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	<title>Albany Insurance Professional</title>
	
	<link>http://www.ryanhanley.com</link>
	<description>Dropping Insurance Knowledge on Upstate New York</description>
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		<title>But I Just Sent Her Out For Staples</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/koe_6KgnYy0/</link>
		<comments>http://www.ryanhanley.com/2010/03/04/but-i-just-sent-her-out-for-staples/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 19:55:10 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Business Insurance]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=1038</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/03/04/but-i-just-sent-her-out-for-staples/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/03/ibrcman-150x150.gif" class="alignleft tfe wp-post-image" alt="How Are You Supposed to Know What Coverage You Have?!" title="ibrcman" /&gt;&lt;/a&gt;As I stepped into this circle of professionals in all my insurance glory, (ready to get my network on),  I heard a small business owner regale to a collection of his peers this tale of Insurance Horror and Conspiracy...  


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/12/23/dont-get-drunk-on-holiday-fun/' rel='bookmark' title='Permanent Link: Don&amp;#8217;t Get Drunk on Holiday Fun'&gt;Don&amp;#8217;t Get Drunk on Holiday Fun&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/' rel='bookmark' title='Permanent Link: Sue Your Spouse for Bad Driving'&gt;Sue Your Spouse for Bad Driving&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/07/06/insuring-your-small-business-learn-from-a-soap-maker/' rel='bookmark' title='Permanent Link: Insuring Your Small Business, Learn from a Soap Maker'&gt;Insuring Your Small Business, Learn from a Soap Maker&lt;/a&gt;&lt;/li&gt;
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		<slash:comments>1</slash:comments>
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		<item>
		<title>The Fine Art of Annoying Prospects</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/JvQydNhDRLo/</link>
		<comments>http://www.ryanhanley.com/2010/03/02/the-fine-art-of-annoying-prospects/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 15:21:14 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Agency Resources]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[cold calling]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[prospecting]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=1034</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/03/02/the-fine-art-of-annoying-prospects/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/03/annoyed-150x150.jpg" class="alignleft tfe wp-post-image" alt="Your Pitch is Bogus!" title="annoyed" /&gt;&lt;/a&gt;This is one of the many ways that we producers start wars with our prospects and why so many of our prospecting calls die on the vine. 


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/02/10/prospecting-is-the-lifeblood-of-all-businesses/' rel='bookmark' title='Permanent Link: Prospecting Is the Lifeblood of All Businesses'&gt;Prospecting Is the Lifeblood of All Businesses&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/11/18/so-your-agency-wants-to-start-a-blog/' rel='bookmark' title='Permanent Link: So Your Agency Wants to Start a Blog'&gt;So Your Agency Wants to Start a Blog&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/01/06/will-your-insurance-carrier-defend-you/' rel='bookmark' title='Permanent Link: Will Your Insurance Carrier Defend You?'&gt;Will Your Insurance Carrier Defend You?&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;&lt;div class="feedflare"&gt;
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&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/AlbanyInsuranceProfessional/~4/JvQydNhDRLo" height="1" width="1"/&gt;</description>
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		<slash:comments>5</slash:comments>
		<feedburner:origLink>http://www.ryanhanley.com/2010/03/02/the-fine-art-of-annoying-prospects/</feedburner:origLink></item>
		<item>
		<title>You Aren’t Scared of Employment Practices Liability</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/4dfQIY-Dtjo/</link>
		<comments>http://www.ryanhanley.com/2010/02/25/you-arent-scared-of-employment-practices-liability/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 17:05:13 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Business Insurance]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Specialty Casualty]]></category>
		<category><![CDATA[epli]]></category>
		<category><![CDATA[exposure]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[small business]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=1015</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/25/you-arent-scared-of-employment-practices-liability/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/51zvUAnGkXL__SL500_-150x150.jpg" class="alignleft tfe wp-post-image" alt="Your Employees Are Not Your Family and Even If They Were..." title="51zvUAnGkXL__SL500_" /&gt;&lt;/a&gt;In this article O'Shaughnessy states that "Workplace discrimination claims are at an all-time high and small business owners feel vulnerable."  He's right about the fact that workplace discrimation claims are at an all-time but I highly disagree that small business owners feel vulnerable at all!


