Saturday, December 31, 2011

Eat This During Winter to Radically Reduce Your Risk of the Cold and Flu

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The 5 Second "Super Spray" 85% of People Need    The 5 Second Super Spray 85% of People Need
In fact, I believe it's the most cost-effective solution for supporting your health. But your doctor probably isn't aware of it, allowing your heart, eyes, bones and muscles to go without the tools they need to keep you in optimal health...*

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Vitamin D Spray
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Eat This During Winter to Radically Reduce Your Risk of the Cold and Flu Eat This During Winter to Radically Reduce Your Risk of the Cold and Flu   Eat This During Winter to Radically Reduce Your Risk of the Cold and Flu
It's not recognized (or priced) as a superfood - but it contains powerful natural medicines, including natural antibiotics. One species has even been shown to enhance immune status in 70-97% of cancer patients...

The Innocent Cooking Mistake that Could Cause Cancer
Make this common mistake and you could unknowingly be adding toxic carcinogenic compounds to your meals - which are fermented into tumor promoting waste products in your large bowel. Animals exposed to this food had a 3-fold increased rate of colon-cancer...

Caution: The "Best Route" to Good Health is Causing 106,000 Deaths/Year   Caution: The Best Route to Good Health is Causing 106,000 Deaths/Year
The medical industry and government health agencies try to pass this off as the "best" route to good health, despite the fact it's been created by the most crime-infested industry on the planet. Don't be fooled - here's proof...
HEALTH RESOURCES CALL TOLL FREE. US Number: 877.985.2695 | Int'l Number: 847.252.4355
Skin Care How to Safely Care for Your Body's Largest Organ...
As your body's largest organ, your skin not only provides a barrier of protection from outside threats -- it also reflects the state of your overall health. Unfortunately, most skin care products contain potential toxins that could be absorbed into your bloodstream and right into your tissues. Good news! Here's the new healthful, USDA certified organic skin care solution that will have people talking about how young and vibrant you look.
Saw Palmetto This Problem Affects More than 90% of Men
It's more than just embarrassing - keeping this healthy is key to supporting optimal urine flow, vitality, and a healthy sex drive.* But here are simple steps you can take to support your health in this area...*
 
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HOT TOPICS
Aspartame  Cholesterol  CLA  Cold and Flu  Drugs  Diabetes  EFT  EMF  Fitness
Food  Fluoride  Fructose  GMO  High Blood Pressure (Hypertension)  Juicing  Nutrition Plan
Nutritional Typing  Pets  Rheumatoid Arthritis  Sleep  Soy  Statins  Sugar  Thyroid
Vaccines  Vitamin D  Water  (View All Topics)
FROM DR. MERCOLA'S LIBRARY

Reconsider Drinking another Glass of Water until You Learn the Disturbing Truth
Professional Perspectives on Water Fluoridation exposes the ongoing dangers of fluoridation in a concise and hard-hitting format. As they outline the science behind fluoridation and the effects it has had on entire generations, a select panel of experts show conclusively why there is no logical or rational reason to continue fluoridating our water supply. I encourage you to watch this DVD to benefit your health and the well-being of your loved ones and our global community.

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Quote of the Day:
People blame their environment. There is only one person to blame - and only one - themselves.
- Robert Collier, 20th Century Author
* These statements have not been evaluated by the Food and Drug Administration.
This product is not intended to diagnose, treat, cure or prevent any disease.
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©Copyright 1997-2011 Dr. Joseph Mercola. All Rights Reserved. Disclaimer: The entire contents of this website are based upon the opinions of Dr. Mercola, unless otherwise noted. Individual articles are based upon the opinions of the respective author, who retains copyright as marked. The information on this website is not intended to replace a one-on-one relationship with a qualified health care professional and is not intended as medical advice. It is intended as a sharing of knowledge and information from the research and experience of Dr. Mercola and his community. Dr. Mercola encourages you to make your own health care decisions based upon your research and in partnership with a qualified health care professional.

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Hoffman Estates, IL 60169

Friday, December 30, 2011

Daily Headlines: Friday, December 30, 2011

Looking for Workers' Comp Markets? Click here for more information.
Insurance Journal Daily Headlines
December 30, 2011
News By Region  National  International  East  Midwest  Southeast  South Central  West Video

Today's Headlines

National

Court Upholds Law Giving Telecom Firms Immunity for Surveillance

A U.S. appeals panel on Thursday upheld the constitutionality of a federal law that grants immunity to telecommunications companies that ...

