PIA Connection -- PIA’S 2021 Legislative Priorities

PIA National Guide to Member Benefits

pages 11–14 2021 V1

PIA CONNECTION NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS

PIA’s 2021 Legislative Priorities PAGE 9

PIA MEMBER BENEFIT SPOTLIGHT:

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PIA National Guide to

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NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS

PAGE 11

PRESIDENT Wayne F. White, CPA, CPIA, PFMM (AR) wwhite1948@aol.com PRESIDENT-ELECT Anthony Curti, CIC, LIC (MI) tcurti@acrisure.com VICE PRESIDENT/TREASURER Gerald F. Hemphill, CIC, LUTCF (VA/DC) ghemphill@gfhinsurance.com SECRETARY/ASSISTANT TREASURER Richard A. Savino, CIC, CPIA richs@broadfieldinsurance.com IMMEDIATE PAST PRESIDENT Dennis D. Kuhnke, CIC, CPIA (WI) dkuhnke@robertsonryan.com EXECUTIVE VICE PRESIDENT/CEO Mike Becker (PIA National) mikebe@pianet.org PUBLISHER/EDITOR-IN-CHIEF Ted Besesparis | tedbe@pianet.org MANAGING EDITOR Sade Hale | sadeha@pianet.org ADVERTISING DIRECTOR Alexi Papandon, CAE | alexipa@pianet.org GOVERNMENT AFFAIRS EDITOR Jon Gentile | jonge@pianet.org

PIA_MbrBenefits_2021.indd 1

2/2/21

CONTENTS NEWS BRIEF 6-7 Damage from Capitol Riot Not Insured…H/O policies May Not Cover Insurrections…Pandemic Prompts Insurers to Cut Coverage…

Trump Signs Bill Voiding McCarran-Ferguson Protections for Health Insurers…Pandemic Spurs Technology Growth in Insurance Industry…

Repost Shows COVID Impact on Claims, Premium.

8

PIA’S 2021 LEGISLATIVE PRIORITIES A look at PIA’s 2021 legislative issues of focus for our Capitol Hill Advocacy program.

COVER STORY

CAPITOL HILL UPDATE – PIA’S ADVOCACY CONTINUES PIA’s Jon Gentile looks ahead at PIA Advocacy under a new Congress and Administration.

10

REGULATORY AFFAIRS EDITOR Lauren Pachman, Esq. | laurenpa@pianet.org

PIA WORKS FOR YOU THROUGHOUT THE YEAR

MARKETING EDITOR Nicolette Bowman | nicolettebo@pianet.org

PIA NATIONAL GUIDE TO MEMBER BENEFITS PIA’s annual guide to almost all that PIA membership provides.

CONTRIBUTING EDITOR Patricia A. Borowski, CPIW PRODUCTION EDITOR Laurel Prucha Moran | laurelpm@blueroomstudio.com January 2021 PIA Connection is published ten times yearly by the National Association of Professional Insurance Agents.

419 North Lee Street Alexandria, Virginia 22314 ©2021 All rights reserved.

The information in this publication is general in nature and is not intended to serve as legal, accounting, financial, insurance, investment advisory or other professional advice as to any reader’s particular situation. Users are encouraged to consult with competent legal, financial, insurance, investment advisory and or other professional advisors concerning specific matters before making any decisions and we disclaim any responsibility for any decisions or actions by readers.

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11-14

DEPARTMENTS From the President . . . . . . . . . . . . . . . . . 5 From the CEO . . . . . . . . . . . . . . . . . . . . 5 PIA National Member Benefits . . . . . . . . . . .16 PIA Member Benefit Spotlight . . . . . . . . . . .17 Upcoming PIA Webinars . . . . . . . . . . . . . .17 PIA Connection Marketplace . . . . . . . . . . . .17 PIA Affiliate Listings . . . . . . . . . . . . . . . .18

All PIA members receive PIA Connection at the member subscription rate of $12.00 per year.

Non-member subscriptions available at $24.00 per year ppd.

PIA CONNECTION | www.pianet.com

For additional information on any of the subjects addressed in this publication, please access the PIA National website at www.pianet.com.

Cover image: Deposit Photos

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FROM THE PRESIDENT AS AGENTS, DOING OUR EVERY-DAY BUSINESS, do we honestly think about the true protection we are providing for our insureds? Our job, our responsibility to our customer, becomes very real when the protection is your own!

While away from home on a week-long vacation the week before Christmas, I received a phone call from my neighbor in Arkansas. “Wayne, your house is on fire” was not a call I ever anticipated. Returning home, I contacted my independent agent and notified him of the fire and he did the job! I was contacted by the carrier the next morning (Saturday) and the journey began. The realization that everything was totally lost was devastating.

As I worked through our coverages, I realized what a great job the agent and the carrier did in protecting our assets. I also realized that beyond putting coverage in place, the agent plays a crucial role in advising the customer beyond the dollar amounts of coverage contained in the policy--the counseling, what you might expect should a claim occur and what may be provided in a worst-case scenario.

Are we advising our customers about fire and theft prevention measures that should be taken? How about those valuables that should be scheduled? Are there limits on unscheduled specific classes of assets? Do limits apply based

on the type of claim? Is there an inventory of personal property either written or video?

Our agent addressed all of these with me as we were initiating the application. And I wish I had followed all his advice. No inventory of personal property resulted in a major undertaking of weeks trying, room-by-room, to account for every item that was in the house at the time of the loss.

The importance of the agent/carrier relationship became more than just a “market,” it became a reality as the two worked together to assist in making the claim process a productive way forward rather than an argument over coverage and dollars and what should have been.

This has been a stark reminder of both the value and the importance of the role agents play in our lives. Take it from me, one of the best things homeowners can do is to conduct a regular, yearly policy review together with their Professional Insurance Agent.

Wayne White President

FROM THE CEO AS 2021 BEGINS, WE APPROACH THE ONE-YEAR mark of the coronavirus crisis.

When the crisis first struck in early 2020, PIA wasted no time moving into high gear, literally doing everything we can to assist our members in meeting the new challenges.

PIA initiated a wide range of programs to assist agents in meeting the challenges that COVID-19 presented to their agencies. This issue of PIA Connection includes the new 2021 PIA Guide to Member Benefits, an updated, detailed fourpage summary of these business-building programs, all created to help you succeed.

All of these new efforts are in addition to PIA’s usual portfolio of activities. Our advocacy program is out with its new, expanded list of 2021 PIA Legislative Priorities, also outlined here. With a new administration and a new lineup in Congress, is even more critical that PIA continue its nonstop Capitol Hill

PIA CONNECTION | www.pianet.com

advocacy on behalf of professional insurance agents.

Heading into 2021, we will continue to work with our carrier partners of The PIA Partnership, who have provided us with key assistance in program development and whose continuing support of the agency distribution system is exemplary and greatly appreciated.

