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The Bath School Disaster – Information about the dynamite bombing of the Bath, Michigan Consolidated School Building on May 18, 1927 #cushman #insurance


about the Bath School Disaster

On a cool Spring morning in May of 1927 the Treasurer of the Bath, Michigan Consolidated School District fire/dynamite bombed his home and farm collapsed the North half of the school building (having intended to destroy all of it). Within the hour he had committed additional murders in the middle of the village by the suicidal detonation of shrapnel-shrouded explosives that he had packed into his vehicle. Over the following year a total of 46 people would be dead as a result of that day’s mayhem many, many more would be counted among the injured maimed. After 86 years this incident still ranks as the worst instance of school violence in U.S. history.

Join us on Tuesday September 16 at 11:00 am for the dedication of a grave marker for the last (known) victim of the Bath School Bombings. Richard Fritz was the brother of bombing victim Marjorie Fritz was buried at the Mt. Hope Cemetery in Lansing next to his sister. He died just shy of the first anniversay of the bombings from the wounds that he suffered in the blast.

Walter Eugene Eschtruth died on Wednesday March 5th, 2014 in Lansing Michigan. Walter, a second graderin 1927, was one of the few known remaining survivors of the bombings. He eventually graduated from the Couzens School went into careers in farming, tv repair and insurance.

Listed below are links to pages in this and other websites that deal with the events aftermath of that day’s tragedy.
The Victims Brief individual biographies, their burial location available photographs.

Those who survived the event A list of individuals: survivors, siblings, adult family members, rescuers, townsfolk others.

Survivors that are Still Alive Today A list of individuals, survivors or siblings of survivors, that are still living.

The Coroner’s Inquest The transcript of the May 23-25, 1927 Clinton County Coroner’s Inquest. 768Kb

1896 Maps of Clinton County Bath Township

The Bath School Disaster Memorial Park Images from the park at the site of the former Consolidated School building.

Books About the Bombing

  • “The Bath School Disaster”
    A contemporary account of the bombing and the events leading up to it, written by Bath resident Monty Ellsworth. It is available in four formats:

    • Lynx version (no formatting) 127Kb
    • Text Only (2 frames; formatted; no pictures) 200Kb
    • Full Book (2 frames; formatted; text pictures as they appear in the book) 2.6Mb
    • Modem Friendly (4 frames; formatted; text & pictures available on demand)

    Links to related materials websites

  • Arnie Bernstein author

    A non-fiction account of the Bath School Disaster by author Arnie Bernstein is now available. The title is Bath Massacre: America’s First School Bombing . Pricing: $18.95 (paper binding); $50.00 (cloth binding).

    • Arnie’s website:
    • He has a YouTube video promoting the book viewed it by [ CLICKING HERE ]
  • Betty Spencer author

    In early 2008 Mt. Pleasant author Betty Spencer published her book Life Is Fragile: One Girl’s Story of the Bath School Disaster . It is a fictionalized account of what life would have been like for a pre-teen farm girl living outside of the Village of Bath and attending the township’s Consolidated School.

    The book may be ordered online at

    Dewitt Public Library, Local History Collection – available books
    . The Bath School Disaster (1927; Monty Ellsworth)
    . Mayday: The History of a Village Holocaust (1980; Grant Parker)
    – area cemetery records

    Michigan State University, Special Collections – available books
    . The Bath School Disaster (1927; Monty Ellsworth)
    . Mayday: The History of a Village Holocaust (1980; Grant Parker)
    . My Scrapbook on the Bath School Bombing (2002; Gene Wilkins)

    Other Internet Resources

    NPR: Morning Edition feature (April 17, 2009)

    Businesses Organizations

    Sources of books about the bombing

    The Bath School Disaster (1927; Monty Ellsworth)
    . Mayday: The History of a Village Holocaust (1980; Grant Parker)

    • The Bath Township Offices
    • The Bath School Museum

    The cost is $10 for each copy + shipping to your locale

  • . other out-of-print books on the Bath School Disaster

    Schools Local Government

    This site is a featured link of MeL the M ichigan eL ibrary. an ongoing project of the Library of Michigan. the Michigan Library Consortium. We are referenced in the
    Librarian Recommended Websites Best of the Web History General History Resources ” section This website is a personal endeavor. The content herein is solely the responsibility of the site creator.

