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Protect Your Officers with Drive Other Car Coverage

Linda is a junior partner in a law firm and drives a car that the firm owns and insures. The firm's auto insurance covers her as a partner and she doesn't own another car, so she sees no need to have her own policy.   Most of the time, this is not a problem. However, spring break comes and she takes her kids to DisneyWorld. She rents a car at the Orlando airport and never gives a thought to whether her firm's insurance will cover her if she has an accident with the rental. In this case, a phone conversation…

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Don’t Overlook Equipment Breakdown Insurance

Imagine it's a typical summer day. You own a 30,000-square-foot office building that is 85 percent occupied. And the air conditioning and ventilation systems stop working. The outside temperature is in the 90s and the humidity is high. It doesn't take long before the tenants start to complain. The contractor you hire determines that an electrical arc fried the circuit board that controls the environmental systems. The board must be replaced, but it will take up to five business days for it to arrive. In the meantime, the building is unfit for people to work in, and the leases oblige…

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Having a Baby? It’s Time to Renew All of Your Insurance.

Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don't forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family.  Below are a few pointers.  Health insurance  Before your baby is even born, review your coverage and make sure you understand how your plan covers your new family member, as well as the mother's needs during pregnancy. Think about prenatal vitamins, prenatal screenings and neo-natal tests, delivery of your baby, and pediatric care for your newborn. Notify your insurance carrier. Generally, health insurance carriers ask…

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Insure Your Classic Cars the Right Way

Insuring classic and specialty cars can be confusing for the first-time buyer, because how you cover the car depends on how you're going to use it. If you've never owned a classic before, you may not know the right questions to ask. But that's why we are here. Ask yourself if you would need any of these seven situations to be available from the company you insure your classic with: Being able to use your own mechanic for repairsBeing insured for what you feel the car's actually worthLiability insurance when participating at club eventsCoverage for damage incurred at car showsInsurance…

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Stay Healthy with Home-Cooked Meals

Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet.  According to research, eating home-cooked meals leads to better health than eating out frequently. While that's not surprising, there are other benefits too: Better-balanced meals Studies have found that eating out will increase your calorie, sodium and fat intake by at least 50%, although if you only eat out occasionally, taking in that extra food is not going to throw your weight off the charts…

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Common Questions About Fire Sprinkler Systems

Automatic fire sprinkler systems can save lives and property in both residential and commercial settings. There are several common questions that arise when people consider installing these systems. This guide provides answers to most questions, but those who have further questions should call us. Are fire sprinklers really effective? According to the National Fire Protection Association, there are no records of fires resulting in more than two fatalities in areas that had adequate sprinkler coverage. In cases where fatalities resulted in buildings with sprinklers, the people who died were usually in direct contact with flames before the sprinklers were activated.…

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Bike Safety Tips for the Summer

WHEN THE weather warms up, people hit the roads and paths on their bikes. But for many people who don't ride often, they may make dangerous mistakes while sharing the road with vehicles. If a vehicle strikes a bicyclist, the ensuing injuries may be severe or potentially fatal. Most car vs. bike accidents happen during the spring and summer so it's good to understand the risks and how to prevent accidents. What bicyclists can do About 75% of bicyclists reported wearing reflective gear at night, and many reported properly following the rules of the road consistently in a survey. Follow…

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How to Handle Water Damage to Your Home, Business

People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water. Properties suffer water damage more frequently than they do other causes of loss. Water damage emergencies occur 14,000 times a day in American homes and businesses, according to insurance industry data. In comparison, fires occur in fewer than 3,600 homes per day, and burglaries occur 8,200 times a day. The basements in 98% of US homes will suffer…

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