Suffolk Big Eye Jul/Aug 2012 Issue by Injeanious Publishing

the

SUFFOLK Big Eye INDEPENDENT INSURANCE AGENTS & BROKERS OF SUFFOLK COUNTY

STORM WARNING - ARE YOU PREPARED? INSIDE: Presidents Message. Ice Cubes to the Rescue! Being Prepared. CE Classes on Long Island.

the

President’s Message President

To all our Members and Non-Members alike: Summer 2012 is and has certainly been a hot one and the temperature outsides is not the only topic of discussion. Our industry has been bubbling over with activity. Carriers want premium increases. Clients want price relief in light of their economic situations. And we, as the middle men, are truly in the middle… so we ask ourselves what type of agency are we?

David M. Borg nnn

Are we in “retention” mode-trying to maintain our book of business in a market where premiums are increasing and insurer will underwrite a class of business or territory one year and withdraw the next? Or are we in a growth mode-looking for new opportunities and more effective ways to do business and provide service to our clients/customers? Simply - When times are tough, the tough get going . . or should I say better get going or else! An article I saved from a few years back has many sales and marketing ideas. 101 to be exact.

the President’s Message cont’d The article entitled “Special Report ** 101 Sales & Marketing Ideas”, which appeared in the Insurance Journal-National Region, August 16, 2010, continues to be relevant. For example idea #22 – suggests that knowing your client’s and/or prospect’s “values” is a way of being successful with them or #31 – suggests that you be a resource for information for your clients. In other words, are you providing your client with “Value Added” services? You might consider reviewing all of these ideas – adopting the ones that suit your business plan best. IIABSC looks to support your efforts by providing - Value Added services. Much is done on a local and state level to benefit you. We look forward to seeing all of our members at our September 19 meeting.

Bring a guest and let them discover for themselves how they too will benefit.

See you there,

Dave Borg

President

Giving Business to the National Payroll Companies That Compete With You! IIABNY’s endorsed Payroll Provider, Ovation Payroll, WILL NOT compete against you! Ovation WILL Protect Your Book of Business! Contact Cheryle Levine at 516.384.2467 clevine@ovationpayroll.com ovationpayroll.com

IIABSC MEETING NOTICE Wednesday, September 19, 2012

STORM WARNING! “Disaster Planning” - Are You Prepared? Topics Include: Coordinating Your Staff - Maintaining Systems and Phones Responding to Clients - HO vs Flood? This is a round table discussion and everyone is invited to participate. Please bring your stories from tropical storm Irene and other past storms. Tell us how you ran your agency and what you learned from your experiences. PLACE:

Hilton Garden Inn 2038 Old Country Rd, Riverhead (LIE Exit 73)

TIME:

8:30 am ‘Check In’ & Coffee 8:45 am Breakfast Buffet Opens 9:00 am Start of Program

COST:

$16.00 per person for IIAB Suffolk and NextGen members. $22.00 per person for all other guests. All are welcome. Pre-registration required - An additional $5.00 per person will be added for walkins.

REGISTER ON-LINE AT www.suffolkagents.com Use a credit card or mail a check before September 14th. Program questions? Contact Joanne Bentivegna 631-706-0161 - joanne.bentivegna@peoples.com Registration questions? Contact Jeanne Abatelli 516-681-6265 – injeanious1@verizon.net

OR MAIL YOUR REGISTRATION (use separate sheet if needed) Name: _________________________________________________________Tel: ________________________________ Agency/Co,_______________________________________________E-Mail: ___________________________________ Enclosed is my check in the amount of $____________ payable to IIABSC. MAIL TO: Jeanne Abatelli 150 Dartmouth Drive Hickville, NY 11801

the Editor’s Feedback by Don J. Hester

Editor

Don Hester nnn

This month’s newsletter is to focus on disaster preparedness. One of the biggest disasters is coming one of these years. It’s called a hurricane. It will be a disaster because let’s face it, none of us nor our clients have windstorm coverage for a routine run of the mill Class 2 hurricane – now that is a disaster! We all tell ourselves and our customers that the policies we provide include wind damage ,but with average claim amounts predicted to be less than average deductibles we might be accused of smoke and mirrors.

