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Subject: Friedman Insurance eNewsletter
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                  <P style=3D"FONT: 12px Arial, Helvetica, sans-serif"=20
                  align=3Dleft>Welcome to your November issue of the =
Friedman=20
                  Associates Newsletter. Friedman Associates is excited =
and=20
                  proud to use this newsletter as part of a continual =
effort to=20
                  better serve our clients. In this monthly email, we =
will=20
                  provide you with pertinent industry commentary and =
important=20
                  safety tips, as well as information on upcoming =
industry=20
                  seminars. We are confident this will be a great tool =
to expand=20
                  your knowledge in the world of insurance, and we =
encourage=20
                  your submission of questions, comments or concerns at =
the end=20
                  of the newsletter.</FONT></P>
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                        <P align=3Dcenter><FONT=20
                        face=3D"Arial, Helvetica, sans-serif" =
color=3D#833e41=20
                        size=3D2><STRONG>In this issue:<BR>[<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#1">Carrier=20
                        of the Month</A>] [<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#2">Alerts</A>]=20
                        [<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#3">Happy=20
                        Thanksgiving</A>]<BR>[<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#4">Consumer=20
                        Alert</A>] [<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#5">Insurance=20
                        News</A>] [<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#6">Employee=20
                        Benefits</A>] [<A=20
                        =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#7">Have=20
                        a Question?</A>]=20
</STRONG></FONT></P></TD></TR></TBODY></TABLE>
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sans-serif"=20
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                  to top </A></FONT></P>
                  <P><FONT face=3D"Arial, Helvetica, sans-serif" =
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                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><IMG height=3D40 alt=3D""=20
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                  width=3D615> </FONT></P>
                  <P style=3D"FONT: 12px Arial, Helvetica, =
sans-serif">In each=20
                  issue, we feature information about one of the many =
insurance=20
                  companies we utilize to provide our clients with =
complete and=20
                  affordable coverage. This month's Carrier of the Month =

                  is:</FONT></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><!--$$$carrier of the month$$$--><A=20
                  href=3D"http://www.peninsulainsurance.com/"><IMG =
height=3D93=20
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src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/S=
ponsor.jpg"=20
                  width=3D391 border=3D0></A></FONT></P>
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                  to top </A></FONT></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><A id=3D2 name=3D2></A><IMG height=3D40 =
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                  <P style=3D"FONT-SIZE: 14px" align=3Dcenter><FONT=20
                  face=3D"Arial, Helvetica, sans-serif"><STRONG><FONT=20
                  color=3D#833e41>Are you looking for straight answers =
about your=20
                  health insurance options?</FONT></STRONG> </FONT>
                  <P style=3D"FONT-SIZE: 12px" align=3Dcenter><FONT=20
                  face=3D"Arial, Helvetica, sans-serif" =
color=3D#813f41>Whether you=20
                  need basic coverage for yourself, or more =
comprehensive=20
                  coverage for your family, this site will guide you =
through the=20
                  different health insurance coverage =
options</FONT><FONT=20
                  face=3D"Arial, Helvetica, sans-serif">.</FONT></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><STRONG><!--$$$Apply for Insurance$$$--><A=20
                  =
href=3D"https://seca.anthem.com/promosubweb/app?screenIdTextField=3Denter=
Code&amp;actionTextField=3DgetPromoDetails&amp;promoCode=3Dcpfeiffer">Cli=
ck=20
                  here</A> to apply online for individual and family =
health=20
                  insurance coverage.</STRONG></FONT><FONT=20
                  face=3D"Arial, Helvetica, sans-serif"></FONT></P><FONT =

