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<BODY link="#000000" vlink="#000000" alink="#000000" bgcolor="#FEFEF1"> <TABLE width="100%" border="0" cellspacing="0" cellpadding="0"> <TR> <TD width="150" valign="top"> <DIV align="center"> <TABLE width="132" border="0" cellspacing="10" cellpadding="10"> <TR> <TD> <DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><U><A href="../index.htm">Home</A></U></FONT> </DIV> </TD> </TR> <TR> <TD> <DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><A href="../about_us/index.htm">About Us</A></FONT></DIV> </TD> </TR> <TR> <TD> <DIV align="center"><FONT face="Arial, Helvetica, sans-serif" size="2"><A href="../contact_us.htm">Contact us </A></FONT></DIV> </TD> </TR> <TR> <TD height="36"> <DIV align="center"><FONT size="2" face="Arial, Helvetica, sans-serif"><U><A href="../legal.htm">Disclaimer</A></U></FONT></DIV> </TD> </TR> </TABLE> </DIV> </TD> <TD valign="top" align="center" width="647"> <P> <P align="left"><font face="Arial, Helvetica, sans-serif" size="4" color="#666666"><b>InsuranceServices.com</b></font> <hr> <div align="right"><font size="1" face="Verdana, Arial, Helvetica, sans-serif" color="#999999">H o r e n b e r g   I n s u r a n c e   S e r v i c e s,  I n c. &nbsp</font> </div> <P align="left"> </P> <TABLE width="72%" border="0" cellspacing="0" cellpadding="0"> <TR> <TD> <DIV align="left"> <DIV align="left"> <DIV align="left"> <DIV align="left"> <DIV align="left"> <DIV align="left"> <TABLE width="100%" border="0" cellspacing="0" cellpadding="0"> <TR> <TD height="24" valign="bottom"><FONT face="Arial, Helvetica, sans-serif" size="2"><B>Business Insurance</B></FONT></TD> </TR> </TABLE> <TABLE width="350" border="0" cellspacing="2" cellpadding="2" align="center"> <TR> <TD width="5" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/index_cl.htm">Report a Claim</A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/business_claim_tips.htm">Property Claim Tips</A> </FONT></B></TD> </TR> <TR> <TD width="5" valign="top" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../workers_comp/index.html">Workers Compensation Laws</A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/business_auto_tips.htm">Auto Claim Tips</A></FONT></B></TD> </TR> <TR> <TD width="5" valign="top" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../resources/d_and_o_faqs.htm">Directors and Officers FAQs</A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../forms/request_business_quote.htm">Request a Quote</A></FONT></B></TD> </TR> </TABLE> <TABLE width="100%" border="0" cellspacing="0" cellpadding="0"> <TR> <TD valign="bottom" height="36"><FONT face="Arial, Helvetica, sans-serif" size="2"><B>Personal Insurance</B></FONT></TD> </TR> </TABLE> <TABLE width="350" border="0" cellspacing="2" cellpadding="2" align="center"> <TR> <TD width="5" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/index_pl.htm">Report a Claim</A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/homeowners_tips.htm">Property Claim Tips</A> </FONT></B></TD> </TR> <TR> <TD width="5" valign="top" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../resources/consumer_faqs.htm">Consumer Insurance FAQs </A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/personal_auto_tips.htm">Auto Claim Tips</A></FONT></B></TD> </TR> <TR> <TD width="5" valign="top" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../sri/index.htm">Travel Insurance </A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../forms/request_individual_quote.htm">Request a Quote</A></FONT></B></TD> </TR> </TABLE> <TABLE width="100%" border="0" cellspacing="0" cellpadding="0"> <TR> <TD valign="bottom" height="36"><FONT face="Arial, Helvetica, sans-serif" size="2"><B>Life and Health Insurance</B></FONT></TD> </TR> </TABLE> <TABLE width="350" border="0" cellspacing="2" cellpadding="2" align="center"> <TR> <TD width="5" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../group/index.htm">Group Health Contacts</A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../claims/health_claim_tips.htm"> Claim Tips</A> </FONT></B></TD> </TR> <TR> <TD width="5" valign="top" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD width="175" height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../life/index.htm">Life Insurance FAQs </A></FONT></B></TD> <TD width="10" height="24"> <DIV align="right"><B><FONT size="1" face="Arial, Helvetica, sans-serif">•</FONT></B></DIV> </TD> <TD height="24"><B><FONT size="1" face="Arial, Helvetica, sans-serif"><A href="../forms/fsd_reply_form.htm">Request a Quote</A></FONT></B></TD> </TR> </TABLE> <P> </P> <HR size="1" 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