March 2012 Newsletter from Insurance Wagon

News and Safety Tips from Insurance Wagon

A monthly summary of news and tips March, 2012

IN THIS ISSUE

Life Insurance

Who is it for, anyway? A few things to consider...

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Whacky Insurance

It isn't just for your car, home or business. Learn about a few of the more bizarre insurance policies.

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Health and Your Home

Your home environment can contribute to your family's overall health.

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Health and Your Workplace

Likewise, small changes around your office can make a difference in your, and your employees' well-being.

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Coming to our blog in March:

Insurance and Coffee

The history of one is inextricably intertwined with the other.

Cloud Computing

The movement to the cloud - for both applications and data storage - brings risks as well as rewards.

More Whacky Insurance

As a follow up to our post on strange insurance policies, we will share a few equally strange insurance claim stories.

Health and Your Food Budget

Eating healthy can do more than benefit your health - it can save you money.

Keep with our news and tips as it 'breaks' and suggest future topics by following us on Facebook.

The casual observer might find it odd to note several articles dealing with health in our blog; but there is a point to all of this. Here at Insurance Wagon Insurance we see insurance as just one component of a broader discipline called risk management and only part of the service we provide.

Other facets of risk management include identifying risk, whether it be in your personal life or business pursuits, and to the extent possible, quantifying the likelihood of an accident or loss happening. Risk management also includes some additional quantification estimates - assessing the cost of an 'average' loss as well as the cost of a 'worst case scenario. These activities are at the heart of a centuries old practice known as underwriting (keep an eye out for our blog post on the history of insurance and coffee for more on this).

Good risk management should identify opportunities to reduce risk - the chance of loss. Doing so can sometimes remove the need for insurance, and at other times, risk management can reduce the cost of any insurance you may ultimately need to purchase, essentially transferring risk to a third party for a smaller fee (the insurance premium).

So in the context of risk management, articles and tips about healthy living aren't so strange. Our job at <Agency Name> is to help you identify and avoid loss in all the various forms it might take - fire, car accident, theft...and illness - and then insure only what really needs to be insured.

We at Insurance Wagon Insurance want to continue to bring you news and information that you find relevant and helpful. We do our best but if you have any questions, feedback or ideas for other articles and videos, please let us know.

Regards,

Paul Lalonde

President

Insurance Wagon Insurance

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