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	Comments on: The welfare state does not insure your business	</title>
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	<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/</link>
	<description>Daphne Caruana Galizia is a journalist working in Malta.</description>
	<lastBuildDate>Wed, 17 Nov 2010 22:15:25 +0000</lastBuildDate>
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		<title>
		By: julianborg		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65064</link>

		<dc:creator><![CDATA[julianborg]]></dc:creator>
		<pubDate>Wed, 17 Nov 2010 22:15:25 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65064</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65057&quot;&gt;anthony&lt;/a&gt;.

He could at least have picked up the damaged coffins and chopped them up to sell them for firewood. 800 coffins would have been enough wood to serve a household a few years.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65057">anthony</a>.</p>
<p>He could at least have picked up the damaged coffins and chopped them up to sell them for firewood. 800 coffins would have been enough wood to serve a household a few years.</p>
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		<title>
		By: Herbert Micallef		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65063</link>

		<dc:creator><![CDATA[Herbert Micallef]]></dc:creator>
		<pubDate>Mon, 08 Nov 2010 16:47:30 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65054&quot;&gt;Riya&lt;/a&gt;.

Quite rightly he should.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65054">Riya</a>.</p>
<p>Quite rightly he should.</p>
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		<title>
		By: Anthony Farrugia		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65062</link>

		<dc:creator><![CDATA[Anthony Farrugia]]></dc:creator>
		<pubDate>Sun, 07 Nov 2010 16:17:15 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65062</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65060&quot;&gt;Gianni Xuereb&lt;/a&gt;.

Too many cowboy entrepreneurs - any type of insurance is an unnecessary overhead which one can do without until the heavens open and all hell breaks loose.

When they apply for bank facilities and the bank asks for property insurance, fire/theft cover over stocks etc, they get the shock of their lives at money being thrown down the drain.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65060">Gianni Xuereb</a>.</p>
<p>Too many cowboy entrepreneurs &#8211; any type of insurance is an unnecessary overhead which one can do without until the heavens open and all hell breaks loose.</p>
<p>When they apply for bank facilities and the bank asks for property insurance, fire/theft cover over stocks etc, they get the shock of their lives at money being thrown down the drain.</p>
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		<title>
		By: ganna		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65061</link>

		<dc:creator><![CDATA[ganna]]></dc:creator>
		<pubDate>Sat, 06 Nov 2010 19:20:40 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65061</guid>

					<description><![CDATA[Watching Muscat yesterday made my stomach turn. He is a photocopy of Alfred Sant. Remember when Sant use to talk about the salaries of ministers? Then when he became prime minister he raised his own salary and those of his ministers.

Muscat called Dr Gonzi giddieb, imma xi tippretendi mit-tifel ta&#039; Salvu id-Doggie.

He has no class or style. He went to St Aloyiuos for nothing. Tuba kien u tuba baqa, u zattat.]]></description>
			<content:encoded><![CDATA[<p>Watching Muscat yesterday made my stomach turn. He is a photocopy of Alfred Sant. Remember when Sant use to talk about the salaries of ministers? Then when he became prime minister he raised his own salary and those of his ministers.</p>
<p>Muscat called Dr Gonzi giddieb, imma xi tippretendi mit-tifel ta&#8217; Salvu id-Doggie.</p>
<p>He has no class or style. He went to St Aloyiuos for nothing. Tuba kien u tuba baqa, u zattat.</p>
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		<title>
		By: Gianni Xuereb		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65060</link>

		<dc:creator><![CDATA[Gianni Xuereb]]></dc:creator>
		<pubDate>Sat, 06 Nov 2010 13:25:34 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65060</guid>

					<description><![CDATA[Daphne you forgot to mention one point: What if all residences and businesses in Qormi were all insured ? Do you think the insurance company would stand still and pay for all damages ? Hell no! The insurance company would sue the government for damages.

&lt;strong&gt;[Daphne - I don&#039;t think you understand how insurance works.]&lt;/strong&gt;

Another thing... what about insurance premiums for such businesses/residences? For every flooding they get (and they happen very often in those areas believe me) the premium goes up. Do you think this is fair?

&lt;strong&gt;[Daphne - Yes, it&#039;s fair. It&#039;s the same with your car insurance. Premiums are calculated on the basis of risk. That&#039;s what insurance IS.]&lt;/strong&gt;

Do you think Tonio Fenech can shed responsability to all this with a simple statment?