Is It Time for Permanent Yearly Calendar, Single Time Zone?

Researchers at The Johns Hopkins University have discovered a way to make time stand still -- at least when it comes to the yearly ...

E&O Insights: Enhance Your Errors & Omissions Culture in 2012

As the end of 2011 approaches, this is a good time to reflect upon what went well and what didn't during the year — as well as what ...

Ratings Roundup: Gramercy, Southern Trust

A.M. Best Co. has downgraded the financial strength rating to 'B' (Fair) from 'B+' (Good) and issuer credit rating to "bb" from ...

Despite Losses, Insurers Not Hiking Prices Broadly

Despite more than $100 billion in disaster losses around the world this year, insurers are not yet experiencing a broad and sustained ...

Fire Risk Lower in High-Rise Buildings: Report

Fires in high-rise buildings cause about $230 million in property damage and take more than 50 lives a year. But high-rise buildings tend ...

From MyNewMarkets.com As User-Based Insurance Takes Off, Towers Watson Steers It Globally

When Towers Watson expanded its user-based insurance (UBI) DriveAbility program beyond the United States last month, it wasn't just based on...
Sponsored by: IJ Academy. It's Not Your Father's Property Coverage Course. A 3-Day Training Retreat with Chris Boggs and Maureen Gallagher. Click here for more information.
East

Maryland Court: Premium Financing Firms Overcharged Auto Policyholders

A Maryland court ruled last week that the state's largest premium financing companies were engaged in illegal financing practices against ...

Jay-Z Sued by Workers Compensation Board of New York

Workers Compensation Board of New York filed a lawsuit against rapper Jay-Z for allegedly failing to make workers' comp payments worth ...

New York Unions Sue State Over Retiree Health Insurance Costs

Unions representing state workers in New York have filed a federal lawsuit Wednesday against the Cuomo administration challenging an ...
Midwest

State Auto Financial: Changes to Pooling Agreement Approved

State Auto Financial Corp. has received regulatory approval for proposed changes to the intercompany reinsurance pooling agreement for the ...

Indiana: 2% Fail Job Training Drug Tests

Indiana officials say a drug testing program that started in July for people seeking job training has led to about 2 percent of applicants ...
Southeast

Attempt to Mediate West Virginia Monsanto Suit Fails

Another attempt to resolve a West Virginia class-action pollution lawsuit against Monsanto Co. has failed. Media outlets report that ...

South Carolina Insurance Director Black Resigns

South Carolina is looking for a new insurance commissioner. Eleven months after being nominated for the job by Gov. Nikki Haley, David ...

North Carolina Farm Bureau Weighs Cutback in Homeowners Policies

One of North Carolina's largest homeowners' insurers says it is considering canceling the coverage of up to 70,000 homeowners unless ...
South Central

Texas-Based Barhorst Insurance Group Rebrands as Iscential

Houston-based insurance agency, Barhorst Insurance Group (BIG), announced it is beginning the new year with a new name: Iscential. The ...

Settlement Reached in Elly Mae Clampett Barbie Doll Suit

The actress who played Elly May Clampett on the "The Beverly Hillbillies," toymaker Mattel Inc. and CBS Consumer Products Inc. have ...

6 Years Later, Katrina Victims Fight FEMA Debts

When the Federal Emergency Management Agency mailed out 83,000 debt notices this year to victims of Hurricane Katrina and other 2005 ...
West

Alaskan Volcano Put on Alert

An explosion at a volcano in Alaska caused the U.S. Geological Survey to put out an alert. USGS detected a drifting ash cloud at the ...

Commuter Train Kills Pedestrian On Tracks

A Metrolink commuter train has struck and killed a pedestrian in Southern California. Orange police Lt. Dave Hill told the Orange County ...

Jones Announces Joint Effort to Fight California's 'Underground Economy'

The California Department of Insurance (CDI) is joining with the Department of Industrial Relations (DIR) and other agencies to fight labor ...
International

Guy Carpenter Analyzes 2011 Catastrophes; $108 Billion in Losses

Reinsurance broker Guy Carpenter has examined the past year's natural catastrophes, which it describes as "an unusually eventful year for ...

