Main Street Industry News - April 2018

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INSIDE Bill Reintroduced to Preserve State Regulation » 7 Moody’s & Trump Tax Cuts » 15 Gun Violence — A Breakdown of the Worst States » 19 J.D. Power — Insurance Customer Satisfaction Skyrockets » 23

Cover Image: Diana Robinson Sunset on the Platte River, Nebraska

April 2018 | Published Monthly

Andy Kraus, CPCU | Vice President of Agencies | 800.742.7433 | akraus@fmne.com

fmne.com

Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business owners?

The research is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online world.

However, the results also serve as a wake-up call that agents must take steps to continue to demonstrate their value and also be more engaged online.

PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings.

PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines.

To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer, visit us at www.pianet.com/voiceoftheclcustomer.

If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at www.pianet.com/joinpia.

National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340

Bill Reintroduced to Preserve State Regulation | 7 The State Insurance Regulatory Preservation Act (H.R. 5059) has been introduced in the U.S. House of Representatives.

Stressed? You have One of the Most Stressful Jobs in the Nation | 8 The staffing experts at Robert Half says your job is the second most stressful in the country.

Which States Have the Worst Drivers? | 12 Auto insurance rates are at all all-time high.

Or so says the insurance search engine The Zebra. In its annual State of Auto Insurance Report The Zebra said rates have jumped 20% since 2011.

Moody’s & Trump Tax Cuts | 15 Moody’s Investors Service says the Trump tax cuts will benefit insurance companies domiciled in the U.S. This is mainly good for those that have been paying high effective tax rates.

Commercial Insurance Rates — Rising | 16 Two reports. Same conclusion.

The Council of Insurance Agents & Brokers (CIAB) just released its fourth quarter of 2017 analysis. The Fourth Quarter 2017 Commercial Property/Casualty Market Index Survey said P&C rates rose for the first time in last year’s last quarter.

Employment Discrimination in 2017 & Harvey Weinstein | 22 Few of us will dispute the claim that one of the top news stories and things most talked about last year started with movie mogul Harvey Weinstein and ended with sexual abuses charges that followed Weinstein and other celebrities and politicians.

J.D. Power — Insurance Customer Satisfaction Skyrockets | 23 J.D. Power and Associates said in spite of a plethora of hurricanes, fires and other disasters last year, customer satisfaction among homeowners who filed claims is at an all-time high.

PIA NE IA EVENTS A Whole New Ballgame PIA NE IA 2018 Conference | 24 Professional Insurance Agents NE IA and The National Alliance Nebraska and Iowa CIC & CISR Designation | 28 Upcoming Events Calendar 2018 | 30

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Gun Violence — A Breakdown of the Worst States | 19 The news out of Parkland, Florida about the 17 people killed continues to stun. There’s the alleged shooter Nikolas Cruz who is said to have brought a legally purchased AR-15 to school.

Lately we’ve learned an armed deputy didn’t go into the school.

April 2018 | Main Street Industry News | www.pianeia.com | 4

Contact us to place an ad. Cathy Klasi, Executive Director (402) 392-1611

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IS YOUR E&O X-DATE HERE? PIA FOR NEBRASKA AND IOWA PIA Association for Nebraska and Iowa is committed to focusing its resources in ways that cast the most favorable light on its constituents. We are dedicated to providing the type of programs, the level of advocacy, and the dissemination of information that best supports the perpetuation and prosperity of our members.

We pledge to always conduct ourselves in a manner that enhances the public image of PIA and adds real value to our members.

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E&O Coordinator Steve Bailey

TOP STORIES

BILL REINTRODUCED TO PRESERVE STATE REGULATION The State Insurance Regulatory Preservation Act (H.R. 5059) has been introduced in the U.S. House of Representatives. It’s a bipartisan effort to get the Federal Reserve out of day-to-day insurance regulation. Currently the Fed is in charge of regulating and watching over insurance holding companies and making sure they are well-financed. The bill keeps that but does away with the states having to perform the same duties.

Day-to-day regulation — if this passes — is up to the individual states.

Nat Wienecke of the Property Casualty Insurers Association of America (PCI) says his organization is strongly in favor of the bill.

“PCI strongly supports the bipartisan efforts of Representatives Rothfus and Beatty to protect the Nat Wienecke time-tested state-based insurance regulatory system and for introducing the State Insurance Regulation Preservation Act,” he said. The duplicative examinations of well-capitalized insurers is just increasing the cost of insurance to consumers and its reducing competition. “The Fed should be focused on the safety and soundness of banks and savings and loan institutions, not well-functioning state regulated insurers,” Wienecke said.

Pennsylvania Republican Rep. Keith Rothfus and Ohio Democrat Rep. Joyce Beatty don’t think this over-regulation is needed. In a statement Rothfus said, “This common-sense regulatory reform bill will ensure that federal and state regulators complement each other’s efforts.

The current system of duplicative supervision is inefficient and creates added and unnecessary costs that hinder growth and Utica’s hurts consumers.”

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April 2018 | Main Street Industry News | www.pianeia.com | 7

TOP STORIES

STRESSED?