Can we prevent this disaster? NO

Can we mitigate it Yes, tree pruning, replace older roofs with newer ones ,etc. ,but the exposure remains. Have you told your customers that deductible buy back coverage policies are available? How can you avoid an Act of God? Another way is to transfer the risk.. How many of us have neighbors with dead tree branches that could reach over and smack us in our deductible ? Now’s the time to send your letter of concern to your

the Editor’s Feedback con’t neighbor. If they don’t act and their tree gets you, you may be able to transfer the loss to their liability. Send it certified. The post office needs the income and a penny spent now may save you 5%.

Being Prepared!!! Laura Senn,CIC Our lives are spent on preparing and planning for some event. It could be as minor as preparing to make dinner, to as major as planning a wedding or party. We make a list, we buy the ingredients and we prepare. Why is it that we don’t think of preparing for a hurricane or storm? Do we think it will never happen to us? I’m sure the residents of New Orleans thought the same thing, but it did happen. Keep in mind that preparing for hurricanes can be the difference between minor damage and catastrophic loss. What are some of the items to prepare or plan for? The following information from Chartis is intended to guide you in your preparation:

•Maintain a relationship with your roofer/contractor.

Experience shows that these professionals are in high demand immediately after a hurricane. Having an existing relationship can help facilitate a prompt response.

•Verify that you have storm shutters to protect all openings, including doors, windows and skylights. French, sliding-glass and garage doors are particularly vulnerable to high winds due to their large size. Special attention should be given to protect them. French doors should have at least 3 hinges on each door and be reinforced with fastening bolts that lock the doors together. Ideally, doors should open “out” to increase resistance against strong winds. Replace sliding-glass doors with impact-

Being Prepared!!! con’t resistant door systems and replace garage doors with structural ribs and a heavy duty track system designed to withstand high winds.

•Replace standard windows with impact resistant window systems. Standard glass can be penetrated easily by flying debris.

•Have storm shutters and anchor bolts professionally inspected annually to ensure they perform as designed.

•Check caulking around windows/doors to ensure no deterioration has occurred.

•Prune weak branches/trees and remove limbs that overhang or are too close to the structure.

•Verify that rafters/trusses are adequately connected to the walls and foundations.

•Install a back-up electrical generator of

adequate size to power the air conditioning system, appliances and electronics (eg. Alarm system) if water enters the home, air conditioning can expedite the drying process and help prevent additional damage. Have the generator maintained annually and tested under load to ensure proper operation.

•Make sure drains on terraces and balconies are not clogged and allow water to flow freely.

Being Prepared!!! con’t •Discuss you insurance coverage with your agent/broker and know what your hurricane deductible is and what your policy covers during a hurricane.

When a hurricane is forecast to hit your area, follow the following checklist:

•Install storm shutters and secure your garage door •Move personal possessions to the center of

your home, away from windows and doors. Elevate your belongings as much as possible in case water pools on the floor around the windows

•Remove window treatments from windows and French doors.

In the event draperies cannot be removed, elevate or secure/encase the lower portion of the drapes in plastic

•Roll up area rugs and move them to the center of

your home and elevate

them if possible

•Place towels at the base of terrace doors •Remove all patio furniture from your yard or terrace and store it in your garage or house. Remove potted plants, lawn ornaments and sculptures and store them indoors

Being Prepared! con’t •Fill the fuel supply for your back-up electrical generator and test the generator under load to ensure it’s functioning properly

•Place important documents, eg. insurance policies, bank account and credit card information, contact numbers, etc in a plastic container to ensure their availability after the storm passes Remember Planning and Preparing can make the difference between minor damage and a catastrophe!

Ice Cubes To The Rescue! by Don J. Hester

Editor

Ice cubes and fruit juice containers seem like odd combinations to use for disaster preparedness article but they can be important to your health and finances . Living on Fire Island I have often been evacuated for severe storms. Over there we expect power losses. Here on the “mainland” they are also not uncommon in a disaster. What to do about your freezer and refrigerated foods? Eat up before you evacuate? Abandon them to Mother Nature?

