Insurance of Intangible Asset Risks
|
|
- Jeremy Wheeler
- 8 years ago
- Views:
Transcription
1 Insurance of Intangible Asset Risks IP in innovative economy - Symposium Krakow, Poland 4-5 September 2008
2 Agenda Introduction to SAMIAN What do we mean by IP Risk? What insurance solutions exist for European businesses? Underwriting considerations Distribution challenges How can IPO s and Academic institutions assist?
3 Introduction to SAMIAN Overview Experience Capacity
4 Overview A specialist MGA focused solely on Intangible Assets Formed in 2007 Based in London, plus Copenhagen & Houston, TX Independent UK Investors Supporting Lloyd s Capacity
5 An experienced team London London Ian Lewis, 20 years experience with insurance and IPR Sam Bobo, 24 years experience with insurance and IPR Houston (Texas) Denmark Kim Cauthorn 19 years experience with insurance and IPR John Horsted 15 years experience with IPR (ex DKPTO) SAMIAN SAMIAN Underwriting Underwriting Agencies Limited Agencies All rights Limited Reserved All Rights Reserved. 5
6 Capacity Lloyd's is the world's leading insurance market providing specialist insurance services to businesses in over 200 countries and territories. In 2008, 75 syndicates are underwriting insurance at Lloyd's. 6
7 What do we mean by IP Risk? The two sides of the IP Risk Coin
8 Ownership First Party Risk Invalidity / Opposition / Reexamination proceedings Title Disputes Enforcement License disputes
9 First Party IP Exposure Legal costs to protect (defend ownership and scope) and enforce IP rights Loss or diminished value of IP asset, or reduced licensing or product revenues, as a result of: Invalidity Unenforceability Loss of title/ownership Infringement of other s IP
10 Liability Third Party Risks Infringement Liability Contractual Indemnity Transaction Reps & Warranties Open Source
11 Third Party IP Liability Risks Legal costs to defend against infringement allegations Resulting settlement, royalties or damages paid (liability) Consequential Losses
12 What insurance solutions exist for European businesses? Product overviews
13 IPEnforcer Covers litigation costs IP right owenrs when pursuing infringers of their IP rights Extension to include party(s) contractually indemnified by the Insured Extension to cover defence of challenges to the title or validity of the Insured s IP rights Limits of up to 2,500,000 Worldwide Territorial Limits available
14 IPGuard Covers defence costs and damages (liability) from infringement of third party IP rights Extension for party(s) indemnified by Insured Extension for Directors & Officers of the insured if named in the suit. Extension for breach of GPL Limits of up to 50,000,000 Worldwide Territorial Limits available
15 IPProtector Covers defence costs and damages (liability) from infringement of a third partys IP rights, plus enforcement costs and defence of validity/title disputes Cover for enforcement or defence of a breach of contract around IP rights Limits of up to 2,500,000 for enforcement, but 50,000,000 for defence Worldwide Territorial Limits available
16 RepSure Covers the Representations and Warranties given when IP rights are sold or transferred, namely, Freedom to Operate, Non-Infringement and good title Limits of up to 50,000,000 Worldwide Territorial Limits available 36 month policy period available
17 KeyIP Covers loss of asset value following findings of invalidity, loss of title or unenforceability or non-exploitation Limits of up to 20,000,000+ Worldwide Territorial Limits available 36 month policy period available
18 IPConseqeuntial Covers lost revenues due to imposition of injunction or infringing activity plus loss related to licensing or product revenue against findings of invalidity, loss of title or unenforceability Limits of up to 20,000,000+ Worldwide Territorial Limits available 36 month policy period available
19 IPPostEvent Covers adverse litigation costs and own disbursements for owners of IP rights when pursuing infringers of their IP rights Limits of up to 2,500,000+ Europe + AU, NZ Territorial Limits available Policy period until end of litigation
20 Underwriting Considerations Risk Factors Indemnification Preferences Underwriting Information Placement examples
21 Risk Factors What is client business Where is client domiciled Size of company IP rights v. no IP rights Blanket v. per product Market dynamics Territorial limits Any previous dispute history Any contractual considerations
