South Carolina Agent & Broker, Spring 2015 by Blue Water Publishers, LLC

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SPRING 2015

Independent Insurance Agents & Brokers of South Carolina PO Box 210008, Columbia, SC 29221 800 Gracern Road, Columbia, SC 29210 803-731-9460 803-772-6425 (fax) e-mail: information@iiabsc.com

IIABSC Staff

G. Frank Sheppard, AAI, CAE President ext. 1239 or 803.760.1239 fsheppard@iiabsc.com Rebecca H. McCormack, CPCU, CIC, AAI Vice President ext. 1238 or 803.760.1238 bmccormack@iiabsc.com Beth Chastie Vice President of Administration & Finance ext. 9462 or 803.731.9462 bchastie@iiabsc.com

Contents

Message from the Chairman of the Board

Message from the National Director

House and Car Sharing: Is It Sharing or Is It Renting? Is It Covered?

Agency Nation: What The Heck Is It and Why Do We Need It?

Save the date: IIABSC 117th Annual Convention

Employee or Independent Contractor: Does It Really Matter?

Young Agents Joint Conference with North Carolina

2014 InsurPac Contributors

DocuSign & Big “I”

Trusted Choice Big “I” National Championship Golf Tournament

Palmetto Partners

IIABSC Education & Events Calendar

IIABSC Member News

2015 Board of Directors and Executive Committee

Laura D. Cornell, CIC Director of Insurance Programs ext. 1227 or 803.760.1227 lcornell@iiabsc.com Megan Huebner Director of Events & Membership ext. 9463 or 803.731.9463 mhuebner@iiabsc.com Anita J. Trevino Director of Communications ext. 1237 or 803.760.1237 atrevino@iiabsc.com Megan Thomas Education Coordinator ext. 1219 or 803.760.1219 mthomas@iiabsc.com Olga Nichols Customer Service Representative ext. 1225 or 803.760.1225 onichols@iiabsc.com Martha Lavigne Administrative Assistant ext. 9461 or 803.731.9461 mlavigne@iiabsc.com

South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising in this publication or the views of its writers. Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Carolina Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher cannot assume responsibility for claims made by advertisers and is not responsible for the opinions expressed by contributing authors. For more information on advertising, contact Jim Aitkins Blue Water Publishers, 22727 161st Avenue SE Monroe, WA 98272 360-805-6474 fax: 360-805-6475 jima@bluewaterpublishers.com

South Carolina Agent & Broker • Spring 2015

Advertiser Index Access Home Insurance 31 Allstar Underwriters 23 American Strategic Insurance 33 Amerisafe 35 Anderson and Murison 28 Assure Alliance 37 Atlas General 35 Builders Mutual Insurance 13 Burns & Wilcox 5 FCCI Insurance Group 43 GUARD Insurance Group 33 HICI 9 ISU Agency Network 48 JM Wilson 15

Jackson Sumner & Associates 2 Johnson & Johnson 24, 25 Lighthouse Property Insurance 35 M. J. Kelly of South Carolina 45 Motorists Mutual Insurance 19 Preferred Specialty 47 RPS Rollins 3 Risk Innovations 29 SCHBSIF 7 Southern Insurance Underwriters 21 Summit Marketing 17 The Iroquois Group 29 The National Security Group 46

About cover: [Photo credit: © Marko Volkmar, Dreamstime] Transportation Network Companies are a hot topic this legislative session. There are numerous business and regulatory issues adjoined to the discussion, but our major concerns are about the insurance coverage, of course! Chairman of the Board Ken Finch explains some of the coverage concerns for TNC drivers on page 6, and Big “I” Virtual University faculty member Mike Edwards dives into specific coverage, including those for “homesharing” participants, starting on page 11.

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IIABSC Chairman of the Board Ken Finch, CPCU, CRM, CIC, AAI

Transportation Network Companies (“Ride Sharing”) in South Carolina

ne topic that seems to keep coming up this year is Transportation Networking Companies (TNCs), companies like Uber or Lyft that use mobile technology to connect drivers with passengers. Known by consumers under the much broader term “ride-sharing,” our cover article gets technical about insurance coverage and whether standard coverage or added endorsements provide adequate coverage for ridesharing participants. It also discusses home-sharing, another activity facilitated by mobile technology that is becoming more common. As for South Carolina, the SC Public Safety Commission (PSC) determined in early January that a TNC company, UberX, could no longer operate in South Carolina out of concern for passenger safety because TNCs are not licensed or regulated like other transportation companies. After significant political pressure, including from Governor Haley, the PSC said they would delay the order to give the state legislature chance to establish regulations and insurance requirements. Uber says that they perform background checks on their drivers and rides are insured up to $1 million. Other PSC concerns included the accommodation of passengers with special needs, drivers being properly insured and passenger information privacy. Traditional transportation companies also say that exemption from regulations give TNCs an unfair competitive advantage. While there are many important business issues tied to TNC operations in our state, of course our primary concern is that drivers are properly insured. The current legislation stipulates that TNC commercial insurance policies must provide primary liability coverage for TNC drivers from the time the driver logs into the TNC app as an active driver until logging out to avoid any coverage gaps, most notably when a driver may be “on the app” and available for hire but not matched to a specific passenger. The legislation does not address physical damage, and some TNC representatives speculate that personal auto policies may provide coverage while a passenger is not in the vehicle. IIABSC is actively involved in this legislation and

South Carolina Agent & Broker • Spring 2015

supports efforts to clearly define when a TNC insurance policy should provide primary coverage. We expect ride-sharing participation to continue to increase in South Carolina, so it’s an important topic to bring up with clients. We’ve created a flyer “How Sharing a Ride Could Cost You,” available for member download from our website. The SCDOI recommends that agents add the question “Do you drive for a ride-sharing service?” to your auto application. For questions about the status of transportation networking companies in South Carolina, please contact IIABSC President Frank Sheppard.

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National Director

Jules Anderson, AAI

our IIABSC leadership is preparing for the national legislative conference, where we’ll likely be hearing about the implementation of the recently passed NARAB II and TRIA legislation. We are also expecting another Eagle Award for our InsurPac fundraising efforts. Special thanks to our 2014 contributors, list starting on page 32. I will report on the conference issues in the next edition. There’s a lot going on with Trusted Choice®, the brand of independent insurance agents. IIABSC leadership are in agreement that the best use of our annual Trusted Choice® brand promotion funds is driving consumers across the state looking for insurance information to the consumer website, www.trustedchoice.com, where they can learn about insurance, find a local independent agent or get a quote online. Starting in May we’ll be running several flights of digital display banner ads targeting consumers in life stages such as getting married, having a baby, buying a home or car, starting a new business, etc. We ran a similar campaign last year and expect to build upon its results with this new campaign. Agents have the opportunity to invest in similar ads sending local consumers directly to their own agency websites, supplemented by the Trusted Choice® Marketing Reimbursement Program. There have been significant changes to the Trusted Choice’s Marketing Reimbursement Program, where Trusted Choice® reimburses a portion of your annual co-branding/ advertisement materials. See below and download the 2015 MRP Guidelines & Application from our website for details. We’re eagerly awaiting the release of the Trusted Choice® Freedom Campaign commercial-lines ads. In the meantime there have been a few additions to the personal-lines ads, including a female “other” agent trapped by a security laser grid. All Freedom Campaign ads come in several formats, available for member download in the Trusted Choice® Agents Resource Center, trustedchoice.com/agents. Our national staff will customize them with your agency information for free. No need to hire an expensive professional graphic designer. Important things to know about the Trusted Choice® Marketing Reimbursement Program (MRP): •

All MRP funds are available on a first come, first served basis. Agencies with multiple locations may submit separate MRP applications for each location.

South Carolina Agent & Broker • Spring 2015

•

No MRP reimbursements will be given for yellow pages advertisements or other ongoing expenses such as website hosting and maintenance, directory listings or marketing service subscriptions.

•

A social media tier has been added to the wholesale digital marketing program (Reimbursement Tier III). See the MRP page on our website and contact Kiescha Cherry for more information.

•

MRP Reimbursement levels have been redistributed. Tier I reimburses 50 percent of expenses on use of the logo, including website, signage, promotional products and non-Freedom Campaign advertisements up to a maximum reimbursement of $100. Tier II reimburses 50 percent of expenses on Freedom Campaign materials and ad space up to $750. Tier III provides $750 to agencies participating in the wholesale digital media campaign. One unit delivers approximately 600,000 consumer impressions. The agency’s investment would be $2,250.