One year of unique, critical challenges has demonstrated the commitment and ability of professional insurance agents to be resilient, adapt, and successfully meet these challenges. We will all emerge stronger. Our future is bright.

Mike Becker Executive Vice President & CEO

2021 V1 | 5

!

NEWS BRIEF

40%

PANDEMIC PROMPTS CONSUMERS TO CUT COVERAGE Nearly four in 10 U.S. consumers said they reduced or eliminated insurance coveristockphoto Anthony Peltier

age this past year as a way to help save money, according to a ValuePenguin.com survey. The most common lines that saw reductions or were cut out completely were healthcare, auto poli-

DAMAGE FROM CAPITOL RIOT NOT INSURED Insurance industry officials say U.S. taxpayers will have to pay for damage caused by rioters at the U.S. Capitol on January 6. They say the U.S. Capitol and the surrounding grounds are not covered by a policy. The people involved in the attack broke windows, doors, art, and furniture. The exact cost of the incident remains unknown.

cies and dental, respectively.

Slightly more than 30% reduced coverage, while 35% eliminated at least one policy in 2020, the survey revealed.

Saving money was the main reason cited for doing so, while 29% reported an

The Architect of the Capitol, which manages building

inability to afford coverage.

preservation and maintenance, is also expected to pay for

The survey also found that

some of the costs. When it comes to repair and cleanup

40% of respondents making

costs, the federal government has considered insurance

more than $100,000 a year

too costly to acquire. This stance did not change after the

completely eliminated their

Sept. 11 terrorist attacks, which caused as much as $1 bil-

auto coverage.

lion in damage at the Pentagon.

While some Americans felt they had no choice but to

H/O POLICIES MAY NOT COVER INSURRECTIONS

reduce or eliminate coverage, slightly more than a quarter

In Washington, D.C., homeowners have had to think

of survey respondents said

about the unthinkable — an insurrection and possible

they would never consider

property damage and whether it is covered by their

such measures. Of those

homeowners insurance policies. Typically, homeown-

that cut coverage in the past

ers insurance policies exclude those kinds of situa-

year, 63% said they regret the

tions, with exclusions for war, undeclared war, civil

decision, and more than half

war, insurrection, rebellion, or revolution. With more

plan to restore coverage in

political unrest possible, homeowners may want to

the future.

review their policies and check for additional coverage for the unforeseen.

6 | 2021 V1

OF U.S. CONSUMERS SAID THEY REDUCED OR ELIMINATED INSURANCE COVERAGE THIS PAST YEAR TO SAVE MONEY Source: ValuePenguin.com

bers, as 65% of those that were laid off or furloughed because of the pandemic cut or reduced coverage.

TRUMP SIGNS BILL VOIDING MCCARRANFERGUSON PROTECTIONS FOR HEALTH CARRIERS Days before leaving office, President Donald Trump signed H.R. 1418 to repeal the partial antitrust protections afforded to health and dental insurers, a measure opposed by both the health insurance industry and the National Association of Insurance Commissioners.

The bill ends the longstanding antitrust exemption for the health insurance industry under the McCarran-Ferguson Act of 1945, according to a statement from bill sponsor U.S. Rep. Peter DeFazio (D-Oregon). Supporters of the bill suggest it is a consumer-friendly anti-pricegouging tool. It was passed in December by unanimous consent in the U.S. Senate

The unemployment situation

and by voice vote in the

did play a role in these num-

House over the objections of

www.pianet.com | PIA CONNECTION

!

NEWS BRIEF istockphoto

PANDEMIC SPURS TECHNOLOGY GROWTH IN INSURANCE INDUSTRY Edin Imsirovic, associate director at AM Best, says market pressure from the pandemic advanced innovation by a couple of years or so. Insurers increasingly used their catastrophe models, drones, and mobile apps during the COVID-19 pandemic, and insurers anticipate growth in the technology even after the health crisis passes.

Serge Gagarin, manager of segment marketing at AIR Worldwide, says that “large-scale systems integration projects,” big projects insurers might be undertaking, are developing independently of the pandemic. Insurers have adopted catastrophe modeling for predicting the severity of events and for claims handling. The California Department of Insurance is considering how catastrophe models predict wildfire risk and whether they can be used in rate-making, the subject of a virtual public hearing last month.

“Technology growth hasn’t always been a priority in the insurance industry. We’re a slow industry to adopt things sometimes, I dare say,” said Don Griffin, vice president of personal lines for the American Property Casualty Insurance Association.

health insurers and the NAIC, which

destabilize markets, create conflicting

report, based on NCCI estimates and

said state antitrust laws sufficiently

federal and state oversight require-

data from the National Association of

protect consumers.

ments and lead to costly litigation.”

Insurance Commissioners, indicated

“Removal of this exemption adds tremendous administrative costs while delivering absolutely no value for

REPORTS SHOW COVID IMPACT ON CLAIMS, PREMIUM

that net premium for calendar year 2020 is estimated to be at just under $39 billion, down 8.1 percent from

patients and consumers,” Matt Eyles,

The National Council on Compensa-

2019, and the combined ratio will

president and chief executive officer of

tion Insurance (NCCI) reported that

rise to 86 percent from 85 percent for

America’s Health Insurance Plans, told

net written premium for workers’

private carriers nationwide. A lower

AM Best in December. “It will unnec-

compensation took a hit in 2020,

percentage indicates higher profits in

essarily add layers of bureaucracy,

but profit levels remain strong. The

the combined ratio equation.

Frank and Ernest is used with the permission of the Thaves and the Cartoonist Group. All rights reserved.

PIA CONNECTION | www.pianet.com

2021 V1 | 7

PIA's 2021 PIA’s 2021 Legislative Priorities

Legislative Priorities

In 2021, the National Association of Professional Insurance Agents (PIA) will build upon our 2020 legislative victories and continueInto2021, advocate for professional independent insurance agents.

While newwill leadership has the National Association of Professional Insurance Agents (PIA) build upon ourarrived 2020 in the White House and changes in Congress will giveto the Democrats a smaller House majorityinsurance and a new but razor-thin Senate legislative victories and continue advocate for professional independent agents.

While new has arrived in the WhiteHouse changes Congress will give the Democrats ainsurance smaller agents. majority,leadership PIA’s nonstop advocacy efforts continueand as we pursueinour work on behalf of professional House majority and a new but razor-thin Senatemajority, PIA’s nonstop advocacy efforts continue as we pursue work behalf professional agents.to promote the needs of professional independent While the items our below areonour top of priorities, PIA isinsurance always working agents, wherever those needs take us.

While the items below are our top priorities, PIA is always working to promote the needs of professional independentagents, wherever those needs take us.

