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From: "Sharon Ezra" <info@grandmutual.com>
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https://grandmutual.com/

February 2024 Newsletter

https://grandmutual.com/demystifying-general-liability-insurance-for-contra=
ctors/

Demystifying General Liability Insurance for Contractors

Contractors, construction companies, debris removal services, and freelance=
rs who work in the construction industry need general liability insurance t=
o protect themselves from liability in the event of an accident or mishap. =
Most states require contractors to carry this form of insurance. Moreover, =
many potential customers won't hire contractors that don't carry this polic=
y, especially for large jobs. A general liability policy shows customers th=
at you're serious about their safety and wellbeing, and able to provide com=
pensation in the event a mishap occurs on the job site.

What does General Liability Insurance Cover?

General liability insurance covers specific risks common to the constructio=
n industry. One of the most important forms of coverage is bodily injury co=
verage. If, for instance, your customer has a bad fall while looking over t=
he job site, bodily injury coverage will pay for the customer's medical bil=
ls. It will also cover legal costs if the customer decides to take you to c=
ourt over the matter. However, it won't cover any injuries your workers may=
 incur while working on a job site. You'll also need a worker's compensatio=
n insurance policy to cover your employees in the event of an accident.

https://grandmutual.com/demystifying-general-liability-insurance-for-contra=
ctors/ Click Here to Continue Reading

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ABOUT GMIS Grand Mutual Insurance Services (GMIS) is a full-service insuran=
ce agency that offers comprehensive personal and commercial coverage for in=
dividuals and companies of all sizes. Insurance solutions are customized to=
 meet the needs of our diverse client base, enabling them to protect their =
assets.Our goal is to find you the absolute best insurance options at highl=
y competitive prices, while maintaining the level of personalized service o=
ur clients expect and deserve.

=20
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mailto:info@grandmutual.com?subject=3DGMIS%20-%20January%202024%20Newslette=
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http://www.peakcorp.com

Copyright =C2=A9 2023 Grand Mutual Insurance Services. All rights reserved.
CA Insurance Lic. #OH85372 / National Producer #16632746

Our mailing address is:
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You are receiving this email as a current or former client of Grand Mutual =
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ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
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se;" valign=3D"top">

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r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
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kit-text-size-adjust: 100%;" width=3D"100%">
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t" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
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lvetica neue, helvetica, arial, sans-serif" style><font style><b style><fon=
t style=3D"font-size: 16pt;"><span></span><span></span></font></b></font></=
font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
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ce=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><font style=
><b style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"></fo=
nt></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-=
size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-alig=
n: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif"=
 style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0, =
0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(0, 0, 0);"></font></font></font></b></font></font></p><p style=3D"=
font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin:=
 0;line-height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue=
, helvetica, arial, sans-serif" style><font style><b style><font color=3D"#=
000000" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"></font></font></=
font></font></b></font></font></p><p style=3D"font-family:Arial,verdana;fon=
t-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-al=
ign: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-seri=
f" style><font style><b style><font color=3D"#000000" style=3D"color: rgb(0=
, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"color: rgb(0, 0, 0); font-size: 18pt;"></font></font></font></f=
ont></font></b></font></font></p><span><h1 style=3D"margin: 0;padding: 0px;=
font-family:Arial, Helvetica, sans-serif; color:#000000;color:#000000; font=
-weight:normal;font-family:Arial,verdana,Helvetica, sans-serif; color:#0000=
00;font-size: 28px;"><font style=3D"font-size: 18pt;"><b>Demystifying Gener=
al Liability Insurance for Contractors</b></font></h1></span><p style=3D"fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;line-height: 19pt; text-align: left;"><font face=3D"lato, helvetica neue, =
helvetica, arial, sans-serif" style><font style><b style><font color=3D"#00=
0000" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial,=
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Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 18pt=
;"></font></font></font></font></font></b></font></font></p><p style=3D"mar=
gin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000=
;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p=
><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style><f=
ont style><b style><font color=3D"#000000" style=3D"color: rgb(0, 0, 0);"><=
font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, =
0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0);">  </font></font></font></b></font></font><p style=3D"margin: 0;p=
adding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;line-he=
ight:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><p styl=
e=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color=
:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding:0=
px;"></p><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, s=
ans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px;padding:0px;"></p><font face=3D"lato, helvetica neue, helvetica, ari=
al, sans-serif" style><font style><b style><span style=3D"font-size: 16pt;"=
>  </span><span style=3D"font-size: 16pt;"> </span><span style=3D"font-size=
: 16pt;"></span>  <span style=3D"font-size: 16pt;"> </span><span style=3D"f=
ont-size: 16pt;"></span> </b></font></font><p style=3D"margin: 0;padding: 0=
px;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;=
font-family:Arial,verdana;font-size:12px;padding:0px;"></p></div>
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       =09  </div>
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<tr><td class=3D"txtsize" id=3D"elm_1676405029794" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

