Mr. Jones is a client of one of your members, Mrs. Smith, an attorney. Mrs. Smith invites Mr. Jones to lunch at your club to talk over a small business issue that Mr. Jones’ company is facing. Mrs. Smith arrives a few minutes before Mr. Jones and waits on the front porch of your club for her client to arrive. Mr. Jones’ car soon rolls up and Mr. Jones climbs out of the back seat accompanied by a beautiful golden Labrador, who you later find out is named Daisy, Mr. Jones’ service...

You’ve probably noticed that your auto insurance premiums – both business and personal – have gone up more than usual recently. There are a number of reasons for that: More drivers equals more accidents: In 2016, there were about 222 million licensed drivers and more than 260 million vehicles in the United States. More drivers and more vehicles leads to more accidents that insurance carriers must pay for. Unsafe driving practices: In a recent survey, the AAA Foundation for...