22 Indemnification Preferences Indemnitor/licensor to have control of any IP infringement action Prefer for agreement to also have limitation of liability provision Indemnitor/licensor to have control over settlement Should be a cooperation obligation contractually for indemnitee/licensee
23 Risk Information Fully completed Proposal Form IP rights to be insured Patents / Trade Marks / Designs Abstracts, full text copies Search Reports Product brochures / Literature Any previous dispute history Underwriting Risk Review
24 Placement Examples Policy holder s business Limit of Indemnity Premium Rate on Line Statistical analysis software Medical device (asset sale) R&D of photobiological processes & photodynamic therapies Computer games publisher Spring water bottling, marketing, distribution Food sweeteners Consumer health products Protective head gear systems $2 million $10 million $7 million $4 million $1 million $4 million $2 million $4 million Less than 2% 10% Less than 2% 5.5% Slightly over 2% Around 4% 5% Just over 1% 24
25 Distribution challenges Knowledge of Risk Awareness of Solutions Affordability
26 Knowledge of Risk Understanding of IP value, benefits and risk is low in: SME s generally Insurance companies Insurance advisers Legal / Patent / TTO community unaware of insurance solutions
27 Awareness of Solutions Many people in Europe are unaware they can buy all the insurances mentioned above, today. Negativity received from IP attorneys and Patent Agents Insurance industry knowledge is limited at insurer and adviser levels Legal profession generally unaware of solutions even though they require insurance in contracts
28 Affordability Visit:
29 The Birth of PatentEnforcer The 3 Directors General from the French, Danish and UK Patent Office meet in London 2005 to agree a way forward
30 Denmark takes the lead Ny patentforsikring gør det lettere at håndhæve patentrettigheder Hvis et patent bliver krænket, kan det være rigtig dyrt at føre retssager mod dem, der stjæler idéen. En ny type forsikring dækker omkostningerne til patentsager og gør det dermed lettere for danske virksomheder at håndhæve deres rettigheder. Økonomi- og erhvervsminister Bendt Bendtsen: - Nu har danske virksomheder mulighed for at forsikre sig mod de ofte høje omkostninger, der er ved at håndhæve patentrettigheder. Mindre virksomheder har længe efterspurgt en patentforsikring, og med det nye produkt imødekommes ønsket. Små og mellemstore virksomheder patenterer mindre end store virksomheder. Det er et internationalt fænomen. Undersøgelser blandt mindre virksomheder peger på, at det blandt andet skyldes de høje omkostninger til patentretssager. Hvis små og mellemstore virksomheder forudser, at de vil få problemer med at finansiere håndhævelsen af et patent, og derfor patenterer mindre, vil det formindske deres incitament til at forske og udvikle. Det kan skade både virksomhederne og samfundet generelt. Patent- og Varemærkestyrelsen har i en årrække arbejdet for en patentforsikring, der især retter sig mod små og mellemstore virksomheder. Hidtil har de danske virksomheder kun haft mulighed for at købe patentforsikringer, som er udviklet særligt til den enkelte virksomhed. De har typisk været så dyre, at kun de store virksomheder har haft råd til dem. Den nye patentforsikring ligger på et lavere prisleje, hvor de små og mellemstore virksomheder har bedre mulighed for at klare omkostningerne. Forsikringen udbydes i privat regi. Yderligere information findes på Pressekontakt i Patent-og Varemærkestyrelsen: Kontorchef Anne Rejnhold Jørgensen, tlf / mob eller pressemedarbejder Anders Due, tlf / mob
31 Basis of Policy Annual renewable scheme Claims Made & Reported Subject to national law of Insured Voluntary basis On-line application
32 What is covered? Actual or suspected infringement of the Insured Patents as allowable under the patent laws of the country in which the infringement occurs Defence of counterclaims brought by the alleged infringer (noninfringement/invalidity)
33 Territorial Limits 33
34 What can be Insured? Granted Patents Patent Applications Up to 10 patent families per Insured Available for new and existing patents
35 Limits of Indemnity Select from: DKK 1,000,000 in aggregate DKK 2,500,000 in aggregate DKK 5,000,000 in aggregate
36 Eligible Insureds Companies and individuals domiciled in Denmark Not available to a subsidiary company of an non-danish firm, or a Danish national not domiciled in Denmark Applicants with a turnover up to DKK 250m
37 What can be Insured? Granted Patents Patent Applications Up to 10 patent families per Insured Available for new and existing patents
