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July/August 2013



Robert Mackoul, CLU




Robert E. Mackoul, CLU President

This is my first message since the TriCounty IIAA installation dinner at the Fox Hollow on June 5th. What a night it was with over 200 industry professionals arriving for an hour and thirty minute outdoor cocktail reception under sunny skies and mild June temperatures. The program which followed, including the installation of officers and directors, the scholarship and industry awards and other festivities ended with a sumptuous dinner. It was a beautiful evening where people mingled, networked and enjoyed themselves, while supporting, honoring and promoting our industry. The theme this year is “Make a Difference”, and the planning process has already begun. We intend to accomplish a number of goals in the next twelve months which will require an intense focus by members of the board. But make no mistake, this TriCounty board of directors is comprised of outstanding professionals whom you elected to represent you, and we intend to truly “make a difference”……. More each month on what we are working on and what we accomplish. Put in your calendar two big dates. The first is September 24th where TriCounty & Suffolk will combine to host a meeting at the Melville Marriott, which is sponsored by Travelers and offered through IIABNY. The Travelers has prepared an amazing video that MUST be seen by everyone regarding our national debt and what impact it is going to have on the next generations. This is a ‘not to miss’ event. Specific information and registration details will follow during the summer. The second event is the Tri County Golf Classic on Thursday, October 3rd at Woodmere CC when the award for 2013 “Outstanding Company Executive” will be


Water, Fire Damage & Environmental Service Insurance Loss Specialists LEED Accredited Professionals

Congratulations to

Robert E. Mackoul of Mackoul & Associates & All New Officers of the TriCounty IIAA Best wishes for a great 2 years! Your commitment to TriCounty IIAA, its members and their interests, perpetuates exceptional service to their customers. 24/7 Emergency Response (800)-341-1257 or (516)-783-5053



presented to Greg Clark of MAPFRE Insurance. Last year, the event sold out and October 3 will be no different. Whether you play golf or just come for dinner, you will have a wonderful time. Much energy, time and planning is going into this year’s event with any profits going toward our scholarship fund and other local charities. Don’t miss out. Take a foursome of your company reps, clients or employees, and book early on line at the Tri County Website Speaking of our website…do you check it regularly? You should! It’s full of good interesting stuff, and our new webmaster, board member Alex Giraldo, is going to make it even better. Have a wonderful and safe summer. See you in September!. Bob






With Great Pride We Congratulate Bob Mackoul on His Installation as President of TriCounty Independent Agents!!! Best Wishes to All the Officers and Board Members for a Very Successful Year!!! Steve Sternberg SVP Business Development (516)749-5700

Note your calendar now to attend this big event. ********************************** Travelers Overdaft Program will take place on Tuesday, September 24, 2013 Details to Follow Shortly.



The Travelers Institute partnered with WTVI-TV, the Charlotte, North Carolina public television station, and Susie Films to develop an award-winning, one-hour documentary that explores the depth and impact of America’s debt crisis at the federal and state levels. Made for public television, Overdraft highlights the growing U.S. deficit and its critical implications for individuals and U.S. economic competitiveness. About the Overdraft documentary

Featured experts

Now eclipsing $16 trillion, America’s debt is the number one economic crisis facing the country today. As such, the goal of Overdraft is to give viewers a better understanding of how the federal debt affects their daily lives, the choices that will have to be made to manage the problem and how they can participate in the ongoing economic debate. Through first-person accounts, the factors that have contributed to the debt and possible solutions are presented, including such major topics as entitlement programs, defense spending, tax reform, and the choices America’s debt forces on individuals and businesses.

Overdraft features the following key business, political and economic leaders:

Original artwork created for Overdraft by Jessica Schuler of Susie Films.


Cory Booker, Mayor, Newark, New Jersey


Erskine Bowles, Co-Chair, National Commission on Fiscal Responsibility and Reform


Bill Clinton, 42nd President, United States


Kent Conrad, Chairman, Senate Budget Committee


Mitch Daniels, Governor, Indiana


Jay Fishman, Chairman & CEO, The Travelers Companies, Inc.


Judd Gregg, former Senator, New Hampshire


John Hamre, President and CEO, Center for Strategic and International Studies


Joe Klein, Columnist, Time magazine


Peter Orszag, former Director, Office of Management and Budget


Raghuram Rajan, Economist, Booth School of Business, University of Chicago


Alice Rivlin, Founding Director, Congressional Budget Office; former Director, Office of Management and Budget


Kevin Roberts, CEO, Saatchi & Saatchi


Andrew Romano, Senior Writer, Newsweek magazine


Alan Simpson, former Senator, Wyoming; Co-Chair, National Commission on Fiscal Responsibility and Reform


Susan Urahn, Managing Director, Pew Center on the States


OVERDRAFT University Symposia Series The Travelers Institute has launched a national symposia series with screenings of Overdraft at universities across the country, inviting students and faculty to join the conversation about the U.S. debt crisis. Panel discussions at these events, featuring faculty experts and Travelers leadership, examine this important issue and encourage students to think critically about the significant fiscal challenges ahead. The Travelers Institute is pleased to partner with the following universities, schools and programs: Ł Ł







