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When you think about MONOLINE AUTO, we want you to think about GMI…. For accounts to initially qualify, we require 5 vehicles and 3 years prior commercial coverage (no new ventures). POPULAR CLASSES TO TARGET FOR OUR AUTO PROGRAM INCLUDE: * Artisan Contractors / Contractors - Contractors performing residential, commercial or industrial contracting services * Manufacturers- Manufacturers which haul their own commodity or product * Distributors - Distributors which haul their own commodity or product * Street, road, and sanitation services including catch basin, sewer, or storm basin clean out * Portable toilet renting, servicing, pumping and cleaning * Seal coating to include interstate highways, state highways, local roads and parking lots * Street sweeping operations * Waste haulers, including construction and demolition material contractors (radius less than 100 miles), less than 20% residential regular route garbage/trash pickup operations. * Pilot/Escort vehicles A list of exposures and operations that are ineligible for our program can be found on the last two pages of my overview. Thank you for your time and please let me know if any questions! Lynise 800-722-3229 ext 237 <o:p></o:p> <o:p></o:p>

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Almost a year after Superstorm Sandy, parts of New York and New Jersey are still recovering from billions of dollars in flood damage. And a new study says that in the future, storms smaller than Sandy may be able to produce similar flood damages due to rising sea levels. “Rising sea levels exacerbate flooding,” says Andrew Kemp, a geologist at Tufts University in Massachusetts. “As sea level rises, smaller and weaker storms will cause flood damage.” Kemp co-authored a study on sea-level change close to New York that was published recently in the Journal of Quaternary Science. Sandy hit New York as a team led by Kemp was researching sea-level change and flooding that had occurred in seven historically damaging hurricanes in New York since 1788. Last October, Sandy’s storm surge hit the coast at high tide, but storm and tidal conditions were not the only cause of the devastation, Kemp says. Seawaters off New York’s coast have risen 16 inches since 1778, the year of New York City’s first major recorded storm, his research shows. To make this determination Kemp and his team studied salt-marsh sediments from Barnegat Bay in northern New Jersey, south of the tide gauge at Battery Park in New York. Using sediment cores, long cylinders drilled into the marsh floor that offer scientists a look back through time, they were able to reconstruct sea-level changes since 1788. Kemp cites two factors for rising seas. One is the natural sinking of land called glacio-isostatic adjustment. A second factor, and one supported by the latest report from the Intergovernmental Panel on Climate Change (IPCC), points to the melting of the ice-covered terrain of Greenland and Antarctic as well as the thermal expansion of ocean waters. Looking forward, Kemp says he sees the possibility of storms less powerful than Sandy inflicting serious damage. He uses a basketball analogy. “It’s like playing basketball and raising the level of the court so that shorter and shorter people can dunk. It makes low lying property and infrastructure more vulnerable at a time when developers are pumping money into coastal cities and towns.” Source: Tufts University Cited from: http://www.insurancejournal.com/news/national/2013/10/21/308737.htm

Would you be surprised to hear that your state is among the most expensive states to own a car? Well if you live in Georgia then you are in the most expensive state to operate a motor vehicle. Oregon would be the cheapest. These costs include: repairs, taxes/fees, gasoline, and Insurance. Surprised?? Well, the actual costs of operating a motor vehicle may shock you as well. In Georgia, a typical driver spends $4,233 per year to operate his or her vehicle. That is almost double the cost in Oregon ($2,204). The national average is $3,201. For every state, Bankrate determined total car-ownership costs using median insurance premiums provided by the National Association of Insurance Commissioners, average repair costs from CarMD.com and average automobile taxes and fees from Kelley Blue Book. Bankrate estimated average gasoline spending using average pump prices from GasBuddy.com. Where does your state rank? To find out see a list of all states and the estimated cost of car ownership for them at: http://www.insurancejournal.com/news/national/2013/08/21/302370.htm