38 How much does it cost? From as little as DKK 8000 ( 800) Maximum of DKK 250,000 ( 25,000) Average Premium is 2,000 38
39 How can IPO s and Academic institutions assist?
40 Improve EDUCATION! EDUCATION! EDUCATION!
41 Any Questions? 41
42 For More Information contact Ian Lewis, Chief Executive +44 (0)
Intellectual Property Litigation Insurance Proposal Form
PROPOSAL FORM Intellectual Property Litigation Insurance Proposal Form Important tice 1. This proposal must be completed in black ink by a partner, principal or director of the firm or company. All questions
More informationIntellectual Property Pursuit and Defence. Summary of Cover
Intellectual Property Pursuit and Defence Summary of Cover Intellectual Property Pursuit and Defence Summary of cover This insurance is an annual contract unless stated otherwise in the quotation or renewal
More informationUsing insurance to manage patent risks
Using insurance to manage patent risks IAFS This article is sponsored by the Intangible Asset Finance Society (IAFS) Risk Committee. The objectives of the IAFS (www.iafinance.org) are to increase the visibility,
More informationSpecialist insurance and risk implications for prepaid an update. Prepaid International Forum Osborne Clarke London Thursday 9 th February 2012
Specialist insurance and risk implications for prepaid an update Prepaid International Forum Osborne Clarke London Thursday 9 th February 2012 Introduction To update our presentation of 24 th February
More informationThe Management of Intellectual Property Rights. Dr Derek Palmer
The Management of Intellectual Property Rights Dr Derek Palmer ProspectIP 2013 The Management of Intellectual Property Rights Introduction to Intellectual Property (IP) and Intellectual Property Rights
More informationPatent Litigation in Europe - Presence and Future
Patent Litigation in Europe - Presence and Future Innovation Support Training Program (ISTP) Module 2 / November 27, 2006 Christian W. Appelt German and European Patent and Trademark Attorney Patent Litigation
More informationCOACH BOT Modular e-course with virtual coach tool support
COACH BOT Modular e-course with virtual coach tool support LIFELONG LEARNING PROGRAM LEONARDO da VINCI Aarhus Social and Health Care College TRAINING FOR HEALTHCARE PROFESSIONALS AND HOME CARE PROVIDERS
More informationDesign and interiors. Index. Design og indretning
11/12 2 Index 3 Design og indretning Design and interiors 4 Borde - runde ben Desks - round legs 10 Borde - rektangulære ben Desks - rectangular legs 14 Opbevaring Storage 18 Konference - runde ben Conference
More informationReps and Warranties Coverage:
Reps and Warranties Coverage: The Best "New" Thing for M&A Deals New England Chapter September 18, 2014 Yo u r s o u r c e f o r p r o f e s s i o n a l l i a b i l i t y e d u c a t i o n a n d n e t
More informationHCC International Information and Communication Technology
HCC International Information and Communication Technology The Growth and Evolution of the ICT Market The Information and Communication Technology (ICT) sector remains one of the fastest growing, most
More informationIntellectual Property Rights Insurance. Slide 1
Intellectual Property Rights Insurance Slide 1 LBT Services Ltd Ernest Kay M.Sc. Barrister, ACIPA, F.Inst Directors Patent Insurance - General Overview Available in the UK & USA > 20 years Small Inventors
More informationSport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select
Allianz Insurance plc Sport & Social Clubs and Not For Profit Organisations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents
More informationPHOTOGRAPH LICENSE BETWEEN YOU AND DEATH TO THE STOCK PHOTO
PHOTOGRAPH LICENSE BETWEEN YOU AND DEATH TO THE STOCK PHOTO The Photograph (defined below) is provided to you ( you or Licensee ) by DTTSP LLC, an Ohio limited-liability company doing business as Death
More informationIndex. Design og indretning. Design and interiors. Delta-serien. The Delta range
2013 2 Design og indretning I moderne kontorindretning skal der tages højde for både ergonomi, funktionalitet og lovgivning, og det stiller høje krav til inventarets design. Hos Dencon samarbejder vi derfor
More informationBROKER AGREEMENT. NOW THEREFORE, in consideration of promises, covenants and agreements hereinafter contain, the parties agree as follows:
THIS AGREEMENT is entered into in the State of California this day of 2006, between Crestline Funding Corporation, hereinafter referred to as Crestline Funding, and, hereinafter referred to as Broker.
More informationIP Insurance and other IP litigation funding arrangements
IP Insurance and other IP litigation funding arrangements Introduction There are a number of different insurance options for insuring your intellectual property against the cost of enforcement, pursuing
More informationIP Guard. Infringement Liability Insurance Application Form
IP Guard Infringement Liability Insurance Application Form NOTICE THE POLICY FOR WHICH THIS APPLICATION IS MADE APPLIES, SUBJECT TO ITS TERMS, ONLY TO CLAIMS FIRST MADE AND REPORTED TO INSURERS DURING
More informationDesigns. Denmark Mette Bender Awapatent A/S. A Global Guide
Designs 2015 Mette Bender A Global Guide BUSINESS IN EURO IPE? Success in Europe is critical for your business. As one of the continent s top IP firms, we do more than protect intellectual assets. We guide
More informationTERMS AND CONDITIONS
TERMS AND CONDITIONS 1. Definitions. Buyer means the person, corporation or other entity purchasing Products from Seller. Products means all goods and materials to be provided pursuant to this Sales Acknowledgment.