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House and Car Sharing:

Users of Airbnb and other similar apps report that an insurance policy up to $1 million coverage is provided to its “hosts.” What is actually covered? Are your personal-lines clients confused by terms like “host” and “guest”? Is it possible your clients are forgetting to tell you about their participation? 10

South Carolina Agent & Broker • Spring 2015

Is it Sharing? Is it Renting? Is it Covered? By Mike Edwards, CPCU, AAI, IIABA Virtual University Faculty QUESTION: “I have an insured that is planning to sign up as a host with a service called ‘Airbnb,’ which he says arranges ‘house sharing’ between owners and people who are traveling and need a place to stay. He stayed as a guest in several homes through Airbnb during a trip to London last Christmas, was very pleased, and found staying in a home much preferable to a hotel room. “Several of his friends are already signed up as hosts with Airbnb, and they highly recommend the arrangement. They told him that Airbnb provides $1,000,000 insurance for the host. Also, they have told him how much they like having the extra income. Well, ‘income’ sent up a red flag to my insurance antenna! Do you know how this arrangement works, and is it ‘sharing’ or ‘renting,’ and what are the coverage implications?” ANSWER: Here’s the short answer: Sometimes “sharing” is sharing, and sometimes “sharing” is renting. And your insurance antenna was correct to pick up on the fact that your insured’s friends, who “share” their homes with travelers, receive money. In our insurance world, that’s called “renting.” “House sharing,” “car sharing,” and numerous other forms of “sharing” are examples of an arrangement (some would say “movement”) called the “sharing economy,” or “collaborative consumption.” My Internet search of those terms produced over 69,000,000 hits. One source often cited as a seminal work on the subject is the book: What’s Mine Is Yours: The Rise of Collaborative Consumption. [Editors Note: Referenced book is by Rachel Botsman and Roo Rogers.]

According to Airbnb’s website, they have more than 600,000 listings worldwide, including 34,000 cities spread across 192 countries. The company was founded in 2008 in San Francisco, and was originally called Air Bed and Breakfast. The name came about because at a time when they were unemployed and desperate for money, two roommates bought some air mattresses and rented out space in their apartment. They created a website with the full name, but later shortened it to simply “Airbnb.” “HOUSE SHARING” Assume the following: (1) Jack owns a home, which is insured with an ISO HO 00 03 05 11. (2) He signs up as a “host” through one of the “home sharing” websites that facilitate the arrangement between a “host” and a “guest” – such as Airbnb, etc. (3) Jack posts his available dates, and his rental rate. (4) Jill signs up as a “guest” at the website. (5) Jill searches the available rentals, and then contacts Jack through the website to make a reservation to stay in his home as a “guest.” Jack’s Insurance – Property Coverages HO 00 03 05 11 Section I – Property C. Coverage C – Personal Property 1. Covered Property We cover personal property owned or used by an Spring 2015 • South Carolina Agent & Broker

“insured” while it is anywhere in the world. After a loss and at your request, we will cover personal property owned by: a. Others while the property is on the part of the “residence premises” occupied by an “insured”; or b. A guest or a “residence employee”, while the property is in any residence occupied by an “insured”. Comments: (1) Jack’s Coverage C applies to property of “guests” while the property is located at his house [C.1.b.]. (2) However, the ISO Homeowners Policy does not define “guest,” which can be confusing, since many of the housesharing websites use the terms “host” and “guest.” (3) But since these “guests” pay rent, the outside world – including insurance – would consider them “roomers, boarders or tenants” – see following. C. Coverage C – Personal Property 4. Property Not Covered We do not cover: f. Property of roomers, boarders and other tenants, except property of roomers and boarders related to an “insured”; g. Property in an apartment regularly rented or held for rental to others by an “insured”, except as provided in E.10. Landlord’s Furnishings under Section I – Property Coverages; Comments: (1) Under C.4.f., none of Jill’s property could be covered by Jack’s policy. Note the discussion above about Jack’s Coverage C broadly applying to the property of a “guest.” Item C.4.f. addresses the property of a person who is not a “guest,” but is a “roomer, boarder or tenant.” The ISO Homeowners Policy provides no definition of any of these terms, but in general usage, most experts hold that the distinction which separates a guest from roomers, boarders and tenants is that a guest pays no rent, and the others do. Recall also that much of the “house-sharing” literature and websites apply the terms “host” and “guest,” which is not really applicable to the pertinent insurance issues at hand. Specifically, the intent of C.4.f. seems clearly to exclude the personal property of anyone who is paying to stay at Jack’s house, whether in a room, or where they rent the entire house. (2) Under C.4.g., Jack’s property which is located in the area where Jill is staying is also excluded, IF that area is “regularly rented or held for rental.” If the rental is other than on a “regular” basis (which essentially means “occasional), Jack’s policy still covers his property in the rental area. “Regular” is not defined 12

South Carolina Agent & Broker • Spring 2015

in the policy, but if Jack is signed up as a “host” on a housesharing service such as Airbnb, it’s quite possible Jack’s insurer will argue that this implies regularity of rental. (3) However, if rental does occur on a “regular” basis, there is some limited coverage for certain “landlord furnishings” of Jack, as provided by the Additional Coverage E.10., which is referenced in C.4.g. Section I – Property E. Additional Coverages 10. Landlord’s Furnishings We will pay up to $2,500 for your appliances, carpeting and other household furnishings, in each apartment on the “residence premises” regularly rented or held for rental to others by an “insured”, for loss caused by a Peril Insured Against in Coverage C, other than Theft. This limit is the most we will pay in any one loss regardless of the number of appliances, carpeting or other household furnishings involved in the loss. This coverage does not increase the limit of liability applying to the damaged property. (4) This Additional Coverage provides: (a) limited coverage ($2,500) for Jack’s appliances, carpeting and other household furnishings in an area that is regularly rented or held for rental; and (b) for damage caused by Coverage C perils, excluding theft to such property. (5) Theft coverage for occasional rentals can be provided by endorsement HO 05 41 – see discussion under Theft in the next section below. Section I – Perils Insured Against B. Coverage C – Personal Property We insure for direct physical loss to the property described in Coverage C caused by any of the following perils unless the loss is excluded in Section I – Exclusions. 9. Theft a. This peril includes attempted theft and loss of property from a known place when it is likely that the property has been stolen. b. This peril does not include loss caused by theft: (3) From that part of a “residence premises” rented by an “insured” to someone other than another “insured”;

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Comments: (1) Jack’s policy does not cover theft by Jill from the part of his house which is rented - whether on an occasional or regular basis. This theft exclusion applies to the rental of a room, or the entire house. (2) A partial buyback for theft coverage is available by attachment of endorsement HO 05 41 10 00 Extended Theft Coverage for Residence Premises Occasionally Rented To Others. Theft coverage is provided “while the residence premises is rented in whole or in part on an occasional basis,” and applies to the part occupied by the occasional tenant, roomer, or boarder. However, three broad classes of property are not included in the coverage, including: (a) money, goldware, silverware, etc.; (b) securities, accounts, personal records, etc., and (c) jewelry, watches, furs, etc. The endorsement amends part 9.b.(3) of the theft peril (see above) as follows: HO 05 41 10 00 Under Peril Insured Against 9. Theft, Paragraph b. (3) is deleted and replaced by the following:

Neither the extended theft coverage endorsement on their homeowners policy nor the coverage provided by the facilitator covers theft or damage to cash, jewelry, securities and other similar valuables.

b. (3) From that part of a “residence premises” regularly rented by an “insured” to someone other than another “insured”, roomer or boarder. (3) Note that under ISO Rule 517, endorsement HO 05 41 can only be used with coverage forms which provide named perils coverage for Coverage C. The endorsement cannot be used with those Homeowners forms which provide special coverage (allrisk) coverage for Coverage C, including HO 00 05, or HO 00 04 with HO 05 24, or HO 00 06 with HO 17 31. The reason for this is that the forms which provide all-risk coverage for Coverage C property do not exclude theft from a part of the residence premises which is occasionally rented. In other words, with those forms, the coverage provided under HO 05 41 is already included in all-risk forms. Jack’s Insurance – Liability Coverages The primary issue to address is whether or not “house sharing” is a “business.” Excerpts from Jack’s policy: HO 00 03 05 11 Definitions 3. “Business” means: a. A trade, profession or occupation engaged in on a full-time, part-time or occasional basis; or

receives more than $2,000 in total compensation for the 12 months before the beginning of the policy period Section II – Exclusions E. Coverage E – Personal Liability And Coverage F – Medical Payments To Others Coverages E and F do not apply to the following: 2. “Business” a. “Bodily injury” or “property damage” arising out of or in connection with a “business” conducted from an “insured location” or engaged in by an “insured”, whether or not the “business” is owned or operated by an “insured” or employs an “insured”. b. This Exclusion E.2. does not apply to: (1) The rental or holding for rental of an “insured location”;

b. Any other activity engaged in for money or other compensation, except the following:

(a) On an occasional basis if used only as a residence;

(1) One or more activities, not described in (2) through (4) below, for which no “insured”

(b) In part for use only as a residence, unless a single-family unit is intended for use by the

South Carolina Agent & Broker • Spring 2015

occupying family to lodge more than two roomers or boarders; or (c) In part, as an office, school, studio or private garage; Comments: (1) In general, the business exclusion would only come into play if Jack receives more than $2,000 in the year prior to the inception of his current policy (see 3.b.(1) in the definition of “business”). Many experts have questioned the rationale for this timeframe guideline. The deciding factor in whether or not renting (“sharing”) his house (in whole or in part) is a “business” is based on how much money he made in the 12 months prior to his current policy term. Nonetheless, the amount of revenue Jack receives is one of the key factors which play a role in determining whether or not the business exclusion applies. (2) Assuming Jack has exceeded the income threshold, the next issue in the business exclusion is the extent and frequency of rental. There are three exceptions to the business exclusion on this point. First, if a rental is “occasional,” the exclusion does not apply (see Exclusion E.2.b.(1)(a)). Note that “occasional” is not defined, and this has resulted in confusion, uncertainty, and litigation. Second, under E.2.b.(1)(b), if Jack rents only a part of his residence, the exclusion does not apply, even if the rental is on a regular basis, which is probably common for many who participate as hosts in “house sharing” arrangements such as Airbnb. However, if Jill brings more than two people with her (as “roomers or boarders”), this would probably trigger the exclusion. Third, under E.2.b.(1)(c), Jack could rent a part of his house as an office, school, studio or private garage on an occasional or regular basis without triggering the exclusion. Interestingly, on May 21, 2014, the Wall Street Journal reported that Airbnb had reached a settlement with New York Attorney General Eric Schneiderman, to turn over information about its approximately 15,000 hosts in New York City. The dispute between the two parties has been ongoing for months, with AG Schneiderman alleging that the city and state have lost millions of dollars in uncollected hotel-related taxes. Schneiderman has said that “We are going to pursue anyone who’s running illegal hotels.” Insurance provided to hosts by the facilitator. Using Airbnb as just one example of a “house sharing” facilitator, their website indicates that they provide a “$1,000,000 Host Guaranty.” This coverage applies to “damages to covered property in the rare event of guest damages.” However, among the exposures not covered are “personal liability, cash and securities, collectibles, rare artwork, jewelry, and pets.”

