Main Street Industry News - April 2016

Reach for the Stars!

June 7-8, 2016 | 23

INSIDE Flood Insurance Alert: Major Changes Began April 1 » 7 A.M. Best Survey on Presidential Candidates » 9 AIG Pay Cuts for Missing Profit Goals » 12 Look for ObamaCare Rates to Continue to Rise » 15 2016 PIA Federal Legislative Summit » 20 Cover Image: Jonathan Reyes, O Pioneers

April 2016 | Published Monthly

Insuring the Midlands Since 1891 Andy Kraus, CPCU Vice President of Agencies 800-742-7433 akraus@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

Top Stories Flood Insurance Alert: Major Changes Began April 1 | 7 Changes in regulations for the National Flood Insurance Program (NFIP) began on April 1st.

The regs continue the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014.

A.M. Best Survey on Presidential Candidates | 9 A.M. Best took a survey of insurance professionals and asked which presidential candidate would be best for insurance. Donald Trump won out. And won easily.

Special Report: Opioids — Over-Prescribed & Dangerous | 11 The National Safety Council (NSC) is concerned. So are the Obama administration and Congress. Doctors are over-prescribing opioids and most prescriptions run longer than the Centers for Disease Control and Prevention (CDC) recommended three-day period.

AIG Pay Cuts for Missing Profit Goals | 12 AIG CEO Peter Hancock missed his profit goals in 2015. As a result, Hancock and other AIG executives are losing incentive pay.

Cyber from Insurance to ObamaCare Hacking & Everything In Between | 14 The National Association of Insurance Commissioners (NAIC) says insurance has a lot to learn about cyber attacks and their relationship to insurance. In 2015 personal information data (PII), financial records and medical histories were routinely grabbed by hackers.

Look for ObamaCare Rates to Continue to Rise | 15 America’s Health Insurance Plans (AHIP) told Morning Consult that health insurance rates are going to rise in the coming months. Not only that, in many cases those rate hikes will be huge.

Pedestrian Fatalities on the Rise | 17 The Governor’s Highway Safety Association (GHSA) dances all around the major reason in its annual Spotlight on Highway Safety Report. At issue is pedestrian deaths. They are expected to rise about 10% when the 2015 statistics provided by state highway agencies becomes final.

2016 PIA Federal Legislative Summit | 20 PIA National’s annual Federal Legislative Summit was April 6 and 7. Members from all over the country attended and that includes representatives from PIA NE IA.

PIA NE IA Events Reach for the Stars Event | 23 Upcoming Events Calendar 2016 | 29

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Cathy Klasi, Executive Director (402) 392-1611

April 2016| Main Street Industry News | www.pianeia.com | 4

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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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Top Stories

Flood Insurance Alert: Major Changes Began April 1

Changes in regulations for the National Flood Insurance Program (NFIP) began on April 1st.

The regs continue the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014.

The point — to make the NFIP more actuarially sound via premiums in line with true risk.

So renewals from now on will require premium increases, other fees and Reserve Fund Assessment changes. There are lots of other changes: • Write-your-own (WYO) policy changes will

now be sent out 90 days in advance

and not 45.

• Premium rates will jump an average of

4% to 6% and when factoring in fees,

surcharges and assessments, the

average will be 9%.

• Non-residential business properties could

jump as much as 25%.

PIA National sent a bulletin out on changed to the National Flood Insurance Program (NFIP).

It said the Federal Emergency Management Agency (FEMA) has released the long-delayed NFIP Manual for the April 1, 2016 changes.

At the same time, it has issued a separate bulletin with critical information for PIA agencies that write flood. It is Bulletin w-16021 — Clear Communication of Risk: When Congress passed the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA), its Section 28 requires that FEMA advise every policyholder of what their flood risk is. This is referred to as the Clear Communication of Risk mandate.

After much discussion, FEMA decided it will outreach to insureds in two phases. This bulletin [w-16021] outlines what business will be placed in which phase, its timing, and includes all instructions and notices to insurers.

April 2016 | Main Street Industry News |www.pianeia.com| 7

Top Stories

Here’s what PIA National says it is important for you to know: ONE

This is a material change from how the NFIP has operated. Until GW14, NFIP has been a “once-&-done program”, i.e., write it correctly as it comes new into the NFIP, and then it just renews.

Originally, agents and WYOs were the parties charged with determining the flood zone and rating particulars. However, the law was changed to make the lender the party that determines flood zone (irrespective of what an agent or WYO may believe). The Flood Insurance Producers National Committee (FIPNC), the Insurance Institute for Business & Home Safety (IBHS) and Write-Your-Own carriers (WYOs) have made this and many other factors known to FEMA, as to why a policy may need to be corrected for reasons that are not under the control of agency or the WYO.

