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Micronation Benefits and Insurance

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Micronation Benefits and Insurance

Benefits for a Micronation

There are 203 sovereign states in the world today, according to the United Nations. Citizens of these recognized nations enjoy the benefits of accepted, transferrable currency, the freedom to travel with official passports, a government voice in global politics, and more. Micronations are unrecognized country projects and model territory claims that attempt to survive outside of, and often in spite of, the rule of parent countries.

The first formal micronations have been traced back to the 19th century and statehood creation has become increasingly popular since the advent of the internet. Micronations vary so widely that the only true defining link across all groups is the lack of official recognition. Rulers and citizens of micronations face unique challenges, including the lack of conventional passports, unrecognized currency, and the difficulty of finding benefits and insurance for dual citizens.

Explore the wide range of ideologies, locations, legality, size, and tolerance with a list of 5 distinctive micronations below:

  1. Atlantium

Atlantium was originally founded in New South Wales, Australia in 1981 by three teenagers in pursuit of unrestricted international freedoms and personal rights. The politically-based micronation gained support from pledged online citizens from over 100 countries who championed the right to abortion, freedom of movement, assisted suicide, and other foundational rights.

The shape of the state has transformed many times and the micronation now functions as a fully-online, non-territorial claim for dual citizens.

  1. Liberl and

The Free Republic of Liberl and was founded in 2015 by activist Vit Jedlička to claim a 2.7 sq mi wide parcel of disputed l and between Croatia and Serbia. After the dissolution of Yugoslavia, international borders have been widely disputed and the founder raised a flag to claim the uninhabited l and.

With the motto ‘To Live and Let Live,’ the unofficial state is currently accepting applications for citizenship and approximately 30 citizens have been inducted along with a provisional government. Most state business is conducted outside of the claimed region due to the difficulty of border crossing with neighboring parent countries.

  1. Westarctica

Unlike most micronations that are forced to compete with sovereign states for l and claims, Westarctica pursues sovereignty over a parcel of unclaimed l and on western Antarctica. The micronation was founded in 2001 with an established royal government that ruled from abroad.

In 2014, Westarctica shifted its focus and filed to become a legally recognized nonprofit in the state of California. Today, the online citizens and activists campaign against ecocide and polar ice depletion.

  1. Republic of West Who

Inspired by the whimsy and joy of Doctor Seuss, West Who is a micronation in California that stakes claim to .02 acres of l and. The micronation is passionate about space and planet exploration and maintains an active counter-intelligence spy agency.

Stamps and e-passports are the primary source of revenue and the micronation has reported a small budget surplus with no national debt. According to the president, West Who dual citizens have some of the highest GHI (gross happiness index) ratings in the world and the lowest unemployment rates.

  1. Republic of Molossia

Molossia is a decidedly trivial micronation that exists peacefully within the United States and pays taxes to its parent country. President Kevin Baugh founded the nation in 1977 and all three of the tiny claimed territories are under his family homes. Including dogs, there are only 34 citizens and the country’s proposed currency, the valora, hinges on the value of Pillsbury cookie dough.

The micronation is more than 12,000 days into a proposed war with East Germany, even though the country has not existed since 1991. Molossia primarily exists online for profit and amusement with the sale of war bonds, coins, stamps, and merch andise.

Although unrecognized dual (or full) citizenship in a micronation comes with its challenges, there can also be distinct benefits. Susman Insurance offers specialized insurance benefits for micronations with competitive rates and no network restrictions. Custom micronation benefit packages can cover citizens with the following premium services:

  • Life Insurance
  • Health Insurance
  • Travel Insurance
  • Aflac Expense Benefits
  • Savings Plans

 

Benefit packages are available for micronation citizens with open enrollment and we can also help create state-sponsored or state-paid savings plans and insurance programs. Micronation insurance benefits are distinctly different than sovereign states. At Susman Insurance, we underst and and respect your purpose. Get in touch today to learn more about insurance and savings plan options for your citizens with no underwriting.

Reach out to us today!

