As many of you know, one of my bucket list items after retiring from the Big “I” in 2016 was starting a band and gigging regularly. I did that and we’re known around the Nashville area as The Spyders. You can check out the Facebook and YouTube pages for TheSpydersBand. But, to the issue(s) at hand….

A couple of months ago, our bandleader John and his wife contracted COVID. Their response to the virus was like a case of the flu, though fortunately no more serious. But to speed their recovery, I made a pot of chicken soup and took it over to them. Despite being vaxxed, John swears it was the chicken soup that cured them. So, as an added bonus to this article (yes, I’ll get to the risk management aspects momentarily), I’ve included my recipe below.

What I’m getting to in a roundabout way is the importance of loss control in risk management. As we’ve largely discovered through COVID litigation involving business income losses, insurance is not always a feasible way to mitigate risk. It’s not always the best or exclusive way. Virtually all risk management programs should incorporate healthy doses of loss control, both loss prevention and loss reduction.

What we appear to have learned so far with the COVID pandemic is that the vaccines produced do not appear to significantly reduce the susceptibility to or spread of the virus. They do appear to reduce the severity of the illness, BUT there are other measures that do so as well.

One of the most striking omissions I’ve noticed in the media is that, other than constantly promoting vaccination, there is very minimal discussion of other loss control measures for treating the COVID pandemic. We might have viewed vaccination as the “insurance cure” for COVID, but vaccination, again, doesn’t appear to be the be-all and end-all solution we thought it might be.

Not long ago, the CDC acknowledged that 75% of COVID-related deaths involved at least FOUR (4) comorbidities and 95% had at least one (1) underlying medical condition that contributed to death, especially high blood pressure and/or cholesterol levels and diabetes. Basically, if you were healthy and not elderly, you were highly likely to survive COVID. The strongest risk factors for death were obesity, anxiety and fear-related disorders (as if much of the media coverage did anything to mitigate fear). One often cited study indicated that virtually all hospitalized patients had subnormal levels of Vitamin D and most had some degree of obesity. It is still not clear just how many hospitalizations and deaths were CAUSED BY the virus vs. WITH the virus.

That being said, how often to you hear the government or media express any urgency to encourage people to lose weight and focus on proper nutrition? During the past two years of the pandemic, The Spyders have played gigs in packed venues, most of them largely maskless. So far, either I’ve not gotten the virus or I’ve been asymptomatic, even after my wife contracted COVID. It’s not that I’m ambivalent to risk…in fact, I lean to the risk aversive side. However, I’ve taken all the precautions I believe I can to enable me to continue leading a relatively normal life.

I’m vaxxed and boosted but long before any vaccines were available, with my physician’s concurrence I’ve been taking supplements to boost my immune system such as vitamins D (8400 IUs daily) and C, zinc, quercetin, black elderberry, and a couple of others that escape me at the moment. While I don’t often make New Year’s resolutions, this year my resolution is to lose the weight I know I need to lose to further improve my general health and immune system.

The point I’m making is that there is more to risk management than any single technique. With COVID, I believe proper nutrition and health (loss prevention) should be addressed at a level of importance commensurate with vaccines and other remedial treatments (loss reduction). As Gen. Jimmy Doolittle once said, “The problem with Americans is that we’re fixers rather than preventers.” Let’s give loss prevention its due.

Finally, without further delay, the following is my very simple but effective chicken soup recipe:


Bill’s Miracle Flu, Cold & COVID Remedy

There are certain things that have a long shelf life that I keep in my pantry in case of emergency. I almost always have the ingredients necessary to make different kinds of soups. This is a very simple recipe for an excellent chicken soup.

So far, a pot of this has all but cured four family and friends of their COVID symptoms. Significant relief is immediate. (For what it’s worth, each person was vaxxed and that might have contributed, however slightly, to their recovery.) Best of all, the ingredients can be kept for months and used when urgency is needed.


  • (4) 32 oz. cartons Kroger chicken stock
  • (1) 10.5 oz. can Campbell’s cream of chicken condensed soup
  • (1) 14.5 oz. can Kroger sliced carrots, diced
  • 20-25 oz. canned Kroger premium chicken breast
  • 2-3 big handfuls of Kroger medium egg noodles
  • 1-2 Tsp each lemon pepper, garlic powder, celery flakes (for cleaner sinuses, add regular pepper)


Combine everything except noodles in a pot, bring just to a boil, add noodles, then simmer for an hour or so. Serve piping hot.

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Bill Wilson

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One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America. Reprint Request Information