    Research assistance for this website provided by Gene Wilkins, Ronald Bauerle, James Hixson, David Votta, Arnie Bernstein, Michelle Allen, Sondra Davis, the United States Social Security Death Master Index, Monty Ellsworth’s Bath School Disaster. Harold Burnett’s History of Bath Charter Township. Grant Parker’s Mayday and the staffs of: The Michigan State University Library, the Capital Area District Library, the Library of Michigan, the Dewitt Public Library, the Chesaning City Library, the Owosso branch of the Shiawassee District Library, the Carson City Library, the Bath Township Clerk’s office, the Meridian Township Clerk’s office, the Perry Township Clerk’s office, the Carson City Clerk’s office, the Clinton County Clerk’s office, the City of Lansing Mount Hope Cemetery, Emanuel Lutheran Church – Lansing, the Estes-Leadley Lansing Funeral Chapel, the Gorsline-Runciman Williamston Chapel, Mount Hope Monument Company, Bath Township Police Chief Scott Rose, the Lansing State Journal the Bath Schools Historical Museum.

    California Home Insurance Quotes – Compare and Save Today! #home #insurance #in #california


    California Home Insurance Information

    Located on the West Coast, California is the post populous U.S. state and home to eight of the nation s 50 most populated cities. Since the state is prone to both earthquakes and wildfires, California homeowners should seriously consider the benefits of purchasing some kind of home or residential insurance.

    How Much Does California Home Insurance Cost?

    According to the Insurance Information Institute. in 2010, the average annual premium for homeowners insurance in California was just $939. The best way to get a good value is to compare rate quotes from numerous companies for the same or similar levels of coverage. The California Department of Insurance (CDI) provides several Consumer Information Guides that provide helpful information on homeowner s or residential insurance. The CDI also provides a list of current insurance companies licensed to sell residential insurance in California.

    A variety of factors influence rates in California, including the age of your home, your home’s location in proximity to fire hydrants and fire protection services, your claims history, and how your home is constructed. Older homes generally cost more to insure because they were not built according to modern codes that add greater fire resistance and are more likely to have aging plumbing and electrical wiring, all of which pose additional hazards. Wood frame homes also generally cost more to insure than brick homes because of their increased vulnerability to fire.

    If you are having difficulties finding home insurance companies in California that will sell you a policy because your property is considered “high risk,” the state offers the Fair Access to Insurance Requirements (FAIR) plan. This plan allows California homeowners who have been denied coverage to purchase a basic fire insurance policy for both the structure and contents of their home.

    What Does It Cover?

    Home insurance in California helps protect against financial loss in the event that your home is damaged or destroyed by unforeseen perils named in your policy, such as fire, windstorm, hail, or vandalism. The policies that California residents purchase generally includes liability coverage. which pays for any lawsuits that could result if you, your family members, or your pet causes injury to another person who does not live in your household.

    Do I Have to Get Home Insurance in California?

    Home insurance is not required by law in California. But buying insurance can help protect your house and property against damage from unforeseen circumstances, and liability for accidents that injure other people or damage their property.