Don Hester nnn

If you are evacuated, your return may be restricted by BIG BROTHER. Unfortunately, this also happens on the mainland. Let me give you a scenario…... You are evacuated and leave the house. Your refrigerator is full of good stuff, as is your freezer. If you have a fairly common type of policy and the storm rips off the wire to the house [windstorm damage], the subsequent loss to the food is probably covered subject to a few thousand dollar deductible. If the power is out all over good luck!...but I digress. You return, the power was restored to your region before they would let you back into your

home. You are relieved upon opening the freezer to see everything is still hard frozen. What you didn’t know was it totally thawed, sat at room [rotting] temperature until the current was restored. Your faithful icebox then refroze the meat which is now treacherously dangerous to eat!!! ICE CUBES TO THE RESCUE!! The smart home owner dipped into his amassed savings before evacuating and took out a penny and put it on top of an ice cube in the tray. Upon returning days [weeks?]later he noted where the penny was. Still on top? All is well. At the bottom of the tray under the ice?? Throw it out along with the rest of the perishables. But this article is about disaster planning. How many of you buy the gallon or larger plastic jugs of real Florida orange juice or cranberry juice? What do you do with them when they are empty? I save them. I must have ten or fifteen of them. When the storm warnings go up, they get washed and filled with fresh water . That’s not all. They then go into the freezer until solid, then into the ice box section with more going into the freezer until both freezer and ice box section are full - really full of these frozen blocks of ice. WHY?? They hold the cold much better than air. They are also a source of water if the public water is bad and needs boiling after the storm. Simple ice cubes may save the food from spoilage. So all you green people, save a penny and save some jugs for a rainy [and windy] day. And let’s hope that you never need to use this information!

Coming Soon! A ‘Must Attend’ Legislative Forum! Tuesday October 30, 2012 Sponsored by DOWNSTATE INSURANCE ASSOCIATIONS’ COUNCIL Supported by Downstate member associations. CIBGNY; IIAB Suffolk; QCIP; TriCounty IIAA & WINLI Hear the experts discuss topics and legislative strategies that will affect YOU and your business in 2013

Bring your staff and your questions…….. The Place: Chateau Briand 440 Old Country Road, Carle Place. Get directions on www.chateaubriandcaterers.com or call 516-334-6125 Time: 4:00 pm Full details to follow shortly!

Hurricane Links FEMA Hurricane Information http://www.ready.gov/hurricanes Suffolk County Hurricane Preparedness Home Page http://www.suffolkcountyny.gov/Departments/FireRescueandEmergencyServices/ OfficeofEmergencyManagement/NaturalDisastersandExtremeWeather/ Hurricanes.aspx#.UDZaZtaGrng Nassau County Hurricane Preparedness Home Page http://www.nassaucountyny.gov/agencies/OEM/hurricane/prepare.html LIPA Storm Center http://www.lipower.org/ stormcenter/hurricane.html Long Island Press Hurricane Guide http://www.longislandpress.com/ 2011/08/25/hurricanepreparedness-guide-for-long-island/ Advanced Restoration Hurricane Guide http:// www.advancedrestoration.com/longisland-new-york-hurricanepreparedness-recovery-be-preparednassau-suffolk-county-hamptons-eastend-li-ny/About.Com Long Island Hurricane Guide http://longisland.about.com/od/ familiessinglesseniors/qt/ hurricanes.htm Boating Times Hurricane Guide http://boatingtimesli.com/NY/? p=11417

When fire and water damage put the things that matter most on the line, you need the best help on the line, as well. Tha t’ s why knowing the ea siest ways to contact SERVPRO ® is so important. Just go to www.ServproPortJefferson.com or call

1-866-928-7668

Water/Storm Damage Restoration Mold Remediation Fire Damage Puff Back Cleaning General Cleaning Duct Cleaning Soot Removal Air Duct & HVAC Cleaning Catastrophe Storm Response Painting, Carpentry and all phases of Construction Move Outs and Contents Restoration

Debris Removal Odor Identification and Deodorization Carpet & Hard Floor Cleaning Upholstery Cleaning Stain Removal Contents Cleaning & Restoration Post-Construction Clean-up Ice Blasting , Sand Blasting and Soda Blasting Biohazard, Vandalism and Crime Scene Clean-up

of Port Jefferson/Stony Brook Hicksville/Plainview Independently Owned and Operated