Allegheny College American University’s Center for Congressional & Presidential Studies and Washington Semester Program Central Connecticut State University City University of New York’s Baruch College Drew University’s Economics and Business Studies Department & Alumni and Parent Relations Office Fordham University’s Gabelli School of Business Loyola University Chicago’s Quinlan School of Business, Center for Risk Management Morgan State University’s Department of Accounting & Finance Northwestern University’s Department of Economics Pace University’s Lubin School of Business & Dyson College of Arts & Sciences Stanford University’s Institute for Economic Policy Research Trinity College University of Connecticut’s Honors Program University of Delaware’s Alfred Lerner College of Business & Economics, Center for Economic Education & Entrepreneurship University of Kansas School of Business University of Minnesota’s Carlson School of Management University of Pennsylvania’s Wharton School & Penn Institute for Urban Research University of Virginia’s Miller Center for Public Affairs Wake Forest University’s BB&T Center for the Study of Capitalism

Distribution of Overdraft Overdraft has been distributed to public television stations across the country through the National Educational Telecommunications Association (NETA). The film will be available to public television stations through August, 2014.

The production team Scott Galloway, founder of Susie Films, is the producer for Overdraft. Susie Films has produced more than 650 television programs for networks including ABC, History Channel, A&E, Court TV, ESPN, Food Network, HGTV and the Travel Channel. He also directed and produced the feature-length documentaries A Man Named Pearl and Children of All Ages. Awards Praised by audiences and critics for its production and educational content, Overdraft continues to receive recognition from leading awards organizations. To date, the nonpartisan documentary on the federal deficit has earned 11 distinct honors. Ł Ł Ł Ł

Fall 2012 CINE Golden Eagle Award Prestige Film Award’s 2012 Gold Award for Documentary Short 2013 Telly Award Silver Winner – Information, Use of Animation 2013 Telly Award Bronze Winner – Education, Miscellaneous, Political Commentary, Use of Music, Art Direction, Editing, Sound/Sound Design CINE WINNER GOLDEN EAGLE AWARD

Learn more Click here to view the Overdraft trailer, full documentary and 100-word segments. For more information, contact Jessica Legnos at The Travelers Institute, 700 13th Street NW, Suite 950, Washington, D.C. 20005 © 2013 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. [8] M-17031-E Rev. 5-13

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Gregory Clark Vice President & Regional Manager

MAPFRE/USA 2013 Outstanding Company Executive Award

Register Online [10]

The TriCounty Independent Insurance Agents Association Installs Officers and Directors for the 2013 – 2014 term

New officers and directors took the helm on June 5 during the Long Island-based TriCounty Independent Insurance Agents Association annual installation dinner and awards ceremony. The gathering, held at the Fox Hollow in Woodbury, NY, set the TriCounty IIAA leadership for the 2013 through 2014 term. More than 200 association members and guests joined the festivities of this special occasion starting with a beautiful outdoor cocktail reception. Robert E. Mackoul, CLU, the CEO of Mackoul & Associates and New Empire Group with offices in Garden City and Long Beach, NY was installed as president of TriCounty IIAA by his wife, Deborah Mackoul, President and CFO of New Empire Group. Additional officers and directors were installed by Thomas J. Crowley CPCU, Immediate past Chair of the Independent Insurance Agents & Brokers of New York, Inc. (IIABNY) Those officers included Frank Elorza of Club Agency Insurance Brokerage, LLC in Garden City, who will assume the position of vice president and Peter Phillips of Phillips Brokerage, Inc. in Astoria who was installed as Treasurer. Adam P. Erickson of Carlstan North Hills Agency, Inc., will be the group’s Secretary for the new term. The TriCounty IIAA also installed the following directors: Dean Aloia, Aloia McKinnon Insurance Brokerage, Brooklyn; James G. Bastian, Advantage Partners, Inc, Astoria; Ronald Brunell, CIC, B&B Coverage, Ltd., Valley Stream; Floral Park; Andrew Chong, HD Underwriting Agency, Inc.; Alex Giraldo, Club Agency Insurance Brokerage, LLC Garden City and Theodore Garatziotis of Narrows Insurance Agency, Inc., Brooklyn. In addition, awards were presented that evening. 


The TriCounty Independent Insurance Agents Association Installs Officers and Directors for the 2013 – 2014 term con’t The Bob Morris Award -- presented for commitment to the association and furthering industry professionalism-- was awarded to Frank Elorza who has served on the TriCounty board of directors for many years, including the position of the association’s treasurer this past year. The association announced awards totaling of $10,000 in scholarships this year. Two $2,500 awards went to Christy John and Pranav Ragipani, both exceptional students at St. John’s School of Risk Management, for meeting specified criteria, including insurance related study and a minimum cumulative GPA of 3.0. The 2013 St. John’s Education Scholarship Program was again sponsored by Tower Group Companies and Safeco Insurance Company. The awards were presented by Helen Nigro, Tower’s Vice President of National Producer Relations and by Terry Moore, Safeco’s NY-NJ Regional Manager. Winners of two other scholarships were announced and checks totaling $5,000 were presented at their school’s awards ceremonies. Joni Christel graduating from Carle Place High School was the Joel S. Pollack Memorial Scholarship award winner for her essay on ‘what can affect auto insurance rates other than accidents’. Joni was chosen from a large number of submissions from high school seniors in Nassau, Queens and Brooklyn. The Stephen T. Dooley Community Service Award scholarship went to Steven Trezza of West Hempstead High school for outstanding community service during his high school years. Both students received vouchers to be applied to tuition and allied expenses at their chosen educational institutions. TriCounty Independent Insurance Agents Association was awarded the 2013 Local Association of the Year Award along with the Independent Insurance Agents & Brokers of Suffolk County by IIABNY at the state association’s Annual Meeting in Cooperstown N.Y. on May 9, 2013. This evening, the award was presented to Steven Visco, PhD, AAI the 2012-13 TriCounty president. This award was earned by both groups for their exemplary and creative work for the industry during the year and for helping their communities survive Superstorm Sandy.