    Optional Coverage to Consider

    • Flood. Many homeowners are unaware that flood insurance is typically not included even in the most comprehensive of home insurance policies. California residents in participating communities can purchase flood insurance through the National Flood Insurance Program (NFIP), which is offered through licensed agents or private insurance companies in California in collaboration with FEMA. Your mortgage lender will generally not require you to purchase flood insurance unless you live in a flood plain but that doesn’t mean homes outside of high-risk areas are safe from this peril.
    • Fire and Lightning. While fire and lightning coverage is included in most standard homeowner’s insurance policies, some policies exclude this important protection. Areas of California are particularly at risk of wildfires and firestorms, so it’s important to make sure you are adequately protected from this peril. As recently as 2012, historic wildfires have decimated areas of Southern California, destroying thousands of homes and damaging property.
    • Hazard. The terms hazard insurance and home insurance are often used interchangeably. Hazard insurance may refer to the portion of your policy that protects your home, its contents, and any outbuildings. While hazard insurance is not required by California law, your mortgage lender will generally require you to purchase it to protect their investment. However, the minimum amount of hazard insurance required to satisfy your lender may not be enough to cover you in the event of a natural disaster. Carefully evaluate the policy limits in your dwelling policy and determine if they are high enough to replace your home should the unthinkable happen.
    • Windstorm. Windstorm and hail coverage is included in many standard homeowner’s insurance policies, but may be excluded from coastal areas that are at high-risk of damage from high winds or tropical storms. Read your policy carefully to determine if you will have adequate coverage for severe weather events, and ask your agent if your insurance policy covers associated problems, such as tree and debris removal after a windstorm. You may need to purchase a special policy that covers windstorms and hail.
    • Earthquake. California sits atop some of the most active fault lines in the world, making earthquakes a distinct hazard in the state. However, earthquake insurance is not included in most standard homeowner’s insurance policies. According to the California Department of Insurance. earthquake insurance in California must provide coverage for your dwelling, personal property, and if you occupy the dwelling any additional living. Because of the threat earthquakes pose to homeowners in California, the California Earthquake Authority helps ensure homeowners, mobile home owners, and renters have access to earthquake insurance coverage through participating insurance companies.
    • Replacement Value Coverage. When purchasing homeowner’s insurance, you have the option to replace your home and belongings at actual cash value (ACV), which takes into account depreciation, or at replacement value, which is what it would actually cost to replace your home and belongings (up to the policy limit or a set percentage above your home’s ACV). Replacement value coverage is generally more expensive than ACV coverage, but provides more thorough coverage in the event you lose your home and it needs to be replaced. If you opt to insure your home at market value, you may end up having to pay for what your insurance did not cover out of your own pocket if disaster strikes or otherwise end up settling for a smaller home.
    • Scheduled Personal Property Endorsement. A scheduled personal property endorsement, or personal property floater, is needed if you have certain valuables that require a greater level of insurance coverage. For instance, if you have a collection of fine furs or antiques, guns, or expensive jewelry, you should consider itemizing them on your insurance so that you can adequately recoup their loss if they are lost or stolen. The homeowner will describe these valuables in detail in the policy.
    • Secondary Residence Premises Endorsement. Many California residents own more than one residence, such as a summer home or vacation home. To make sure that your other residence is adequately protected, consider purchasing a secondary residence premises endorsement, which will cover the cost of any damage to the secondary home or its furnishings.

    Mobile Home Insurance in California

    California mobile home or manufactured home policies protect against damage or destruction to your mobile home or its contents as well as theft of its contents and personal liability. Many policies are similar to traditional homeowner’s insurance in that they include liability coverage in the event that you, your family members, or pet causes injury to another person. The California-based Auto Insurance Specialists can save you money by packaging your auto and mobile home insurance policies with a single carrier.

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    Landlords Insurance vs #renters #insurance #vs #homeowners #insurance


    Landlords Insurance vs. Homeowners Insurance

    Landlords insurance is more comprehensive than the usual homeowners policy rider for rented properties.

    If you rent out a home for more than a few weeks each year, you need insurance that protects you in ways your standard homeowners policy does not. Although standard homeowners insurance and landlords insurance both cover damage to, or loss of, your structure, landlords insurance offers greater protection, and it keeps you from taking a hit from income lost while your property is being repaired.

    Landlords Insurance Overview

    The three categories of landlords insurance are DP-1, DP-2 and DP-3. DP-1 is the most basic, providing cash-value coverage for damage due to fire, vandalism, wind, hail and other common perils. DP-2 is more comprehensive but still covers only the perils specifically named in the policy. DP-3 policies offer replacement-cost coverage for all perils not specifically excluded. Coverage applies both to the property’s structure and your own personal property you keep there for tenant use. Landlords insurance doesn’t cover flood damage. The “Insurance Journal” notes that you’ll need to purchase separate flood insurance from the National Flood Insurance Program. It recommends that your tenants protect their personal property with their own flood insurance policies.