Breast Implant Scandal Shows Regulators in Dark on Tracking Risks

Long before the latest global breast implant scare, American health officials were toying with the idea of building a registry that would ...

Report: News Int’l. Ups Fund to Settle Illegal Hacking Claims to $155 Million

The British arm of News Corp has increased the legal fund it will use to settle civil litigation cases brought by victims of phone hacking ...

Willis Re Reports Jan. 1 Renewals Focus on Nat Cat Data

An analysis from Willis Re, the reinsurance broking arm of Willis Group Holdings, notes that the majority of this year's catastrophe ...

JLT Subsidiary Acquires Irish Broker FBD Insurance

JLT Insurance Brokers (Ireland) Ltd, a wholly owned subsidiary of the Jardine Lloyd Thompson Group plc, has acquired FBD Insurance Brokers ...

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Swiss Re Chief Economist Analyzes Current Market Conditions

Swiss Re's chief economist Kurt Karl discusses the challenges the insurance industry faces,...
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Interesting Times in Medical Liability

The medical liability market continues to perform well even as the nation struggles to...

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New Discussions in the Forums

Are Insurance Agents Employees or Independent Contractors?
Posted: Fri Dec 30 -- If they are independent contractors, each sales agent would also need to provide the agency with an E & O policy. If they are independent,... LadyBroker
Adding Addtional Insureds
Posted: Thu Dec 29 -- Listen to the advice given below. NEVER request a change to a policy without specific instructions from the policyholder. by ForumReader1 ... Temblor
My CPCU journey - almost finished.....
Posted: Thu Dec 29 -- I earned my CPCU in 1995 under the old 10 part system. Back then all the exams were a 3 hour essay format and were offered only twice per... ForumReader1
Facebook
Posted: Thu Dec 29 -- This is an interesting post as we are in the process of developing a full-time social networking position to create a presence on Linkedin,... jdwebb

Reader Comments

Aon Wins Preliminary Injunction Against Former Exec, Now at Alliant
Posted: Wed Dec 28 -- Aon only has a problem with someone violating a non-compete when it is theirs. They sure didn't have a problem supporting Pat Ryan's raid on... jfk1971
$1.6M Award for Connecticut Man Injured in Icy Road Accident
Posted: Tue Dec 27 -- This is a very bad ruling. I hope they appeal and it gets overturned. Observer
South Carolina State Worker Seeks Free Speech Damages Over Firing
Posted: Tue Dec 27 -- Diversity training rarely allows diversity of thought or opinion, and honest open questions. Just sit there and agree or your are fired. Observer
Esurance Debuts First Ad Campaign Since Being Bought by Allstate
Posted: Tue Dec 27 -- This must make Allstate Agent's real happy. Now they have another major competitor!! If Allstate really had their true wish, there would be... Steve
Former New Mexico Hospital Exec Sued Over Missing $3.2M
Posted: Thu Dec 29 -- Had he been bilking Medicare or Medicaid, he would never have been caught. Fraud and waste in Medicare/Medicaid costs the taxpayers over... Amazed

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December 19, 2011

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New Markets Daily: December 30, 2011

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Sponsored by: Charity First. Insurance for Nonprofits: Social Service Agencies, Nonprofit Insurance, Religious Organizations. Click here for more information.

December 30, 2011

Market Announcements

EquipGuard: Truck Body/Manufacturers/Distributors Insurance

EquipGuard Program covers business of manufacturing, assembling or installing truck equipment or in the specialty vehicle or truck ...
States: All states

Human Clinical Trials

All Phases I-IV, Medical Device Testing, Drug Trials, Available Coverages: Products Liability, ...
States: All states

Commercial Umbrella/Hotels

Umbrella liability for hotels/motels to meet most franchise requirements. Can be monoline or packaged with underlying liability ...
States: All except AK, HI

Demolition Contractors Insurance

Highlights for Medium to Large demolition contractors - Per Job Aggregate/5 Mill. Cap Blanket Additional Insureds ...
States: All except NY

Mold Remediation -FL Condo Associations

Property coverage for the costs to remediate mold from the common elements of a Florida condominium association. Product may be ...
States: FL

Feature Articles

As User-Based Insurance Takes Off, Towers Watson Steers It Globally

When Towers Watson expanded its user-based insurance (UBI) DriveAbility program beyond the United States last month, it wasn't just based on... Read more

