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Completed Operations Liability Insurance
Industrial Warehouse and Storage Facility insurance
Commercial Insurance Coverage for Apartment Buildings
See Comprehensive Site Map for list of several hundred articles >
The basic purpose of business and commercial insurance is to pay losses due to unfortuitous events that could financially impair your company's future or even put you out of business. Insurance is only one part of a complete risk management strategy. [1] You should eliminate or reduce your risk through maintenance, and proper training as well as safety programs. Business Insurance can be grouped into a number of categories, including:
- Building and Content (Glass)
- Business Interruption (Time Element)
- Inland Marine
- Boiler and Machinery (Mechanical Breakdown)
- Workers' Compensation
- General Liability
- Professional Liability
- Crime (Bonds)
- Auto
- Employment Practices Liability
- Excess Liability (Umbrella)
There are over twenty-two million firms in the United States paying out over $13 trillion in payroll to their employees. [2] Businesses are quite different from one another and their business insurance needs vary greatly. Forty years ago I was involved in the underwriting process as an insurance company employee for the Mayo Clinic account. [3] As you can imagine, they were hugely concerned about the malpractice (professional liability) exposure. They also had many millions of dollars in buildings and content to be covered. One of their big exposures was the pressure vessels (autoclaves) used to sterilize instruments used in the operating room. Most of the losses we incurred on their account came in the workers' compensation area, with many back injuries resulting from improper lifting. (That was resolved largely through increased employee training.) Schools are also large businesses. They have a need for Corporal Punishment Liability coverage, and like most businesses, have a distinct data problem both from protection against physical loss and probable liability should you have a data breach. Their band could need a Musical Instrument Floater to cover physical damage and theft. Schools are often heated by large boilers that need coverage for possible explosion. Even a roadside stand run by a farmer to sell produce needs insurance. They have a Products Liability exposure for whatever they sell. Often such an operation is excluded from their farmowner's policy and needs a separate policy. Should a farmer run a corn maze during the Halloween season they will need General Liability for trip and fall accidents. An auto garage, like other businesses who hold customer goods in their care, custody, and control will need Garagekeeper's Legal Liability for their bailee exposure to cover the cars they don't own. A greenhouse might consider the Glass coverage to be their most essential insurance. An over the road trucker might consider Auto Liability to be the most important coverage, or in the case of those who haul very valuable cargo, it might be their Inland Marine – Motor Truck Cargo. Even if you own for SpaceX and are trying to launch rockets, there's business insurance out there for you. Underwriters use several different exposure units to measure liability risk. The most popular three are payroll, receipts, and area (square footage).
Business Insurance Infographic
Commercial insurance is one of the most crucial investments/decisions that all business owners have to make. You have worked hard to build your company and having the right coverage can be the difference between going under and staying afloat in case of damage or lawsuits. Below we have compiled a list of useful facts and statistics and placed them into a business insurance infographic to help you out and get you thinking.
In 2009 there were over 27.5 million small businesses in the U.S. and 50% of small businesses (over 10 employees) provide health insurance. In 2007 there were 2.3 million Hispanic-owned businesses in the U.S. 2/3 of all businesses close before their 10th anniversary.
Because of the complexities involved in commercial risks, independent agents capture approximately 80 percent of the U.S. commercial lines market. In 2011 there was almost $215 billion of net written commercial lines premium.
500,000 trucking accidents occur every single year. 1 of 8 fatality accidents involve a commercial truck and 68% of fatal truck crashes occur in rural areas.
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Building and Content (Glass)
For many business their largest investment might be what they spend on their building and its contents. Most fire insurance contracts cover:
- Fire
- Volcanic action
- Smoke
- Sprinkler leakage
- Sinkhole collapse
- Explosion
- Vandalism
- Riot or civil commotion
- Lightning
- Windstorm or hail
- Aircraft or vehicles
- Glass breakage
- Falling objects on the building exterior
- Weight of snow, ice, or sleet
- Water damage caused by accidental discharge or leakage
- Collapse
Most fire insurance policies exclude:
- Mysterious disappearance
- Artificially generated electrical currents
- Wear, tear, marring, or scratching
- Insects or vermin
- Dampness or dryness of the atmosphere
- Rust or corrosion
- Rain, snow, or sleet to property in the open
- Earthquake
- Flood
- Sewer Backup
- Explosion of steam boilers and steam pipes
I've been involved in many large fire losses during my forty-three years in the business. Forty years ago I was a Special Agent for the largest fire insurer in the United States. I placed us on a large recreational vehicle dealer. From a fire underwriting standpoint it appeared to be in a good risk. The financial condition of the business was excellent so there was a minimal moral hazard. The building was only five years old with excellent housekeeping. All the hazards appeared to be minimalized included a properly installed Underwriter's Laboratory approved parts cleaner. The building was what we called light fire resistive, in that it was mainly made of steel walls and truss. It was located just outside a town with a good fire department. Much to my surprise the building burned to the ground costing my company over $2 million. The building had lost power overnight; and when the owner came in he found frozen water pipes. He tried to solve the problem using a welder. The welder was using electrical current. The procedure backed up the resistance in the buildings electrical grid creating enough heat to touch off a fire. The fire could have been contained to minimal damage had the responding fire department put a hose on it.
Unfortunately, when the fire department realized the fire was outside the city limits they did what they could to protect the buildings next door which were in the city limits. The fire department from the township had also responded, but when they realized the business had not paid their fire dues, they allowed the building to burn. One of the biggest concerns for building and content coverage is establishing a proper valuation to determine the amount of coverage to put on the policy. Buildings have several valid values. The market value is what a willing buyer will pay that a willing seller will accept. This value is normally set by comparable sales. Replacement Cost is the amount it would take to replace the building in like and kind. This is the kind of coverage most insureds and most mortgage companies want. Actual Cash Value is Replacement Cost less depreciation. Often building owners will express a Utility Value. For example; the building owner bought a 2,000 square foot brick building for a very good price ($80,000) that he's using strictly for storage. The Replacement Cost of the Building might be $125 per square foot ($250,000). The owner knows he would replace the building with a pole barn at about $30 per square foot . . . $60,000. The Utility Value is $60,000. Depending on the requirements of the mortgagee, the underwriter might agree to a no coinsurance policy at $60,000, if that is what the insured wants. You need to be aware that a coinsurance penalty can be quite expensive if you're not carrying the right amount of insurance at the time of a partial loss.
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Business Interruption Insurance (Time Element)
Many people seem to think of business interruption insurance as almost an afterthought. In my experience, this coverage is as essential to staying in business after a large loss as any other. Business Interruption covers the Actual Loss Sustained from one of the insured perils (see above list for normal coverage). Expenses go on, even if your doors are closed. For example, you could lose valuable employees that you've spent years training because you don't have the income to keep meeting payroll after a large fire. In some instances a fire will require a complete rebuild, which could take over a year. In other instances you have the kind of business that can be opened again immediately in another location, but that will require additional expense, such as money for rent for space or leasing of office equipment. Your business has a "loss of rents" exposure whether you have tenants or not in that your property has rental value even if you're the sole tenant.
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Farm Insurance
Currently most farmers specialize in a particular area by raising either a certain crop, or focusing on a particular kind of livestock or poultry. There are those who decide to diversify a bit more but they all have a common need for commercial insurance coverage. Because farm life can bring with it a whole variety of risks, farmers should contact an independent agent to discuss a specialized business insurance policy.
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Inland Marine Insurance
Inland Marine is coverage that grew out of Ocean Marine Insurance. It provide protection for loss due to physical damage to mobile equipment and equipment used in transportation and communication. It is also used for expensive and unique items such as a Jeweler's Block, which covers the inventory of a jewelry store. Inland Marine Floaters are used to provide coverage for everything from gigantic equipment used in mines to TV towers to piccolos. Coverage is generally written on an all-risk basis and applies worldwide.
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Boiler and Machinery (Mechanical Breakdown)
As a trainee in the 70's I worked with the boiler inspectors. Some of the boilers I looked at were huge, like those at Federal Cartridge, which were large enough to walk in. The boilers were generally either firetube or watertube, depending on what was passed through which cavity to heat the water. Boiler insurance protects for direct and indirect loss sustained due to a boiler incident. The insurance policy includes an annual boiler inspection.
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Workers' Compensation Insurance
Workers Compensation is a system to streamline the processing of workers' grievances for injuries sustained on the job. The State of Minnesota explains the coverage on their website. [4] "Workers' compensation is a no-fault system designed to provide benefits to employees injured as a result of their employment activities and to limit the liability of employers. Because it is a no-fault system, the employee does not need to prove negligence on the part of the employer to establish liability. It also means the employer cannot use negligence on the part of the employee as a defense to a claim. A work-related injury can be any condition that is caused, aggravated or accelerated by the employment activities. This includes traumatic injuries, gradual injuries or occupational diseases. The employee needs to show only that the employment activities were a substantial contributing factor to the disability and/or need for medical care."
Workers' Compensation Fraud
Because of the large scale of the workers' compensation system, and since it involves workers, employers, attorneys, doctors, and others, this leaves open the opportunity for fraud. While business owners should make sure that their commercial insurance affords coverage for workers' compensation claims by employees who become ill or injured on the job, they should also be aware of the possibility of workers' compensation fraud. An independent insurance agent, familiar with the workers' compensation system, can assist business owners in understanding and averting the potential for fraud when it comes to workers' compensation insurance.
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General Liability Insurance
General liability provides insurance needed to cover liability for bodily injuries or property damage sustained by the public. It covers accidents occurring as a result of business operations including the ownership, maintenance, or use of the specified premises and any operations necessary or incidental to those premises. Coverage is also afforded for some kinds of written agreements. The policy includes the cost of a legal defense for covered claims. This can prove to be extremely important. In the mid-eighties I created what has become one of the largest self-insurance pools for political subdivisions in the nation. It was my experience running that organization that the insurance company for political subdivisions can expect to spend one dollar on defense cost for every dollar of actual award paid out. Coverage generally includes Personal Injury Liability.
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Business Accident and Health Insurance
Employers know that their employees create their profits and are looking to protect their health and welfare; accident and health insurance can help.
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Daycare Insurance
There are various types of daycare classifications, including In-Home Daycare, Family Daycare, Group Daycare, Adult Daycare, Drop-In Centers, and 24/7 Centers. Although the requirements and insurance vary between types, there are several common areas of concern.
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Skilled Nursing / Facility
Skilled nursing and skilled nursing facilities have a unique set of risks that require special coverage.
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Personal Injury Liability
- false arrest, detention, or imprisonment or malicious prosecution;
- libel, slander, or defamation of character; and
- wrongful entry or eviction or other invasion of the right of private occupancy.
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Completed Operations Liability
Coverage applies after the operations have been completed or abandoned and the occurrence happens away from the premises of the insured.
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Product Liability Insurance
All firms that have a product that the public uses, should have products liability insurance. Coverage provides protection for bodily injury and property damage claims arising out of the insured's products or reliance upon a representation. The bodily injury or property damage must occur away from the premises of the named insured and after physical possession of the product has been relinquished. The policy can be endorsed for restaurants and similar exposures for on premise coverage.
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Professional Liability – Errors and Omissions Insurance
Coverage provides coverage for negligence in the performance of services where a reasonable standard of care is expected. This is includes improper performance and failure to perform.
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Crime (Bond Insurance)
In addition to various performance and indemnity bonds Crime coverage can include:
- Theft
- Computer Fraud
- Robbery
- Money and securities theft, disappearance, or destruction
- Employee dishonesty
- Safe burglary
- Burglary
This can be anything from the theft of a small cash box hidden in the back room to products from the shelves.
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Business Auto Insurance
The basic parts of a commercial auto policy include:
- Bodily injury liability
- Property damage liability
- U.M. (Uninsured Motorist)
- U.I.M. (Underinsured Motorist)
- P.I.P. (In Applicable No-Fault States)
- Collision
- Comprehensive (Other Than Collision Physical Damage)
- Medical payments
- Towing
- Rental
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Taxi Insurance
If you'd like own a taxicab business, it's relatively easy to get started. There are only a few requirements, including your age, your criminal record, and of course owning a taxi. Once you're out on the road, you will face various risks to your safety. Having insurance protection will give you the peace of mind in knowing that you, your passengers, and your vehicle are protected in case of an accident. The best way to get started is with taxi insurance. This type of coverage is a form of liability protection for the drivers, the company, and assets. It is a more expansive policy that a typical personal auto policy because it will protect against multiple passengers.
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Employment Practices Liability – Employers Insurance
Coverage for defense costs and liability related to various employment-related claims, including: Wrongful Termination Discrimination Workplace Harassment
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Excess Liability (Umbrella)
It is doubtful that a true umbrella is available for most businesses. Most of what comes under that general name are "following form" excess policies that provide policy limits in excess of what is provided in the primary policies. The coverage usually mirrors what is provided in the primary policies.
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Unemployment Insurance
Social welfare for unemployed workers. Not really insurance.
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Director's and Officer's Insurance
(Errors and Omissions Liability Insurance for management) Provides protections for the directors and officers of a company if they're sued in conjunction with their performance of their duties for the company.
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Liquor Liability Insurance
Provides coverage for liquor related liability losses. Often called dram shop coverage, this coverage responds to suits which hold a supplier of alcohol responsible for a person who later becomes involved in an accident or mishap. This applies to those who serve, manufacturer, or supply liquor.
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Restaurant & Bar Liability Insurance
Restaurant and bar insurance can be quite complicated. With employees, patrons, and the presence of alcohol, the potential liabilities are numerous, and the infrastructure required to run a successful establishment means there is significant potential for property damage to be costly.
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Small Business Insurance
A small business cannot afford to operate without insurance, but a small business cannot long stay in business if it purchases every form of insurance applicable to its operation. Small businesses need to purchase essential insurance in adequate limits, but should avoid maintenance-type coverage.
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Medical Malpractice Insurance
Malpractice Insurance is normally Professional Liability Insurance for people in the medical field.
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Lawyers Professional Liability
Legal Professional Liability Insurance is Malpractice Insurance for people in the legal field.
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Builder's Risk Insurance
Builder's Risk Insurance is coverage for direct damage to buildings while they are under construction. It normally will include some form of theft coverage for supplies.
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Indemnity Insurance
Indemnity insurance covers the obligation to pay for any loss or damage that has been or might be incurred by your company. This is usually a prize for some sort of contest such as a hole-in-one contest. Indemnity Insurance in some states is considered to be gambling . . . and NOT insurance.
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Contractor's Insurance
Provides liability coverage for general contractors, sub-contractors, and contractors.
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Event Insurance
Event Insurance provides premise liability for a specific event such as a concert or wedding. It might include cancellation insurance, such as rain insurance.
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Laptop Insurance
Coverage for physical damage to laptop computers.
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Water Damage Insurance
Water damage is normally covered if not excluded by the policy. Most policies exclude floods.
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Social Service Organization Insurance
Specialized coverage for those organizations who improve our communities. Includes general liability and professional liability.
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Non-Profit Insurance
Specialized coverage for those organizations who are non-profits. Includes general liability and professional liability.
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Bank FDIC Insurance
A guarantee by the Federal Deposit Insurance Corporation (FDIC). It covers deposits in a member bank. Created in 1989, the FDIC insures bank deposits of national and state banks that are members of the Federal Reserve System. Bank Insurance protects individuals against commercial bank insolvency currently (2013) to a limit of at least $250,000 per bank.
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Flight Insurance
Also known as Flight Cancellation or Trip Interruption Insurance. Protects travelers from unexpected delays and inconveniences.
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New and Used Auto Dealers Insurance
If you are considering starting a used or new car dealership then it is likely you are in the process of researching the auto industry so that you understand the specific regulations that apply. There are a number of different things to consider before anything else. First there is the decision between retail and wholesale dealerships. In addition to the business insurance, car dealer owners need to have a surety bond, which is a type of insurance that guarantees performance of a contract.
