Tuesday, September 6, 2011

Liability from Breaches of Confidential Business Information

I came across a great article in the Business Ventures newsletter, published quarterly by the Fairfax County Ecomonic Development Authority.  The article, "The Importance of Protecting Confidential Business Information" by Brian Darville of Brocadiant IP PLLC, discusses the value of trade secrets and the potential liabilities that result from theft, disclosure or misappropriation of such information.

The full article can be found at this link.  It's a .pdf, so scroll to page 3. 

I am a liability nerd, and information security is one of my hot buttons.  This article naturally caught my attention.  Security breaches expose information:  Social Sec. numbers, Credit card numbers and potential Trade Secrets.  Once the info is exposed, the affected parties can file claims against the company that was hacked for failure to properly secure it.  The companies face fines, damages and attorney fees.  If you are one of these unfortunate companies, your General Liability policy will not cover this.  Electronic information is specifically excluded in most Liability policies. 

Network Security or Cyber Liability policies will respond to such claims.  I've included some information about these coverages in a previous post.  Find it here.

If your company maintains this info. on your server (and all companies do), take steps to protect it.  Have Tex, an IT service provider, recommends 10 best practices to lock up your information exposure.  Read this and commit it to memory:

Top 10 Ways to Keep your Business Data Safe

Good luck!  Don't hesitate to reach out if you have any questions.

Friday, August 19, 2011

GRCC: Networking 101 Seminar, 8/24/11 @ 8:30 am

This is an invite to a good seminar on how to network properly.  Kelly Jan of Corporate Wingman knows her stuff.  She will help you learn how to make your networking events more productive.






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From: Greater Reston Chamber of Commerce [mailto:communications@restonchamber.org]
Sent: Thursday, August 18, 2011 3:33 PM
To: Jimmy Norton
Subject: GRCC: Networking 101



"Networking 101" Workshop Presented by Corporate Wingman, LLC

Networking is not an event; it is a process in which you never know which contact will take you to your goal. There is really no secret to building your network of contacts. There are a lot of resources out there giving tips and tricks on building business networks and expanding your realm of influence, but there are some basic principles to follow that can have a significant impact on how successful networking events and strategies are. 

There is a certain 'art and science' to networking. If you are a business owner or a salesperson, it is imperative to learn how to network effectively; your financial success may depend on it! You don't have to be a natural-born extrovert or even an expert in your field to be able to approach a stranger and make a connection! 

This workshop was presented in May, but we have had MANY members request for the same workshop to done again. Kelly Jan of Corporate Wingman, LLC will walk through the basics of how to network more effectively. Learn tips regarding choosing the right events, what to wear, rules about food/drink, approaching a crowd and more. Once you learn, practice and eventually master a few basic techniques, you will realize networking can be fun and even very profitable! Stop wasting valuable time and money by attending events and walking away with nothing. 

The Business Education Program is free to GRCC Members and a $10 fee for non-members. Space is limited and breakfast will be provided.

To register you must call the Chamber office directly by dialing 703.707.9045.


August 24, 2011
8:30am - 10:00am

GRCC Office
1763 Fountain Drive, Reston


About the Speaker:
Kelly Jan
Chief Marketing Officer
CG Marketing | www.cgmktg.com

Many people call Kelly Jan a “master networker.” As an active member of the Greater Reston Chamber of Commerce for over three years, she has been involved in multiple lead roles of committees and Leadshare and also serves on the Board of Directors. At home her involvement includes everything from her home owners board to volunteering as the marketing director at a local not for profit golf club. Kelly has found that if she helps others succeed, in turn, she succeeds.

Kelly figured out that by asking “how can I help you?” instead of “how can I help myself?” she was able to build a referral network that increases her business on a daily basis. Recently, when asked what her favorite part of her “job” was, Kelly answered “connecting others.” With the help of her husband Andy, Kelly was able to form her newest venture, Corporate Wingman. Kelly is now able to assist small business owners and large corporations in growing their business through networking.