Nursing Claims Costs Rise Again After Falling: CNA Study

After a substantial dip in 2009, insurance claims in the nursing profession are costing more. The average total paid per claim is generally... Read more

Insurers Take Multiple Approaches for Multifamily Housing Market

The economy appears to showing some slight signs of improvement, which spells good news for insurers, especially those that insure some of... Read more

Latest Forums

WC - CA 9092

I need to place a Workers Comp policy with a classcode 9092, currently with farmers. Current mod is 123, there was a large claim in ...
by edmundich on Thu Dec 29, 2011

Re: Workers Comp-California

Is it a new venture? what class code are you use? what state? payroll?If you want to send over the Acords, Mod WS and LRs I could ...
by ram on Thu Dec 29, 2011

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Chiropractors and Naturopaths - Are They Dangerous?

Please use this link if you are having problems reading this newsletter: http://articles.mercola.com/sites/current.aspx
ONLY
1 DAY
REMAINING
The 5 Second "Super Spray" 85% of People Need    The 5 Second "Super Spray" 85% of People Need
In fact, I believe it's the most cost-effective solution for supporting your health. But your doctor probably isn't aware of it, allowing your heart, eyes, bones and muscles to go without the tools they need to keep you in optimal health...*

Get FREE SHIPPING on your ENTIRE ORDER!
Vitamin D Spray
ARTICLES RSS
Chiropractors and Naturopaths - Are They Dangerous?
Chiropractors and Naturopaths - Are They Dangerous?
That's what these four groups would like you to believe - despite the fact their own approach causes more deaths every week than those caused by the tragic September 11th terrorist attacks. Before you believe the propaganda - check out these facts...

Kathy Smith Laws to Living Lean   
Fourteen straightforward strategies to get you in the best shape of your life.
HEALTH RESOURCES CALL TOLL FREE. US Number: 877.985.2695 | Int'l Number: 847.252.4355
Complete Probiotics My Secrets for a Healthy and Happy Digestive System*
With 80% of your immune system thriving in your digestive tract, in my opinion, if you could only take one supplement to protect and nourish your system and help keep your waistline trim... this is it.*
Body Butter Winter Skin Restoration that Enhances Your Overall Health
Your skin is your largest organ -- and the most visible! Here's what you should know about supporting radiantly healthy and beautiful skin all year long -- no matter what your skin type.
 
View All Mercola Products View All Products Visit Dr. Mercolas Library Visit Dr. Mercola's Library
HOT TOPICS
Aspartame  Cholesterol  CLA  Cold and Flu  Drugs  Diabetes  EFT  EMF  Fitness
Food  Fluoride  Fructose  GMO  High Blood Pressure (Hypertension)  Juicing  Nutrition Plan
Nutritional Typing  Pets  Rheumatoid Arthritis  Sleep  Soy  Statins  Sugar  Thyroid
Vaccines  Vitamin D  Water  (View All Topics)
FROM DR. MERCOLA'S LIBRARY

Discover the Truth About the Benefits of Sunlight Exposure
I wrote my book, Dark Deception, as a beacon of light to shine on the pack of deceptions the government and big business don't want you to find out about sunlight. You deserve to live the fullest and healthiest life possible, now you can discover the truth.

Follow Dr. Mercola on
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Descubre Mercola en Espanol

Quote of the Day:
Physical fitness is not only one of the most important keys to a healthy body, it is the basis of dynamic and creative intellectual activity.
- John F. Kennedy, 35th President of the United States
* These statements have not been evaluated by the Food and Drug Administration.
This product is not intended to diagnose, treat, cure or prevent any disease.
Subscribe Now Subscribe Now! Unsubscribe Unsubscribe

©Copyright 1997-2011 Dr. Joseph Mercola. All Rights Reserved. Disclaimer: The entire contents of this website are based upon the opinions of Dr. Mercola, unless otherwise noted. Individual articles are based upon the opinions of the respective author, who retains copyright as marked. The information on this website is not intended to replace a one-on-one relationship with a qualified health care professional and is not intended as medical advice. It is intended as a sharing of knowledge and information from the research and experience of Dr. Mercola and his community. Dr. Mercola encourages you to make your own health care decisions based upon your research and in partnership with a qualified health care professional.

Mercola.com Mercola.com
3200 W. Higgins Rd.
Hoffman Estates, IL 60169