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Auto Body & Repair Shop Insurance
Commercial auto body repair shops deal with a wide range of vehicle repairs, from heavy duty work trucks, specialized sports cars, or family minivans. No matter what the function of the vehicle most repair shops perform similar daily tasks. From body work, to fixing a flat tire, to replacing a transmission, auto repair shop owners know that their employees are engaged in various tasks that can pose a hazard to the workers themselves, to the vehicles in their care, custody and control, and to customers. In case of an accident on the premises, resulting in a personal injury claim by a client, or a workers' compensation claim by an employee, owners of auto repair shops should make sure that they have quality commercial insurance coverage in place..
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Professional Liability Insurance For Veterinary Businesses
Like others in the medical field, veterinarians can protect themselves from personal legal liability, and expenses, in the event of a claim stemming from their professional conduct by purchasing adequate professional liability insurance. Besides having ordinary commercial general liability insurance for their practice, veterinarians need professional liability insurance.
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Commercial Property Insurance
Whether their locales contain a multitude of retail stores, or just a few specialty shops, commercial property companies need business insurance to safeguard their company. Adequate commercial insurance coverage can offer protection for a business's economic interests, along with its facilities, employees, and operations.
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Water, Sewer and Pipeline Construction Liability Insurance
Pipeline construction deals with a variety of industries; sewer, gas, oil and water. Even cable and fiberoptic are sometimes laid in pipeline. It is important that companies protect their business property and procedures from harm with a dependable commercial insurance policy or policies.
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Insurance Agents E&O
Insurance agents need professional liability insurance just as much, if not more, than the average small business owner. Insurance agents need this coverage in the unlikely event of an error.
Learn more about insurance agents errors and omissions insurance ›
Plumbing, Heating and Air Commercial (HVAC) Insurance
The manufacturing and installation of plumbing, heating and air conditioning industry has a unique set of risks associated with it. Business owners need to pay special attention to these risks and make sure they are properly covered for the handling of the various materials needed to fulfill their daily routines.
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Convenience Store Commercial Insurance
The manufacturing and installation of plumbing, heating and air conditioning industry has a unique set of risks associated with it. Business owners need to pay special attention to these risks and make sure they are properly covered for the handling of the various materials needed to fulfill their daily routines.
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Shopping Center and Mall Insurance
Shopping centers and malls across the country and world have a specific set of liability coverage needs. The combination of multiple businesses and thousands of patrons creates a very special risk situation. All the variables need to be taken into account when shopping for your commercial insurance policy.
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Commercial Trucking and Courier Service (No Air) Insurance
Shopping centers and malls across the country and world have a specific set of liability coverage needs. The combination of multiple businesses and thousands of patrons creates a very special risk situation. All the variables need to be taken into account when shopping for your commercial insurance policy.
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Fiber Optic Laying Commercial Insurance
Fiber Optic installation job sites can sometimes be found in difficult conditions. They are usually working below street level or underground where space and lighting are compromised. These unique scenarios lend themselves to higher risk and the proper liability coverage is an important part of any fiber optic business plan.
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Steel Construction Commercial Insurance
Steel construction operations utilize large machinery, operate at various locations, and often drive large, expensive trucks. along with the various locations and job sites come a unique set of risks, which could lead to liability exposure. This exposure can be limited by maintaining the proper commercial insurance coverage.
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Automotive Towing Commercial Insurance
When determining liability coverage factors like location and size of an organization, number of employees, and towing equipment used on the premises and off-site are used to determine adequate commercial insurance coverage for a particular automotive towing company.
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Electrical Contractor Commercial Insurance
Electrical contractors perform a variety of tasks, which can vary from location to location and job to job. They may be asked to complete a quick installation of some wiring at an office, while other occasions may require that they perform week or month-long contract projects. In the course of providing electric work to businesses and homeowners, contractors face a variety of work-related risks. By purchasing commercial insurance coverage, they can shield their business from financial exposure, or potential liability, in the event of a claim related to an accident, or damage, or unanticipated economic loss.
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Commercial Agribusiness Insurance
Agribusinesses range from large corporations to family owned food manufacturing companies. The owner/operators may serve in management positions, perform agricultural analysis, or provide traditional farming services. There are a variety of specialty niches involved with agribusiness including chemical, fertilizer, or seed sales, manage food manufacturing companies, or running grain trading operations or elevators. Quality commercial insurance coverage can allow food safety organization owners, along with owners of industrial development companies, or those who operate a commodity trading, farming, and ranching business, to retain its assets, and continue to function, if faced with an unexpected loss, accident, or claim.
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Natural Gas Distribution Insurance
In some areas, people may receive natural gas directly from a pipeline, while in other regions local gas distribution companies (LDCs) provide natural gas services as a public utility. It is important that owners of private natural gas dealing or distribution companies protect their business in case of a loss, accident, or claim.
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Commercial Insurance for Wineries, Breweries and Beverage Distilleries
Whether they fill casks with Cabernet or Riesling, brew seasonal ales, porters, and stouts, or produce cider, whiskey, or brandy, owners of brewing companies, wineries, and beverage distilleries should make sure that their business is adequately insured.
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Commercial Insurance for Beer and Wine Bottling Companies
Companies that provide bottling services for nationally-known ales, microbrews, and special wine vintages all know that in the course of transporting alcohol, manufacturing or purchasing bottles, labeling, and preparing bottles for sale, their business and its employees face a variety of risks.
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Watch, Jewelry, Precious Metal Sales And Repair Insurance
Owners of precious metal shops, watch repair outlets, and jewelry stores are keenly aware of the risks to their business. In case a shop's stock of silver serving trays becomes damaged during delivery, a one-of-a-kind gold bracelet is stolen after someone asks to try it on, or a watch repair store's boiler brakes, forcing it to close its doors for a few days, adequate business insurance coverage can mean the difference between a significant loss and continuing on with business as usual.
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Commercial Insurance Coverage for Apartment Buildings
The primary asset for the apartment rental business is the commercial property itself. While most apartment building managers and owners can't control the activities that occur inside of their properties, except those that are governed by the terms of a tenant's lease, they can protect the actual structure of a property. Commercial liability coverage for rental value may also be important to apartment property owners who want to protect their ability to retain cash flow in the event of economic loss.
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Fine Arts Insurance
Owners and Collectors of fine arts pieces appreciate the value of having a model, print, painting, or photograph, which may be of significant value. Whether they operate a museum, run a gallery, or have a private collection in their home, fine arts owners need to have liability coverage.
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Crop-Hail and Multi-Peril Insurance
Whether they operate on a small scale as an organic enterprise, as a contractor for a wholesale grocery store, or for a multinational corporation, they need to have dependable multi-peril crop insurance (MPCI) and crop-hail insurance coverage.
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Banks, Savings, Trust, Loan and Credit Union Insurance
In the course of handling, transporting, and transferring large sums of money and dealing with the public, financial institutions and their employees and owners, are subject to a variety of liabilities and risks. To make sure that their organization is adequately shielded so it can avoid potential legal and financial liability in the event a claim is filed, or a loss occurs, banks, savings, loan and trust businesses, and credit unions need to have a dependable commercial insurance policy.
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Learn more about financial institution bond insurance>
Food Preparation And Grocery Distributor Commercial Insurance
Whether preparing individual portions for purchase or transporting bulk food goods, food distributors and food preparation businesses are charged with the task of delivering these edible products to their customers on time, while observing food safety standards, and complying with other laws and regulations. As a result, there are many risks that need to be considered when researching your liability policy.
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Metal Manufacturing Commercial Insurance
Owners of metal manufacturing businesses should know the importance of protecting their business and its employees. In the event of an accident, property damage, or financial loss you need to be covered with the proper liability policy. There are a variety of risks associated with a manufacturing business, such as an employee being burned while using a plasma torch, or a metal stamping machine malfunctioning, causing a substantial loss of inventory. Because of these potential risks and others metal fabrication companies need commercial insurance coverage.
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Commercial Insurance for Supermarkets
There are many risks associated with a supermarket. Employees could cut themselves on a commercial meat cutter, a patron might fall on a patch of ice on the property or on a wet floor inside the store, or food spoilage could cause illness among staff and customers. In case of a financial loss, claim, or lawsuit, super markets should have commercial insurance coverage they can count on to keep their operations, assets, and staff shielded from personal liability.
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Wood Manufacturing Insurance
Wood manufacturing businesses are specialized and have their own unique set of risks and associated liability. They manufacture wood floors, wooden containers, and veneers, and may also build furniture, cabinets, fixtures, and pallets. Employees may be sawing, shaping, planning, assembling, and laminating wood and wood products. Whether they are wholesalers, contractors, or a private business, wood manufacturing businesses need adequate insurance coverage.
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Social Service Business Insurance
Non-profit organizations that offer assistance to individuals and families provide a necessary social service to many. Whether they operate as a shelter, or offer job coaching, residential care, mental health or drug and alcohol treatment, or crisis counseling, these entities provide a way for individuals and families to work through problems or difficult periods in their lives. Because of the nature of the services offered to residential and out-patient clients, employees providing these services, and directors and officers of these social services businesses, are exposed to many risks. This is why they need comprehensive commercial insurance coverage.
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Electrical Supplies and Equipment Business Insurance
Electrical supplies and equipment companies provide materials that are used in many different capacities, from safety switches at construction sites, to transformers utilized in HVAC projects, to outlet strips mounted in doctors' and dentists' offices. Their employees may transport electrical boxes, enclosures, and raceways to job sites, work with receptacles and conduits, or repair damaged wiring or fuses. Because of the risks associated with their business, electrical equipment and supplies companies need sufficient insurance coverage.
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Commercial Auto Insurance
Almost all forms of business rely on transportation for goods and services through the use of cars, trucks, or other motor vehicles. In fact, the majority count on vans, or other autos on a daily, if not hourly, basis. Because of the risks that come along with driving in general it is important for business owners to make sure that their organization has a liability policy with commercial auto insurance coverage for their automobiles and other vehicles.
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Commercial Printing Insurance
Commercial printing has multiple facets to its business, ranging from press machine operations, small and large orders, or sending out direct mailings for another local business. Commercial printing companies and their employees could easily make a mistake that could end up costing them a great deal of time and money – especially if a lawsuit ensues. Mistakes on orders such as printing the wrong address or slogan, shipping too many or too few posters or flyers to a client, or actual damage to the building or property could all lead to financial loss, or a claim for a printing company. This is exactly why it is important for printing businesses to have commercial printing insurance coverage.
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Commercial Computer Maintenance, Repair and Service Insurance
Consultants and technicians who provide service and maintenance to keep computers running are often lifesavers when important information or other digitized information is on the line, at risk of being lost, or taken down to a virus. Because they work with other professionals, and individuals, and provide specialized services, those who work in the computer maintenance and repair field need to have commercial insurance coverage for their business, whether they are an independent contractor, or operate a company.
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Hotel and Motel Commercial Insurance
The hospitality industry has it's very own unique set of liability risks. Hotels and motels are used for business, personal weekend getaways, or a full on family vacation. Some guests may even take up temporary residence at an extended stay motel, while others spend just a single night in an upscale boutique hotel. Whether their guests stay awhile, or only for a night or two at a time, and no matter their location or capacity, hotels and motels need business insurance coverage in case of property damage, theft, or an accident.
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Concrete Contractor Insurance
The primary difference between concrete and cement is that concrete is made of the combination of water, aggregate, and cement. Concrete can be used for things like floors, sidewalks, engraved monuments, and sculptures. Contractors, masons, and construction workers are just some of the many professionals in various industries who work with cement and concrete. Concrete artisans deal with a variety of styling products involving coatings, dyes, stains, and overlays. For small and large operations, businesses that use various kinds of concrete products need to have commercial insurance coverage.
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Carpenter Insurance
Carpenters are skilled laborers, and many have years of experience and specialized training. Carpenters are most commonly thought of as working in the construction industry, but they are also employed in designing and assembling furniture for small businesses and corporate retailers, building stage sets for theatrical productions, and concrete pouring and other parts of highway construction. Since their trade subjects carpenters to risks they need specific carpentry work insurance.
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Bank Holding Company Insurance
Bank holding companies are corporations that control at least one bank. Because they are tightly regulated and serve a unique purpose in state and national finance and commerce, bank holding companies and their officers and shareowners are subject to a variety of liabilities and risks. To keep their operations properly protected in case of a lawsuit or claim, they need the proper commercial insurance coverage.
Learn more about bank holding company insurance ›
Commercial Insurance for Hardwood Dimension and Flooring Mills
Hardwood dimension and flooring mills operate on different scales, and in different lines of business. A mill might have four employees or four hundred employees. They may have branches across the country, or a single location in a small town. One common denominator is these companies and their owners and employees should be properly protected with commercial liability coverage.
Learn more about hardwood flooring mill insurance ›
Condominium, Townhome and Homeowner's Association Insurance
Condominium, Townhome and Homeowner's associations want commercial insurance that they can depend on in the event of an accident on the premises, legal liability, or property damage to the common areas, individual units or facilities. As residential associations, commercial associations may be concerned with a variety of risks related to individual units, machinery in use on the premises, or construction projects on the grounds. With quality commercial insurance coverage associations can make sure that their residential property and its fixtures are safeguarded in the event of loss, damage, or destruction..
Learn more about condominium, townhome and homeowner's association insurance ›
Commercial Insurance for Industrial Warehouse and Storage Facilities
Whether their warehouse is used for contract purposes, or operates as a private business, warehouse owners should make sure that it is safeguarded with commercial insurance coverage. Depending on the terms of a particular policy, business insurance for a warehouse can afford mechanical breakdown coverage, coverage for motor truck cargo, and building and personal property insurance for a warehouse and its contents.
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Commercial Insurance for Churches, Synagogues and other Religious Organizations
Religious organizations have multiple areas of exposure to risk. Whether it is exposure because of a property risk or personal in nature there should be the proper coverage in place.
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Cyber Liability Insurance
People in every industry use computers every day to buy and sell products, collaborate on projects, and develop relationships with contacts, managers, and customers. Because of the risks associated business owners should make sure that their company is protected. They need commercial insurance coverage that includes cyber liability insurance in case of an internet-related claim against their organization.
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Long-Term Care Nursing Liability Insurance
Facilities providing long-term care need professional liability and workers' compensation insurance.
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Handyman Insurance
Handyman Insurance options available to individual handymen to protect their business against losses due to injury and/or property damage.
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Cleaning and Maintenance Insurance
Cleaning and Maintenance Insurance options available to individuals to protect their business against losses due to damage. These very important businesses range in size from one person working out of a home to multi-state corporations with thousands of employees. The services vary from janitorial to complex maintenance.
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Aviation Insurance
Airplanes, drones, helicopters and other flying machines need aviation insurance. This class of insurance could also apply to the services surrounding them.
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- http://biz.keye.findlaw.com/sblg/SBLGCHP16_a.html
- http://census.gov/econ/susb/
- http://mayoclinic.com
- http://doli.state.mn.us/WC/General.asp
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they're now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.