&lt;strong&gt;[Daphne - He is not responsible. You, as a home-owner, are responsible for insuring your own home. When racist maniacs set fire to our house, we didn&#039;t sue Norman Lowell for damages. We filed an insurance claim, because our home is insured. We did the same when we had rainwater flooding some years ago.]&lt;/strong&gt;

The focal point of all this argument is that floodings like the one we just experienced can be managed/prevented unlike other natural disasters like earth quakes/ tsunamis/ hurricanes. This is where the government&#039;s responsability comes in.

So your argument does not hold water and yes the government is ultimately responsible. Tonio Fenech&#039;s statement is sheer arrogance from an immature minister.

&lt;strong&gt;[Daphne - The government is not responsible. You might as well sue everybody in the area who doesn&#039;t have a well (read the report in The Times today). That is poor reasoning which begs for the rejoinder: who told you to buy a house there in the first place?]&lt;/strong&gt;

You were right about the 800 coffins. I saw only one.]]></description>
			<content:encoded><![CDATA[<p>Daphne you forgot to mention one point: What if all residences and businesses in Qormi were all insured ? Do you think the insurance company would stand still and pay for all damages ? Hell no! The insurance company would sue the government for damages.</p>
<p><strong>[Daphne &#8211; I don&#8217;t think you understand how insurance works.]</strong></p>
<p>Another thing&#8230; what about insurance premiums for such businesses/residences? For every flooding they get (and they happen very often in those areas believe me) the premium goes up. Do you think this is fair?</p>
<p><strong>[Daphne &#8211; Yes, it&#8217;s fair. It&#8217;s the same with your car insurance. Premiums are calculated on the basis of risk. That&#8217;s what insurance IS.]</strong></p>
<p>Do you think Tonio Fenech can shed responsability to all this with a simple statment?</p>
<p><strong>[Daphne &#8211; He is not responsible. You, as a home-owner, are responsible for insuring your own home. When racist maniacs set fire to our house, we didn&#8217;t sue Norman Lowell for damages. We filed an insurance claim, because our home is insured. We did the same when we had rainwater flooding some years ago.]</strong></p>
<p>The focal point of all this argument is that floodings like the one we just experienced can be managed/prevented unlike other natural disasters like earth quakes/ tsunamis/ hurricanes. This is where the government&#8217;s responsability comes in.</p>
<p>So your argument does not hold water and yes the government is ultimately responsible. Tonio Fenech&#8217;s statement is sheer arrogance from an immature minister.</p>
<p><strong>[Daphne &#8211; The government is not responsible. You might as well sue everybody in the area who doesn&#8217;t have a well (read the report in The Times today). That is poor reasoning which begs for the rejoinder: who told you to buy a house there in the first place?]</strong></p>
<p>You were right about the 800 coffins. I saw only one.</p>
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		<title>
		By: P Borg		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65059</link>

		<dc:creator><![CDATA[P Borg]]></dc:creator>
		<pubDate>Sat, 06 Nov 2010 11:17:52 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65059</guid>

					<description><![CDATA[Daphne, what about Joey&#039;s insistence that he will refund tax on cars even though the law courts do not uphold Labour&#039;s claims? Insisting on rectifying something that our highest institutions say was correct in the first place - at the expense of the taxpayers - just because Joey says so - isn&#039;t this a scandal?

Won&#039;t this be a case where those who did not afford a new car will pay for those who do? Socialist ideology at its best!
We need one of your articles about this subject!

&lt;strong&gt;[Daphne - I wrote about it at the time.]&lt;/strong&gt;]]></description>
			<content:encoded><![CDATA[<p>Daphne, what about Joey&#8217;s insistence that he will refund tax on cars even though the law courts do not uphold Labour&#8217;s claims? Insisting on rectifying something that our highest institutions say was correct in the first place &#8211; at the expense of the taxpayers &#8211; just because Joey says so &#8211; isn&#8217;t this a scandal?</p>
<p>Won&#8217;t this be a case where those who did not afford a new car will pay for those who do? Socialist ideology at its best!<br />
We need one of your articles about this subject!</p>
<p><strong>[Daphne &#8211; I wrote about it at the time.]</strong></p>
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		<title>
		By: John Schembri		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65058</link>

		<dc:creator><![CDATA[John Schembri]]></dc:creator>
		<pubDate>Fri, 05 Nov 2010 22:20:49 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65058</guid>

					<description><![CDATA[I&#039;m watching the Xarabank debate. I&#039;m sorry to say this and worried, really worried, about the low level (and dangerous) language used by Joseph Muscat.

Calling the prime minister  &#039;GIDDIEB&#039; , interrupting, shouting and behaving like an unruly schoolboy is not material for a prime minister.