More informationQBE European Operations Academy Combined Liability Insurance (UK) Schedule
QBE European Operations Academy Combined Insurance (UK) Schedule Policy Number: Y080684QBE0115A/085 Policy Wording Reference: PPBL020113 Period of Insurance: From: 01/09/2015 To: 31/08/2016 both days inclusive
More informationObtaining Indemnity Through Effective Tender Letters
Page 1 of 5 Portfolio Media. Inc. 648 Broadway, Suite 200 New York, NY 10012 www.law360.com Phone: +1 212 537 6331 Fax: +1 212 537 6371 customerservice@portfoliomedia.com Obtaining Indemnity Through Effective
More informationHow To Protect A Company From Liability
DIRECTORS & OFFICERS ESSENTIAL BUSINESS INSURANCE COVER POLICY RISK FACT introducing FirstUnited FirstUnited is a leading insurance intermediary group operating in Malta and under Freedom of Services throughout
More informationInformationsteknologi Serviceledelse Del 4: Procesreferencemodel
DS-information DS/ISO/IEC TR 20000-4 1. udgave 2010-12-14 Informationsteknologi Serviceledelse Del 4: Procesreferencemodel Information technology Service management Part 4: Process reference model DS/ISO/IEC
More informationHiscox Professional Indemnity Insurance for IT Consultants and Suppliers Policy Summary
Hiscox Professional Indemnity Insurance for IT Consultants and Suppliers What is a? This document provides key information about Hiscox Professional Indemnity (PI) Insurance for IT consultants and suppliers.
More informationConstruction Consultants Professional Liability Insurance Summary
Construction Consultants Professional Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal
More informationCAMP LOGOS administrated by Boligselskabet Sct. Jørgen (housing agency)
CAMP LOGOS administrated by Boligselskabet Sct. Jørgen (housing agency) Camp Logos the buildings Camp Logos is the dorm across the street from The Animation Workshop. There are 4 buildings side by side
More informationPark Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan)
Park Home Legal Costs Policy Wording (Including Twin Unit, Leisure Home or Permanently Occupied Static Caravan) This insurance is administered by Arc Legal Assistance Limited and underwritten by Inter
More informationDigital Music Distribution Agreement between You (Licensor) and VIDYPS 79 (Licensee Owner of Blue2Digital)
Digital Music Distribution Agreement between You (Licensor) and VIDYPS 79 (Licensee Owner of Blue2Digital) This Agreement was last updated on September 01, 2012. THE MAIN TERMS OF THE AGREEMENT IN A NUTSHELL:
More informationMaster Software Purchase Agreement
Master Software Purchase Agreement This Master Software Purchase Agreement ( Agreement ) is entered into as of Wednesday, March 12, 2014 (the Effective Date ) by and between with principal offices at (
More informationContents...1 The idea...2 Development of the idea...3 Company structure...3 Types of personality...4. Market analysis...6
UROPEAN BUSINESS G A M E NFP (NO FUELLING PROBLEMS) Project by Line Pors Jørgensen Nick Madirazza Kristian Lykke Rasmussen Anna Josefine Sørensen Viby Higher Secondary School Aarhus C, Denmark CONTENTS
More informationSurveyors Professional Liability Insurance Summary
Surveyors Professional Liability Surveyors Professional Liability Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation
More informationProfessional Indemnity
Professional Indemnity What is Professional Indemnity insurance? Insurance cover that protects a Professional (company, organisation or entity providing a professional service) Against the Insured s legal
More informationProfessional Indemnity Insurance Guide for FCA Regulated Firms (2015)
Professional Indemnity Insurance Guide for FCA Regulated Firms (2015) Nathan Sewell, CEO of Protean Risk, answers the Top 50 questions we are regularly asked as a specialist provider of Professional Indemnity
More informationDirectors and Officers Liability Insurance Guidance and Advice for Risk Managers
Directors and Officers Liability Insurance Guidance and Advice for Risk Managers The insurance market has responded to recent corporate failures by requiring more information from organisations seeking
More informationHub North Netværksarrangement d. 14. Juni 2011
Hub North Netværksarrangement d. 14. Juni 2011 Jan Bisgaard Envision Global Innovation Centre Silkeborg, Denmark Agenda: 1. Presenting (Jan Bisgaard) 2. Company profile 3. Strategies 4. Product road map
More informationIndemnity Clauses. Just boilerplate, right?
