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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> <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= 227 WIDTH="141"><div> <A HREF="news2011.htm" TARGET="_top" TITLE="News2011"><U><B>2011 News & Information</B></U></A></div> <div> <A HREF="2010_newsletters.htm" TARGET="_top" TITLE="2010 newsletters"><U><B>2010 News & Information</B></U></A></div> <div> <A HREF="2009newsletters.htm" TARGET="_top" TITLE="2009Newsletters"><U><B>2009 News & Information</B></U></A></div> <bR> <div> <I><B>Have a question? </B></I><B>Please email </B></div> <div> <A HREF="mailto:lemerick@marshallsterling.com" TARGET="_top" TITLE="mailto:lemerick@marshallsterling.com"><U><B>Lorraine Emerick</B></U></A></div> <bR> </tD> </tR> </TABLE></B></div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>News & Information: 2012</B></div> <div> <B>STAY  INFORMED AND "LIKE  US" ON FACEBOOK</B></div> <div> <A HREF="http://www.facebook.com/msleeds" TARGET="_top" TITLE="http://www.facebook.com/msleeds"><U><B><IMG SRC="36996360.jpg" border=0 width="150" height="54" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <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=BOTTOM HEIGHT= 20 WIDTH="622"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="20" ALIGN="bottom" WIDTH="622" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <div> <B><U>February 2012</U></B><B> </B></div> <bR> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="835" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER COLSPAN=2 BGCOLOR=#000080 HEIGHT= 54 WIDTH="831"><div> <I><B>FREE WEBINAR...</B></I></div> <div> <B>HR Hurdles and How to Handle Them</B></div> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 33 WIDTH="414"><div> <B><U>JOIN US!</U></B></div> </tD> <tD VALIGN=CENTER ROWSPAN=2 BGCOLOR=#000066 WIDTH="414"><div> <B><IMG SRC="36dc7850.jpg" border=0 width="199" height="133" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B>Date</B></div> <div> Tuesday,</div> <div> February 7, 2012 </div> <bR> <div> <B>Time </B></div> <div> 10:00 A.M. EST </div> <div> This webinar is scheduled for one hour, and is sponsored by Great American Insurance Group, in conjunction with Marshall & Sterling Insurance.</div> <bR> <bR> <div> <I><B><U>Our presenter is Lisa Kirby, SPHR </U></B></I></div> <bR> <div> Ms. Kirby's human resource background includes 20 years experience in multiple industries including hospitality, recreation, transportation, healthcare,manufacturing,</div> <div> entertainment, and consulting. </div> <div> Ms. Kirby graduated from U.C. Davis with a bachelor's degree in Political Science and is certified as a Senior Professional in Human Resource (SPHR) from the Society for Human Resource Management (SHRM). </div> <bR> <bR> <bR> <bR> </tD> </tR> <tR> <tD VALIGN=CENTER BGCOLOR=#FFFFFF HEIGHT= 730 WIDTH="414"><div> <I><B>Great American Insurance Group, in conjunction with Marshall & Sterling Insurance in Leeds, NY, is pleased to present this Human Resources Loss Control webinar. </B></I></div> <bR> <div> <I>During the complimentary webinar, you'll learn about the top human resour</I><I>c</I><I>es issues that can lead to a claim:</I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Hiring - Can you use background checks?</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Harassment - It can happen in your organization.</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Disabilities - Yes, you probably can accommodate.</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Leaves of Absence - What you need to provide.</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Disciplinary Action - Consistency is the key.</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Social Media - What you can and can't do.</B></I></div> <div> <I><B><IMG BORDER="0" SRC="Symb075c00b7011866000000.png" HEIGHT="19" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Wage and Hour Issues - Exactly who is a volunteer? What notices does the state require I provide employees? </B></I></div> <bR> <div> <I>Please join us as we cover proactive ways you can reduce your risk.</I></div> <bR> <div> <I><B><U> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="403" BORDERCOLORLIGHT="#000066" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#FFFFCC HEIGHT= 185 WIDTH="391"><div> <A HREF="https://eplace.webex.com/mw0306ld/mywebex/default.do;jsessionid=w7SHPdZZpt7vYWlL2GSQnpSz8HSnlhpqjrXJP28tZpld1HBSKvgv!-1016527437?nomenu=true&siteurl=eplace&service=6&rnd=0.23834845813370265&main_url=https%3A%2F%2Feplace.webex.com%2Fec0605ld%2Feventcenter%2Fevent%2FeventAction.do%3FtheAction%3Ddetail%26confViewID%3D280214100%26siteurl%3Deplace%26%26%26" TARGET="_top" TITLE="https://eplace.webex.com/mw0306ld/mywebe"><U><I><B><U>Click here</U></B></I></U></A><I><B><U> </U></B></I><I><B> to Register for this Webinar. </B></I></div> <div> <I><B>Registration Password:</B></I><I> 1002</I></div> <div> <I><B>Event ID:</B></I><I> 2000</I></div> <bR> <div> <I><B>Have a question? </B></I><B>Please email </B></div> <div> <A HREF="mailto:lemerick@marshallsterling.com" TARGET="_top" TITLE="mailto:lemerick@marshallsterling.com"><U>Lorraine Emerick</U></A></div> </tD> </tR> </TABLE></U></B></I></div> <bR> </tD> </tR> </TABLE></div> <bR> <bR> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="782" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 1769 WIDTH="776"><div> <B><U>January 2012</U></B><B>  </B><I><B>Have a safe and happy holiday season!