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Is there any better place to spend a sunny summer day than on the water? New York boat lovers would certainly say no. Whether you favor the zippy momentum of a power boat, the serenity of sailing, or even the exhilarating freedom of a jet ski, there's a refreshing quality to water-centered recreation that ensures its perennial popularity. On the water, one's worries seem to quite literally float away...until something goes amiss, and you think, "Uh-oh, am I properly insured?"
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If you're a business owner in New York, you may have employees who take company laptops and smartphones with them during their summer travels. This is wonderfully convenient because it allows employees to stay in touch and work while they are in distant locales. It is also risky, however, because chances are those laptops and smartphones contain important customer and business records-data that should never land in the wrong hands.
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Chances are, New York residents have caught wind of the insurance policies designed specifically for pets. Perhaps you even have health insurance policies for your furry, four-legged friends to protect your finances in the event that they become ill or injured.
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Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.
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On the West Coast, hurricane season begins May 15th and ends November 30th. On the east coast, the season starts on June 1st and also ends November 30th. Don't live on the coast? Don't assume you're safe. Major hurricanes can affect residents who live hundreds of miles inland with heavy wind and rains. In fact, between 1970 and 1999, freshwater inland flooding was the leading cause of death among all weather hazards related to tropical cyclones.
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Do you have home or office improvements planned for this summer? Perhaps you're finally going to build that beautiful patio cover you've been imagining for so long, so you can dine al fresco with friends and family and still have protection from August's blazing sun. Or maybe you're installing new windows in your office, to better let in the warm, fresh, summertime air. No matter the project, it's important for New York residents to make sure that your contractor has all the right insurance coverage, potentially saving both of you from a lot of headaches and financial hardship.
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Most people think of insurance for things like home, autos, life or health, right? But have you ever heard about some of the strange things people have covered by insurance, such as a body part, perhaps, for a celebrity who makes money because of it, or a prized possession that in all reality, no one would consider valuable. Here are some of the weirder insurance policies requested in the sometimes weird world of insurance:
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Earth Day is April 22, 2012. It's a time for those of us in New York to celebrate the miraculous beauty of our precious planet and all its offerings, as well as to make changes to our own habits and lives that will help to preserve the earth for many generations to come. Making such changes will not only benefit the planet; they will benefit you, and all of its present and future inhabitants.
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