    Liability Coverage

    Although you usually can add liability coverage to your homeowners insurance for an extra fee, landlord insurance includes it, and it’s designed for the higher coverage limits landlords need in the event someone is injured on the property. Allstate, for example, expands the typical homeowner add-on for liability to include coverage for legal defense if you’re sued. Experts recommend that landlords have at least $1 million in liability insurance.

    Lost Income

    Homeowners insurance doesn’t cover you for lost income in the event a peril renders your property uninhabitable. Landlord’s insurance does. And, according to, certain insurers offer “landlord protective policies” that cover the breakdown of boilers, furnaces and other equipment. Note, however, that landlords insurance only covers income lost because of a covered peril; it won’t compensate you for vacancies.


    You’ll pay extra for the additional coverage that landlords insurance provides; the cost is 10 to 20 percent higher than homeowners insurance premiums. You could save money by purchasing your landlords insurance through the same company you use for auto and other insurance because insurance companies often discount bundled services. Another way to reduce your premiums is to require that your tenants have renters insurance that protects their personal property and provides liability coverage in case their guests are injured on your property.

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    A.M. Best Financial Strength Rating

    Starr Indemnity Liability Company holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XIV, and an issuer credit rating of “a.”

    Starr Syndicate Limited at Lloyd’s of London holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XV, and a Standard Poor’s rating of “A+” (Strong) (Lloyd’s of London market ratings).

    Effective Date: May 23, 2017

    Starr Surplus Lines Insurance Company holds an A.M. Best financial strength rating of “A” (Excellent), Financial Size Category XV, and an issuer credit rating of “a.”

    Starr International Insurance (Asia) Ltd. holds an A.M. Best financial strength rating of A (Excellent), Financial Size Category XV an issuer credit rating of a.

    Starr Insurance Reinsurance Limited holds an A.M. Best financial strength rating of A (Excellent), Financial Size Category XV, and an issuer credit rating of a.

    2017 Starr Companies. All rights reserved.

    Supplemental Dental Insurance – CarePlus Dental Plans #supplemental #insurance #plan, #supplemental #dental #insurance


    CarePlus SUPPLEMENTAL Dental Insurance

    I have dental insurance but want to pay less out-of-pocket.

    CarePlus SUPPLEMENTAL dental insurance is offered exclusively to patients of Dental Associates that are currently covered by a fee for service (FFS) dental plan. (Have PPO dental insurance? See our ENHANCED dental plan .)

    The CarePlus SUPPLEMENTAL dental plan works with your current dental insurance plan by providing additional coverage to reduce or eliminate out-of-pocket expenses. Even if you exceed your annual dental maximum, CarePlus Supplemental dental insurance continues to provide savings from 20% to 30% depending on the services you require.

    • Covers annual deductibles (up to $60 per person).
    • Reduces co-payments on many procedures.
    • 10-day, risk-free Right to Cancel.
    • No annual maximums.
    • No waiting period.
    • No pre-existing clauses.
    • Orthodontics for all ages.
    • Cosmetic treatment (whitening, implants).
    • Procedures not covered by your fee for service (FFS) dental plan.


    This will provide coverage for a period of (12) twelve months from the effective date of the contract. Upon application approval by CarePlus, you will receive your dental insurance contract and membership card.

    CarePlus SUPPLEMENTAL Dental Insurance

    The chart below displays an example of how CarePlus Supplemental works with an existing dental plan to decrease out-of-pocket expenses for dental services.

    All plans are subject to the terms and conditions of the respective policies.
    * Does not duplicate medical coverage.
    ** Convenient payment plans available.

    Questions about the CarePlus SUPPLEMENTAL dental plan?

    Visit our Frequently Asked Questions page or visit our Savings Calculator to find the dental insurance plan that s right for you and discover the cost-savings for specific dental procedures.

    Call CarePlus Dental Plans at 800-318-7007 to learn how you can save on quality dental care!