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r:;">
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:17pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:5px;padding-bottom:10px;p=
adding-right:30px;padding-left:30px;">
             =09    =09=09<div componentlineheight=3D"17pt" componentpaddin=
gbottom=3D"10px" componentpaddingleft=3D"30px" componentpaddingright=3D"30p=
x" componentpaddingtop=3D"5px" style=3D"line-height: 17pt;"><p align=3D"lef=
t" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
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=3D"color: rgb(0, 0, 0); line-height: 17pt;"></font></font></font></p><p st=
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.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;marg=
in: 0;text-align: left; line-height: 17pt;"><font face=3D"lato, helvetica n=
eue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=
=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"line-height: 17pt;=
"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial,=
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></p><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; =
color:#000000;padding:0px;margin: 0;text-align: left; line-height: 17pt;"><=
font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"l=
ine-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#00000=
0" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><fon=
t style=3D"font-size: 10pt;"><font face=3D"Arial, Helvetica" style=3D"line-=
height: 17pt;"></font><span></span></font></font></font></font></font></fon=
t></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;p=
adding:0px;margin: 0;line-height: 17pt; text-align: left;"><font face=3D"la=
to, helvetica neue, helvetica, arial, sans-serif" style=3D"line-height: 17p=
t;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" style=3D"lin=
e-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"line-height: 17pt;"><font style><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><=
/font></font></font></font></font></font></font></p><p style=3D"font-family=
:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-hei=
ght: 17pt; text-align: left;"><font face=3D"lato, helvetica neue, helvetica=
, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"line-heigh=
t: 17pt;"><font color=3D"#000000" style=3D"line-height: 17pt;"><font style=
=3D"line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"line-height: 17pt;"><font style><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 10pt;">Contr=
actors, construction companies, debris removal services, and freelancers wh=
o work in the construction industry need general liability insurance to pro=
tect themselves from liability in the event of an accident or mishap. Most =
states require contractors to carry this form of insurance. Moreover, many =
potential customers won't hire contractors that don't carry this policy, es=
pecially for large jobs. A general liability policy shows customers that yo=
u're serious about their safety and wellbeing, and able to provide compensa=
tion in the event a mishap occurs on the job site.</font></font></font></fo=
nt></font></font></font></font></p><p style=3D"margin: 0;padding: 0px;font-=
family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-fam=
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etica neue, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><fon=
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: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" face=3D=
"Arial, Helvetica" style=3D"line-height: 17pt;"><span style=3D"background-c=
olor: transparent; font-size: 10pt; font-family: Arial, Helvetica; line-hei=
ght: 17pt;"></span></font></font></font></font></font><p style=3D"margin: 0=
;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;line-=
height:1.7;font-family:Arial,verdana;font-size:12px;padding:0px;"></p><p st=
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or:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;padding=
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" style=3D"line-height: 17pt;"><font style=3D"line-height: 17pt;"><font col=
or=3D"#000000" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font styl=
e=3D"line-height: 17pt;"><span style=3D"font-size: 10pt; font-family: Arial=
, Helvetica; background-color: transparent; line-height: 17pt;"></span></fo=
nt></font></font></font><p style=3D"font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;line-height: 17pt;"></p><p style=3D"=
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=09=09=09</td></tr>
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b(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0); font-size: 14pt;"><span></span></font></font></font></fon=
t></font></b></font></font></p><p style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align=
: left;"><font face=3D"lato, helvetica neue, helvetica, arial, sans-serif" =
style><font style><b style><font style><font color=3D"#000000" style=3D"col=
or: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica"=
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00" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><spa=
n>What does General Liability Insurance Cover?</span></font></font></font><=
/font></font></font></b></font></font></p><p style=3D"margin: 0;padding: 0p=
x;font-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;f=
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=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
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ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
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=09  =09
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0;line-height: 17pt; text-align: left;"><font face=3D"lato, helvetica neue,=
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t;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0=
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ca" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"></font></font><=
/font></font></font></font></font></font></p><p style=3D"line-height:1.7;fo=
nt-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 10p=
t; line-height: 17pt; text-align: left;"><font face=3D"lato, helvetica neue=
, helvetica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D=
"line-height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, 0); =
line-height: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#0000=
00" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size=
: 10pt;"><span></span></font></font></font></font></font></font></font></fo=
nt></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#=
000000;padding:0px;margin: 0;line-height: 17pt; text-align: left;"><font fa=
ce=3D"lato, helvetica neue, helvetica, arial, sans-serif" style=3D"line-hei=
ght: 17pt;"><font style=3D"line-height: 17pt;"><font color=3D"#000000" styl=
e=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 1=
7pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0); line-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font color=3D"#000=
000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 1=
7pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 10pt;">General liability insurance covers speci=
fic risks common to the construction industry. One of the most important fo=
rms of coverage is bodily injury coverage. If, for instance, your customer =
has a bad fall while looking over the job site, bodily injury coverage will=
 pay for the customer's medical bills. It will also cover legal costs if th=
e customer decides to take you to court over the matter. However, it won't =
cover any injuries your workers may incur while working on a job site. You'=
ll also need a worker's compensation insurance policy to cover your employe=
es in the event of an accident.</font></font></font></font></font></font></=
font></font></font></p><p style=3D"margin: 0;padding: 0px;font-family:Arial=
, Helvetica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,ve=
rdana;font-size:12px;padding:0px;"></p><p style=3D"margin: 0;padding: 0px;f=
ont-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font=
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0;padding: 0px;font-family:Arial, Helvetica, sans-serif; color:#000000;line=
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;margin: 0;line-height: 17pt;"></p><font face=3D"lato, helvetica neue, helv=
etica, arial, sans-serif" style=3D"line-height: 17pt;"><font style=3D"line-=
height: 17pt;"><font color=3D"#000000" style=3D"color: rgb(0, 0, 0); line-h=
eight: 17pt;"><font style=3D"line-height: 17pt;"><span style=3D"font-size: =
10pt; font-family: Arial, Helvetica; background-color: transparent; line-he=
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al,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height:=
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px;margin: 0;line-height: 17pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676401976393" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
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se;" valign=3D"top">