TWO

Hence, agencies must appreciate that while the name of this outreach is about communications, the underlying purpose is the review, update and if necessary re-underwriting of the NFIP book. Congress and FEMA want to be sure that every piece of business written in NFIP is written correctly.

THREE

Therefore, it is important that agencies review this entire bulletin. Members need to receive guidance from their WYO, as to the timing and for a copy of the final notice sent to policyholders.

FOUR

Review your book of NFIP business. Suggested practice guidance advises that agencies may wish to identify what portions of their current NFIP book will be affected by the 1st and then 2nd phases. This will allow an agency to better prepare for and anticipate who and what nature of calls they may receive; how to handle these per advance consultation with your WYO; and also spot early any particularly complex/special treatment NFIP insureds you may have. For these “special” accounts, the agency may wish to organize the documentation in and for that file, and determine if, and if so when might the agency discuss this with their WYO to assure that everything and everyone are aligned.

What It Means to Agencies:

As PIA agencies know, having the right carrierpartners is a crucial part of making it work well for agency insurance customers and agency.

It is no different when writing NFIP business.

Being with a quality, lead WYO-insurer that works everyday with Main Street Independent Agencies is important, and PIA National offers members resources in this area (see below).

If you have any questions, please contact Pat Borowski, patbo@pianet.org. n Source link: PropertyCasualty360.com

April 2016| Main Street Industry News | www.pianeia.com | 8

Top Stories

A.M. Best Survey on Presidential Candidates A.M. Best took a survey of insurance professionals and asked which presidential candidate would be best for insurance. Donald Trump won out. And won easily.

In the statement accompanying the A.M. Best Winter 2015/2016 Insurance Industry Survey, the ratings firm said, “On the political front, insurers appear very aware of the ramifications of the 2016 presidential election. Here, the landscape for the insurance industry could look very different, depending on which candidate becomes president.”

P&C insurers on candidates still in the race as well as those that have dropped out: • Donald Trump — 26.5% • Gov. Jeb Bush — 18.5% • Sen. Marco Rubio — 11.3% • Carly Fiorina — 10.6% • Sen. Ted Cruz — 9.9% • Gov. John Kasich — 6% • Secretary Hilary Clinton — 5.3% • Gov. Chris Christie — 4% • Other — 4% • Dr. Ben Carson — 2% • Sen. Rand Paul — 1.5% • Sen. Bernie Sanders — 0.7%

Just to check their results, A.M. Best also asked a question in reverse. They wanted to know whose policies would be the least favorable for the P&C industry. And it got — not surprisingly — reverse results: • Sen. Bernie Sanders — 73.1% • Secretary Hilary Clinton — 15.6% • Sen. Ted Cruz — 3.3% • Other — 3.3% • Donald Trump — 1.3% • Carly Fiorina — 1.3% • Sen. Marco Rubio — 0.7% • Gov. Chris — 0.7% • Gov. Jeb Bush — 0.7% Same question life and health: • Sen. Bernie Sanders — 77.5% • Secretary Hilary Clinton — 15.2% • Sen. Ted Cruz — 3.3% • Other — 2.7% • Donald Trump — 1.3% • All other candidates score 0%

Life & health insurers on candidates still in the race as well as those that have dropped out: • Donald Trump — 26.7% • Gov. Jeb Bush — 22.6% • Sen. Marco Rubio — 11.7% • Sen. Ted Cruz — 9.6%

• Gov. John Kasich — 7.5% • Carly Fiorina — 6.2% • Secretary Hilary Clinton — 4.1% • Other — 3.4% • Gov. Chris Christie — 3.4% • Dr. Ben Carson — 2.7% • Sen. Bernie Sanders — 2.1%

In conclusion, A.M Best said, “Overall, there appears to be a favorable perception of the Republican Party’s stated intent to eliminate the Affordable Care Act in its current form. Bernie Sanders’ proposal for Universal Health Care, as well as Hillary Clinton’s proposed policies on prescription drugs, were likely reasons for the negative responses.” n Source link: PropertyCasualty360.com

April 2016 | Main Street Industry News |www.pianeia.com| 9

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Top Stories

Special Report

Opioids ... Over-Prescribed & Dangerous The National Safety Council (NSC) is concerned. So are the Obama administration and Congress. Doctors are over-prescribing opioids and most prescriptions run longer than the Centers for Disease Control and Prevention (CDC) recommended three-day period. Any longer than three days — the CDC said — and the drugs cause brain damage.