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El Agave
El Agave is definitely in the Mexican American vein of cooking — think combo meals with the standard rice and beans versus street tacos. They have the appropriate giant margaritas to go with that, and their wait staff was super friendly and welcoming. Roughly six months ago, it opened in the spot previously occupied by O'Brien's (not sure about that spelling — I've never been to one).
The décor is casual, just simple tables and booths though there's a random ceiling painted with clouds over the bar area. The bar itself seemed to have a few regulars enjoying their evening. They also have a huge porch that needs to get made use of! Seating people out there rather than inside would probably help draw in business.
My husband and I both had margaritas to drink, although my husband opted for a margarita sangria, which blended red wine into the mix. He thought it was rather good. My margarita was tasty, although I'm pretty sure it's your standard sweet and sour mix, but at least it wasn't a full margarita mix — that's usually cloying and plastic tasting and this was not.
Chips, salsa, and a crema dipping sauce were served at the table. I don't think the chips are made in-house, but they were fine and room temperature and the salsa had a medium level of spice. It's not completely pureed but definitely closer to that than a pico de gallo. The crema sauce was tangy and had a lot of chipotle flavor to it as well as some ranch-type seasonings. I haven't usually liked crema dips the few times I've had them, but this one was quite flavorful.
Menu items range from those ubiquitous combination platters that included options like gorditas and enchiladas to platters of meat or vegetables served up in different styles of marinade and sauce. I was rather impressed by my pina rellano entrée.
Served up in a pineapple shell, it consists of roasted pineapple slices and sautéed scallops and shrimp in a red sauce with cheese. First, the scallops were cooked very, very well. They had a delicious sear and the meat was succulent and nowhere near overcooked, which is hard for scallops. The shrimp were cooked well, too, and the pineapple was delicious. My only complaint is that the cheese sauce overwhelmed most of the flavor of the red sauce — you could see there were spices, but they were lost in the mix.
My husband had the chile Colorado entrée, which was beef tips stewed in a chile sauce.
The beef was dry, but the sauce was excellent. There were a lot of different chile flavors warring for dominance in it, which created a layered, satisfying filling. Both our entrees came with rice (okay), refried beans (normal per my husband), and … a healthy spoonful of guacamole on a bed of iceberg and tomatoes! I'm always glad when I don't have to pay extra for some guacamole. We also received three warm flour tortillas each, which I also don't think are made in-house, but they served their purpose fine.
Thus, El Agave is an average Mexican American restaurant, and it could do quite well if they make better use of their outdoor space. The pineapple shell was fun, and those scallops were top-notch. Fresh tortillas would make it a lot more appealing, but for a cheap, easy Mexican fix, it does just fine.
El Agave
4818 N. Highway 55
Hwys. 54 & 55 Crossroads
Reviewed 7 Sept 12.