June 5th Installation Dinner

The TriCounty board of directors was installed by Kevin Crossley, IIABNY Regional Director (at podium). They are (l-r) Frank Elorza, Peter Phillips, Adam Erickson, Alex Giraldo, Dean Aloia, James Bastian, Ron Brunell, Andrew Chong and Theo Garatziotis.

Robert Mackoul, was installed by his wife, Deborah Mackoul


Steven Visco ( r) accepted the 2013 Local Association of the Year award from IIABNY Immediate Past Chair, Tom Crowley

Frank Elorza (l) received the Bob Morris Award from 2012 recipient Stephen Folan

St. John’s School of Risk Management Scholarship winners Pranav Ragipani and Christy John are flanked by Frank Elorza and Helen Nigro (left) and Terry Moore and Rebekah Hanouesek-Monge [14]

The folks from Mackoul & Associates

AAA New York Insurance Service : L/ R: sitting Sheridan Long, Karen Weber,  Tajuana Hollingsworth,  Chris Wukovits. Back row L/R Najeeb Khan , Kevin Crossley,  Kerin Robitsek. [15]

St. Mary’s Table

Debi Mackoul with daughters Erica and Lacey










Installation Sponsors

Dinner Sponsors Chubb Group Of Insurance Companies Interboro AutoOne Insurance Company Kingstone Insurance Company MAPFRE The Rough Notes Company Inc. Cocktail Party Sponsors Evans & Associates, LLC Harleysville Insurance Magna Carta Companies Morstan General Agency Narragansett Bay Insurance Company Rough Notes Magazine SERVPRO of Hicksville/Plainview The Hanover Insurance Group Tower Group Companies/Adirondack Insurance


St. John’s School of Risk Management Scholarships

Scholarship winners Christy John and Pranav Ragipani with Rebekah Hanouesek-Monge

When we talked with the two scholarship winners from St. Johns School of Risk Management, we found them to be charming and gracious. They were most appreciative of the continuing education gift of $2,500 that each had received that evening and thanked everyone from the podium with poise. It was apparent that both Christy and Pranav will go far in their chosen careers. This program gives everyone involved a good feeling of extending a hand to young people who are working hard to build a successful future. We thank our sponsors, Tower Group Companies and Safeco Insurance Company for their support each year and to St. Johns School of Risk Management for sending us such qualified students to choose from.


St. John’s School of Risk Management Scholarships con’t

It’s very difficult to choose two winners from their group to top candidates, but we look forward to the opportunity and hope to continue this program for years to come. Our recipients are hardworking student at St. John’s School of Risk Management as you can see by their resumes. Pranav Ragipani – Pranav is currently completing his Junior year studying Risk Management and is very active in the program and related extracurricular activities. He is an active member of Gamma Iota Sigma and in addition to his activities at the University, he is a volunteer with the Girl Scouts of America (Nassau County) as a management consulting involved with social media and branding. He’s also involved in fund raising for the Association for Children with Down ’s Syndrome.  On the career front, he has been working at Starr Companies, since June 2012, as a General Casualty Excess Intern and will be staying on this summer.  His GPA is 3.44.

Christy John is a very active Risk Management student. She is a member of Gamma Iota Sigma and a DJ and Assistant Manager for St. John’s University Radio station.  She has participated in the SRM/ACE Mentorship Program where she worked with an experienced professional from ACE to enhance her career development in the risk and insurance industry.  Christy currently holds an internship with Sony Corporation as a Risk Management Intern from Summer 2012 until present.   Most recently she was sent by The School of Risk Management to attend the RIMS Conference in Los Angeles, as a student representative/participant.  She maintains a GPA of 3.4. 


Golf Classic Thursday October 3, 2013 Mail In Registration


Located at the beautiful Woodmere Club, 2012 MGWA Club of the Year!

