Speaker: His Excellency Paul Kagame, President of the Republic of Rwanda Perceptions and stereotype of Africa and Rwanda as perpetual basket cases and donor havens only sustained by aid, charity and pity no longer correspond to contemporary development of the past decade. Rwanda, under the leadership of one of Africas most able leaders, President Paul Kagame has undertaken considerable reforms leading to serious domestic and foreign investment. President Kagame has single-handedly redefined the way African leaders should engage the best of the Western and Eastern world. He has appointed some the world's greatest minds in business and strategic investment to his council of economic advisers. President Kagame also put Rwanda on the global map by hosting UN secretary-general Ban-Ki Moon and US President George W. Bush. Some of the recent indicators that prove President Kagames esteem with world leaders include his appointment by Bill Clinton to the board of the Clinton Global Initiative. Tony Blair also recently became the Rwandan Governments advisor for no fees; Bill Gates has personally been working closely with President Kagame in supporting the health sector in Rwanda. Paul Farmer, a Harvard professor and world's leading authority on public health-care in poor countries is advising President Kagame to develop one of the most innovative national health insurance systems in the world. The strategic alliances between Rwanda/Kagame and some of the leading minds in business ...



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Starting up and owing your own business brings enormous responsibility, especially if you are starting up a beauty salon, as your whole business will be based on treating members of the public. Any business that involves customers coming onto the premises or you going out to treat customers in their own home, poses a risk. When in the beauty business, however careful you may be, accidents can happen, which brings the risk of customers taking you to court to claim for damages. Therefore, you may want to consider taking out beauty salon insurance.

What aspects of my business would be covered?

There are different components to insurance for your beauty salon that you may want to think about. However, you would need to check with the insurance provider and check the small print of your policy to find out what was included in your chosen cover. Generally, an insurance policy would provide cover for the actual building in which your business was housed, if you own it. For instance if there was a fire that stopped you from being able to run your business you could claim on the insurance policy to help with rebuilding costs.

Any furniture and equipment on the premises may be protected in the insurance policy against the possibility of damage or if they were destroyed. The policy could also cover your stock in the event that you lost it, this alone could be your downfall if you did not have insurance to cover the loss and replacements to be able to continue trading.

Liability insurance for the public - ie public liability insurance - may be included, up to so much, in your insurance. This typically protects you against liability claims for injury , loss or death to members of the public who come into your salon for treatment. Even with strict rules and regulations accidents can occur that could leave you open to a liability claim from a member of the public, even someone who is simply on your premises maybe dropping off supplies.

Should you have members of staff working alongside you then you must give some thought to employers' liability cover, as this is usually a legal requirement if you have staff, though there are some exceptions.  This would allow a claim to be made on the policy in the event that a member of staff should suffer injury or worse whilst working in your salon and you were deemed liable for the incident.

If you sell products in your beauty salon, such as facial masks, cleansers or toners then you may want to ensure that the beauty salon insurance policy you were looking at includes product liability insurance. If someone purchased a product and they claimed they had suffered injury as the result of using that product, you would have insurance towards meeting legal costs.

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Warren Buffett and members of his inner circle shed some light on what will happen to Berkshire Hathaway when the billionaire investor steps down. (Venture)



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Glenn Beck 20091207 Part 1/4



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To run a business in the state of New Jersey, you should have several different kinds of business insurance. Typically, a company will need a general commercial insurance policy. Commercial insurance provides protection against theft, property damage, and liability. It also can provide protection against interruption of business and employee injuries. Without New Jersey business insurance, a business owner leaves himself (or herself) open to unnecessary risks that can result in loss of money and property. The owner should research all the different types of commercial insurance before purchasing any. Your company may need commercial property insurance, but not commercial auto insurance. Keep in mind that a business owner may add to, or change, their commercial insurance policy at any time.

Recommendations on buying business insurance in New Jersey

A conservative New Jersey commercial insurance plan should consist of workers compensation insurance and professional liability insurance. It should also offer great employee benefits to improve morale and attract top talent.

