BE YOUR BEST SELF WITH THE HELP OF OT
A lot of people struggle to keep up with a regular UNDERSTAND THE PROCESS A wellness challenge cultivates healthy competition among participants that keeps them motivated to stick with their wellness regimens. Challenges can be fully customized depending on the goals and abilities of those participating, and when the challenge is carried out virtually, participants have more freedom and flexibility in their routines without missing out on any of the social interaction that makes it fun. wellness routine because they lack accountability to hold them to it. Whether it’s exercise, meditation, or healthy eating, if you go through the process alone, it’s that much harder to will yourself to see it through. But at a time when isolation is still one of the best ways to stay healthy, how can you involve others in your wellness plan? The answer is simple: Create a virtual wellness challenge!
GET STARTED Every challenge should have a quantifiable goal depending on the theme. Challenges like working out for 30 minutes a day, getting seven hours of sleep at night, eating 1 cup of leafy greens with every meal, or meditating for 15 minutes every day are all great
Entrepreneurs and small-business leaders create jobs, sustain local economies, and become destinations for many tourists. They are pivotal to our country’s success and survival.
COVID-19 precautions, like closing or limiting businesses, have caused painful repercussions for small businesses and the families that rely on them for services and income. According to the U.S. Census Bureau, a weekly survey of more than 22,000 U.S. business owners in late April found that more than 31% of small-business owners expect their businesses won’t return to usual operations for six months. The federal government is offering loans through the Paycheck Protection Program (PPP) to sustain businesses and their employees, but by mid-May, the same weekly survey found that more than 40% of small-business owners were still waiting on PPP funding approval. Moments like these are when businesses need business interruption insurance the most. This type of policy offers businesses a safety net from profit loss due to disaster or damage. Typically, these first-party claims are managed without legal intervention. Business owners report damage, adjusters investigate and make an estimate, and the owners receive a check. Yet many business owners are facing denials for claims of business interruption due to COVID-19. Many insurance companies are not upholding agreements and are responding with blanket denials. Adjusters and insurance companies argue that since businesses have not lost their physical space, business owners don’t quality for compensation.
However, there are court precedents that can help us fight this claim. Courts have sided with some plaintiffs undergoing unique circumstances — which a pandemic would qualify as — saying they are grounds
for claim approval. The ambiguity of insurance contracts can also work in a plaintiff’s favor. Insurers often leave these contracts vague to protect themselves, but this also leaves the contracts open for judicial review. The bottom line is simple: You have a right to compensation if you have lost business as a result of COVID-19, regardless of what the insurance companies
say. We can help you fight for it. Give Schiller & Hamilton Law Firm a call today. You support our country, so we’ve got your back!
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