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It’s a completely different business model!” he exclaimed. “You need different skills, different people, different systems, different databases. There’s also less psychic satisfaction, less glamor, and less visibility compared to the glamor of the original equipment business. As in ‘I sold ten auto insurance policies today.’ Big deal! Or ‘I sold ten elevator maintenance contracts today.’ Big deal! You don’t get great press notices or win trips to Hawaii for that.” “No,

A San Francisco couple who said their family was destroyed when an Uber driver struck and killed their daughter urged lawmakers Wednesday to increase auto insurance requirements for ride-sharing companies. Ang Jiang Liu and Huan Hua Kuang of San Francisco spoke at a legislative hearing for AB2293 by Assemblywoman Susan Bonilla, D-Concord, which would require ride-sharing companies to cover drivers with commercial insurance policies from the time they turn on the app to the time it's turned off.

When you have a cash cushion to fall back on, you can opt for higher deductibles (the amount you pay before the insurance kicks in) on your auto, homeowners, and other insurance policies. If you think of your insurance policies as safeguards against major catastrophes rather than something that covers smaller expenses, the savings can be huge.

Unhorsing capitalism was never the New Deal’s intent anyway. Especially since the outset of the war, the regime had largely come to agreeable terms with big business interests. It shed most programmatic overtures to universalize the welfare state and extend it into areas like health and housing. Structural reconfigurations of power relations in the economy, long-term economic planning, and state ownership or management of capital investments (commonplace during the war) were all offensive to the new centers of the postwar policy making, what soon enough would be widely referred to as the Establishment. Moreover, the “welfare state,” for all the tears now shed over its near death, was in its origins in late-nineteenth-century Europe a creature of conservative elitists like Bismarck or David Lloyd George, and had been opposed by the left as a means of defusing working-class power and independence, a program installed without altering the basic configurations of wealth and political control. As the center of gravity shifted away from the Keynesian commonwealth toward what one historian has called “commercial Keynesianism” and another “the corporate commonwealth,” labor and its many allies among middle-class progressives and minorities found themselves fighting on less friendly terrain. If they could no longer hope to win in the political arena measures that would benefit all working people—like universal health insurance, for example—trade unions could pursue those objectives for their own members where they were most muscular, especially in core American industries like auto and steel. So the labor movement increasingly chose to create mini private welfare states.

Insuring against losses, however, goes against the grain of the risk principle. It asks people to accept a sure loss (the cost of the policy) rather than to gamble on an uncertain larger loss. Since we like to gamble on losses, this can be a difficult sell. Most insurance companies today avoid this problem by phrasing their messages in the positive. Insurance is now described not so much as a buffer against unpredictable loss but, instead, as a way of protecting the valuables you possess. Even if you don't currently have valuables to speak of, the companies encourage you to insure against losing the good things you're hoping will come your way in the future. Why gamble on losing your hopes? One company advertises: "Whether you want to secure your family's future or safeguard your auto or home, Prudential has the insurance products to help you achieve your goals." A television commercial for another tells us: "Is it possible to secure a dream? At The Hartford, we do just that." Allstate's motto (right below the "good hands" shtick) goes straight for the buzzwords without bothering over sentence structure: "Succeeding today, planning tomorrow." I doubt anybody has the faintest idea what that actually says, but, for a few cents a day, who wants to gamble with success and tomorrow?

Here is your simple solution WITHOUT disqualifying them. Tell them they must give you a copy of their Renters Insurance Policy where the insurance company has the animal listed as additional insured or covered.

Insurance isn't just a policy—it's the peace of mind that comes from knowing you're protected. Whether it's your business, your home, or your car, the right coverage is the foundation of a secure future

some common ones. ◘ Cell phone ◘ Desktop computer login ◘ Laptop login ◘ Bank accounts ◘ Brokerage accounts ◘ Email logins ◘ Mortgage accounts ◘ Other loans ◘ Credit cards ◘ Life insurance policies ◘ Homeowners insurance ◘ Auto insurance

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