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https://completemarkets.com/Blog/post/ScurichInsuranceServices/3007/How-to-Protect-Your-Intellectual-Property-IP/
Many companies do not know exactly what intellectual property (IP) they may own, while others are uncertain how to protect and maximize these valuable assets. When someone infringes on your IP, it may dilute the ability of consumers to associate your company as the source of your goods and services. To protect your company, it is important to first understand what is typically included as intellectual property. Generally, it involves a creation of the human mind, such as an invention, literary work or musical composition. The different areas of IP law include trademark (such as service mark, trade dress and trade name), as well as copyright, patent and trade secret. Why it is Important to Register Your IP While some intellectual property, such as a trademark or copyright, can be valid and protectable even if it is unregistered, registration offers important and key benefits. Registering a trademark or service mark with the United States Patent and Trade Office (USPTO) serves as constructive notice to the public of your claim of ownership of the mark. An owner who has successfully registered his mark with the USPTO also receives the following: An incontestable right to use the mark under certain conditions. A rebuttable presumption of the validity of the mark, the registrant’s ownership of the mark, and exclusive right to use the mark in commerce. The ability to seek costs, attorney’s fees, and treble damages (or three times the actual amount of financial losses) in infringement lawsuits. The destruction of the infringing articles. The ability to litigate in federal court. How to Register Your Trademark and Service Mark You can file an electronic application to register your company’s intellectual property. The Lanham Act governs federal trademark registration and allows trademark and service mark owners to pay a fee (typically $325) and file an application and verified statement to the USPTO. Applicants must state when they first used the mark in commerce and include a description of the goods that the mark is connected to, along with a drawing of the mark. In the verified statement, applicants must also state that they believe they are the owner of the mark, that the mark is used in commerce and that no other person has the right to use the mark. How to Register Your Copyright Copyright owners who register their work with the United States Copyright Office also receive significant benefit in any subsequent judicial proceeding. A certificate of copyright registration constitutes prima facie evidence of the validity of the copyright and of the facts stated in the certificate. Copyright owners who register their works can also potentially receive statutory damages from an infringer. Copyright owners can apply online to the United States Copyright Office to register a copyright. The application requires a $35 filing fee and the applicant to provide: name and address, title of the work, the year in which it was created and other preparation and identification information. [According to the USCO website, processing time for an e-filing is generally eight months.¹] How to Register Your Patent Patent applications are more complicated than trademark or copyright applications and are often filed by registered patent attorneys experienced in the patent drafting and filing process. A patent applicant must pay a fee (these fees range in amount) and produce an oath, a drawing of the invention and a “specification.” Applicants must state in the oath their country of citizenship and that they believe they are the first inventor of the process, machine, manufacture or improvement. The specification must contain a written description of the invention and the manner and process of making and using it in a full and clear manner. The specification also must contain one or more “claims” that point out the specific subject matter that the applicants regard as their invention. Using Written Agreements to Your Advantage Using, adhering to and enforcing various written agreements can help your company protect and profit from its Intellectual Property (IP). No agreement can accomplish everything but here are some to consider for advancing your IP portfolio. Non-Disclosure Agreements (NDA): An NDA, or confidentiality agreement, can help keep proprietary or trade secret information private. Among other details, it should plainly state who owns the IP rights associated with the product or service, and who has the right to enforce those IP rights. Non-Competition Agreements: A non-competition agreement can help lessen the risk that a vital employee will take critical information, such as processes, customer lists or formulas, to a competitor or a start-up company. Employment Contracts: When an author, artist or designer is an independent contractor or creates work outside the scope of his or her employment, a carefully drafted contract can eliminate potential conflicts by clearly, and broadly, defining the person’s scope of employment and assigning all IP rights generated from his or her work to the employer or hirer. Licensing Agreements: In a license, one entity grants another permission to use IP rights(s) within a defined time, market or territory. Typically complex, these agreements may contain provisions related to exclusivity, transferability, revocability and warranties. Download the White Paper on How to Protect and Maximize Your Company's Intellectual Property > Get Technology Resources that Can Help You Turn Risk into a Business Advantage > Source: ¹ http://copyright.gov/eco/

https://completemarkets.com/Blog/post/Colonial-General-Insurance-Agency/3258/Psychologists-Help-Others-Who-Helps-Them/
Working with a line of people who need help for mental/health problems, can put your client at risk for being exposed to claims made against them. Psychologists need to be careful when they are treating others because they can be held responsible for an accusation made even if they did nothing wrong!

https://completemarkets.com/Blog/post/ScurichInsuranceServices/2849/How-to-Help-Prevent-Offline-Identity-Fraud/
... Consider buying identity fraud insurance, a relatively inexpensive add-on to your renters or homeowners insurance policy. This coverage typically rei...

