Archive for September, 2017

Hays Companies Names Frank Bacon As National Pharmacy Consultant

MINNEAPOLIS, MN – Frank Bacon has been named as a National Pharmacy Consultant within Hays Companies.  The Pharmacy Practice serves employee benefits clients to better manage the effective delivery of prescription benefits while maximizing cost efficiencies within organizations.

Bacon joined Hays Companies in 2016, bringing over ten years of pharmacy experience with him. Prior to coming aboard the Hays team, Bacon served as a PBM Network Pricing Consultant for one of the nation’s largest Pharmacy Benefit Managers. He draws on that experience while advising Hays’ clients on how to best manage and mitigate prescription related costs. Bacon’s unique insights are invaluable in navigating the complicated pharmacy benefits systems.

His new responsibilities will include advising Hays clients in PBM contracting and pharmacy benefit design.

If you have any questions regarding Hays Companies Pharmacy Practice, please reach out to your local Hays Consultant or contact

Restaurant Risk Insights: Health Inspections

Approximately 3,000 state and local agencies are responsible for inspecting more than one million food establishments in the United States, according to the Food and Drug Administration (FDA). Health inspectors investigate a company’s food handling, preparation and storage procedures to ensure that food is fresh and the environment in which it is prepared is sanitary. The Center for Disease Control (CDC) reports that approximately 48 million Americans get sick, 128,000 are hospitalized and 3,000 die of foodborne illness each year.

On average, state health departments conduct health inspections two to four times per year.

There are three types of inspections:

1.       Routine inspections are usually unexpected. The inspector examines of all aspects of your restaurant to ensure compliance with state health codes.

2.       A complaint inspection happens after customers observe unsafe food practices or complain they got sick as a result of dining at an establishment.

3.       A follow-up inspection occurs after a restaurant was issued a violation and was given a certain amount of time to correct the violation.

Preventative Measures

Mandated by law, health inspections cannot be avoided. Take a proactive approach and you’ll always be prepared for an unexpected inspection. While consistent readiness may not always be feasible, it’s an important goal to work towards.

Having preventative measures in place will help you during a health inspector’s visit. Here are some ways to stay on top of inspections:

·         Research your local and state laws regarding health inspections. Laws vary from state to state. Know what laws are applicable to your establishment.

·         Obtain a copy of the food service inspection checklist for your state and regularly conduct your own health inspections to ensure your business is ready for the day when the real inspector shows up.

·         Consult the FDA website for a current copy of the Food Code, which offers suggestions and best practices for food safety and health inspections. Many state laws have been modeled after this document.

·         Join your state’s restaurant association to stay on top of state regulations regarding food safety, foodborne illness and health inspections.

·         Require employees to take food safety courses and make safe food handling and preparation a priority in your company’s culture. Display food safety posters and other relevant safety information in the kitchen, at hand washing stations and in the employee break room so information is readily available to all employees.

For more information about health inspections, managing your risks and obtaining insurance for your business, please visit to get in touch with your local consultant.

Tropical Storm Irma – Status and Updates

As of Monday, Irma has officially been downgraded to a tropical storm.

After battering its way up Florida over the weekend, Irma has moved through Georgia and South Carolina, leaving nearly fifteen million without power as flooding and winds continue to produce damage. Currently, officials are predicting that it could take up to ten days for all of the affected areas to have full power restored.

And although the storm is over, it does not mean that the danger has subsided. If you or a loved one is in an area that was affected by Irma, please follow these safety tips as provided by the Centers for Disease Control and Prevention to keep safe as rebuilding efforts begin:

  • If the power is out, use flashlights instead of candles. To check power status, please visit:
  • Never use a wet electronic device.
  • Do not use a generator inside, or outside near an open window as it can cause carbon monoxide poisoning.
  • Be careful near damaged buildings as flooding can cause them to become structurally unsound. Use caution when returning to a home or business.
  • Do not drive through floodwater, as it can it be deeper than you think. Additionally, downed power lines can also cause floodwater to become electrically charged.
  • Stay clear of fallen power lines. Call the electric company to report them.

What’s next?

When trying to clean up the damage caused by a storm of this magnitude, it can be overwhelming to know where to begin. We have you covered with our dedicated disaster recovery team.