</B></I><I><B> </B></I></div> <bR> <div> <IMG SRC="36ad3280.jpg" border=0 width="723" height="296" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> <div> <I><B>Cyber Liability - Can you really afford to be without it?</B></I></div> <div> <B>Too many businesses believe their General Liability insurance policy will cover them for Cyber Risks. General Liability, Property, and Professional Liability policies do not address many critical information security exposures, statutory notification and credit monitoring costs, regulatory fines and penalties and class action lawsuits associated with privacy breaches. In fact, many forms now affirmatively exclude “cyber risk.” Marshall & Sterling Insurance can protect your business from a wide range of Cyber Risks.</B></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="726" BORDERCOLORLIGHT="#000066" BORDERCOLORDARK="#000033" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#EEEEEE HEIGHT= 97 WIDTH="714"><div> <B><U>Are You Prepared?</U></B></div> <div> <A HREF="http://webcache.googleusercontent.com/search?q=cache:gjPqAb9mgA0J:www.clla.org/documents/breach.xls+&cd=4&hl=en&ct=clnk&gl=us" TARGET="_blank" TITLE="http://webcache.googleusercontent.com/se"><U><I><B>Click here</B></I></U></A><I><B> for data breach laws by state. </B></I></div> <div> <I><B>Not convinced you need insurance? </B></I><A HREF="http://www.beazley.com/our_business/small_business/claim_scenarios.html" TARGET="_blank" TITLE="http://www.beazley.com/our_business/smal"><U><I><B>Click here</B></I></U></A><I><B> for claim scenarios, courtesy of one of the many insurance carriers we represent.</B></I></div> </tD> </tR> <tR> <tD VALIGN=TOP BGCOLOR=#CCCCFF HEIGHT= 72 WIDTH="714"><div> <B><U>Take a Few Minutes to Obtain a Pricing Indication</U></B></div> <div> <A HREF="http://www.marshallsterling.com/images/stories/documents/questionnaire-v3.pdf " TARGET="_top" TITLE="http://www.marshallsterling.com/images/s"><U><I><B>Click here</B></I></U></A><I><B> to complete this short online questionnaire for all or one of the coverages outlined below:</B></I></div> </tD> </tR> </TABLE></div> <div> <B>  </B></div> <div> <B><U>Third Party Coverage Options:</U></B></div> <bR> <div> <I><B>Network Security Liability:</B></I><B> </B>Provides Coverage for actions that the Insured is legally liable for claims made against the Insured for a Network Security Breach.</div> <bR> <div> <I><B>Privacy Liability:</B></I><B> </B>Provides coverage for actions that the Insured is legally liable for claims made against the Insured for a Privacy Breach.</div> <bR> <div> <I><B>Media Liability:</B></I><B> </B>Provides coverage for actions that the Insured is legally liable for claims made against the Insured for a Media Peril of content on the Insured’s Internet Site.</div> <bR> <div> <I><B>Professional Liability:</B></I><B> </B>Provides coverage for acts, errors or omissions in the rendering or failure to render professional services to a client of the Insured.</div> <bR> <div> <I><B>Regulatory Coverage: </B></I>Provides coverage for actions/proceedings against the Insured by agency resulting from a violation of a Privacy Law. </div> <bR> <div> <B><U>First Party Coverage Options:</U></B></div> <bR> <div> <I><B>Network Interruption Business Income & Extra Expense Coverage:</B></I><B> </B>Provides coverage for the Loss of Income and expenses incurred to reduce Loss of Income, minimize the duration of a network Interruption, Forensic Expenses, Loss of Data due to a Network Attack/Denial of Service Attack.</div> <bR> <div> <I><B>Cyber Extortion Coverage</B></I><B>: </B>Provides coverage for costs and expenses related to a Cyber Extortion Threat, including a threat of a Denial of Services Attack, Dissemination of Private Information obtained through the Insured’s Computer System, alter/delete/damage Data or a Data Asset or the Insured’s Computer System or interrupt/suspend the Insured’s Computer System unless money or other valuable consideration is paid by the Insured.</div> <bR> <div> <I><B>Breach Notification Coverage: </B></I>Provides coverage for costs and expenses associated with the notification to individuals whose Personal Identifiable Information or Protected Health Information has been breached pursuant to federal, state or foreign Breach Notification Laws.</div> <bR> <div> <I><B>Crisis Management Coverage: </B></I>Provides coverage for costs and expenses incurred by the Insured for a public relations firm, law firm or other expenses to communicate with the general public in order to mitigate reputational damage.</div> <bR> <div> <I><B>Credit Monitoring Coverage: </B></I><I>Provides coverage for costs and expenses incurred by the Insured to offer credit monitoring services to parties impacted by a Privacy Breach</I></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> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Deductibles need to be paid </div> <div> <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 </div> <div> <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 </div> <div> <IMG BORDER="0" SRC="Symb075c00b700f066000000.png" HEIGHT="16" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Employee injuries can impact Workers' Compensation premiums</div> <bR> <DIV ALIGN="LEFT"></DIV> <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> <bR> </tD> </tR> </TABLE></div> <bR> <bR> <bR> <bR> </td> </tr></table></body>