YOU HAVE ONE OF THE MOST STRESSFUL JOBS IN THE NATION The staffing experts at Robert Half says your job is the second most stressful in the country. Along with the analytics company Happiness Works, Robert Half did a study of 12,000 U.S. and Canadian workers and concluded that — as an industry — insurance has the second highest work stress level. Technology pros have the least.

MOST STRESSFUL JOBS BY PROFESSION HIGHEST 1. Legal 2. Insurance 3. Healthcare and wellness 4. Hospitality and food services

MIDDLE 5. Financial services 6. Education and training 7. Administrative

April 2018 | Main Street Industry News | www.pianeia.com | 8

TOP STORIES

WHAT WORKERS WANT ON THE JOB

8. Manufacturing 9. Accounting

LOWEST

VACATION - PAID TIME OFF

10. Human resources 11. Marketing or creative 12. Finance 13. Technology Breaking it down by specific jobs here are the most stressful jobs by role:

HIGHEST

All — 26% Male — 24% Female — 27% 18-34 — 22% 35-54 — 27% 55+ — 29%

CORPORATE CULTURE WORK ENVIRONMENT

1. Semi-skilled labor & agricultural 2. Skilled trades and crafts 3. Personal or care services

All — 24% Male — 25% Female — 23%

MID-LEVEL 4. Staff level professionals 5. Managers 6. Sales or customer service workers

18-34 — 21% 35-54 — 23% 55+ — 29%

LOWEST

CAREER ADVANCEMENT

7. Administrative and secretarial clerks 8. Senior executives The survey made these determinations based on workplace culture, leadership, workload demands and a bunch of other factors.

That leads to the question of what workers want on the job. Aside from salary there are three factors that employees look for when negotiating for a job. Robert Half says the largest number of people it surveyed picked vacation time and time off as the number-one thing they look for in a job after salary.

Second most important is corporate culture and the third most important is career advancement.

All — 21% Male — 24% Female — 19% 18-34 — 30% 35-54 — 22% 55+ — 10%

OTHER CONSIDERATIONS Work from Home Option — 11% Professional Development & Training Opportunities — 9% Sources: Carrier Management, Robert Half

April 2018 | Main Street Industry News | www.pianeia.com | 9

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Average annual growth in premium in excess of 25% per year for the past five.

Broader appetite for select risks (including Total Insured Property Values as high as $50 million for certain industries and risks).

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TOP STORIES

WHICH STATES HAVE THE WORST DRIVERS?

Auto insurance rates are at all all-time high.

Or so says the insurance search engine The Zebra. In its annual State of Auto Insurance Report The Zebra said rates have jumped 20% since 2011. The report is concerned with how insurers are determining rates.

Weather, driver behavior, legislation and technology have always been a part of rate hikes but spokesman Adam Lyons said there

is now a big worry about how natural disasters like Hurricane Harvey are impacting things.

“Insurance companies leverage thousands of data points to determine car insurance rates — things like your age, driving record, and even your credit score. Today, we’re also seeing extraordinary forces like overnight tech innovation and devastating natural disasters impact rates,” he said.

April 2018 | Main Street Industry News | www.pianeia.com | 12

TOP STORIES

The Zebra report looked at 52 million auto insurance rates across all zip codes and found: • The national average is $1,427 — or 20% above 2011 • Some states have seen jumps of 60% since 2011 • Other states have seen increases of just 1% • 10 states have seen decreases of up to 20% • Rate changes from one year to the next go as high as 45% in some states • Nationally the rate changes from year-toyear average 9% • Some cities have annual premiums topping $6,000 • Michigan is the most expensive state and Detroit, Michigan the most expensive city • Louisiana is the second most expensive state and New Orleans the second most expensive city • Kentucky is the third most expensive state

The National Highway Traffic Safety Administration said in the latest statistical year — 2015 — a devastating 35,092 people died in crashes. The number of vehicles involved is 48,923. The cost of the crashes topped $242 billion or a 7.2% jump over 2014.

As for which states have the worst drivers, the administration tallies it this way: Fatality Rate: The total number of traffic deaths for every 100 million vehicle miles traveled.

Failure to Obey: The number of road fatalities involving failure to use safety restraints and individuals ignoring traffic safety devices and driving illegally with an invalid license.

Drunk Driving: The number of fatal crashes involving a driver impaired by alcohol.

Speeding — The number of driving deaths involving a driver who was speeding.

Careless Driving: The number of pedestrians and pedal cyclists (usually bicyclists) killed by motorists for every 100 thousand residents.

Top-10 Worst Driving States: 1. Montana Best Ranking: Careless Driving: 29th Worst Ranking: Failure to Obey: 1st 2. Arizona Best Ranking: Drunk Driving & Speeding: 15th Worst Ranking: Careless Driving: 6th 3. Louisiana Best Ranking: Speeding: 38th Worst Ranking: Failure to Obey: 2nd 4. Texas Best Ranking: Speeding: 20th Worst Ranking: Drunk Driving: 5th 5. Nevada Best Ranking: Fatality Rate & Drunk Driving:19th Worst Ranking: Failure to Obey: 5th

April 2018 | Main Street Industry News | www.pianeia.com | 13

TOP STORIES 6. South Carolina Best Ranking: Drunk Driving: 29th Worst Ranking: Fatality Rate: 1st 7. New Mexico Best Ranking: Fatality Rate: 28th Worst Ranking: Careless Driving: 3rd

Where do Nebraska and Iowa stand?

