Insurance Monthly headlines en-us Copyright 2007 Liberty Publishing. All rights reserved. http://www.hbgins.com 60 Mon, 2 Aug 2010 21:11:42 PST Mon, 2 Aug 2010 21:11:42 PST sfl Some of the most common lawsuits heard in courtrooms are discrimination suits against businesses. This is confirmed by the fact that in 2009 over 130,000 complaints were filed with the Equal Employment Opportunity Commission alone. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 Mon, 2 Aug 2010 21:11:42 PST There were 325 data breach incidents and 8,320,325 people exposed to data theft from the beginning of 2010 through late June, according to the Identity Theft Resource Center. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 Mon, 2 Aug 2010 21:11:42 PST Owning a business can be a very exciting and rewarding experience, but it is crucial that you do not overlook the risks that come along with it. Having proper financial protection gives family-owned businesses peace of mind and allows them to focus on what is important, moving the business forward. Down To Business http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 http://www.siteforless.com/newsletters/?QID=114&tokenID=6d81953c4746fc75a52a77bd1307cd59651 Mon, 2 Aug 2010 21:11:42 PST Dont wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime the policy does not take effect for 30 days. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 Mon, 2 Aug 2010 21:11:42 PST Michael and Maureen divorced after 18 years of marriage and agreed to joint custody of their three children. Their 11 year-old son Mikey is riding his bike one afternoon with some friends and not paying full attention to the road in front of him. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 Mon, 2 Aug 2010 21:11:42 PST One Saturday Jenny stopped by the mall for some afternoon shopping. The parking lot was packed but she found a space at the very back of the lot. Personal Protection http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 http://www.siteforless.com/newsletters/?QID=115&tokenID=738b0b7dafe50a4e01c8c2656f9afbfc651 Mon, 2 Aug 2010 21:11:42 PST If your company currently sponsors a flexible spending (FSA) or health savings account (HSA) to allow employees to pay out-of-pocket medical expenses with pre-tax dollars, be prepared for upcoming changes. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 Mon, 2 Aug 2010 21:11:42 PST When its time to welcome an employee back into the office after an unexpected disabling accident, illness or disease it can be uncomfortable for everyone without the benefit of knowing these basic tips. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 Mon, 2 Aug 2010 21:11:42 PST Todays struggling economy has destabilized both employers and employees financially. Many employers have felt the need to cut back on the employee benefits they provide, or to require employees to take on a larger role in paying for benefits. Employee Benefits http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 http://www.siteforless.com/newsletters/?QID=201&tokenID=826f0767e385fd3c7e4fcebe34479c5a651 Mon, 2 Aug 2010 21:11:42 PST As millions of baby boomers in the United States rapidly approach old age, experts predict the number of people in need of long-term care will double over the next 30 years. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 Mon, 2 Aug 2010 21:11:42 PST As you approach retirement, it's natural to worry about your retirement portfolio. It is also natural to become frightened during a recession, such as the ongoing downturn that started in 2008. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 Mon, 2 Aug 2010 21:11:42 PST Working people are well aware of the importance of their medical benefits. In fact, many employees will tell you that one of the reasons they chose their present job is that it provided good medical coverage for their family. Seniors http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 http://www.siteforless.com/newsletters/?QID=222&tokenID=682c4373726336a5f0ef2696eab79bc5651 Mon, 2 Aug 2010 21:11:42 PST Regardless of the current weather forecast, driving conditions can change in a flash. By following some very basic guidelines, you can reduce the risk of an accident significantly, and ensure that you and your cargo get to your destination safely. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 Mon, 2 Aug 2010 21:11:42 PST Whether youre painting your master bedroom or cleaning out the gutters, youll probably need the help of a ladder to get to those areas that are just out of reach. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 Mon, 2 Aug 2010 21:11:42 PST Anyone who works in a construction environment on a regular basis has found themselves up against working in hazardous areas before. Perhaps one of the most dangerous things one can encounter in the workplace is an opening in the floor. Workplace Safety http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 http://www.siteforless.com/newsletters/?QID=223&tokenID=571b6ac8e03fb2f6aae4686a9adc27e9651 Mon, 2 Aug 2010 21:11:42 PST Of events with negative financial and commercial impacts, natural disasters such as floods, hurricanes, tornadoes and earthquakes are at the top of the list. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 Mon, 2 Aug 2010 21:11:42 PST It is very common for the insurance requirements in a construction contract to include a provision requiring the subcontractor to waive all rights against the owner and general contractor for recovery of damages to the extent these damages are covered by the subs workers compensation and general liability or commercial umbrella liability insurance. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 Mon, 2 Aug 2010 21:11:42 PST Substance abuse problems among employees cost businesses billions of dollars each year. According to the 2008 National Survey on Drug Use and Health, in that year, 73% of the nations adults with alcohol or drug dependence were employed either full or part time. Construction http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 http://www.siteforless.com/newsletters/?QID=266&tokenID=65acd790fde86db8be14c65643efa601651 Mon, 2 Aug 2010 21:11:42 PST