Kris Flores Insurance Solutions LLC

Every September, the industry — led by Life Happens — comes together to sponsor Life Insurance Awareness Month (LIAM). This campaign is designed to educate consumers about the importance of life insurance and its role in protecting families' financial security.

Everyone knows the main reason we buy life insurance — to help protect the ones we love in the event of death. But you may be unaware of the many applications life insurance can help cover outside the traditional death benefit.

In celebration of Life Insurance Awareness Month, we want to drive awareness and education to help you secure a financial future. We have the tools and resources to to help protect you and your family. This September, we want to show our communities all the reasons to love life insurance.

Life insurance can address many life events including:

Income replacement
Home ownership protection
Saving for college
End-of-life planning / long term care
And supplementing retirement income

Call us today to learn more.
We are always here to help you find the right solutions for your needs.

Kris Flores Insurance Solutions
NO FAMILY LEFT BEHIND

MESSAGE FROM CHUBB:

Nearly every day, a Chubb client reports a stolen vehicle.

As a leading insurer of luxury vehicles, Chubb understands how meaningful your vehicle is to you — and we strive to do more to help you protect it. To that end, we want you to be aware of important car theft trends — as well as provide you with critical auto theft prevention advice.

According to our recent claims data, the most frequently targeted vehicles include:

•Aston Martin
•Bentley
•Lamborghini
•Mercedes (G-Class SUVs)
•Porsche
•Range Rover
•Rolls Royce

Chubb's analysis reveals how thieves typically gain access to luxury vehicles — so we’ve developed the following tips to help protect your car. We urge you to:
• Always remove the key fob, even when your vehicle is parked in your own garage or temporarily parked for quick loading or unloading. Leaving a key fob is the number one factor associated with luxury car theft.
• Garage your luxury vehicle. Even gated driveways can be vulnerable — motivated thieves will jump a gate or wall and are not typically deterred by surveillance cameras. If space is an issue, give garage priority to the vehicles listed above.
• Use alternative transportation in risky environments. We’re seeing instances of luxury vehicles being stolen when parked with a valet or in airport lots. Often these thefts can be attributed to staff carelessness and/or thieves watching lots, looking for desirable vehicles. Consider using a vehicle less likely to be stolen or taking a car service.
• Carefully vet service providers. Experienced car thieves often work together, targeting cars in a systematic way. In some instances, we suspected service providers (such as auto detailers) supplied information to thieves.
• Program your car’s HomeLink universal garage door opener (if applicable) instead of leaving a remote garage door opener in your car where it can be stolen.

For more information, please call us. We are always here to help.

Kris Flores Insurance Solutions

Are you going on a trip this summer and planning on renting a car, consider using their insurance. Below are a few reasons this might be helpful to you in the future:

1. You are still responsible for your auto insurance deductible.

2. Your auto insurance does not cover “loss of use” for the rental company, meaning that cost falls on you.

3. A claim on your insurance for a rental car may increase your insurance rates at the next renewal.

4. Insurance provided by your credit card may not provide as much coverage as you think.

5. Your personal auto insurance may not cover business trips, even if you stay for pleasure.

6. International travel is often excluded from personal auto insurance.

If you have questions, we are always here to help. Call us.

Kris Flores Insurance Solutions
469-951-6842 😀

Workplace Violence / Negligence - Claim Verdits
IT COULD HAPPEN ANYWHERE

This is a great article put out by TRAVELERS INSURANCE

Top Workplace Negligence Judgments Even with the proper preventative measures in place, an unpredictable workplace negligence event can impact your business and bottom line.

PROTECT YOUR CAR FROM HAIL DAMAGE

5 Tips on How to Protect Your Car From Hail Hail can cause serious damage to your car, but there are steps you can take to protect it. This includes choosing the right car cover, parking in the right places, and more.

NEVER FORGET

ALAN JACKSON - WHERE WERE YOU
https://youtu.be/Zj6rMcVNQbw?si=xa6tuEasdGif8n8w

"When two towers fell, we rose as one" Micheal Bloomberg

THE NEVER FORGET FUND
9/11 Memorial & Meseum
https://neverforget.org/

YES YOU DO!!!!!!!