8. North Carolina Best Ranking: Drunk Driving: 26th Worst Ranking: Speeding: 7th

Nebraska Best Ranking: Speeding: 48 Worst Ranking: Drunk Driving: 18

9. Delaware Best Ranking: Drunk Driving: 32nd Worst Ranking: Careless Driving:1st

Iowa Best Ranking: Failure to Obey: 48 Worst Ranking: Fatality Rate: 34

10. North Dakota Best Ranking: Careless Driving: 43rd Worst Ranking: Drunk Driving: 2nd

Sources: Insurance Business America, PropertyCasualty360.com

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April 2018 | Main Street Industry News | www.pianeia.com | 14

TOP STORIES

MOODY’S & TRUMP

TAX CUTS Moody’s Investors Service says the Trump tax cuts will benefit insurance companies domiciled in the U.S. This is mainly good for those that have been paying high effective tax rates. As a result, the cuts will boost profitability.

Even better, the tax reforms will make U.S. insurers more competitive with their global cousins. That’s good news for insurers but not for buyers. Moody’s VP Siddhartha Ghosh said they should not expect big cuts in price.

“We do not expect a material shift in the pricing of P&C products as a direct consequence of tax reform because risk-adjusted returns by product are based on multiple factors, including

capital requirements, competition, loss cost trends, expenses, the cost of reinsurance, and taxes,” he said.

Much about the cuts are positive but not all.

One negative is the base erosion and antiabuse (BEAT) tax is credit negative for nonU.S. insurers and for re-insurers whose U.S. subsidiaries transfer significant premiums to non-U.S. affiliates. However, the impact of the BEAT tax can be overcome somewhat by retaining more business in the U.S. and by having higher U.S. capital levels. They can also elect to have an affiliated non-U.S. domiciled carrier elect to become a U.S. taxpayer.

Non-U.S. re-insurers are likely to see higher corporate taxes on a higher portion of their U.S. business. That will cut the profitability of Bermuda-based insurers and re-insurers.

Source: Insurance Journal

April 2018 | Main Street Industry News | www.pianeia.com | 15

TOP STORIES

COMMERCIAL INSURANCE RATES

RISING TWO REPORTS. SAME CONCLUSION.

The Council of Insurance Agents & Brokers (CIAB) just released its fourth quarter of 2017 analysis. The Fourth Quarter 2017 Commercial Property/Casualty Market Index Survey said P&C rates rose for the first time in last year’s last quarter.

Catastrophe and cyber events in the third quarter caused a rate rise of 0.3% across the board on all-sized accounts. That compares to a drop of 1.3% in the third quarter of 2017.

President and CEO Ken Crerar, the council’s president and CEO said it’s not a surprise and “as expected, coming off a historic nat cat season, we are in a transitional market, but it is more stable than anticipated.”

Average rates for commercial auto, work comp, commercial property, general liability and umbrella rose for the second straight quarter at an average of 1.7%. That’s up from the 1% rise in the third quarter.

April 2018 | Main Street Industry News | www.pianeia.com | 16

TOP STORIES

Cathy Klasi Executive Director, PIA NEIA 402-392-1611 Office 402-392-2228 FAX Cathy@pianeia.com

For an upcoming schedule or to register, visit our website at www.pianeia.com or call 402.392.1611

c Commercial auto has poor loss ratios and jumped a worrisome, and 26th straight rise of 7.3% c Commercial property rose 2.4% c General liability jumped 0.1% c Umbrella is up 0.6% c Workers’ compensation fell 2% Marsh’s latest market index report says the global pricing for insurance rose slightly in the last quarter of 2017. It is the first rise since early 2013 and the cause is what Marsh calls an “historic cluster” of natural catastrophes.

The report says if you’re counting it’s been 18 quarters since we’ve seen a price increase.

The fourth quarter of 2017 saw an average price jump of 0.8% You can compare that to the 1.9% drop in the third quarter to come to the conclusion the increase is significant.

Overall it led to a 3.2% increase which beats the 2.4% decline in the third quarter.

Marsh’s global placement head Dean Klisura said, “Losses from Hurricanes Harvey, Irma and Maria and wildfires in California drove increases in property pricing in the U.S. Pricing in all global regions showed either a moderate increase in the fourth quarter or a slowing of the pace of decrease.”

Sources: Carrier Management, Business Insurance

April 2018 | Main Street Industry News | www.pianeia.com | 17

62%

of cyber-attacks hit small and mid-sized businesses.

At PIA we want you to be protected.

That's why we have created a robust cyber program that responds to the most common threats facing small and mediumsized businesses.