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Other types of “house sharing.” As noted earlier, the participants in the “sharing economy” use the word “sharing” in much broader terms than much of the business world would, including insurance. An Internet search will produce many other types of living arrangements that are consider as “house sharing.” Here are just a few examples. Example #1. National Shared Housing Resource Center. http:// nationalsharedhousing.org/ Description from their website: Home Sharing is a simple idea: a homeowner offers accommodation to a homesharer in exchange for an agreed level of support in the form of financial exchange, assistance with household tasks, or both. The community is also a beneficiary of Home Sharing. Shared living makes efficient use of existing housing stock, helps preserve the fabric of the neighborhood and, in certain cases, helps to lessen the need for costly chore/care services and long term institutional care. A home sharer might be a senior citizen, a person with disabilities, a working professional, someone at-risk of homelessness, a single parent, or simply a person wishing to share his or her life and home with others. For these people, shared housing offers companionship, affordable housing, security, mutual support and much more. Home Sharing programs can offer a more secure alternative to other roommate options. Many programs have staff who are trained to carefully screen each program applicant through interviewing, background checking, and personal references. Comments: (1) Assume that Jack was a senior citizen homeowner, for example, and Jill agreed to live in his house as a “homesharer,” in exchange for “an agreed level of support in the form of financial exchange, assistance with household tasks, or both,” as outlined in the NSHRC description. Note that the definition of “business” in Jack’s Homeowners Policy includes “Any other activity engaged in for money or other compensation.” Therefore, if Jack’s total compensation exceeds $2,000 annually, the threshold might be met. However, since Jill most likely has a designated room to live in, this would be within the exception to the business exclusion, since Jack rents his house “in part.” And, of course, Jill needs an HO-4 Tenant’s Policy, since she is not an “insured” in Jack’s HO. Example #2. CoAbode – Single Mothers House Sharing. http://www.co-abode.com/ Description from their website: CoAbode’s mission is to provide support and services that connect women raising children alone. Thru this connection, single parent women families pool their finances and resources 16

South Carolina Agent & Broker • Spring 2015

to improve their living conditions for themselves and their children by sharing a home. CoAbode was founded on the principle that two single moms raising children together can achieve more than one struggling alone. Through a variety of community based programs CoAbode provides single mothers with affordable housing opportunities, specialized support groups, educational scholarships, community outreach and involvement as well as referrals to vital resources designed to make parenting a child alone easier, healthier and more secure. Comments: (1) CoAbode’s website describes their service as “mommatching,” which facilitates connecting single moms who own a home with single moms who are looking for a place to rent. In cases where neither owns a home, CoAbode seeks to connect single moms who wish to pool their financial resources in order to afford a home or apartment to rent. (2) Where one of the moms owns the home and the other will live there as a tenant, the insurance exposures are the same as the arrangement discussed for the National Shared Housing Resource Center. Example #3. “House Sharing for Boomer Women Who Would Rather Not Live Alone.” This is the title of an article on the AARP website, and includes examples of various forms of “house sharing.” In some of the examples, the “home sharers” actually jointly purchase a home. Bottom line for the insurance professional: Be aware that the term “house sharing” can mean many different things. “CAR SHARING” “Car sharing” operates in several forms. And much like “house sharing,” few of the “car sharing” arrangements are actually “sharing,” in the everyday use of the term. Other terms associated with “car sharing” are “personal vehicle sharing” and “ride sharing.” “Car sharing” and “personal vehicle sharing” often indicates forms of micro-rentals, and the terms are frequently used interchangeably. However, one important difference is that a “personal vehicle sharing program” involves renting one’s own auto to others for a short period of time, under a specific program. The insurance industry, as well as some state legislatures and regulators, have begun to focus on “Personal Vehicle Sharing Programs.” See further discussion in the “Actions by Regulators, Legislatures, & Insurers” section below. The other common form of “car sharing” (not involving a Personal Vehicle Sharing Program) typically means renting an auto from a micro-rental company for a short time. “Ride sharing” is using one’s own auto to transport people or property for a fee.

In the discussion below, assume the following: (1) Jill owns an auto; (2) her auto is insured under an ISO PAP PP 00 01 01 05; (3) she is the named insured. Here are three of the most common types of “car sharing.” Example #1: Jill uses her auto to transport people (or run errands for people), for a fee. • Example #2: Jill rents her car to Jack for a few hours. • Example #3: Jill rents a car for 3 hours for her own personal use, from a car sharing company. Following is a comparison of these three forms of car sharing. Example #1: Jill uses her auto to transport people (or run errands for people), for a fee. This is an example of “ride sharing.” Two of the best-known programs are Uber (uber.com) and Lyft (lyft.com). These and similar businesses provide what is essentially a taxi service. They serve as the facilitator between vehicle owners and passengers who need a ride. Both have sophisticated websites and mobile apps. However, their growing popularity has caught the attention (and ire) of the taxi industry and regulators. Another form of this type of arrangement is for vehicle owners to connect with people who need errands run, such as picking up groceries, dry cleaning, and so forth. One of the most successful of this type of business is probably TaskRabbit •

(taskrabbit.com). According to their website, the firm was started in 2008 when a woman realized late one night that she was out of dog food. She had the idea that if there was a way to connect with friends who might already be at, or near, the store, it would save her a trip, and also provide a little extra income for people who were willing to run errands for others. Assuming Jill decides to use her car by signing up with Uber, Lyft, or TaskRabbit, here are some coverage issues she should consider. Jill’s PAP PP 00 01 01 05 Part A – Liability Coverage Exclusions A. We do not provide Liability Coverage for any “insured”: 5. For that “insured’s” liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance. This Exclusion (A.5.) does not apply to a share-the-expense car pool. Comments: (1) In the opinion of most experts, using one’s auto as a public taxi or delivery service is clearly within exclusion A.5. At the same time, picking up and delivering someone’s groceries, dry cleaning, etc. for a fee is generally considered different from

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Spring 2015 • South Carolina Agent & Broker

delivering items for one’s employer, such as pizza, or taking the money bag to the bank for deposit, etc. Here is a detailed article on the scope of exclusion A.5 in Virtual University “The Public or Livery Conveyance Exclusion.” Example #2: Jill rents her car to Jack for a few hours. A very different form of “car sharing” is when individuals rent their autos to others for a short time, and has become known as a “personal vehicle sharing program.” There are numerous platforms for this activity, and two of the most widely known are RelayRides (relayrides.com) and GetAround (getaround.com). This type of arrangement is also referred to as “Peer-to-Peer sharing” or “P2P sharing.” Despite the moniker, this is clearly an auto rental endeavor, and the websites and blogs emphasize both the lucrative income opportunities for vehicle owners, and the convenience for renters. As to coverage in Jill’s PAP, many experts hold the view that the exclusion for a vehicle “while being used as a public or livery conveyance” (see A.5. above), would apply to Jill’s auto while Jack is driving it. Since she advertises the auto for rent on a public forum, this seems a reasonable view of the exclusion. However, while there is not unanimity on the issue, and sparse case law, the safe assumption for Jill is that her PAP in all likelihood would not apply during the time Jack was driving her car. At the same time, most facilitators such as RelayRides and Get Around do provide insurance during the rental period, although the coverage details have not been reviewed for this article. Within the last few years, a number of states have enacted laws regarding these “Personal Vehicle Sharing Programs.” In addition, the Insurance Services Office (ISO) introduced an endorsement in 2013 relating to these programs. See further discussion below. Many experienced insurance practitioners have considerable reservations about the wisdom of renting one’s auto to virtual strangers. And as one example validating this reluctance to embrace such new ideas, “Exhibit One” would be the “car sharing” firm HiGear. They were a facilitator between owners and short-term renters of luxury, high-end cars such as Lamborghini, Aston Martin, Mercedes, BMW and others. HiGear began in 2011, but after only a few months, they ceased operation. A criminal ring stole 4 autos totaling over $400,000 by using fake identifications and stolen credit cards. In a letter to HiGear members, the company acknowledged the difficulty of eliminating fraud in this type of endeavor, and felt it best not to risk any future losses to members’ high-value autos. 18