1763 Fountain Drive, Reston, VA 20190
T: 703.707.9045 | F: 703.707.9049 | E: davidc@restonchamber.org


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Greater Reston Chamber of Commerce | 1763 Fountain Drive | Reston | VA | 20190


Wednesday, June 8, 2011

PHLY Loss Control: Pool Drain Cover Recall

I received this notice from Philadelphia Insurance Company, http://www.phly.com, and thought it would be of great interest to pool owners & managers.







Having trouble reading the email? Go Here.

PHLY Loss Control and Risk Management Solutions for Your Business


Pool Drain Cover Recall

On May 26th, the U.S. Consumer Products Safety Commission issued a news release stating there is a voluntary recall of several retrofit or replacement drain covers that were installed new or as a result of the “Virginia Graeme Baker Pool & Safety Act” which was effective on Dec 19, 2008.

Per the recall “The drain covers were incorrectly rated to handle the flow of water through the cover, which could pose a possible entrapment hazard to swimmers and bathers."

Visit CPSC Pool Drain Recall for more information. Each firm below has a website with photos of the recalled drain cover models. Please verify that your pool is not subject to this recall, or if your pool has a recalled drain cover, take immediate steps to have the drain cover(s) replaced.

Eight Manufacturers are cooperating with the recall:


Model Information (websites)

Dates Sold




December 2008 -
April 2011

Replacement or Retrofit



December 2008 -
April 2011

Replacement or Retrofit

Color Match


December 2008 -
April 2011

Replacement or Retrofit

Custom Molded Products


December 2008 -
April 2011

Replacement or Retrofit

Hayward Pool Products


December 2008 -
April 2011

Replacement or Retrofit

Pentair Water Pool & Spa


June 2009 -
April 2011

Replacement or Retrofit

Rising Dragon


December 2008 -
April 2011

Replacement or Retrofit



December 2008 -
April 2011

Replacement or Retrofit


IMPORTANT NOTICE - The information and suggestions presented by Philadelphia Indemnity Insurance Company in this e-brochure is for your consideration in your loss prevention efforts. They are not intended to be complete or definitive in identifying all hazards associated with your business, preventing workplace accidents, or complying with any safety related, or other, laws or regulations. You are encouraged to alter them to fit the specific hazards of your business and to have your legal counsel review all of your plans and company policies.

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Philadelphia Insurance Companies is the marketing name for the insurance company subsidiaries of the Philadelphia Consolidated
Holding Corp., a Member of the Tokio Marine Group. Coverage(s) described may not be available in all states and are subject to Underwriting and certain coverage(s) may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.

This transmission contains information from the Loss Control Department of the Philadelphia Insurance Companies which may be confidential and/or privileged. This information is intended to be for the exclusive use of the individual or entity named above. If you are not the intended recipient, be advised that any disclosure, copying, distribution or other use of this information is strictly prohibited. If you have received this transmission in error, please notify by e-mail to Mark Konchan or by telephone to 800.873.4552 and press 4 immediately.

© 2011 Philadelphia Insurance Companies
One Bala Plaza, Suite 100 Bala Cynwyd, PA, 19004, US

PHLY.COM     Ward's 50    AM Best Best Places to Work Logo    Official Ironman Sponsor      Tokio Marine Group

Monday, June 6, 2011

On-Demand Webcasts on Important Risk Management Topics from Business Insurance

Below is a catalog of some very interesting and FREE Webcasts on topics such as:

Construction Defect claims

Social Media and Reputational Risks

Insurance Savings from Property Upgrades

Using Telematics to Improve Fleet Safety

These Webcasts are provided by http://www.businessinsurance.com.  