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Insurance for start-ups

When the calendar flips to a new year, hype explodes over the phrase or phrases like ‘New Year, New You.’  However, for the business minded, the new year – or any time of year – may focus more on ‘New Year, New Start-up.’

From concept to creation, every minute has been spent developing the dream start-up company.  Br anding reflects the mission, products, and services, social media is ready to infiltrate the target market, and the business plan has become a personal member of the family.  The ingenuity, emotion, and finances poured into the start-up creation need to be protected.

It is critical for every start-up to get the proper insurance coverage and should be an immediate priority.  On a foundational level, insurance is necessary to get funding for a new company.  Whether from a bank or private investor, nobody will give a new business financial support without insurance.  Additionally, vendors won’t negotiate or sign contracts for partnerships without the proper insurance and consumers find businesses without proper insurance to be untrustworthy.  Without insurance, your start-up won’t start.

Proper coverage provides protection.  It is a fallacy to think that a new company has nothing to fear or to safeguard.  Insurance protects the business owner, Board of Directors, and the decisions made on behalf of the company.  Start-ups need protection against potential lawsuits from competitors and former employees, and need the assistance provided in the event of loss from fire, theft, or cyber-attack.  The protection provided by insurance as well as why it is needed is an infinite combination specific to each new business.

There are numerous types of insurance coverage necessary for new businesses.

General Liability Insurance– An insurance policy issued to business organizations to protect against liability claims for bodily injury and/or property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.

Commercial Property Insurance – Insurance that covers any type of commercial property, protecting from such things as fire, theft and natural disaster.

Worker’s Compensation Insurance – Coverage that protects employees and the business.  M andatory in many states, worker’s compensation covers lost wages and medical treatment resulting from employee work-related injury or illness, as well as services needed for recovery assistance and the return to work.

Professional Liability Insurance – Also called professional indemnity insurance and more commonly known as Errors & Omissions (E&O) in the US, it is a form of liability insurance that helps protect professional advice and service providing individuals and companies from bearing the full cost of defending.

Directors and Officers Liability Insurance – Often called D&O, this insurance is payable to the directors and officers of a company or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss because of a legal action for alleged wrongful acts in capacity as directors and officers.

Cyber Liability Protection – Insurance that covers liability for data breach in the event customers’ personal information – Social Security or credit card numbers – are exposed or stolen by a hacker or other criminal who gained access to the firm’s electronic network.

The listed types of insurance partner with other coverage to provide the support and protection every new business needs.  Susman Insurance Agency has the experience and capability to determine coverage needed for all facets of a startup business.  A personal approach is used by meeting in person to learn about the unique needs of the business, evaluate risks, and create the perfect insurance coverage plan.  Susman Insurance Agency provides the policies that start-ups need.  While insurance coverage doesn’t guarantee start-up success, it does promise protection and peace of mind.

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Wake Up and Be Successful

I love mornings. Almost everyone in my life tries to do everything they can to avoid waking early the morning. For me, if the sun is up, I am up. I LOVE it!

One of the only other weekly events that gets as bad of a rap as mornings are Mondays. I will never underst and why poor Monday always has to be picked on and bullied – especially when Monday isn’t anywhere the start of the work week for everyone anymore. In an effort to help show Mornings and Monday some love, I wanted to share the highlights of an article I came across called, 5 Ways Successful People Tackle Monday Morning by William V anderbloemen (see link below for complete article).
While measuring success can be subjective, we all want to be successful in some shape or form. We want a successful insurance business, while perhaps you want to be successful at making pizza. It doesn’t matter – we all want it.

Here are some ways to kick start your day right into success mode:

Sleep, but do not snooze – there is no possible way to catch-up on lost sleep so it is important to get the best sleep you can when possible. Sunday night might be your most important night to sleep, so stop running yourself down to fumes and gets some rest. However, when Monday morning rolls around, DO NOT HIT SNOOZE! It tells your body that the wake-up was a joke and those few extra minutes cause more harm than good. Get up the first time and you will be more productive.

