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		<title>When Trying to Save Money, Avoid the 5 Biggest Insurance Mistakes!</title>
		<link>http://www.bddinsurance.com/blog/?p=697</link>
		<comments>http://www.bddinsurance.com/blog/?p=697#comments</comments>
		<pubDate>Mon, 23 Apr 2012 19:37:00 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[General Interest]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[biggest insurance mistakes]]></category>
		<category><![CDATA[biggest insurance myths]]></category>
		<category><![CDATA[how to save money on insurance]]></category>
		<category><![CDATA[Lauren Bruen]]></category>
		<category><![CDATA[Lauren Bruen Nicholson]]></category>
		<category><![CDATA[Lauren Nicholson]]></category>
		<category><![CDATA[major insurance mistakes]]></category>
		<category><![CDATA[save money on my insurance]]></category>
		<category><![CDATA[what not to do when reviewing insurance]]></category>

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		<description><![CDATA[In these tough economic times, every dollar counts; however when it comes to insurance, there are a few items that<a href="http://www.bddinsurance.com/blog/?p=697">Read the Rest...</a>]]></description>
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		<title>CLIENT ADVISORY​:  Contractual Risk Versus Additional Insured</title>
		<link>http://www.bddinsurance.com/blog/?p=690</link>
		<comments>http://www.bddinsurance.com/blog/?p=690#comments</comments>
		<pubDate>Fri, 20 Apr 2012 18:25:10 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[additional insureds in construction]]></category>
		<category><![CDATA[contractors additional insureds]]></category>
		<category><![CDATA[contractors contractual liability]]></category>
		<category><![CDATA[contractual indemnification]]></category>
		<category><![CDATA[general contractors and subcontractors insurance risks]]></category>
		<category><![CDATA[naming additional insureds in construction]]></category>
		<category><![CDATA[working with subcontractors in construction]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=690</guid>
		<description><![CDATA[This is an excellent article especially for general contractors in regards to work with their subs.   The below illustrates the important differences between<a href="http://www.bddinsurance.com/blog/?p=690">Read the Rest...</a>]]></description>
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		<title>Take the NY Safe Boating Course and Carry on a Tradition of Safe Boating.</title>
		<link>http://www.bddinsurance.com/blog/?p=681</link>
		<comments>http://www.bddinsurance.com/blog/?p=681#comments</comments>
		<pubDate>Wed, 28 Mar 2012 21:06:26 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[boat safety certificate]]></category>
		<category><![CDATA[boater licence]]></category>
		<category><![CDATA[boater license]]></category>
		<category><![CDATA[boater safety]]></category>
		<category><![CDATA[boater safety license]]></category>
		<category><![CDATA[ny safe boating]]></category>
		<category><![CDATA[safe boating]]></category>
		<category><![CDATA[watercraft safety course]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=681</guid>
		<description><![CDATA[Who should take a course?  Anyone who is out on the waterways in a motorized, sail, or human powered boat.<a href="http://www.bddinsurance.com/blog/?p=681">Read the Rest...</a>]]></description>
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		<title>Tips you can use&#8230;How to Reduce Your Homeowners Insurance Premiums</title>
		<link>http://www.bddinsurance.com/blog/?p=674</link>
		<comments>http://www.bddinsurance.com/blog/?p=674#comments</comments>
		<pubDate>Mon, 12 Mar 2012 18:51:10 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Home Insurance]]></category>
		<category><![CDATA[OUTSIDE THE BOX]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[cut home insurance cost]]></category>
		<category><![CDATA[decrease home insurance]]></category>
		<category><![CDATA[decrease home insurance premium]]></category>
		<category><![CDATA[lower my homeowners cost]]></category>
		<category><![CDATA[lower my homewoners premium]]></category>
		<category><![CDATA[save on home insurance]]></category>