After receiving the official announcement from authorities that it is safe to return and you find you have sustained property damage or business interruption, you should:

  • Call Hays Emergency Claims Center at 612-373-7292 or email
  • Record video or photograph of property damage.
  • Track all expenses you incur to mitigate your loss and continue business.
  • Exercise caution when inspecting damage. Do not try to inspect damaged utilities and appliances; contact a professional to do so.
  • Do what you can to prevent further damage to your property, (e.g., putting a tarp on a damaged roof), as insurance may not cover additional damage that occurs after the storm.
  • Secure Inventory – prior to a storm’s arrival, you should have compiled an inventory of all of your possessions at your home or business. If you did not create one, start as soon as possible.
  • File a Claim Immediately – it is in your best interest to file a claim as quickly as possible. Insurance adjusters may not be able to access the property right away, but it helps insurers to know where to look for damage and how to contact you in the coming weeks.

For additional information on how to stay safe after a hurricane, please visit:

Additional Helpful Links:

National Weather Service:

National Hurricane Center:

Public Health Sanitation Division:

Hays FOCUS: Biometrics

A drop of blood can tell a lot about you. That’s good. And bad.


In this age of technological and scientific breakthroughs, the most revealing medical test may come from a single drop of your blood.

Every drop of the 1.5 gallons of blood that you have in your system teems with data. Not just about your current state of health, but also your future health.

“There’s a data set in blood that is 100 times more interesting than that in the genomes.”— Dr. Eugene Chan, CEO of the DNA Medicine Institute.

Like many scientists and entrepreneurs across the country, Chan’s work taps into the huge potential in blood to indicate what illnesses may be lurking in the body.

As with the simplicity of today’s biometrics testing, Chan believes that in the future, blood screening may be able to detect early breast cancer and even detect early signs of Alzheimer’s, increasing the likelihood that treatment begins before toxic changes start attacking the brain.

It’s easy to see why growing numbers of large companies are recognizing the significant advantages of blood screening. They are accessible, inexpensive, and provide potentially life-altering information.

Many health conditions may soon be detected with a simple blood test.


the time it takes for a basic Biometric screening that includes: blood pressure, cholesterol levels, blood sugar levels, disease risk, body mass index (BMI), triglycerides levels — the amount of fatty acid in the blood.


of health risks are preventable and reversible through lifestyle changes.


the dollar amount that diagnostic tests, including blood-based, could grow to by 2018.


health threats that Biometrics screen for are: heart disease, diabetes, and hypertension.

Biometrics are becoming a healthy investment.

There is a healthy trend emerging in business today.

A growing number of large companies are taking action-oriented interest in the health of their employees by enhancing wellness programs to include Biometrics.

Basic Biometric screenings gives employees:

  • A report identifying specific health risks
  • Recommendations for addressing risks
  • Suggesting providers who can assist in reaching goals

Biometric screenings also provide valuable information to many employees who do not get regular physicals. These screenings can alert them to medical conditions that may go unchecked.

Blood-based diagnostic tests are estimated to grow into a $27.5 billion business category by 2018.

As a result of the acceptance in combining Biometrics and wellness programs in the last two years, 64 percent of large employers are now offering incentives such as health insurance premium discounts/credits or gift cards.

All things considered, Biometrics are an investment that is protecting employees from potential health dangers such as risks for heart disease and diabetes and generates increased productivity and reduces sick days.

Biometrics information is good. Who may have access isn’t.

With the ever-emerging growth of digital technology, simply storing the data is problematic. Controlling access is the most critical issue, as the personal health data captured from Biometric screenings needs to stay confidential.

Because of HIPAA laws, personal medical information is required to be kept strictly confidential.

In fact, as storing data becomes more of an issue, privacy becomes a greater concern. According to industry reports, a review of privacy policies showed that many wellness vendors adopt policies allowing them to share identifiable data with unnamed third parties and agents who are working to improve employee health. Beginning January 1, 2017, there are new confidentiality protections from GINA and the ADA which require disclosures to employees as to how collected wellness data will be used. Your Hays Representative can help ensure you stay compliant with these new standards.

Thus the digital data privacy issue is three fold:

  • Growing amounts of digital data
  • Finding secure storage
  • Protecting confidentiality

With the growing popularity of wearables, more health data is on the way.

ABI Research projects that by 2018, more than 13 million Fitbits and other wearable devices used in corporate wellness programs will be collecting and storing personal health data.

As Robert Gellman, an independent privacy and security consultant with 40 years experience, explained, “I don’t know of any best practices from the wellness industry to handle the data. It’s the Wild West.”

If you have questions about Biometrics, data security, and wellness programs working together, your Hays representative can provide the answers and guidance you need to make smart and safe decisions for your company and employees.