The survey was done of 201 family or internal medicine physicians who spend at least 70% of their time treating patients in an office setting.

How bad is it?

Here’s more:

• The NSC says 99% of doctors fall into this category.

• 99% of doctors say they have seen doctor shopping patients wanting opioids.

• And of that 99% a whopping 23% prescribe them for at least a month.

• That same number have seen people who are abusing opioids.

• Just 38% of those doctors recommended those patients seek addiction treatment.

Here’s what else the NSC found: • 74% of doctors overestimate the effectiveness of opioids.

• They incorrectly believe morphine and oxycodone are the most effective ways to treat pain.

• But over-the-counter pain relievers like ibuprofen and acetaminophen are actually the most effective.

• Just 5% have treated that abuse themselves.

It gets worse: • 71% of doctors prescribe opioids for chronic back pain.

• 55% prescribe it for dental pain.

• It is not appropriate for either case.

April 2016 | Main Street Industry News |www.pianeia.com| 11

Top Stories • 67% of the surveyed doctors base the prescription on patient expectations and not what is best for them.

• 50% of patients are more likely to visit their doctor again if opioid alternatives are prescribed.

• 84% screen for prior opioid abuses but just 32% screen for a family history of addition.

Dr. Donald Teater is a medical advisor for the National Safety Council. He said, “Opioids do not kill pain; they kill people. Doctors are wellintentioned and want to help their patients, but these findings are further proof that we need more education and training if we want to treat pain most effectively.”

How bad is the problem? So bad that drug overdose has overtaken auto crash deaths as the leading cause of preventable death for American adults.

The Obama administration is going to ramp up efforts to battle opioid addiction. The Department of Health and Human Services (HHS) has finalized a policy that gives the 23 million people receiving health insurance via Medicaid the same mental health and drug addiction benefits as those with private health plans.

The administration will also release $120 million in grants to battle opioid addiction and $93 million of that will go to community health centers.

Congress is getting into the act, too. A bipartisan bill passed the Senate that creates a national task force to study and fight such addiction. It will also increase the availability of naloxone, a drug that treats opioid overdose. n

AIG Pay Cuts for Missing Profit Goals AIG CEO Peter Hancock missed his profit goals in 2015. As a result, Hancock and other AIG executives are losing incentive pay. For Hancock it’s 29% or about $1 million. For his non-equity incentive plan for 2015 Hancock will pick up $2.5 million.

In 2014 that figure was $3.5 million.

In a regulatory statement on the pay cut, AIG said, “Mr. Hancock and our other executives received an earned award equal to 78 percent of their target amount.

Payment of 50 percent of this amount is deferred until 2017.”

Meanwhile, AIG continues to move forward with its plan to sell United Guaranty Corp. The initial public offering has been filed for $100 million. That is a placeholder to calculate fees but it will likely change.

JP Morgan Chase and Morgan Stanley are underwriting the deal.

In 2015 United Guaranty had a net income of $359.8 million. That was down 8.6% from 2014. Revenue fell 11% to $922.6 million. n Source links: Insurance Business America, Insurance Journal

Source links: Insurance Journal, The Hill

April 2016| Main Street Industry News | www.pianeia.com | 12

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Top Stories

Cyber from Insurance to ObamaCare Hacking & Everything In Between The National Association of Insurance Commissioners (NAIC) says insurance has a lot to learn about cyber attacks and their relationship to insurance. In 2015 personal information data (PII), financial records and medical histories were routinely grabbed by hackers.

How many were impacted? About 112 million.

Or so says the Office of Civil Rights which is an agency housed in the Department of Health and Human Services. The hacking of Anthem in February and Premera Blue Cross in March account for 90 million of the losses.

Government has its fair share of hacks, too.

But you know that already. What you may not know is the ObamaCare federal website HealthCare.gov has seen 316 cybersecurity incidents since it began functioning. And the Government Accountability Office (GAO) says the website continues to be vulnerable,.

Taken from the website are names, birth dates, Social Security numbers, addresses, financial info and other personal information. Of the over 300 incidents, 41 involved information that was not properly secured.

The state exchanges also are at risk.

The NAIC Cybersecurity Task Force has introduced a new Data Security Model Law for health and other insurers that puts standards in place for data security and breach responses and it outlines the responsibility of regulators when a breach occurs.

“Because insurance is a data-driven industry, regulators must understand what data is being collected and for what purpose. Today, regulators and companies have a need for data beyond what has been traditionally collected.

But what regulators need is greater insight, not just more data,” the NAIC said.

What this doesn’t do is prevent breaches.