Contact your local PIA Affiliate for more information about cyber insurance coverage: www.pianet.com/cyberinsurance

TOP STORIES

GUN VIOLENCE A BREAKDOWN OF THE WORST STATES

The news out of Parkland, Florida about the 17 people killed continues to stun. There’s the alleged shooter Nikolas Cruz who is said to have brought a legally purchased AR-15 to school. Lately we’ve learned an armed deputy didn’t go into the school. While he’s disputing the why and whether he should or should not have, the bottom-line is violence is a problem in our society.

However, the carnage doesn’t stop there.

Statistics recently dug up by 24/7 Wall St. say gun deaths occur from one-on-one homicides, from suicides and from accidents:

By the way, we use the words “alleged” and “said to” deliberately since one is assumed not guilty of a crime until found guilty in a court of law.

24/7 Wall St. — Individual State Findings:

The crime at the Florida high school is one of the 10 deadliest in U.S. history and three of that 10 have occurred in the last five months.

In 2016 the U.S. saw 38,658 firearm deaths

4 22,938 of that number are suicides 4 14,415 were homicides 4 Half of the 10 most deadly are in

the South

4 Six of the 10 are the poorest states 4 In all but 5 states over half of all gun

April 2018 | Main Street Industry News | www.pianeia.com | 19

TOP STORIES 1. ALASKA

5. OKLAHOMA

Firearm deaths per 100,000 people 23.0 per 100,000

Firearm deaths per 100,000 people 19.6 per 100,000

Total firearm deaths 2016

177

Total firearm deaths 2016

766

Suicides

113

Suicides

517

Homicides

45

Homicides

238

Violent crime rate

804.2 per 100,000 (the highest)

Violent crime rate

449.8 per 100,000 (14th highest)

Permit required to carry handgun

No

Permit required to carry handgun

Yes

Poverty rate

9.9% (6th lowest)

Poverty rate

16.3% (9th highest)

2. ALABAMA

6. MONTANA

Firearm deaths per 100,000 people 21.4 per 100,000

Firearm deaths per 100,000 people 19.0 per 100,000

Total firearm deaths 2016

1046

Total firearm deaths 2016

194

Suicides

550

Suicides

162

Homicides

454

Homicides

N/A

Violent crime rate

532.3 per 100,000 (7th highest)

Violent crime rate

368.3 per 100,000 (25th lowest)

Permit required to carry handgun

Yes

Poverty rate

17.1% (7th highest)

Poverty rate

3. LOUISIANA Firearm deaths per 100,000 people 21.2 per 100,000 Total firearm deaths 2016

987

Suicides

440

Homicides

526

Violent crime rate

566.1 per 100,000 (5th highest)

Permit required to carry handgun

Yes

Poverty rate

20.2% (2nd highest)

4. MISSISSIPPI Firearm deaths per 100,000 people 19.8 per 100,000 Total firearm deaths 2016

587

Suicides

268

Homicides

282

Violent crime rate

280.5 per 100,000 (15th lowest)

Permit required to carry handgun Poverty rate

Permit required to carry handgun

No (A permit to carry can be

obtained, but it is not required to carry a handgun either openly or concealed.)

20.8% (the highest)

Yes (A permit to carry

concealed is not needed outside limits of cities or towns.)

13.3% (24th highest)

7. MISSOURI Firearm deaths per 100,000 people 18.8 per 100,000 Total firearm deaths 2016

650

Suicides

464

Homicides

526

Violent crime rate

519.4 per 100,000 (8th highest)

Permit required to carry handgun

No

Poverty rate

14.0% (22nd highest)

8. NEW MEXICO Firearm deaths per 100,000 people 18.2 per 100,000 Total firearm deaths 2016

383

Suicides

243

Homicides

113

Violent crime rate

702.5 per 100,000 (2nd highest)

Permit required to carry handgun

Yes

Poverty rate

19.8% (3rd highest)

April 2018 | Main Street Industry News | www.pianeia.com | 20

TOP STORIES WHERE DO NEBRASKA & IOWA STAND?

9. ARKANSAS Firearm deaths per 100,000 people 17.7 per 100,000

39. IOWA

Total firearm deaths 2016

541

Firearm deaths per 100,000 people 9.2 per 100,000

Suicides

331

Total firearm deaths 2016

288

Homicides

182

Suicides

228

Violent crime rate

550.9 per 100,000 (6th highest)

Homicides

49

Permit required to carry handgun

Yes

Violent crime rate

290.6 per 100,000 (16th lowest)

Poverty rate

17.2% (6th highest)

Permit required to carry handgun

Yes

Poverty rate

11.8% (18th lowest)

10. SOUTH CAROLINA Firearm deaths per 100,000 people 17.7 per 100,000

40. NEBRASKA

Total firearm deaths 2016

891

Firearm deaths per 100,000 people 9.1 per 100,000

Suicides

525

Total firearm deaths 2016

171

Homicides

335

Suicides

116

Violent crime rate

501.8 per 100,000 (10th highest)

Homicides

45

Permit required to carry handgun

Yes

Violent crime rate

291.0 per 100,000 (17th lowest)

Poverty rate

15.3% (14th highest)

Permit required to carry handgun

Yes

Poverty rate

11.4% (15th lowest)

Source: MSN

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April 2018 | Main Street Industry News | www.pianeia.com | 21

TOP STORIES

EMPLOYMENT DISCRIMINATION IN 2017 AND HARVEY WEINSTEIN Few of us will dispute the claim that one of the top news stories and things most talked about last year started with movie mogul Harvey Weinstein and ended with sexual abuses charges that followed Weinstein and other celebrities and politicians.