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















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=09=09=09<div>
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=09=09=09<a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae48=
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=09=09=09<img align=3D"left" alt=3D"https://zohopublic.com/zohocampaigns/97=
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=09                <div class=3D"zpelement-wrapper wdgts" id=3D"elm_1676484=
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eight=3D"35" src=3D"https://stratus.campaign-image.com/images/9722560000245=
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ame=3D"l_7"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Arial,ve=
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al; font-family: Arial, Helvetica, sans-serif; color: rgb(254, 80, 0); font=
-size: 8pt;">Like Our Facebook Page</p></a> </td></tr></tbody></table></td>=
</tr></tbody></table></td></tr></tbody></table></td><td align=3D"left" styl=
e=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fa=
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one;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D"middle"> <a hr=
ef=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae483b0fed/1d7e25a=
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;" target=3D"_blank" zcurl_name=3D"l_8"><img alt=3D"Follow us on LinkedIn" =
height=3D"35" src=3D"https://stratus.campaign-image.com/images/972256000024=
570375_4_1707145458888_zcsclwgtlin5.png" style=3D"border: 0px; margin: 0px;=
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=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdg=
tcaptns" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size=
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=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae483b0fed/1d7e25ae4=
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: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(254, 80, 0)=
; font-size: 8pt;">Follow us on LinkedIn</p></a> </td></tr></tbody></table>=
</td></tr></tbody></table></td></tr></tbody></table></td><td align=3D"left"=
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> <a href=3D"https://bjagh-zgph.maillist-manage.net/click/1d7e25ae483b0fed/=
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ze: 1px;" target=3D"_blank" zcurl_name=3D"l_10"><img alt=3D"Follow us on In=
stagram" height=3D"35" src=3D"https://stratus.campaign-image.com/images/972=
256000024570375_5_1707145458960_zcsclwgtinsta5.png" style=3D"border: 0px; m=
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;" vspace=3D"10" width=3D"35"></a> </td></tr><tr><td align=3D"center" name=
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ne-height: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(25=
4, 80, 0); font-size: 8pt;">Follow us on Instagram</p></a> </td></tr></tbod=
y></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></t=
body></table></td></tr></tbody></table></td></tr></tbody></table>=09
=09=09=09=09=09=09=09</td></tr>
=09=09=09            </tbody></table>=09
=09=09            </div>
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se;" valign=3D"top">

=09<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1676501558849" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
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0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