		<category><![CDATA[save on home insurance premiums]]></category>
		<category><![CDATA[save on homeowners premium]]></category>
		<category><![CDATA[tips to prevent loss due to natural disasters]]></category>
		<category><![CDATA[tips to reduce my homeowners insurance]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=674</guid>
		<description><![CDATA[The following insurance tips are from the International Risk Management Institute’s Personal Lines Pilot newsletter. You may use them on<a href="http://www.bddinsurance.com/blog/?p=674">Read the Rest...</a>]]></description>
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		<title>Helpful Tips:  Maximize your 2011 HSA contributions and Minimize Taxes&#8230;</title>
		<link>http://www.bddinsurance.com/blog/?p=648</link>
		<comments>http://www.bddinsurance.com/blog/?p=648#comments</comments>
		<pubDate>Tue, 27 Dec 2011 18:02:33 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Life & Health]]></category>
		<category><![CDATA[OUTSIDE THE BOX]]></category>
		<category><![CDATA[Health Savings Account]]></category>
		<category><![CDATA[how to save on taxes with HSA]]></category>
		<category><![CDATA[HSA]]></category>
		<category><![CDATA[HSA contribution limits]]></category>
		<category><![CDATA[HSA funds]]></category>
		<category><![CDATA[HSA tax savings]]></category>
		<category><![CDATA[HSA tax tips]]></category>
		<category><![CDATA[MAXIMIZE TAX SAVINGS WITH HSA]]></category>
		<category><![CDATA[tax savings with HSA]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=648</guid>
		<description><![CDATA[As 2011 comes to a close, it is important to be sure you are making the most of your Health<a href="http://www.bddinsurance.com/blog/?p=648">Read the Rest...</a>]]></description>
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		<title>Can I Insure the Life of a Key Employee?</title>
		<link>http://www.bddinsurance.com/blog/?p=641</link>
		<comments>http://www.bddinsurance.com/blog/?p=641#comments</comments>
		<pubDate>Tue, 15 Nov 2011 17:47:54 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[Life & Health]]></category>
		<category><![CDATA[how to insure a key employee]]></category>
		<category><![CDATA[Key Employee Life Insurance]]></category>
		<category><![CDATA[key person insurance for businesses]]></category>
		<category><![CDATA[key person life insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[life insurance for a valuable employee]]></category>
		<category><![CDATA[types of business life insurance]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=641</guid>
		<description><![CDATA[&#8220;The loss of a key person can be a major blow to a small business if that person is the<a href="http://www.bddinsurance.com/blog/?p=641">Read the Rest...</a>]]></description>
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		</item>
		<item>
		<title>Federal Aid Programs for New York Disaster Recovery</title>
		<link>http://www.bddinsurance.com/blog/?p=634</link>
		<comments>http://www.bddinsurance.com/blog/?p=634#comments</comments>
		<pubDate>Fri, 07 Oct 2011 20:33:43 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[General Interest]]></category>
		<category><![CDATA[disaster recovery hurricane irene]]></category>
		<category><![CDATA[disaster relief]]></category>
		<category><![CDATA[federal aid hurricane irene]]></category>
		<category><![CDATA[federal disaster relief]]></category>
		<category><![CDATA[FEMA]]></category>
		<category><![CDATA[FEMA NY]]></category>
		<category><![CDATA[hurricane irene recovery aid]]></category>
		<category><![CDATA[natural disaster assistance]]></category>
		<category><![CDATA[ny disaster relief]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=634</guid>
		<description><![CDATA[FEMA&#8217;s Disaster Assistance Program has extended coverage for affected Individuals, Families, and Businesses after a &#8216;major disaster&#8217; declaration in the state of<a href="http://www.bddinsurance.com/blog/?p=634">Read the Rest...</a>]]></description>
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		<item>
		<title>Equipment Breakdown Basics</title>
		<link>http://www.bddinsurance.com/blog/?p=623</link>
		<comments>http://www.bddinsurance.com/blog/?p=623#comments</comments>