Help Businesses Affected by COVID-19: PIA will continue to work with members of Congress on legislative solutions small businesses and to the ongoing COVID-19 crisis withby anCOVID-19: emphasis on immediate Help Businesses Affected PIAproviding will continue to workrelief with to members of Congress onenabling them to survive in the current economic climate.COVID-19 We have also a lead role inon developing protect legislative solutionsto the ongoing crisistaken with an emphasis providing solutions immediatetorelief to businesses small businesses and enabling themto the current economic climate. We have also taken a and employees from the economic effects of asurvive future in pandemic. lead role in developing solutions to protect businessesand employees from the economic effects of a futurethe pandemic.

Reauthorize National Flood Insurance Program: The National Flood Insurance Program (NFIP) will expire on Sept. 30. PIA supports a long-term reauthorization of the NFIP that recognizes the key role agents play in delivering the Reauthorize the National Flood Insurance Program: The National Flood Insurance Program (NFIP) program to consumers. will expire onSept. 30. PIA supports a long-term reauthorization of the NFIP that recognizes the key role agents play in delivering theprogram to consumers.

Protect Crop Insurance: PIA supports the vital role that independent agents play in the delivery of crop insurance and opposesProtect cuts to Crop it. TheInsurance: next FarmPIA Bill supports will need the reauthorization 2023, and PIA is already with on vital role thatin independent agents play inengaging the delivery ofpolicymakers crop insurance andopposes the process of reauthorizing it.cuts to it. The next Farm Bill will need reauthorization in 2023, and PIA is already engaging with policymakers onthe process of reauthorizing it.

Create Cannabis Safe Harbor for Agents: PIA supports legislation to protect agents, brokers, and insurers against Create Cannabis Safe Harbor for Agents: PIA supports legislation to protect agents, brokers, and federal criminal prosecution and civil liability for those who engage in the business of insurance with cannabis-related insurers againstfederal criminal prosecution and civil liability for those who engage in the business of businesses in states that have legalized cannabis in some form. insurance with cannabis-relatedbusinesses in states that have legalized cannabis in some form.

Defend Defend the State Regulatory System: PIA supports a modern, state-based insurance regulatory system theInsurance State Insurance Regulatory System: PIA supports a modern, state-based insurance regulatory systemand opposes federal regulation that threatens or supports replace it.the As such, and opposes federal regulation that threatens to undermine or replacetoit.undermine As such, PIA repealPIA of the supports the repeal of theFederal Insurance Office (FIO).

Federal Insurance Office (FIO).

Make Permanent Tax Relief for Passthrough Entities (S Corporations): PIA supported the 2017 tax Make Permanent Tax Relief for Passthrough Entities (S Corporations): PIA supported the 2017 tax deduction for deduction forsmall business owners of independent insurance agencies that organize as passthrough small business owners of independent insurance agencies that organize as passthrough entities. The passthrough tax entities. The passthrough taxdeduction will expire if Congress does not act to make it permanent, and deduction expire if Congress PIAwill encourages Congressdoes to donot so.act to make it permanent, and PIA encourages Congress to do so.

Additional Issues of Importance: As always, PIA’s work continue to extend to countless other other issues in 2021, Additional Issues of Importance: As always, PIA’swill work will continue to extend to countless in 2021,including insurance data of security; the defense of the health employer-sponsored healthand insurance includingissues insurance data security; the defense the employer-sponsored insurance market; the market; and theimplementation of the Association of Registered Agents and Brokers (NARAB). implementation of the National Association ofNational Registered Agents and Brokers (NARAB).

CAPITOL HILL UPDATE

By Jon Gentile Vice President, Government Relations PIA National

PIA’S ADVOCACY CONTINUES WITH NEW CONGRESS, ADMINISTRATION THE POLITICAL LANDSCAPE on Capitol Hill for the next two years has finally taken shape. The big question mark had been how runoffs for two key Senate seats in Georgia would turn out.

On January 5, Georgia voters participated in two runoff elections to choose their Senators for the 117th Congress. Each state’s Senate seats are classed so that voters typically only elect one of their two Senators in a single election cycle. However, in November 2020, both of Georgia’s Senators, Republicans David Perdue and Kelly Loeffler were up for re-election simultaneously.

Pursuant to Georgia law, if no candidate in the November general election receives 50 percent of the vote, the top two finishers advance to a runoff election. In Georgia, in the November elections between Democratic challengers Jon Ossoff and Raphael Warnock and incumbent Republican Senators David Perdue and Kelly Loeffler, respectively, no candidate received 50 percent of the vote.

In the resulting runoffs, both Democratic challengers defeated Senators Perdue and Loeffler. As a result, Democrats will have a slim Senate majority in the 117th Congress.

That means the Senate will be evenly split, with 50 Republicans and 50 Democrats. Vice President Kamala Harris (D), in her role as President of the Senate, gets to cast the deciding vote in the event of a tie. The Georgia runoff results will be helpful to the PIA CONNECTION | www.pianet.com

Biden administration, which will be able to move more of its legislative agenda than originally expected.

The Senate split makes Sen. Charles Schumer (D-NY) the Majority Leader, replacing Sen. Mitch McConnell (R-KY), who becomes Minority Leader. In addition, Democrats will become the chairpersons of Senate committees. Most significantly, as Majority Leader Schumer will control the calendar and agenda of the Senate, with the power to schedule—or to not schedule—bills for votes, a power formerly exercised by McConnell.

As a result of the elections, Democrats will continue to control the House, albeit with a much thinner majority. The leadership in the House remains the same with the Jan. 3 reelection of Rep. Nancy Pelosi (D-CA) as speaker. Steny Hoyer (D-MD) will retain his role as Majority Leader. The Republicans elected Kevin McCarthy (R-CA) to serve again as Minority Leader in the House; Rep. Steve Scalise (R-LA) will serve as Minority Whip.

ADVANCING PIA’S PRIORITIES With the swearing-in of a new Congress, all bills that were introduced but not passed by both chambers and signed into law must be reintroduced.

PIA has already begun working with congressional allies to assist in the process of reintroducing legislation that is important to professional independent insurance agents.

PIA will continue to advocate for policies that help independent insurance agents protect consumers:

strengthening the National Flood Insurance Program (NFIP); protecting employer-sponsored health care; supporting the repeal of the Federal Insurance Office (FIO) and opposing proposals that threaten our robust state insurance regulatory system; and initiating the process of reauthorizing the Farm Bill, which includes crop insurance. The entire Farm Bill is scheduled for reauthorization in 2023.

In addition, PIA will continue our work with Congress on a legislative response to the ongoing coronavirus crisis, focusing on providing immediate relief to small businesses and enabling them to survive in the current economic climate. We’re also deeply engaged in developing proposals to protect businesses economically from future pandemics.

With a new administration and a new lineup in Congress, PIA will continue its nonstop advocacy efforts on behalf of professional insurance agents by promoting our 2021 legislative priorities (a snapshot of which can be found on the previous page).

PIA is always working to promote the needs of professional independent agents, wherever those needs take us.

