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April 16, 2012 is the Fifth Annual National Healthcare Decisions Day. A day created by a coalition of health providers and insurers to remind the public about the critical importance of having advance healthcare planning.

If you do not have any form of advance directive telling your friends and loved ones how to make medical care decisions, you risk losing control of those decisions. “42% of Americans have had a friend or relative suffer from a terminal illness or coma in the last five years and for a majority of these people and 23% of the general public, the issue of withholding life sustaining treatment came up.” We do not like to think about disaster, but planning can ease the burden on us and our family.

The Risk and Insurance Management Society (RIMS) is a great source of information for companies looking to control risk and control business insurance premium costs. The RIMS professional library is a terific way to learn risk and insurance management.

The Society frequently sends me e-mails about product offerings and I do not receive any compensation from RIMS. I mention their publications because I know they are well written and practical.

Workers’ compensation is complicated. It is also mandatory. It is also one area of business insurance where proper preparation and implementation of good company policies can significantly reduce premiums. Often very simple bookkeeping or hiring changes can save 15-20% of premium dollars.

There is this agricultural board in the U.K. called BPEX(British Pig Executive) and it “represents pig levy payers in England. BPEX is focused on enhancing the competitiveness, efficiency and profitability for English pig levy payers and driving demand for English pork and pig meat products in Britain and globally.”

Yeah, I’m not sure I understand all that either.

In honor of Spring, I posted an article about insuring a flower shop.

Whether you own a flower shop or if you yearn to own a flower shop when it starts getting nice outside, always consider the proper business insurance for your business.

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Today is International Women’s Day. A day to reflect upon the role of women in your community and around the world. Google has honored the Day with its own Google Doodle.

According to the organization Women in Insurance & Financial Services (WIFS), “[t]he first recorded women’s organization within the insurance industry was the Women Leaders Round Table, founded in 1936 with its membership based solely on production. It served as a recognition program, which met annually.” That organization grew into MIFS and it is celebrating its 75th anniversary this year. The organization had the honor of ringing The Opening Bell on the New York Stock Exchange on December 27, 2011. The first women’s financial organization to do so.