Workers' Compensation Insurance covers your employees if they are injured on the job. It will pay the medical bills incurred due to the accident. With no Workers' Compensation Insurance, any employee that is injured on the job can sue their employer for the medical bills and for income lost due to missed work after the injury. Also, if an employee loses his/her life, while on the job, benefits are payable to the dependents of the worker.

New Jersey employee benefits should be guaranteed for any full time worker by their employer. Most businesses offer a benefits package to their employees that include paid holidays, vacation days and, of course, health insurance. The average number of paid holidays is 10. The average number of vacation days is 9.4, usually after one year of employment with the company. Most business' offer health insurance with the employee contributing a small amount towards the costs, and co-pays. Offering a defined pension plan or offer a 401k retirement plan will also draw more employees to your business.

Professional liability insurance protects business owners from negligent claims filed by the clients. This insurance will cover the failure to perform, financial loss, and errors in the products sold or services rendered. Once your business has this insurance, it should never be cancelled. If it is cancelled, it is as if the company never had the insurance to begin with and none of the claims received will be covered.

Without getting the appropriate insurance for your company, you put your business and your personal security at risk. As a company or business owner, you may be sued for any number of things. Whether it be false advertising, injury on the job, or faulty products, keep yourself covered. When you are covered on all corners, there are no worries. When you are unsure about your coverage, you are always at risk.

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www.gopherforum.com - Do you ever wish you could ask what your competitors are doing with their marketing? What about business questions to help you find out what makes some businesses successful while others fail? A new member on the Gopher Lawn Care Business Forum shared with us some of his fascinating business insight. You see he is a printer and helps many lawn care business owners get their marketing material, designed, printed and shipped. He has seen a lot of what works and what doesnt. So I asked him a bunch of business questions. He introduced himself by saying My name is David and I own a printing company located in Illinois. I started in 1999 and have over 20 years of printing experience. Right now I do printing for over 30 landscaping businesses in my area. I design and print, flyers, doorhangers, forms, envelopes, letterheads, business cards also design logos for them. With all your printing experience, have you found landscapers or lawn care professionals tend to choose one marketing method over another? For instance, do they prefer, door hangers, flyers, postcards? Or what is your view which works best? Ifyou are in need of free lawn care marketing material for your lawn care business, please visit our site at http We have hundreds of free lawn care logo, flyer, door hanger and web templates you can download and use for your lawn care business. We also have free lawn care business contracts, estimate and proposal forms. Download our trial version of Gopher ...



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This map shows where people Universal single payer health care .... Afghanistan *, Argentina and Austria, Australia Belgium, Brazil, Canada, Chile, China, Cuba and Costa Rica, Cyprus, Denmark, Finland, France, Germany, Greece, Iraq *, Iceland, Ireland, Israel, Italy, Japan, Luxembourg , Netherlands, New Zealand country, Oman, Portugal, Russia, Saudi Arabia, Spain, Sweden, South Korea, Sri Lanka, Ukraine and United Kingdom * Universal health coverage provided by U.S. war funding, whichgo. Remember: This is a simple list of countries that some form of publicly funded health care system is having. Thus, for example Sri Lanka away from a real, general working conditions of health such as France, but prescription drugs provided through a state pharmaceutical companies. This is seen as "a sort of public financing system, universal health care." maria February 10, 2008 04:31 Farrah Fawcett has to go to Germany for treatment .. returned to America, be deadGermany has already .. Socialized medicine ... Ive lived in the U.S. for 10 years a soldier ... and when he discovered that we bring to Europe on the move ... Your infrastructure is married sad ... more than half of America seems completely dilapidated .. Siemens, Bosch, Daimler .. .. numerous German companies and Japanese UAE .. do what you bought ... Owned by General Electric airports get up your light .. Siemens now American workers are not producing your business schoolScientists ...



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As an insurance agent, you should have a professional business card that will work with you. Since you basically have to ask the client to trust you with their insurance needs, it would be best that you come off very reliable on the first moment you meet them. Business cards have been used for so long especially in the business community. They are considered to be very important and their benefits are very valuable. This is the reason why you should really pay attention to the business card design you choose.

