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How Much Directors & Officers Liability Coverage To Buy?
By Heidi Petschauer | August 19, 2014

Recently, I was asked to join the Board of Directors of a small LLC and my first question to the owner, a good friend of mine, involved her Directors & Officers Liability insurance. While I understand the need to balance cost, with the need to pr...



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What You Don’t Know About Employment Practices Liability Can Cost You and your Business A Lot of Money!
By Heidi Petschauer | August 15, 2014

Approximately 70% of all businesses today haven’t purchased Employment Practices Liability insurance. So, big deal, you might be saying, I’m in the 70% that got to save money! Yes, that is true, but this can be an extremely costly decision on you...



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Additional Insureds vs. Named Additional Insureds
By Heidi Petschauer | August 12, 2014

ADDITIONAL INSUREDS: Our clients call frequently asking for certificates of insurance where another party they are doing business withrequest to be named an Additional Insured under their policies. This is usually the case when our named insured agre...



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Is Workers’ Compensation An Injured Workers Only Remedy In Case of Injury?
By Heidi Petschauer | August 8, 2014

Most of us know that if we are injured while on the job, Workers’ Compensation is really our only recourse ….Or is it? There is actually a type of claim known as a “Third Party Over Action” in which an injured employee, who after collecting u...



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If You Own A Dog, Will Your Homeowners Rate Go Up?
By Heidi Petschauer | August 5, 2014

May 18-24th, 2014 was Dog Bite Prevention Week in the US. Insurance claims involving dog assaults cost the industry over $483 Million last year according to information gathered by the Insurance Information Institute. Maybe this explains why one of t...



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Does My Business Need Terrorism Coverage?
By Heidi Petschauer | July 31, 2014

Once again, the Terrorism Risk Insurance Act (TRIA) is due to expire at the end of this year. Those who want the coverage renewed argue that the government should protect its citizenry from attack, and when they aren’t successful in this endeavor t...



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How Can We Communicate More Effectively With People Who Want To Purchase Life Insurance?
By Heidi Petschauer | July 29, 2014

Recently, I read an insurance periodical that stated that over 15 million people in the United States are really interested in purchasing life insurance. They understand the value of having it and what it could mean to their families if they were to ...



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Can Paying Your Bills On Time Actually Get You Lower Premiums On Your Insurance?
By Heidi Petschauer | July 25, 2014

Everyone wants to save money on their personal insurance premiums. Many consumers ask, what is the connection between my credit history and the cost of my auto and homeowners coverage? It is true that some insurance companies rely much more on such i...



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Does My Health Insurance Cover Me If I am Injured On Vacation?
By Heidi Petschauer | July 24, 2014

Does My Health Insurance Cover Me If I am Injured On Vacation?...



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Does Your D&O Policy Cover You For Workplace Violence
By Heidi Petschauer | July 17, 2014

Lately, we have been hearing a lot about violence throughout every strata of our society. One of the places we try not to think about encountering violence is in the workplace. Statistics show that the average loss associated with workplace violence ...



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