Get your body moving – yes, this means getting physical and exercise. This will help motivate you, improve performance, and keep you from falling into a slump – thus more productive and successful!

Don’t start work until you get to work – meaning stay away from work email! At the beginning of the week, you set your mental state and if you maintain focus on projects and devote brain power where it is needed, you will avoid the distractive power of email overload.

Avoid big decisions – don’t suddenly quit a job, project, workout, etc.…or make a huge decision on a Monday. That is not a healthy way to start the week. Wait for Tuesday.

Only schedule tangible result work – Monday should be a day of serious results to start the day and the week off on a successful and productive path. Making a list of attainable goals and project and checking them all off will help motivate your workflow the remainder of the week.

Do you want to be successful? How about giving mornings and Monday ( and the combination of the two) are better try!

LINK:
http://www.forbes.com/sites/williamv anderbloemen/2016/03/13/5-ways-successful-people-tackle-monday-morning/#543b7b887433

Make the Most of Every Morning
Make the Most of Every Morning
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Vacation checklist

Vacation checklist

A vacation is your time to relax and enjoy life.

Use our h andy vacation checklist next time you go away on vacation so your mind can really stay where it belongs – a million miles away.

  • Make sure all electrical appliances are turned off.
  • Clean the refrigerator of all perishable foods, and take out the garbage.
  • Lock all windows and doors.
  • Arrange to have the newspaper and mail held until your return, or have them picked up by a trusted neighbor.
  • Arrange to have your lawn mowed (or snow shoveled) while you’re away. Ask a neighbor to set out your trash on collection day and then retrieve empty cans and recycling bins the same day.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home. It’s a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Never leave your house key hidden outside your home.
  • Set timers on interior lights.
  • Make sure to unplug televisions, computers and appliances susceptible to lightning and power surges.
  • Advise your alarm company and local police if you will be gone for an extended period.
  • Store jewelry and valuable items in a safe-deposit box.
  • Arrange for the care of pets.
  • Set the heating system to provide minimum heat of 55 degrees.
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Catastrophe Response

Catastrophe Response

Ready to help you and
your neighbors immediately

When disaster strikes you need claim support that’s fast, effective and reliable. At Travelers, we make sure we’re there whenever and wherever you need us, helping you recover quickly and get back on your feet.

  • Travelers has hundreds of specially trained catastrophe response experts throughout the country who are prepared to deploy to a disaster site in 24 hours or less, ensuring we’re ready to help wherever and whenever a catastrophe strikes. Our Enterprise Response strategy enables us to deploy additional claim professionals and support staff from other offices across the country. Learn more »
  • Customers can report losses any time, day or night, online or via our call centers.
  • Our mobile claim offices—custom-built RVs—travel directly to affected communities, so claim specialists can immediately respond to your needs. Once on site, they’ll help you file your claim and plan next steps .
  • Our catastrophe management center allows us to coordinate response activities in a controlled environment away from the disaster area.
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Pool safety

Pool safety

Every year about 43,000 people are injured in and around swimming pools and more than 600 people drown in home or public pools. Half of the pool fatalities occur in the yards of single-family homes. Here are some pool safety tips you
should follow:

  1. Never leave small children unsupervised—even for a few seconds.
  2. Put fencing around the pool area to keep people from using the pool without your knowledge.
  3. Keep children away from pool filters, as the suction force may injure them or prevent them from surfacing.
  4. Be sure all pool users know how to swim. Learners should be accompanied by a good swimmer.
  5. Don’t swim alone or allow others to swim alone.
  6. Check the pool area regularly for glass bottles, toys or other potential accident hazards.
  7. Keep CD players, radios and other electrical devices away from pools or nearby wet surfaces.
  8. Don’t allow anyone who has been drinking alcohol to use the pool.
  9. Stay out of the pool during rain or lightning storms.
  10. Never dive into an above-ground pool, and check the water depth before plunging into an in-ground pool. Keep clear of the area near a diving board.
  11. Don’t swim if you’re tired or have just finished eating.

