Google fonts script July, 2021 - White & Associates Insurance

Ingredients

1 cup fork-mashed over ripe bananas (3 medium
bananas should get it)
3 whole eggs (free range is best)
½ cup almond butter (no peanut butter substitute
because peanuts are not Paleo)
¼ cup coconut oil (Melted)
1 tsp vanilla
½ cup coconut flour
½ cup almond flour
2 tsp cinnamon
1 tsp nutmeg
1 tsp baking soda
¼ tsp sea salt
½ cup coarsely chopped walnuts

Instructions

Preheat oven to 350 degrees and line the bottom of your loaf pan with parchment paper. In a large bowl combine first 5 ingredients. Use a hand mixer not a blender. In a separate bowl combine all of the dry ingredients. Add the dry mixture into the banana mixture and mix until well blended. Fold in the walnuts. The batter will be thick, so make sure you spread it evenly when you pour it into the loaf pan. Take a knife and run it through the batter to release any air bubbles because you don’t want any air pockets in the bread. Bake for 50 to 60 minutes or until a toothpick comes out clean when inserted. Cool the bread on a rack until completely cool before slicing.

Note:  The bread will not be smooth looking on the top after baking, but don’t stress.  It is supposed to be irregular in appearance.

 

Dyersburg, TN

White & Associates Insurance is accepting applications for a full-time Account Manager in Dyersburg, Tennessee. The candidate must be comfortable with heavy computer use.  Onsite training will be provided. The position will offer opportunities for career development and advancement.

Established in 1976, White & Associates Insurance is a locally owned and operated insurance agency with 11 locations in West Tennessee, Missouri and Arkansas. White & Associates strives to provide a “doing more” approach to all aspects of operation including enhancing employee job satisfaction, providing clients with innovative insurance packages and improving the communities in which they serve. White & Associates has been named to the national Best Places to Work in Insurance list by Business Insurance magazine four years running.

Candidate Requirements:

Candidates who meet the following requirements will be considered. No prior experience or skill-set is required.

  • Possess strong communication skills
  • Possess strong computer skills including Excel, Word
  • Be customer service minded
  • Be detail oriented
  • Be able to work in a team environment and maintain a positive attitude
Full-Time Employee Benefits Include:

We recognize that our employees are essential to the success of the company. We value each employee and believe that it is our obligation to offer more than just a paycheck. Our company full-time employee benefits include:

  • Major medical insurance, dental insurance, long-term disability, short-term disability and life insurance
  • Company match 401k
  • Rewards health & wellness program
  • Fitness center membership reimbursement
  • Reimbursement for work related certifications and training
  • Highly visible leadership & open-door company culture
  • Incentives for community volunteer work
  • 12 Paid holidays
  • Annual company-wide recognition event
  • 5-Day employee appreciation
  • Employee birthday gifts
To Apply:

Please send resumes to Jan Jernigan, HR Manager, jan.jernigan@whiteins.net [click here]

Boating season is in full swing and Paris, Tennessee could not be happier about it! As you head onto the water this summer, it is important to know how and if you are protected. Below I will briefly explain the different coverage areas that a standard H03 homeowners insurance policy (also known as a special form homeowners insurance policy) entails. There is some coverage in the HO3 form policy for both damage to watercraft and liability for bodily injury or property damage to another party.

 

Damage to Watercraft

Damage to a watercraft is covered if caused by an insured peril but there is a sublimit of $1,500 for “watercraft of all types, including their trailers, furnishings, equipment and outboard engines or motors.” You are limited to $1,500 of coverage for owned and non-owned watercraft for damage caused by a covered peril, with limitations for windstorms, hail and theft causes of loss.

 

Bodily Injury

Although coverage is limited, there is some protection for watercraft liability on the HO3 homeowners form. The HO3 policy defines “watercraft liability” as liability arising out of the ownership, entrustment to others, or failure to supervise or negligent supervision of anyone by an insured involving the watercraft. It also means the maintenance, occupancy, operation, use, loading or unloading, or vicarious liability for a minor by anyone. The policy form excludes watercraft rented to others, used to carry persons or cargo for a charge, or if used for any business purpose. There is also a racing exclusion.

Coverage by type of watercraft

ALL WATERCRAFT IN STORAGE
Liability arising from any watercraft in storage is covered if none of the above exclusions apply.

SAIL VESSELS
Owned or rented sailing vessels are covered if less than 26 feet long. If you do not own or rent the sailing vessel (you are operating a friend’s sailboat or are a passenger), it can be any length.

INBOARD WATERCRAFT
Owned inboard vessels are excluded, no exceptions. Rented inboard watercraft of 50hp or less are covered. Like sailboats, if you do not own or rent the inboard watercraft, there is no liability exclusion here. If you and a friend rent jet skis at the lake, you are covered under the HO3 form only if the jet skis are 50hp or less.

OUTBOARD WATERCRAFT
Any outboard motor-powered watercraft of 25 hp or less is covered, even if owned. Any non-owned watercraft (rented, borrowed, using, riding in, etc.) or any owned watercraft acquired during the policy period is covered regardless of horsepower. For owned watercraft acquired before the policy period, the vessel must be declared at inception of the policy.

 

In Summary

  • The watercraft liability exclusions in the HO3 policy apply mainly to certain owned and rented vessels.
  • Owned watercraft should be insured for both hull and liability coverage under a separate boatowners policy.
  • Boats should always be added to an existing personal umbrella policy.
  • While the liability exposure for the rental of a vessel other than inboard watercraft may be covered, there is limited coverage for damage to the rented watercraft.

 

Jon Dyer
Partner, The Wimberley Agency
Paris – Tennessee

*The information shared above is sourced from the Insurance Journal. The above coverage definitions reference the 2011 ISO HO 00 03 form. In the event of a claim or coverage questions, you always want to carefully read the exact form language in your individual policy.
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