Kris Flores Insurance Solutions LLC

Here are just a few of the HAPPY customers I've helped:

Medical Offices
• Dentists
• Dental Surgeons
• Orthodontists
• Chiropractors
• Optometrists
• Ophthalmologists
• Psychologists
• Physical Therapists
• Audiologists
• Osteopaths
• Nutritionists
• Podiatrists

Professional Offices
• Accountants/Tax Preparers
• Lawyers
• Insurance Agents
• Architects and Engineers
• Billing Services
• Consultants
• Graphic Designers
• Real Estate Agents
• Real Estate Appraisers

Service
• Barber Shops
• Hair Salons
• Beauty/Nail Salons
• Copying
• Dental Labs
• Funeral Homes
• Pet Groomers
• Photographers
• Shoe Repair

Retail
• Florists
• Bakeries/Cheese ShopsPets/Pet Food
• Clothing
• Optical/Sunglasses
• Shoe Stores
• Gifts/Greeting Cards
• Bed and Bath
• Hobbies/Craft/Art
• Books/Magazines/News

Restaurants
- Noncommercial Cooking Shops
- Bagel
- Cookie
- Popcorn
- Sandwich
- Delicatessen/Sandwich
- Hot Dog
- Coffee
- Pretzel
- Donut
- Pizza
• Juice, Health Drink and Smoothie Bars
• Bistros and Cafés
• Fine Dining
• Family Style
• Non-Franchised Fast Food

Residential Apartment Buildings
• Four families or less with mercantile or office occupancy only
• More than four families with or without mercantile occupancy
Condominiums
• Residential Condominiums (association risk only)
Townhouses or Similar Associations
• More than four families with or without mercantile or office
occupancy

HOW CAN I HELP YOU???
I AM HERE TO HELP YOU MAKE SURE YOU GET THE BEST COVERAGE FOR THE BEST PRICE.
CALL ME TODAY!

Kris Flores, CIC, CISR
Texas Licensed Risk Manager
469-951-6842

Who would benefit from FLOOD coverage? Almost everyone.

Floods are the most common and devastating disaster in the U.S.

1 inch of flooding in your home can cost $25,000 or more in damages to your home

90% of natural disasters in the U.S. involve flooding

$195k Average flood claims payout

Flooding can happen just about everywhere it rains or snows, which means most clients would benefit from having flood insurance as part of their personal insurance program — especially those who live by the water or in neighborhoods with heavy construction, concrete, or varying land undulation.

But did you know flooding is now our nation's #1 most common natural disaster? Note these three “historical” flood events took place in areas we often don’t associate with high flood risk within the last three months:

• Parts of the Hudson Valley received 10” of rain in one day in July, which was considered to be a “1000-year" event. For context, that’s roughly the same amount of rain the region typically receives over the course of three months.

• Over 11" of rain was recorded in parts of Kentucky, shattering the old record (10.28") by almost an inch.

• Hurricane Hilary dropped over 11” of rain in some areas of the Southwest, nearly equaling the total amount of rainfall these areas customarily see in an entire year.

✝️ Happy Easter ✝️

May this day bring you joy, happiness, and a well-deserved break from your daily routines. Take a moment to reflect on the importance of family, friends, and community.

💗Let us continue to work together to create a world where everyone feels safe and supported. 💗

Wishing you a blessed Easter filled with peace and gratitude. 🐣

Kris Flores Insurance Solutions LLC

DO YOU OWN A MOTORCYCLE? We are having a lot of fun insuring motorcycle's for our clients. MOTORCYCLES ARE FUN but accidents DO HAPPEN. The proper insurance policy can cover your bike if damaged and also cover the cost of medical bills for people involved in an accident. MAKE SURE YOU HAVE THE RIGHT PROTECTION IN PLACE.

Call us today if you would like a quote or if you would like us to review your current policy coverages with you.

WE ARE HERE TO HELP!

Kris Flores
469-951-6842 phone
www.KrisFloresInsurance.com

A strong majority of Americans (82%) value leaving behind a strong financial legacy.

A significant number of people (38%) lack confidence they will leave a strong financial legacy.

One-third (33%) of Americans say their family would be left financially unstable or bankrupt in the event of their death.

DON'T LET AN UNEXPECTED DEATH LEAVE YOUR FAMILY IN FINANCIAL STRESS.

LIFE INSURANCE is a great way to help your love ones during a very difficult time.

CALL TODAY for a quote. The process is simple, confidential and the cost is not as expensive as most people assume. Don't wait. Accidents happen everyday!!

Kris Flores
Insurance Solutions
469-951-6842

Are you wondering why your AUTO rates are going up? This is a great article from Travelers, it's worth the read!

