The late season extends several weeks after the first fall frost and is ideal for cool-weather crops; it can extend even longer for very hardy vegetables or those grown under cover. Cold snowy winters, and hot, dry summers
A. A private exchange is simply an online resource set up by brokers, insurance carriers or benefit consultants, where individuals and employers can shop for health insurance, enroll in a plan, and receive customer support as needed.
Types of Insurance Companies. The two most common types of privately owned insurance companies are stock and mutual. A stock insurance company builds funds by selling company stock and is owned by its stockholders.Mutual companies are owned by the policyholders, and funds are raised through premiums.eciprocal Insurance. The term reciprocal indicates a mutual correspondence or a return in kind. Reciprocal insurance exchanges are associations that agree to share risk equally among its members. Members agree to pool risk by acknowledging a reciprocal agreement of indemnity.