31.   More Americans than ever are being offered health insurance through their jobs.

32.   Nonetheless, Massachusetts employers were more likely to offer insurance than their counterparts in most other states, said health policy experts.

33.   On Nevis, the Four Seasons Resort is offering vacation insurance for guests who book for September.

34.   Part of the reason is that the state requires companies to offer disaster insurance if they sell regular homeowners policies.

35.   Private companies usually do not offer flood insurance.

36.   Pozen said in setting up its own insurance company, Fidelity could offer affordable insurance for the money market funds.

37.   So they offer earthquake insurance to homeowners to keep them as customers.

38.   Some departments offer insurance and retirement plans to sweeten the pot.

39.   State law requires insurance companies to offer earthquake insurance at the time they sell homeowners insurance.

40.   That plan would require employers to offer insurance to all employees but not be required to pay for it.