PIA is already actively engaging on many of these issues with the 117th Congress, and our issues of focus for PIA Advocacy Day will include several of these issues.

PIA’s 2021 Advocacy Day will be held on May 12, 2021.

Jon Gentile is vice president of government relations at PIA National.

2021 V1 | 9

PIA Works for You Throughout the Year When the world was turned on its head in early 2020, PIA created programs to help agents during the pandemic and beyond.

2020 NEWEST PIA MEMBER BENEFITS

Ready for Everything New crisis resource hub from PIA and The PIA Partnership.

PIA Member Reimbursement Program PIA members can receive reimbursements on select PIA marketing and PIA Partnership programs (up to $250 per program, for a total of up to $500).

2020 PIA ADVOCACY VICTORIES

PIA Blueprint for Agency Success A 3-part resource guide for business planning, growth strategies, and agency continuity.

IdealTraits Hiring Tool Agencies looking to hire top performers can hire easily with this comprehensive hiring tool.

National Flood Insurance Program (NFIP) Extension PIA successfully protected agent commissions from cuts in legislation to reauthorize the NFIP. PIA also advocated for the NFIP’s extension to September 30, 2021.

Advocacy on COVID-19 Related Issues PIA successfully advocated for programs designed to provide relief for small businesses struggling due to COVID-19, including: • Creation of the Paycheck Protection Program (PPP) and provision of a second draw for the PPP, establishing a streamlined loan forgiveness process for certain PPP borrowers, and preventing PPP borrowers from being subjected to a surprise tax on their loan proceeds.

• Successfully opposed attempts to retroactively rewrite existing business interruption provisions and led the agent community in developing policy solutions to protect businesses from a future pandemic.

Membership in PIA just keeps growing in value! Lots more is on the way!

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2021 V1 | 11

For online access to the PIA National member benefits listed Business-building tools

Insurance products

> PIA Member Reimbursement Program: PIA is here to help your agency get back to business. Receive reimbursements on PIA marketing and PIA Partnership programs (up to $250 per program, for a total of up to $500). www.pianet.com/agentsupport

> E &O insurance. Professional liability, errors and omissions insurance. With access to multiple markets with differing appetites, including admitted and non-admitted markets, chances are we can find the coverage and price that’s right for you, even if you have a more unusual risk.

Visit www.pianet.com/eando.

> PIA DMV: PIA’s Direct Marketing Vault. A one-stop shop for direct mail and digital advertising services. Customizable postcard templates are available to use with the USPS Every Door Direct Mail Program and Targeted Direct Mail. Double your impact with add-on digital advertising services. www.piadmv.com

> PIA agents umbrella program. Excess insurance protection includes E&O and business liability coverage, with available endorsements for EPL and personal coverage. Coverage not available in all states.

> PIA Branding Program. Market your agency using PIA’s print advertisements, radio commercials, social media support and consumer-friendly issue papers for your clients and prospects. > Hartford Flood Insurance. Easy enrollment, dedicated local sales directors and book transfer/rollover team, training/ CE, free certified zone determinations, 24/7 claims reporting and special PIA member commissions regardless of volume. > PIA Market Access. Access to over 50 national and specialty carriers, real-time online rating, ownership of your book and no exit fees for a low monthly rate.

Visit www.piamarketaccess.com.

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Agency management tools

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> PIA Blueprint for Agency Success. A 3-part resource guide for business planning, growth strategies, and agency continuity.

Through our ongoing activities with The PIA Partnership, PIA’s company council, we develop hands-on tools specifically designed for use by agents to help them strengthen their agencies.

> ACORD Forms End User Licenses. Available for free to qualifying PIA members who access ACORD forms through agency management systems and other authorized distributors. Plus PIA member discounts on the ACORD Advantage Plus Program.

Tools from The PIA Partnership

> Agency Agreement Review Service. Free to members and carriers, PIA recommends changes to carriers and highlights concerns for members so they can make informed decisions about the agreements they sign.

The PIA Partnership — a joint effort of leading insurance carriers and PIA — develops hands-on tools for PIA member agencies such as: > Winning@Virtual Sales and Service. Modern agents must be prepared to sell and service virtually. This program addresses how agencies should transform themselves to take advantage of modern technology and changing consumer expectations caused by changes in technology. > Ready For Everything. This hub brings together resources for crisis planning and preparation, so that agents can survive any crisis.

> Employee profiling. Hire the right people with skills and personality testing from OMNIA.

Learn how to prepare for crisis – all in one place.

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> Winning@Talent. Your guide to hiring, motivating and retaining the best agency employees.

WINNING@TALENT

When a crisis hits, it’s the planning and preparation that really counts.

Introducing Ready For Everything – a crisis information hub brought to you by The PIA Partnership. We’ve curated and organized a host of industry articles, videos and podcasts, and provided key takeaways in an effort to make it as easy as possible for insurance agencies to be more prepared – when the next crisis hits.

Remote Set-Up & Management

COVID-19 Specific Resources

Crisis Planning Your guide to hiring, motivating and retaining employees.

Employee & Customer Communications

> Cyber 101. Cyber education for you and your clients.

Our 3-part toolkit helps agencies understand how best to recruit great talent and enhance the employee experience Brought to you by The PIA Partnership – PIA’s national carrier council. Partnership companies include: and another example of the value of our Partnership.

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> Discounts on shipping with UPS and car rentals from Alamo.

Winning@Talent is brought to you by The PIA Partnership – PIA’s national carrier council. Partnership companies include:

> Free subscriptions to industry publications.

CYBER 101

Essential Information You and Your Clients Need to Know About Cyber

> The Voice of the Commercial Lines Customer. Our eye opening research helps independent agents understand how they can stay ahead of online competition in commercial lines. > Closing the Gap — Growth & Profit. Project and plan for new business growth and profitability using PIA’s calculators. Use PIA’s turnkey approaches for improving retention, sales and account-rounding in your agency. > Agency Touch Points — The Voice of the Customer. Learn how to capitalize on Partnership research to give personal lines customers what they really want. > Reaching Gen Y. This online tool helps agents understand and reach Gen Y age group insurance consumers and convert them into loyal agency customers. > Practical Guide to Successful Planning. This valuable resource helps agents plan for success within their own agencies and coordinate their plans with those of the carriers they represent.

PIA CONNECTION | www.pianet.com

> Discounted producer licensing services from Central Licensing Bureau.

Visit our crisis information hub today at getreadyforeverything.com

so they stay. We trust you’ll find this content very useful

> Agency Journey Mapping. Value your agency, maximize your retirement income, and plan for unexpected death/disability while creating a perpetuation plan for your agency.

> Hire with IdealTraits: The comprehensive, go-to hiring tool for agencies looking to hire top performers.

Industry & business affairs PIA National works with industry groups such as the Association for Cooperative Operations Research and Development (ACORD) and the Insurance Services Office (ISO) to improve processes and address challenges facing the insurance industry in general and agents in particular. PIA is leading the effort to enable agents to quote and bind policies from a single platform, aka The Buy Button.