To convey professionalism, your business card should be simple. The information contained should be presented in a very organized manner. It would be really helpful if your business card includes your full name, telephone number, email address and the name of the company you represent. You can add a logo to make the business card more official. Aside from these, your business card can contain a statement or quotation that can relate to your profession as an insurance agent and make it distinct in a subtle way.

Color business cards are great if you only use colors that are not too unprofessional looking like red, pink, orange and other bright colors. These colors would distract from the information that is contained in the business card. It would be smart if you choose neutral colors that would help customers focus on the information instead. Also try to avoid prints and go for plain business cards. They would work even better with your professional image and you would be taken much more seriously.

Professional business cards can be ordered from stores providing such services. You should just make sure that all your specifications are followed and the information you provide them are complete and accurate. Stores that offer these business card services have several designs you can choose from and are actually displayed for your convenience. If you want, you can even combine the features of each design to make a design that is uniquely yours.

For more fun, you can even make your own business cards. There are free programs available on the internet, which you can download to your computer. Aside from saving money, you get to make a batch of business cards on short notice. Remember that your potential clients would be more impressed if you started off a meeting by presenting very professional-looking business cards.

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www.gopherforum.com Everyone who runs a business has customers. Sometimes those customers are a delight to work with while other times they can be nightmares. Everyone seems to do alright handling the happy customers but it can be a serious challenge to handle a difficult customer. Depending on the choices you make, such situations can be turned around or they can go from bad to worse. A lawn care business owner shared with us a situation he finds himself in every once in a while with difficult customers. He also tells us, on the Gopher Lawn Care Business Forum, the best way he has found to resolve the it. Ifyou are in need of free lawn care marketing material for your lawn care business, please visit our site at http We have hundreds of free lawn care logo, flyer, door hanger and web templates you can download and use for your lawn care business. We also have free lawn care business contracts, estimate and proposal forms. Download our trial version of Gopher Lawn Care Business Software. Gopher will help your lawn care business schedule and invoice more customers in less time, allowing you more time to grow or enjoy your life. Check out my lawn care business blog at www.lawnchat.com and my lawn care business forum at http and visit www.gophergraphics.com



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51567.mychocolateoffice.com PrePaid Legal Services is an authentic business that is promoted through the network marketing business entity. Before you join Prepaid Legal Services did you hear that several 6-figure income earning internet marketing phenoms have entered into a network marketing company in the beginning phases of critical mass and in only 3 Short Weeks.. Have Set Records Once Again...The Numbers? You'll have to See It To Believe It... No other time in the history of the home based business era has an arsenal of juggernaut internet marketers come together to teach, train and mentor the serious opportunity seekers to finally seize the work from home industry utilizing the power and leverage of the internet. You have the right company, products and compensation plan as well as proven savvy internet marketers to show you how it's done. How would that change your life? Your timing couldn't be better. If you have to market legal insurance plans or delicious healthy chocolate that helps control your appetite what do you honestly think 9 out of 10 people are going to choose? Some of the most superior products and services are established in companies that are in the MLM industry and have been around for quite some time now and are nothing new. You may not have heard much about Pre-paid legal because it isn't advertised in the standard format. So if you're not acquainted with the name Pre-Paid Legal, it doesn't mean that it's an illegitimate company out to scam ...



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Dr. Regina Herzlinger of Harvard Business School at the Freedom Foundation of Minnesota's Health Care Event on July 28, 2009. In these speech highlights, she discusses the current health care proposals in Congress, how much they will cost, and data and statistics from the NHS in the UK. Be sure to check out our website to read our latest report "The Prognosis for National Health Insurance: A Minnesota Perspective" by Arduin, Laffer & Moore Econometrics: www.freedomfoundationofminnesota.com