South Carolina Agent & Broker • Spring 2015

“Car sharing” is a term that can mean several different things. The area of meaning causing the most concern with South Carolina legislators this session is mobile apps that facilitate people to find and pay for transportation from local people using their personal vehicles. Example #3: Jill rents a car for 3 hours for her own personal use. Micro-rentals have proven to be enormously popular, primarily in urban areas, and near college campuses. Easily the best-known among the many micro-rental firms is Zipcar (http://www.zipcar.com). And owing to the success of firms like Zipcar, the big national car-rental firms have also added micro-rental operations to their brand. Two of the biggest players are Enterprise Car Share (http://www.enterprisecarshare. com) and Hertz24/7 (http://www.hertz247.com/Lowes/en-US/ Home). In addition, local brands proliferate in many regions across the country, one example being CityCarShare (https:// www.citycarshare.org), a non-profit organization in the San Francisco Bay area. In all these micro-rental firms, the autos are owned by the business, and differ from traditional car rentals mostly in that the term of rental can be hourly, vs. the standard daily basis. So their inclusion in the “car sharing” spectrum is perhaps in no small part an effort to capture some of the cache’ of the “sharing economy” movement. It is also important to note that while these businesses are associated with “car sharing,” they are different from “personal vehicle sharing programs,” in which the autos are owned by individuals. As to the insurance issues, the exposure for renting a car from a micro-rental company such as Zipcar should not be any different than the traditional car rental. While the micro-rental firms include insurance for the renter, there is one potential gap that renters need to be aware of. Due to the concentration of micro-rental firms in areas where some people do not own autos, there is a need for these drivers to have some form of auto insurance in situations where they are involved in auto accidents as pedestrians, or while driving a friend’s car, etc. One common source of coverage, especially for college students, is to be covered as family members under the parents’ PAP. Otherwise, a Named Non-Owner PAP would be needed. Copyright 2014 © Independent Insurance Agents & Brokers of America, Inc. All rights reserved. Reprinted with permission.

Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

Agency Nation: What the heck is it? And why do we need it?

By Chip Bacciocco, CEO, TrustedChoice.com

ince the recent launch of AgencyNation.com, the No. 1 question I get is: “What the heck is Agency Nation, and why do we need it?” The short answer is that Agency Nation is a new resource dedicated to helping you grow your agency. It is intended to provide structured training exercises to educate you and your staff on specific sales, marketing and automation activities to grow your business. The long answer, however, tells the story of how it came to be and the challenges its creators were trying to solve to better answer why you’d need it. Even before we launched TrustedChoice.com we were acutely aware that we needed an accompanying information and resource center where agents could discover everything they needed to know about digital marketing and how TrustedChoice.com could help them succeed online. In fact, as early as the spring of 2013, IIABNY CEO Dick Poppa and I were talking about the need to create a comprehensive training and education resource for agents because we both considered it critical to our success with the Consumer Portal. I was getting similar input from other state associations and agents across the country. At TrustedChoice.com we’ve been asking ourselves: 1. Do we need to provide a free online education platform where independent agents can learn what they need to know to successfully market their agencies online?

South Carolina Agent & Broker • Spring 2015

2. Do we need to inform agents about the benefits of participating on TrustedChoice.com as part of that education? 3. Do we need to offer agents a forum for collaborating on digital marketing strategies and tactics? Do we need a way to share ideas about how to market ourselves online? Should we provide a forum to debate these ideas, offer alternatives and discover/share best practices? 4. Should this be a crowd-sourced resource for our industry? Do we want active participation, contribution and feedback from all interested members of our industry – including agents, carriers, association executives, service providers, technologists and researchers? 5. Do we need to create and publish content to fulfill this mission? Do we need to post videos, blogs, white papers, podcasts, discussion threads and other educational materials to communicate all of these ideas? Our answer to all of those questions was repeatedly “YES.” We needed to do all of this and more. What kind of education and training content were we imagining? “Whatever would succeed

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at engaging the most agents” is the simplest answer. Our next question was much harder to answer: Where do we put all of it? We need to create a fairly massive and continually growing online resource center, which needed to be easy to find and inviting for agents to engage with. We had some logical first choices (which we considered and eventually dismissed).

either. The most important reason being its audience. ACT’s focus has always been on technology, automation and integration. The users of ACT tend to be CTOs, CIOs and IT folks, not the agency principals, producers and agency marketing managers who we think should be the core audience for this online learning center for agents on digital marketing strategy.

TrustedChoice.com. This was the first, most obvious place we considered, but we just as quickly realized it wasn’t the best place. TrustedChoice.com is completely consumer-focused. Everything on it is oriented to educating consumers on the value proposition of independent agents, helping them become informed and empowered buyers and helping them find the right independent insurance agent. Its consumer focus has been very carefully engineered and is a big part of our SEO strategy. If we dilute our content focus on the site by attempting to serve more than one audience, we risk confusing Google about what our site is about and who they should be sending our way. If we devoted a significant portion of TrustedChoice.com to hosting an agent education and training resource center, Google search algorithms would not understand how to deal with all the extra information. This incongruity would hurt our ability to grow traffic to the consumer website, grow the brand image of Trusted Choice with consumers and generate leads for participating members, which is of course our core purpose.

So what’s left? The only remaining option we could think of was to build a new website with a unique web location, AgencyNation. com. It would be domain-separated from TrustedChoice.com so we don’t confuse consumers or Google, thereby compromise our branding or SEO strategy. It would be a site that promotes TrustedChoice.com and the Trusted Choice national co-brand for independent agents and the Big “I” state and national associations without being a sales platform for any of them. That’s what AgencyNation.com is. Things you can expect to find include:

ProjectCapMarketing.com. Originally, this was another obvious consideration for a home to the education and training resources we had to offer. It is a former website of TrustedChoice.com where agents could learn about and purchase various digital marketing services and products. But this site no longer exists. It was essentially a sales website for the former Project CAP, not intended to be an open and collaborative education resource center for independent agents. We didn’t think agents would accept it as such. IndependentAgent.com. We could have asked the national association if they would consider hosting our digital marketing education and training resource center. However, we’ve purposefully kept the Consumer Agency Portal separate from IIABA since the very beginning. IndependentAgent.com is the official website of the IIABA and by extension all of the state associations and the subsidiary arms of the association (Invest, Big I Markets, InsurPac, ACT, etc.). IndependentAgent.com is where agents (and Google) expect to find information about the official activities of the association – things like legislative and regulatory issues, membership issues, member benefits, etc. We didn’t fit then, and we still don’t. Why put them together now? ACT.org. We did briefly consider asking ACT if they would host the resource center, but we concluded it wouldn’t work there 22

South Carolina Agent & Broker • Spring 2015

•

Blog items with titles like “What is SEO, how does it work and why does it matter?” and “5 simple things you can do to drive more traffic to your agency website next month” or “How does actively participating on TrustedChoice.com improve your agency’s search rank on Google” and “How does TrustedChoice.com attract web traffic and what kinds of consumers go there,” etc.

•

Videos on subjects like “Success Stories from Three Agencies that Do Digital Right” and “Responding to new customer inquiries in internet time” and “How phone trees can turn off internet prospects” and “How to maximize the effectiveness of your Agency Profile on TrustedChoice.com,” etc.

•

Podcasts of interviews with industry leaders like carrier executives, association executives, prominent agents, etc.

•

A library of training materials detailing everything related to participating on TrustedChoice.com in downloadable PDF format, etc.

•

Infographics that explain how Social Media works and how agents can tie into these organic networks to market their agencies, etc.

•

Discussion threads where agents can pose their own topics and ideas and/or respond to others’ posts with comments, feedback, etc.

We think it’s going to be a tremendous help to you. We hope you check it out soon.

IIABSC 117th Annual Convention

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Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

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Employee or Independent

t I s e o D

By Christopher Boman & Boris Sorsher Fisher & Phillips LLC

Some employers may be tempted to misclassify workers because they believe that the government is unable or unwilling to audit or fine them due to a lack of resources. While this may have been true in the past, in recent years a number of state and federal agencies have begun to aggressively police this issue.

Every employer eventually tackles the question of whether its labor force is composed of employees, independent contractors or a combination of both. The appeal of the independent contractor classification is understandable because the benefits are significant, including the elimination of the need to pay payroll taxes, secure workersâ&#x20AC;&#x2122; compensation insurance or make unemployment insurance withholdings. Independent contractors also do not receive overtime pay, or meal /rest breaks. Not surprisingly, many employers simply assume that an independent contractor classification is defensible and that if it is challenged, a finding that the employee was misclassified will not cause any serious harm. This assumption is wrong. 26

South Carolina Agent & Broker â&#x20AC;˘ Spring 2015

Contractor:

Y T I L I B A LI

? r e t t a M y l Real LIABILITY FOR MISCLASSIFYING EMPLOYEES Misclassifying employees has very serious consequences. Failing to properly classify workers can subject the employer to administrative enforcement actions, civil penalties, fines, unpaid wages, class-action and representative-action lawsuits, and the assessment of back taxes, premium payments and related penalties. In addition, misclassification in certain industries, such as general contracting, or in certain states, such as California, could result in discipline or even license revocation from state licensing boards. Some employers may be tempted to misclassify workers because they believe that the government is unable or unwilling to audit or fine them due to a lack of resources. While this may have been true in the past, in recent years a number of state and federal agencies have begun to aggressively police this issue. Moreover, because wage and hour laws in many states allow attorneys to recover fees in a private lawsuit filed against employers who misclassify workers, attorneys are now highly motivated to pursue claims on behalf of independent contractors either on an individual or class basis. When these claims are filed as class actions, every worker you hired as an independent contractor over the past few years may join in and the resulting damages can easily bankrupt a company. Although the consequences of misclassifying employees can be disastrous, itâ&#x20AC;&#x2122;s possible to avoid liability and lawfully classify service providers as independent contractors. In order to do so, you must be able to show that they satisfy the tests for determining independent contractor status. INDEPENDENT CONTRACTOR TESTS There are a number of different tests used by the Internal Revenue Service (IRS), state agencies and courts, federal courts and the U.S. Department of Labor to decide if the service provider is a genuine independent contractor. While the tests are all slightly different they contain three key similarities. First, all of the tests use multiple factors to determine if

someone is an employee or a genuine independent contractor. Second, the tests all agree that the existence of an independent contractor agreement will not on its own establish that someone is an independent contractor. Third, they all focus on the level of control that the employer has over the worker. If the employer has significant control over the individual, including how services are performed and treats that individual as their employee, then that individual is most likely an employee. But if the individual has a great deal of autonomy and is not subject to the control of the employer, then the person likely will qualify as an independent contractor. In conducting their independent contractor tests, courts and government agencies ask a number of key questions. No single question will decide the issue but the answers to each of these questions will tilt the scale in favor of a finding that the individual is an independent contractor or an employee. These questions include: Does the Employer control how, where and when the person performs the work? The more control you have over the way someone does their job, the more likely it is that the person is an employee. For example, if you develop strict guidelines and provide extensive training on those guidelines, the person doing the job is more likely to be an employee. If you set the personâ&#x20AC;&#x2122;s work schedule and work hours, this will weigh in favor of an employer-employee relationship. If you control the location where the work must be performed, this too will weigh in favor of the existence of an employeeemployer relationship. Specifically, if the service can be provided offsite or from home but the individual is required to work from your facility, that will be clear evidence of an employer-employee relationship.

Who provides the tools and materials? If you provide or pay for all of the tools and materials necessary to do the work, then the person performing Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

the service is more likely to be an employee. This includes reimbursement obligations that you assume. What is the length of the job? If the person performing the service is hired for one short project, the person is likely an independent contractor. But if the individual remains on staff for a long period of time, the person is more likely to be an employee. How is the person paid? People paid by the job are more likely to be independent contractors. Those paid by the hour or a regular salary are more likely to be employees. Does the individual provide the type of service normally provided by the employer? If the individual is hired to provide the essential work offered by the company, the person is typically going to be considered an employee. For example, if an air conditioner installation business hires someone to do masonry work on its building, the work is not essential to installing air conditioners so this individual will likely be an independent contractor. On the other hand, if the same company brings in another person to help finish installing an air conditioner, that person is probably going to be deemed an employee. Is the contractor working elsewhere? If those providing the service work full time or close to full time for the employer and do not work for other employers, they are more likely to be considered employees. But if a person works for several companies at the same time for just a few hours per week, that person is far more likely to be found to be an independent contractor.

cannot be terminated at any time without violating the terms of a contract or suffering consequences for the incomplete project. Is it possible for the contractor to lose money on the project? If the project runs longer than anticipated or involves higher material costs than anticipated, a contractor can lose money on the project. Employees never have to encounter this problem since they are paid the same regardless of the material or labor costs. Therefore, if the service provider takes on a financial risk by taking the job, he or she is more likely to be an independent contractor. This list of questions is not exhaustive and cannot substitute for the guidance of a skilled employment law attorney. However, it is a good place to start when examining if your classification of labor providers as independent contractors is correct. Fisher & Phillips, founded in 1943, is one of the oldest and largest labor and employment law firms concentrating its practice exclusively upon representation of employers. For more information, please visit our website at www .laborlawyers.com. The authors may be reached at CBoman @laborlawyers.com and BSorsher@laborlawyers.com or at 949-851-2424.

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Did the parties create a written independent contractor agreement? If there is a written agreement between the parties stating that an independent contractor relationship exists, this will help establish the existence of an independent contractor relationship. But as explained above, the fact that the agreement exists alone is not enough to show that the service provider is an independent contractor. Does the company mandate training? Required training sessions will be evidence of an employeremployee relationship. Can the worker terminate the job at any time without Liability? Absent an employment contract, an employee is free to quit and walk off a job at any time or can be fired by the employer at any time without liability to either party. A contractor though 28

South Carolina Agent & Broker â&#x20AC;˘ Spring 2015

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Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

Young Agents Joint Conference w/ North Carolina Big “I”

July 30–August 2 Asheville, NC A conference especially for your agency’s employees aged 40 or younger, to support their interests and development needs in the areas of leadership, sales, relationship building and participation in the political process as well as some of the more technical aspects of the industry. This year we are teaming up again with the North Carolina Young Agents for a Mountain Weekend!

TENTATIVE AGENDA:

(View website for up-to-date information) Thursday, July 30

Saturday, August 1

2:30–4:00 p.m.

Exhibitor Set-up

8:00–9:00 a.m.

Breakfast with exhibitors

4:00–6:00 p.m.

Registration Open

9:00–10:15 a.m.

CE Session (“Legends Panel”)

4:00–6:00 p.m.

Welcome Reception

10:15–11:00 a.m.

Break/Networking with Exhibitors

11:00 a.m.

Exhibitor Breakdown

Friday, July 31 8:00–9:00 a.m.

Breakfast with Exhibitors

9:00–10:45 a.m. CE Session (Jason Peacock- jasonpeacockinc.com/) 10:45–11:30 a.m.

Break/Networking with Exhibitors

11:30 a.m. –12:30 p.m. Breakout Sessions (3 concurrent sessions) 12:30 p.m.

Free time/LUNCH on own

2:00–5:00 p.m. Optional Activity (Zen Tubing- zentubing.com)

11:00 a.m.–Noon Breakout Sessions (3 concurrent sessions) Noon

2:00–4:00 p.m. Group Activity (LaZoom- lazoomtours.com) 7:00–10:30 p.m.

South Carolina Agent & Broker • Spring 2015

Children’s Program

7:00–11:00 p.m. Dinner and Entertainment (Nitrograss- nitrograss.com/)

Sunday, August 2 8:30–9:30 a.m.

Free time/LUNCH on own

Breakfast

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2014

InsurPac contributors

InsurPAC is the political action committee of our national association. Funds are raised through voluntary personal contributions from independent agents and brokers across the country. With these funds, InsurPAC helps elect candidates and re-elect members of Congress who share our business philosophy. It is also the simplest way for agents to take action and participate in the legislative process. Our federal governmental affairs program had two wins in early 2015 with the passage of the Terrorism Risk Insurance Program

Millennium Club

Reauthorization of 2015, which both extended the federal terrorism insurance program and established the National Association of Registered Agents & Brokers to streamline nonresident licensing. We sincerely thank everyone listed below for contributing at a level at which they were comfortable, and encourage members to do the same in 2015 in order to replenish funds for the next election cycle. For more info, please contact our state InsurPac Chairman Gus Brabham at gus.brabham@regions.com or 803.351.3743.

L Victor Jowers Jr., Upchurch & Jowers Ins. Agency Larry Joyner, CWS Ins Agency Inc Charles Paul Midgley Jr., Midgley Agency, Inc. Benjamin Myers, Russell Massey & Co Inc. Centennial Club Ryland Shaw III, Atlantic Shield Insurance Group Julius Anderson Jr, Anderson Ins Assocs LLC Tom Bates Jr., Herlong Bates Burnett Insurance, Inc. Vance Stine, Sifford-Stine Insurance Agency, Inc. Terry Tadlock, Coastal Plains Insurance, LLC Angus Brabham IV, Regions Insurance Andrew Theodore, Theodore & Associates Insurance Ashley Brady, First Charter Co Inc Peter Burrous, Johnson & Johnson, Inc. Mgrs. CMGA Christopher Tidwell, Tidwell Agency, Inc. Gary Cornell, AFCO/Prime Rate Premium Finance Charlotte Tilton, CSP Insurance Services Garrett Wreden, Kinghorn Ins. Agency of Beaufort Kenneth Finch, Adams Eaddy & Associates James Galloway Jr., Peoples First Insurance Founders Club Kathy McKay, McKay Insurance Inc Brandy Baker, Countybanc Insurance, Inc Robert Scott Moseley, Irmo Insurance Agency Inc Faye Bradham, Bradham Ins Agency James Rowe, Kinghorn Insurance Services, Inc. Jeffrey Brice, Tilghman Insurance of Myrtle Beach G Frank Sheppard, IIABSC C. Fletcher Carter, Pinckney - Carter Company, Inc James Taylor Jr., Kinghorn Ins. Agency of Beaufort William Carter, Pinckney-Carter Company C Ross Turner III, The Turner Agency, Inc. Beth Chastie, IIABSC Cary Wilson, Smart Choice Agents of SC Paul Clark, Adams Eaddy & Associates Laura Cornell, IIABSC Gold Club William Eaddy, Adams Eaddy & Associates William Bowers, Russell Massey & Co Inc. Brian Eanes, Anderson Ins Assocs LLC John Braddy, Braddy Insurance, Inc Susan Edenfield, Anderson Ins Assocs LLC Harrison Cline, The Furman Co. Ins Agency, LLC James Elliott, Correll Insurance Group John Cook, John T Cook & Assocs Robert Hammett, CWS Ins Agency Inc Dana Groome, Peoples Underwriters, Inc. Wade Hardin, CWS Ins Agency Inc Willard Silcox III, C. T. Lowndes & Company Melody Herring, Russell Massey & Co Inc. Paul Steadman, The Steadman Agency Inc Harry Lovelace, Correll Insurance Group Richard Walker, CSP Insurance Services Rebecca McCormack, IIABSC Phillip Wright, Smart Choice Agents of SC Felix McLellan Jr., Dillon Insurance Agency, Inc. Teresa Yount, Correll Insurance Group, Inc. William O’Shields, Correll Insurance Group, Inc. Rudolph Painter, Countybanc Insurance, Inc Pioneer Club Thomas Suggs, Keenan & Suggs, Inc Harold Adams, Gallagher Charitable International Curtis Taylor, Herlong Bates Burnett Insurance, Inc. Curtis Bull, The Turner Agency, Inc. Robbie Templeton, Countybanc Insurance, Inc Edward Bynum, Bynum Insurance Tonya Thomason, David A Crotts & Associates Jay Campbell, CSP Insurance Services Nate Toms III, CWS Ins Agency Inc Stephen Cannon, Law Insurance Agency, Inc. Rae Whisenant, CWS Ins Agency Inc Michael Carriker, Waccamaw Insurance Services David Cyphers, Sifford-Stine Insurance Agency, Inc. Stephen Williams, CWS Ins Agency Inc Arthur Yex, CWS Ins Agency Inc Charles Dorton, Russell Massey & Co Inc. Paul Durban, Durban Laird’s, Inc. General Contributors Kent Edwards, Correll Insurance Group, Inc. Debra Adams, Correll Insurance Group Lee Ellis, Ellis Realty & Insurance Agency, Inc. Mark Allen, 1st Capital Ins Haley Everett, Jackson, Sumner and Associates Jeffrey Althoff III, Lowcountry Insurance Service Mark Felk, Brown & Brown of South Carolina, Inc. Jeff Althoff, Lowcountry Insurance Services, LLC Paul Grich, CSP Insurance Services Tara Anderson, Chandler Insurance LLC Richard Hutson Jr., William Means Co Insurance James Ashley Jr, Adams Eaddy & Associates James Jordan, CSP Insurance Services Bryan Atkins, Travelers Jon Jensen, Correll Insurance Group