PIA also provides our members with practical guidance to help them keep their agency practices in compliance with insurance and general business regulations and more aligned to the way other agencies do business. Guidance is also provided to assist PIA members with protecting their ownership and control of agency expirations.

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Legislative & regulatory outreach PIA National represents members’ interests in state capitals and in Washington, D.C. to ensure that lawmakers and regulators understand and support the independent agency system. That’s why PIA National actively works with Congress and the Executive branch to ensure that your voice is heard when policymakers make decisions that affect you.

PIA has one common strategy: always put the interests of agents first! Whether it’s fighting encroachment by the Federal Insurance Office, standing up for agent commissions, protecting the vital role that independent agents play in delivering federallybacked crop and flood insurance, and safeguarding the employer-sponsored healthcare system, PIA National is your advocate in the halls of Congress, with regulators and throughout our industry.

In addition, PIA works with Congress on other vital issues like cybersecurity, data security legislation and the Terrorism Risk Insurance Act (TRIA).

PIA National’s advocacy also extends to important organizations like the National Association of Insurance Commissioners (NAIC), state lawmakers through the National Council of Insurance Legislators (NCOIL) and InsureTech standards groups like the Association for Cooperative Operations Research and Development (ACORD), and others — to ensure that the concerns of independent agents are addressed.

Here are some ways you can get involved: > PIA Advocacy Blog. The PIA Advocacy blog is your one-stop shop for timely updates on what’s happening on Capitol Hill and on state and federal regulatory issues. Follow the blog by visiting www.PIAAdvocacy.com. > PIA Advocacy Day (formerly the Federal Legislative Summit). Every spring PIA members gather in the nation’s capital to meet with their elected representatives to discuss issues that are important to independent insurance agents.

PIA Advocacy Day gives policymakers and their staffs a chance to hear directly from you, their constituents. This year the event will be held virtually. Learn more by visiting www.PIAAdvocacyDay.com. > Grassroots alerts. To ensure legislators feel the heat from their constituents, PIA occasionally organizes grassroots campaigns in which PIA members can easily send pre- written, fully-editable letters directly to their elected officials. Send one now by visiting www.piagrassroots.com.

> PIA Political Action Committee (PIAPAC). PIAPAC is the Professional Insurance Agents Political Action Committee. The PAC contributes to the campaigns of candidates to federal office who share our pro-insurance, pro-business perspective and who support our issues. PIAPAC is funded by the contributions of individual PIA members. To learn more visit www.piapac.com.

PIA Insurance Foundation The Professional Insurance Agents Insurance Foundation (501(c) (3)) strives to further the insurance knowledge and education of those engaged in the independent insurance agency system. It is also home to the PIA Disaster Relief Fund which solicits charitable contributions and, in turn, provides relief grants to businesses following catastrophic events.

Contact us Have a question? Not sure how to access a particular program?

Want to vent about something? That’s what your staff at PIA is for.

Please contact us using the information to the right.

Connect with PIA National

Facebook “f ” Logo

CMYK / .eps

Facebook “f ” Logo

CMYK / .eps

facebook.com/PIANational @PIANational linkedin.com/company/pianational instagram.com/pia_national

Connect with other PIA members

14 | 2021 V1

Join the PIA Peers group on Facebook

National Association of Professional Insurance Agents 419 N. Lee Street Alexandria, Virginia 22314 (703) 836-9340 membership@pianet.org www.pianet.com | PIA CONNECTION1/21 www.pianet.com/contactus

Is Your Agency For Sale?

W

e are looking to merge (or purchase) an agency or book of business that has $250,000 – $3 million of annual commission income with the hope that you would stay on for some time as we would prefer to keep your culture, your name and your employees in place with as little change as possible. We are very old fashioned that way. Our 36 year-old agency generates $11 million in annual commission revenues. We are profitable and debtfree and our staff turnover is under 10 percent. We can pay cash. We are members of PIA and the Big "I" and are a Trusted Choice agency. If interested, please write me at the address below.

I promise to promptly answer your inquiry and our conversations will remain totally private.

Agency Owner PO Box 3068 Oak Brook, IL 60522

nipr.com

PIA CONNECTION | www.pianet.com

Download the app for free by searching “NIPR Mobile” in the Apple App Store or Google Play.

2021 V1 | 15

YOUR MEMBER BENEFITS FROM PIA NATIONAL BUSINESS-BUILDING TOOLS ✦ PIA MEMBER REIMBURSEMENT PROGRAM: Receive reimbursements on PIA marketing and PIA Partnership Alexi’s programs (up to $250 per program, pick for a total of up to $500). www.pianet.com/agentsupport ✦ PIA DMV: PIA’S DIRECT MARKETING VAULT. Targeted direct mail and digital advertising campaigns. Turn-key yet highly customizable. www.piadmv.com ✦ PIA BRANDING PROGRAM. Print ads, radio commercials, consumer-oriented flyers and social media support for PIA members. www.piabrandingprogram.com ✦ PIA MARKET ACCESS. Access to over 50 national and specialty carriers, real-time online rating, Nicolette’s ownership of your book and no pick exit fees for a low monthly rate. www.piamarketaccess.com ✦ HARTFORD FLOOD INSURANCE. PIA’s endorsed flood provider since 2004. Dedicated local sales directors and book transfer/rollover team plus great commissions for PIA members.

Call (860) 547-5006. ✦ PIA CYBER INSURANCE: Robust coverage tailored to small and midsized businesses. Coverage with special PIA-only enhancements is available for PIA members to sell. ✦ AVYST EFORMS WIZARD. Quickly and easily prepare ACORD, agency-specific, and carrier-unique applications and forms, entering data only once in an organized interview format. Get to market faster! ✦ FLOODBROKER.COM. Sell more flood insurance with a flood quoting Web portal. A PIA member exclusive! ✦ PIA AGENCY MARKETING GUIDE. Hands-on marketing tips from industry experts. Published annually. ✦ ROUGH NOTES - ADVANTAGE PLUS. Identifies risk exposures. Provides detailed coverage analysis. PIA member price $600 annually (reg. $700). Call 800-428-4384. Use your PIA member ID# above name on mailing label. ✦ AGENCY REVENUE TOOLS. Boost personal lines sales by engaging in employee worksite marketing using your appointed markets at regular commission rates. ✦ AGENCY WEBSITES. Cutting-edge websites tailored specifically to insurance agents.

✦ PIA LOGO. Put the PIA logo on your business card, website, stationery and signage. Order items with the PIA logo in our online store.