		<pubDate>Tue, 13 Sep 2011 15:53:52 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[equipment breakdown]]></category>
		<category><![CDATA[equipment breakdown coverage]]></category>
		<category><![CDATA[equipment breakdown insurance]]></category>
		<category><![CDATA[insurance loss from equipment breakdown]]></category>
		<category><![CDATA[insurance losses from equipment breakdown]]></category>
		<category><![CDATA[what is equipment breakdown?]]></category>
		<category><![CDATA[why do i need equipment breakdown coverage?]]></category>
		<category><![CDATA[why do i need equipment breakdown insurance]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=623</guid>
		<description><![CDATA[Virtually every business, institution and public entity depends on equipment to keep operations going and income flowing. Today, equipment breakdown<a href="http://www.bddinsurance.com/blog/?p=623">Read the Rest...</a>]]></description>
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		<item>
		<title>After the Storm: Loss Prevention after the Hurricane</title>
		<link>http://www.bddinsurance.com/blog/?p=585</link>
		<comments>http://www.bddinsurance.com/blog/?p=585#comments</comments>
		<pubDate>Mon, 29 Aug 2011 15:30:00 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[General Interest]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[hurricane recovery]]></category>
		<category><![CDATA[loss prevention after a storm]]></category>
		<category><![CDATA[post hurricane]]></category>
		<category><![CDATA[prevent insurance claims from disasters]]></category>
		<category><![CDATA[prevent insurance claims from hurricane]]></category>
		<category><![CDATA[protecting my business after a hurricane]]></category>
		<category><![CDATA[protecting my home after a hurricane]]></category>
		<category><![CDATA[what to do after a hurricane]]></category>
		<category><![CDATA[what to do after a storm]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=585</guid>
		<description><![CDATA[When the forecast calls for severe weather, ie: hurricane/tropical storm whirling up the coast, the initial response is to take<a href="http://www.bddinsurance.com/blog/?p=585">Read the Rest...</a>]]></description>
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		<item>
		<title>Hurricane Preparedness&#8230;&#8217;Surviving the Storm&#8217;</title>
		<link>http://www.bddinsurance.com/blog/?p=563</link>
		<comments>http://www.bddinsurance.com/blog/?p=563#comments</comments>
		<pubDate>Thu, 25 Aug 2011 21:00:27 +0000</pubDate>
		<dc:creator>BDD</dc:creator>
				<category><![CDATA[Commercial]]></category>
		<category><![CDATA[Featured Posts]]></category>
		<category><![CDATA[General Interest]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[auto insurance and hurricanes]]></category>
		<category><![CDATA[home insurance and hurricanes]]></category>
		<category><![CDATA[how to stay safe in a hurricane]]></category>
		<category><![CDATA[hurricane coverage]]></category>
		<category><![CDATA[hurricane irene]]></category>
		<category><![CDATA[hurricane irene and my business]]></category>
		<category><![CDATA[hurricane irene and my insurance]]></category>
		<category><![CDATA[hurricane preparedness]]></category>
		<category><![CDATA[hurricane protection for my business]]></category>
		<category><![CDATA[hurricane protection for my family]]></category>
		<category><![CDATA[hurricane safety]]></category>
		<category><![CDATA[keeping safe in a hurricane]]></category>
		<category><![CDATA[preparing for a hurricane]]></category>
		<category><![CDATA[protect my business from hurricane]]></category>
		<category><![CDATA[protect my home from hurricane]]></category>
		<category><![CDATA[protecting my business from hurricane]]></category>
		<category><![CDATA[protecting my house from hurricane]]></category>
		<category><![CDATA[staying safe in a tropical storm]]></category>

		<guid isPermaLink="false">http://www.bddinsurance.com/blog/?p=563</guid>
		<description><![CDATA[If you are like most, the news of the advancing Hurricane Irene makes us think of things like disaster planning. <a href="http://www.bddinsurance.com/blog/?p=563">Read the Rest...</a>]]></description>
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