Indemnity Clauses Just boilerplate, right? Indemnity The obligation resting on one person to make good any loss or damage another has incurred or may incur by acting at his request or for his benefit,
More informationMTIC kursus. International markedsføring & salg i medico-branchen III
MTIC kursus International markedsføring & salg i medico-branchen III The digital immigrants must learn the language of the new world from the digital natives Morgan Stanley: The mobile internet report,
More informationQuestionnaire #1: The Patient (Spørgeskema, må gerne besvares på dansk)
Table of Contents Questionnaire #1: The Patient... 2 Questionnaire #2: The Medical Staff... 4 Questionnaire #3: The Visitors... 6 Questionnaire #4: The Non-Medical Staff... 7 Page1 Questionnaire #1: The
More informationAPPENDIX A that is not acceptable. Arbitration settled by arbitration arbitration shall be held in New Jersey substantive law of New Jersey
APPENDIX A The attorneys in the Office of University Counsel at the University of Colorado Denver Anschutz Medical Campus review many different types of contracts on behalf of the University. Legal review
More informationResidents Associations Directors & Officers Liability Select. Policy Overview
Allianz Insurance plc Residents Associations Directors & Officers Liability Select Policy Overview Product Name/Subject Line Professional Indemnity Policy Overview Contents Introduction 1 Significant Features
More informationAudioBlocks.com Royalty Free License Agreement
AudioBlocks.com Royalty Free License Agreement This license agreement ( Agreement ) governs the terms by which members of AudioBlocks.com obtain the right to use audio clips and other media content ("Stock
More informationMinimizing Risk in Technology Agreements
Minimizing Risk in Technology Agreements Joel Lehrer Partner, IP Transactions and Strategies February 25, 2015 2015 Types of Agreements and Key Considerations Software License Agreements Scope of granted
More informationIntroduction to Warranty and Indemnity Insurance 18 October 2012
Introduction to Warranty and Indemnity Insurance 18 October 2012 Mergers & Acquisitions Insurance Group Adrian Furlonge Assistant Vice President Svetlana Soroka Senior Underwriter Introduction Background
More informationProfessional indemnity Summary of cover
Professional indemnity Summary of cover Architects & Engineers October 2014 Why choose AXA s Architects & Engineers Professional indemnity insurance? AXA s Architects & Engineers Professional indemnity
More informationSpecialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary
Specialist Miscellaneous Professions (Legal Liability) Professional Liability Insurance Summary Specialist Miscellaneous Professions Underwritten by a member of the QBE Insurance Group (QBE) This insurance
More informationCommercialization Procedures: Licensing, Spinoffs and Start-ups. 2011 Yumiko Hamano
Commercialization Procedures: Licensing, Spinoffs and Start-ups Outline! Different Ways of Commercialization! Privately Funded Research and IP! Licensing! Licensing Agreement! Licensing Negotiation! Start-up
More informationGraphicStock.com Royalty Free License Agreement
GraphicStock.com Royalty Free License Agreement This license agreement ( Agreement ) governs the terms by which PEO York Communications of Professional Engineers Ontario - York Chapter, with an address
More informationArchitects and Engineers Professional Liability Insurance Summary
Architects and Engineers Professional Liability Insurance Summary Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation
More informationAzfar Bassir. Summary. Experience. Developer at SHFT azbassir@gmail.com
Azfar Bassir Developer at SHFT azbassir@gmail.com Summary I consider myself as a positive, happy, energetic and responsible person. I love challenges because I always want to improve my skills. I am ambitious
More informationAgent s Errors And Omissions Insurance Program Professional Liability Coverage for Agents and General Agents of
Agent s Errors And Omissions Insurance Program Professional Liability Coverage for Agents and General Agents of The Canada Life Assurance Company Canada Life Insurance Company of New York Canada Life Insurance
More informationBuilding Stronger Universities in Developing Countries. First Phase, August 2011 July 2013
Building Stronger Universities in Developing Countries First Phase, August 2011 July 2013 Inception Report November 2011 2 Introduction In agreement with the Ministry of Foreign Affairs the BSU initiative
More informationBNSync User License Agreement
BNSync User License Agreement This Agreement ("Agreement") contains the complete terms and conditions that apply to your installation and use of BNSync, a proprietary software product that is owned and
More informationWebsite Hosting Agreement
Website Hosting Agreement 6 oak grove avenue This Hosting Contract governs your purchase and use, in any manner, of all Web site hosting services, including the Shared Hosting Services, (collectively,