The list from top to bottom.

(BTW, when you add all this up it exceeds 100% but that’s because some charges were made in multiple areas.)

Retaliation: 41,09

48.8% of all charges filed

Race: 28,528

33.9%

Disability: 26,838

31.9%

The federal Equal Employment Opportunity Commission (EEOC) tracks such things in the business community and released a report last week that said it dealt with 84,254 workplace complaints during fiscal 2017. Some of them were holdovers from the 2016 fiscal year.

Sex: 25,605

30.4%

Age: 18,376

21.8%

National Origin: 8,299

9.8%

Religion: 3,436

4.1%

Color: 3,240

3.8%

The victims of those complaints picked up a cool $398 million from the private sector and state governments and the federal government via the EEOC. That money came via litigation and settlements.

Equal Pay Act: 996

1.2%

Genetic Information: 206

.2 %

The fallout continues today.

Sex — surprisingly, and considering all the noise about Weinstein and others — is not the most frequently filed complaint. It came in fourth with 6,696 charges and the EEOC picked up $46.3 million for victims of sexual harassment.

Overall, the EEOC received 99,109 charges but reduced the charge workload by 16.2% to 61,621 which is the lowest level of inventory — if we have to call it that — in the last decade.

Prioritizing more efficiently is the reason.

Source: MyNewMarkets.com

April 2018 | Main Street Industry News | www.pianeia.com | 22

TOP STORIES

J.D. POWER

I NSURANCE CUSTOMER SATISFACTION SKYROCKETS J.D. Power and Associates said in spite of a plethora of hurricanes, fires and other disasters last year, customer satisfaction among homeowners who filed claims is at an all-time high. Spokesman David Pieffer says the insurers who were best able to manage customer expectations on how long it will take to settle a claim did best.

ranges of performance among insurers in different regions of the country and between different service attributes. Particularly noteworthy, customer satisfaction in Texas and Florida — two of the areas hardest-hit by hurricanes — show below-average results, spotlighting areas where there is still room for improvement among insurers,” he said.

Study’s Key Findings: • On a 1,000 point rating customer satisfaction hit an all-time high of 860 • The key factor of success is the management of the time it will take to satisfy the client

“The last two years of record catastrophic losses have put P&C insurers to the test, and many have risen to the occasion, driving overall customer satisfaction levels to new highs,” he said.

• Being well-informed is as critical as actually settling the claim

Best of all — Pieffer added — is the variety of ways that satisfaction occurred.

The negative? As expected and as noted, the areas with weather-related catastrophes showed the most dissatisfaction.

“While that overall performance is a positive for the industry, there is wide variability in the different

• Even those who took longer were satisfied when communication was good

Source: Insurance Business America

April 2018 | Main Street Industry News | www.pianeia.com | 23

PIA NE IA EVENTS

PROFESSIONAL INSURANCE AGENTS

Nebraska & Iowa

April 2018 | Main Street Industry News | www.pianeia.com | 24

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OMAHA MARRIOT 222 N 10th St., Omaha, NE 68102

Overlooking the Missouri River and downtown skyline, Omaha’s newest and only full-service luxury hotel features 333 guest rooms in a contemporary high-rise, glass structure. Anchoring the new Capitol District, this urban destination hotel is situated in a prime location with attractions just steps away in all directions.

Reservations: 800-Marriott (Cutoff: May 11, 2018) Professional Insurance Agents Rate - PIA: $139

LET’S GOLF

Dodge Riverside Golf Club 2 Harrah’s Blvd., Council Bluffs, IA 51501

Trade your baseball bat for a golf club and hit the links at Dodge Riverside Golf Club, “Home of the Greater Omaha Golf Championships” and named by Golf Digest on the list of best places to play. This immaculate course and classic clubhouse on the banks of the Missouri River offer unparalleled views of the water and Omaha skyline.

Golf Registration includes golf, cart, Bloody Mary Bar, lunch, hole sponsor contests, activities and prizes.

April 2018 | Main Street Industry News | www.pianeia.com | 25

PIA NE IA EVENTS

GOLF AGENDA Thursday, June 7, 2018 10:00 AM

Complimentary Shuttle Departs Marriott Capitol District for Dodge Riverside Golf Club. Bell staff will hold luggage for check-in.

10:00 AM

Registration and Bloody Mary Bar Open

11:00 AM

Shotgun Start at Dodge Riverside Golf Club

4:30 PM

Golf Awards and Prizes at Dodge Riverside Golf Club

5:00 PM

Complimentary Shuttle Returns to Marriott Capitol District

CONVENTION AGENDA Thursday, June 7, 2018 6:00 PM – 7:00 PM

7:00 PM – 10:00 PM

Welcome Hospitality Suite with the Past Presidents. All are invited to kick-off the 2018 PIANEIA. Convention with our Past Presidents.