Source: Insurance Information Institute; www.iii.org

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Lawnmower safety

Lawnmower safety

Each year, approximately 75,000 people are injured seriously enough by lawnmowers to require emergency room medical treatment. Only a small percentage of the injuries are caused by mechanical failure; most are the result of human error.

Here are some tips to follow before and while mowing your lawn:

Become familiar with your mower.

Read the owner’s manual before using the mower for the first time. Note all safety and operating instructions. Learn the controls well enough to act instantly in an emergency and to stop the machine quickly.

Proper clothing is essential to protect your body from harm.

Always wear non-slip shoes instead of tennis shoes or s andals. Steel-toe safety footwear offers the most protection against the blade. Long pants help protect your legs from objects that may be thrown from under the mower. Use ear plugs to prevent hearing loss caused by exposure to the high noise levels.

Never leave a mower running unattended.

A mower left running unattended can be fascinating to a child. If the mower has an electric start, the key should never be left in the ignition.

Always start the mower outdoors.

Never operate a mower where carbon monoxide can collect, such as in a closed garage, storage shed or basement.

Police the area.

Before you start mowing, be sure the lawn is free of tree limbs, rocks, wires and other debris, which can get caught up in the blades.

The main source of danger is the blade.

To perform its task efficiently, the mower blade must be sharp and travel at a high speed. If a h and or foot gets under the mower while the engine is running, it can cause serious injury. Never attempt to unclog or work on a lawnmower while the engine is on.

Disconnect the sparkplug wire.

Any time it is necessary to reach under the mower, disconnect the spark plug wire to ensure that the engine cannot start. It takes a little extra time, but not as long as it does to recover from a serious injury.

Check for frayed or cut wiring.

When using an electric lawnmower, wires can easily get cut by the blade. Keep an eye on the wiring as you move the mower and check for frayed or cut wiring every time you mow.

Source: Insurance Information Institute; www.iii.org

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Prepare for a weather emergency

Prepare for a weather emergency

Preparing For Winter Emergency

What to do before a storm
What to do after a storm

What to do before a storm

Protect your property

  • Ensure that your property is protected to the fullest extent possible:
    • Install storm shutters in wind-prone areas.
    • Secure or store outdoor furniture and loose items.
    • Trim tree branches that are close to the structure; remove dead trees or limbs.
    • Reinforce garage doors.
  • Inspect and replace caulking and weather stripping around doors and windows.
  • Be sure you have a copy of your insurance policy and an inventory of the property and contents in a safe place.

Protect Yourself and your Family

  • Be sure you have these items on h and:
    • Battery-operated radio and flashlights with fresh batteries.
    • Supply of bottled water and non-perishable food.
    • Blankets and clothing.
    • First aid kit and any necessary prescription medications.
  • If you’re in an area prone to power outages, consider purchasing an auxiliary generator.
  • Familiarize yourself with evacuation routes, and if asked to evacuate, do so.
  • Be certain your car is in good working order and the tank is full.

What to do after a storm

  • Make sure all family members are safe. Listen to the radio for public service announcements. If evacuated, do not return to your home until authorized to do so. If at home, wait for the “all clear” announcement before venturing outside.
  • Don’t touch downed power lines; assume they are live no matter how long they have been down.
  • Check for gas leaks. If you smell gas, leave immediately and call the utility company from a neighbor’s house.
  • Don’t try to move large trees or branches that have fallen on your home. You could hurt yourself and possibly increase the damage to your home.
  • Cover broken windows or holes in walls or roofs to prevent further damage.
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Are there any common misconceptions about tornadoes?

Are there any common misconceptions about tornadoes?

Do not open a window to try to “equalize the pressure.” Doing so may actually pressurize the house and can cause the roof to be torn off. Also, underst and that tornadoes are not always visible from a distance; rely on a weather radio as an information resource. Although tornadoes are usually spawned by thunderstorms, they have been known to occur without lightning. They can cross a river or another body of water. Finally, tornadoes are not confined to “tornado alley.” Tornadoes can occur anywhere, at any time.

Susman Insurance Agency

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