More informationIndenfor projektledelse
Best Practice Indenfor projektledelse 14. maj 2007 Agenda Position of PRINCE2, IMPA and PMI to other methods and standards Explain structure and concepts of the IPMA PMI, and PRINCE2 Other Standards and
More informationdirectors & officers liability insurance information
directors & officers liability insurance information CGU Professional Risks, as one of Australia s leading directors and officers insurers for over 20 years, offers an insurance policy that is designed
More informationALM Works End-User License Agreement for Structure Plugin
ALM Works End-User License Agreement for Structure Plugin IMPORTANT - READ CAREFULLY: This End-User License Agreement (EULA) is a legal agreement between you (either an individual or a single legal entity)
More informationNEW ZEALAND PSYCHOLOGICAL SOCIETY MEMBERS INSURANCE COVER As the insurance brokers to the NZ Psychological Society, Rothbury-Wilkinson Insurance
NEW ZEALAND PSYCHOLOGICAL SOCIETY MEMBERS INSURANCE COVER As the insurance brokers to the NZ Psychological Society, Rothbury-Wilkinson Insurance Brokers Ltd have arranged an insurance policy designed to
More informationCanon USA, Inc. WEBVIEW LIVESCOPE SOFTWARE DEVELOPMENT KIT DEVELOPER LICENSE AGREEMENT
Canon USA, Inc. WEBVIEW LIVESCOPE SOFTWARE DEVELOPMENT KIT DEVELOPER LICENSE AGREEMENT This Webview Livescope Software Development Kit Developer License ("Agreement") between you, the "Developer" and the
More informationCOLOCATION AGREEMENT. 1. Term and Payment for Services
COLOCATION AGREEMENT This Colocation Agreement ( Agreement ) governs your purchase and use of all colocation and related services (the Services ), as described in the Order Form, that you order and Oracast,
More informationConsulting Terms. 1. Consulting Services
These Consulting Terms, together with a Work Order, and any terms which are incorporated by written reference in any of the foregoing (including written reference to information contained in a URL or policy)
More informationLars Bo Andersen larsbo@larsbo.org
Lars Bo Andersen larsbo@larsbo.org Zimi's story Medie facade: http://www.youtube.com/watch?v=rprrivqgpjc http://www.youtube.com/watch?v=zpc2rbqg--u The $100 laptop hvem kender den? Hvem er OLPC Hvem er
More informationCovenants to Insure in Commercial Agreements. In House Training Seminar Presented by Satinder K. Sidhu March 8, 2013
Covenants to Insure in Commercial Agreements A Review of the CGL Policy In House Training Seminar Presented by Satinder K. Sidhu March 8, 2013 Introduction & Overview Examples of Covenants to Insure in
More informationSummary. /3 The purpose of this report was to observe Vestergaard Company A/S s possibilities of
entering the Turkish market. /3 The purpose of this report was to observe Vestergaard Company A/S s possibilities of Summary Vestergaard Company A/S Belinda S. Jensen, Gamze Celik, Katrine Junker og Kristine
More informationCLIENT CONTRACT STATE OF TEXAS }
STATE OF TEXAS } CLIENT CONTRACT COUNTY OF COLLIN } This is an agreement ( Agreement ) between THE NANNY AGENCY, INC., (referred to hereinafter as the Agency, 12202 Pagewynne Drive, Frisco, Texas 75035,
More informationSETTLEMENT AGREEMENT AND RELEASE OF ALL CLAIMS. COMES NOW, AMERICAN ZURICH INSURANCE COMPANY on behalf of its
SETTLEMENT AGREEMENT AND RELEASE OF ALL CLAIMS COMES NOW, AMERICAN ZURICH INSURANCE COMPANY on behalf of its agents, servants, successors, assigns, administrators, subsidiaries, independent adjusters,
More informationMelissa & Cynthia viser, hvordan man påfører EYES ON LINER AND STYLISH BROW
Side 1 af 5 Melissa & Cynthia viser, hvordan man påfører EYES ON LINER AND STYLISH BROW EYES eyeliner ON LINER og får AND perfekt STYLISH definerede BROW bryn The right products make a world of difference.
More informationSAP Best Practices. Færdigpakket branchespecifik og brancheovergribende knowhow. Tilgængelighed for SAP-kunder og SAP-partnere
SAP Best Practices Færdigpakket branchespecifik og brancheovergribende knowhow Tilgængelighed for SAP-kunder og SAP-partnere 1. Tilgængelighed af SAP Best Practices 2. Download af SAP Best Practices Tilgængelighed
More informationClaus B. Jensen IT Auditor, CISA, CIA
Claus B. Jensen IT Auditor, CISA, CIA I am employed in Rigsrevisionen, Denmark. (Danish National Audit Office) I have worked within IT Audit since 1995, both as internal and external auditor and now in
More informationQBE European Operations Professional liability
QBE European Operations Professional liability Disclosure of insurance details revisited QBE Professional Liability Disclosure of insurance details revisited/november 2013 1 Disclosure of insurance details
More information1. General Rules & Regulations
cosmeticsurgerycounselling.com is owned and operated by Cosmeticsupport.com, operating as a private agency. This information archive and support site is therefore governed under the laws of UK, the EU.!