Annie’s Irish Pub Featuring Blazin’ Pianos Join President Jeff Brehmer as he welcomes everyone to the 2018 PIANEIA Convention. Annie’s Irish Pub is located a few steps from the Marriott in the new Capitol District. Two Blazin’ Pianos will be taking requests and belting tunes at what is sure to be a hot event. Complimentary beer and wine from 7 PM - 8 PM.

Friday, June 8, 2018 7:00 AM

7:30 AM – 8:30 AM

Breakfast

8:30 AM – 11:30 AM

How to Turn Your Technical Knowledge into Dollars! An overview of the 3-part Insurance Success Seminars which leads to the Certified Professional Insurance Agent designation. Presented by Sam Bennett, CIC, CPIA, AFIS. 3 P/C CE Hrs approved.

11:30 AM – Complimentary Professional Photo 1:30 PM Station Digital photos will be provided to you for use on resume, business and social media websites.

11:30 AM – Lunch & Awards 12:30 PM • High School Scholarship Recipient • Agent of the Year • Company of the Year • Installation of Officers 12:30 PM – 12:50 PM

Jim Scheer, Speaker of the Nebraska Legislature & PIA Member *tentative

12:55 PM – 1:10 PM

Jon Gentile, VP, Government Relations for National Association of Professional Insurance Agents. Get the most current industry updates from Capitol Hill.

1:15 PM – 4:15 PM

Personal Lines and the Sharing Economy – “I’m Gonna Uber To An Airbnb – What Can Possibly Go Wrong?” Explore how personal lines coverage forms respond to property and liability exposures for activities in which insureds share such property as homes, autos, watercraft and/ or recreational vehicles. Presented by Sam Bennett, CIC, CPIA, AFIS. 3 P/C CE Hrs approved.

2:30 PM – 2:45 PM

Gary Baumann Retirement Toast After 49 years in the insurance industry, Gary is retiring. Join us for a specialty beverage named in honor of Gary and toast this friend and gentleman.

Early Bird Morning Run-Walk Enjoy the fresh air along the scenic Missouri Riverfront and across the Bob PROFESSIONAL INSURANCE AGENTS Kerry Pedestrian Bridge into Iowa…and 4:15 PM back, of course.

Nebraska & IowaAdjourn

April 2018 | Main Street Industry News | www.pianeia.com | 26

PIA NE IA EVENTS

EXPERIENCE OMAHA

As excitement builds during the PIANEIA convention in the days leading up to the College World Series, TD Ameritrade Park stands ready to play ball two blocks north of the Marriott.

Omaha’s new entertainment destination, the Capitol District, features a modern twist on the town square. Watch the CWS play-offs on the outdoor screen. Explore the cobblestone streets of the Old Market District and Omaha Summer Arts Festival 2018‌all within a five-minute stroll.

JOIN US THIS JUNE

Register online at www.pianeia.com Registration Deadline: 06/01/2018 For more information, please call Lindsey at (40) 392-1611 or email frontdesk@pianeiacom.

April 2018 | Main Street Industry News | www.pianeia.com | 27

CONGRATULATIONS FOR YOUR EARNED DESIGNATION The Professional Insurance Agents NE IA would like to congratulate everyone who has earned a designation from The National Alliance in 2017.

2018 CIC Designation

CISR Designation

Ms. Angela Albrecht The Harry A Koch Co Omaha, NE

Ms. Chelsea Meleava Moss, CISR True North Companies Cedar Rapids, IA

Mr. Spencer J. Bowers, CIC Cottingham & Butler Dubuque, IA Mr. Paxton Thomas Farmer, CIC First Gabrielson Agency Clear Lake, IA Mr. Joseph Thomas Loring, CIC Walker Insurance Agency, Inc. Arnolds Park, IA Mr. Christopher Warren Rosacker, CIC Ryder Rosacker McCue & Huston Grand Island, NE

Ms. Shala Marie Smith, CISR The Accel Group LLC Cedar Rapids, IA

CISR Elite Designation Ms. Lara L. Burkhead, CISR Elite Nelson Brothers Agency Muscatine, IA

April 2018 | Main Street Industry News | www.pianeia.com | 28

2018

Think Outside of the Box The 2017 PIA Agency Marketing Guide is full of marketing ideas, case studies, and strategies that can help your agency stay ahead of the marketing curve.

Get creative and try something new today!

Thank you to the 2017 PIA Agency Marketing Guide sponsors:

2013

Inside you’ll find a plethora of articles and tips from real agents as well as industry professionals who work with thousands of agents across the country each year to improve their businesses: • How to Drive More People to Your Website • How to Sell More Insurance By Using Public Speaking • To Text or Not to Text • What’s All the Chat…About Snapchat?

• Volunteering — a Premier Way to Brand Your Agency

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Download your copy of the 2017 PIA Agency Marketing Guide and April 2018 | Main Street Industry News | www.pianeia.com | 29 check out previous editions at PIAAgencyMarketingGuide.com.

