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	<title>Walsh Carter Insurance Blog</title>
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	<description>Self Defense for your home and business</description>
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		<title>Walsh Carter Insurance Blog</title>
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		<title>Data Breach. California&#8217;s new Law</title>
		<link>http://walshcarter.wordpress.com/2011/10/25/data-breach-californias-new-law/</link>
		<comments>http://walshcarter.wordpress.com/2011/10/25/data-breach-californias-new-law/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 19:50:03 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Computer fraud]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Liability insurance]]></category>
		<category><![CDATA[Computer security]]></category>
		<category><![CDATA[Cyberwarfare]]></category>
		<category><![CDATA[Symantec]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=404</guid>
		<description><![CDATA[Data Breach. It’s in the news constantly, and there is much confusion about what it is and how much damage it can cause small businesses. Some of the statistics are staggering, and the false sense of security that the majority of small business have is as staggering. According to a survey completed in 2010 by [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=404&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>When the Lights go Down in the City</title>
		<link>http://walshcarter.wordpress.com/2011/10/18/when-the-lights-go-down-in-the-city/</link>
		<comments>http://walshcarter.wordpress.com/2011/10/18/when-the-lights-go-down-in-the-city/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 20:42:17 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Personal Safety]]></category>
		<category><![CDATA[Light]]></category>
		<category><![CDATA[Light-emitting diode]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=396</guid>
		<description><![CDATA[With fall upon us, and in climate weather around the corner, I thought I would mention a real cheap and effective safety tool that can be used in the home. Many businesses have battery-backed automatic floodlights that illuminate an area when power has been cut to that building. Safety lights are very common in commercial [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=396&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Cost of Managment Liability insurance on the rise</title>
		<link>http://walshcarter.wordpress.com/2011/10/11/cost-of-managment-liability-insurance-on-the-rise/</link>
		<comments>http://walshcarter.wordpress.com/2011/10/11/cost-of-managment-liability-insurance-on-the-rise/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 21:09:00 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=392</guid>
		<description><![CDATA[Just a quick note this time. We have been seeing some pricing increases in Employment Practices Insurance, and Directors and Officers coverage for California businesses.  Rates are increasing, deductible options are being forced higher, and the available marketplace for business in California for these lines are shrinking rapidly.  As recently as 6 months ago, we [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=392&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/10/11/cost-of-managment-liability-insurance-on-the-rise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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		<title>iPhone insurance &#8211; is there an app for that?</title>
		<link>http://walshcarter.wordpress.com/2011/10/04/iphone-insurance-is-there-an-app-for-that/</link>
		<comments>http://walshcarter.wordpress.com/2011/10/04/iphone-insurance-is-there-an-app-for-that/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 21:34:30 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Homeowners insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Insurance policy]]></category>
		<category><![CDATA[IPhone]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=385</guid>
		<description><![CDATA[Now that the new IPhone 4S is here, we can all rush out to purchase the new technology with a new 2 year contract! Among the downsides of locking into a 2 year commitment with your phone company, is what to do if your new phone gets stolen, broken, or accidently flushed down the toilet! [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=385&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/10/04/iphone-insurance-is-there-an-app-for-that/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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		<item>
		<title>Insurance for my Pit Bull?</title>
		<link>http://walshcarter.wordpress.com/2011/09/14/insurance-for-my-pit-bull/</link>
		<comments>http://walshcarter.wordpress.com/2011/09/14/insurance-for-my-pit-bull/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 20:46:53 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Dog Bite Claim]]></category>
		<category><![CDATA[Homeowners insurance]]></category>
		<category><![CDATA[Liability insurance]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=378</guid>
		<description><![CDATA[Just a few weeks ago there was another  tragic loss of life here in California, involving a pit bull attack. We have discussed the prevalence of dog bites, but today we want to discuss insurance implications when you have a dog that is considered a big/problem animal. Most insurance companies will not insure a home [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=378&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/09/14/insurance-for-my-pit-bull/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
		</media:content>

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			<media:title type="html">dog-bite_postman_cartoon</media:title>
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		<item>
		<title>Apartment Building Owners &#8211; beware of dangerous insurance issue!</title>
		<link>http://walshcarter.wordpress.com/2011/02/17/apartment-building-owners-beware-of-dangerous-insurance-issue/</link>
