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<title>Buffalo Ridge Insurance Newsletters</title>
<category>Insurance</category>
<description>Monthly headlines</description>
<language>en-us</language>
<copyright>Copyright 2007 Liberty Publishing. All rights reserved.</copyright>
<link>http://www.buffaloridgeins.com</link>
<ttl>60</ttl>
<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Common Misconceptions Causing Business Owners Not to Purchase EPLI</title>
<description>Some of the most common lawsuits heard in courtrooms are discrimination suits against businesses. This is confirmed by the fact that in 2009 over 130,000 complaints were filed with the Equal Employment Opportunity Commission alone. </description>
<category>Down To Business</category>
<link>http://www.siteforless.com/newsletters/?QID=114&amp;tokenID=943967a47f4f72eaf5ab1dd0ac00e6e771</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>How Will You Fare in Court If Your Business Suffers a Data Breach?</title>
<description>There were 325 data breach incidents and 8,320,325 people exposed to data theft from the beginning of 2010 through late June, according to the Identity Theft Resource Center. </description>
<category>Down To Business</category>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Protect Your Small Business, Get Insured</title>
<description>Owning a business can be a very exciting and rewarding experience, but it is crucial that you do not overlook the risks that come along with it. Having proper financial protection gives family-owned businesses peace of mind and allows them to focus on what is important, moving the business forward.</description>
<category>Down To Business</category>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Is Your Home Protected Against Devastating Flooding?</title>
<description>Dont wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime the policy does not take effect for 30 days.  </description>
<category>Personal Protection</category>
<link>http://www.siteforless.com/newsletters/?QID=115&amp;tokenID=4e9c0297ab1b247dfe60286c469953a371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Separate Households Whose Insurance Covers the Kids Accidents?</title>
<description>Michael and Maureen divorced after 18 years of marriage and agreed to joint custody of their three children. Their 11 year-old son Mikey is riding his bike one afternoon with some friends and not paying full attention to the road in front of him.</description>
<category>Personal Protection</category>
<link>http://www.siteforless.com/newsletters/?QID=115&amp;tokenID=4e9c0297ab1b247dfe60286c469953a371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Steer Clear of Car Break Ins</title>
<description>One Saturday Jenny stopped by the mall for some afternoon shopping. The parking lot was packed but she found a space at the very back of the lot. </description>
<category>Personal Protection</category>
<link>http://www.siteforless.com/newsletters/?QID=115&amp;tokenID=4e9c0297ab1b247dfe60286c469953a371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Four Solutions to Medical Bill Problems </title>
<description>Theres just something a little scary about receiving a medical bill or a letter from your insurance company claiming you owe money. These tiny sheets of paper have the power to send many of us into full on panic mode.  </description>
<category>Life &amp; Employment</category>
<link>http://www.siteforless.com/newsletters/?QID=132&amp;tokenID=0a2a014b28c2d31e8613465a3141639071</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Protect Your Happiness with Disability Insurance</title>
<description>Almost everyone needs disability insurance. Think about it. Your capacity to earn a living is crucial. Your income makes it possible to buy food, make mortgage payments, provide for your children, take a vacation, and countless other things. </description>
<category>Life &amp; Employment</category>
<link>http://www.siteforless.com/newsletters/?QID=132&amp;tokenID=0a2a014b28c2d31e8613465a3141639071</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Ten Reasons You Need Life Insurance</title>
<description>We hear the stories every day. People dying suddenly from heart attacks or freak car accidents. That makes us think, what if that happened to me? Consider these 10 reasons for owning life insurance:
</description>
<category>Life &amp; Employment</category>
<link>http://www.siteforless.com/newsletters/?QID=132&amp;tokenID=0a2a014b28c2d31e8613465a3141639071</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Does Your Business Have a Disaster Recovery Plan?</title>
<description>Of events with negative financial and commercial impacts, natural disasters such as floods, hurricanes, tornadoes and earthquakes are at the top of the list. </description>
<category>Construction</category>
<link>http://www.siteforless.com/newsletters/?QID=266&amp;tokenID=bb66788874c7075a62644fa5c9ed65b371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>How Does a Workers Comp Waiver of Subrogation Affect Your Business?</title>
<description>It is very common for the insurance requirements in a construction contract to include a provision requiring the subcontractor to waive all rights against the owner and general contractor for recovery of damages to the extent these damages are covered by the subs workers compensation and general liability or commercial umbrella liability insurance.</description>
<category>Construction</category>
<link>http://www.siteforless.com/newsletters/?QID=266&amp;tokenID=bb66788874c7075a62644fa5c9ed65b371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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<title>Substance Abuse Costs Employers Billions</title>
<description>Substance abuse problems among employees cost businesses billions of dollars each year. According to the 2008 National Survey on Drug Use and Health, in that year, 73% of the nations adults with alcohol or drug dependence were employed either full or part time.</description>
<category>Construction</category>
<link>http://www.siteforless.com/newsletters/?QID=266&amp;tokenID=bb66788874c7075a62644fa5c9ed65b371</link>
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<pubDate>Mon, 2 Aug 2010 21:11:42 PST</pubDate>
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