Installation Dinner May 23, 2012 The Harbor Club, Huntington NY

The Independent Insurance Agents & Brokers of Suffolk County, Inc. installed new officers and directors for the 2012 through 2013 term. More than 120 IIABSC members and guests attended the May 23 event, which took place at The Harbor Club, Huntington, New York. Richard A. Poppa, CAE/AAI, President and CEO of the statewide Independent Insurance Agents & Brokers of New York, Inc. performed the installation ceremony. Installed officers included David M. Borg, CPCU, CIC, CRM, ARM of Borg & Borg, Inc. in Huntington who is now the organization’s president. Joanne Bentivegna, CIC, CRM, of People’s United Insurance Agency in Hauppauge will serve as vice president. Paulette Katz, CIC, Maurice B. Cunningham, Inc. in Southampton will remain as the association’s treasurer and John V. Stype, CIC of Neefus-Stype Agency In Aquebogue will continue to serve in the position of secretary.

IABSC also installed the following directors: David H. Borg, CISR, Borg & Borg, Inc. Huntington; Richard de la Sota, CPCU, MRW Group, Inc., Huntington; John J. Glennon of John J. Glennon, Inc., Hauppauge; Joseph Gundermann, AAI, Gundermann & Gundermann, Inc., Huntington; Eric Keiffert, CPCU, Hometown Insurance Agency, Bohemia; Michael J. Romeo ll, CIC, Industrial Coverage Corp., Patchogue; Laura Senn, CIC, People’s United Insurance Agency, Hauppauge; Aaron Stein, CPCU, CFP, Norton & Siegel, Inc. Babylon.

Since 2005, the Vincent A. Alba Lifetime Achievement Award recognizes those individuals who for many years have demonstrated their commitment through exceptional service to the Big “I” associations and the American Agency System as a whole. This year, the award was presented to James D. Sutton, CIC, AAI

Installation Dinner The Harbor Club, Huntington NY May 23, 2012

The Suffolk board was installed by Dick Poppa, IIABNY President & CEO. (l-r) Joanne Bentivegna, Paulette Katz, Joe Gundermann, John Glennon, Rich dela Sota, David H. Borg, Eric Keiffert, Laura Senn, Mickey Romeo and Aaron Stein.

Russ Vollmer presented the Vincent A. Alba Lifetime Achievement award to Jim Sutton.

Dick Poppa, IIABNY President & CEO installed David M. Borg as the new president of IIABSC 21

Dick Poppa with Bernadette and David Borg

David Borg thanked Earl Eaton, IIABSC outgoing president, for a job well done

the Sponsors

Installation Sponsors Dinner Sponsors CRC Interboro Insurance Company Kingstone Insurance Company Morstan General Agency Narragansett Bay Insurance Company Utica National Insurance Group

Social Hour Sponsors Adirondack Insurance/Tower Group Companies BELFOR Property Restoration Chartis Insurance First Rehab Life Harleysville Group Merchants Insurance Group Quaker Special Risk Total Restoration Inc. Travelers Zurich Small Business

Door Prize Sponsors Restoration Specialists Please remember these companies support our association, please help support them whenever possible!

What Would Shakespeare Say? By Laura Senn, CIC

If Shakespeare were living today, instead of saying To Be or Not To Be, I think if he

lived on Long Island he would say To Be Prepared or Not to Be Prepared. For us Long Islanders, THAT is the Question.

We are in Hurricane season and here is some helpful information from PURE: •Pay Attention to Your Roof. The older your roof, the weaker it likely is and the more exposed it may be to winds and water damage. Hire a roofing specialist to do a thorough review of your roof and soffits, identify any loose or missing tiles or issues with flashing, and repair these items as soon as possible. In coastal areas, if the roof is attached in a most secure fashion (using wraps) and a secondary layer of water resistance is deployed, premium credits can be generous. •Secure the Openings to Your Home. The best way to reduce the damage from the force of the wind is to keep the openings of your home secure. One thing to consider is to ensure that your doors swing outwardly, making them more difficult to fly open. While more and more coastal residents are using hurricane-impact glass on their windows, some of our members still rely on storm shutters. If you have

