Skip to main content(Press Enter).
The COVID-19 Coronavirus health crisis is presenting unprecedented challenges that are being felt worldwide and deep in the heart of our communities. At Combined Insurance, we have taken steps to protect our employees and their families while working to maintain solid levels of support and service for our customers
Start of main content
Avoid virusesThis summer we are all facing potential infection from the coronavirus, so it’s more important than ever to listen to our experts and do what we can to be our healthiest selves.
Know and follow the CDC guidelines and listen to your local government to take the precautions necessary to avoid contracting the virus.
Additionally, strengthen your immune system by getting plenty of sleep, eating nutritional foods and managing your stress.
One of the best things about summer is getting outside and enjoying the warm sunshine—all day and evening long. While the sun is a great (and mood-boosting) source of Vitamin D, its ultraviolet (UV) rays are a risk factor for sunburn, skin cancer, premature aging of the skin and more.1 Here are precautions you can take to avoid the “dark sides” of sun exposure:
Get more information in Sunlight and Your Health.
All that fun in the sun and you’re bound to break a sweat. Just make sure your body doesn’t get overheated, because heat-related illnesses, including heat stroke and heat exhaustion, are among the nation’s top weather-related killers.4 Keep in mind that the warmest temperatures usually occur from 2-4 in the afternoon. Here are some things you can do to stay safe:
Summer months bring out the insects—and they’re sure to “bug” you at some point. While most bites and stings heal on their own, it’s important to know when you need to call for care7:
Call 911 if you spot symptoms of a severe allergic reaction:
Call your doctor if you notice symptoms of an allergic reaction:
You’ll also want to contact your doctor if there’s a sign of infection around the area of the sting, such as increased pain, swelling, redness, or warmth; red streaks; pus draining; or a fever. If there are any overall health changes after the incident or recovery is taking longer than expected, don’t be shy: call your doctor.
On the other hand, if you’re looking for relief from minor pain and a little itching or redness at the site of the bite or sting, you can apply an ice pack, elevate the affected area of the body or try a nonprescription medicine.
A misstep along the trail (or even your garden!) can lead to contact with oil from poison ivy, poison oak or poison sumac plants—and that means contact dermatitis. Itching, red rash, and blisters can start up any time from a few hours to several days after exposure8, so know how to help protect yourself:
Take water safety seriouslyIt’s easy to forget the rules, throw caution to the wind, and focus on just having a good time when you’re at the pool, lake or ocean, but this is precisely when you need to be on guard. According to the CDC, drowning is the #5 leading cause of unintentional injury-related death in the country,9 and in 2017, the Coast Guard reported that there were 4,291 boating accidents that resulted in 658 deaths.10 Protect yourself and your loved ones by keeping these reminders in the forefront, and vow to follow them no matter how much fun you’re having or how safe the situation feels:
BonfiresWarm summer evenings can be the perfect setting for s’mores around the bonfire. Teens, especially, seem to love this activity, and it can be a great setting for telling stories, singing songs and building friendships. Take these precautions to make sure everyone stays safe:
Accident InsuranceAs diligent as we may be, accidents still happen. According to the National Safety Council, around 1 in 7 Americans sought medical attention for non-fatal injuries in 2018.11 Accident insurance is designed to pay you whether you are on or off the job, 365 days per year, if a covered event occurs. To find out more, contact one of our agents today!
Want more ideas for a safe and healthy summer? Don’t miss:
4 Common Summer Activities that Cause Back Muscle Strains and Sprains
This blog post is intended for educative and entertainment purposes only. It should not be construed as a solicitation.
Accident policies underwritten by Combined Insurance Company of America (Chicago, IL) in all states, except New York. In New York, Accident policies underwritten by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York. Exclusions and limitations apply. See policy for complete details.
1 “Skin Cancer Foundation.” Treatments for Stage III and Stage IV Melanoma - SkinCancer.org, www.skincancer.org/skin-cancer-information/skin-cancer-facts. 2 “The National Institute for Occupational Safety and Health (NIOSH).” Centers for Disease Control and Prevention, Centers for Disease Control and Prevention, 1 June 2018, www.cdc.gov/niosh/topics/sunexposure/default.html. 3 “Action Steps for Sun Safety.” EPA, Environmental Protection Agency, 25 Oct. 2016, www.epa.gov/sunsafety/action-steps-sun-safety. 4 US Department of Commerce, and NOAA. “Heat Safety Tips and Resources.” National Weather Service, NOAA's National Weather Service, 28 Mar. 2018, www.weather.gov/safety/heat.
5 US Department of Commerce, and NOAA. “Heat Cramps, Exhaustion, Stroke.” National Weather Service, NOAA's National Weather Service, 8 May 2018, www.weather.gov/safety/heat-illness. 6 staff, familydoctor.org editorial. “Heat Exhaustion and Heatstroke.” Familydoctor.org, Familydoctor.org, 14 Feb. 2017, familydoctor.org/condition/heat-exhaustion-heatstroke/.
7 “Insect Bites and Stings (Children).” WebMD, WebMD, www.webmd.com/first-aid/insect-bites-and-and-stings-children#1 8 Commissioner, Office of the. “Consumer Updates - Outsmarting Poison Ivy and Other Poisonous Plants.” U S Food and Drug Administration Home Page, Center for Biologics Evaluation and Research, www.fda.gov/ForConsumers/ConsumerUpdates/ucm049342.htm.
9- “Home and Recreational Safety.” Centers for Disease Control and Prevention, Centers for Disease Control and Prevention, 2 May 2016, www.cdc.gov/homeandrecreationalsafety/water-safety/index.html.
10- “Accident Statistic.” Recreational Boaters, www.uscgboating.org/statistics/accident_statistics.php.
Overview. (n.d.). Retrieved from https://injuryfacts.nsc.org/all-injuries/overview/
Boom, Sizzle, Celebrate: Family Fireworks Safety Tips
Melanoma Awareness Month
Committing to Growth During the Pandemic: Building Resilience
Get protection from the hidden costs of accidents, illnesses and income disruption.
Offer your employees additional benefits with no extra cost to your company.
Learn more about our leadership, our vision and what we're doing.
“Start of statement by W. CLEMENT STONE, FOUNDERDo the right thing because it's the right thing to do.End of statement ”W. CLEMENT STONE, FOUNDER
Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
Products & Solutions
© 2020 Combined Insurance. All rights reserved.