Golf & Dinner $275.00 Cocktail & Dinner $95.00 11:00 am Brunch 11:45 am Putting Contest 12:30 pm Shotgun Tee-Off 5:30 pm Cocktails & Dinner Your golf fee includes use of the driving range, cart, greens fees, brunch, barbecues and refreshments on the course, cocktails, dinner, and lots of prizes and giveaways. For more info: Call Lane Rubin or David Spiro at 516-568-0800 or email: or

Register on-line at You may register up to 4 people with 1 transaction on-line and pay by credit card. To pay by check please fill out the form below. Make check(s) payable to TriCounty IIAA and mail to: Lane Rubin, The Excelsior Group * 71 S. Central Ave., Suite 305 * Valley Stream, NY 11580 Name:!_____________________________________________! Company:_______________________________________ Address:_____________________________________________________________________________________________ Phone:_________________________________ Email:!_______________________________________________________ Place in Foursome with:__________________________________________________________________________________


Stephen Dooley Community Service Scholarship by Frank Elorza

Scholarship Winner Steven Trezza with Frank Elorza

It was an honor to present the Stephen Dooley Community Service scholarship to Steve Trezza from W. Hempstead High School. First some background on the Scholarship. The “STEPHEN T. DOOLEY COMMUNITY SERVICE” Scholarship. Steve was a major influence in the formation of the Tri County Association. He was president of our organization, a highly respected insurance professional and very active in his community, mostly as a volunteer in charity and youth activities. Steve died from cancer in February 2005 and we thought there was no finer way to honor him than to establish an ongoing scholarship in his memory, in the areas he cherished and worked so hard in. $2,500 will be awarded to a high school graduate who has and continues to demonstrate exemplary community service, to be used towards college expenses.


Stephen Dooley Community Service Scholarship con’t

At the scholarship presentation it became very clear to me that we had picked the right winner. Steve Trezza scholarship application was an impressive list accomplishment in helping his local community. He has also received several special recognitions and awards from long list of respected organizations “International Rotary Club, Boy Scouts of America, Town of Hempstead” just to name a few. Plus Steven has shown and ability to organize and supervised volunteers thru his work with the Eagle Scouts and other volunteer groups. I know some of us old folks question today’s teenagers. Well if ever need to recharge your batteries perhaps you may want to see what today’s graduates are accomplishing. Their out helping their friends, family and community to recover from Sandy and improve the lives. I can honestly say that it was a feel good experience to see and hear Steven and the rest of his peer’s accomplishments. We wish them continued success and good luck in the constantly challenging world. Lastly, my favorite part of the night as I was leaving a lady in the next row mentioned that she knew Stephen Dooley and mentioned that he was “a great guy”.




Steven Trezza 245 Woodlawn Road West Hempstead, NY 11552 (516)486-4726 June 5, 2013 Steven Visco, PhD, AAI President Tri County Independent Insurance Agents Association Administration Office P.O. Box 316 Albertson,NY11507-0316 Dear Dr. Visco and Members of the Board; I am writing to express my sincere thanks for the 2013 Stephen T. Dooly Community Service Scholarship. It is an honor to be chosen as a recipient for this prestigious award. Winston Churchill once said "We make a living by what we get, but we make a life by what we give." Stephen Dooley was leader and I am sure he would agree with me when I say that if one leads by example then there is no finer example to set than one of service. Thank you for recognizing me as someone who in the words of Churchill tried to make a life by what I give. I am a senior at West Hempstead High School and have been accepted to the Hajim School of Engineering and Applied Sciences at the University of Rochester as an undergraduate in Chemical Engineering this fall. As this year's recipient of the scholarship I am grateful for the opportunities this award will provide me. Receiving this scholarship will help reduce my financial burdens and provide assistance to pursue my education. Your generosity truly makes a difference. Once again please accept my sincere thanks.


Steven Trezza


Joel S. Pollack Memorial Scholarship Award by Bruce Chester TriCounty Past President 2004 - 2005

 On Wednesday May 22nd at the Academic Awards at Carle Place High School, TRI-COUNTY past President Bruce Chester of the Chester Agency presented  the Joel S. Pollack Memorial Scholarship Award . The award was presented to Joni Christel a Senior at Carle Place High. Bruce mentioned that the award was started 15 years ago in memory of Joel S. Pollack an Independent Insurance Agent who was killed by a Drunk Driver. He also mentioned that the award goes to the student that writes, in the opinion of the scholarship committee the best essay answering an insurance question.               This year’s question was “ explain what factors effect auto insurance rates?”. Joni went through many factors that effect rates in her essay. It almost seemed like she had spent time in the Insurance Industry her essay was so thorough, which I mentioned in my presentation.  Joni is a Triplet and the other triplets are boys so she knew how much they pay for auto insurance, and she mentioned that in her essay.                 When she came up for the award she said to me “ I COULD CRY “ she was so happy to get it. Our check for $2,500 will help pay for her tuition at SUNY Geneseo where she will be attending in the fall. Joni won other awards that night, but she was clearly most excited about ours. It makes you feel good about what we do at TRI- COUNTY.


Letter from Joni Christel Winner of 2013 Pollack Scholarship Dear Mr. Chester: Thank you so much for selecting me as your scholarship recipient. Because of your generosity, it will be much easier for me and my family to pay for my college tuition. This scholarship means the world to me and my family and I cannot thank you enough. Have a wonderful summer and please know that your kindness and generosity its truly appreciated. Sincerely, Joni Christel

Congratulations! We are pleased to congratulate Bob Mackoul on his appointment as President of TriCounty Independent Insurance Agents Association and the 2013 Board of Directors. From Your friends at Clermont Specialty Managers a W. R. Berkley Company

Clermont Specialty Managers, Ltd. 3 University Plaza, Suite 604 Hackensack, NJ 07601 Telephone: 201-518-2500 [33]