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/09/04/small-business-respect-employment-practices-liability/' rel='bookmark' title='Permanent Link: Respect Employment Practices Liability'&gt;Respect Employment Practices Liability&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/12/18/economy-changes-lawyers-legal-liability/' rel='bookmark' title='Permanent Link: Economy Changes Lawyer&amp;#8217;s Legal Liability'&gt;Economy Changes Lawyer&amp;#8217;s Legal Liability&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/12/30/respect-the-internet-cyber-liability/' rel='bookmark' title='Permanent Link: Respect the Internet: Cyber Liability'&gt;Respect the Internet: Cyber Liability&lt;/a&gt;&lt;/li&gt;
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Upstate New York Twitters Unite</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/vRciSLN2xfA/</link>
		<comments>http://www.ryanhanley.com/2010/02/23/upstate-new-yorkers-unite/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 14:21:06 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Agency Resources]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[albany]]></category>
		<category><![CDATA[linkedin]]></category>
		<category><![CDATA[Networking]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[twitter]]></category>
		<category><![CDATA[upstate ny]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=999</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/23/upstate-new-yorkers-unite/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/twitter-150x150.jpg" class="alignleft tfe wp-post-image" alt="Love It or Hate It, Twitter is Awesome..." title="twitter" /&gt;&lt;/a&gt;My goal for this posting is simply to connect my Upstate New York brethren.  Since the inception of Twitter Lists in the Fall of 2009 I have been actively adding Upstate New York Twitters to a common list. 


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/10/30/4-reasons-twitter-lists-should-be-a-priority/' rel='bookmark' title='Permanent Link: 4 Reasons Twitter Lists Should Be a Priority'&gt;4 Reasons Twitter Lists Should Be a Priority&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/12/17/blogengage-learn-promote-exchange/' rel='bookmark' title='Permanent Link: BlogEngage: Learn, Promote, Exchange'&gt;BlogEngage: Learn, Promote, Exchange&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/06/09/bni-can-take-your-business-to-the-next-level/' rel='bookmark' title='Permanent Link: BNI Can Take Your Business To the Next Level!'&gt;BNI Can Take Your Business To the Next Level!&lt;/a&gt;&lt;/li&gt;
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		<item>
		<title>Sue Your Spouse for Bad Driving</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/ASFDusWypLg/</link>
		<comments>http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 13:00:52 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Auto Insurance]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Personal Insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[spouse]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=992</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/couple-fighting-150x150.jpg" class="alignleft tfe wp-post-image" alt="A Sign Supplemental Spousal Liability Should Be In Your Future" title="couple-fighting" /&gt;&lt;/a&gt; If your driving causes death or injury to your spouse and they sue you a Standard insurance policy does NOT provide coverage for either the Defense Cost or Award.


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/10/12/higher-liability-limits-save-families-with-teen-drivers/' rel='bookmark' title='Permanent Link: Higher Liability Limits Save Families with Teen Drivers'&gt;Higher Liability Limits Save Families with Teen Drivers&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/07/13/save-money-by-taking-online-defensive-driving/' rel='bookmark' title='Permanent Link: Save Money by Taking Online Defensive Driving'&gt;Save Money by Taking Online Defensive Driving&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/07/23/higher-unemployment-means-more-uninsured-drivers-on-the-road/' rel='bookmark' title='Permanent Link: Higher Unemployment = More Uninsured Drivers'&gt;Higher Unemployment = More Uninsured Drivers&lt;/a&gt;&lt;/li&gt;
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&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/AlbanyInsuranceProfessional/~4/ASFDusWypLg" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		<feedburner:origLink>http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/</feedburner:origLink></item>
		<item>
		<title>Homeowners Policy Limits Bling Coverage</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/WiNMUzdypKQ/</link>
		<comments>http://www.ryanhanley.com/2010/02/19/homeowners-policy-limits-bling-coverage/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 18:48:41 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Personal Insurance]]></category>
		<category><![CDATA[Renter]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[jewelry]]></category>
		<category><![CDATA[renter insurance]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=988</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/19/homeowners-policy-limits-bling-coverage/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/funny_684-150x150.jpg" class="alignleft tfe wp-post-image" alt="Not an Engagement Ring, but Definitely Bling!" title="funny_684" /&gt;&lt;/a&gt;Certain types of personal property have sub-limits on amounts payable upon a loss.  The most commonly seen limitation is the $1,500 restriction on Jewelry, (think Engagement Rings). 