subset: commoncrawl


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Music fans in Ybor City need not worry about the future of the Ritz Ybor.
A company called the Ritz Ybor LLC filed for Chapter 7 bankruptcy liquidation Aug. 22, stating it had $90 in the bank but more than $600,000 in debts. But according to the club and concert venue's current owner, the filing has nothing to do with current business at the Ritz.
"One hundred percent, no, this has nothing to do with my operations, or any of my corporations," said John Santoro, who took over the club last summer. "The property owner's great, I'm great, we have a long-term lease. This must be the operating company that was in there before me. So nothing to do with me, nothing to do with the property."
The filing indicated the Ritz Ybor LLC collected $1.3 million in revenues in the first half of 2016, before Santoro's company took over the club. But the filing states it owes $126,000 in unpaid rent to landlord NCJ Investments Co., whose officers and directors include members of the Capitano family, a prominent real estate group in Ybor City.
Joseph Capitano Jr. owns the historic building that houses the club at 1503 E Seventh Ave. He is listed as the primary agent of the Ritz Ybor LLC, which state records show was launched in 2013 and dissolved in April 2017.
At the moment, Santoro said, all planned concerts and events at the Ritz are good to go, starting with a concert by Manchester Orchestra tonight.
"It will not affect any shows," he said. "Zero, zero, zero, anything at all."
Times researcher Caryn Baird contributed to this report.


