According to Chabad custom, must one be careful not to take three steps back if the person in the back of him is still in middle of Shemonah Esrei?

Yes, as is the ruling in Shulchan Aruch, which is binding on all Jewry without exception, and thus the question itself is most puzzling. In fact, the Alter Rebbe was so particular in this matter that he writes that one who doesn’t follow it will be banished from having audiences with him. Sources : See Admur 102:5; Shut Admur 12 Takanos Tefila and Takanos Liazna

How important is it to give an exact report to the insurance company, and may one exaggerate expenses, or not report negligence, in order so the insurance covers more costs?

It is biblically forbidden to do so due to the stealing prohibition, whether the owner of the company is a Jew or Gentile. One must give an exact report to the company, and may only receive reimbursement for money that he is entitled to under the contract, based on the true events that occurred. Source : See Admur C.M. Hilchos Gezeila Ugineiva Halacha 1-4

The Shabbos Kitchen

Chapter 1: Erev Shabbos

Chapter 10: Spreading, smoothening & “fixing” foods on Shabbos

Chapter 11: Borer laws and restrictions

Chapter 12: Mifareik-Squeezing juice from fruits/vegetables on Shabbos

Chapter 13: Molid-Melting, Freezing, and reformatting foods on Shabbos

Chapter 14: Dyeing and scenting foods on Shabbos

Chapter 15: Salting foods on Shabbos

Chapter 16: Crushing, grinding, mashing and Cutting foods on Shabbos

Chapter 17: Lash-The laws of Kneading

Chapter 18: Home cleanliness

Chapter 19: Foods that contain letters or pictures

Chapter 2: The Blech-Setting up the hot food before Shabbos

Chapter 20: Miscellaneous laws

Chapter 3: Insulation-Hatmana before Shabbos

Chapter 4: Insulation-Hatmana on Shabbos

Chapter 5: The laws of Chazara-Heating foods on Shabbos

Chapter 6: The laws of Cooking

Chapter 7: Laws relating to electrical appliances

Chapter 8: Muktzah in the Shabbos kitchen

Chapter 9: Cutting, tearing, & opening items on Shabbos

According to Chabad custom, must one be careful not to take three steps back if the person in the back of him is still in middle of Shemonah Esrei?

How important is it to give an exact report to the insurance company, and may one exaggerate expenses, or not report negligence, in order so the insurance covers more costs?

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