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	<title>XINSURANCE</title>
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	<link>http://www.xinsurance.com/blog</link>
	<description>factor it in</description>
	<lastBuildDate>Fri, 03 Feb 2012 23:16:55 +0000</lastBuildDate>
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		<title>What Should Keep Employers Up At Night</title>
		<link>http://www.xinsurance.com/blog/2012/02/03/what-should-keep-employers-up-at-night/</link>
		<comments>http://www.xinsurance.com/blog/2012/02/03/what-should-keep-employers-up-at-night/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 23:16:55 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Employer Liability Insurance]]></category>
		<category><![CDATA[lawsuit protection]]></category>
		<category><![CDATA[director liability insurance]]></category>
		<category><![CDATA[employment-related claims]]></category>
		<category><![CDATA[gap insurance]]></category>
		<category><![CDATA[guard against litigation]]></category>
		<category><![CDATA[officer liability insurance]]></category>
		<category><![CDATA[retaliation claims]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=303</guid>
		<description><![CDATA[
Every business knows it has to watch its bottom line, its profit margins, its vendor relationships, its break even points, and its fixed and variable costs. And at night when the world finally goes quiet, good employers are still thinking about their quarterly goals and their fiscal projections.
But according to 2010 statistics what should actually [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Frivolous Lawsuits</title>
		<link>http://www.xinsurance.com/blog/2012/01/31/frivolous-lawsuits/</link>
		<comments>http://www.xinsurance.com/blog/2012/01/31/frivolous-lawsuits/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 20:54:11 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Frivolous Lawsuit Insurance]]></category>
		<category><![CDATA[at risk of being sued]]></category>
		<category><![CDATA[at risk of lawsuit]]></category>
		<category><![CDATA[getting sued]]></category>
		<category><![CDATA[lawsuit protection]]></category>
		<category><![CDATA[personal liability]]></category>
		<category><![CDATA[suing for crazy reasons]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=295</guid>
		<description><![CDATA[
We’ve all grown up hearing those stories about “that lady” who sued “that fast food place” because her coffee was too hot. Or “that guy” who sued “that brewery” because their beer made him run into a telephone pole with his Ford Bronco. Or “that Lindsay Lohan” who sued “anybody” because, well, who knows why [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The Trouble with Trouble</title>
		<link>http://www.xinsurance.com/blog/2012/01/13/the-trouble-with-trouble/</link>
		<comments>http://www.xinsurance.com/blog/2012/01/13/the-trouble-with-trouble/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 21:19:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Animal Liability Insurance]]></category>
		<category><![CDATA[Business & Hobby Insurance]]></category>
		<category><![CDATA[Extreme Sport Insurance]]></category>
		<category><![CDATA[Firearm Liability Insurance]]></category>
		<category><![CDATA[Volunteer Liability Insurance]]></category>
		<category><![CDATA[asset protection]]></category>
		<category><![CDATA[gap coverage]]></category>
		<category><![CDATA[gap insurance]]></category>
		<category><![CDATA[neighbor lawsuits]]></category>
		<category><![CDATA[personal liability inventory]]></category>
		<category><![CDATA[pet insurance]]></category>
		<category><![CDATA[protection against frivolous lawsuits]]></category>
		<category><![CDATA[trampoline accidents]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=290</guid>
		<description><![CDATA[
No one wants to get into trouble. Nobody wakes up and thinks, “Boy. Today, I think I’d like to test the limits of my legal and insurance coverage. Honey? Get the 4-wheelers out! We’re going to test them out on that golf course.”
Trouble is a thing that pops up when least expected. The trick to [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/01/13/the-trouble-with-trouble/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Renter&#8217;s Insurance: The Good, The Bad and The Ugly</title>
		<link>http://www.xinsurance.com/blog/2012/01/10/renters-insurance-the-good-the-bad-and-the-ugly/</link>
		<comments>http://www.xinsurance.com/blog/2012/01/10/renters-insurance-the-good-the-bad-and-the-ugly/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 23:07:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Renter's Insurance]]></category>
		<category><![CDATA[cash-value coverage]]></category>
		<category><![CDATA[floods]]></category>
		<category><![CDATA[hailstorm]]></category>
		<category><![CDATA[replacement cost coverage]]></category>
		<category><![CDATA[supplemental liability coverage]]></category>
		<category><![CDATA[theft]]></category>
		<category><![CDATA[winds]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=287</guid>
		<description><![CDATA[
Most people consider insurance when it comes to their car or their house because it’s required in order to get a loan. But renter’s insurance is another thing. Many renters live under misconceptions about the need for insurance. For example, some believe that the landlord&#8217;s insurance will cover them in case of theft, or their [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/01/10/renters-insurance-the-good-the-bad-and-the-ugly/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pre-paid Legal Shortfalls</title>
		<link>http://www.xinsurance.com/blog/2012/01/06/pre-paid-legal-shortfalls/</link>
		<comments>http://www.xinsurance.com/blog/2012/01/06/pre-paid-legal-shortfalls/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 17:17:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Legal Protection]]></category>
		<category><![CDATA[law services]]></category>
		<category><![CDATA[PPL]]></category>
		<category><![CDATA[PPLS]]></category>
		<category><![CDATA[pre-paid legal services]]></category>
		<category><![CDATA[pros and cons of pre-paid legal]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=281</guid>
		<description><![CDATA[
Protection is a natural instinct. We throw our arms across our children when anticipating a car wreck; we double-check the stove, iron and electric blanket to make sure they’re all off before leaving the house; we worry about giving credit card information out online.