South Carolina Agent & Broker • Spring 2015

Glenn Backus, Liberty Mutual Chris Bagwell, Carolina Insurance Group of SC Inc Christine Baker, Adams Eaddy & Associates Carol Ballenger, Correll Insurance Group, Inc. Michelle Banks, Hutson-Etherredge Companies Linda Barnes, Countybanc Insurance, Inc Maria Barrantes, Correll Insurance Group, Inc. Stephanie Barton, Chandler Insurance LLC Ryan Bass, Imperial Premium Financing Specialists Angela Berry, Citizens Insurance Agency, Inc. Ruth Ann Betham, Citizens Insurance Agency, Inc. Christina Biddle, Lowcountry Insurance Services Kymberley Bigda, Coastal Plains Insurance, LLC Gina Bloomer, Correll Insurance Group William Boswell III, Capstone Insurance Services Peggy Bowers, Countybanc Insurance, Inc Ruth Brady, First Charter Co Inc Bob Briante, Montgomery Insurance Co Ann Bridges, Correll Insurance Group, Inc. Tammy Brookshire, Countybanc Insurance, Inc John Broyles, Standard Premium Finance Kassie Bryant, Coastal Plains Insurance, LLC Tammy Bryant, Chandler Insurance LLC Jolene Buchanan, Coastal Plains Insurance, LLC Connie Bullard, Braddy Insurance, Inc Mark Burdette, Chandler Insurance LLC Christina Burnett, Coastal Plains Insurance, LLC Lynne Burnett, Correll Insurance Group Angele Byrne, Coastal Plains Insurance, LLC Heather Callahan, Lowcountry Insurance Services Candy Campbell, Correll Insurance Group Diane Cannup, Adams Eaddy & Associates Tom Carlisle, Turbeville Insurance Agency Debra Carter, Countybanc Insurance Kelley Cash, Correll Insurance Group, Inc. Dennis Catoe, Builders Mutual Insurance Co. Barbara Causey, Braddy Insurance, Inc Derrik Chandler, Chandler Insurance LLC Sanford Chandler, Chandler Insurance LLC John Chapman Jr.,Coastal Plains Insurance, LLC Mildred Chavis, Countybanc Insurance, Inc Rich Chiaviello, Lowcountry Insurance Services Jack Christie, 1st Capital Ins Heather Clark, Braddy Insurance, Inc Jackie Clayton, Correll Insurance Group Kevin Clegg, Coastal Plains Insurance, LLC James Coleman, The United Agency Jeffry Colet Jr., Russell Massey & Co Inc. Rhonda Conner, Lowcountry Insurance Services J Scott Coon, Travelers Insurance

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Spring 2015 • South Carolina Agent & Broker

2014 InsurPac Contributors â&#x20AC;&#x201C; continued Benjamin Correll, Correll Insurance Group, Inc. Donna Courtney, John T Cook & Associates Carrie Cox, John T Cook & Assocs J. Ryan Creamer, Chandler Insurance LLC Drew Cyphers, Outlier Studios Ann Daniel, Correll Insurance Group Jennifer Davis, Braddy Insurance, Inc Pamela Day, Correll Insurance Group, Inc. Mollie Dent, Adams Eaddy & Associates Alex Dickson, Adams Eaddy & Associates Doris Dillard, Lowcountry Insurance Services, LLC Connie Dolan, Coastal Plains Insurance, LLC Angela Douda, Adams Eaddy & Associates Ginger Douglas, Adams Eaddy & Associates Christy Dubuque, Lowcountry Insurance Services Michael Dunnett, The Hartford Beverly Duvall, Herlong Bates Burnett Insurance William Paul Eaddy Jr., Adams Eaddy & Associates Ryan Eaddy, Adams Eaddy & Associates John Benjie Ehlers, Kinghorn Insurance Services Deanna Ermson, Correll Insurance Group, Inc. Jennifer Eskew, John T Cook & Assocs McGee Faircloth, John T Cook & Associates Timothy Faulhaber Sr., Correll Insurance Group Susan Finley, Herlong Bates Burnett Insurance, Inc. Cecilia Fournil, Vista Insurance Group William Fowles, Adams Eaddy & Associates Stephanie Freeman, Herlong Bates Burnett Ins. William Fuge II, Kinghorn Insurance Agency LLC James Galloway, Peoples First Insurance Bryce Garman, Genesee General Janet Garrett, The United Agency Rhonda Garrett, Countybanc Insurance, Inc Bobby Garrison, Bushman Farms Chris Gibson, Lowcountry Insurance Services, LLC Debra Gist, Correll Insurance Group, Inc. Thomas Glaz, Adams Eaddy & Associates Kimberly Gore, HUB International Southeast Shannon Graham, First Charter Co Inc Lindsey Green, Lowcountry Insurance Services Jane Greene, Lowcountry Insurance Services Inc Mike Greenhall, Amerisafe Pat Gregersen, Adams Eaddy & Associates Kelly Hall, Davis-Garvin Agency, Inc Meghan Haller, Herlong Bates Burnett Insurance Alice Hamm, Auto-Owners Insurance Willard Hanna, First Palmetto Insurance Agency Angelee Harris, Countybanc Insurance, Inc Wendy Harvey, Coastal Plains Insurance, LLC Meredith Helms, Lowcountry Ins. Services, LLC Michael Herlong, Herlong Bates Burnett Ins. Cheryl Hiers, John T Cook & Assocs Robert Hiers, John T Cook & Assocs Elizabeth Hinen, Adams Eaddy & Associates Christy Hobson, Herlong Bates Burnett Ins., Inc. Darrell Hood, Correll Insurance Group Angela Horton, Correll Insurance Group, Inc. Carmen Horton, Correll Insurance Group James Hudson, Coastal Plains Insurance, LLC Nick Hunt, Lowcountry Insurance Services, LLC Melissa Hurst, Herlong Bates Burnett Insurance Pat Hurst, Correll Insurance Group, Inc. Joyce Hyder, Landrum Insurance Agency, Inc. Marla Jackson, Adams Eaddy & Associates

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Spring 2015 • South Carolina Agent & Broker

South Carolina Agent & Broker â&#x20AC;˘ Spring 2015

June 29 - 30 Orangeburg, SC

Sponsorships available! www.iiabsc.com/jrgolf

Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

Thank you,

Palmetto Partners The Palmetto Partners program is a simplified way for companies, brokers and vendors to support us and all our big events on an ongoing basis.

