2009Newsletters

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#6666FF" TEXT="#080000" bgproperties="fixed" background="12a00760egblyg.jpg"> <div> <FONT SIZE="5" COLOR="#FFFFFF" FACE="Times New Roman" ><B>www.incubatorinsurance.com</B></FONT><FONT SIZE="2" COLOR="#CC3399" FACE="Times New Roman" > </FONT><FONT SIZE="2" COLOR="#3300FF" FACE="Times New Roman" >  </FONT><B> |      </B><A HREF="index.htm" TARGET="_top" TITLE="www.incubatorinsurance.com"><U><B>Home</B></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="About the Broker"><U>About the Broker</U></A>   |   <A HREF="id3.htm" TARGET="_top" TITLE="Insurance Coverages"><U>Insurance Coverages</U></A>   |   <A HREF="identity_theft.htm" TARGET="_top" TITLE="Identity Theft"><U>Identity Theft</U></A>   |   <A HREF="start_up.htm" TARGET="_top" TITLE="Information for Start Up Companies"><U>Information for Start Up Companies</U></A>   |   <A HREF="id4.htm" TARGET="_top" TITLE="Applications"><U>Applications</U></A>   |   <A HREF="id17.htm" TARGET="_top" TITLE="Articles"><U>Articles</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>   |   <A HREF="id16.htm" TARGET="_top" TITLE="Links Resources"><U>Links & Resources</U></A>   |   <A HREF="news.htm" TARGET="_top" TITLE="Newsletters"><U>Newsletters</U></A></div> <bR> <div> </div> </td> </tr><tr> <td valign="top" width=193 BGCOLOR="#6633FF" TEXT="#080000"> <div> <B><IMG SRC="1b0a0750.jpg" border=0 width="160" height="117" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="147" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#FFFFFF HEIGHT= 68 ><NOBR><div> <A HREF="news2011.htm" TARGET="_top" TITLE="News2011"><U><B>2011 Newsletters</B></U></A></div> <div> <A HREF="2010_newsletters.htm" TARGET="_top" TITLE="2010 newsletters"><U><B>2010 Newsletters</B></U></A></div> <div> <A HREF="2009newsletters.htm" TARGET="_top" TITLE="2009Newsletters"><U><B>2009 Newsletters</B></U></A></div> </NOBR></tD> </tR> </TABLE></B></div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <A HREF="news.htm" TARGET="_top" TITLE="Newsletters"><U><I><B>< BACK</B></I></U></A></div> <div> <B>Newsletters 2009</B></div> <div> <I><B>NEW!</B></I><B> Defensive Driving Course Available Online - Save 10% on Your Auto Insurance </B></div> <div> <A HREF="http://www.newyorksafetycouncil.com/?lgr=5C39E5FA-C4A3-DE11-BE6F-00C09F3F0F12" TARGET="_top" TITLE="http://www.newyorksafetycouncil.com/?lgr"><U><B>Click here to learn more</B></U></A></div> <div> P&C Pro-File Newsletter - January 2010 This 2-page edition of the popular employer newsletter discusses vacancy issues, nanotechnology, greenhouse gas lawsuits and employment practices liability insurance.</div> <bR> <div> <B>December - Have a Wonderful and Safe Holiday Season!</B></div> <div> <I><B><IMG SRC="2007ca20.jpg" border=0 width="124" height="162" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></I></div> <div> <I><B>Benefits Buzz</B></I></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">The Generic Information and Nondiscrimination Act</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">COBRA Subsidy</div> <div> <I><B><U> <a href="HTMLobj-508/Benefits_Buzz.pdf"><u>Click here for Benefits and HR tips</u> </a>  </U></B></I></div> <bR> <div> <I><B>Celebrate the Season Safely</B></I></div> <div> <I><B><U> <a href="HTMLobj-509/Celebrating_the_Season.pdf"><u>Click here for tips on celebrating the season safely</u> </a>  </U></B></I></div> <bR> <div> <I><B>Winter Weather Safety Tips</B></I></div> <div> <I><B><U> <a href="HTMLobj-510/Winter_Weather.pdf"><u>Click here for winter weather tips</u> </a>  </U></B></I></div> <bR> <div> <B><U>Previous Newsletters</U></B></div> <div> <I><B><U>Commercial Auto Policy Basics: Uninsured and Underinsured Motorist Coverage:</U></B></I></div> <div> What happens when you find out the at-fault driver doesn't have coverage or is underinsured?</div> <div> <B> <a href="HTMLobj-507/Hired_nonowned_11_09.pdf"><u>Click here to learn how to protect your business</u> </a>  </B></div> <bR> <div> <I><B><U>Social Networking: The Future of Job Searching?</U></B></I></div> <div> Studies show that employers embracing social networking sites have become more in touch with a wide variety of applicants </div> <div>  <a href="HTMLobj-503/Oct_social_networking.pdf"><u>Click here to learn more about social networking and recruitment</u> </a>  </div> <bR> <div> <I><B><U>Benefits Bulletin:</U></B></I></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Reimbursement of Over the Counter Medications: IRS Issues Informative Letter</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Reducing the Risk of Exposure to Pandemic Influenza in the Workplace</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">2010 Health Insurance Cost Predictions</div> <div>  <a href="HTMLobj-504/Oct_Benefits_bulletin.pdf"><u>Click here to read more</u> </a>  </div> <bR> <div> <I><B><U>Risk Insights:</U></B></I></div> <bR> <div> <B>November Issue</B></div> <bR> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Weather: A New Source of Worry</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Fight Fraudulent Claims...with Facebook?