on your joints, rely on padding and protection. For example, wear knee and wrist pads if you go roller skating or ice skating! If your wrist is sore or injured, a brace will protect it and provide the support it needs to heal. Even if you’re gardening outside and kneeling often, be sure to kneel on a soft pad or area to safeguard your knees. Protection is always key! Maintaining a safe and active lifestyle is the key to keeping your joints healthy for years come. Take care of your joints now so they
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2 • www.INSURICA.com • Specialized Insurance Programs for Specialized Industries.
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