    Download our CarePlus brochure

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    Below is a review submitted by a CarePlus member on Google.

    BBB Rating: A+
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    Call 800-318-7007 to save on Wisconsin dental insurance expenses with CarePlus

    Copyright 2017 – CarePlus Dental Plans, Inc. – Dental Associates – All Rights Reserved – Privacy Policy | Site Map

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    Star Health Insurance

    Medi Classic

    • The coverage amount under this insurance is per individual member only.
    • Medi-classic is a policy that provides reimbursement of hospitalization caused due to injuries or illness.

    Know More

    Diabetes Safe

    • Any person between 18 years and 65 years of age who is a diabetic can take this insurance.
    • Guaranteed renewals beyond 65 years.

    Know More

    Senior Citizen Red Carpet

    • Age should be in between 60 years and 75 years of age.
    • Guaranteed renewals beyond 75 years.

    Know More

    Criticare Plus

    • Provides re-imbursement for all injuries and illness plus provides lump sum in case if the insured person is diagnosed with any critical illness.
    • Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time.

    Know More


    • Sum-insured available from 1-5 lakhs for a standard premium of 15,000 only.
    • Coverage for inpatient(Hospitalization) and outpatient treatments both are covered.

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    Super Surplus (ADD ON PLAN)

    • This is an add-on plan which allows you to exhaust your current policy and the surplus could be utilised from this plan.
    • This plan is available for 7 and 10lakhs on a cheap premium.

    Know More

    Cardiac Care

    • Person between 10 years to 65 years who had undergone PTCA (Stenting) or CABG (By-pass) for the first time, within 4 years can buy this policy.
    • Cardiac ailments are covered after 90 days.

    Know More

    Unique Health Insurance

    • This policy is available on individual basis
    • Coverage ranging from 1-3 lakhs.
    • Sub-limits from Rs.50,000 to Rs.1.5 lakhs
    • Premiums charged from Rs.4,900 to Rs.26,540

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    Student Care Insurance

    • Individual Plan
    • 3 years to 18 years (School student)15 years to 25 years (College Students)
    • Sum Insured Range
    • Rs.50000 (School Students)/Rs.75000 (College Students) to Rs.1 lakh (School Students)/ Rs.2 lakhs (College Students)

    Know More


    Family Health Optima

    • Any person between 18 to 65 years of age can take this insurance for their family on floater basis.
    • Cashless hospitalisation at network hospitals with all the day care surgeries covered.

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    Comprehensive Plan

    • Restoration of sum-insured is an unique benefit of this policy with wide range of sum insured from 5-25 lakhs.
    • It is a comprehensive policy without any caps or sub-limits.

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    Family Delite

    • This policy is available for 2 and 3 lakhs only.
    • This policy is suitable for tax deductions as the premium is very cheap.

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    Senior Citizen Red Carpet

    • Age should be in between 60 years and 75 years of age.
    • Coverage for all Pre-existing diseases after 12 months from the date of commencement of first policy.

    Know More

    Wedding Gift

    • Any couple aged between 18 to 40 years residing in India can take this insurance.
    • Renewable up to 45 years.
    • This is on floater basis.

    Know More

    Diabetes Safe

    • Floater policy can be taken only for a family of 2
    • Covers hospitalization for Diabetes and all other aliments including accidents

    Know More

    Criticare Plus

    • Provides re-imbursement for all injuries and illness plus provides lump sum in case if the insured person is diagnosed with any critical illness.
    • Provides for payment of lump-sum amount equal to the sum insured opted if the insured person contracts any one of the Major diseases for the first time.

    Know More


    • Sum-insured available from 1-5 lakhs for a standard premium of 15,000 only.
    • Coverage for inpatient(Hospitalization) and outpatient treatments both are covered.

    Know More

    Super Surplus (ADD ON PLAN)

    • This is an add-on plan which allows you to exhaust your current policy and the surplus could be utilised from this plan.
    • This plan is available for 7 and 10lakhs on a cheap premium.