What Would Shakespeare Say? con’t storm shutters, please make sure that your contract to have them fitted is up-to-date, and that your contractor will be able to put them in place even at short notice. If you are away from your home for the season, please put your shutters up now. (Please note that if you expect someone to be inside your home while you are away, such as a “house sitter” or caretaker, be sure to leave one shutter off on each floor of your home for the safety of anyone who may need to exit the house). •Reduce the Potential for Flying Debris. Trees, gravel, yard ornaments and other items outside a home can become windborne debris in a hurricane. Bring in lawn furniture and other yard items when a hurricane threatens. In coastal areas, consider alternatives to gravel or stones in your garden. •Recognize the Risk of Trees. Prune weak branches/trees and remove limbs that overhang or are too close to the structure. •Develop a Hurricane Plan. For those living in coastal areas (particularly in the Southeast), please do not wait until authorities give the signal to evacuate to start thinking about a plan. A hurricane plan for your family should include the following items:

What Would Shakespeare Say? con’t •Emergency Contact Information: All members of your family should have each other’s phone numbers stored in their cell phone as well as a written emergency contact list. •Safe Destination: If you do not have a second home where you would go, consider a hotel or the home of a friend or relative out of the likely hurricane area as a designated safe place to meet and stay. •Evacuation Routes: Identify a primary evacuation route that will get you to your safe destination, then have at least two backup routes in case your primary one is blocked. Leave early and give yourself more time than usual to account for traffic and potentially difficult travel conditions. •Emergency Kit: Prepare a disaster supply kit (typically this would include 3 gallons of water per person and a 3 day supply of food, blankets and sleeping bags, important medications and a first aid kit, extra change of clothes, extra keys, batteries and eyeglasses, battery operated radio, toiletries, tarp, duct tape, money, credit cards, insurance information, identification). •

Board of Directors VICE PRESIDENT

TREASURER

SECRETARY

JOANNE BENTIVEGNA,

PAULETTE KATZ, CIC

JOHN V. STYPE, CIC

IMMEDIATE PAST PRESIDENT EARL EATON

CIC, CRM

Directors DAVID H. BORG, CISR dhborg@borgborg.com

ERIC KEIFFERT, CPCU ekeiffert@hometowninsurance.com

RICHARD DE LA SOTA, CPCU rdelasota@mrwgroup.com

MICHAEL J. ROMEO LL, CIC mjromeo@industrialcoverage.com

JOHN J. GLENNON john@glennoninsurance.com

LAURA SENN, CIC laura.senn@peoples.com

JOSEPH A. GUNDERMANN, AAI jgundermann@gundermann.com

AARON STEIN, CPCU, CFP aaron@nortonsiegel.com

Publication Staff EDITOR: Don Hester PRODUCER: Aaron Stein NEWSLETTER COMMITTEE: Aaron Stein, Joanne Bentivegna, David H. Borg, Pat Calvert Eric Keiffert and Jeanne Abatelli. AD SALES/SPONSORSHIPS: Jeanne Abatelli - info@suffolkagents.com

PAC Frequently Asked Questions CONTRIBUTIONS Q. Who can contribute to the PACs? InsurPac (Federal) – U.S. citizens who are members of IIABA’s solicit able class of individuals may contribute to InsurPac. IIABA’s solicit able class of individuals consists of salaried member agents, their spouses and children, and salaried employees of the association (IIABA & IIABNY). IAPAC (State) – Any person, corporation, limited liability company, sole proprietorship or partnership (subject to aggregate calendar limits) Q. Are corporate contributions permitted? InsurPac (Federal) – InsurPac CANNOT accept corporate checks, unless done via payroll deduction. Checks drawn on non-incorporated agency accounts are acceptable, depending on how the agency files with the IRS. For partnerships, a partnership allocation form is required (see sample forms). IAPAC (State) – Personal and corporate checks ARE acceptable. Q. Is there a limit on contributions? InsurPac (Federal) – The most an individual may contribute in a calendar year is $5,000. IAPAC (State) – An individual may contribute up to $150,000 in a calendar year. A corporation may contribute up to $5,000 in a calendar year. Each affiliated or whollyowned subsidiary corporation, if a separate legal entity, has its own limit. Q. Are credit cards accepted? InsurPac (Federal) – Yes. InsurPac accepts Visa, American Express and Master Card (personal credit cards only)