Jimmy Norton, CPCU
Brock-Norton Insurance Agency, Inc.
703.631.4500 x119

Sent from my iPad

Begin forwarded message:

From: "Events@BusinessInsurance.com" <Events@BusinessInsurance.com>
Date: June 6, 2011 5:53:02 PM EDT
To: jimmy@brocknorton.com
Subject: Business Insurance Webcasts: Browse Our Library of Free On-Demand Webcasts
Reply-To: "Events@BusinessInsurance.com" <support-bx561zja9737pbau63djpc44thuyjz@e.ccialerts.com>

Business Insurance webcasts and webinars

Business Insurance Webcasts & Webinars

Business Insurance Webcasts are developed by the editorial staff of Business Insurance to bring noted speakers and respected business leaders together with BI editors to discuss the latest and most pressing issues.

The following webcasts are available now for viewing on-demand immediately, or at your convenience. Free registration.

"Blueprint for Construction Defects: Managing the Risks and Coverage"

Construction defect issues are not getting any simpler for contractors, risk managers and insurers. Recent litigation has policyholders and insurers worried about the potential for liability to expand in defect cases. In addition, defect issues affect supply chains and can cause problems on uncompleted projects. And unexpected construction defects also have begun to arise in the new wave of green construction projects. Join Brian Casey, senior vp, head of insurance and risk management at Bovis Lend Lease Holdings Inc., and Michael Szot, executive vp and managing director of Aon Risk Solutions' Construction Services Group, as they navigate the complex issues surrounding construction defects. To view this on-demand webcast, register here.

"Urgent Care: Managing Medical Liability Risks After Health Reform"

The Patient Protection and Affordable Care Act will change how patients access health care, shifting how medical professional liability claimants target the industry. How will liabilities be parceled out, and what concerns does the changing landscape raise for health care industry risk managers? While most of the act's provisions are still a few years from implementation, this Business Insurance webcast will help risk managers and other health care industry professionals determine now what issues they need to consider. Kathryn A. Meyers, director of broking for Aon Risk Solutions' health care practice, and Edward M. Wrobel, a director at Towers Watson & Co., will discuss what is known today about new demands that will fall on health care systems, and what risk mitigation steps are necessary. To view this on-demand webcast, register here.

"Bad Buzz: Social Media, Blogging and Reputational Risks"

In the information age, damage to your company's reputation is just a blog entry or Facebook post away. The nightmare scenario is having damaging information—whether true or untrue—go "viral," spreading widely and sweeping up the company into an overnight public relations disaster with a potentially significant bottom line impact. How do you control your message in the media when the media is everyone? To help risk managers understand the risks and how to manage them, join Simon Barker, west zone practice leader and senior consultant at Marsh Risk Consulting's Crisis Management & Reputational Risks Practice, and Scott Marticke, chief operating officer of new media analysis company Sentiment360, for this online webcast. To view this on-demand webcast, register here.

"Get Retrofit: Insurance Savings from Property Upgrades"

While new buildings are constructed to meet the highest standards of safety and stability, older commercial properties can lack such protections, making them difficult and expensive to insure. In some cases, building regulations will determine what work needs to be done. But in the absence of codes, how does a property owner assess the hazards of an older property, whether it is recently acquired or one that is due an upgrade? To explore the insurance costs and benefits of upgrading older properties, join Janice Ochenkowski, managing director and head of global risk management at real estate services firm Jones Lang LaSalle Inc. in Chicago and Robert J. Smith Jr., global property risk consulting practice leader with Marsh Inc. in Chicago. To view this on-demand webcast, register here.

"An Inconvenient Risk: Climate Change Liability and Coverage"

Climate change is a significant emerging risk for companies, as individuals, corporations and government entities use the tort system to try to recover damages for alleged contributions to global warming. And some legal experts predict climate change-related insurance coverage battles will be as lengthy and hard-fought as the fights over coverage for environmental and asbestos claims. Join William F. Stewart, partner in the National Insurance Coverage Group of Nelson Levine de Luca & Horst L.L.C., and John G. Nevius, a partner and chair of the Environmental Law Group in Anderson Kill & Olick P.C., as they explore these and other climate change issues. To view this on-demand webcast, register here.