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Born out of a hobby and interest in always finding ways to save money, we have over this last year conceived the iShopping Group, a collection of web sites aimed at saving visitors money on top brand products from top online stores in the United Kingdom, Ireland, and the USA, more countries, more merchants, and more products to search for and compare to follow.
Via a collection of product comparison web sites, and with online shopping growing globally, we aim to bring the best online retailers to visitors of our web sites. coupled with only the best products and at the best prices possible.
Many retailers today ship internationally, therefore, you are no longer restricted to just buying in your home country, but hae piece of mind, whether you buy from the UK to have shipped to the USA, or buy from the USA to have shipped to Ireland,
Having made a good start, 2016 and beyond will be spent seeking more top online retailers and many thousands more products being made available to our visitors.
If you have any comments or suggestions for us, please do not hesitate to contact us. We will appreciate your comments and look forward to bringing a better online shopping experience.


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GE unveils new line of appliances designed for younger consumers
GE unveils new line of appliances designed for younger consumers
LOUISVILLE, Ky. —
Appliance giant General Electric targeted a new line of products to a younger demographic on Wednesday.
The 25- to 34-year-old market has been overlooked and untapped, and GE believes this market is the key to staying competitive.
Designer Tomas Deluna said he had a specific person in mind when he created the new Artistry Line -- himself.
"It's a very clean, sleek look, but it's also very beautiful," Deluna said.
The line was designed for first-time home buyers. The whole suite has a price tag of about $2,400.
The line will be available in the fall, but only the dishwasher will be manufactured at Appliance Park in Louisville.


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is a big fan of chicken, beef and pork.
There is no handshake, pin-code or retinal scan. All you need is the ability to tell the difference between chicken and beef, enough coordination to light a BBQ without burning off all your arm hair, and the moxie to purchase a bottle of BULL'S-EYE BBQ sauce, the only sauce worthy of the BULL'S-EYE Brotherhood. Because, no self-respecting man would be caught dead buying a bottle of wimpy, runny BBQ sauce.


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Current Issue:
no.18, Fall 2000-Winter 2001
Many opponents to any Kashmir solution Many propositions to resolve the Kashmir problem have come from time to time, independence with certain guarantees to both India and Pakistan, accession to Pakistan possibly involving a division of J&K along sectarian lines, and autonomy within Indian sovereignty as recentlyproposed by the Chief Minister Mr. Farooq Abdullah. However, a solution is meaningful only within the context of ground realities, which cannot change overnight.
Cease-Fire in Kashmir: Will it lead to sustainable peace? Hizbul Mujahideen, one of the "top" militant groups of Jammu and Kashmir declared cease fire unilaterally on July 24, 2000. Government of India responded to the offer of Hizbul in a positive manner. The cease-fire offer and the response of the government of India has generated guarded optimism in the valley, while other militant organizations and the All Party Hurriyat Conference (APHC) have criticized Hizbul Mujahideen for the offer of "cease-fire".
Civil Society Dialogue on Human Rights, Justice and Peace in Jammu and Kashmir June 10-11, Srinagar (J & K) After 11 years of silence and deepening mistrust, civil society actors and groups form various parts of India and Jammu and Kashmir took the initiative to link up across the divide and wrest back the "lost" space for civil and humanitarian initiative for justice, peace and human rights in Jammu & Kashmir (J&K).
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issues updates François Dandurand | home site
Patrick Meilleur | home site


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Welcome to the home page of Palmer Steel Industries, where you can explore our range of custom and standardised products, and find out more about how we can contribute to your next construction project.
Established over 60 years ago, Palmer Steel Industries is dedicated to serving the construction, renovation and civil works sectors. Founder Les Palmer identified a need for custom steel fabrication amongst local builders, and quickly grew the business to serve the wider state area. To this day, Palmer Steel Industries (PSI) helps bring innovative architectural designs to life by providing outstanding structurally sound stair stringers, steel beams, aluminium treads and more.
Today, PSI is operated by Les's son Ian and his grandchildren, as well as a team of loyal staff. Our headquarters is located in Mt Gravatt East, meaning we are ideally placed to serve the wider Brisbane metropolitan area. When you visit our headquarters or enquire about a quote, you'll experience nothing but the best in technical capability and good old fashioned customer service.
To enquire about steel products for your project, please call 07 3349 9111 and chat to one of our friendly sales staff.


