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<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>   |   <B>News</B></div> <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> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>News </B></div> <div> <B>NYS Defensive Driving Course Available Online - ONLY $23 - Save 10% on Your Auto Insurance</B></div> <div> <I><B>You do not need to be a customer to take advantage of this benefit!</B></I></div> <div> <A HREF="http://www.marshallsterling.com/leeds" TARGET="_top" TITLE="http://www.marshallsterling.com/leeds"><U><B>Click on Online Defensive Driving Course</B></U></A></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="749" BORDERCOLORLIGHT="#339933" BORDERCOLORDARK="#339933" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#FFFFCC HEIGHT= 45 WIDTH="737"><div> <B>Please contact </B><A HREF="mailto:mmcgarry@marshallsterling.com" TARGET="_top" TITLE="mailto:mmcgarry@marshallsterling.com"><U><B>Meghan McGarry</B></U></A><B> for a free marketing analysis of your insurance portfolio or if you should have any questions.</B></div> </tD> </tR> </TABLE></B></div> <div> <B> </B></div> <bR> <div> <B><U>SEPTEMBER 2010</U></B><B>: </B><FONT SIZE="4" COLOR="#000099" FACE="Times New Roman" ><I><B>EMERGENCY PREPAREDNESS MONTH</B></I></FONT></div> <bR> <div> <I><B>Emergency Action Plan Program Presentation </B></I></div> <div> Safety presentation useful in educating employees about their role in the Emergency Action Plan program</div> <div> <U> <a href="HTMLobj-618/Emerg_Prepared_Power_point.ppt"><u>Click to download</u> </a>  </U></div> <bR> <div> <I><B>Business Contingency Planning </B></I></div> <div> Emergency Management Considerations As you develop your Business Contingency Plan, this reference provides a </div> <div> step-by-step approach to analyzing your business considerations for emergency management</div> <div> <U> <a href="HTMLobj-619/EMERGENCY_MANAGEMENT_CONSIDERATIONS.doc"><u>Click to download</u> </a>  </U></div> <bR> <div> <I><B>Property Management Risk Insights: </B></I></div> <div> Be Prepared for Unexpected Threats and Dangers Security threats and disaster situations can happen at any time - make sure you are prepared to handle unexpected dangers.</div> <div>  <a href="HTMLobj-620/Property.doc"><u>Click to download</u> </a>  </div> <bR> <div> <I><B>Business Contingency </B></I></div> <div> Overview of Services that highlights our agency's expertise and unique loss control, risk management and jobsite safety solutions</div> <div>  <a href="HTMLobj-621/Available.doc"><u>Click here to download</u> </a>  </div> <bR> <bR> <div> <B><U>AUGUST 2010</U></B></div> <bR> <div> <I><B>Hartford Presents - E-security, an online course</B></I></div> <div> <A HREF="e_security.htm" TARGET="_top" TITLE="eSecurity"><U>Click here to begin</U></A></div> <bR> <div> <I><B>Risk Insights</B></I></div> <div> The risks and benefits of social networking at your workplace</div> <div>  <a href="HTMLobj-614/SocialNetworking.pdf"><u>Click here to download</u> </a>  </div> <div> <I><B>Benefits Buzz</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" ><I> </I></FONT></div> <div> Interim final rules were recently released regarding certain patient protection provisions found in the health care reform bill. Find this guidance and more in this month's issue.</div> <div>  <a href="HTMLobj-615/BenefitsBuzz.pdf"><u>Click here to download</u> </a>  </div> <div> <I><B>Live Well, Work Well Newsletter</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" ><I> </I></FONT></div> <div> Keep your kids safe with sports eye protection during Children's Eye Health and Safety Month. Also in this issue: ways to be a wise health care consumer, fighting fatigue, tips for saving for retirement and a delicious recipe for kiwi and mango salsa.  <a href="HTMLobj-616/LiveWell.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>P&C Pro-File Newsletter</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" ><I> </I></FONT></div> <div> This edition discusses occupational fraud statistics, terrorism insurance, and coverage for amateur sports leagues and camps.</div> <div>  <a href="HTMLobj-617/PCNewsletter.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <B><U>JULY 2010</U></B></div> <div> <I><B>Medical Identity Theft</B></I><I> </I></div> <div> Similar to traditional identity theft, medical identity theft can have a huge effect on your finances, but it can also impact your health. </div> <div> Learn how to prevent it in this Know Your Employee Benefits article  <a href="HTMLobj-599/Medicalidentitytheft.