Carle Place Union Free School District Carle Place, New York 11514-1788 516-622-6445 fax: 516-622-6457 Daniel Lombardo Guidance Chairperson


Alice Jacoby Leah Lugovina Gail E. Vlacich

622-6474 622-6463 622-6479

High School Counselors

Alison M. Klein

May 24, 2013


Middk School Counselor

TriCounty Independent Insurance Agents Association The "Joel S. Pollack" Memorial Scholarship c/o Scholarship Coordinator P.O. Box 316 Albertson,NY 11507-0316 Dear Scholarship Coordinator: On behalf of the Carle Place High School community I would like to extend our thanks and appreciation for your participation as an award sponsor at last week's Academic Awards Program. Our students have excelled in many areas and possess many talents. Your recognition of their achievements plays an important role in their educational experience. We look forward to your continued participation in the future. Best wishes for an enjoyable summer. Sincerely,

Daniel Lombard Guidance Chairperson DL:kg thanks-sponsors. doc


Long Island Insurance Community Save the Date You are  cordially  invited to  share  in  the  spirit  of  caring  at  the

19th Annual Long  Island  Insurance  Community   Gala

The Premier  Insurance  Industry  Event in  the  Metropolitan  Area Carlyle  on  the  Green Bethpage  State  Park September  26,  2013 5:30  to  9:30  p.m.     Honoring Doug  Elliot President,  Commercial  Markets The  HarOord     For  more  informaQon  contact: Lois  Grant  at  631.940.3746 visit  www.l-­‐i-­‐i-­‐   [35]


Reflections By Tom Crowley

On May 9th my year as IIABNY Chair of the Board concluded with a great event in Cooperstown and a passing of the torch to my successor, Andy Kaufman. Andy will do a terrific job this year and right on his coat tails waits our own Jim Sutton from Long Island ready to take over next May. In my remarks in Cooperstown I mentioned that my year as Chair was the “longest and fastest year of my life”. This is somewhat of an odd way of expressing the fact that the year was chock full of activity, visits across the State and non-stop interaction with IIABNY staff and leadership, yet it went by in the blink of an eye. I have had many people ask me why I would volunteer for this job and take so much time away from work, family and personal interests. The answer goes back to a lesson I was taught by one of the original partners in the firm I have worked for my entire professional career. Gerry DeBaun was a partner at Maran, DeBaun, Cruise and Simonson, an ex-Company man and someone with the highest levels of integrity and professionalism I have ever worked with. Gerry was also a big believer in IIABNY and giving back. Gerry told me in no uncertain terms that I needed to maintain three pillars in my professional life: 1)-commitment to education, 2)-commitment to my industry and 3)-commitment to honesty, integrity and always doing what is best for my client. I took those words to heart and am very grateful to this day for the wisdom behind them. Participating on IIABNY committees or Boards puts volunteers on the front line of legislative and regulatory activity. It dials them into industry news and exposes


Reflections con’t them to insurance company leaders and changing ideas that will impact all of us in day to day activities. It makes them hyper aware of what IIABNY can do for them from products and services to education and information. The talented folks in Syracuse are an absolute font of knowledge and expertise and not taking advantage of this resource is an terrible mistake. Supporting IIABNY with dues payments, use of services and contributions to Insurpac and IIAPAC is a must in our professional lives. In Cooperstown I was able to recognize individuals who have made an impact in my year or their careers for IIABNY. Our Outstanding Committee Chair award went to Dave Borg Jr. for his work as Chair of Next Gen. The Local Association of the Year Award was shared by Suffolk and Tri-County for all their good works, especially in responding to and dealing with Sandy. The Distinguished Service Award was presented to my wife Julie for her support and understanding, to Pat Calvert for her career long dedication to the independent agency system and all of the agents in Suffolk and Tri County and lastly, to Kathy Lawler for being an outstanding IIABNY staffer who made my year a lot more smooth and organized than it would have been if left to me to organize. One final award I’d like to mention was the Thom McDaniel Exemplar Award presented to Nick Steffey of Narragansett Bay Insurance Company. Thom and Nick worked together to help insurance agents on Long Island several years back by having NBIC buy a chunk of Adirondack’s book that they needed to excise due to over exposure. NBIC stepped in and has become a rock for LI agents and consumers alike. Nick is a tremendous guy who I am glad we were able to honor as the first winner other than Thom McDaniel of this prestigious award. It was also an absolute pleasure being able to spend time with Nick and listen to his ideas and thoughts as our industry moves forward.


Reflections con’t

Over the course of the year we met with the DFS, NYPIUA, NYSIF and numerous legislators, company leaders and other industry figures. The exchange of ideas and information was illuminating and any progress that can be made to help our industry and independent agents in particular is worth the time and effort we spend. I would encourage all of you to volunteer and learn more about what IIABNY can do for you. I assure you the experience is extremely beneficial and rewarding and if many of us give a little bit of our time and money to support our industry we will see great dividends.