    Know More

    Star Net Plus Insurance

    • No Age Limit
    • Sum Insured Range Rs. 30,000 to Rs. 50,000
    • Annual Premium Rs. 2500 to Rs. 4,000
    • Medical Screening Required

    Know More

    Care Insurance

    • Individual Family Health Plan
    • Entry Age – 18 years to 65 years (Adults) 2 years to 25 years (Children)
    • Sum Assured – Rs.1,00,000
    • Premium – Single
    • Renewability – Lifetime

    Know More

    Is Cheap Car Insurance Worth It? #cheap, #cheap #car #insurance, #car, #auto #insurance,


    Is Cheap Car Insurance Really Worth It

    Summary: Cheap Car Insurance

    Cheap car insurance can mean poor coverage, bad customer service, and worse. Find out why affordable auto insurance is better for your financial well-being than cheap auto insurance.

    Is “Cheap” Car Insurance Really Worth It?

    When it comes to car insurance, customers typically look to find the best price. However, when it comes to auto insurance policies, cheaper is not always better, and there are a number of reasons why.

    Cheap vs. Affordable Car Insurance

    No matter how you look at auto insurance, the cost is always relative to what coverages and services you receive.

    For instance, there is a big and oftentimes unforeseen difference between “cheap” and “affordable” auto insurance. In other words, you can get cheap car insurance that offers very little coverage, but for a little more money you can find affordable car insurance that offers the protection you need at a lower price than what you are used to paying for.

    In this regard, it is smart to compare rates for low-cost insurance without simply choosing the cheapest option. Picking the cheapest option by default can leave you hanging in the balance if you have to make a claim, or worse, leave you without a car or cash to fix the damage from an accident.

    The Drawbacks to Choosing the Cheapest Option

    As mentioned, there are certain drawbacks to choosing the cheapest car insurance you can find, and many of them can easily be masked by the appeal of a cheap price tag.

    Insufficient Coverage

    One major potential downside to going for the cheapest option is that you may be choosing only the minimum coverages, meaning you’ll face higher risk in the event of an accident.

    For example, if you choose only the required liability insurance required by your state (and no collision or other optional coverage), you’ll only be able to pay for damages to another driver in an accident you cause, meaning you’ll have no insurance for your own costs.

    High Out-of-Pocket Costs

    Also, choosing high deductibles on your auto insurance policy in order to get lower premiums will often leave you with higher out-of-pocket costs at the time of an accident.

    While it’s easy to set up a high deductible in order to get a lower premium because you don’t expect to get in an accident, the reality is it could easily happen. So it’s smart to really assess your budget and set a deductible that you can afford to pay in the event of an accident.

    Poor Customer Service and Claims Support

    When you get the cheapest policy on the market, you may find that the customer service is not there when you need it. Take a look at reviews from customers to try and find out how the company handles claims, customer questions, etc.

    “Cheap Insurance” Scams

    Customers seeking “cheap car insurance” are targets for those running car insurance scams. These scams are frequently disguised as a deal that seems too good to be true. One day, you try to file a claim and find out your insurance never existed.

    In 2011, a fraudulent company in Michigan scammed a large number of auto insurance buyers by offering cheap car insurance that turned out to be fake. Michigan and several other states have begun cracking down on this issue; however, it is ultimatelyyour job to make sure the company you purchase auto insurance from is a legitimate and trustworthy company.

    You should research any company thoroughly before handing over any money or personal information. A good place to start in vetting these car insurance companies is shopping online.

    Warning signs that the insurance company may be fake include the following:

    • The price is significantly lower than the range of prices you’ve seen from other companies.
    • There are typos in the paperwork or advertising from the company.
    • The company requests full payment via cash or money order.
    • An “agent” offers to backdate the new policy.
    • You do not get an insurance ID card.

    Whenever you’re on a website and shopping around for car insurance, make sure their website is secure. especially if you plan to give any personal information (e.g. for a quote).

    If the site’s URL starts with “https” (vs. “http”), it’s secure, meaning you can count on the site to have security measures in place, and you can feel more confident inputting personal information.