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6 Steps To Saving Money On Infant Formula And Building Your First Stockpile For Your Baby.
How I Saved $1230 on Infant Formula in One Year and How You Can Do It Too! By Mrs K | Simple Coupon Deals
If you are a new mom, you'll soon find out that buying Infant Baby Formula for your newborn baby is going to cost a lot of money. Once you leave the hospital, it's entirely up to you to provide your child with the nutrition he or she needs. If you are unable to breastfeed, you'll need to stock up on lots of baby formula!
From my own past experience and in speaking with other moms, a baby will go through one tub of formula per week! As he or she grows, that number may increase. A tub of Formula costs on average $28.
Within just a year, you'll end up spending $1456 on formula alone! WOW! If you are a nursing mom you may agree that saving thousands on formula is a huge relief, but nursing also comes with it's challenges too. I am very thankful that I was able to stick through all the challenges and exclusively nurse both my daughter and son until they were 9 months and 15 months, respectively! But, that is not how I saved $1230 on formula the first year.
I am excited to share that throughout this journey, I challenged myself to buy formula even though I made the decision to nurse my two little ones exclusively. One, so that I would have a backup plan in case something went wrong or I had to be temporarily away from baby (I was actually hospitalized, two weeks after I had my son because of a kidney stone!) and two, to see how much I could save so that I could now share this awesome money-saving tip with you.
As the editor of Simple Coupon Deals, it's my job to find the best deals possible, at the lowest price point. When I became a new mom, one of the most annoying things (maybe you can relate) was having others tell me that I would become "so broke" from buying diapers and formula and all the other things that come with a new baby. I'm so thankful that I learned how to coupon early on in the planning process of having a child, that each time I shopped, I saved over 65% on diapers or formula! So, cheers to that!
Saving money on Diapers will be another topic for discussion so be sure to subscribe to my daily deals newsletter so that you get a notification of when that tip is up![et_bloom_inline optin_id="optin_12″]
6 Steps to Saving Money on Baby Formula:
1. Tell Yourself, You Can Do It.
First, stop what you are doing. Tell yourself, you can do this. Having a baby is an exciting, life changing experience! You can save thousands of dollars to put toward your growing family's future simply by making smarter choices and planning ahead. This in itself is a lifestyle change. An exciting one too I hope! When you save money, you can make those dollars go toward your child's future education or pay for those bills that you really need to be paid off! When you stop to take action and deliberately tell yourself that you can do this, you will start to realize that there is a whole trove of savings all around you.
2. Signup for Free Baby Offers.
As soon as you find out you are pregnant, signup for all three of these free baby offers: Similac, Enfamil and Gerber reward programs. These are the three biggest Infant Formula manufacturers. In fact, sign up both you and your spouse. I was surprised that my husband received more money-saving offers through the mail than I did!
When you signup, you'll receive free samples, coupons and checks. The checks you receive in the mail are used as a form of payment / tender and help lower your out of pocket! Click here to signup for all three top companies: Similac, Enfamil, Gerber right away so that you don't miss out on any amazing free offers!
3. Gather & Save Coupons.
Each week, clip the Sunday newspaper coupon inserts and check our coupons.com page for new printable coupons. Save as many different coupons as possible from every source you can find. Ask your friends and family to save baby-related coupons that they come across. Have a separate accordion envelope just for baby coupons.
Why this is important: Having coupons on hand will come in handy. For example: You can barter and share with other moms. I had a friend who would swap her formula checks with me for diaper coupons! She needed diapers, I needed formula! It was a win-win situation.
4. Ask For Free Samples.
Likewise, when you are at the doctor's office for regular checkups and ultrasounds, ask the receptionist for any and all samples they have for you and your baby! Most likely they will have booklets of coupons and full-size samples! During each of my regular checkups, I made sure to ask every time. In just a few months, I had 6-8 full-size sample boxes, totes and gift bags filled with Enfamil and Similac already in my stockpile —just from asking. I had $329 worth of free baby products already and my baby wasn't even the size of a cantaloupe yet! Best of all: I didn't even have to spend a penny!
5. Shop Smarter at the Store.
At this point, you will start to build a collection of coupons. Now, wait for a sale! The sales cycle always rotates. Stack the sale with your coupons to save! Pick one store so you don't get overwhelmed by all the sales going on everywhere. As an example, I will discuss how CVS and Target sales work and exactly how I saved, at the lowest 55% and the highest, 100% off the retail price! Then, we'll continue on to step six.
Saving Money on Baby Formula at CVS
At the start of my coupon-venture, CVS use to love me. Each Thursday I received a 25% off coupon code from CVS via email. This 25% off coupon was linked to my CVS store loyalty card. To get a loyalty card, simply go in store and ask the cashier to give you one. Then go to cvs.com and signup for their email newsletter. Now pray that they send those coupons each Thursday again!
Every few weeks, CVS would have this sale or a similar sale:
Buy $30 worth of Similac/Enfamil and get $10 Extrabucks Reward. Extrabucks Rewards spend just like money at CVS on your next transaction. You can use it right away and "roll it" to lower your out of pocket on your second order.
With this sale, this is what I was able to do: I would stack the sale with a coupon from the newspaper or printable from coupons.com AND use my Similac checks as a form of payment. Plus, since CVS loved me very much, I also occasionally received these CVS store coupons from the magic Red Coupon Machine: Save $5 off your $15 baby purchase! SWEET! The Red Coupon Machine is located at the entryway of the store. If you've never seen it, stop doing what you are doing and just look for it right when you walk into the store! You will start to see and become more aware of your surroundings!
Note: some of the terms and policies may have changed so be sure to keep up on the latest policies per store by reading their official coupon policy and reading the fine print on each coupon you use
Here is what I would buy (this is just a sample scenario)
Buy one Similac Infant Formula Powder 1.45lb, $27.99 Buy one Similac Ready-to-Feed Infant Formula 1qt, $7.99 Total Retail Cost: $35.98
Here is what I would use when I bought those two items and how to "stack & save"
I used a 25% off CVS Purchase (from email, sent digitally to card) (-$9) I used $5 off $15 Baby Purchase CVS Coupon from Red Coupon Machine (-$5) I used a $2 off any Similac Formula Product manufacturer coupon (valid on the bigger tub only) (-$2) I used two $5 Similac Formula Product Checks for buying two Similac products (-$10) (these checks are actual checks that run through the payment system at the very end so be sure to hand them over LAST)
Total Cost Out Of My Pocket (OOP) =$9.98!
PLUS I got back $10 extrabucks just for buying $30 worth before coupons!! CVS actually PAID me store credit to TAKE ALL THIS STUFF HOME! SWEET! Do you see how exciting this is? *Happy Dance*
After store credit, I came up $0.02 richer. That's a 100% savings!
This brings me to my last step:
6. Rinse & Repeat But Know When To Stop.
Continue to do this same deal scenario week by week when the sale pops up and you will have yourself a stockpile worthy of TLC's Extreme Coupon hall-of-fame!
If you're not excited by this point, I'm not sure how else to explain it! Let's try at Target.
Saving Money on Baby Formula at Target
Every few weeks Target would have this sale (and they continue to run this sale! See this weeks deals): Buy 3 tubs of Similac or Enfamil and get a free $10 Gift Card
Disclaimer: This is a perfect case scenario that has happened on several occasions for me personally. When you have all the coupons available with promotions running at Target —this would be the ideal deal. Sometimes this might not be the case). In this deal scenario, you can use a Target Coupon (mobile or printable) and a Target Cartwheel (% discount) along with a manufacturer coupon. Then, pay with your Formula Checks and use your Target REDcard to take 5% off the final purchase price before taxes:
Buy 3 Similac Infant Formula Powder 1.45lb at $24.99 each Total Retail Cost: $74.97
Here is what I would use when I bought these items and how to "stack & save"
I used three $1 off Similac Target Coupon I used the 5% off Cartwheel (-$3.60) I used three $2 off Similac Formula manufacturer coupons I used three $5 off Similac Formula Product Checks =$47.37
Finally, I paid with my Target REDcard 5% off (-$3.37)
Total Cost Out Of My Pocket: =$44 OOP
Plus, I received a $10 Target Gift Card for buying 3 tubs of Similac!
After coupons and gift card, the final cost for all three tubs is just $34 or $11.33 per tub (55% savings)
If you signup for a Free Target Baby Registry. You can get even more savings! Target offers a 15% off completion coupon that you can use after you've completed your Baby Registry. You bet, I kept this coupon handy for these sales! I received a total of five 15% off coupons.
Check out how much of a difference 15% off can make:
Buy 3 Similac Infant Formula Powder 1.45lb at $24.99 each -use three $1 off Similac Target Coupon -use 5% off Cartwheel (-$3.60) -use three $2 off Similac manufacturer -use 15% off baby registry coupon (-$9.36) -use three $5 off Similac checks -use 5% off REDcard (-$1.90) =$36.11 OOP +Receive a Free $10 Gift Card Makes it $26.11 for three tubs or $8.70 per tub (65% savings)
When the sale returns, or on a 2nd trip to Target the same week, use the $10 gift card to help lower your out of pocket even further:
Buy 3 Similac Infant Formula Powder 1.45lb at $24.99 each -use three $1 off Similac Target Coupon -use 5% off Cartwheel (-$3.60) -use three $2 off Similac manufacturer -use 15% off baby registry coupon (-$9.36) -use three $5 off Similac checks -use $10 Target Gift Card from previous transaction -use 5% off REDcard (-$1.40) =$26.61 OOP +Receive a Free $10 Gift Card Makes it $16.61 for three tubs or $5.54 per tub (78% savings)
Step 6 is very important, I want to stress this. It's how you will sustain a stockpile big enough for your growing baby. With that said, don't be alarmed or afraid or stressed even about having to complete this task over and over again every few weeks. There were some weeks I skipped the sale. That was actually very hard for me to do. I had coupons that I let EXPIRE! I did not need any more formula or diapers. I either gave them away to friends, family, as gifts at baby showers or donated whatever I could!
Repeating the last step allowed me to save over 65-100% off the retail price of formula. If I paid retail, I would have paid $1456 for 52 tubs in one year. Instead, I paid approximately $226 between CVS and Target in one year (rolling the Target Gift Cards and Extrabucks onto the next transaction to lower my out of pocket each time).
If there is one piece of advice that I hope you take away with you, it is that you should simply shop smarter, plan ahead and know when to stop and take a break. During the winter, my kids and I just hibernated! We rarely went out anywhere because it was so cold and getting two kids ready was an event in itself!
Once you build up your stockpile, you will never have to run out for formula to buy it at full price when its inconvenient for you. Products sold in stores are expensive because they are suppose to make our lives more convenient. We need it and we will not stop at any price point until we get it! Stop yourself in your tracks, it's time to inconvenience the store (and your cashier :D) and you will find yourself so much richer, fuller, more satisfied and happier! I can't tell you how many times I had a cashier look at me and sigh or roll their eyes when I handed them stacks of coupons. I just simply smiled, took my time to gather myself together (with two kids screaming in the background) and pray that I did not forget any coupons at home knowing that I would save hundreds of dollars that I could put toward my bills!!
I look forward to reading your comments and questions. Click here to leave me a comment (scroll down the page to the comment section) and let me know how I may help you on your journey to shopping smarter and saving more!
Checklist of things to do:
- Request your Free Enfamil, Similac & Gerber Baby samples
- Subscribe to my Free Email Newsletter so that you never miss a deal
Next Steps:
- Want to save even more beyond baby products? Learn how to Shop For Free! Signup to be my free client and allow me to be your Personal Shopper at Shop Your Way where you'll receive weekly coupons and exclusive deals handpicked by me.
- Follow me on Instagram at @SimpleCouponDeals where I post daily deals to help you save each and every day.
- Like our Facebook Page to keep track of new deals as they pop up.
MrsK is the Editor of Simple Coupon Deals. Click here to learn more about MrsK.