		<comments>http://walshcarter.wordpress.com/2011/02/17/apartment-building-owners-beware-of-dangerous-insurance-issue/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 20:03:38 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Liability]]></category>
		<category><![CDATA[Liability insurance]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=374</guid>
		<description><![CDATA[There have been recent industry comments and opinions indicating that there will be some hardening (increased pricing) in the next three quarters for property and liability insurance. This is usually driven by the reinsurance market (insurance for the insurance companies) and they have been reporting less capacity and larger payouts in some of the worlds [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=374&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/02/17/apartment-building-owners-beware-of-dangerous-insurance-issue/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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			<media:title type="html">new-york-tenements-1912-granger</media:title>
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	</item>
		<item>
		<title>Love is in the Air</title>
		<link>http://walshcarter.wordpress.com/2011/02/14/love-is-in-the-air/</link>
		<comments>http://walshcarter.wordpress.com/2011/02/14/love-is-in-the-air/#comments</comments>
		<pubDate>Mon, 14 Feb 2011 20:32:04 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Auto Liability]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=370</guid>
		<description><![CDATA[According to a recent poll conducted by insurancequotes.com, almost 1/3 of all drivers kiss or engage in some type of romantic behavior while behind the wheel! Interestingly, the number climbs to almost 40%  for college grads and high income drivers. &#160; The poll revealed that over 90% of all drivers that responded participate in some [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=370&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/02/14/love-is-in-the-air/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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			<media:title type="html">1stkissDM2502_468x308</media:title>
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		<item>
		<title>Deny, Deny Deny.</title>
		<link>http://walshcarter.wordpress.com/2011/02/10/deny-deny-deny/</link>
		<comments>http://walshcarter.wordpress.com/2011/02/10/deny-deny-deny/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 19:56:07 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Uncovered Claims]]></category>
		<category><![CDATA[Aetna]]></category>
		<category><![CDATA[Anthem Blue Cross]]></category>
		<category><![CDATA[Blue Shield]]></category>
		<category><![CDATA[Cigna]]></category>
		<category><![CDATA[Kaiser Permanente]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=363</guid>
		<description><![CDATA[Today the Institute of Health and Social -Economic Policy issued a report today that illustrates just how far off track our current Health Care system is. California’s largest, private health insurers rejected 26 percent of all claims –13.1 million — submitted for the first three quarters of 2010, according to new findings by the Institute [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=363&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/02/10/deny-deny-deny/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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		<title>Top 5 Issues likely to impact Workers Compensation rates</title>
		<link>http://walshcarter.wordpress.com/2011/02/10/top-5-issues-likely-to-impact-workers-compensation-rates/</link>
		<comments>http://walshcarter.wordpress.com/2011/02/10/top-5-issues-likely-to-impact-workers-compensation-rates/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 19:28:11 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Workers Compensation]]></category>
		<category><![CDATA[Independent contractor]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[National Council on Compensation Insurance]]></category>
		<category><![CDATA[Workers compensation]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=357</guid>
		<description><![CDATA[With the past few years of workers compensation reform/rate reduction and the shift in focus to the health care reform issues, workers compensation has quietly fallen off the radar screen. However – there are some things to keep an eye on, as these 5 items can and will shape the coming rates. From our vantage [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=357&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://walshcarter.wordpress.com/2011/02/10/top-5-issues-likely-to-impact-workers-compensation-rates/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">walshcarter</media:title>
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			<media:title type="html">workers</media:title>
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		<title>Construction Insurance Pitfalls</title>
		<link>http://walshcarter.wordpress.com/2011/01/27/construction-insurance-pitfalls/</link>
		<comments>http://walshcarter.wordpress.com/2011/01/27/construction-insurance-pitfalls/#comments</comments>
		<pubDate>Thu, 27 Jan 2011 00:30:28 +0000</pubDate>
		<dc:creator>Mark</dc:creator>
				<category><![CDATA[Construction Insurance]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Liability insurance]]></category>
		<category><![CDATA[Uncovered Claims]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Property damage]]></category>
		<category><![CDATA[Sunset provision]]></category>

		<guid isPermaLink="false">http://walshcarter.wordpress.com/?p=350</guid>
		<description><![CDATA[The insurance marketplace for construction liability is still pretty “soft” (read cheap!) and there are still many different carriers offering many different types of general liability policies. We are hearing some grumblings that the market is starting to harden and many of the carriers are trending to move in the direction of Workers Compensation, with [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=walshcarter.wordpress.com&amp;blog=14903904&amp;post=350&amp;subd=walshcarter&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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