How Product, Labor and Legal Trends Are Driving Increased Vehicle Insurance Rates [Infographic] Factors ranging from the rise in attorney representation in bodily injury claims to the higher costs of replacement parts for technically complex cars and trucks continue to drive up claim costs for insurance carriers.

I am having a lot of success helping people improve their coverage and save money on their auto insurance for COLLECTOR and CLASSIC cars.

If you have a car that is not your primary vehicle, one that you may drive on the weekends, a project car or one that you enter into car shows, call me. Here are some of the ones I have recently insured:

1928 Ford Model A $25,000 stated value

1931 Ford Model A $28,000 stated value

1949 Chevrolet Truck $57,000 stated value

1953 Lincoln Capri $37,500 stated value

1955 Ford Fairlane $45,000 stated value

1956 Ford Thunderbird $42,500 stated value

1966 Oldsmobile Cutlass $55,000 stated value

1966 Ford Mustang $17,000 stated value

1969 Pontiac Firebird $17,000 stated value

1971 Jeepster Commando $10,000 stated value

1972 Chevrolet Pickup $65,000 stated value

1972 Chevrolet Nova $20,000 stated value

1980 Trimph Spitfire $5,000 stated value

1992 Mazda MX-5 Miata $7,500 stated value

2002 Volkswagon Cabrio $5,000 stated value

2004 Mazda RX-8 $5,000 stated value

2006 Maxda MX-5 Miata $7,000 stated value

2008 Mazda MX-5 Miata $9,000 stated value

2005 Mazda RX-8 $5,000 stated value

1999 Jeep Wrangler $5,000 stated value

Employers should carefully review the updated OSHA COVID-19 guidelines and be prepared for on-site inspections. Do you know what to do if OSHA shows up at your jobsite? OSHA fines can be costly. Be prepared. I'm here to help.

Kris Flores, CIC, CISR
Licensed TX Risk Manager
Insurance Broker
469-951-6842

OSHA Issues Updated Guidance on COVID-19 Enforcement On July 7, 2021, OSHA issued revisions to its National Emphasis Program for COVID-19, DIR 2021-03 (CPL 03) (“Revised COVID-19 NEP”), and released an Updated Interim Enforce

Pools are a fun and effective way to cool off from the summer heat, but they can also be a safety hazard. Make sure you follow these steps to create a secure play zone for your household. https://bit.ly/3basjqN

Pool Safety from Foremost Make sure you and everyone else in and around the pool are safe with these tips!For customer information, please visit www.foremost.com. If you are an insura...

Hydration - Keeping Workers Cool and Comfortable

Construction workers can beat the heat by ensuring an adequate water supply is available.

For workers in many industries, hot, humid and hard-working conditions are a fact of life. Construction, utility and agriculture workers regularly toil outside in hot, humid weather. Employees in manufacturing plants, metal processing facilities and foundries also face severe heat from these indoor operations. Workers who must wear heavy, protective apparel on the job feel the heat no matter what the weather.

Industry estimates place the number of workers for whom heat stress is a potential safety and health hazard at 5 million to 10 million. For these workers and others, access to clean drinking water is a serious issue - one that affects their health and productivity.

Without easy access to fluids, workers can become dehydrated, which is a prime cause of heat illness. In addition to the health benefits of proper hydration, workers who hydrate correctly are more comfortable, cool and alert - making for a more productive and healthier work force.

How the Body Handles Heat

The human body maintains a fairly constant internal temperature, even when exposed to varying environmental temperatures. To get rid of excess heat, the body varies the rate and amount of blood circulation through the skin and the release of fluid onto the skin by the sweat glands.

As environmental temperatures approach normal skin temperature, cooling of the body becomes more difficult as blood brought to the body surface cannot lose its heat.

At that point, sweat evaporation becomes the principal means to maintain a constant body temperature.

Sweating does not cool the body, however, unless the moisture is removed from the skin by evaporation, which is difficult under conditions of high humidity or when wearing heavy protective clothing. Moreover, profuse and prolonged sweating can also disturb normal cardiovascular functions, according to the American Conference of Governmental Industrial Hygienists (ACGIH).

Excessive exposure to a hot work environment can bring about a variety of heat-induced disorders. In fact, after just two hours of moderate work, workers may begin to feel the initial stages of heat stress. After another hour, they may start to lose strength, energy and focus. At its most severe point, heat stress can result in collapse or unconsciousness.