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Live Well, Work Well Newsletter</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" ><I> </I></FONT></div> <div> July 2010 Celebrate Independence Day the safe way with these suggestions on how to handle fireworks. Also in this issue: family vacation tips, the importance of medical pre-certification, why chores are good for your health and a recipe for a delicious summer dessert!</div> <div>  <a href="HTMLobj-600/LiveWellWorkWell.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Benefits Buzz</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" ><I> </I></FONT></div> <div> Become familiar with the new regulations involving grandfathered plans as well as how group health insurance rates are rising in this edition of the monthly newsletter.</div> <div>  <a href="HTMLobj-601/BenefitsBuzz.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>P&C Pro-File Newsletter</B></I><I> </I></div> <div> This edition discusses company concern over energy supplies, the importance of risk management and how health care reform affects workers' compensation.</div> <div>  <a href="HTMLobj-602/PC_newsletter.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <B><U>JUNE 2010</U></B></div> <div> <I><B>What to Consider When Hiring Teens for the Summer</B></I></div> <div> <B> <a href="HTMLobj-595/Teens_and_what_feds_require.pdf"><u>Teens and Federal Regulations</u> </a>  </B></div> <div> <B> <a href="HTMLobj-596/Teen_Driving_Laws.pdf"><u>Teen Driving Laws</u> </a>  </B></div> <div> <B> <a href="HTMLobj-597/Teen_Safety_and_Equipment.pdf"><u>Teen Safety and Equipment</u> </a>  </B></div> <div> <B> <a href="HTMLobj-598/Guidance_for_Hiring_Teens.pdf"><u>Guidance for Hiring Teens</u> </a>  </B></div> <bR> <div> <B><U>MAY 2010</U></B></div> <div> <I><B>Cyber Insurance</B></I></div> <div> If you are automated, then you are susceptible to the threat of a breach of your systems, your data and your trust. Learn about the types of Cyber Liability coverage, direct and indirect implications to your business and precautionary measures you can take.  <a href="HTMLobj-560/Cyber_20Insurance.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Legislative Brief </B></I></div> <div> 1) IRS Issues Guidance on Tax-Free Coverage for Children Under Age 27 As a result of health care reform, health coverage provided for an employee's children under 27 years of age is now generally tax-free to the employee, effective March 30, 2010. This Legislative Brief discusses IRS guidance on the change.   <a href="HTMLobj-564/Leg_20Brief.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> 2) Small Businesses Eligible for Tax Credit Under the recently enacted health care reform law, many small businesses and tax-exempt organizations that provide health insurance coverage to employees now qualify for a special tax credit. This Legislative Brief gives an overview of the new credit.  <a href="HTMLobj-562/Leg_20Brief_20Sm_20Bus.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Live Well, Work Well Newsletter </B></I></div> <div> Learn about why getting your blood pressure checked is so important during High Blood Pressure Awareness and Prevention Month! Also included: tips for safe biking, how to tidy up your budget, snacks that are 100 calories or less and a delicious recipe for Greek pasta.  <a href="HTMLobj-563/May_20Live_20Well.pdf"><u>Click here to download</u> </a>  </div> <bR> <div> <B><U>APRIL 2010</U></B></div> <bR> <div> <I><B>P&C Pro-File Newsletter - 4/2010</B></I><FONT SIZE="3" COLOR="#339933" FACE="Times New Roman" > </FONT></div> <div> Have you considered worker stress as a factor in your high incident rate? The popular monthly newsletter explores this issue as well as liability coverage </div> <div> and flooding concerns.</div> <div>  <a href="HTMLobj-554/April_Newsletter.doc"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Regulatory Update</B></I></div> <div> The CAN-SPAM Act - A Compliance Guide for Businesses Do your electronic marketing efforts constitute "spamming?" This guide will help you avoid </div> <div> the liability associated with noncompliance.</div> <div>  <a href="HTMLobj-556/April_Regulatory_Update.doc"><u>Click here to download</u> </a>  </div> <bR> <div> <I><B>Legislative Brief</B></I></div> <div> This Legislative Brief describes the final identity theft Red Flag Rules issued by the FTC and the federal financial institution regulatory agencies. It also discusses </div> <div> FTC guidance stating that health FSA debit card administrators are subject to the Red Flag Rules. The FTC plans to begin enforcement of the Red Flag Rules </div> <div> effective June 1, 2010. </div> <div>  <a href="HTMLobj-558/Identity_Theft_Red_Flag_Rules_Issued.doc"><u>Click here to download</u> </a>  </div> <bR> <bR> <div> <B><U>MARCH 2010</U></B></div> <bR> <div> <I><B>P</B></I><FONT SIZE="4" COLOR="#339966" FACE="Times New Roman" ><I><B>&C Pro-File Newsletter - 3/2010</B></I></FONT><FONT SIZE="3" COLOR="#339966" FACE="Times New Roman" > </FONT></div> <div> In this month's issue, learn about how workers' compensation differs among states; protecting your home and business from earthquakes; and what measures to </div> <div> take in the event of an accident with company property.  <a href="HTMLobj-550/March_Newsletter.pdf"><u>Click here to download.</u> </a>  </div> <bR> <div> <I><B>Assisting Employees in the Workplace after a Crisis</B></I></div> <div> To effectively assist employees, companies should consider developing a crisis response plan and team to provide support and counseling to those </div> <div> affected by traumatic incidents.  <a href="HTMLobj-551/March_Assisting_empl_crisis.pdf"><u>Click here to download.</u> </a>  </div> <bR> <div> <I><B>Employee Handbook: Online Social Networking Policy</B></I><B> </B></div> <div> Policy regarding social networking sites for the employee handbook.  <a href="HTMLobj-553/March_social_networking.pdf"><u>Click here to download.</u> </a>  </div> <bR> <div> <I><B>Winter Driving</B></I></div> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="662" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="VOID" RULES="NONE" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER HEIGHT= 39 WIDTH="658"><div> <B>Driving in poor winter conditions can be hazardous. Let's work together to help keep everyone safe,  mitigate losses and control costs.</B><FONT SIZE="3" COLOR="#FFFFFF" FACE="Times New Roman" >ile accidents can be costly: </FONT></div> </tD> </tR> </TABLE></div> <bR> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="626" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="VOID" RULES="NONE" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER HEIGHT= 316 WIDTH="622"><div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Deductibles need to be paid </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Poor MVRs and adverse loss ratios can affect auto rates </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Productivity is lost when employees deal with police reports and potential law suits and vehicles spend time in the repair shop, not on the road </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Employee injuries can impact Workers' Compensation premiums</B></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="228" BORDERCOLORLIGHT="#000066" BORDERCOLORDARK="#000066" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#FFFF66 HEIGHT= 168 ><NOBR><div> <B>WATCH VIDEO</B></div> <div> <B>Courtesy of The Hartford</B></div> <div> <A HREF="id48.htm" TARGET="_top" TITLE="The Hartford"><U><B><IMG SRC="225be7e0.jpg" border=0 width="190" height="126" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> </NOBR></tD> </tR> </TABLE></div> <div> <B>   </B></div> </tD> </tR> </TABLE></div> <bR> <div> <B><U>FEBRUARY 2010</U></B></div> <bR> <div> <I><B>P&C Pro-File Newsletter - 2/2010</B></I></div> <div> <B>In this issue, learn about the risks involved in going green. Also included: </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">an OSHA log posting reminder, </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">workers' compensation in relation to health care reform, </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">and the importance of buckling up behind the wheel</B></div> <div> <B> <a href="HTMLobj-523/February_Newsletter.pdf"><u>Click here to download newsletter</u> </a>  </B></div> <bR> <div> <B><U>JANURARY 2010</U></B></div> <div> <I><B>P</B></I><I><B>&C Pro-File Newsletter - 1/ 2010</B></I></div> <div> <I><B> </B></I></div> <div> <B>This 2-page edition of the popular employer newsletter discusses:</B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Vacancy Issues - whether you are an owner ot neighboring building or unit, vacancy is a liability </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Nanotechnology - </B><I><B>Small Stuff, Big Risk</B></I></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Greenhouse Gas Lawsuits - companies that emit greenhouse gases are heating up almost as fast as the Earth's temperature </B></div> <div> <B><IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Employment Practices Liability Insurance - Experts estimate that 3 out of 5 businesses will be sued by an employee at some point in their existence. Obtain a quote by emailing</B></div> <div> <B>      Meghan McGarry at </B><A HREF="mailto:mmcgarry@marshallsterling.com" TARGET="_top" TITLE="mailto:mmcgarry@marshallsterling.com"><U><B>mmcgarry@marshallsterling.com</B></U></A><B> for an application - you can't afford not to !</B></div> <bR> <div> <B>  <a href="HTMLobj-522/Jan2010.pdf"><u>Click here to download newsletter</u> </a>  </B></div> <bR> </td> </tr></table></body>