To learn more about Biometrics, please visit:


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Loss prevention tips for all your home matters provided by Hays Companies Private Client Group

The best way to minimize damage from a hurricane is to be prepared before one strikes. To help you plan and remain safe at home during these potentially deadly storms, follow these safety tips.

During Hurricane Season:

·         Plan evacuation routes and designate a contact person who family members know to call once the storm is over.

·         Stock up on items such as bottled water, flashlights, battery-operated radio, nails, tarps and plywood.

When There’s A Hurricane Threat:

·         Keep an up-to-date log of all of your possessions with photographs and videos, and review your home insurance policy.

·         Place important, valuable papers such as your log of possessions and insurance policy in waterproof bags.

·         Cover windows and doors and secure outdoor furniture.

·         Refill your prescriptions, fill up your gas tank and withdraw a week’s worth of cash so you are prepared in the event of a power outage.

·         Move your furniture and valuables to higher floors of your home.

·         Gather emergency supplies and fill bathtubs with clean water.

·         Move to higher ground away from rivers, streams, creeks and storm drains. If you are told to evacuate, do so immediately.

During a Hurricane:

•             Listen to your battery-operated radio for instructions from the local authorities on evacuation and safety guidelines.

•             Seek shelter in an interior room away from windows, such as a closet.

•             If the electricity goes out, use a flashlight to see; do not use candles.

•             If you hear the winds subside, do not assume that the storm is over. The calm may be the eye of the storm, and the worst part may still be coming.

Safety First

After a hurricane is over, stay inside until you hear that an “all clear” notice has been issued. If you were told to evacuate, do not return home until you have been given permission by the authorities. Additionally, exercise extreme caution when inspecting your home for damage. Do not try to inspect damaged utilities and appliances; contact a professional to do so.

Please call Hays Companies Private Client Group with any questions or claims. You can contact us 24 hours a day at (612) 747-1095 or

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Hurricane Preparation and the Aftermath

With the widespread devastation of Hurricane Harvey only just being fully understood and the catastrophic threat of Hurricane Irma hanging over the Florida coast, our thoughts are with those whose lives have been affected by these unprecedented storms.

Once the fear and worry caused for those directly in the path of destruction has subsided, what will remain is an underlying current of loss as rebuilding efforts begin. The tangible damage caused by hurricanes is vast – property damage, business interruption and expense as a result of various causes, such as wind, flood, loss of power, etc.

We understand that navigating the insurance claims process in these situations is far from top of mind, but it is a necessary step. Our Hays team has developed the following three phase approach to help bring your commercial claims to a quick and successful recovery.

Phase I – Evaluation and Planning

1.     Establish communication protocols both internally and externally

2.     Establish a claims team (Risk Management, Adjuster, Finance, Operations, Outside Contractors, etc.)

3.     Create a recovery plan for repairs and re-establishing operations

4.     Establish a timeline for claim submission, audit and adjustment

5.     Prepare loss estimates to enable proper reserves and initial advance payments from your insurer

6.     Establish accounting procedures for capturing loss activity accurately and efficiently

Phase II – Claim Preparation and Submittal

1.     Track and document all property damage claims

2.     Determine direct and indirect factors that impact business affected by the claim event

3.     Prepare loss analyses demonstrating business interruption

4.     Determine extra expenses related to the loss event

5.     Submit claim(s) to your insurer including explanatory narrative, calculations and supporting documentation

6.     Monitor timelines for claim process and business recovery

Phase III – Audit, Adjustment and Settlement

1.     Respond to inquiries from your insurer and their representatives

2.     Complete exchange of claim documentation and insurer’s evaluations

3.     Analyze insurer response to determine areas of difference and develop a strategy to address those differences

4.     Prepare for final claim negotiations and settlement with insurer

As we work to with you to prepare your claim(s) for submission, loss categories involving both property damage and loss of sales (Business Interruption) must be measured. We have included a number of insurance term definitions to keep in mind as we work together through the process of submitting your claim.

·         A Business Interruption claim is the sum total loss of profit to a company’s operations as a direct result of a covered loss.

·         An Extra Expense claim is the necessary expenses you incur during the “period of restoration” that you would not have incurred if there had been no direct physical loss or damage to property. This is often the sum total expense incurred to mitigate or minimize the severity of a Business Interruption claim.

·         A Property Damage claim is the sum total expense incurred to repair/replace/restore damaged property to its pre-loss condition.

We hope that these guidelines provide a clear path to restoring your business to what it was prior to the hurricane’s arrival. You may call our dedicated commercial claims hotline anytime at 612-373-7292, email, or contact your local Hays representative with any questions.