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Originally posted by secretagent woooman
reply to post by dizziedame
Yep! In a nutshell, all they are doing is taking content off of this site and a few other boards, packaging it and selling it under a "copyright." What happened this time is, someone from the Doomers.US site named Country USA forced their hand (there are plenty of references on the net if you want to check this out, sounds like he and a couple of others have been banned on multiple sites) by printing a draft of the last section before they had time to go in to rewrite it to match what was going to be said on the boards for new customers. Not the first time they have done this either, if you don't believe this dig up past reports, then sit down and insert key phrases into google and trace them back to the original sites they were written on. And check the updates on their sites where they retract statements that failed.
Funny how this is the only time in more than a decade that releasing this report skews their results, or at least when not enough people buy it. The interviews they are giving are only digging them into a deeper hole since they are very clearly practicing historical revision on their sites as well.
I'm sure most of you know what the legal term is for someone who perpetrates fraud but a growing number of people are criticizing them for causing public panic with the past year's reports since they have been advising people to withdraw assets and engage in panic buying with false references to doomsday events and natural disasters which in turn directly affects the job market since they are advising people to leave heavily populated areas where most jobs are concentrated for underdeveloped regions. That is market manipulation and they know what they are doing since these reports are tailored to investors and others in the financial industry. It also smells odd that they cannot defend their remarks without links to sites of dubious content (Godlike Productions anyone?) which is unacceptable for a former journalist like George Ure. I hate to say but it sounds more and more like this is either a giant scheme or they are being used by the nebulous powers that be to crash the system, if anyone else of their public stature printed this content they would be prosecuted or silenced.
Originally posted by Seany
reply to post by questioningall
one thing confuses me a bit about your web bot
we know the net is 90% porn, so why no porn predictions
Now I realize the Bot people will filter out the PORN stuff, so my point
is , what barometers do they use to filter "feed" out, and do they filter out
things that aren't sensational to report?
How come the Bot never says "All is good, Peace on earth"
Originally posted by Seany
reply to post by questioningall
one thing confuses me a bit about your web bot
we know the net is 90% porn, so why no porn predictions
Originally posted by questioningall
I take what they say and understand some could be read wrong. I have found overall, something does happen in regards to a certain subject, but it might not be as they portrayed it.
A big one was the earthquake last year expected from Dec. - well the earthquaked, but in another way then mentioned. The Madoff scandal came out the same day - they had predicted a quake. It shook up the world tremendously and on both sides of the world. They read the info wrong, in my opinion.
Originally posted by questioningall
reply to post by SecretGoldfish
Question - have you ever heard of someone saying something like 10000 times more - when they don't mean it literally? But it is instead saying there is going to be a huge increase - more than ever before?
Give me a break on the fact of literally counting the percentage of increase - it is a way of saying "There will be much more sightings and reports than ever before.
Originally posted by questioningall
reply to post by DarkSecret
Now, why is it, the amount of UFO sightings is twisted in your post? Please read 10000% increase in sightings ( in other words LOTS of them) - compared to what you posted of 10000 per day.
Please see the symbol Percentage NOT amount!!
Amazing how things gets misconstrued and changed than what is posted.
Originally posted by questioningall
reply to post by DarkSecret
Now, why is it, the amount of UFO sightings is twisted in your post? Please read 10000% increase in sightings ( in other words LOTS of them) - compared to what you posted of 10000 per day.
Please see the symbol Percentage NOT amount!!
Amazing how things gets misconstrued and changed than what is posted.
Originally posted by SecretGoldfish
Originally posted by questioningall
reply to post by SecretGoldfish
even when they outright predict a specific event at a specific date range withing a specific geographic region, like an earthquake near seattle, you'll find something else that 'fits' when nothing happens . . . like madoff being an earthquake.
they'll just try to pass any errors or prediction 'adjustments' off as inherent problems of the 'rickety old time machine' and you guys will swallow it whole.
where was the election that was going to be disputed for months?
Oh, where have you been - Franken - Coleman - Minnesota
where was the event that was going to bring shame on evangelicals?
where was the counterfeit gold? he admitted he read that wrong about 2 weeks ago - it is that China will ask for an audit of the gold in Fort Knox, soon
where was any of it? above
only in your heads, and ultimately in their wallets.
Interesting, how a few are trying to set one thing and put an exact number on it. Go ahead, none of that concerns me at all. Do what you want with whatever numbers - doesn't bother me in the least. I think it is funny actually how hard people are trying here to twist things and say absolutes. That kind of stuff never bothers me and actually I won't waste my time on answering it anymore.
Besides once again no one said these are absolutes - this is relaying info, besides they have a decent track record.
Oh yeah, restriction on travel was one thing from them a few reports ago.......... hhhmmm - will that start happening with this outbreak? Guess time will tell as with everything else.
Originally posted by NathanNewZealand
reply to post by questioningall
Is that it?
I thought it was meant to be too scary to read, too scary for the public.
Mass volcanos, earthquakes, magnetic disturbances, sevre weather, all manner of natural disaster on an enormous scale. Pretty much the standard scenario for any 2012 believer. Don't see what the fuss was about.


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Coach from Sabah
Sabah is part of Malaysia and is located at the island of Borneo. Every year, there are thousands of tourists coming to visit here. Sabah has one of the best beaches, one of the best diving sides and one of the most delicious seafood you can ever find in south east asia. Tourist from as far as American will flock to Sabah to enjoy the beautiful beaches, witnessing the best diving sides and tasting exotic seafood.
The transportation in Sabah is rather comprehensively covered to the tourist spot where most of the buses departing from the city of Sabah Kota Kinabalu to various part in Sabah such as Sandakan, Semporna, Menumbok and many more. Here are some tips and information for travelling from Kota Kinabalu to various destination.
Tips for going to Kuala Penyu
Kuala Penyu is famous for its beaches, especially Tempurung beach, Sawangan beach and Sungai Labuan Waterfront. Most of the tourists visit Kuala Penyu to enjoy the beautiful beaches. And also, it is also the gateway to Pulau Tiga National Park, where the series 'Survivor Borneo' was shoot there.
In order to get to Kuala Penyu from Kota Kinabalu, unfortunately, there is no direct bus from Kota Kinabalu to Kuala Penyu. However, there are options where taking bus to Menumbok and alight at the roundabout of Kuala Penyu. There are several mini bus that provide direct transport to Kuala Penyu.
Tips for travelling from Kota Kinabalu to Brunei Bandar Seri Bagawan
Total journey is 8 hours, but there are numerous stops for passport stamping along the way.
- 2 hours journey from Kota Kinabalu to Sarawak border, total of 2 passport stamping needed
- 2 hours journey from Sarawak to Brunei border, total of 2 passport stamping needed
- 1.5 hours journey from Brunei to Sarawak border, total of 2 passport stamping needed
- 1 hour from Sarawak border to Brunei Bandar Seri Bangawan, total of 2 passport stamping needed
For more information about the bus terminal in Kota Kinabalu and schedule, please click here


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Valeting Services in richmond
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text: The exact origin of #MotivationMonday is obscure, but its relevance is clear. Social media is replete with inspiring platitudes aimed at helping us face the new week. In searching for our own Monday motivators, we decided to dig a little deeper. These stories illustrate the potential of technology for improving lives, society and the planet.


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As this was the first meeting of the new fiscal year, and a chair had not yet been elected for 2002-2004, there was no prepared agenda. Rebecca facilitated the start of the meeting.
1. Jeanne distributed the current charge to the Web Advisory Committee, and asked whether it needed to be updated. It was agreed that no revisions were needed.
2. Rebecca distributed the committee's 2001-02 goals. (See minutes of July 18th, 2001) Upon review, it was determined that all goals were met, with the exception of an assessment of the website, and the implementation of MyLibrary.
3. Goals for 2002-03 were established:
4. Au was elected to chair WAC for 2002-04.
5. The configuration of WAC's subgroups were reviewed. It was acknowledged that "Immediate Things" is a misnomer of sorts at this point. After discussion, "Immediate Things" and Research Guides were combined into one subgroup, which will be called the Content group. The group will be responsible for research guides, and the development and management of content for the library pages. The Design group will continue, and will be responsible for architecture, aesthetics, and keeping abreast of technologies. Members of the two subgroups are as follows:
Content: Au, Leslie, Sam, Theo. Coordinator to be determined.
Design: Karen, Rebecca, Sam (coordinator), Sara.
Theo will ask Vib which subgroup she is interested in joining. Au will do the same for Stephanie.
Jeanne will be liaison to the other Councils.
6. It was suggested that Rebecca write a "year in review" of WAC activities for the Agenda. Included might be reminders about general WAC style guides, index description style sheets, ways of communicating with the webmaster for submitting corrections, etc.
7. The next WAC meeting was scheduled for August 12th at 9:30. Subsequent meetings for the year will be held on the 2nd Monday of the month.


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'Hunger Games' Meets 'Mulan'
If you're a fan of the classic Disney animated film Mulan and The Hunger Games, you'll love this vid! Taking on the classic, "Honor to Us All" makeover song, some YouTubers put a funny spin on it. Singing along to the tune, Katniss' prep team gets her ready to bring honor to District 12. They even tweak the lyrics to reflect the Games! Who knows, maybe this could inspire a Hunger Games musical! Watch the vid above!


text: Newblinds.co.uk are SOMFY accredited Expert Retailers, meaning we have undergone Expert level training relating to automated shading and home and building automation. We offer best quality SOMFY branded motors, along with other brands such as Vestamatic, Qmotion and Lutron blinds. Most importantly, we are able to select which brand to use for a given project, given factors such as customer budget and expectations, building and home automation compatability and availability of power and control cabling.