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Why Obamacare Is Sinking www.NuRxCard.com By Charles Krauthammer Friday, July 24, 2009 What happened to Obamacare? Rhetoric met reality. As both candidate and president, the master rhetorician could conjure a world in which he bestows upon you health-care nirvana more coverage, less cost. But you can't fake it in legislation. Once you commit your fantasies to words and numbers, the Congressional Budget Office comes along and declares that the emperor has no clothes. President Obama premised the need for reform on the claim that medical costs are destroying the economy. True. But now we learn -- surprise! -- that universal coverage increases costs. The congressional Democrats' health-care plans, says the CBO, increase costs on the order of $1 trillion plus. In response, the president retreated to a demand that any bill he sign be revenue-neutral. But that's classic misdirection: If the fierce urgency of health-care reform is to radically reduce costs that are producing budget-destroying deficits, revenue neutrality (by definition) leaves us on precisely the same path to insolvency that Obama himself declares unsustainable. The Democratic proposals are worse still. Because they do increase costs, revenue neutrality means countervailing tax increases. It's not just that it is crazily anti-stimulatory to saddle a deeply depressed economy with an income tax surcharge that falls squarely on small business and the investor class. It's that health-care reform ends up diverting ...



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NBC Dateline January 24 Critical Condition Dateline segment, hosted by Ann Curry, features three families who suffered care setbacks based on decisions made by their health insurers according to their insurance policies. Andrew Rubin was interviewed as an expert on the business side of medicine and the host of a radio program that offers advice to listeners regarding the American health care system. - Andrew Rubin, vice president, Medical Center Clinical Affairs and Affiliates Learn more: www.msnbc.msn.com or www.rubinhealth.com



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David Cay Johnston: More Corporate Tax Breaks Will Not Stimulate the Economy - Getting the economy back on its feet, giving taxpayers a break, saving your retirement fund and your kids college tuition? Done. And it wont cost you a penny. David Cay Johnston outlines his own fiscal therapy to end the economic crisis. David Cay Johnston, Pulitzer Prize-winning investigative journalist. He has the cover story in the latest issue of Mother Jones magazine, titled Fiscal Therapy His most recent book is titled Free Lunch: How the Wealthiest Americans Enrich Themselves at Government Expense (and Stick You with the Bill). He is a former reporter at the New York Times. The notion that everything is solved by a tax cut, of course there are sensible tax policies you can have. But there are public needs we have in this society that cannot be accomplished by a tax cut. No tax cut builds a road. No tax cut puts a cop on the street. No tax cut educates a child in the way that it ought to be done. So this—only tax cuts, at a time when I think we have a deficiency in some areas that are important for the quality of our life, is a big disagreement. The Bush tax cuts, all of them were financed with borrowed money. And where did we end up at the end of the Bush administration? If you add up all of the bailouts that the Bush administration did in the fall, the investments, the spending and the guarantees, its over $8 trillion. How much money is that? It is more than all of the income taxes paid ...



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A business insurance agent's number one objective is to make your life a little easier and things a little simpler when both predictable and unexpected occurrences events take place.

Their role is to help you select an insurance plan that works for you, whether it's auto insurance, insurance for your home and buildings, life insurance and/or health insurance.

A well respected insurance agent is one whose relationships with their customers is built on a foundation of shared values, quality service, mutual trust, and integrity.

An excellent farm or business insurance agent understands what's important to their clients and why. They must understand the importance of the legacy represented by the business itself and they want to be there as part of you final solution - always willing to help in any way the can.

They are your neighbors and friends, people who know that money is always a rare commodity, so setting priorities and communicating the potential consequences is critical.

When tragedy strikes the business, or your family personally there is always a price tag. Where will the cash come from to deal with it?

There are only three possibilities that I know of. Money that has already been earned and saved, money that can be borrowed, or your insurance agent's check - money that does not have to be paid back and does not deplete your savings or investments.

Naturally there is a fourth possibility for raising money, sell assets, not something that is likely to take the business or your farm in the direction you want it to go.

Business insurance agents who know their customers can help them understand the risk to benefit relationship between paying insurance premiums and self-insuring. Some risks you can and should self-insure with your own resources, risks that you can pay for out of pocket don't warrant buying insurance to cover, while others, if uninsured could cause the business to collapse if they are not covered properly.

Selecting the right insurance agent is a serious decision in deed, one that can have a more far reaching impact on your businesses success than anyone who can not accurately predict the future can know.