          <div class=3D"zpelement-wrapper" id=3D"elm_1676501558846" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:7px;pa=
dding-right:5px;padding-left:25px;">
             =09    =09=09<div componentpaddingbottom=3D"7px" componentpadd=
ingleft=3D"25px" componentpaddingright=3D"5px" componentpaddingtop=3D"0px" =
style><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;p=
adding:0px;margin: 0;line-height: 25pt; text-align: left; word-break: norma=
l; overflow-wrap: normal;"><font face=3D"Arial, Helvetica" style></font></p=
><h2 style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-ser=
if; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verda=
na,Helvetica, sans-serif; color:#000000;font-size: 26px;"><font face=3D"Ari=
al, Helvetica" style><font color=3D"#fe5000" style=3D"font-size: 15pt;"><b =
style>ABOUT GMIS</b></font></font></h2><font face=3D"Arial, Helvetica" styl=
e><span style=3D"color: rgb(51, 51, 51);"><font style=3D"font-size: 10pt;">=
<b>Grand Mutual Insurance Services (GMIS)</b> is a full-service insurance a=
gency that offers comprehensive personal and commercial coverage for indivi=
duals and companies of all sizes. Insurance solutions are customized to mee=
t the needs of our diverse client base, enabling them to protect their asse=
ts.&nbsp;Our goal is to find you the absolute best insurance options at hig=
hly competitive prices, while maintaining the level of personalized service=
 our clients expect and deserve.</font></span></font><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;word-break: normal; overflow-wrap: normal;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 35.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:210.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1676501558847" style=3D"padding:0px;">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676502175363"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:10px 7px 10px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 93%; margin: auto; border-collapse: initial;" width=3D"93%=
"> <tbody><tr><td align=3D"center" border-size=3D"1px" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-fam=
ily:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;borde=
r:0px;padding:7px;border-bottom: none rgb(220, 220, 220); border-left: none=
 rgb(220, 220, 220); border-right: none rgb(220, 220, 220); font-size: 0px;=
 margin: 0px; padding: 0px; width: 100%; border-top: 1px solid rgb(220, 220=
, 220);" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></tbody></table></=
div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:15px;p=
adding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403325588=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"https://bj=
agh-zgph.maillist-manage.net/click/1d7e25ae483b0fed/1d7e25ae4834eb0f" style=
=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsiz=
e=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#000000=
">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Visit Our Website</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://bjagh-zgph.mail=
list-manage.net/click/1d7e25ae483b0fed/1d7e25ae4834eb23" style=3D"padding:0=
px 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;dire=
ction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:no=
ne;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;disp=
lay:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_name=3D"=
l_12">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Visit Our Website
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676403668481=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:inf=
o@grandmutual.com?subject=3DGMIS%20-%20January%202024%20Newsletter" style=
=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168px;" arcsiz=
e=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#000000=
">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Email Us</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:info@grandmutual=
.com?subject=3DGMIS%20-%20January%202024%20Newsletter" style=3D"padding:0px=
 0px;background-color:#000000;width:168px;height:40px;font-size:11pt;direct=
ion:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:none=
;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;displa=
y:table;mso-hide:all;text-align:center;" target=3D"_blank">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Email Us
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:0px none #ffffff;border-bottom:0px none #ffffff;padding-top:7px;pa=
dding-bottom:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1676501645656=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:0px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"tel:888732=
5994" style=3D"border-radius:0px;height:40px;v-text-anchor:middle;width:168=
px;" arcsize=3D"0%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=
=3D"#000000">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Give us a Call</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"tel:8887325994" style=
=3D"padding:0px 0px;background-color:#000000;width:168px;height:40px;font-s=
ize:11pt;direction:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-=
decoration:none;border-radius:0px;border:0px solid #ffffff;border-collapse:=
separate;display:table;mso-hide:all;text-align:center;" target=3D"_blank" z=
curl_name=3D"l_14">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Give us a Call
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                      </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676489591082" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676489591082"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:1px 7px 10px 7px;border-collapse:colla=
pse;">
=09=09=09=09=09<div class=3D"divider" componentborder=3D"#dcdcdc" style=3D"=
margin:0px;padding:0px;text-align:center;"><table align=3D"center" border=
=3D"0" border-color=3D"#dcdcdc" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"dvdrtbl" style=3D"border-collapse:collapse;border-collapse:collapse; ms=
o-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border: 0px; font-s=
ize: 0px; width: 87%; margin: auto;" width=3D"87%"> <tbody><tr><td align=3D=
"center" border-size=3D"1px" height=3D"0" style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;border:0px;padding:7px;font-size: 0px; margin: 0px; padding: 0px=
; width: 100%; border: 0px solid;" width=3D"100%">       </td> </tr></tbody=
></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1676484255432" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1676484255432"=
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=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:1px 7px 10px 7px;border-collapse:colla=
pse;">
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