INSURANCE PRODUCTS ✦ E&O INSURANCE. With access to admitted and non-admitted markets with differing appetites chances are we can find the coverage and price that’s right for you. www.pianet.com/eando ✦ PIA AGENTS UMBRELLA PROGRAM. Excess insurance protection includes E&O and business liability coverage, with available endorsements for EPL and personal coverage. ✦ CYBER LIABILITY INSURANCE. Coverage and pricing tailored to small and mid-sized businesses. ✦ INDIVIDUAL AND GROUP INSURANCE PRODUCTS. Basic, voluntary and dependent term life; long/short term disability; and AD&D. www.piatrust.com

TOOLS FROM THE PIA PARTNERSHIP, PIA’S COMPANY COUNCIL ✦ READY FOR EVERYTHING. The online crisis resource hub for insurance agents. ✦ WINNING@TALENT. Your guide to hiring, motivating and retaining the best agency employees. ✦ AGENCY JOURNEY MAPPING. Value your agency, maximize your retirement income, and plan for unexpected death/disability while creating a perpetuation plan for your agency.

AGENCY MANAGEMENT TOOLS ✦ PIA BLUEPRINT FOR AGENCY SUCCESS: A 3-part resource guide for business planning, growth strategies, and agency continuity. ✦ ACORD FORMS END USER LICENSES. Available for free to qualifying PIA members who access ACORD forms through agency management systems and other authorized distributors. Plus PIA member discounts on the ACORD Advantage Plus Program. ✦ AGENCY AGREEMENT REVIEW SERVICE. Free to members and carriers, PIA recommends changes to carriers and highlights concerns for members. ✦ AGENCY PREPAREDNESS AND RECOVERY PLAN. The PIA guide to creating an agency-specific business contingency plan. ✦ EMPLOYEE PROFILING. Hire the right people with skills and personality testing from OMNIA. ✦ HIRE WITH IDEALTRAITS. The comprehensive, go-to hiring tool for agencies looking to hire top performers. www.idealtraits.com/pia ✦ Discounts on producer licensing, car rentals, shipping with UPS and calendars from Mines Press. ✦ Free subscriptions to industry publications.

LEGISLATIVE & REGULATORY OUTREACH

✦ CYBER 101. Cyber education for you and your clients.

✦ PIA ADVOCACY BLOG. Timely updates about what’s happening on Capitol Hill and on state and federal regulatory issues. www.PIAAdvocacy.com.

✦ SMALL BUSINESS INSURANCE & THE INTERNET—THE VOICE OF THE CL CUSTOMER. Stay ahead of online competition in commercial lines.

✦ GRASSROOTS ALERTS. Send pre-written, fully-editable letters directly to your elected officials. www.piagrassroots.com

✦ CLOSING THE GAP—GROWTH & PROFIT. Plan for growth and profitability.

Includes tools for improving retention, sales and account-rounding.

✦ PIA ADVOCACY DAY. Every spring, PIA members visit Capitol Hill to talk with their elected representatives about issues that are important to independent insurance agents. www.PIAAdvocacyDay.com

✦ AGENCY TOUCH POINTS—THE VOICE OF THE CUSTOMER. Give personal lines customers what they really want. ✦ REACHING GEN Y. Convert Gen Y age group insurance consumers into loyal agency customers. ✦ PRACTICAL GUIDE TO SUCCESSFUL PLANNING. Plan for success within your own agency.

✦ PIA POLITICAL ACTION COMMITTEE (PIAPAC). PIAPAC contributes to the campaigns of candidates to federal office who share our pro-insurance, probusiness perspective and who support our issues. www.piapac.com

Learn more about these PIA National member benefits at www.pianet.com.

PIA MEMBER BENEFIT SPOTLIGHT

OBTAIN YOUR ACORD END USER LICENSE FOR 2021 PIA IS EXCITED TO ANNOUNCE THAT ACORD will once again be providing qualifying PIA member agencies with a complimentary license to use ACORD forms in 2021, when PIA members access these forms through an entity that is licensed to redistribute ACORD forms, such as most agency management systems or the AVYST eForms Wizard. PIA members will need to go to the ACORD website to accept the 2021 end user license agreement (EULA).

PIA will be verifying agencies’ PIA membership with ACORD again in 2021. If you requested that we verify your PIA membership in 2020, and have maintained an active PIA membership, then we will confirm your current PIA membership directly with ACORD for your 2021 license—you do not need to contact PIA unless ACORD specifically requests that you do so.

PIA negotiated two deals to save PIA members money on this fee: · For PIA members who access forms through an entity that is licensed to redistribute ACORD forms, such as most agency management systems and the AVYST eForms Wizard, the license is now free if your gross revenue is under $50 million.

· For PIA members who would like to access forms directly through ACORD, PIA has negotiated a $20 discount on ACORD’s Advantage Plus Program if your gross revenue is under $1 million.

For more information and updates on this PIA member benefit, and to access step-by-step instructions, please visit: https://pianet.com/acord If PIA National has not previously confirmed your PIA membership with ACORD, and you would like us to do so, or if you have questions about this PIA member benefit, please email us: membership@pianet.org

UPCOMING PIA WEBINARS Date 02/10 02/25 03/02

Topic AVYST eForms Wizard Webinar Omnia Webinar PIA Market Access Webinar

Time 2:00 PM ET 2:00 PM ET 2:00 PM ET

To register for an upcoming webinar, visit: Pianet.com/calendar Questions? Contact ProductsandServices@pianet.org

PIA CONNECTION MARKETPLACE

For latest ratings, access www.ambest.com

www.auw.com

Learn more at primeis.com Contact us at 1.800.257.5590 or info@primeis.com

Free ACORD Forms Licenses for PIA Members PIAMarketAccess.com

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1/6/20 5:17 PM

Give Real Estate Investors Coverage That’s Exactly Right.

Become an agent at REInsurePro.com/PIAMarketplace

Learn more at https://pianet.com/acord

PIA Connection Marketplace rates: $95/issue for 10 issues; $120/issue for 5 issues. To learn more and get a contract, to inquire about |display advertising, PIAorCONNECTION www.pianet.com please contact Alexi Papandon at alexipa@pianet.org or 703-518-1353.