One form of legal protection that has been increasing in popularity since [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/01/06/pre-paid-legal-shortfalls/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Assets Are Vulnerable</title>
		<link>http://www.xinsurance.com/blog/2012/01/05/personal-assets-are-vulnerable/</link>
		<comments>http://www.xinsurance.com/blog/2012/01/05/personal-assets-are-vulnerable/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 02:28:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[asset protection]]></category>
		<category><![CDATA[antiques]]></category>
		<category><![CDATA[businesses]]></category>
		<category><![CDATA[cars]]></category>
		<category><![CDATA[collections of art]]></category>
		<category><![CDATA[electronics]]></category>
		<category><![CDATA[financial accounts]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[investment portfolios]]></category>
		<category><![CDATA[life insurance policies that have a cash value]]></category>
		<category><![CDATA[personal assets]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=277</guid>
		<description><![CDATA[
A personal asset is something of value that you own.  Personal assets can include home, financial accounts, life insurance policies that have a cash value, real estate, businesses, cars, electronics, investment portfolios, collections of art, antiques and other valuables.  We may feel that once we own something, it is ours forever and therefore safe, giving [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/01/05/personal-assets-are-vulnerable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Liability</title>
		<link>http://www.xinsurance.com/blog/2011/12/13/personal-liability/</link>
		<comments>http://www.xinsurance.com/blog/2011/12/13/personal-liability/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 23:06:38 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Personal Liability Insurance]]></category>
		<category><![CDATA[motorcycles]]></category>
		<category><![CDATA[neighbor lawsuits]]></category>
		<category><![CDATA[personal liability inventory]]></category>
		<category><![CDATA[swing sets]]></category>
		<category><![CDATA[trampoline]]></category>
		<category><![CDATA[trampoline accidents]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=269</guid>
		<description><![CDATA[
We live in a wonderful country, where we enjoy many freedoms.
Unfortunately, one of those freedoms is owning a trampoline.
If our founding fathers had known what trampolines actually were, they would have viciously jotted down another section of the Constitution that forbids us from purchasing them. There would have been a block on importing any trampolines [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2011/12/13/personal-liability/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Life Preserver</title>
		<link>http://www.xinsurance.com/blog/2011/12/08/your-life-preserver/</link>
		<comments>http://www.xinsurance.com/blog/2011/12/08/your-life-preserver/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 21:09:40 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[asset protection]]></category>
		<category><![CDATA[additional liability insurance]]></category>
		<category><![CDATA[gap coverage]]></category>
		<category><![CDATA[umbrella insurance]]></category>
		<category><![CDATA[xinsurance]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=265</guid>
		<description><![CDATA[
When phrases like “umbrella insurance,” “gap coverage” and “additional liability insurance” get thrown about by legal professionals, it’s easy to feel buried beneath the flood of jargon. But guess what?! I’m here to throw you a life preserver, and pull you out of the waters of legalese.
And speaking of life preservers, there’s a big one [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2011/12/08/your-life-preserver/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Q and A&#8217;s of Frivolous Lawsuits</title>
		<link>http://www.xinsurance.com/blog/2011/10/19/the-q-and-as-of-frivolous-lawsuits/</link>
		<comments>http://www.xinsurance.com/blog/2011/10/19/the-q-and-as-of-frivolous-lawsuits/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 15:38:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Frivolous Lawsuit Insurance]]></category>
		<category><![CDATA[frivolous lawsuit]]></category>
		<category><![CDATA[protection against frivolous lawsuits]]></category>
		<category><![CDATA[sued for wages]]></category>
		<category><![CDATA[suing for crazy reasons]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=260</guid>
		<description><![CDATA[
Q: What is a frivolous lawsuit?
A: It’s a lawsuit that is brought by a plaintiff who knows that it has no legal merit.
Q: Why do people file frivolous lawsuits?
A: Bottom line is to get money!  However other underlying reason is that people simply do not want to take responsibility for their own actions. Remember the [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2011/10/19/the-q-and-as-of-frivolous-lawsuits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 7 Dangerous Dog Breeds</title>
		<link>http://www.xinsurance.com/blog/2011/08/19/top-7-dangerous-dog-breeds/</link>
		<comments>http://www.xinsurance.com/blog/2011/08/19/top-7-dangerous-dog-breeds/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 16:17:01 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Animal Liability Insurance]]></category>
		<category><![CDATA[dangerous breeds]]></category>
		<category><![CDATA[dangerous dog]]></category>
		<category><![CDATA[dog breeds]]></category>
		<category><![CDATA[dog insurance]]></category>
		<category><![CDATA[pitbull insurance]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=235</guid>
		<description><![CDATA[When it comes to pets and homeowner&#8217;s insurance, dogs have often been excluded due to the almost 5 million canine-related injuries that are reported in America each year. While insurers like State Farm and Allstate might be loosening their restrictions, many others still reference what the Centers for Disease Control defines as the most dangerous [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2011/08/19/top-7-dangerous-dog-breeds/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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