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Do I Need Rental Car Insurance? From The Insurance Information Institute Properly insuring a rental car can be confusing, frustrating and downright daunting. Unfortunately, many consumers do not even think about car rental insurance until they get to the counter, which can result in costly mistakes—either wasting money by purchasing unnecessary coverage or having dangerous gaps in coverage. Before renting a car, the I.I.I. suggests that you make two phone calls—one to your insurance professional and another to the credit card company you will be using to pay for the rental car. Insurance Company Find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car, providing you are using the car for recreation and not for business. If you have dropped either comprehensive or collision on your own car as a way to reduce costs, you will not be covered if your rental car is stolen or damaged in an accident. Check to see whether your insurance company pays for administrative fees, loss of use or towing charges. Some companies may provide an insurance rider to cover some of these costs, which would make it less expensive than purchasing coverage through the rental car company. Keep in mind, however, that in most states diminished value is not covered by insurers. Credit Card Company Insurance benefits offered by credit card companies differ by both the company and/or the bank that issues the card, as well as by the level of credit card used. For instance, a platinum card may offer more insurance coverage than a gold card. Credit cards usually cover only damage to or loss of the rented vehicle, not for [41]

Do I Need Rental Car Insurance? con’t other cars, personal belongings or the property of others. There may be no personal liability coverage for bodily injury or death claims. Some credit card companies will provide coverage for towing, but many may not provide for diminished value or administrative fees. Some credit card companies have changed their policies, too, so you may not have as much coverage as you thought. To know exactly what type of insurance you have, call the toll-free number on the back of the card you will be using to rent the car. If you are depending on a credit card for insurance protection, ask the credit card company or bank to send you their coverage information in writing. In most cases, credit card benefits are secondary to either your personal insurance protection or the insurance offered by the rental car company. If you have more than one credit card, consider calling each one to see which offers the best insurance protection. At the Rental Car Counter Since insurance is state regulated, the cost and coverage will vary from state to state. Consumers, however, can generally choose from the following coverages:   Loss Damage Waiver (LDW) Also referred to as a collision damage waiver outside the U.S., an LDW is not technically an insurance product. LDWs do, however, relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges the renter for the time a damaged car can not be used because it is being fixed. It may also cover towing and administrative fees.


Do I Need Rental Car Insurance? con’t

Waivers, however, may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have comprehensive and collision coverage on your own car, check with your personal auto insurer to make sure you are not duplicating coverage you already have. Should you decide it is necessary, this coverage generally costs between $9 and $19 a day. Liability Insurance By law, rental companies must provide the state required amount of liability insurance. Generally, these amounts are low and do not provide much protection. If you have adequate amounts of liability protection on your own car, you may consider forgoing additional liability protection. If you want the supplemental insurance, it will cost between $7 and $14 a day. An umbrella liability policy, however, may be more cost-effective. Umbrella liability insurance is so named because it acts like an umbrella, sitting on top of your auto and homeowners (or renters) liability policies to provide extra protection including accidents while driving your own car or one that you rent. These policies, usually sold in increments of a million dollars, cost as little as $200 to $300 annually for a million dollars worth of coverage and another $50 to $100 for each additional million. Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car. Personal Accident Insurance Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your [43]


Do I Need Rental Car Insurance? con’t own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day. Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day. If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a (con’t p.46)


Quaker Special Risk is the appointed Program Administrator for an ‘A’ XV rated carrier

Program for Luxury Homebuilders and Remodeling/Renovating GC’s Qualification Requirements: Residential General Contractors involved in the construction of single family or two family homes or Remodeling/Renovation General Contractors performing commercial or residential work that subcontract most of their work. Maximum 15 new starts per policy year for home builders. Coverage Outline: Commercial General Liability Policy Form: CG0001 (07/98) Per Project Aggregate Blanket Additional Insured (including completed operations) Blanket Waiver of Subrogation Primary Non Contributory Employee Benefits Liability Competitive Rating Structure Limited Pollution Coverage Extension

Recently Reduced Minimum Premiums for all Programs

Two New QSR Contractor Programs Now Available * Solar Contractor Program * Artisan Contractor Program Submission Requirements: 4 years of currently valued loss runs Minimum 3 years in business or 6 years of construction experience Acord Application & Supplemental Application (see our Web Site) Copy of Subcontractor Agreement Number of new home starts and average sales price per home Direct Payroll, cost of subcontractors & gross annual revenues *Other markets are available for risks not fitting this profile For more information call Frank Walsh at 800-447-4180 ext. 2232,

Quaker Special Risk [44]

P.O. Box 1350 Eatontown, NJ 07724 800-447-4180 • Fax 732-223-9072

Jerry Brunell Memorial Fishing Outing Wednesday August 21, 2013 Again this year, Downstate will hold its annual Fishing Excursion on the “Fishtale� 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 631-650-9394

Please fill out and send with your check payable to Downstate Council Return to Martin Rosenthal 42 Keswick Drive East Islip, NY 11730 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. [45]

Do I Need Rental Car Insurance? con’t

personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader. Other Things to Consider States have minimum age requirements for renting a car and most major rental car companies refuse to rent a car to someone who is under 21 and in some cases under 25. In addition, some rental car companies now investigate your driving record and/or credit history so check with the rental car company before picking up the car. If you are planning to rent a car abroad, contact both your insurance agent and travel agent to find out what you need to do to be properly insured. Those driving a rental car from the U.S. into Mexico may find it progressively more difficult to rent a car as U.S. rental car companies are increasingly concerned about the rising crime rates in that country. The minimum required insurance coverage to drive in Mexico is civil liability insurance which covers you in case you cause injury or damage. Your American liability insurance is not valid in Mexico for bodily injury, though some American insurance policies will cover you for physical damage—check with your agent or insurance company representative. You can also buy Mexican car insurance in several American border towns; there are generally several storefronts selling Mexican car insurance near the border. Note: If you're renting a car abroad, you may need an international drivers license.