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/02/16/you-may-not-know-you-dont-have-coverage/' rel='bookmark' title='Permanent Link: You May Not Know You Don&amp;#8217;t Have Coverage'&gt;You May Not Know You Don&amp;#8217;t Have Coverage&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/06/18/homeowners-insurance-is-not-enough/' rel='bookmark' title='Permanent Link: Homeowners Insurance is Not Enough'&gt;Homeowners Insurance is Not Enough&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/10/12/higher-liability-limits-save-families-with-teen-drivers/' rel='bookmark' title='Permanent Link: Higher Liability Limits Save Families with Teen Drivers'&gt;Higher Liability Limits Save Families with Teen Drivers&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;&lt;div class="feedflare"&gt;
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&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/AlbanyInsuranceProfessional/~4/WiNMUzdypKQ" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://www.ryanhanley.com/2010/02/19/homeowners-policy-limits-bling-coverage/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		<feedburner:origLink>http://www.ryanhanley.com/2010/02/19/homeowners-policy-limits-bling-coverage/</feedburner:origLink></item>
		<item>
		<title>You May Not Know You Don’t Have Coverage</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/5hdmr_fTltc/</link>
		<comments>http://www.ryanhanley.com/2010/02/16/you-may-not-know-you-dont-have-coverage/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 16:59:58 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Homeowners]]></category>
		<category><![CDATA[Personal Insurance]]></category>
		<category><![CDATA[exposure]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[liability]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[perils]]></category>
		<category><![CDATA[risk]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=949</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/16/you-may-not-know-you-dont-have-coverage/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/home-150x150.gif" class="alignleft tfe wp-post-image" alt="Is All That Stuff Covered?!" title="home" /&gt;&lt;/a&gt;All you loyal insurance shoppers out there that have been with the same carrier for 10, 15, 20 years... You most likely are still on a Broad Form policy. 


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/06/15/protect-your-home-from-water-backup-and-sump-pump-failure/' rel='bookmark' title='Permanent Link: Protect Your Home from Water Backup and Sump Pump Failure'&gt;Protect Your Home from Water Backup and Sump Pump Failure&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/06/09/insuring-your-home-to-value/' rel='bookmark' title='Permanent Link: Insuring Your Home to Value'&gt;Insuring Your Home to Value&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/02/19/homeowners-policy-limits-bling-coverage/' rel='bookmark' title='Permanent Link: Homeowners Policy Limits Bling Coverage'&gt;Homeowners Policy Limits Bling Coverage&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;&lt;div class="feedflare"&gt;
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&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/AlbanyInsuranceProfessional/~4/5hdmr_fTltc" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://www.ryanhanley.com/2010/02/16/you-may-not-know-you-dont-have-coverage/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		<feedburner:origLink>http://www.ryanhanley.com/2010/02/16/you-may-not-know-you-dont-have-coverage/</feedburner:origLink></item>
		<item>
		<title>Prospecting Is the Lifeblood of All Businesses</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/6r50eP5MZks/</link>
		<comments>http://www.ryanhanley.com/2010/02/10/prospecting-is-the-lifeblood-of-all-businesses/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 17:03:44 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Agency Resources]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[prospecting]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=914</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/10/prospecting-is-the-lifeblood-of-all-businesses/"&gt;&lt;img align="left" hspace="5" width="124" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/gold-prospector-124x150.gif" class="alignleft tfe wp-post-image" alt="Yee-Ha!" title="gold-prospector" /&gt;&lt;/a&gt;What is prospecting? Simply put, prospecting is putting new potential customers or new business into your sales pipeline. It's not cold calling, although many people think it is.