PIA NE IA EVENTS

Upcoming Events Calendar 2018 For information and to register Click Here or call (402) 392-1611.

Date

Class/Webinar

Where

When

April 4, 2018

Cyber Liability - the 21st Century Peril

NE/IA

Webinar: 12:00PM - 3:00PM

April 5, 2018

Insuring the Building Project - Builders & Risk Installation Coverage

NE/IA

Webinar: 8:00AM - 11:00AM

April 9 - June 8, 2018

MERG: Commercial Lines Coverage Basics

Online

Online Course

April 10, 2018

CPIA 1: Position for Success

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

April 11, 2018

CPIA 1: Position for Success

Omaha

Paul Davis Restoration

April 11, 2018

Street Level Ethics

NE/IA

Webinar: 12:00PM - 3:00PM

April 11 - 13, 2018

CIC: Commercial Casualty Institute

Lincoln

Marriott Courtyard

April 17, 2018

CISR: Insuring Commercial Property

Hiawatha

Kirkwood Linn Regional Center

April 17, 2018

Scary CGL Exclusions

NE/IA

Webinar: 1:00PM - 4:00PM

April 19, 2018

Tricks to Fix: Closing Coverage Gaps in Home, Work and Auto

NE/IA

Webinar: 1:00PM - 4:00PM

April 19, 2018

CISR: Commercial Casualty 1

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

April 24, 2018

A Walk Around the Farm: Farm Liability Considerations

NE/IA

Webinar: 12:00PM - 3:00PM

April 25, 2018

CPSR: Commercial Property

Kearney

Holiday Inn Express

May 8, 2018

On Ethics: Data, Dilemmas and Knuckleheads

NE/IA

Webinar: 12:00PM - 3:00PM

May 8, 2018

New Technologies, New Risks - Drones, Home and Ride-Sharing

NE/IA

Webinar: 8:00AM - 11:00AM

May 8 - 9, 2018

Ruble: Graduate Seminar (IA)

West Des Moines

Holiday Inn Hotel & Suites

May 10, 2018

Excess and Umbrella Fundamentals Plus

NE/IA

Webinar: 12:00PM - 3:00PM

May 16, 2018

CISR: Agency Operations

Davenport

Saint Ambrose University

May 17, 2018

Your Agency Online: Communication Cure or E&O Plague?

NE/IA

Webinar: 12:00PM - 3:00PM

April 2018 | Main Street Industry News | www.pianeia.com | 30

PIA NE IA EVENTS

May 22, 2018

CISR: Personal Lines Miscellaneous

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

May 22, 2018

Contractors, Contractors, Contractors

NE/IA

Webinar: 12:00PM - 3:00PM

May 23, 2018

Commercial Property Claims that Cause Problems

NE/IA

Webinar: 12:00PM - 3:00PM

May 23, 2018

Certificates of Insurance and Additional Insureds: NE/IA Making Sense of It

Webinar: 8:00AM - 11:00AM

May 29, 2018

Home Business vs. Home Insurance

NE/IA

Webinar: 12:00PM - 3:00PM

May 30 - Jun 1, 2018

CIC: Commercial Property Institute

Omaha

Omaha Marriott Hotel

May 30, 2018

Finding and Fixing Commercial Lines Coverage Gaps

NE/IA

Webinar: 12:00PM - 3:00PM

June 5, 2018

Current Trends & Changes: The Homeowner & Auto Marketplace

NE/IA

Webinar: 12:00PM - 3:00PM

June 7 - 8, 2018

2018 Convention: A Whole New Ballgame Convention Registration

Omaha

Omaha Marriott - Capitol District

June 7, 2018

2018 Convention: A Whole New Ballgame Dodge Riverside Golf Registration

Council Bluffs

Dodge Riverside Golf Club

June 11 - Jul 27, 2018

MERG: Delivering Quality Service (to the Customer and the Employer)

Online

Online Course

June 13, 2018

A Walk Around the Farm Farm Property Considerations

NE/IA

Webinar: 12:00PM - 3:00PM

June 19, 2018

CISR: Agency Operations

Hiawatha

Kirkwood Linn Regional Center

June 20, 2018

Catastrophe: The Coverage Expertise You'll Need When It Matters Most

NE/IA

Webinar: 12:00PM - 3:00PM

June 20 - 22, 2018

CIC: Commercial Casualty Institute

Cedar Rapids

Cedar Rapids Marriott

June 21, 2018

Street Level Ethics

NE/IA

Webinar: 12:00PM - 3:00PM

June 26, 2018

E&O: Reasons and Solutions

NE/IA

Webinar: 8:00AM - 11:00AM

June 26, 2018

Tricks to Fix: Closing Coverage Gaps in Home, Work and Auto

NE/IA

Webinar: 12:00PM - 3:00PM

June 27, 2018

CISR: Elements of Risk Management

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

July 11, 2018

CISR: Commercial Casualty 2

Davenport

Saint Ambrose University

July 17, 2018

Cyber Liability - the 21st Century Peril

NE/IA

Webinar: 12:00PM - 3:00PM

July 17, 2018

Scary CGL Exclusions

NE/IA

Webinar: 8:00AM - 11:00AM

July 18 - 20, 2018

CIC: Commercial Property Institute

West Des Moines

Holiday Inn Hotel & Suites

April 2018 | Main Street Industry News | www.pianeia.com | 31

PIA NE IA EVENTS

July 18, 2018

CISR: William T. Hold: Advanced Learning Seminar

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 19, 2018

Additional Insureds: The Quandry

NE/IA

Webinar: 12:00PM - 3:00PM

July 23, 2018

Your Agency Online: Communication Cure or E&O Plague?