BuddĂŠ French Cleaners, Inc.,is a full service dry cleaning plant equipped for processing all volume fire, soot, smoke, odor and water restoration dry cleaning claims. We provide a full range of services including on-location inventory, specialty garment care, and storage facilities insured in excess of $1,000,000.00. BuddĂŠ French Cleaners, Inc. 107-11 Metropolitan Ave. Forest Hills, New York 11375-6820 Voice: (718) 263-7474 Voice: (718) 263-7575 Fax: (718) 263-1545

Pryor Personnel Agency Inc. The Insurance Specialist since 1970 local, National and International Recruitment

Phone (516) 935-0100


OFFICERS & DIRECTORS OFFICERS President Robert E. Mackoul, CLU Mackoul & Associates 25 Nassau Lane Island Park, NY 11558 516-431-9100 fax: 516-431-4641 Vice President Frank J. Elorza Club Agency 1051 Franklin Avenue Garden City, NY 11530 516-873-2387 fax: 516-742-70711 Treasurer Peter Phillips pphillips@phillipsbrokerage.c om Phillips Brokerage, Inc. 37-19 Broadway Astoria, NY 11103 718-545-4700 fax: 718-545-8531 Secretary Adam P. Erickson Carlstan North Hills Agency 261-20 Hillside Avenue Floral Park, NY 11004 718-343-6450

Immediate Past President Steven Visco, PhD, AAI C.H. Edwards, Inc. 791 South Main Street Farmingdale, NY 11735 516-249-5200 fax: 516-249-5255

DIRECTORS Dean S. Aloia Aloia McKinnon Ins. Brokerage. 7801 Fifth Avenue Brooklyn, NY 11209 718-836-8000 x 310 James G. Bastian Advantage Partners, Inc. 37-19 Broadway Astoria, NY 11103 347-721-9839 Ronald Brunell, CIC B&B Coverage, Ltd. 1 East Lincoln Avenue Valley Stream, NY 11582 516-872-2300


Andrew Chong HD Underwriting Agency Inc. 159-15 Northern Blvd Suite 102 Flushing NY 11358 718-359-2003 Theodore Garatziotis Narrows Insurance Agency, Inc. 9201 Fourth Ave., 7th Floor Brooklyn, NY 11209 718-745-1500 Alex Giraldo Club Agency 1051 Franklin Avenue Garden City, NY 11530 516-873-2443

OTHER POSITIONS TriCounty IIAA Executive Director Patricia Calvert 132 Peachtree Lane Roslyn Heights, NY 11577 516-621-2209 Tri-Lines Publisher Jeanne Abatelli 150 Dartmouth Drive Hicksville, NY 516-681-6265 TriCounty IIAA Director of Sales Jeanne Abatelli 150 Dartmouth Drive Hicksville, NY 516-681-6265

IIABNY Positions Chair of the Board                            Andrew Kaufman Autora, Inc. 120 Broadway Albany, NY 12204 Phone: 518-449-3180 800-962-7950                                                                IIABNY President & CEO Richard A. Poppa, CAE, AAI IIABNY 5784 Widewaters Pkwy Dewitt, NY 13214 800-962-7950 516-568-0800 Chair Elect of the Board


James D. Sutton, CPCU, AAI, CIC                       James F. Sutton Agency, Ltd.       143-149 Main Street         East Islip, NY 11730 631-446-3165 Regional Director  (L.I.) Kevin R. Crossley AAA of New York Insurance Services, Inc. 1415 Kellum Place, Unit A Garden City, NY 11530 516-873-2256

Committees 2013- 2014 Communications/PR & Website: Alex Giraldo (Chair). Frank Elorza, James Bastian &

Jeanne Abatelli.

Downstate: Bob Mackoul, Frank Elorza & Ron Brunell. Scholarship: Peter Phillips (St. John’s School of Risk Management)

Eileen Black (Dooley & Pollack).

IIABNY Liaison & Member Services: (includes ProjectCap & Trusted Choice) James

Bastian (Chair) Frank Elorza & Pat Calvert.

Legislation & InsurPac: Theo Garatziotis & Andrew Chong (Co-Chairs) & Steve Folan Meetings & Programs: Ron Brunell & Adam Erickson (Co-chairs), Steve Visco, James

Bastian, Jeanne Abatelli & Pat Calvert.

‘Boroughs’ Sub-Committee: Peter Phillips & Dean Aloia (Ch-chairs), Theo Garatziotis,

Andrew Chong &Steve Folan

Golf Outing: Bob Mackoul (Chair), Lane Rubin, David Spiro, Kevin Crossley & Jeanne


NextGen Task Force: Adam Erickson (Chair), Theo Garatziotis & Alex Giraldo Sponsorship & Advertising: Jeanne Abatelli, Frank Elorza, & Steve Visco

Tri-County members are invited to join a committee of their chice. Please contact a committee member or Pat Calvert 516-621-2209 for details.


