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  <channel>
    <title>Chip Merlin — Articles &amp; Press Archive</title>
    <link>https://chipmerlin.com/blog</link>
    <description>Articles by Chip Merlin and a collection of his press appearances, property insurance commentary, and sailing coverage.</description>
    <language>en</language>
    <pubDate>Fri, 06 Nov 2026 16:45:30 GMT</pubDate>
    <dc:date>2026-11-06T16:45:30Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>The Insurance Industry Teaches Ethics but does it Follow What it Teaches?</title>
      <link>https://chipmerlin.com/blog/2022/04/05/the-insurance-industry-teaches-ethics-but-does-it-follow-what-it-teaches</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2022/04/05/the-insurance-industry-teaches-ethics-but-does-it-follow-what-it-teaches" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Insurance-With-Hands-Protect-A-442961354-1.jpg" alt="The Insurance Industry Teaches Ethics but does it Follow What it Teaches?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span style="font-weight: 400;"&gt;While researching Nevada insurance agency law and duties, I came across a course entitled,&amp;nbsp;&lt;/span&gt;&lt;a href="https://www.propertyinsurancecoveragelaw.com/files/2021/06/Ethical-Issues-in-Insurance-PDF.pdf"&gt;&lt;b&gt;&lt;i&gt;Ethical Issues in Insurance&lt;/i&gt;&lt;/b&gt;&lt;/a&gt;&lt;span style="font-weight: 400;"&gt;. Two points of the course, which seem very relevant to most claims situations, involved the trust that policyholders place with agents and then the trust they place with the companies hoping they will be fully paid when a claim is presented.&lt;/span&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2022/04/05/the-insurance-industry-teaches-ethics-but-does-it-follow-what-it-teaches" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Insurance-With-Hands-Protect-A-442961354-1.jpg" alt="The Insurance Industry Teaches Ethics but does it Follow What it Teaches?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;span style="font-weight: 400;"&gt;While researching Nevada insurance agency law and duties, I came across a course entitled,&amp;nbsp;&lt;/span&gt;&lt;a href="https://www.propertyinsurancecoveragelaw.com/files/2021/06/Ethical-Issues-in-Insurance-PDF.pdf"&gt;&lt;b&gt;&lt;i&gt;Ethical Issues in Insurance&lt;/i&gt;&lt;/b&gt;&lt;/a&gt;&lt;span style="font-weight: 400;"&gt;. Two points of the course, which seem very relevant to most claims situations, involved the trust that policyholders place with agents and then the trust they place with the companies hoping they will be fully paid when a claim is presented.&lt;/span&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2022%2F04%2F05%2Fthe-insurance-industry-teaches-ethics-but-does-it-follow-what-it-teaches&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Tue, 05 Apr 2022 19:19:27 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2022/04/05/the-insurance-industry-teaches-ethics-but-does-it-follow-what-it-teaches</guid>
      <dc:date>2022-04-05T19:19:27Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>Calling in the Big Guns</title>
      <link>https://chipmerlin.com/blog/2021/03/02/calling-in-the-big-guns</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/03/02/calling-in-the-big-guns" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Close-up-of-woman-hands-using-329288674-1.jpg" alt="Calling in the Big Guns" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Knowing when to get help with insurance problems improves the odds of obtaining the best possible settlement&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/03/02/calling-in-the-big-guns" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Close-up-of-woman-hands-using-329288674-1.jpg" alt="Calling in the Big Guns" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Knowing when to get help with insurance problems improves the odds of obtaining the best possible settlement&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F03%2F02%2Fcalling-in-the-big-guns&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Tue, 02 Mar 2021 21:05:06 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/03/02/calling-in-the-big-guns</guid>
      <dc:date>2021-03-02T21:05:06Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>Getting It Right</title>
      <link>https://chipmerlin.com/blog/2021/02/16/getting-it-right</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/02/16/getting-it-right" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-insurance-policy-claim-form-19962329-1.jpg" alt="Getting It Right" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;When filing an insurance claim, accuracy counts&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/02/16/getting-it-right" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-insurance-policy-claim-form-19962329-1.jpg" alt="Getting It Right" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;When filing an insurance claim, accuracy counts&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F02%2F16%2Fgetting-it-right&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Tue, 16 Feb 2021 16:22:54 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/02/16/getting-it-right</guid>
      <dc:date>2021-02-16T16:22:54Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>How Not to Find an Insurance Agent</title>
      <link>https://chipmerlin.com/blog/2021/02/03/how-not-to-find-an-insurance-agent</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/02/03/how-not-to-find-an-insurance-agent" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Cropped-Portrait-Of-Beautiful-335408737-1.jpg" alt="How Not to Find an Insurance Agent" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Independent Insurance Agents &lt;/b&gt;&lt;b&gt;Can Keep You from Getting Burned&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/02/03/how-not-to-find-an-insurance-agent" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Cropped-Portrait-Of-Beautiful-335408737-1.jpg" alt="How Not to Find an Insurance Agent" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Independent Insurance Agents &lt;/b&gt;&lt;b&gt;Can Keep You from Getting Burned&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F02%2F03%2Fhow-not-to-find-an-insurance-agent&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Wed, 03 Feb 2021 01:11:31 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/02/03/how-not-to-find-an-insurance-agent</guid>
      <dc:date>2021-02-03T01:11:31Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>How to Prep Home for Hurricanes</title>