PAC Frequently Asked Questions con’t IAPAC (State) – Yes. IAPAC accepts Visa, American Express and Master Card. Q. Are monthly installments available? InsurPac (Federal) – Yes, by credit card withdrawal on the 15th of the month. Contributions can be equally allocated over a number of months or indefinitely. IAPAC (State) – Yes, if paid with IIABNY dues. Contributions may be spread equally over 10 monthly installments either by credit card or electronic funds transfer (EFT). Installments are not available for contributions paid independent of IIABNY dues..

Note your calendar ********************************** This Year, Our Holiday Party Will Be Held on Thursday November 29, 2012 Once Again at the Fabulous Villa Lombardi’s in Holbrook KICK OFF YOUR HOLIDAY SEASON WITH US! Reserve this date for a fun-filled festive evening with friends and associates! Details will follow soon.

PAC Frequently Asked Questions con’t Q. Are cash contributions allowed? InsurPac (Federal) – Yes. InsurPac can accept up to $100 aggregate in a calendar year from any legal donor. IAPAC (State) – Yes. IAPAC can accept up to $100 aggregate in a calendar year from any one person. Q. Are contributions deductible on federal income tax returns? InsurPac (Federal) – No. IAPAC (State) – No. FUNDRAISING Q. What are the rules for soliciting groups (such as a local association meeting)? InsurPac (Federal) – By law, the Federal Election Commission (FEC) requires us to get prior written approval to solicit anyone who is employed by an incorporated agency. This is accomplished by the “Corporate Authorization” form (see sample forms). The FEC allows InsurPac to ask for approval five years in advance and that is reflected in the form. An agency principal can sign for five years forward. The Corporate Authorization form is required only for incorporated agencies. Sole proprietors and other unincorporated agencies are not required to sign this form before being solicited.

Jerry Brunell Memorial Fishing Outing Wednesday September 12, 2012 Again this year, Downstate will hold its annual Fishing Excursion on the â&#x20AC;&#x153;Fishtaleâ&#x20AC;? boat departing Captree Boat Basin. Ticket price includes a full day of fishing, breakfast, lunch, beer, soda, prizes, bait & tackle, fishbags. Amount: $75.00/person Place: Captree Boat Basin Time: Departs 7:45 am. Return 3:30pm Directions: Southern State Parkway to Exit 40, Robert Moses Causeway, take south 5 miles to Captree Boat Basin exit Footware: Sneakers, dock-siders or equivalent

Note to donate fishing prizes and more information call Martin Rosenthal at 516-599-1100 ext 155

Please fill out and send with your check payable to Downstate Council Return to Martin Rosenthal c/o NGL Group 112 Merrick Road Lynbrook, NY 11563

Firm Name:___________________________________________________________________ Name:_______________________________________________________________________ Address:______________________________________________________________________ City: _______________________________________ State: _______ Zip: _________________ Tel No._____________________________________ Email: ___________________________ No.Fishing _____ @ $75 each = $__________ Total Amount of Check enclosed ___________ Use back of form for additional fishermen.

PAC Frequently Asked Questions con’t This can present a challenge for a local association meeting since there is no easy way to determine who may or may not have signed a corporate approval form. It is recommended that you only present a very generic message from the podium at a local meeting about the importance of PACs. A separate PAC table can be set up and people can be encouraged to visit the table for more information. IAPAC (State) – There are no state requirements regarding authorization to solicit. Therefore, you are allowed to discuss and solicit IAPAC in a group setting such as a local association meeting. If you will be talking about both the state and federal PACs at the same meeting follow the suggestions above. Q. Are raffles allowed? InsurPac (Federal) – Yes, if the fair market value of the prize is not more than 1/3 of the total amount raised. (Example – If the prize was a $500 set of golf clubs, at least $1,500 must be raised in the raffle.) IAPAC (State) – No. Funds are not allowed to be raised by raffles, 50/50 or any other type of gambling. Q. Can we raise money by selling “mulligans” at a golf outing or some other thing with no real value? InsurPac (Federal) – Yes. IAPAC (State) – Yes, with some restrictions. The no gambling rule (see question on raffles) would prohibit a hole-in-one contest but a mulligan (second shot) would be permitted because it is not gambling or taking a chance. Q. Can we raise money by charging admission to an event (such as a wine tasting, reception, or other social event)? InsurPac (Federal) – Yes, if the cost of the event is not more than 1/3 of the total amount raised. (Example – if the event costs $500, at least $1,500 must be raised from the event.) IAPAC (State) – Yes.