2021 V1 | 17

PIA AFFILIATES ALABAMA

KENTUCKY

OHIO

PIA Southern Alliance, 3805 Crestwood Pkwy NW #140, Duluth, GA 30096 PHONE: (770) 921-7585 | FAX: (770) 921-7590 e-mail: info@piasouth.com | Web Site: piasouth.com

PIA of Kentucky, 107 Consumer Lane, Frankfort, KY 40601 PHONE: (502) 875-3888 | FAX: (502) 227-0839 e-mail: clemay@piaky.org | Web Site: www.piaky.org

PHONE: (703) 836-9340 | FAX: (703) 836-1279 email: membership@pianet.org | Web Site: www.pianet.com

ARKANSAS

LOUISIANA

PIA of Arkansas Inc. 102 Country Club Parkway, Suite 201, Maumelle, AR 72113 PHONE: (501) 225-1645 e-mail: staci@piaar.com | Web Site: www.piaar.com

PIA of Louisiana Inc. 4021 W. E. Heck Ct., Building K, Baton Rouge, LA 70816 PHONE: (225) 766-7770 | (800) 349-3434 LA only | FAX: (225) 766-1601 e-mail: jody@piaoflouisiana.com | Web Site: www.piaoflouisiana.com

CA/NV/AZ/NM

MAINE

PIA Western Alliance, 3205 Northeast 78th St #104, Vancouver, WA 98665 PHONE: (888) 246-4466 | FAX: (360) 571-7600 e-mail: piawest@piawest.com | Web Site: www.piawest.com

Maine Insurance Agents Association 17 Carriage Lane, Hallowell, ME 04347 PHONE: (207) 623-1875 | FAX: (207) 626-0275 e-mail: lisa@maineagents.net | Web Site: www.meiaa.com

COLORADO PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

CONNECTICUT PIA of Connecticut, P.O. Box 997, Glenmont, NY 12077-0997 PHONE: (800) 424-4244 | FAX: (518) 434-2342 e-mail: pia@pia.org | Web Site: www.pia.org

MARYLAND Insurance Agents & Brokers of Maryland 5050 Ritter Rd, Mechanicsburg, PA 17055-0763 PHONE: (717) 795-9100 | FAX: (717) 795-8347 e-mail: iab@iabforme.com | Web Site: www.iabforme.com

MASSACHUSETTS

DELAWARE

PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

MICHIGAN

FLORIDA PIA of Florida, Inc., 419 N. Lee Street, Alexandria, VA 22314-2353 PHONE: (850) 893-8245 | FAX: (703) 549-5190 e-mail: piafl@piafl.org | Web Site: www.piafl.org

GEORGIA PIA Southern Alliance, 3805 Crestwood Pkwy NW #140, Duluth, GA 30096 PHONE: (770) 921-7585 | FAX: (770) 921-7590 e-mail: info@piasouth.com | Web Site: piasouth.com

HAWAII PIA of Hawaii, 1247 Kelewina St. Kailua, HI 96734 PHONE: (808) 261-9460 | FAX: (808) 262-5355 e-mail: piahi@hawaiiantel.net | Web Site: www.piahawaii.com

ILLINOIS PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

Michigan PIA, P.O. Box 99579 Troy, Michigan, 48099 PHONE: (616) 454-4461 | FAX: (616) 454-4491 e-mail: inquiry@mipia.com | Web Site: www.mipia.com

MINNESOTA PIA of Minnesota, 8646 Eagle Creek Circle, Suite 202, Savage, MN 55378 PHONE: (866) 694-7070 | FAX: (866) 749-8678 e-mail: info@piamn.com | Web Site: www.piamn.com

MISSISSIPPI PIA Southern Alliance, 3805 Crestwood Pkwy. NW, Ste. 140, Duluth, GA 30096 PHONE: (770) 921-7585 | FAX: (770) 921-7590 e-mail: info@piasouth.com | Web Site: piasouth.com

MISSOURI Missouri Association of Insurance Agents 3315 Emerald Lane, Jefferson City, MO 65109-6878 PHONE: 573-893-4301 | FAX: 573-893-3708 e-mail: mbarton@moagent.org | Web Site: www.missouriagent.org

MONTANA

INDIANA PIA of Indiana, 50 E. 91 Street Ste. 207 Indianapolis, IN 46240 PHONE: (317) 899-9200 | FAX: (317) 493-0408 e-mail: info@piaindiana.com | Web Site: www.piaindiana.com

PIA Western Alliance, 3205 NE 78th St Ste 104, Vancouver, WA 98665-0697 PHONE: (888) 246-4466 | FAX: (360) 571-7600 e-mail: piawest@piawest.com | Web Site: www.piawest.com

NEBRASKA/IOWA

KANSAS Kansas Association of Professional Insurance Agents 216 SW 7th Ave, Topeka, KS 66603 PHONE: (785) 232-4143 | FAX: (785) 232-0272 e-mail: trina@kansaspia.org | Web Site: www.kansaspia.org

PIA of Nebraska/Iowa, 920 South 107th Avenue, Suite 305, Omaha, NE 68114 PHONE: (402) 392-1611 | FAX: (402) 392-2228 e-mail: cathy@pianeia.com | Web Site: www.pianeia.com

NEW HAMPSHIRE

AC

NEW JERSEY

L E PAR

TN ER

P I NN

PIA of New Hampshire, P.O. Box 997, Glenmont NY 12077-0997 PHONE: (800) 424-4244 | FAX: (518) 434-2342 e-mail: pia@pia.org | Web Site: www.pia.org

PIA New Jersey, P.O. Box 997, Glenmont NY 12077-0997 PHONE: (800) 424-4244 | FAX: (518) 434-2342 e-mail: pia@pia.org | Web Site: www.pia.org

NEW YORK PIA New York, P.O. Box 997, Glenmont NY 12077-0997 PHONE: (800) 424-4244 | FAX: (518) 434-2342 e-mail: pia@pia.org | Web Site: www.pia.org

PIA NATIONAL PINNACLE PARTNERS Encompass Insurance Encova Insurance Erie Insurance State Auto Insurance Companies

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NORTH CAROLINA PIANC, 1059 Technology Park Dr, Glen Allen, VA 23059 PHONE: (804) 264-2582 e-mail: kevin@pianc.net | Web Site: www.pianc.net

NORTH DAKOTA PIA of North Dakota 827 28th Street South, Suite C-2, Fargo, ND 58103 PHONE: (701) 223-5025 | (800) 733-1050 ND&MN only FAX: (701) 223-9456 | e-mail: info@piand.com Web Site: www.piand.com

OKLAHOMA PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

OREGON/IDAHO PIA Western Alliance 3205 Northeast 78th Street, #104, Vancouver, WA 98665 PHONE: (888) 246-4466 | FAX: (360) 571-7600 e-mail: piawest@piawest.com | Web Site: www.piawest.com

PENNSYLVANIA PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

PUERTO RICO & CARIBBEAN PIA of Puerto Rico and the Caribbean Inc 419 N. Lee Street, Alexandria, VA 22314 PHONE: 800-742-6900 | FAX: 703-836-1279 e-mail: membership@pianet.org | Web Site: www.piapuertorico.org

RHODE ISLAND PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

SOUTH CAROLINA PIA of South Carolina, PO Box 6167, Columbia, SC 29260 PHONE: (803) 772-0557 | (888) 742-6372 | FAX: (803) 772-0846 e-mail: PIASC@piasc.net | Web Site: www.piasc.net

SOUTH DAKOTA PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

TENNESSEE PIA of Tennessee Inc 504 Autumn Springs Court Suite A-3, Franklin, TN 37067 PHONE: (615) 771-1177 | FAX: (615) 771-3456 e-mail: piatn@piatn.com | Web Site: www.piatn.com