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This is where you will find finished calls that are ready to buy and ship immediately, You just never know what you will find here. Every now and then I make a mistake on a selection of wood or a design that just doesn't fit the customer but is in no way a bad call. Those end up in a bucket with a date for the fire place in the back yard 🙂 . These are usually discounted from the usual retail price but not always. It never hurts to ask for a deal, Nothing is in stone here, Kel
Addicted Goose Calls$100.00
Hybrid Duck Calls$45.00
Wood Duck Call aka "Woodie Kall"$55.00


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Salad isn't exactly the food most associated with winter, but we believe with the right ingredients it can still be enjoyed in colder temperatures!
Remember that salad is so much more than some lettuce and tomato slices. Fill it with leafy greens, beans, seeds and nuts and you got yourself a real meal.
Ingredients (desired amount)
White quinoa
Mâche salad
Cherry tomatoes
Green bean seeds
Feta cheese
Sunflower seeds
2-3 tsp. olive oil
½ tsp. honey
½ lemon
A dash of salt
Boil the desired amount of quinoa and while it cools down you can start on the dressing. Blend olive oil, honey, lemon juice and salt, before adding all the other ingredients and mix well. Top with feta cheese and enjoy!
By: Henriette Danielsen / Photo cred


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Limiters of Beef Consumption
Shoppers rank beef's flavor and enjoyment as the number one driver of consumption, but media reports often present them with arguments for limiting their beef in their diets. In May 2012, The Beef Checkoff conducted a survey to determine what concerns were keeping shoppers from purchasing more beef. Here's how retailers can take action to address the concerns that are limiting the amount of beef your shoppers are purchasing.
Source: All statistics and information are from the Limiters of Beef Consumption Study (May 2012), funded by The Beef Checkoff.
Home > Shopper Insights > Beef Consumption and Perceptions > Limiters of Beef Consumption


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Your never-ending season.
The rest of your ride buddies have given up on the season for the year, but you aren't ready to tuck your bump-gobbling trail companion away in the garage just yet. Rather than sitting around and twiddling your thumbs until the snow flies and it's time to strap a board or two to your feet, you'll be out enjoying late-late season singletrack, and as long as you have a jacket like the Fox Racing Men's Bionic Pro Softshell Jacket on your side, you'll be having a hell of a time.
Fox doesn't mess around with the Bionic Pro, constructing it out of a three-layer softshell that not only shields you from rain and wind, but also adds breathable thermal insulation when you get high enough for the rain to turn to snow. Inside the jacket, Fox's TRUDRI mesh liner maintains consistent breathability, ensuring you don't feel like you're riding inside a greenhouse when you're halfway into a long, grueling climb.
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- Jacket to extend your ride season into the winter months
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From Waco, Texas, USA:
I am now 21 years old, have had type 1 diabetes since I was five, and I have had the hardest time finding an endocrinologist since I moved. There are only two clinics I can attend with my insurance -- one will not accept new patients unless they have cancer, and the other I am currently using, but I have had the worst experience with the doctors there.
I was told I had kidney failure, sent on my way, and, two weeks later, I was informed it was a "scare tactic." They changed my insulin from NPH with Regular to NovoLog and Lantus which caused radical changes so I tried for over a week to get back with the doctor, but my calls were not returned. My most recent experience involved the nurses not calling in my prescription refill and then having to hassle with doctor after hours to call it in. I do not care if I have to drive two hundred miles, but I need to find a new doctor who is good. Where can I find recommendations?
I am not familiar with the medical professionals in your area. I would suggest that you contact the local diabetes educators association. They might be able to share with you the general reputation of other diabetes specialists in your community.
As for your insurance, I would strongly recommend that you contact them to complain about the experiences you have had with their providers and demand that they provide you access to other providers in your community. If they refuse, contact the Consumer Services Bureau of the Texas Department of Insurance and tell them that one of the two providers in your insurer's network is not seeing new patients and the other provides sub-standard care. In my past dealings with TDI, I have found them to be very pro-consumer and very pro-diabetes.
Additional comments from Barb Schreiner, diabetes nurse specialist:It is frustrating when an insurance plan dictates who your provider should be. You are wise to look for a diabetes care professional who you can work with ! You might try practices in Dallas or Austin. Both cities have fine diabetes endocrinologists. I would suggest contacting the American Diabetes Association for names of physicians in these cities. One other suggestion. If you are unhappy with the benefits in your insurance plan, talk to the person responsible for purchasing your plan. This is usually somone in the human resources department of your employer.
Additional comments from Lois Schmidt Finney, diabetes dietitian:It sounds as though you need to seek care elsewhere, even if it means a bit of a drive. It looks like Dallas is not too far, so I would suggest looking for a diabetes team there. It is best to see your team every three months, but they may be okay with other arrangements. Do seek the care you feel you need.
Additional comments from Dr. Philip Ledereich:Some suggestions:
- Contact the insurance company and let them know about your experience. They may "counsel" the physicians at that location and possibly get you better care.
- If they do not give you better care, consider asking the insurance company to allow you to go out of network.
- If the insurance company does not allow you to go out of network, you can complain to the supplier of your insurance (e.g., employee relations at work)
- Consider complaining to the physicians' employer if they work for a hospital.
- Complain to the supplier of your insurance (e.g., employee relations at work)
- Consider asking for help from the American Diabetes Association.
- Consider calling your state insurance board and your local government representatives about your situation asking for help.
Original posting 10 Jan 2003
Posted to Community Resources
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Last Updated: Tuesday April 06, 2010 15:09:42
This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
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When the remake of the movie, Sparkle, arrived to theaters, I had to watch the 1976 version just one more time. This has been a favorite since I first watched it as a teen almost 20 years after it was released. Every time I watch the movie something different stands out. This time that I watched it, I noticed how sweaty Stix, the character played by Philip Michael Thomas, was when he hugged the girls mom. It was at the point that I experienced an epiphany as to why this movie impacted me so much. Here are three sweaty business lessons that I learned from the movie:
1. Sweating is Natural
In Sparkle, when Stix came to Sparkle's debut and hugged her mom he was sweaty. She didn't turn him away. In fact, she gave him a full embrace while in her finest threads. He had made a mistake and she knew it, but he had survived it and she was encouraged. As a entrepreneur, I have to put in my sweat equity to get my business off the ground. There aren't always casual or ladylike ways to go about this. I just have to allow myself to get dirty, make mistakes, fall down, get up...It's okay. As I take risks, I see my clients taking risks. They inspire me. That determination and perseverance becomes contagious.
Yes; I am a writer. Yes; I am a poet. But, THIS time I am not speaking figuratively. In the movie, when Stix got upset, he would put his feet to the pavement and take a walk. Similarly, no amount of reading, savvy, and mental exercises can replace a good workout. Physical exercise is good for your health AND the health of your business. Dan Brown, author of the Da Vinci Code is quoted as saying:
In addition to starting early, I keep an antique hourglass on my desk and every hour break briefly to do push-ups, sit-ups and quick stretches. This helps keep the blood, and ideas, flowing.
As an entrepreneur, you are not only the worker bee - you are the thinker bee. The one with the vision. When I allow myself to become exhausted, it compromises the amount of energy I have to put towards my projects. Time at the gym or walking has produced some of my most creative ideas.
3. Use your Sweat to Sparkle
There are fifteen key minutes of the movie that completely elevate the story line from being about a poor family living in Harlem to a much more universally-themed story line about choices...specifically choices that have to be made in the face of adversity. The following words were said by Sparkle (portrayed by Irene Cara) after the funeral for her sister and Stix returning to town after leaving to pursue his career. She is hurting or, in the words of the old Dry Idea commercials, letting him see her sweat. But, it is pivotal to her growth and independence. This stronger, confident person emerges than we have seen up to this point in the movie. This person becomes the Sparkle whom we see command the stage at Carnegie Hall.
Give you a chance? Wanna know something funny? When you first left, I wasn't sure if I'd be able to live without you. Yeah, I used to sit in this room and wondered if I would ever get through another second. Can you imagine a person so unhappy? To not know if they'd live through another second? I got through the second, Stix. Minutes, days, months, weeks. I'm doing fine without you. Just fine.
As an entrepreneur, I am faced with many challenges. Unlike the years I spent in higher education, I don't have a meeting to call, protocol to follow or standard practices guide. Many choices are complex and there is no right or wrong. I have mentors and resources in place which help. But, some decisions and challenges are unique to my own business. Going through the process, the sweat, learning from own lessons, and recovering from my own decisions all are helping this solopreneur to evolve.


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Combined omega-3 fatty acids, aerobic exercise and cognitive stimulation prevents decline in gray matter volume of the frontal, parietal and cingulate cortex in patients with mild cognitive impairment. NeuroImage 131: 226-238 (2016)
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WASHINGTON, Sept 14 (Reuters) - Six companies bought 14 million barrels of oil from the U.S. Strategic Petroleum Reserve in a sale required by law to help fund medical research and the federal government, said the Department of Energy on Thursday.
BP Oil Supply, Exxon Mobil Corp, Phillips 66 , Shell Trading, Valero Marketing and Supply Company, and Macquarie Commodities Trading bought oil from the reserve, which is held in salt caverns on the Texas and Louisiana coasts.
No prices were immediately available. (Reporting by Timothy Gardner; Editing by Lisa Shumaker)