More informationAcquia Certification Program Agreement
BY CLICKING THE ACCEPT BUTTON ON THE PROGRAM TERMS ACCEPTANCE PAGE OF ANY ACQUIA CERTIFICATION PROGRAM EXAM, YOU ACCEPT AND AGREE TO BE BOUND BY THIS ACQUIA CERTIFICATION PROGRAM AGREEMENT, INCLUDING ANY
More informationNordic Master in Didactics of Mathematics
Nordic Master in Didactics of Mathematics NORDIMA Barbro Grevholm Seminar i Bergen den 7-8 september 2011 Nordic Master in Didactics of Mathematics Project number NMP-2009/10730 The Master Consortium consists
More informationSkills Route Limited. Terms and Conditions of Use
Skills Route Limited Terms and Conditions of Use Effective Date: These Terms and Conditions are effective from 2 nd February 2016. 1 Definitions used in these Terms and Conditions Effective Date The date
More informationi2 Virtual Office T&Cs
i2 Virtual Office T&Cs Terms of Service This Agreement, which governs the terms and conditions of your use of i2 Virtual Office services ( hereinafter referred to as the "Service" or" Services") provided
More informationTHIRD PARTY ADMINISTRATOR AGREEMENT. (Hereinafter, Agreement ) Between
THIRD PARTY ADMINISTRATOR AGREEMENT (Hereinafter, Agreement ) Between Those underwriting members of Lloyd s, and those other insurers (if any), individually and severally subscribing to the Contract(s)
More informationDirectors & Officers Liability (D&O) Insurance. Benchmarking Report 2013
Directors & Officers Liability (D&O) Insurance Benchmarking Report 2013 Contents 1. Executive Summary...4 2. D&O benchmarking survey...6 3. D&O insurance arrangements...8 4. Risk manager role and responsibilities...10
More informationTEXAS ASSOCIATION OF REALTORS INDEPENDENT CONTRACTOR AGREEMENT FOR SALES ASSOCIATE. Robyn Jones Homes, LLC
1 TEXAS ASSOCIATION OF REALTORS INDEPENDENT CONTRACTOR AGREEMENT FOR SALES ASSOCIATE USE OF THIS FORM BY PERSONS WHO ARE NOT MEMBERS OF THE TEXAS ASSOCIATION OF REALTORS IS NOT AUTHORIZED Texas Association
More informationBusiness Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover
Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms
More informationDIRECTORS & OFFICERS LIABILITY INSURANCE
DIRECTORS & OFFICERS LIABILITY INSURANCE WHAT D&O INSURANCE DOES: Protects the personal assets of a company s directors and officers from potential unlimited liability; Protects the company s assets; Provides
More informationOmkostnings- og investeringsteori Efterår 2009 Opgaver
Omkostnings- og investeringsteori Efterår 2009 Opgaver Jonas Sveistrup Hansen - stud.merc.it 23. september 2009 1 Indhold 1 2-27 p. 76 - Identifying Cost Drivers 3 2 2-46 p. 81- Basic Relationship, Restaurant
More informationResearch on the Danish heroin assisted treatment programme
Research on the Danish heroin assisted treatment programme Katrine Schepelern Johansen Anthropologist, PhD Post.doc, Department of Anthropology, University of Copenhagen Treatment with heroin in Denmark
More informationPatents in Europe 2013/2014
In association with Unitary patent and Unified Patent Court: the proposed framework Rainer K Kuhnen Patents in Europe 2013/2014 Helping business compete in the global economy Unitary patent and Unified
More informationAFLAC LEVEL 2 DENTAL INSURANCE POLICY NETWORK PARTICIPATION AGREEMENT
1. PURPOSE This agreement is between Health Care Networks of America, LLC ( HNA ), a Nevada corporation and the Dentist, Professional Corporation, or Group Practice ( Provider ). Provider agrees to participate
More informationK YROUS R EALTY G ROUP, I NC.