Advertisers Insurance Companies & Markets Clermont Specialty Managers 3 University Plaza, Suite 604 Hackensack, NJ 07601 Toll Free (800) 504-7012 Telephone (201)518-2500 Fax (201) 342-6381 Magna Carta Companies Lou Masucci 1 Park Avenue New York, NY 10016 Toll Free: 1-888-ONE PARK Phone: 212-591-9500 Fax: 212-591-9621 Morstan General Agency Inc. Al Eskanazy, Bob Birner 600 Community Drive PO Box 4500 Manhasset, NY 11030-4500 Phone: 516-488-4747 Fax: 516-437-5050 New Empire Group 214 W Park Avenue Long Beach, NY 11561 Phone: 866-431-8100 Fax: 516-431-5351

NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset, NY 11030 Phone: 516-365-7440 Fax: 516-496-7356 Program Brokerage Corp. Gary Shapiro, Derek Donnelly 100 Sunnyside Blvd. Woodbury, NY 11797 Phone: 516-496-1346 Fax: 516-496-1359 Quaker Special Risk Camille Windler 226 5th Avenue, 4th Flr. New York, NY 10001 Phone: 516 428 0716 Fax: 732-223-9072 Email: Brian Botwinick Eatontown, NJ Toll Free: 800-447-4180 Email: VANE Excess & Surplus, Inc. Anthony Cacioppo 103 Fort Salonga Rd, Ste 4 Northport, NY 11768 Phone: 631-366-5353 Email:


Insurance Services Bank Direct Capital Finance Steven Sternberg 1122 Franklin Ave, Fl 2 Garden City NY 11530-1602 Phone: 877-226-5456 Fax: 877-226-5297 Email:ssternberg@bankdirectcap Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville, NY 11801 Phone: 516-935-0100 Fax: 516-931-7842 Email:

Advertisers Restoration Services BELFOR Gary J. Alexander 60 Raynor Ave. Ronkonkoma, NY 11779 Phone: 631-471-3131 x121 Fax: 631-471-2905 BuddeFrench Cleaners, Inc. Bob Teichman, Ilan Yunger 107-11 Metropolitan Ave. Forest Hills, NY 11375 Phone: 718-263-7474 Fax: 718-263-1545 Email: Great American Restoration Services, Inc. David Pinto 2623 N. Jerusalem Rd. East Meadow, NY 11554 Phone: 516-783-5053 Fax: 516-783-5054 Email: DAVIDPINTO@GARSINC.COM


Sponsor Information Adirondack Insurance Michele Russo 3 Huntington Quadrangle, Suite 201S Melville NY 11747 Tel: 631-793-4909 Email: Chubb Group of Insurance Companies 55 Water Street, 28th - 30th Floors New York, New York 10041 Tel: (212) 612-4000 Fax: (212) 612-4693 Chubb Group of Insurance Companies 333 Earle Ovington Blvd.- Suite 210 Uniondale, New York 11553-3644 Tel: (516) 745-8200 Fax: (516) 745-8498 Evans & Associates, LLC Steven A. Sherman, CFP 21 Morris Avenue Rockville Centre, NY 11570 Phone: 516-345-0301 Fax: 516-345-0302 Harleysville Group Tracy Benison 120 Front Street Worcester MA 01608 Phone: 800-225-7387 Fax: 617-899-5937 Email: Interboro AutoOne Insurance Peter Resnick 155 Mineola Blvd Mineola NY 11501 Phone: 516-248-1100 Fax: 516-741-7839 Email:presnick@interboroinsuran

Kingstone Insurance Company John Reiersen, CPCU 15 Joys Lane Kingston, NY 12401 Phone: 845-340-8366 Fax: 845-340-8393 Email: Magna Carta Companies Lou Masucci 1 Park Avenue New York, NY 10016 Toll Free: 1-888-ONE PARK Phone: 212-591-9500 Fax: 212-591-9621 MAPFRE Greg Duddy 901 Franklin Ave Garden City, NY 11530 Phone: 1-855-MAPFRE2 Email: Morstan General Agency, Inc. Al Eskanazy, Bob Birner 600 Community Drive PO Box 4500 Manhasset, NY 11030-4500 Phone: 516-488-4747 Fax: 516-437-5050 Narragansett Bay Insurance Company Donna Doyle Phone: 516-352-2764 Fax: 516-352-2793 The Hanover Insurance Group David De Vinney 100 Jericho Quad.-Ste 236 Jericho NY 11753 Phone: (516) 733-6400 Email:


The Rough Notes Company Inc. Rough Notes Magazine Walt Gdowski 11690 Technology Drive Carmel, Indiana 46032-5600 Phone: 800-428-4384 Fax: 317-816-1001 Tower Group Companies Ray Lamitola 3 Huntington Quadrangle, Suite 201S Melville NY 11747 Phone: 631-465-1350 Fax: 631-465-1325 Email: Servpro of Port Port Jefferson Risa Kluger 501 Middle Country Rd. Coram, NY 11727 Phone: 631-476-5300 Fax: 631-476-16695 Email: m Servpro of Hicksville/Plainview 516-733-1800 516-433-5511


Trilines July/August 2013 Issue  
Trilines July/August 2013 Issue