                  face=3D"Arial, Helvetica, sans-serif">
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                  <P>&nbsp;</P>
                  <P style=3D"FONT-SIZE: 18px" align=3Dcenter><FONT=20
                  face=3D"Arial, Helvetica, sans-serif"><STRONG><FONT=20
                  color=3D#833e41>This site provides consumer insurance=20
                  information <BR>for those considering or buying=20
                  insurance.</FONT></STRONG><BR><BR><FONT =
size=3D3><!--$$$insureuonline$$$--><A=20
                  href=3D"http://www.insureuonline.org/"><STRONG><FONT=20
                  =
size=3D2>http://www.insureuonline.org/</FONT></STRONG></A></FONT></FONT><=
/P>
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                  face=3D"Arial, Helvetica, sans-serif"></FONT></P>
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                  align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"><A id=3D3=20
                  name=3D3></A><FONT face=3D"Arial, Helvetica, =
sans-serif"><FONT=20
                  face=3D"Arial, Helvetica, sans-serif"><FONT=20
                  face=3D"Arial, Helvetica, =
sans-serif"><!--$$$thanksgiving$$$--><IMG=20
                  height=3D155 alt=3D""=20
                  =
src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/h=
alloween.jpg"=20
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                  border=3D0></FONT></FONT></FONT></FONT></P>
                  <P align=3Dright><FONT face=3D"Arial, Helvetica, =
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                  size=3D2><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#top">back=20
                  to top</A></FONT></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"><A=20
                  id=3D4 name=3D4></A><IMG height=3D139 alt=3Da=20
                  =
src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/c=
onsumer.jpg"=20
                  width=3D600></FONT> </P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"=20
                  align=3Dleft><STRONG><FONT size=3D3>How to Protect =
Yourself from=20
                  Home Based Business Scams </FONT><BR></STRONG>While =
there are=20
                  many lucrative home based opportunities on the =
Internet, there=20
                  are also many scams that one must be aware of in their =
quest=20
                  for a home business. Scam artists are in abundance, =
and just=20
                  waiting for someone who is hopeful - and inexperienced =
- to=20
                  happen by. Don't let it be you! <!--$$$Business Beware =
story$$$--><A=20
                  title=3D"Mass Marketing Fraud - Press Room - Headline =
Archives 08-14-09"=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terparts/landing4.html">Story</A></P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"=20
                  align=3Dleft>&nbsp;</P>
                  <P align=3Dcenter><A id=3D5 name=3D5></A><IMG =
height=3D139 alt=3D""=20
                  =
src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/i=
nsurance.jpg"=20
                  width=3D600></P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"=20
                  align=3Dleft><FONT size=3D2><STRONG><FONT=20
                  face=3D"Arial, Helvetica, sans-serif">The lingering =
effects of=20
                  our damaged economy are causing a reduction in =
commercial=20
                  property and casualty premiums</FONT></STRONG><FONT=20
                  face=3D"Arial, Helvetica, sans-serif"><BR>=95 Rates =
stay low while=20
                  at the same time sales, payroll and other measures of =
exposure=20
                  used to calculate premiums fall further<BR>=95 There =
is less to=20
                  insure and with the current soft market pricing, =
written=20
                  premiums are steadily falling</FONT></FONT><BR>=95 =
Lower rates=20
                  along with a shrinking economy have resulted in a drop =
in=20
                  written premium thus benefiting the insurance =
buyer.</P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"=20
                  align=3Dleft><STRONG><FONT size=3D2>The cumulative =
effect will be=20
                  another year of lower premiums thru 2010</FONT><FONT=20
                  size=3D3><BR></FONT></STRONG>The above information is =
from an=20
                  Advisen Briefing which appeared in the Oct. 20, 2009 =
Insurance=20
                  Journal online. The title, <U>Planning for 2010: The =
Recession=20
                  Will Keep Commercial Insurance Premiums Under =
Pressure</U>.=20
                  was written by David Bradford, Advisen Ex =
VP.<BR><STRONG>To=20
                  view the Insurance Journal article, =
<!--$$$insurance$$$--><A=20
                  =
href=3D"http://www.insurancejournal.com/news/national/2009/10/22/104687.h=
tm">click=20
                  here.</A></STRONG></P>
                  <P=20
                  style=3D"FONT: 15px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"=20
                  align=3Dleft><STRONG>How Often Do I Need To Train?=20
                  </STRONG><BR><FONT size=3D2>All new employees need to =
receive=20
                  safety training soon after they start the job. =
<!--$$$train$$$--><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terparts/landing5.html">Story.=20
                  </A></FONT></P>
                  <P=20
                  style=3D"FONT-SIZE: 12px; FONT-FAMILY: Arial, =
Helvetica, sans-serif"=20
                  align=3Dright><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#top">back=20
                  to top</A></FONT></P>
                  <P align=3Dcenter><FONT face=3D"Arial, Helvetica, =
sans-serif"><A=20
                  id=3D6 name=3D6></A><IMG height=3D139 alt=3D""=20
                  =
src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/b=
enefits.jpg"=20
                  width=3D600></FONT></P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"><STRONG><FONT=20
                  size=3D3>How to Keep Workplace Friendships from =
Jeopardizing=20
                  Your Job</FONT></STRONG><BR>When it comes to workplace =

