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Let us keep you informed and updated on the industry through our newsletter, the Employee Benefits Report.

• Lloyd's Values World Cup Insurance in Billions
• Communicating Health Care Reform
• CWCI Study finds Work Injury Medical
  Costs Higher — back to Pre-Reform
• Personal Lines Team Success Stories!
• Our Mission Valley/San Diego office is Moving!

• New EPA Lead Renovation, Repair & Painting Rule — Who is Affected?
• News from our Employee Benefits Department
• Buying a Home? Consider These Six Insurance Tips...
• Our Personal Lines Team Would Like to Assist You!
• Introducing Our Newest Team Member, Tierney Allen

• Health Care Reform — Now What?
• Building Vacancy — How it Affects Insurance Coverage
• Construction Costs are Rising — Are Your Insurance Limits Keeping Up?
• Annual Business Awards — Marrs Maddocks & Associates Insurance Services, Inc. nominated for Medium Business of the Year"
• News About our Valued Clients — We are saddened to report that Charlie Turner, President & Owner of our long - time client C&M Door and Trim of Spring Valley, recently passed away after a short illness. He will be greatly missed.

• Happy New Year from all of us at Marrs Maddocks & Associates!
• Eight Major Mistakes Employers Make
• Changes to the 2010 California Workers' Compensation Experience Rating Plan (ERP)
• News from our Personal Lines Department — Every homeowners policy contains limitations for certain covered property.
• Home of Guiding Hands 36th Annual Gala, "Explore"
• Entertainment by The Heroes

• Happy Holidays from all of us at Marrs Maddocks & Associates!
• The Importance of Employment Practices Liability Coverage
• Extending the COBRA Subsidy in 2010?
• The Equal Employment Opportunity Commission (EEOC) has revised its "Equal Employment Opportunity is the Law" poster
• News About our Valued Clients — Witt Properties has received the Office Building of the Year Award in the Historical Building Category

• Workers' Compensation Medical Provider Networks (MPN's); The Importance of Adhering to the Requirements under your Policy
• Personal Injury Coverage and Water Backup from Sewers or Drains; Two Potential Homeomers' Policy Gaps
• Daylight Saving Time ends in the United States
• News About our Valued Clients — San Diego Hardware
• News About our Valued Clients — The French Gourmet

• Are You Prepared For a Disaster? September is National Preparedness Month
• Most Californians Don't Take the Threat of Earthquake Seriously... Is Earthquake Insurance Right for You?
• Division of Workers' Compensation Launches "Bring 'em Back" Campaign
• CAL FIRE Urges Caution
• What's New with the MMA Team
• Carlsbad Rotary Oktoberfest
• Mountain Shadows Support Group 17th Annual Fall Classic Golf Tournament
• Home of Guiding Hands 27th Annual Golf Classic

• Are Consumer Directed Health Plans (CDHPs) a Good Option for Your Employees?
• Dual-Wage Construction Classes
• As Homeowners Unable to Sell Become Landlords, Insurance Needs Change
• 2009 Star World Championship
• What's New with the MMA Team
• Carlsbad Rotary Oktoberfest
• Mountain Shadows Support Group 17th Annual Fall Classic Golf Tournament
• Home of Guiding Hands 27th Annual Golf Classic

• California Workers' Compensation Rates to Increase
• Construction Costs on the Rise
• National Healthcare Reform... Let your opinion be heard
• Did you know that Marrs Maddocks + Associates is a leader in personal lines insurance as well?
• Pat Hurley, Vice President Commercial Lines steps down as President of the Carlsbad Hi-Noon Rotary Club
• Save $250 — Workers' Compensation Insurance — Member to Member Benefit for Carlsbad and Temecula Chambers of Commerce

Employee Benefits Report | May 2009 (404k)

• 401(k) Fees: What Do Plan Sponsors Need To Know?
• This Just In: Employers' goals for their health plans have changed with the economic climate.
• Time To Spring Clean Your Benefit Plans?
• The Clear Benefits of Offering Vision Health
• Lilly Ledbetter Fair Pay Act of 2009

Personal Lines | Spring 2009 (453k)

• Protecting Your Wedding Investment
• Why Every Policyholder Needs Umbrella Insurance
• The Promise of No-Fault Auto Insurance
• Water Damage: Are You Covered?

Insurance Buyers' News | January/February 2009 (400k)

• ADA Updates Effective Now
• This Just In: The Computer Security Institute's 2008 survey found nearly half (49 percent) of responding organizations suffered a computer virus incident, making it the most common type of computer security "incident."
• Don't Forget Your Fire Extinguishers
• Preparing for Flu Season
• Epidemic or Pandemic Action Steps

Insurance Buyers' News | November/December 2008 (427k)

• Product Liability: It's a Wrap
• Nearly two in three executives with risk management responsibilities feel their organizations should take a more strategic approach to risk, according to a new survey
• Reputation: The Sum of All Risks
• Study Finds Gap Between Risk and Management
• Controlling Cyber Risk and Your Budget
• The Four Biggest Threats to Your Company's Data

Employee Benefits Report | September 2008 (373k)

• GINA and Your Health Plan
• Availability of health insurance is an important factor in making major life decisions
• Long-Term Care Insurance: Not Just for the Elderly
• Understanding 401(k) Fees (and how to reduce them)
• The High Cost of Fees

Commercial Insurance Report | July/August 2008 (317k)

• Premises, Premises. Are You Adequately Covered?
• 44% of employers reported using social networking sites to check out job candidates
• Business Income: Make the Worksheet Work for You
• Climate Change: A Quick Guide for Risk Managers
• Risk management steps to prevent unexpected high-impact loss

Employee Benefits Report | May 2008 (303k)

• New Options Emerge for "Plan D" Integration
• A couple retiring this year will need about $225,000 in savings to cover medical costs
• Family Leave Act Expands for Military Claims; More Changes Proposed
• Department of Labor proposed additional regulations to the Family and Medical Leave Act
• Is an Employee Leave-Sharing Program For You?
• The IRS is allowing the direct rollover of qualified plan distributions to a Roth IRA.