A number of home and business owners hit by the massive weekend storm in the Northeast are discovering yet another type of coverage they didn't know they needed -- sewer-backup insurance.

As flood waters and runoff overwhelmed many sewer systems in New Jersey, New York, Massachusetts, Connecticut and elsewhere, sewage backed up in residents' bathrooms and basements. But some property owners there are learning that they aren't covered for backed-up sewage, just as many learned after 2005's Hurricane Katrina that they weren't covered by homeowner insurance ...

With the spring thaw here and the hurricane season to come, Ohio Department of Insurance Director Mary Jo Hudson is urging Ohioans to plan for emergency situations by reviewing their insurance policies to determine whether they are adequately covered...

Choosing the right insurance to protect your business from potential disaster should rank alongside selecting a location or buying office equipment as among the most critical decisions a business owner has to make. Unfortunately, too many small business owners are so intimdated by the prospect of having to wade offers, coverage options, and the specter of high premiums that they put insurance decisions off, or simply follow the recommendation of the insurance broker-often without understanding the details of the coverage they end up receiving...

Complaints and criticism are rampant: You're always late. We never have enough money. I just can't lose weight. Why do I always have to discipline the kids? My boss is driving me crazy.

Negativity is the off-color language that permeates our music and television, politics and business, schools and homes. It is almost impossible...