And unless I miss my guess it is one that almost always comes down to your gut instinct, a matter of personal trust.

The right agent is one who will reach out to their home office, collaborate with their peers, and are willing to tell you so if there is a better solution for you that they don't have.

In other words it's not how much they know as it is how much they care, about you and your family business. It seems to me that the ideal insurance agent is one who'll invest the time required to better understand you and your priorities.

They'll make that investment in your business whether or not you buy insurance from them today or not. They known that in the long run they'll be paid - if they are always willing to give of themselves before feeling a need to receive from you.

Should it be a rookie agent or a seasoned veteran? Does that really matter? It depends.

Let's say they are in expert in insurance and financial services, is that to your advantage or not? Maybe both.

It's good because they have already helped other people like you and they have seen a lot of "brilliant" ideas that did not work in real life over time. Or bad if their previous experiences have turned a mind open to suggestions into one that looks only at their own knowledge.

What about professional designations, whether or not they are well know among your peers, or simply right out of their company's new agent school?

I don't think it really matters, as long as they feel right to you. It is true that new agents fail and seasoned veterans retire.

In the meantime you'll be doing business with someone who cares about your success.

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When was the last time you bought a defective product? When was the last time you received and incomplete because of a service company? Are you aware of cases where a company has products and services, has sued the proposal? These are some questions that everyone can easily answer, because chances are it has happened to everyone at least once.

Companies and groups usually try to provide the best products and services to consumers. But in reality do not alwaysCould happen. In fact, companies can easily get into trouble for Legal Services defective products and incomplete. In this case, liability insurance takes on the task of dealing with any problem that arises.

In particular, the insurance covers damage (especially in the economic form) that the Company may receive, as an action is filed against. Moreover, the insurance coverage all legal costs.

There are three main Types of liability insurance. Although all three are limits of liability insurance, you have a specific purpose and each covers certain cases.

General Liability Insurance: This type of personal injury coverage, property damage or advertising. Insurance companies can survive on this kind of unique, and is the most common form of liability insurance for businesses.

Professional liability> Insurance: The insurance covers problems that may occur due to errors, omissions or negligence. certain professions such as doctors and technical advisers, some areas are required to have this type of insurance a.

Product liability insurance: personal insurance handles injury caused by a defective product, the business was produced by this. The range and level of risk dependsType of activity.

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An up close and personal look at Bill and Diane Lampe, who went from $175000 in credit card debt to personally earn $388000 in their first year, over $1 million in their second year and heading to earn well over $2 million in their third year building National Agents Alliance (NAA) fastest growing mortgage protection and life insurance master agency.



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In the present financial climate discovering the very best insurance coverage is more important than ever. When you are considering various types of insurance from a variety of providers it is crucial that you understand the questions to ask and what to look for. We've put together this guide in order for you to make the correct decision and find the very best insurance coverage for your particular circumstances.

Should you use an insurance agent or buy directly from an insurance company?

What differences are there between buying from an insurance agent or buying from an insurance company directly? Insurance agents can differ considerably in their expertise and how they go about selling you insurance. Since they more often than not work on commission only they sometimes might try to persuade you to buy a higher priced plan than you need. Obviously not all agents will do this and there are lots of honest, hardworking agents that will try hard to make certain that you buy the very best insurance coverage for you. Recommendation from friends is a good way to guarantee you work with an agent who will work hard for you!

If you do make your mind up to employ an insurance agent to lead you through the maze, make sure you find out how long he has been in the business. An established insurance agent will have many satisfied, repeat clients. Is he working for one company only? This could be both both an advantage or a disadvantage. If he sells for two or more companies he is able to choose the best plan for you from a larger selection, but an agent that works for a single company might be more dedicated and have a better knowledge of the plans offered by that company.

Is the agent covered for his mistakes or omissions? If he makes an error he needs to be insured so that you do not suffer financially. Does he know exactly the restrictions on the cover of the insurance policies he is selling? Question the insurance agent in detail and be on your guard if he is vague or less than knowledgeable on any of these factors.

