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surveYFIndslessthanhalFoFrentershaverentersInsurancesOurCeallstateinsuranCeCOmPanyAnewAllstatesurveyfoundthatthenumberoneconcernforrentersisredamage.Thesurveyalsorevealedthat54percentofrenterssayitwouldtakethreeormoreyearstoreplaceeverythingtheylostiftheydidnx19thaveinsuranceyetonly45ofU.S.rentershaverentersinsurancepolicytoprotecttheirpersonalpossessionsandcollectibles.PerformcompanycomparisonandbenchmarkinganalysisandreviewnancialdatawithBestx19sInsuranceReportsx13OnlineviaBestLink.DetailedreportsarepresentedonthousandsofpropertycasualtyandlifehealthcompaniesintheUnitedStatesCanadaandaroundtheworld.Learnmoreatwww.ambest.comsalesbir.x1cItx19simportantforrenterstoknowthattheirlandlordx19sinsurancemostlikelywillnotcoverthetenantx19spersonalbelongings.Alandlordmayhavecoveragethatcanhelpcoverthecostofstructuraldamagetothedwellingiftheunexpectedhappensbutrentersmaybefacedwithsignicantreplacementcostsfortheirfurnitureclotheselectronicsandotherbelongingsx1dsaidKeithRutmanvicepresidentofAllstatex19sConsumerHouseholdunit.x1cTheaveragerenterownsabout30000worthofpossessionsandarentersinsurancepolicycanhelpcoverlossesduetocommonperilsliketheftreandsmokevandalismandwaterdamage.x1dArenterx19sinsurancepolicycanhelpreimburseyouforthecosttoliveinahoteloranotherrentalunitifyouaretemporarilyforcedoutofyourrentaldwellingduetorepairs.Renterscanoptforadditionalliabilityprotectionandguestmedicalcoverageincasesomeonegetsinjured.AdditionalndingsfromthesurveyincludeThirty-twopercentofrentersmadetwoormoremajorhouseholdpurchasesinthepasttwoyears.Onlyaboutathirdofrentershavecompletedahomeinventorytocatalogtheirpossessionscomparedto44percentofhomeowners.Twentyvepercentofrentersuseahomesecuritysystemcomparedto44percentofhomeowners.Eighteenpercentofrentershaveacoincollection12percenthaveashoecollectionninepercentcollectjewelryandeightpercentcollectartorpaintings.ThesurveyofAmericansage18andoverwasconductedbyphoneDecember3-62011amonganationallyrepresentativesampleof1000Americanadults.Themarginoferrorforthenationalsampleofresidentsis-3.1percent.ThesurveywasconductedbyFTIConsultingInc.FTIforAllstate.page12APublicationofIndependentInsuranceAgentsofWVcalIperorGanIzatIonalmanaGementWeBInarlIBrarYavaIlaBletoBIGx1cIx1dmemBersNeedtobrushuponhiringskillsNeedadviceonmaximizingtheeffectivenessofyourlimitedstaffWhattohearmoreabouthowcompaniesaremakingitthroughdifculteconomictimesCalipertheBigx1cIx1dendorsedproviderofemployeehiringanddevelopmentresourceshasalibraryofrecordedwebinarsonsuchtopics.Freeandtypicallyanhourindurationtheyfeatureacademicsandbusinessleaderssharingtheirinsightsexperiencesandsecretsforsuccessinachievingpersonalandorganizationalgoals.Belowisasampleofthewebinartopicsavailabletoyou.HowEffectiveLeadersThinkStrategicallyandMakeWinningDecisionsUncoveringtheLeaderWithinHowtoFindYourTrueNorthAreYouReadytoStartHiringHowtoBringontheRightPeopleandMakeSureTheySucceedThe3ThingsYouNeedtoDotoImproveYourManagersandTeamsHowtoGetNewEmployeesUptoSpeedx13FasterLeadingThroughToughTimesHowAreTopCompaniesSellingThroughTheseToughTimesFiveStepstoBuildingTeamsThatDeliverHowtoDeveloptheFutureExecutivesofYourOrganizationWhox19sNextRecognizingandDevelopingHigh-PotentialEmployeesHelpFirst-TimeManagersRealizeTheirPotential