"Value in Enterprise Risk Management: Making ERM Pay Off"

Enterprise risk management is much talked about but not widely understood, as there are a multitude of differing approaches. Some are compliance-based, while others regard ERM as a tool to improve organizational performance. What's not debated is the idea that implementing an effective program can contribute to organizational value—the distinguishing feature that makes ERM more than just risk management. ERM is about creating value for the enterprise. Join Laura L. Brooks, vp of risk management and chief risk officer for Public Service Enterprise Group, and John J. Hampton, KPMG Professor of Business and dean of the School of Professional and Continuing Studies and Graduate Business Programs at St. Peter's College, as they explore the performance-based aspects of ERM and how to make it pay off for various organizations. To view this on-demand webcast, register here.

"Eyes on the Road: Using Telematics to Improve Fleet Safety"

Reckless behavior or a miscalculation by a driver can be costly—not just to your employee and others on the road, but also to the company's safety record and reputation. Advances in fleet technology, including GPS and sophisticated vehicle monitoring systems, give risk and fleet managers valuable new tools in their efforts to keep a close eye on driver behavior and to boost fleet safety and performance. To help understand how the use of such telematics tools can help protect your company—its drivers, vehicles and other assets—and the public, please join Herbert Mayo, vp, senior loss control consultant-specialist in transportation and general industry safety with Lockton Cos. L.L.C., and Jim Anderson, vp of safety with Florida Rock & Tank Lines Inc., for this webcast. To view this on-demand webcast, register here.

"Dangerous Data: Perils of eDiscovery and How to Manage Them"

Is your company prepared to comply with electronic data discovery rules and the potentially huge exposure those rules create? Many companies spend millions of dollars a year on information technology systems that capture data, but they may face big liability and compliance costs with eDiscovery. A strong risk management approach to preserving—and producing—electronic data is critical. Join Ann Longmore, senior vp in Willis Group Holdings P.L.C.'s Executive Risks practice for North America, and John McCarrick, partner in the commercial litigation department at law firm White & Williams L.L.P., for expert advice on how to reduce exposure in the eDiscovery process and apply risk management to enterprisewide electronic data. To view this on-demand webcast, register here.

"Energy Security: Protecting Your Business from Energy Supply Disruptions"

The 2010 oil disaster in the Gulf of Mexico—and more recently the Japanese tsunami and earthquake—focused attention on the security of energy supply. Energy security is a significant link in the supply chain, as manufacturing and distribution cannot take place without a consistent supply of energy. To help risk managers and loss control personnel understand their energy security exposure and how to address it, join Phillip Ellis, CEO of Willis Structured Risk Solutions in London, and Barry Franklin, a managing consultant of Towers Watson and a director in the company's corporate risk management practice, for this webcast. To view this complimentary webcast, register here.

"Retaliation Claims: What You Need to Know About This Growing Risk"

Retaliation claims against U.S. employers accounted for a greater number of charges filed with the Equal Employment Opportunity Commission than any other type of complaint filed with the commission last year. And the number of these claims is growing. Retaliation complaints tied with racial discrimination for the biggest increase among the various types of employment discrimination claims, according to the EEOC. Join Gerald R. Maatman Jr., a partner at Seyfarth Shaw in Chicago, and Michael R. Buchanan, a shareholder with Ogletree Deakins in Dallas, for an examination of retaliation claims and answers to your questions. To view this on-demand webcast, register here.


Browse these and other webcasts and webinars at www.BusinessInsurance.com/webinars

Business Insurance, 360 N. Michigan Ave., Chicago, IL 60601

Thursday, May 5, 2011

Enroll in Travelers IntelliDrive(TM) and Save 5% on your Auto policy

Concerned about what your Teens are doing out there on the road?  Wish you could be with them at every milepost?  Want to save some $ on your Auto policy? 

Travelers may have an answer for you.  Read on and contact me if you have any questions.

Introduce Travelers IntelliDriveTM and Save Customers 5% Today!
How does IntelliDrive work?