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/03/02/the-fine-art-of-annoying-prospects/' rel='bookmark' title='Permanent Link: The Fine Art of Annoying Prospects'&gt;The Fine Art of Annoying Prospects&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/01/12/five-rules-of-agency-automation/' rel='bookmark' title='Permanent Link: Five Rules of Agency Automation'&gt;Five Rules of Agency Automation&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/01/18/branding-your-business/' rel='bookmark' title='Permanent Link: Branding Your Business'&gt;Branding Your Business&lt;/a&gt;&lt;/li&gt;
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&lt;/div&gt;&lt;img src="http://feeds.feedburner.com/~r/AlbanyInsuranceProfessional/~4/6r50eP5MZks" height="1" width="1"/&gt;</description>
		<wfw:commentRss>http://www.ryanhanley.com/2010/02/10/prospecting-is-the-lifeblood-of-all-businesses/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		<feedburner:origLink>http://www.ryanhanley.com/2010/02/10/prospecting-is-the-lifeblood-of-all-businesses/</feedburner:origLink></item>
		<item>
		<title>I Hate This Life Insurance Question</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/tPgNpPJTBnQ/</link>
		<comments>http://www.ryanhanley.com/2010/02/05/i-hate-this-life-insurance-question/#comments</comments>
		<pubDate>Fri, 05 Feb 2010 15:15:55 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Personal Insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[permanent]]></category>
		<category><![CDATA[term]]></category>
		<category><![CDATA[universal]]></category>
		<category><![CDATA[whole]]></category>

		<guid isPermaLink="false">http://www.ryanhanley.com/?p=894</guid>
		<description>&lt;a href="http://www.ryanhanley.com/2010/02/05/i-hate-this-life-insurance-question/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/life-insurance-150x150.jpg" class="alignleft tfe wp-post-image" alt="Life Insurance Makes Babies Happy!" title="life insurance" /&gt;&lt;/a&gt;I hate this question because it perpetuates the misunderstanding that there is some arbitrary coverage amount that will fulfill an individual's needs.


Related posts:&lt;ol&gt;&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/06/18/homeowners-insurance-is-not-enough/' rel='bookmark' title='Permanent Link: Homeowners Insurance is Not Enough'&gt;Homeowners Insurance is Not Enough&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/02/22/sue-your-spouse-for-being-a-bad-driver/' rel='bookmark' title='Permanent Link: Sue Your Spouse for Bad Driving'&gt;Sue Your Spouse for Bad Driving&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2009/07/08/do-you-have-a-what-if-plan/' rel='bookmark' title='Permanent Link: Do You Have a &amp;#8220;What-If&amp;#8221; Plan?'&gt;Do You Have a &amp;#8220;What-If&amp;#8221; Plan?&lt;/a&gt;&lt;/li&gt;
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		<slash:comments>6</slash:comments>
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		<item>
		<title>Performance and Payment Bonds</title>
		<link>http://feedproxy.google.com/~r/AlbanyInsuranceProfessional/~3/CzNpjzt-iHg/</link>
		<comments>http://www.ryanhanley.com/2010/02/02/performance-and-payment-bonds/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 14:47:18 +0000</pubDate>
		<dc:creator>Ryan  Hanley</dc:creator>
				<category><![CDATA[Business Insurance]]></category>
		<category><![CDATA[Construction]]></category>
		<category><![CDATA[Featured Content]]></category>
		<category><![CDATA[bonds]]></category>
		<category><![CDATA[contractor]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[new york]]></category>
		<category><![CDATA[performance bond]]></category>
		<category><![CDATA[surety]]></category>

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		<description>&lt;a href="http://www.ryanhanley.com/2010/02/02/performance-and-payment-bonds/"&gt;&lt;img align="left" hspace="5" width="150" height="150" src="http://www.ryanhanley.com/wp-content/uploads/2010/02/Under_Construction-Guy-150x150.gif" class="alignleft tfe wp-post-image" alt="" title="Under_Construction Guy" /&gt;&lt;/a&gt;Where a Bid Bond ensures the "good faith" of a Contractor's work-bid, a Performance Bond ensures monetary compensation to the client in the event the Contractor fails to finish the project according to the specifications laid out by the contract (most often due to the default or bankruptcy of the contractor).


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&lt;li&gt;&lt;a href='http://www.ryanhanley.com/2010/01/22/contractors-your-work-is-not-covered/' rel='bookmark' title='Permanent Link: Contractors: Your Work is NOT Covered'&gt;Contractors: Your Work is NOT Covered&lt;/a&gt;&lt;/li&gt;
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