&lt;strong&gt;[Daphne - I really don&#039;t know why you&#039;re so surprised, John. One of my abiding memories of Joseph Muscat is from the 2003 election/referendum campaign: one of those Broadcasting Authority press conferences in which a party leader is interrogated by journalists. Muscat was one of the &#039;reporters&#039; grilling Fenech Adami, who maintained his dignified composure while Muscat screamed at him &#039;Giddieb! Ghid lil-poplu Malti x&#039; se jsir minnu jekk Allahares qatt insiru membri tal-Unjoni Ewropeja! Giddieb! Giddieb!&#039; He was vile. I kind of knew at that point that Labour was going to lose, and when Muscat&#039;s boss Sant behaved in exactly the same fashion during the final BA debate between the two party leaders on TVM, I was pretty much certain - though I still worried like hell, of course. I share your shock, though, that Muscat hasn&#039;t made the mental or intellectual transition from Super One reporter to leader of the Opposition at all.]&lt;/strong&gt;

Joseph Muscat told us to drop the &quot;Doctor&quot; and just call him Joseph, now I can understand why.

I pity Dr Gonzi, who looks hurt at having to face this ordinary guy.

By stating that the car registration refund case is &quot;a won case&quot; isn&#039;t he putting pressure on the magistrate?]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m watching the Xarabank debate. I&#8217;m sorry to say this and worried, really worried, about the low level (and dangerous) language used by Joseph Muscat.</p>
<p>Calling the prime minister  &#8216;GIDDIEB&#8217; , interrupting, shouting and behaving like an unruly schoolboy is not material for a prime minister.</p>
<p><strong>[Daphne &#8211; I really don&#8217;t know why you&#8217;re so surprised, John. One of my abiding memories of Joseph Muscat is from the 2003 election/referendum campaign: one of those Broadcasting Authority press conferences in which a party leader is interrogated by journalists. Muscat was one of the &#8216;reporters&#8217; grilling Fenech Adami, who maintained his dignified composure while Muscat screamed at him &#8216;Giddieb! Ghid lil-poplu Malti x&#8217; se jsir minnu jekk Allahares qatt insiru membri tal-Unjoni Ewropeja! Giddieb! Giddieb!&#8217; He was vile. I kind of knew at that point that Labour was going to lose, and when Muscat&#8217;s boss Sant behaved in exactly the same fashion during the final BA debate between the two party leaders on TVM, I was pretty much certain &#8211; though I still worried like hell, of course. I share your shock, though, that Muscat hasn&#8217;t made the mental or intellectual transition from Super One reporter to leader of the Opposition at all.]</strong></p>
<p>Joseph Muscat told us to drop the &#8220;Doctor&#8221; and just call him Joseph, now I can understand why.</p>
<p>I pity Dr Gonzi, who looks hurt at having to face this ordinary guy.</p>
<p>By stating that the car registration refund case is &#8220;a won case&#8221; isn&#8217;t he putting pressure on the magistrate?</p>
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		<title>
		By: anthony		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65057</link>

		<dc:creator><![CDATA[anthony]]></dc:creator>
		<pubDate>Fri, 05 Nov 2010 20:26:12 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65057</guid>

					<description><![CDATA[I feel sorry for this undertaker but he must be mad.

I assume his coffins are made of wood.

Anyone who does not insure a quarter of a million euros worth of wood against fire, at the least, is in need of urgent help.]]></description>
			<content:encoded><![CDATA[<p>I feel sorry for this undertaker but he must be mad.</p>
<p>I assume his coffins are made of wood.</p>
<p>Anyone who does not insure a quarter of a million euros worth of wood against fire, at the least, is in need of urgent help.</p>
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		<title>
		By: Brian		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65056</link>

		<dc:creator><![CDATA[Brian]]></dc:creator>
		<pubDate>Fri, 05 Nov 2010 19:15:48 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65056</guid>

					<description><![CDATA[Oh, come on! There are corner bazaars which are covered by an insurance policy.]]></description>
			<content:encoded><![CDATA[<p>Oh, come on! There are corner bazaars which are covered by an insurance policy.</p>
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		<title>
		By: Brian		</title>
		<link>https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65055</link>

		<dc:creator><![CDATA[Brian]]></dc:creator>
		<pubDate>Fri, 05 Nov 2010 19:13:10 +0000</pubDate>
		<guid isPermaLink="false">http://daphnecaruanagalizia.com/?p=8680#comment-65055</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65048&quot;&gt;TROY&lt;/a&gt;.

That&#039;s a good one...]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://daphnecaruanagalizia.com/2010/11/the-welfare-state-does-not-insure-your-business/#comment-65048">TROY</a>.</p>
<p>That&#8217;s a good one&#8230;</p>
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