TEXAS PIA of Texas 5605 N. MacArthur Blvd. Suite 1000, Irving, TX 75038 PHONE: (972) 862-3333 | FAX: (972) 307-7888 e-mail: vicki@piatx.org | Web Site: www.piatx.org

UTAH Utah Association of Independent Insurance Agents 4885 S. 900 E., Suite 302, Salt Lake City, UT 84117 PHONE: (801) 269-1200 | FAX: (801) 269-1265 e-mail: mattchild@uaiia.org | Web Site: www.uaiia.org

VERMONT PIA of Vermont P.O. Box 997, Glenmont NY 12077-0997 PHONE: (800) 424-4244 | FAX: (518) 434-2342 e-mail: pia@pia.org | Web Site: www.pia.org

VIRGINIA/DC PIA Assn of Virginia & DC 1059 Technology Park Dr, Glen Allen, VA 23059 PHONE: (804) 264-2582 | FAX: (804) 266-1075 e-mail: kevin@piavadc.com | Web Site: www.piavadc.com

WASHINGTON/ALASKA PIA Western Alliance 3205 Northeast 78th Street, #104, Vancouver, WA 98665 PHONE: (360) 571-7100 | FAX: (360) 571-7600 e-mail: piawest@piawest.com | Web Site: www.piawest.com

WEST VIRGINIA PHONE: (703) 836-9340 | FAX: (703) 836-1279 e-mail: membership@pianet.org | Web Site: www.pianet.com

WISCONSIN PIA of Wisconsin, Inc., 6401 Odana Road, Madison, WI 53719-1126 PHONE: (608) 274-8188 | (800) 261-7429 | FAX: (608) 274-8195 e-mail: phanson@piaw.org | Web Site: www.piaw.org

WYOMING Assoc. of Wyoming Ins. Agents, PO Box 1321, Cheyenne, WY 82003 PHONE: (307) 201-4801 | FAX: (775) 796-3122 e-mail: awia@vcn.com | Web Site: www.awia.com

www.pianet.com | PIA CONNECTION

C O N N E C T I O N S T H AT C O U N T

F R O M L O N G -T E R M R E L AT I O N S H I P S T O I N N O VAT I V E T E C H N O L O G Y

W E’V E

GOT

T HI S.

R C I S i s h e re t o h e l p b u i l d yo u r b u s i n e s s . A s a n R C I S a g e n t , yo u w i l l h a ve s u p p o r t f ro m a n ex p e r i e n c e d t e a m , f e d e ra l a n d p r i va t e c ove ra g e o p t i o n s , a n d , o f c o u r s e , o u r t e a m a p p ro a c h t o p rov i d i n g o u t s t a n d i n g c l a i m s s e r v i c e t o yo u r p o l i c y h o l d e r s . M o s t o f a l l , yo u h ave a re l a t i o n s h i p yo u c a n c o u n t o n f o r ye a r s t o c o m e .

To b e c o m e a n a g e n t r e p r e s e n t i n g R C I S , c o n t a c t a n R C I S F i e l d S e r v i c e R e p r e s e n t a t i ve o r v i s i t R C I S .c o m t o d a y.

R C I C i s a n e q u a l o p p o r t u n i t y p rov i d e r. I n a c c o rd a n c e w i t h F e d e ra l l a w a n d U . S . D e p a r t m e n t o f Ag r i c u l t u re ( U S DA ) c i v i l r i g h t s re g u l a t i o n s a n d p o l i c i e s , t h e U S DA , i t s Ag e n c i e s , o f f i c e s , a n d e m p l oye e s , a n d i n s t i t u t i o n s p a r t i c i p a t i n g i n o r a d m i n i s t e r i n g U S DA p ro g ra m s a re p ro h i b i t e d f ro m d i s c r i m i n a t i n g o n t h e b a s i s o f ra c e , c o l o r, n a t i o n a l o r i g i n , re l i g i o n , s ex , g e n d e r i d e n t i t y ( i n c l u d i n g g e n d e r ex p re s s i o n ) , s ex u a l o r i e n t a t i o n , d i s a b i l i t y, a g e , m a r i t a l s t a t u s , f a m i l y/p a re n t a l s t a t u s , i n c o m e d e r i ve d f ro m a p u b l i c a s s i s t a n c e p ro g ra m , p o l i t i c a l b e l i e f s , o r re p r i s a l o r re t a l i a t i o n f o r p r i o r c i v i l r i g h t s a c t i v i t y, i n a n y p ro g ra m o r a c t i v i t y c o n d u c t e d o r f u n d e d by U S DA ( n o t a l l b a s e s a p p l y t o a l l p ro g ra m s) . S o m e p ro d u c t s n o t ava i l a b l e i n a l l s t a t e s o r c o u n t i e s . T h i s i s i n t e n d e d a s a g e n e ra l d e s c r i p t i o n o f c e r t a i n t y p e s o f i n s u ra n c e a n d s e r v i c e s a va i l a b l e t o q u a l i f i e d c u s t o m e r s p rov i d e d s o l e l y f o r i n f o r m a t i o n a l p u r p o s e s . C ove ra g e i s u n d e r w r i t t e n i n a l l s t a t e s by R u ra l C o m m u n i t y I n s u ra n c e C o m p a n y, A n o k a , M N exc e p t i n M o n t a n a w h e re h a i l c ove ra g e i s u n d e r w r i t t e n by Tr i - C o u n t y Fa r m e r s M u t u a l I n s u ra n c e C o m p a n y, M a l t a , M T. N o t h i n g h e re i n s h o u l d b e c o n s t r u e d a s a s o l i c i t a t i o n , o f f e r, a d v i c e , re c o m m e n d a t i o n , o r a n y o t h e r s e r v i c e w i t h re g a rd t o a n y t y p e o f i n s u ra n c e p ro d u c t o r s e r v i c e s . Yo u r p o l i c y i s t h e c o n t ra c t t h a t s p e c i f i c a l l y a n d f u l l y d e s c r i b e s yo u r c ove ra g e , t e r m s a n d c o n d i t i o n s . T h e d e s c r i p t i o n o f t h e p o l i c y p rov i s i o n s g i ve s a b ro a d ove r v i ew o f c ove ra g e s a n d d o e s n o t rev i s e o r a m e n d t h e p o l i c y. C ove ra g e m a y va r y by s t a t e . C ove ra g e s a n d ra t e s a re s u b j e c t t o i n d i v i d u a l i n s u re d m e e t i n g o u r u n d e r w r i t i n g q u a l i f i c a t i o n s a n d p ro d u c t a va i l a b i l i t y i n a p p l i c a b l e s t a t e s . R C I S i s a re g i s t e re d t ra d e m a r k o f R u ra l C o m m u n i t y I n s u ra n c e C o m p a n y. © 2 0 2 1 R u ra l C o m m u n i t y I n s u ra n c e C o m p a n y.

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