Buying directly from an an insurance provider

If you are buying directly from a company research their record of paying out on any claims and their financial rating. Large companies will by and large have a very good rating but smaller companies, although they may have a lower rating, may well be more obliging as they are in such a competitive business. Find out how long the company has been in business and if there are any negative reports concerning it. Check if the company sells policies that are for more than one year as these can be lower cost if you pay in advance.

Conclusion

Discovering the very best insurance coverage may often be challenging and there are several decisions you need to make before you part with your money. If you come across a good agent who can will go out of his way to help you you will have a distinct advantage over attempting to sort out all the alternatives by yourself. However, whether you use an agent or deal directly with an insurance provider, you need to ensure you do the essential research first.

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People talk bad about Canadian health care. They say the "for profit" American system is the best. Here is just how excellent it really is : www.slate.com The candidates use clever and misleading propaganda to fool you into thinking they really will fix health care. Affordable health insurance does not care about your health. Insurance companies care about profits not health. Insurance companies try to weasel out of paying convincing you it was all your fault and you should be thankful you don't have Canadian health care. We're supposed to be good health care consumers and shop around. Look for the "best" care. That's pretty hard to do strapped to a gurney in an ambulance or when your appendix is about to burst, or your tibia is poking through your skin. Shouldn't all doctors be competent ? Shouldn't they all provide care at a reasonable price ? Shouldn't it be simple and straight forward ? Design it right the first time !



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Insurance is a promise to pay in the event that an insured risk occurs. Bankruptcy can seriously compromise the integrity of this promise. It is not reassuring to know that your business insurer- who protects your business from losses - may not be fully insulated from insolvency. However, a guarantee or promise is only as good as the person or entity making it.

With the 2008 failure of larger insurers (notably AIG), a strong insurer may be made susceptible by external circumstances that are anathema to its business model. Also, financial statements necessary to indicate strength may not immediately available or may lag behind the current financial dynamic. As a business owner, you cannot be completely certain. Therefore having an idea of what happens in the event of the failure of your business insurer is critical.

If your business insurer becomes bankrupt, coverage for your business does not simply disappear. There are procedures and statutory guarantees that aim to ensure that your business remains covered for the period that it should be covered for. Naturally, what happens when your business insurer goes bankrupt is contextual, but can be answered in broad terms.

a) Your coverage should be in force

Every insurer is required to maintain enough liquid asset classes to meet potential claims. When an insurer is bankrupt', it may not have enough cash to operate daily, but may have enough cash to meet potential claims on existing policies. However, an insurer should not use its statutory reserves for any purpose other than honoring its obligation to business policyholders.

b) Regulatory intervention

If solvency with regard to existing and potential claims is a problem, the relevant insurance regulator can intervene. The insurance regulator has the option of restructuring, rehabilitating or managing the insurer to ensure that it regains solvency. During these processes, the insured businesses in the insurer's portfolio will be accorded priority over creditors. Claims that were made before bankruptcy will be honored in full. Depending on the severity of the situation, claims made after the insurer went bankrupt may or may not be honored immediately and not necessarily to their full extent.

c) State guaranty funds

If all else fails, the last resort is to use state guaranty funds to meet the obligations to claims made by policyholders. Claim coverage will be honored, but not necessarily to the fullest extent either. Even in a situation where the insurer is no longer a going concern, current policy holders will have some claim coverage until their policies are no longer in force.

d) Renewal

Business insurance is different from other forms of insurance is that it is renewable- annually in many cases. You may be required to seek coverage elsewhere if the insurer cannot be rehabilitated such that it can remain a going concern. If, despite the attempts by the regulators, the insurer cannot be made viable again, you will certainly have to get a new business policy with another business insurer.

Protection of policyholders and maintaining competitive insurance industry are critical to insurance regulators. Your business will receive claim coverage for the period that your policy contract remains in force even if your business insurer goes bankrupt. If you have an existing claim, it should be fully honored. Claims made after bankruptcy is filed have a lower priority typically. The worst case scenario is that your business would have part-claim coverage until renewal and then you will have to seek another business insurer.

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