https://completemarkets.com/Blog/post/ScurichInsuranceServices/3594/Cybersecurity-Tips-from-a-Professional-Hacker/
...tive information in an encrypted container on that employee's phone. So it kin...can delete access and the encrypted container without affecting personal data ...

https://completemarkets.com/Blog/post/ScurichInsuranceServices/3617/Curbing-Corporate-Identity-Theft-A-Three-Step-Approach/
...ble to identity theft. Although insurance offers one way to manage this risk,...

https://completemarkets.com/Blog/post/ScurichInsuranceServices/2415/Five-Tips-for-Taking-a-Life-Insurance-Health-Exam/
...efore you can take out many life insurance policies. The result of this exam c...

https://completemarkets.com/Blog/post/ScurichInsuranceServices/3940/Follow-The-Signs-To-A-Safer-Workplace/
Workplace safety signs and tags play a key role in helping prevent accidents to workers and visitors alike. To make the most effective use of signs and tags in your facility that comply with OSHA regulation (29 CFR 1910.145), we’d recommend that you follow these guidelines: Identify all hazards throughout the workplace. In addition to obvious dangers, include those that are out of the ordinary, unexpected, or not readily apparent. Select or design signs and tags. Make sure they conform to OSHA requirements and are consistent in format. Use proper wording. According to OSHA, "the wording of any sign should be easily read, concise, and contain sufficient information to be easily understood." Position signs carefully. Signs should be placed so that they’re easy to see and read from a distance and draw maximum attention to hazards. Identify safety and fire protection equipment clearly. This includes such items as eyewash stations and safety showers, as well as fire extinguishers and hoses. Employ tags properly. OSHA requires that "tags shall be used as a means to prevent accidental injury or illness to employees who are exposed to hazardous or potentially hazardous conditions, equipment, or operations.” Review your program whenever new hazards are introduced. If you just put up signs and tags and forget about them, your facility probably won’t be in compliance with the OSHA regulations. Check the program frequently to make sure that it’s still doing the job. The workplace safety professionals at our agency would be happy to help you review your signage and tag policy. Give us a call at any time.

https://completemarkets.com/Blog/post/Insurance-Professionals-Blog/3806/Featured-Markets/
...lants, Artisan General Liability Insurance, Railroad Insurance, Commercial Auto Program, Business Auto Monoline Insurance, Maritime Workers Compensation, Mo...gage Guard and Private Investigator Insurance

https://completemarkets.com/Blog/post/Advertiser-Blog/5482/Challenges-of-Mass-Email-Marketing-in-the-Insurance-Industry-A-Summary/
...o millions of recipients (mostly Insurance Agents) - I thought I would summari...

https://completemarkets.com/Blog/post/ScurichInsuranceServices/3674/What%E2%80%99s-more-secure-financial-records-locked-in-a-filing-cabinet-or-financial-records-stored-in-the-cloud/
Pop quiz time. What's more secure; financial records locked in a filing cabinet or financial records stored in the cloud? If you don't understand how cloud security works, you probably said the filing cabinet. It's time for a little mythbusting about how secure your paperless office could be. Last week, Cindy Bates posted on the Microsoft SMB Blog about the benefits of a completely paperless office. Like Delta Airlines, who recently switched to the paperless cockpit, it's possible for any office or organization to ditch the dead trees and move entirely into the digital space. One of the first questions decision makers ask when considering the paperless office is "how secure is this?" It's a fair question, so let's consider Delta's paperless cockpit example and overall data security. The problem with paper is that, well, it's paper. Paper gets lost, it burns, it can be misfiled and disappear. It's only as secure as its physical location. If that location is a locked filing cabinet (or a vault under Fort Knox), if someone really wanted to get to it, they could. A file in the cloud cannot burn, be stolen, accidentally left behind in a restroom, or any other number of things that could affect a hard copy of important information. For a recent example, take a look at the Internet Archive, whose scanning facility in San Francisco caught fire. Although no data was stored in their San Francisco office, if it had been, cloud redundancies would have prevented any loss. But what about a data center, such as what powers Windows Azure or Office 365? Let's start with physical security: data centers are monitored 24 hours a day, 365 days a year. A team of ninjas could, in theory, break in, but they'd still have to know which of the thousand machines contained your exact data—so unless you've upset the cast of Ocean's 11, it's significantly less likely than an office fire that could destroy physical data. In addition, with Office 365, data transmitted across networks is encrypted—so if some agency (or other villain) happens to tap the wires, they still won't be able to read your files. While a move to a paperless office does not entirely guarantee data security—there are still those ninjas to think about—it is significantly more secure than leaving your information in paper form, where it could be destroyed or stolen with greater ease. It's just one more reason to go paperless.