Today is World Osteoporosis Day. Osteoporosis is a disease where the bones lose their density and become weak, leading to painful fractures.

Every three seconds, a bone will break somewhere in the world as a result of the disease. That’s 20 bones a minute. Or 1,200 in an hour. Clearly, awareness needs to be raised. Because osteoporosis is a largely preventable condition.

That’s what World Osteoporosis Day is for. In fact, World Osteoporosis Day kicks off a year-long campaign aimed at helping to prevent the disease, which the International Osteoporosis Foundation argue can be done with three simple lifestyle steps.

2) Regular weight-bearing exercise. Put

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As the OFT announced on Thursday an investigation into soaring car insurance premiums – 30 per cent higher across the board over the last year, according to the AA – evidence suggests motorists are embracing new technology as a way to cut the cost of cover.

Telematics uses an in-car box that records and analyses our driving styles and provides information that can be used to personalise premiums. Several insurers are introducing telematics to encourage younger drivers in particular to drive less aggressively and earn reduced premiums as a result. The logic is simple: careful drivers make better insurance risks.

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Willis has joined forces with Lloyds insurer, Kiln, to launch a policy aimed at reducing the risks faced by hoteliers, given that bad news travels fast in the world of new media.

According to the broker, illnesses such as Norovirus, which is responsible for about 90% of serious stomach upsets, and Legionnaire’s disease, a lung infection caught from contaminated water, can ruin a hotel’s reputation and balance sheet, overnight.

Fatalities or serious injuries among guests are also likely to lead to empty rooms.

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If you are a small business owner then you have liability insurance, right? The reason I ask this is because as a small business owner you can’t afford to battle a lawsuit when you have a business to run. The problem that a lot of small business owners have is they don’t know what their liability insurance is even covering. If you don’t know what your insurance is covering then you need to go back through your insurance policy because that is where it will give you all of this information.

One of the benefits of liability protection for small businesses is that they will not have to pay for damages out of their own pocket. The m Full Post…

Rhoda had been with us on our Commercial Lines Team since September of 2006. A former resident of Hawaii, she brought with her over 30 years work experience in the financial industry, and a 9 year history in insurance.

Her sense of humor and penchance for good food will be missed. We wish her the best in her retirement, and hope she enjoys every day to the fullest. Carpe diem, Rhoda!

We’re excited to introduce Rhoda’s replacement, Sharon Walker. Her 9 years handling claims for Safeco, and 6 years Commercial Lines experience has made it a simple, smooth transition into working at Balcos Insurance.

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One of our favorite bloggers, Jaan Sidorov of the Disease Management Care Blog, hosted this weeks Cavalcade of Risk and it appears that hes well prepared for Armageddon after reviewing all the entries.  This entry about mortgage life insurance is a good one for people considering such a product or really, most any very specific life insurance policy that only covers a particular debt, like your car loan, mortgage, or credit card balance.

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