Kabat Equity Group, Inc.

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

Small, daily habits can have a bigger impact on your health than most people may realize. Swipe through for some simple changes that are easy to make and might be worth sticking with for the long run.

As always, if you have questions about your health insurance coverage, give us a call. We are here to help.

With back-to-school season top of mind and August being National Traffic Awareness Month, our team wanted to take a moment to share some practical road safety reminders for this time of year.

The return to school brings one of the most significant changes in daily traffic patterns of the entire year. A few moments of extra caution can make an enormous difference. Swipe for a few traffic safety considerations for both motorists and parents of young children to keep in mind as back-to-school season approaches.

By staying alert, following the rules, and looking out for the most vulnerable people on our roads, we can all play a role in keeping the roads safe this school year.

Please feel free to share this with anyone in your network who might benefit from these reminders. And if you ever have questions or need assistance, we are always here to help leverage our expertise for your benefit.

Construction projects are complex, and insurance claims can arise from a wide range of situations. Knowing what the most common claims look like and what steps can reduce the risk of facing them is one of the most important things a construction business can do to protect its projects and its bottom line.

Swipe through for a breakdown of several common construction insurance claims and practical prevention tips for each.

If you have questions about your construction coverage, don’t hesitate to give our team a call. We are here to help make sure your operation is fully protected.

Construction projects involve complex risks, from subcontractor liability to post-project claims. Understanding what construction insurance covers helps contractors protect their business, crews, and bottom line. Swipe for key insights on essential coverages and common gaps.

Need help building the right coverage portfolio or want to make sure your existing coverage is keeping up with your operation? Reach out today. We’re here to help.

August is National Eye Exam Month, a perfect reminder to schedule your annual eye exam if you haven’t already.

A comprehensive annual eye exam is covered by most vision plans, meaning you can obtain this key preventive care as easily as scheduling your appointment.

Additionally, these exams can do more for your health than just update your prescription. Your eyes can reveal early warning signs of serious health conditions that you might not know about otherwise, including:

👁️ Hypertension - Irregularities in the eye's blood vessels can signal high blood pressure before other symptoms appear.
👁️ High cholesterol - A yellowish tint or patch around the cornea or eyelid may indicate elevated cholesterol levels.
👁️ Autoimmune disorders - Inflammation in the eye can be an early sign of conditions like lupus.
👁️ Thyroid disease - Bulging or protruding eyes are often associated with thyroid-related conditions.
👁️ Cancer - Unusual structures within the eye can indicate ocular melanoma, and changes around the eyelids may reveal certain skin cancers.

If it has been more than a year since your last eye exam, let this month be your reminder to get it on the calendar.

Not sure what your vision benefits cover? Give our team a call. We are happy to help you take a look.

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one of the most important pieces of the puzzle. That’s where commercial umbrella policies come in.

Swipe to learn more about how this coverage works and whether it's right for your business.

If you'd like to talk through whether a commercial umbrella policy makes sense for your business, know that we are always happy to help. Feel free to give the office a call today.

A new school year brings new routines, new responsibilities, and a timely reminder to check in on your family’s health before schedules become hectic. Back-to-school preparation is not only about supplies and calendars, but it is also a good time for both children and adults to review preventive care, update health needs, and make sure everyone is ready for a strong start.

With that in mind, our team wanted to share some key back-to-school health prep tips. Swipe for more information.

If you have questions about preventive care benefits, coverage for annual visits, or how your health insurance can support your family’s back-to-school needs, contact our office. We’re here to help you make the most of your coverage.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.