Diamond Level Johnson & Johnson Progressive Insurance Safeco Insurance UPC Insurance Co. IIABSC Agency

Silver Level

Platinum Level

Liberty Mutual Insurance

Gold Level

Cornerstone National Insurance Co. Jackson Sumner & Associates Phenix Mutual Fire Insurance Co. St. Johns Insurance Company

Bronze Level

AFCO/Prime Rate Premium Finance American Strategic Insurance Frontline Insurance Imperial PFS Main Street America Group National Security Fire & Casualty Co. Preferred Specialty, LLC Prime Insurance Co. RPS SCU Southern Ins. Underwriters Travelers Wright Flood

Access Insurance Co. Accident Fund Ins. Co. of America Allstate Insurance Amerisafe Auto-Owners Insurance Co. Bankers Insurance Group Berkley Southeast Insurance Group Capitol Preferred Insurance Co. & Southern Fidelity Centauri Specialty Insurance Co. Central Insurance Co. Genesee General Hanover Excess & Surplus

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Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

South Carolina Agent & Broker â&#x20AC;˘ Spring 2015

Calendar

View up-to-date calendar, course descriptions and register using our online Education & Event Calendar at www.iiabsc.com/education

m m

CLASSROOM COURSES WEBCAST/WEBINAR - no test required for CE Credit

April

May

Employment Law and the Insurance Agent, 2 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

CISR Personal Residential, Hilton Head, 7 hrs. P&C

CISR Elements of Risk Management, Rock Hill, 7 hrs. P&C

CISR Commercial Casualty I, Greenville, 7 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

E&O Risk Management, Meeting the Challenge of Change, Charleston,

CISR Commercial Casualty I, Charleston, 7 hrs. P&C

3 hrs. P&C & 3 hrs. Ethics

Shake, Rattle & Roll with it: Earthquake Basics, 1 hr. P&C

Long-Term Care Insurance, 2 hrs. L&H

Certificates of Insurance, 3 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

Commercial Lines Claims that Cause Problems, 2 hrs. P&C

Employment Law and the Insurance Agent, 2 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. Ethics

NFIP Basic Course w/ 2014 Updates, 3 hrs. P&C

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Estate Planning Techniques: Gifts, Trusts and Life Insurance, 2 hrs. L&H

E&O Mock Trial, 2 hrs. P&C

13-14

Commercial Lines Nuts & Bolts, Columbia, 12 hrs. P&C

Employment Law and the Insurance Agent, 2 hrs. P&C

CISR Commercial Property, Myrtle Beach, 7 hrs. P&C

Insurance and the Property Lease, 2 hrs. P&C

Business Auto Claims that Cause Problems, 2 hrs. P&C

Liability Issues: Indemnity Agreements & Additional Insureds, 2 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Retirement Planning & Annuities, 2 hrs. L&H

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

Those Kids and Their Cars, 2 hrs. P&C

Commercial Property Endorsements that Can Make You Money,

Insurance and BBQ, the Hidden Connection, 3 hrs. P&C

2 hrs. P&C

Affordable Care Act, 2015 Update & Beyond, 3 hrs. L&H

Ultimate Account Manager, Columbia, 6 hrs. P&C

Business Income, Beyond the Basics, 3 hrs. P&C

Ultimate Account Manager, Charleston, 6 hrs. P&C

Workers Comp, Beyond the Basics, 3 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hrs. P&C

22-23

CIC Ruble Graduate Seminars, Myrtle Beach, 16 hrs. P&C or L&H

Top 5 Life Insurance Uses, 2 hrs. L&H

CISR Life & Health Essentials, Columbia, 7 hrs. L&H

Agency Management Based E&O and Ethics, 3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part I,

Personal Lines Claims that Cause Problems, 2 hrs. P&C

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. P&C

3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part II,

Rental Cars, More than Meets the Eye, 2 hrs. P&C

3 hrs. Ethics

Home-Based Business Exposures, 2 hrs. P&C

Building Codes are Bad for your Insureds, 2 hrs. P&C

Policy Provision Potpourri, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

COPE: Property Underwriting and Effective Loss Control, 2 hrs. P&C

Spring 2015 • South Carolina Agent & Broker

Commercial Lines Q&A, Charleston, 6 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hr. P&C

Rental Cars, More than Meets the Eye, 2 hrs. P&C

AIAM Day 5, Columbia, 6 hrs. P&C

Top 5 Life Insurance Uses, 2 hrs. L&H

CISR Agency Operations, Florence, 6 P&C or L&H, 1 Ethics

June 08

Data Privacy Insurance, 2 hrs. P&C

Personal Lines Claims that Cause Problems, 2 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

AIAM Day 3, Greenville, 6 hrs. P&C

Rental Cars, More than Meets the Eye, 2hrs. P&C

Agency Management Based E&O and Ethics, 3 hrs. Ethics

Retirement Planning & Annuities, 2 hrs. L&H

Commercial Property Endorsements that Can Make You Money,

Directors and Officers Liability Insurance, 2 hrs. P&C

2 hrs. P&C

Commercial Lines Claims that Cause Problems, 2 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

E&O Risk Management – Meeting the Challenge of Change Part I,

Business Income, Charleston, 6 hrs. P&C

3 hrs. P&C

CISR Personal Auto, Greenville, 7 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

AIAM Day 4, Charleston, 4 hrs. Ethics, 2 hrs. P&C

3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part I,

Shake, Rattle and Roll with It: Earthquake Basics, 1 hr. P&C

3 hrs. P&C

Liability Issues: Indemnity Agreements & Additional Insureds, 2 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

E&O Mock Trial, 2 hrs. P&C

3 hrs. Ethics

Business Income, Beyond the Basics, 3 hrs. P&C

Building Codes are Bad for your Insureds, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

COPE: Property Underwriting and Effective Loss Control, 2 hrs. P&C

Workers Compensation, Beyond the Basics, 3 hrs. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Those Kids and Their Cars, 2 hrs. P&C

August

NFIP Basic Course w/ 2014 Updates, 3 hrs. P&C

Business Income, Beyond the Basics, 3 hrs. P&C

17-18

Insuring Contractors, Columbia, 12 hrs. P&C

Workers Comp, Beyond the Basics, 3 hrs. P&C

17-19

CIC Commercial Property, Charleston, 20 hrs. P&C

CISR William T. Hold Seminar, Charleston, 7 hrs. P&C

Insurance and the Property Lease, 2 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

Commercial Lines Claims that Cause Problems, 2 hrs. P&C

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. P&C

3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part II,

CISR Agency Operations, Charleston, 6 P&C or L&H, 1 Ethics

3 hrs. Ethics

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

CISR Elements of Risk Management, Columbia, 7 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Home-Based Business Exposure, 2 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Policy Provision Potpourri, 2 hrs. P&C

Rental Cars, More than Meets the Eye, 2 hrs. P&C

E&O Mock Trial, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

July

Data Privacy Insurance, 2 hrs. P&C

Liability Issues: Indemnity Agreements & Additional Insureds, 2 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 L&H

Rental Cars, More than Meets the Eye, 2 hrs. P&C

Those Kids and Their Cars, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

IIABSC Executive Leadership Program Day 1, Columbia

Estate Planning Techniques: Gifts, Trusts and Life Insurance, 2 hrs. L&H

AIAM Day 1, Hilton Head, 7 hrs. P&C

Business Auto Claims that Cause Problems, 2 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hr. P&C

Long-Term Care Insurance, 2 hrs. L&H

E&O Risk Management, Meeting the Challenge of Change, Columbia,

Surplus Lines License Review Course, 3 hrs. P&C

3 hrs. P&C & 3 hrs. Ethics

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Certificates of Insurance, 3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

Insurance and the Property Lease, 2 hrs. P&C

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. P&C

3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part II, 3

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

hrs. Ethics

South Carolina Agent & Broker • Spring 2015

Home Based Business Exposures, 2 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

Retirement Planning & Annuities, 2 hrs. L&H

Agency Management Based E&O and Ethics, 3 hrs. Ethics

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hr. P&C

26-28

CIC Life & Health Institute, Columbia, 20 hrs. L&H

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Policy Provision Potpourri, 2 hrs. P&C

Top 5 Life Insurance Uses. 2 hrs. L&H

Certificates of Insurance, 3 hrs. P&C

September

Personal Lines Claims that Cause Problems, 2 hrs. P&C

2-3

Personal Lines Nuts & Bolts, Columbia, 12 hrs. P&C

Rental Cars, More than Meets the Eye, 2 hrs. P&C

Long-Term Care Insurance, 2 hrs. L&H

E&O Risk Management – Meeting the Challenge of Change Part I,

Building Codes are Bad for your Insureds, 2 hrs. P&C

3 hrs. P&C

COPE: Property Underwriting and Effective Loss Control, 2 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

E&O Risk Management – Meeting the Challenge of Change Part I,

3 hrs. Ethics

3 hrs. P&C

Cyberliability Exposures & Coverages, Charleston, 6 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

Commercial Property Endorsements that Can Make You Money,

3 hrs. Ethics

2 hr. P&C

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

CISR Personal Lines Miscellaneous, Charleston, 7 hrs. P&C

Commercial Lines Q&A, Greenville, 6 hrs. P&C

Estate Planning Techniques: Gifts, Trusts and Life Insurance, 2 hrs. L&H

23-25

CIC Agency Management Institute, Myrtle Beach, 20 hrs. P&C or L&H

Data Privacy Insurance, 2 hrs. P&C

Cyberliability Exposures & Coverages Columbia, 6 P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Business Auto Claims that Cause Problems, 2 hrs. P&C

October

Directors and Officers Liability Insurance, 2 hrs. P&C

Business Income, Beyond the Basics, 3 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