                  relationships, the general advice is to keep your =
distance.=20
                  After all, friendships can be tested by a number =
of...</P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"><STRONG><FONT=20
                  size=3D3>Does FMLA Apply When Employees' Children Get =
H1N1?=20
                  </FONT></STRONG><BR><EM>By Tonya A. Jacobs, Baker =
Hostetler=20
                  </EM><BR>If an employee?s child has been diagnosed =
with the=20
                  H1N1 virus, it could be considered a ?serious health=20
                  condition? under the Family and Medical Leave Act =
(FMLA). For=20
                  example, if the employee?s son or daughter has the =
virus and=20
                  the child is admitted to a hospital for treatment or =
is=20
                  incapacitated for three or more days and receiving =
continuing=20
                  treatment from a health care provider, the ?serious =
health=20
                  condition? requirement has been met. If that is the =
case and=20
                  the employee is needed to care for his or her child, =
any=20
                  necessary leave will be covered as long as the =
employee has=20
                  met the other FMLA eligibility requirements. =
<!--$$$insurance$$$--><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terparts/landing6.html#one">Read=20
                  More</A>. </P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"><STRONG><FONT=20
                  size=3D3>EEOC Releases New Equal Employment =
Opportunity Poster=20
                  </FONT></STRONG><BR><EM>By Jackson Lewis =
</EM><BR>Federal law=20
                  requires postings in workplaces informing individuals =
of their=20
                  rights under federal employment discrimination laws. =
The U.S.=20
                  Equal Employment Opportunity Commission (EEOC) has =
published a=20
                  notice revising its ?Equal Employment Opportunity is =
the Law?=20
                  poster to reflect changes required by the employment=20
                  provisions (Title II) of the Genetic Information=20
                  Nondiscrimination Act (GINA), which becomes effective =
on Nov.=20
                  21, 2009. <!--$$$insurance$$$--><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terparts/landing6.html#two">Read=20
                  More</A>.</P>
                  <P=20
                  style=3D"FONT: 12px Arial, Helvetica, sans-serif; =
MARGIN-LEFT: 15px"><STRONG><FONT=20
                  size=3D3>Voluntary Benefits Poised to Increase=20
                  </FONT></STRONG><BR>Surveys look at optional benefits =
provided=20
                  by U.S. and global employers <EM><BR>By Stephen Miller =

                  </EM><BR>U.S. employers are increasingly offering =
voluntary=20
                  benefit options as the way to meet the needs of a =
diverse=20
                  workforce, according to a survey by the not-for-profit =

                  International Foundation of Employee Benefit Plans =
(IFEBP).=20
                  Meanwhile, a survey by Mercer finds growing benefit =
options=20
                  worldwide. <!--$$$insurance$$$--><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terparts/landing6.html#three">Read=20
                  More</A>. </P>
                  <P align=3Dright><FONT face=3D"Arial, Helvetica, =
sans-serif"=20
                  size=3D2><A=20
                  =
href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#top">back=20
                  to top</A></FONT></P>
                  <P align=3Dcenter><FONT face=3D"Times, serif" =
size=3D2><A id=3D7=20
                  name=3D7></A><IMG alt=3D""=20
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src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/h=
eadings4.jpg"></FONT><FONT=20
                  face=3D"Times, serif"></FONT> </P>
                  <P align=3Dcenter><FONT face=3D"Times, serif" =
size=3D2><!--$$$Question Submission$$$--><A=20
                  =
href=3D"mailto:tom@friedman-insurance.com?subject=3DNewsletter%20Question=
"><IMG=20
                  height=3D75 alt=3D""=20
                  =
src=3D"http://www.adsmart360.net/Webcontent/156/November09/Nov09/images/e=
nvelopes.jpg"=20
                  width=3D150 border=3D0><BR><STRONG>Submit your=20
                  questions</STRONG></A><STRONG><BR>You may submit a =
specific=20
                  question about your business insurance needs and =
<BR>we will=20
                  promptly respond back to you. </STRONG></FONT></P>
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sans-serif"=20
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href=3D"http://www.adsmart360.net/webcontent/156/November09/Nov09/newslet=
terlink.html#top">back=20
                  to top </A></FONT></P></FONT></TD></TR>
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