</div> <div>  <a href="HTMLobj-505/Oct_did_you_know.pdf"><u>Click here to read more</u> </a>  </div> <bR> <div> <B>September Issue</B></div> <div> <B>Analyze ALL Your Risks</B></div> <div> Not only are companies today less willing to take risks to benefit their business because of global economic downturn, but according to a new report by Lloyd's businesses are less aware of what risks lie ahead</div> <div> of them. Companies are focused on their short and medium-term goals to keep afloat during tough economic times, but the report illustrated that they are doing this at the cost of carefully assessing their </div> <div> longer-tail hazards.</div> <bR> <div> <B>August Issue</B></div> <div> <B>Employee Theft - What Employers Should Know</B></div> <div> Theft comes in many shapes and sizes, depending on your organization and employees. Typically, employees may embezzle money or steal products - in addition, they may use company time to take care of personal business...known as "time theft".   <a href="HTMLobj-497/Employee_Theft.pdf"><u>Click here</u> </a>  to consider safeguards to curb theft at your organization.</div> <bR> <div> <I><B><U>Benefits Buzz: </U></B></I></div> <div> <B>September Issue</B></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Health Care Reform: <I>What you need to know</I></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">2009-2010 Influenza Season Planning & Response</div> <div> <B> <a href="HTMLobj-501/Sept_Benefits_Buzz.pdf"><u>Click here to download</u> </a>  </B></div> <div> <B>August Issue</B></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Healthy Family Act 2009</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Federal Minimum Wage</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">E-Verify Employment Eligibility</div> <div> <I><B> <a href="HTMLobj-498/August_Buzz.pdf"><u>Click here to download</u> </a>  </B></I></div> <div> <B>July Issue</B></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">The Employee Free Choice Act (EFCA) is a piece of legislation currently being discussed by the U.S. Senate that would change federal law with regard to the rights of workers to unionize. Establishes harsh penalties for employers who violate employees right to form a union</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Recession Increases Employment Litigation</div> <div> <I><B> <a href="HTMLobj-496/July_Newsletter.pdf"><u>Click here to download</u> </a>  </B></I></div> <bR> <div> <I><B><U>L</U></B></I><I><B><U>ive Well, Work Well!</U></B></I><I><B> </B></I></div> <div> <B>November Issue</B></div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">The American Cancer Society's Great American Smokeout - November 19th!</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Traveling with Fido</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Saving on car repairs</div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Be thankful for family :) </div> <div> <B> <a href="HTMLobj-506/Live_Well_11_09.pdf"><u>Click here to download newsletter</u> </a>  </B></div> <div> <B>September Issue</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Tan at Your Own Risk</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Yoga!</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Recipes: </B><I><B>Ginger Binge !</B></I></div> <div> <I><B> <a href="HTMLobj-502/Sept_Live_Well.pdf"><u>Click here to download</u> </a>  </B></I></div> <div> <B>August Issue</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Are you Getting Enough Sleep?</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Save Without Missing a Penny</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Healthy Snacks</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Sun & Summer Safety</B></div> <div> <I><B> <a href="HTMLobj-500/Live_Well_August.pdf"><u>Click here to download</u> </a>  </B></I></div> <div> <B>June Issue</B></div> <div> <B>N</B><B>ational Men's Health Week is June 9-15! </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Email Scams</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Benefits of Chocolate</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Allergy Tips</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Bean Salad Recipe</B></div> <div> <I><B> <a href="HTMLobj-499/Live_Well_June.pdf"><u>Click here to download</u> </a>  </B></I></div> <div> <I><B><U>Hiring Teens : Guidance for Your Business</U></B></I></div> <div> <B>Teens can be great employees, as they are often quite energetic and ready to “get their hands dirty” at their first jobs. Yet, they also pose a risk to you as an employer because they have a high frequency of injury. This is due in part because they have not matured fully, they can be impulsive, and they lack the experience necessary to recognize job-related hazards. </B><B> <a href="HTMLobj-491/Teens.pdf"><u>Click Here to Learn More</u> </a>  </B></div> <bR> <div> <I><B><U>H1N1 (Swine) Flu Information</U></B></I><I><B> </B></I></div> <div> <I><B><U><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0"> <a href="HTMLobj-492/Leg_Brief_Swine.pdf"><u>Legislative Brief - H1N1 Flu</u> </a>  </U></B></I></div> <div> <B><U><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0"> <a href="HTMLobj-493/Swine_Flu_-_Live_Well_Newsletter.doc"><u>H1N1 Flu Live Well Newsletter</u> </a>  </U></B></div> <div> <B><U><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0"> <a href="HTMLobj-494/Swine_Flu_Poster.doc"><u>H1N1 Flu Poster</u> </a>  </U></B></div> <div> <B><U><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0"> <a href="HTMLobj-495/Swine_Flu_-_payroll_stuffer.doc"><u>H1N1 Flu Payroll Stuffer</u> </a>  </U></B></div> </td> </tr></table></body>