PAC Frequently Asked Questions con’t Q. Can our local association (or an individual, agency, other entity) donate the space (or food and beverage) for an event that raises money for the PAC? InsurPac (Federal) – There are no restrictions on donating goods and services, however the fair market value of the goods and services must be reported as an in-kind contribution, subject to the individual calendar year limit. Because only individual contributions are allowed for InsurPac, a local association, agency or other entity may not donate goods or services for an event. It must be an individual. (Example – an individual donates meeting space, food and beverage for a fundraising event. The fair market value of the donation must be reported as an individual contribution and subject to the $5,000 calendar year limit.) IAPAC (State) – There are no restrictions on donating goods and services, however the fair market value of the goods and services must be reported as an in-kind contribution, subject to the individual and corporate aggregate limits. (Example – a local association has already made an IAPAC contribution of $2,000 in the calendar year. The local association wants to donate meeting space, food and beverage valued at $4,000 for an event to raise PAC funds. Only $3,000 in goods and services can be donated because of the $5,000 calendar year limit .for the local association.)

PAC GUIDLINES State vs Federal July 2012

Financial Year

IAPAC State PAC May 1 – April 30

InsurPac Federal PAC January 1 – December 31

Current Goal

$62,600

$48,240

Type of check accepted

Personal or Corporate

Personal only (Unless for a “Partnership” – see below)

Payable to:

IAPAC

InsurPac

Credit card

Yes American Express, MasterCard or VISA

Yes Available on IIABNY website

Contribution form

On-line contribution Yes – with IIABNY dues payment

Yes – may access from IIABNY site www.iiabny.org (then click on Advocacy, then Political Action Committee) or national site www.iiaba.net (then click on Govt Affairs, then InsurPac) Must be logged in as a member to see on-line option

Monthly payment option

Yes (with IIABNY dues payment)

Yes (see contribution form)

Automatic Debit option

Yes (with IIABNY dues payment)

Yes (see contribution form)

Partnership

N/A

Partnership may use a corporate check – must complete “Partnership contribution” form

Corporate Approval form

N/A

Try to get this form completed if possible

Raffles

NOT permitted under NYS Campaign Permitted if fair market value of the Finance Laws and NYS Wagering & prize is not more than 1/3 of the total Racing Laws amount raised

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Big “I” CE Classes on L.I. IIABNY FALL SEMINAR CALENDAR – Remainder of 2012 CE Classes in Suffolk, Nassau and Queens Counties.

The following seminars will be held at Belfor Restoration in Ronkonkoma, NY unless noted otherwise. 09/12/12 09/13/12 10/17/12

There’s Insurance For That? (half day-am) NYAIP Certification Program - (Half day-am) Workplace Worries (Anti Discrimination)

The following seminars will be held at Four Points Sheraton in Plainview(Pl) or LaQuinta Inn & Suites in Garden City (GC). 09/13/12 09/21/12 10/11/12 10/16/12 10/23/12 10/23/12 10/30/12 11/07/12 11/08/12 11/16/12 11/27/12 12/04/12

There’s Insurance For That? GC– (half day – am) AAI 82-C - Specialized Insurance - Pl Homeowners Insurance (ACSR Mod #1) – Pl Workplace Worries (Anti Discrimination) – GC ACE Insura Claims Detection – Personal Lines (half day – am) Pl ACE Insura Claims Detection – Comm. Lines (half day – pm) PL Best Practices - E&O Loss Prevention – Pl E&O Basics (ACSR Mod #4) – Pl AAI 82-B – Other Commercial Insurance – Pl NYAIP Certification Program - (Half day-am) Pl AAI 82-A - Commercial Liability - Pl Commercial Lines Property Ins. (ACSR Mod #6) – Pl