    Finding the Best Low-Cost Car Insurance

    When it comes down to it, auto insurance is all about finding the best low-cost option that is not necessarily the cheapest or most minimal. After all, you want to feel adequately protected should something happen.

    Regardless of the price you end up paying, you should look up valid complaints about the insurance company filed with your state’s Department of Insurance to make sure you’re purchasing a plan with good coverage as well as customer service. Insurance Finder

    Join 1,972,984 Americans who searched for car insurance rates:

    Fowler Rodriguez – Lawyer – Law Firm #jacob #insurance



    W. Jacob Gardner, Jr.

    W. Jacob Gardner, Jr. is a partner in the New Orleans office. He litigates a variety of admiralty matters including contract disputes, personal injury and death claims arising under the Jones Act and LHWCA, property damage claims, insurance and indemnity issues, collisions and allisions, arrests and attachments, limitation of liability and cargo claims.

    Outside of the maritime field Mr. Gardner represents insurers and excess insurers in casualty litigation involving catastrophic personal injuries, wrongful death and property damage.

    Mr. Gardner is a member of the Louisiana Bar, and is admitted to practice before all Louisiana State Courts, all Louisiana Federal Courts, the United States District Court for the Southern District of Texas, and the United States Fifth Circuit Court of Appeals.

    Mr. Gardner was born in Covington and resides in New Orleans. He graduated with Phi Beta Kappa and summa cum laude honors from Sewanee: the University of the South with B.A. degrees in Political Science and Spanish. He is also a graduate of the Paul M. Hebert Law Center at Louisiana State University. He served as President of the Student Body at both Sewanee and LSU Law, and was the winner of the Robert Lee Tullis moot court competition at LSU Law.

    • Admiralty and Maritime
    • Maritime and Non-Maritime Personal Injury Defense
    • Insurance Defense
    • Casualty Litigation
    • General Civil Litigation
    • Louisiana State Bar Association
    • United States District Court for the Eastern District of Louisiana
    • United States District Court for the Western District of Louisiana
    • United States District Court for the Middle District of Louisiana
    • United States District Court for the Southern District of Texas
    • United States Court of Appeals, Fifth Circuit
    • B.A. Political Science and Spanish, Sewanee: the University of the South
    • J.D./B.C.L. LSU Law School
    • Louisiana Bar Association
    • Southeastern Admiralty Law Institute ( SEALI )
    • Federal Bar Association
    • New Orleans Bar Association
    • Port Director for New Orleans, SEALI, 2012 – 2013
    • Louisiana Super Lawyers, Rising Star, 2013 2016
    • Recent Developments in the Fifth, Ninth and Tenth Circuits. Southeastern Admiralty Law Institute, 2011
    • Fifth Circuit Affirms Charter Decision. International Law Office, 2015
    • Representation of “blue water” and “brown water” clients in charter party disputes, and against personal injury and property damage claims
    • Representation of excess insurers against claims for catastrophic personal injuries and property damage
    • Representation of offshore drilling contractors in defense and indemnity matters and against personal injury claims
    • Representation of P I Clubs in matters involving vessel arrests and attachments
    • Representation of P I Clubs against personal injury claims arising from exposure to asbestos
    • Representation of insurers against personal injury claims pursuant to the LHWCA and Defense Base Act
    • Representation of trucking interests against automobile liability claims
    • Representation of pipeline operators in claims to recover damages caused by vessel strikes

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    What is Business Insurance?

    Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.

    Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business.

    Major Types of Business Insurance

    General Liability Insurance

    • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

    Commercial Auto Insurance

    • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.

    Commercial Property Insurance

    • Covers risk of loss to an organization s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured s possession. Coverage can be provided on an all risk or specific perils basis.

    Commercial Umbrella Insurance

    • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured’s primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).

    Professional Liability Insurance

    • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors omissions (E O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.

    Business Owner’s Package

    • A Business Owner’s Package (often called a BOP) is an insurance policiy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.

    Workers Compensation

    • Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.

    Group Health Insurance

    • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees.

    Group Life Insurance

    • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

    Group Disability Insurance

    • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

    Supplemental Insurance

    • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

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