E&O Mock Trial, 2 hrs. P&C

CISR Commercial Property, Hilton Head, 7 hrs. P&C

Liability Issues: Indemnity Agreements & Add’l Insureds, 2 hrs. P&C

IIABSC Executive Leadership Program Day 2, Columbia

Workers Comp, Beyond the Basics, 3 hrs. P&C

800-226-3224 www.fcci-group.com

“At FCCI, we keep our customers informed. I get to know agents and policyholders and they get to know me, so they know who to call for help. They know I’ll give them great service!” Katrina Turner Senior Underwriting Technician FCCI Southeast Region Duluth, Georgia Now, let’s talk about your business. General liability • Auto • Property • Crime Workers’ compensation • Umbrella Inland marine • Agribusiness • Surety Coverage available in 18 states. © 2015 FCCI

IASC15_Turner_7.675x4.9.indd 1

1:27 PM43 Spring 2015 • South Carolina Agent &2/9/15 Broker

CISR Personal Residential Property, Columbia, 7 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

CISR Commercial Property, Greenville, 7 hrs. P&C

AIAM Day 2, Columbia, 6 hrs. P&C

AIAM Day 2, Charleston, 6 hrs. P&C

Commercial Property Endorsements that Can Make You Money,

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

2 hr. P&C

Data Privacy Insurance, 2 hrs. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

Surplus Lines License Review Course, 3 hrs. P&C

CISR Personal Residential, Florence, 7 hrs. P&C

CISR William T. Hold Seminar, Columbia, 7 hrs. P&C

CISR Commercial Property, Charleston, 7 hrs. P&C

Commercial Lines Claims that Cause Problems, 2 hrs. P&C

IIABSC Executive Leadership Program Day 4, Columbia

E&O Risk Management – Meeting the Challenge of Change Part I,

NFIP Basic Course w/ 2014 Updates, 3 hrs. P&C

3 hrs. P&C

Top 5 Life Insurance Uses, 2 hrs. L&H

E&O Risk Management – Meeting the Challenge of Change Part II,

Personal Lines Claims that Cause Problems, 2 hrs. P&C

3 hrs. Ethics

E&O Risk Management – Meeting the Challenge of Change Part I,

Shake, Rattle & Roll: Earthquake Basics, 1 hr. P&C

3 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

E&O Risk Management – Meeting the Challenge of Change Part II,

CISR Commercial Casualty II, Rock Hill, 7 hrs. P&C

3 hrs. Ethics

Insurance and the Property Lease, 2 hrs. P&C

Agency Management Based E&O and Ethics, 3 hrs. Ethics

Rental Cars, More than Meets the Eye, 2 hrs. P&C

18-20

IIABSC Annual Convention, Hilton Head

Directors and Officers Liability Insurance, 2 hrs. P&C

December

Those Kids and Their Cars, 2 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Certificates of Insurance, 3 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hr. P&C

Commercial Lines Claims that Cause Problems, 2 hrs. P&C

IIABSC Executive Leadership Program Day 3, Columbia

E&O Risk Management – Meeting the Challenge of Change Part I,

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. Ethics

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

Retirement Planning & Annuities, 2 hrs. L&H

CISR Agency Operations, Greenville, 6 hrs. P&C or L&H, 1 hr. Ethics

CISR Elements of Risk Management, Myrtle Beach, 7 hrs. P&C

CISR Commercial Property, Columbia, 7 hrs. P&C

Home-Based Business Exposures, 2 hr. P&C

Business Income, Beyond the Basics, 3 hrs. P&C

Commercial Lines Q&A, Columbia, 6 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

Policy Provision Potpourri, 2 hrs. P&C

Home-Based Business Exposures, 2 hrs. P&C

Workers Comp, Beyond the Basics, 3 hrs. P&C

November

Surplus Lines License Review Course, 3 hrs. P&C

4-5

Commercial Lines Nuts & Bolts, Charleston, 12 hrs. P&C

Those Kids and Their Cars, 2 hrs. P&C

4-6

CIC Personal Lines Institute, Hilton Head, 20 hrs. P&C

Insurance & BBQ, the Hidden Connection, 3 hrs. P&C

Building Codes are Bad for your Insureds, 2 hrs. P&C

Affordable Care Act, Update 2015 & Beyond, 3 hrs. L&H

COPE: Property Underwriting and Effective Loss Control, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

NFIP Basic Course w/ 2014 Updates, 3 hr. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

E&O Mock Trial, 2 hrs. P&C

Surplus Lines License Review Course, 3 hrs. P&C

Insurance and the Property Lease, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

Liability Issues: Indemnity Agreements & Additional Insureds, 2 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part I,

3 hrs. P&C

E&O Risk Management – Meeting the Challenge of Change Part II,

3 hrs. Ethics

Shake, Rattle & Roll with It: Earthquake Basics, 1 hr. P&C

Policy Provision Potpourri, 2 hrs. P&C

Estate Planning Techniques: Gifts, Trusts and Life Insurance, 2 hrs. L&H

Retirement Planning & Annuities, 2 hrs. L&H

Business Auto Claims that Cause Problems, 2 hrs. P&C

Rental Cars, More than Meets the Eye, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

Long-Term Care, 2 hrs. L&H

South Carolina Agent & Broker • Spring 2015

Member News

Welcome New Agency Members 1st Capital Insurance, Mt. Pleasant Avex Insurance, LLC Hilton Head

Turner Agency recognized for Volunteer Efforts by Safeco Insurance

Harrell Insurance Agency, Charleston The Monument Sports Group, Charleston Howard Penegar Agency, Inc., Lancaster L.W. Short Insurance, Inc., Murrells Inlet Southern Choice Insurance Group, Hardeeville WMK Hightower Agency, Greenville

Welcome New Associate Members The Hanover Insurance Group, Charlotte, NC Homeowners of America Insurance Co., Irving, Tx.

Pictured (L to R:) Julie Turner , Turner Agency Insurance; Lorain Crowl, Meals on Wheels; Jim Berry, Safeco; Catriona Carlisle, Meals on Wheels; Allison Donovan, Safeco.

IIABSC Member Turner Agency Insurance of Greenville has been recognized for its volunteer efforts by Safeco Insurance with a Make More Happen award. In addition, Safeco donated $3,500 to Meals on Wheels Greenville County, an amount that will feed more than three people for an entire year. Safeco Insurance recognizes and celebrates those who make a positive difference with their Make More Happen Awards program and increase the impact of agents who volunteer with a donation to the qualifying nonprofit organizations they support. Award recipients and their charities are featured in an online contest where public voting determines additional donations from Safeco. Turner Agency Insurance has been a Meals on Wheels Volunteer for several years. Meals on Wheels was one of Turner Agency Founder Clarence Turner, Jr.â&#x20AC;&#x2122;s favorite charities, and the agency continues to honor his memory by serving those in need.

Spring 2015 â&#x20AC;˘ South Carolina Agent & Broker

2015 Board of Directors

Executive Committee

Directors

Chairman Kenneth A. “Ken” Finch, CPCU, CIC, CRM, AAI Adams Eaddy & Associates kfinch@adamseaddy.com

National Director Jules Anderson, AAI Anderson Insurance Associates Charleston, SC janderson@aiasc.com

Angus M. Brabham, IV, CIC (Gus) Regions Insurance Columbia, SC gus.brabham@regions.com

Chairman Elect/ Treasurer R. Scott Moseley Irmo Insurance Agency Irmo, SC scott@irmoins.com

Immediate Past Chairman Ashley Brady, CIC First Charter Co., Inc Marion, SC abrady@firstcharterins.com

Secretary Tom Bates, Jr. Herlong Bates Burnett Greenville, SC tom@hbbins.com

Stephen B. Cannon, PhD, CPCU (Steve) Law Insurance Agency, Inc Spartanburg, SC scannon4@juno.com Harrison G. Cline, CIC, AIP The Furman Co. Insurance Agency Greenville, SC hcline@furmanco.com James B. Galloway (Ben) Peoples First Insurance Rock Hill, SC bengalloway@peoplesfirstinsurance.com Dana D. Groome, CIC, CPCU, CISR, ACSR Peoples Underwriters Inc. Conway, SC danag@peoplesunderwriters.com

Andrew E. Muller, CIC, AAI, CWCC, PRIS Mappus Insurance Agency Inc. Charleston, SC andrew@mappusinsurance.com James G. Taylor, Jr., CIC (Jay) Kinghorn Ins Agency of Beaufort Beaufort, SC jtaylor@insurancebeaufort.com Tonya S. Thomason, CIC David A. Crotts & Associates Greenwood, SC tonya.thomason@dcrotts.com Teresa C. Yount, CPCU, CIC, CRM, AINS, CPIW Correll Insurance Group Spartanburg, SC tyount@correllinsurance.com

For Dwelling Fire/Mobile Home Insurance, put your trust in a company that has been insuring homes for over 50 years. National Security Can Provide You With: • $125,000 Maximum Policy Limits • AAIS Basic Form 1 Policy • Direct Contract with National Security • 15% New & Renewal Commission • Partnership Profit Sharing • Fast Online Policy Issuance • Tenant Schedule Option • Easy Payment Options National Security has provided competitive, affordable insurance to policyholders for over 50 years, but we also provide a lot for our agents, with competitive commissions, excellent customer service and experienced company adjusters. As an admitted Southeastern based regional company, National Security prides itself on fast, efficient service from a friendly small town company, and online access for all agents, providing fast quotes, online policy issuance, online dec page printing, and real-time policy information.

We are now accepting new appointments. Find out more by calling Sharon at 1-800-239-2358 x213 or visit nationalsecuritygroup.com.

South Carolina Agent & Broker • Spring 2015

Elba, Alabama

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