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Holiday Movie Marathon Essentials: Snacks and Setups for a Perfect Night In

5 Holiday Misconceptions Debunked – Duliban Insurance

The holiday season brings a sense of joy and celebration, but it can also spark confusion about insurance coverage. With the hustle and bustle of shopping, traveling, and entertaining, misconceptions about home, auto, and travel insurance can arise. Let’s debunk some common myths to ensure you’re well-informed and protected this holiday season.   Myth 1: […]
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Holiday Movie Marathon Essentials: Snacks and Setups for a Perfect Night In

Holiday Movie Night Essentials: Snacks & Setups

As the holiday season rolls around, what better way to cozy up and get into the festive spirit than with a holiday movie marathon? Whether you’re into heartwarming classics, animated adventures, or laugh-out-loud comedies, a night spent watching holiday films is a perfect way to relax and unwind. But to make your movie night truly […]
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The Future of Pensions Amidst Changing Demographics

The Future of Pensions Amidst Changing Demographics

Pensions have long been a cornerstone of retirement planning, providing financial security for millions of retirees. However, as demographic trends shift and life expectancy continues to rise, the sustainability of traditional pension systems is becoming an increasingly urgent concern. With an aging population, lower birth rates, and evolving workforce dynamics, future retirees may face a […]
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Garden Sheds, Pools & Backyard Upgrades: Are You Properly Insured?

Garden Sheds, Pools & Backyard Upgrades: Are You Properly Insured?

As the weather warms up, many homeowners start thinking about backyard improvements—whether it’s installing a new pool, building a shed, adding a deck, or even upgrading an outdoor kitchen. These additions can increase your home’s value, enhance your outdoor space, and provide endless enjoyment. But before you start planning your dream backyard, there’s an important […]
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In Workers' Compensation, the reality is that the E-Mod score determines the majority of the annual premium, rather than the non-disputable rates assigned by the NCCI for each class code. Which is to the benefit of savvy companies that understand how the EMOD score works and know how to control it.

Workers’ Compensation Rates Drop, Yet Premiums Remain Unchanged

Misprint? Typo? No. In most purchasing scenarios across America, a favorable rate typically means a favorable price. Consider these everyday examples: A 3.5% interest rate on a mortgage results in lower payments compared to a 4.5% rate. Lower rates on general liability, auto, or home insurance equate to lower annual premiums. Businesses pay less for […]
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Mental Health and Remote Work: Strategies for Staying Connected

Mental Health & Remote Work: Staying Connected

The shift to remote work has brought unprecedented flexibility and convenience, but it has also highlighted the importance of mental health and social connections in the workplace. As employees navigate this new way of working, it’s essential to address the psychological challenges that can arise from isolation and disconnection. Let’s explore the significance of mental […]
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Sustainable Insurance: Supporting a Greener Future

Sustainable Insurance: Supporting a Greener Future

As climate change and environmental concerns take center stage, industries worldwide are rethinking their impact on the planet—including the insurance sector. The rise of sustainable insurance reflects a shift toward greener practices, rewarding policyholders who embrace eco-friendly choices. Whether it’s discounts for energy-efficient homes, incentives for driving electric vehicles, or policies that promote sustainability, insurers […]
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Last Minute Gift Ideas for Holiday Hosts

Last Minute Gift Ideas for Holiday Hosts

As the holiday season swings into full gear, you might find yourself attending a variety of gatherings, parties, and dinners. If you’ve been invited last-minute or simply forgot to pick something up, don’t worry! Showing up empty-handed isn’t an option, but finding a thoughtful, easy-to-find gift doesn’t have to be stressful. In this blog, we’ll […]
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Spring Pest Infestations: Does Your Home Insurance Cover the Damage?

Spring Pest Infestations: Does Your Home Insurance Cover the Damage?

As temperatures rise and nature comes back to life, spring brings more than just blooming flowers and longer days—it also signals the return of pests. Homeowners often face unwelcome visitors like termites, rodents, ants, and other seasonal pests, which can cause structural damage and lead to costly repairs. But when an infestation happens, does your […]
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A school auditorium filled with the sound of music, as students rehearse for a performance that will enchant and inspire. safety protocols for school performances and assemblies.

Safety Protocols for School Performances and Assemblies

School performances and assemblies are exciting opportunities for students, families, and the wider community to come together. However, to ensure a safe and successful event, it’s critical that schools implement clear safety protocols for school performances and assemblies. Without proper planning, these gatherings can introduce risks that endanger both attendees and participants. Proactively establishing safety […]
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