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	<title>XINSURANCE</title>
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	<description>factor it in</description>
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		<title>Your “Just in Case” Insurance</title>
		<link>http://www.xinsurance.com/blog/2012/04/27/your-%e2%80%9cjust-in-case%e2%80%9d-insurance/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/27/your-%e2%80%9cjust-in-case%e2%80%9d-insurance/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 17:08:24 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Animal Liability Insurance]]></category>
		<category><![CDATA[animal liability]]></category>
		<category><![CDATA[boy scouts]]></category>
		<category><![CDATA[dog insurance]]></category>
		<category><![CDATA[gap insurance]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[lawsuit]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=402</guid>
		<description><![CDATA[
I used to get made fun of as a kid.  I was the one who came to school with a backpack as big as I was, filled to its capacity with school supplies.  From pencils to gauze pads (just in case my pencil slipped when writing notes and I cut my hand, of course), I [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>More at Risk than Your Medical Practice</title>
		<link>http://www.xinsurance.com/blog/2012/04/24/more-at-risk-than-your-medical-practice/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/24/more-at-risk-than-your-medical-practice/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 14:48:12 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Individual Liability Insurance]]></category>
		<category><![CDATA[Medical Liability Insurance]]></category>
		<category><![CDATA[Personal Liability Insurance]]></category>
		<category><![CDATA[frivolous lawsuit]]></category>
		<category><![CDATA[medical policy]]></category>
		<category><![CDATA[medical practice]]></category>
		<category><![CDATA[medical professional insurance]]></category>
		<category><![CDATA[personal assets]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=397</guid>
		<description><![CDATA[
In medicine, we hear a lot about preventative care.   In matters of asset protection, doctors would do well to follow their own advice.  Physicians should prevent their assets from becoming vulnerable to a frivolous lawsuit.  Being sued leaves much more at risk than a medical practice. Injured parties are seeking compensation for injuries received and [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/04/24/more-at-risk-than-your-medical-practice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HR Professionals and Sticky Situations</title>
		<link>http://www.xinsurance.com/blog/2012/04/20/hr-professionals-and-sticky-situations/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/20/hr-professionals-and-sticky-situations/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 17:43:35 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[HR Personnel Insurance]]></category>
		<category><![CDATA[Assault]]></category>
		<category><![CDATA[Battery]]></category>
		<category><![CDATA[Discrimination allegations]]></category>
		<category><![CDATA[pessimist]]></category>
		<category><![CDATA[Sexual harassment claims]]></category>
		<category><![CDATA[Termination lawsuits]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=392</guid>
		<description><![CDATA[
In a prior job, I used to share a cubicle with a guy who hated everything. I wish that this were an exaggeration.
This guy, who we’ll call Steve (because his name was Steve) was quicker to express a negative sentiment than the Grinch (and he was also slightly hairier). Steve was very unpleasant to be [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/04/20/hr-professionals-and-sticky-situations/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Surprises Behind Assault and Battery</title>
		<link>http://www.xinsurance.com/blog/2012/04/13/surprises-behind-assault-and-battery/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/13/surprises-behind-assault-and-battery/#comments</comments>
		<pubDate>Fri, 13 Apr 2012 16:32:18 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Personal Liability Insurance]]></category>
		<category><![CDATA[additional liability insurance]]></category>
		<category><![CDATA[assault and battery]]></category>
		<category><![CDATA[insurance supplemental]]></category>
		<category><![CDATA[lawsuit protection]]></category>
		<category><![CDATA[liability insurance]]></category>
		<category><![CDATA[self-defense]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=389</guid>
		<description><![CDATA[
For even the most controlled persons, times may come when self-defense, or the defense of someone unable to protect themselves, may arise.  In these cases, the assumption is often that litigation for any violence would naturally not apply.
However, you would be surprised how often assault and battery litigation could still stick.  Assault and battery is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Die from A Bee Sting</title>
		<link>http://www.xinsurance.com/blog/2012/04/11/dont-die-from-a-bee-sting/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/11/dont-die-from-a-bee-sting/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 16:28:29 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Individual Liability Insurance]]></category>
		<category><![CDATA[bee stings]]></category>
		<category><![CDATA[lighting]]></category>
		<category><![CDATA[mega millions]]></category>
		<category><![CDATA[quadruplets]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=386</guid>
		<description><![CDATA[
In a recent Washington Post article, it was cited that winning the $640M jackpot was so remote (1 in 176 million chance), that you had a better chance at the following:

You have a 1 in 1 million chance of getting hit by lightning, according to the National Oceanic and Atmospheric Administration.
There&#8217;s a 1-in-a-few-million chance of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dangerous Dog Breeds</title>
		<link>http://www.xinsurance.com/blog/2012/04/06/dangerous-dog-breeds-2/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/06/dangerous-dog-breeds-2/#comments</comments>
		<pubDate>Fri, 06 Apr 2012 15:27:55 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Animal Liability Insurance]]></category>
		<category><![CDATA[alaskan malamute]]></category>
		<category><![CDATA[boxer]]></category>
		<category><![CDATA[chow chow]]></category>
		<category><![CDATA[dalmation]]></category>
		<category><![CDATA[doberman pinsher]]></category>
		<category><![CDATA[german shepherd]]></category>
		<category><![CDATA[husky]]></category>
		<category><![CDATA[pit bull]]></category>
		<category><![CDATA[presa canario]]></category>
		<category><![CDATA[rottweiler]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=383</guid>
		<description><![CDATA[
Most people recognize that Pit Bulls or Rottweilers are dangerous dog breeds. In fact there are many breeds considered dangerous. According to the CDC, the ten breeds that seem to bite the most frequently are:

1 Pit Bull
2 Rottweiler
3 German Shepherd
4 Husky
5 Alaskan Malamute
6 Doberman Pinscher
7 Chow Chow
8 Presa Canario
9 Boxer
10 Dalmatian

Some of the above breeds [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/04/06/dangerous-dog-breeds-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Volunteer Liability</title>
		<link>http://www.xinsurance.com/blog/2012/04/03/volunteer-liability/</link>
		<comments>http://www.xinsurance.com/blog/2012/04/03/volunteer-liability/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 16:42:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Volunteer Liability Insurance]]></category>
		<category><![CDATA[ridiculous lawsuits]]></category>
		<category><![CDATA[supplemental coverage]]></category>
		<category><![CDATA[volunteer liability]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=377</guid>
		<description><![CDATA[
In this day and age some people are what I like to call “sue-happy.”  Meaning that they will sue for just about anything.  Last year was no exception and 2011 brought 10 of the most ridiculous lawsuits to date.  These suits included a convict suing the couple he kidnapped for not helping him evade police, [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/04/03/volunteer-liability/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Protection for the Protectors in HR</title>
		<link>http://www.xinsurance.com/blog/2012/03/30/protection-for-the-protectors-in-hr/</link>
		<comments>http://www.xinsurance.com/blog/2012/03/30/protection-for-the-protectors-in-hr/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 16:06:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[HR Personnel Insurance]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[ERISA]]></category>
		<category><![CDATA[HIPPA]]></category>
		<category><![CDATA[Human Resources]]></category>
		<category><![CDATA[IRCA]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=373</guid>
		<description><![CDATA[
Human Resources.  It’s a living thing.  State and Federal rules and regulations combined with business protocol and best practices.  It’s a field that requires knowledgeable and determined professionals.  Usually the path to equitable solutions is clear.  But what about the time when implementing the reasonable accommodation under ADA crosses into the privacy regulations of HIPPA?  [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/03/30/protection-for-the-protectors-in-hr/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Individual Liability Defined</title>
		<link>http://www.xinsurance.com/blog/2012/03/20/individual-liability-defined/</link>
		<comments>http://www.xinsurance.com/blog/2012/03/20/individual-liability-defined/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 15:30:21 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Personal Liability Insurance]]></category>
		<category><![CDATA[lawsuit protection]]></category>
		<category><![CDATA[employee insurance]]></category>
		<category><![CDATA[homeowner insurance]]></category>
		<category><![CDATA[insure possesions]]></category>
		<category><![CDATA[lawsuit coverage]]></category>
		<category><![CDATA[traditional insurance vs. personal liability insurance]]></category>
		<category><![CDATA[workplace coverage]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=363</guid>
		<description><![CDATA[
If ever you’ve been present at a high school graduation, religious service, or third-grade spelling bee, you will have undoubtedly noticed a trend on the part of those speaking. The trend is to define the term on which they wish to focus their remarks by turning to Webster or Oxford or whatever dictionary they have [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/03/20/individual-liability-defined/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Employer&#8217;s Assets are Fair Game</title>
		<link>http://www.xinsurance.com/blog/2012/03/16/employers-assets-are-fair-game/</link>
		<comments>http://www.xinsurance.com/blog/2012/03/16/employers-assets-are-fair-game/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 20:45:45 +0000</pubDate>
		<dc:creator>jibe</dc:creator>
				<category><![CDATA[Employer Liability Insurance]]></category>
		<category><![CDATA[asset protection]]></category>
		<category><![CDATA[business lawsuit]]></category>
		<category><![CDATA[emloyer liability]]></category>
		<category><![CDATA[employer assets]]></category>
		<category><![CDATA[employer coverage]]></category>
		<category><![CDATA[employer property damage]]></category>
		<category><![CDATA[employer-related claims]]></category>
		<category><![CDATA[My business is being sued]]></category>

		<guid isPermaLink="false">http://www.xinsurance.com/blog/?p=360</guid>
		<description><![CDATA[
Congratulations! You are open for business.  You&#8217;ve set up shop and hung out your shingle.  You have probably prepared yourself by purchasing an insurance policy. Unfortunately, in today&#8217;s increasingly litigious society, a general or professional liability policy still leaves you exposed and vulnerable.   One statistic states that 19 million lawsuits are filed each year. If [...]]]></description>
		<wfw:commentRss>http://www.xinsurance.com/blog/2012/03/16/employers-assets-are-fair-game/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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