The following seminar will be held at Belfor in Maspeth, Queens 09/29/12 10/09/12

NYAIP Certification Program - (Saturday-am) There’s Insurance For That? (half day-am)

Big “I” CE Classes on L.I. con’t 11/09/12 11/13/12 12/14/12

NYAIP Certification Program - (4-8:30pm) Workplace Worries (Anti Discrimination) NYAIP Certification Program - (Half day-am)

For a complete schedule, log on to www.iiabny.org Highlight the ‘Education’ link and select ‘Education Calendar’. Registration forms are also available on line, or call IIABNY’s Education Dept. at 1-800-962-7950.

Note your calendar now to attend this big event. ********************************** Downstateâ&#x20AC;&#x2122;s Legislative Forum will be held on Tuesday, October 30th, 2012 at the beautiful Chateau Briand in Carle Place Details to follow shortly For event details, contact Pat Calvert 516-621-2209 or email calvertpc@aol.com For registration and sponsorship information, contact Jeanne Abatelli 516-681-6265 or email Injeanious1@mac.com

Affiliated with IIABA Young Agents The IIABNY Next Generation Insurance Professionals (Next Gen) sponsors training, seminars, and conferences across the state. Our members also have the opportunity to participate in national Big â&#x20AC;&#x153;Iâ&#x20AC;? Young Agents events.

Exciting & innovative sales and marketing training

Management skills that allow your career to grow

Valuable leadership development

Networking & social events with other professionals

Next Gen is open to individuals under 40 years old or new to the insurance industry who are interested in becoming more innovative and effective salespeople, creating lasting business relationships, and joining the ranks of insurance industry leaders. Membership is open to all individuals working in or supporting the Independent Agency System and actively developing a career in the insurance industry. It is not limited to agents only; it is open to any one involved in or supporting the insurance industry including all agency and company personnel.

Membership is Free! Join today by filling out the following form and returning it to: Kathy Lawler klawler@iiabny.org Fax: 888-432-0510

Monica Rayder mrayder@iiabny.org Fax: 888-432-0510

Name: _____________________________________________________ Agency: _________________________________________ Address: _____________________________________________________________________________________________________ Position: ___________________________________________________ Year Born: ________________________________________ E-mail: _____________________________________ Phone: ____________________________ Fax: __________________________

the Advertisers INSURANCE COMPANIES & MARKETS Excise Bond Underwriters John L. Comeau 15 Maiden Lane, Suite 800 New York, NY 10038 Tel: 212-363-2950 Fax: 212-425-2539 Magna Carta Companies Wanda Napolitano 1 Park Avenue New York, NY 10016 Toll Free: 1-888-ONE PARK Phone: 212-591-9500 Fax: 212-591-9621 NIF Group Michael Orlando, Nancy Williams 30 Park Avenue Manhasset, NY 11030 Phone: 516-365-7440 Fax: 516-496-7356 Email: nwilliams@nifgroup.com www.nifgroup.com Quaker Special Risk Camille Windler 226 5th Avenue, 4th Flr. New York, NY 10001 Phone: 516 428 0716. Fax: 732-223-9072 Email: salesattkr@aol.com Brian Botwinick Eatontown, NJ Toll Free: 800-447-4180 Email: bbotwinick@qsr-insurance.com

INSURANCE SERVICES Ovation PayrollÂ Jill Rizzo Marketing Coordinator 200 Canal View Blvd. Suite 200 Rochester, NY 14623 Phone: 585-341-3523 Fax: 866-325-9848 Email: jrizzo@ovationpayroll.com Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville, NY 11801 Phone: 516-935-0100 Fax: 516-931-7842 Email: ppryor1578@aol.com

RESTORATION SERVICES Belfor Property Restoration Gary J. Alexander 60 Raynor Ave. Ronkonkoma, NY 11779 Phones: 631-471-3131 x121 Fax: 631-471-2905

the

SUFFOLK Big Eye INDEPENDENT INSURANCE AGENTS & BROKERS OF SUFFOLK COUNTY

IIABSC 150 Dartmouth Dr. Hicksville, NY 11801