IntelliDrive uses a small device that installs easily into a vehicle. This device, along with GPS & GSM technology collects the vehicle's mileage, fuel efficiency, speed and location information, all which can be accessed through the secure IntelliDrive portal.

IntelliDrive is a great option for customers who…
  • Are looking for savings on their auto insurance;
  • Want peace of mind on how their children are driving; or
  • Don't drive as much as they used to.
Simply by signing up with IntelliDrive, customers get an immediate 5% discount on their auto insurance. Low mileage drivers may be eligible for an additional discount at renewal – up to 20%.

Plus, it may be an important ally for parents of Teen drivers:

According to the National Highway Traffic Safety Administration, auto accidents are the leading cause of death among teens age 15 – 20, as teens are more likely to engage in risky behaviors like speeding or overestimating their driving abilities.*
IntelliDrive may be able to help.

Through the IntelliDrive online portal, parents can find tools to help teens take accountability of their actions behind the wheel.

With IntelliDrive, parents have the ability to:

• Set up speed and location alerts

• Create an "electronic" driving boundary

• View driving trips through our easy to use maps

• Review speed and braking patterns

Click on the following link for more information:


*National Highway Traffic Safety Administration statistics found at http://www.nhtsa.gov/Teen-Drivers 

Discounts are subject to underwriting eligibility and are taken at the vehicle level.

Please note that IntelliDrive applies to Quantum Auto policies only.


Sunday, May 1, 2011

Fwd: Southern Storms: Overview of Response and Support Efforts by FEMA and the Federal Government Updates During Disasters)

Southern Storms: Overview of Response and Support Efforts by FEMA and the Federal Government
Sat, 30 Apr 2011 22:17:32 -0500

*Since the deadly tornadoes first struck parts of the country earlier this week, the federal government has been in constant contact with all of the impacted states as they responded to and began recovery efforts from these devastating storms. At the request of the respective governors, FEMA currently has personnel on the ground in Alabama, Georgia, Mississippi, Kentucky, Tennessee and Virginia, and commodities strategically pre-positioned in the region to support the states. President Obama joined Administrator Fugate, the Governor and other state and local officials on the ground in Alabama yesterday. On Sunday, Department of Homeland Security Secretary Napolitano, Housing and Urban Development Secretary Donovan, Agriculture Secretary Vilsack, Small Business Administrator Mills, and FEMA Administrator Fugate will travel to Alabama and Mississippi to survey the damage and meet with state and local officials. The following timeline provides an overview of these and other federal activities, to date, to support the impacted states, families and communities.*

 Receive FEMA Updates During Disasters





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This email was sent to jimmy@brocknorton.com.

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FEMA · U.S. Department of Homeland Security · Washington, DC 20472

Saturday, April 30, 2011

Lawsuit Filed Against Washington Harbor Managers After Flood

Lawsuit Filed Against Washington Harbor Managers After Flood

The first of many more to come. This suit is being brought by employees of the businesses who had to close their doors due to the flood. The employees are alleging loss of income resulting from the Property Managers' failure to put the Flood walls into place to prevent the flooding. Cleanup and property replacements costs plus loss of revenue claims are sure to follow.

Monday, April 18, 2011

River overflows banks at Washington Harbor - Washington Times

River overflows banks at Washington Harbor - Washington Times

The water rose and seeped into the restaurants lining Washington Harbor. The Washington Times article in the above link indicates that a flood wall was not raised in time to stop the water from flowing in. These restaurants will have to close to dry out and restock. They are going to lose thousands of dollars in revenue as they will be closed just as the warm Spring evenings are arriving.

One might assume that a waterfront restaurant will have adequate Flood coverage. I certainly hope that these restaurants do. However, who was responsible for raising the flood wall? It's possible that the responsible party will be liable for the damages suffered by these businesses.

If it's the Property Management company at fault, then their Liability policy might be the primary responder. OR, the businesses may turn the claims into their Flood Insurance carriers, and those carriers MAY subrogate against the Liability policy of the responsible party.

This is an interesting case to the insurance nerd. I'll be watching.