      <link>https://chipmerlin.com/blog/2021/01/28/how-to-prep-home-for-hurricanes</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/28/how-to-prep-home-for-hurricanes" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-A-boarded-up-out-of-season-hou-129983825-1.jpg" alt="How to Prep Home for Hurricanes" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;strong&gt;A Picture is Worth a Thousand Words&lt;/strong&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/28/how-to-prep-home-for-hurricanes" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-A-boarded-up-out-of-season-hou-129983825-1.jpg" alt="How to Prep Home for Hurricanes" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;strong&gt;A Picture is Worth a Thousand Words&lt;/strong&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F01%2F28%2Fhow-to-prep-home-for-hurricanes&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Thu, 28 Jan 2021 18:43:51 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/01/28/how-to-prep-home-for-hurricanes</guid>
      <dc:date>2021-01-28T18:43:51Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>Making Mountains Out of Molehills</title>
      <link>https://chipmerlin.com/blog/2021/01/12/making-mountains-out-of-molehills</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/12/making-mountains-out-of-molehills" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/Merlin-blog-1.png" alt="Making Mountains Out of Molehills" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;What might seem to be a small claim can actually turn into a class-action lawsuit&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/12/making-mountains-out-of-molehills" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/Merlin-blog-1.png" alt="Making Mountains Out of Molehills" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;What might seem to be a small claim can actually turn into a class-action lawsuit&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F01%2F12%2Fmaking-mountains-out-of-molehills&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Tue, 12 Jan 2021 22:02:38 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/01/12/making-mountains-out-of-molehills</guid>
      <dc:date>2021-01-12T22:02:38Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>The Perils of Coinsurance Penalties</title>
      <link>https://chipmerlin.com/blog/2021/01/06/the-perils-of-coinsurance-penalties</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/06/the-perils-of-coinsurance-penalties" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Sad-Depressed-Man-Checking-Bil-363234472-1.jpg" alt="The Perils of Coinsurance Penalties" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Underinsuring your property exposes you to more than loss risk. It could trigger coinsurance penalties.&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2021/01/06/the-perils-of-coinsurance-penalties" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Sad-Depressed-Man-Checking-Bil-363234472-1.jpg" alt="The Perils of Coinsurance Penalties" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Underinsuring your property exposes you to more than loss risk. It could trigger coinsurance penalties.&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2021%2F01%2F06%2Fthe-perils-of-coinsurance-penalties&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Wed, 06 Jan 2021 20:47:35 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2021/01/06/the-perils-of-coinsurance-penalties</guid>
      <dc:date>2021-01-06T20:47:35Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>Will Your Insurance Pay Up?</title>
      <link>https://chipmerlin.com/blog/press-hits/will-your-insurance-pay-up</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/press-hits/will-your-insurance-pay-up" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/site-logo-wcmy-1.png" alt="Will Your Insurance Pay Up?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;December 15, 2020 | WCMY&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/press-hits/will-your-insurance-pay-up" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/site-logo-wcmy-1.png" alt="Will Your Insurance Pay Up?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;December 15, 2020 | WCMY&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2Fpress-hits%2Fwill-your-insurance-pay-up&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Press mentions</category>
      <pubDate>Tue, 15 Dec 2020 19:23:49 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/press-hits/will-your-insurance-pay-up</guid>
      <dc:date>2020-12-15T19:23:49Z</dc:date>
      <dc:creator>Press coverage</dc:creator>
    </item>
    <item>
      <title>A Match Made in Heaven</title>
      <link>https://chipmerlin.com/blog/2020/11/17/a-match-made-in-heaven</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2020/11/17/a-match-made-in-heaven" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Businessman-handshake-during-m-354384851-1.jpg" alt="A Match Made in Heaven" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Finding the right business insurance agent takes work, but the effort will pay off in the event of a loss&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2020/11/17/a-match-made-in-heaven" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/bigstock-Businessman-handshake-during-m-354384851-1.jpg" alt="A Match Made in Heaven" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Finding the right business insurance agent takes work, but the effort will pay off in the event of a loss&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2020%2F11%2F17%2Fa-match-made-in-heaven&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Tue, 17 Nov 2020 20:11:03 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2020/11/17/a-match-made-in-heaven</guid>
      <dc:date>2020-11-17T20:11:03Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
    <item>
      <title>All Fired Up</title>
      <link>https://chipmerlin.com/blog/2020/11/04/all-fired-up</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2020/11/04/all-fired-up" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/Merlin-blog-post-1.png" alt="All Fired Up" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Massive California wildfires proliferate, sparking high-stakes risks for insurance companies&lt;/b&gt;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://chipmerlin.com/blog/2020/11/04/all-fired-up" title="" class="hs-featured-image-link"&gt; &lt;img src="https://chipmerlin.com/hubfs/Imported_Blog_Media/Merlin-blog-post-1.png" alt="All Fired Up" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;&lt;b&gt;Massive California wildfires proliferate, sparking high-stakes risks for insurance companies&lt;/b&gt;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=6137185&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fchipmerlin.com%2Fblog%2F2020%2F11%2F04%2Fall-fired-up&amp;amp;bu=https%253A%252F%252Fchipmerlin.com%252Fblog&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <category>Uncategorized</category>
      <pubDate>Wed, 04 Nov 2020 22:39:29 GMT</pubDate>
      <guid>https://chipmerlin.com/blog/2020/11/04/all-fired-up</guid>
      <dc:date>2020-11-04T22:39:29Z</dc:date>
      <dc:creator>Chip Merlin</dc:creator>
    </item>
  </channel>
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