NE/IA

Webinar: 12:00PM - 3:00PM

July 25, 2018

Street Level Ethics

NE/IA

Webinar: 12:00PM - 3:00PM

July 25, 2018

New Technologies, New Risks - Drones, Home and Ride-Sharing

NE/IA

Webinar: 8:00AM - 11:00AM

July 26, 2018

Home Business vs. Home Insurance

NE/IA

Webinar: 12:00PM - 3:00PM

July 31, 2018

Commercial Property Claims that Cause Problems

NE/IA

Webinar: 12:00PM - 3:00PM

July 31, 2018

Insuring the Building Project - Builders & Risk Installation Coverage

NE/IA

Webinar: 8:00AM - 11:00AM

August 8, 2018

CPSR: Systems, Operations & Procedures

Omaha

Paul Davis Restoration

August 22 - 24, 2018

CIC: Agency Management Institute

Lincoln

Marriott Courtyard

August 22, 2018

CISR: Insuring Personal Residential Property

Hiawatha

Kirkwood Linn Regional Center

August 28, 2018

CISR: Commercial Casualty 2

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

September 12, 2018

CISR: Personal Lines Miscellaneous

Davenport

Saint Ambrose University

September 17, 2018

CPIA 2: Implement for Success

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

September 26, 2018

CISR: Personal Lines Miscellaneous

Hiawatha

Kirkwood Linn Regional Center

October 2, 2018

CISR: Insuring Commercial Property

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

October 3 - 5, 2018

CIC: Commercial Multiline Institute

Cedar Rapids

Cedar Rapids Marriott

October 16, 2018

CPIA 2: Implement for Success

Omaha

Paul Davis Restoration

October 17 - 19, 2018

CIC: Commercial Multiline Institute

Omaha

Omaha Marriott Hotel

October 25, 2018

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

November 6, 2018

CISR: Commercial Casualty 1

Hiawatha

Kirkwood Linn Regional Center

November 13, 2018

CPIA 3: Sustain Success

West Des Moines

LaMair - Mulock - Condon Insurance (LMC)

November 14, 2018

CISR: Dynamics of Service

Des Moines

Hilton Garden Inn Des Moines/Urbandale

November 14 - 16, 2018

CIC: Personal Lines Institute

West Des Moines

Holiday Inn Hotel & Suites

November 16, 2018

CPIA 3: Sustain Success

Omaha

Paul Davis Restoration

April 2018 | Main Street Industry News | www.pianeia.com | 32

PIA NE IA EVENTS

For convenience, in addition to the two courses listed in the events; here is a full list of webinar topics that will run during 2018 that are Utica approved.

Regarding Ethics‌(discontinued after 1st Q) How to Be the Agent Advocate at Claim Time (discontinued after 1st Q) E&O Loss Prevention (discontinued after 1st Q) ALERT: Agency Legal and Ethical Responsibilities Training (discontinued after 1st Q) Street Level Ethics (will run through 2018) Your Agency Online: Communication Cure or E&O Plague (will run through 2018)

April 2018 | Main Street Industry News | www.pianeia.com | 33

Advertise Your Agency On Radio PIA’s new radio ads make it easy!

If you’ve been looking for new ways to build your agency’s brand, or just looking to replace some tired advertising, PIA’s new radio advertisements may be the answer.

PIA members now have access to 28 radio ads that they can run in their local markets. Each ad can be tagged with your agency contact information and the name of a company you represent.

Simply download the pre-recorded ads from PIA National’s website and send them to your local radio station to have your tag added. It’s that simple. Even better, the ads are included in the cost of PIA membership. You only pay for the air time.

PIA has created: • General agency branding ads • Auto insurance ads • Homeowners insurance ads • Commercial lines ads

Preview PIA’s radio ads online at www.pianet.com/piabrandingprogram Brought to you by

The PIA Branding Program Local Agents Serving Main Street America

SM

Print and radio advertising that sets PIA members apart from — and above — their competition.

National Association of Professional Insurance Agents 400 N. Washington St. • Alexandria, VA 22314-2353 (703) 836-9340 (phone) • (703) 836-1279 (fax) www.PIANET.com • piabrandingprogram@pianet.org “Local Agents Serving Main Street America” collectively describes the membership of the National Association of Professional Insurance Agents and it’s affiliate associations. It bears no relation to The Main Street America Group, also known as MSA Group, or its subsidiary companies.

SM