The human body requires fluid to control temperature and maintain muscle function. In hot, hard-working conditions, workers can lose up to 1.5 liters of water each hour in the form of sweat. Plus, sweat-laden skin and clothing reduce heat dissipation normally performed by the body.

How to Hydrate

Replacing body fluids lost during sweating, therefore, is the single most important way to control heat stress and keep workers comfortable, productive, alert and safe. In fact, physiological studies have shown that fluid ingestion reduces the rise in body temperature by promoting higher skin blood flow. The greatest rates of skin blood flow occurred in these studies when the largest volumes of fluid were ingested during physical activity.

The National Institute for Occupational Safety and Health (NIOSH) recommends fluid replacement not only as treatment for heat exhaustion, but as a preventive measure (i.e., water intake equal to the amount of sweat produced). The Occupational Safety and Health Administration (OSHA) identifies fluid replacement (drinking water) as one of its top 10 tips for staying cool in hot workplaces. ACGIH also calls for similar water intake for workers in hot conditions.

Hydration experts from NIOSH, ACGIH and OSHA recommend drinking every 15 to 20 minutes - not just during rest breaks - to stay sufficiently hydrated and maintain a safe core body temperature. This puts less strain on the cardiovascular system and can lead to fewer heat-related illnesses and injuries.

Other tips for keeping workers hydrated and healthy :

> Drink before, during and after physical labor to replace body fluid lost in sweating.
> Anticipate conditions that will increase the need for water, including high temperature, humidity, protective clothing and difficulty of work.
> Keep in mind that by the time you are thirsty, you are already about 2 percent dehydrated. Once you are dehydrated, it's difficult to make up for that lost hydration.
> Drink 5 to 7 ounces of fluids every 15 to 20 minutes to ensure proper hydration.
> Keep individual containers of cool, clean water within easy reach at all times. NIOSH recommends prohibiting communal drinking containers in workplace settings, and ACGIH recommends placing water close enough to workers so they can reach it without abandoning the work area.
> Drink cool water, which is absorbed more quickly by the body than warm or very cold fluids. NIOSH and ACGIH recommend drinking water of 50 to 59 degrees.
> Try carbohydrate/electrolyte drinks to help avoid heat cramps that can occur up to several hours after working.
> Avoid coffee, tea or soda, which act as diuretics, further depleting the body of fluid. Never drink alcohol while working.

Even sedentary workers should drink eight 8-ounce servings of water every day.

When workers are properly hydrated, they are healthier, safer and more productive, no matter what the weather or working conditions.

TALK TO YOUR EMPLOYEES. REMIND THEM TO STAY HYDRATED! THIS CAN PROTECT THEM AND YOU FROM A WORK RELATED INJURY OR DEATH.

For more information or if you would like safety materials to share with your employees, give me a call! I am here to help!

Kris Flore Insurance Solutions
469-951-6842

APRIL 2021 marked the 1 YEAR ANNIVERSAY for Kris Flores Insurance Solutions. I am overwhelmed with the love and support of my family and friends. I'm grateful to those of you that have chosen me as your insurance broker. Thank you to everyone for sharing my information with your friends and family, YOU ARE THE HEARTBEAT OF MY BUSINESS! I truly enjoy what I do because I get to meet amazing people everyday.

Giving has always been a passion of mine. There is no greater gift than your time but money is good too! If you know me, you know that I do volunteer work as much as I can, for many different organizations. As a way to celebrate our 1st year of KFIS, we made a monetary donation to a local church in Prosper. The money will be used to send high school students to camp. Thank you again for your support and for allowing us the opportunity to give.

ROUND TWO.... here we go!

Much love,

Kris Flores, CIC, CISR
Kris Flores Insurance Solutions
469-951-6842

I love working with churches....

Did you know more than 2,000 houses of worship open annually. Maintaining proper insurance is imperative to protecting the mission of each place of worship, the members and guest that come through the doors. We can provide insurance programs with a variety of tailored coverages for all faiths and denominations by including:

- General liability
- Abuse and molestation
- Pastoral professional coverage
- Hired and non-owned auto
- Buildings and equipment including instruments
- Fundraisers, special events, missions, and retreats
- Outreach and support ministries such as food banks, soup kitchens, thrift stores and shelters
- Parsonage/residential occupancy for clergy
- Assisted living centers
- Daycare centers

Please let me know if you have any questions. We’re happy to come visit with you to share more about how we can support your church.

Kris Flores, CIC, CISR
Insurance Broker
Licensed Risk Manager
Kris Flores Insurance Solutions
469-951-6842
[email protected]