K YROUS R EALTY G ROUP, I NC. 263 West 38 th Street Suite 15E New York, NY 10018 Phone: 212.302.1500 Fax: 212.302.3855 500 Greenwich Street Condominium-Alteration Policy The following documents must be
More informationGB INTRODUCTION manual:
GS - GS/L S2/S4 4 5 GB INTRODUCTION manual: Manufacturing Firm; The person responsible for the use of the fork truck must make sure that all of the safety rules in force in INSTRUCTIONS FOR USE 1) Do not
More informationAn Enhanced European Patent System
An Enhanced European Patent System The Select Committee The Preparatory Committee An Enhanced European Patent System In December 2012 the Council of the European Union and the European Parliament agreed
More informationwww.bonddickinson.com Cyber Risks October 2014 2
www.bonddickinson.com Cyber Risks October 2014 2 Why this emerging sector matters Justin Tivey Legal Director T: +44(0)845 415 8128 E: justin.tivey The government estimates that the current cost of cyber-crime
More informationDanish Wind Industry Association Danish Wind Turbine Owners' Association
Danish Wind Industry Association Danish Wind Turbine Owners' Association Low Frequency Noise from Wind Turbines: Do the Danish Regulations Have Any Impact? An analysis of noise measurements. January 2014
More informationCCBE questionnaire on professional indemnity insurance for lawyers requesting registration under the Establishment directive (98/5/CE)
Représentant les avocats d Europe Representing Europe s lawyers CCBE questionnaire on professional indemnity insurance for lawyers requesting registration under the Establishment directive (98/5/CE) Introduction
More informationWeb Site Development Agreement
Web Site Development Agreement 1. Parties; Effective Date. This Web Site Development Agreement ( Agreement ) is between Plug-N-Run, its affiliates, (including but not limited to USA Financial, USA Financial
More informationREQUEST FOR PROPOSAL OFFICE OF THE NEVADA ATTORNEY GENERAL GRANTEE- FORECLOSURE RELIEF PROGRAM MAY 20, 2011
REQUEST FOR PROPOSAL OFFICE OF THE NEVADA ATTORNEY GENERAL GRANTEE- FORECLOSURE RELIEF PROGRAM MAY 20, 2011 SCOPE OF WORK: The Office of the Attorney General (AGO) recently received a settlement from Wells
More informationPRIORITY. Professional Indemnity Insurance Contract
PRIORITY Professional Indemnity Insurance Contract Between AC&E PI and Liability Underwriters (Pty) Ltd acting as underwriting managers on behalf of the New National Assurance Company Ltd and hereafter
More informationDomain name terms and conditions
phone +44 (0)1883 370692 76 Campbell Road, email info@route22.co.uk Caterham, Surrey, fax 0870 1367529 CR3 5JN Domain name terms and conditions ROUTE22 LIMITED Vat no: 752 7542 20 Registered in England
More informationStrategies for Worldwide Patent Litigation. Moderator: John R. Thomas Panelists: Trevor M. Cook, Jamison E. Lynch, Mark D. Selwyn
Strategies for Worldwide Patent Litigation Moderator: John R. Thomas Panelists: Trevor M. Cook, Jamison E. Lynch, Mark D. Selwyn Global IP Litigation Strategy: Why Is It Important? Trend toward globalization
More informationSoftware- og systemudvikling Softwaretest Del 1: Begreber og definitioner
Dansk standard DS/ISO/IEC/IEEE 29119-1 1. udgave 2013-09-26 Software- og systemudvikling Softwaretest Del 1: Begreber og definitioner Software and systems engineering Software testing Part 1: Concepts
More informationMASTER SERVICES AGREEMENT
MASTER SERVICES AGREEMENT This Master Services Agreement ( Agreement ) is between 3seventy Inc. ( 3seventy ), whose principal place of business is 2224 Walsh Tarlton Lane, Suite 220, Austin, TX, 78746,
More informationC a r d c o n d i t i o n s
C a r d t y p e s Du har vel hørt om pigen, som trådte på brødet for ikke at smudse sine sko, og hvor ilde de blev hun opklædt, hun været ude, så sagde godt så hun ud, og hovmoden tog til. Et årstid havde
More informationWhy Should Private Companies Purchase Directors and Officers Liability Coverage? Jeffrey P. Klenk PLUS D&O Symposium February 6, 2003
Why Should Private Companies Purchase Directors and Officers Liability Coverage? Jeffrey P. Klenk PLUS D&O Symposium February 6, 2003 Introduction It s a common question that never seems to get answered.
More information3. og 4. november 2015, Hotel Hesselet, Nyborg
Kapitalfonde Breaking Barriersi 2009/10 For kapitalventurefonde, business angelsi kapitalfonde samt branchens rådgivere Årsskrift fraog DVCA om god selskabsledelse 3. og 4. november 2015, Hotel Hesselet,
More informationTherm-App Software Development Kit License Agreement
Therm-App Software Development Kit License Agreement 1. Introduction 1.1 Opgal is providing you with the Therm-App Software Development Kit intended for Android application developers (referred to in this
More information