BakerHostetler’s 2016 Data Security Incident Response Report outlines just what happened in 2015 and how: • Phishing, hacking and malware accounted

for 31% • 24% came from employee mistakes One of the new favorites of cyber criminals is ransomware. It gets into your computer and freezes it up. To get access to your data you must pay a ransom. Most often it is several hundred dollars.

The situation is growing so perilous that the FBI has asked businesses and software security experts to assist and it sent out an alert.

Anyone experiencing a ransomware attack is asked to report it to the FBI so it can be investigated.

Hardest hit are healthcare firms and law enforcement. n Source links: Insurance Business America, Insurance Networking News, Carrier Management

April 2016| Main Street Industry News | www.pianeia.com | 14

Top Stories

Look for ObamaCare

Rates to Continue to Rise America’s Health Insurance Plans (AHIP) told Morning Consult that health insurance rates are going to rise in the coming months. Not only that, in many cases those rate hikes will be huge.

The association’s CEO — and former Centers for Medicare and Medicaid Services head — Marilyn Tavenner said market shifts and the continuing rise in the cost of health care will drive the increases.

“I’ve been asked, what are the premiums going to look like? I don’t know because it also varies by state, market, even within markets. But I think the overall trend is going to be higher than we saw previous years. That’s my big prediction.”

How bad is it? Tavenner didn’t say but a report in thefiscaltimes.com said some states saw a 76% hike in deductibles in 2016. Those increases could continue next year. And she pointed out the factors that will lead to those jumps: • The continuing rise of medical costs • Prescription drug prices are rising a lot • Market forces and Affordable Care Act (ACA) limitations are causing insurers to raise their rates • Risk mitigation programs from the ACA make it harder for insurers to pay for inadequate risk coverage AHIP’s Clare Krusing said health insurers are aware of these and will keep them in mind when setting rates next year. “Plans are just beginning to file their rates, and it’s a long process with state and federal regulators, until those are approved. Certainly plans are going to evaluate market conditions and regulatory approvals, and that will all impact their participation overall [in the ACA].” n Source link: Insurance Business America

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April 2016| Main Street Industry News | www.pianeia.com | 16

Top Stories

Pedestrian Fatalities on the Rise

The Governor’s Highway Safety Association (GHSA) dances all around the major reason in its annual Spotlight on Highway Safety Report. At issue is pedestrian deaths. They are expected to rise about 10% when the 2015 statistics provided by state highway agencies becomes final.

That’s the biggest increase ever recorded.

The report quotes numbers and statistics and all and finally gets to the reason for the alarming jump. And it is alarming says one of the report’s authors Richard Retting of Sam Schwartz Consulting. “Pedestrian safety is clearly a growing problem across the country. It

April 2016 | Main Street Industry News |www.pianeia.com| 17

Top Stories is important to understand the data underlying these crashes so states and localities can apply the right mix of engineering, education and enforcement to counteract this troubling trend,” Retting said.

• 26 states saw pedestrian fatalities rise • 21 saw them fall • 3 stayed the same The report breaks it down even more:

Pedestrian fatalities happen more in states with larger urban centers than those without.

The PIA Western Alliance state of California is one of them. Others are New York, Florida and Texas. These states account for 42% of all of the pedestrian fatalities registered.

When you start accounting for percentages of population the states with the most fatalities include the PIA Western Alliance states of New Mexico and Arizona. n Source link: Insurance Journal

• In 2015 there were 2,368 pedestrian fatalities around the country • In 2014 we saw 2,232 • The percentage of pedestrian deaths in 2015 is 15% • Pedestrians accounted for 14% of the traffic deaths in 2013 • That’s up from 11% in 2004 As a comparison, bicycle deaths rose from 1.7% in 2004 to 2.2% in 2013.

So what’s causing the staggering increase in pedestrian deaths?

The report finally gets to the point and says it could be the growing use of cell phones with walkers and drivers. A lot of people these days are walking for economic reasons and because they’re concerned about the environment as well as walking for their good health.

And a lot is a lot!

More than four million of us — the Census Bureau notes — are walking to work and the number biking to work is 860,000.

April 2016| Main Street Industry News | www.pianeia.com | 18

Utica’s Agents’ Errors & Omissions Program is all about…

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PIA of Nebraska & Iowa (402) 392-1611 www.pianeia.com April 2016 | Main Street Industry News |www.pianeia.com| 19

Top Stories

2016 PIA Federal Legislative Summit

Photo Left to Right - Mark Suhr, Patrick Wehling, Robert Hansen, Senator Ben Sasse, Rick Sirek, Amy Kotas, Jim Dobler, Mike Bowman

PIA National’s annual Federal Legislative Summit was April 6 and 7. Members from all over the country attended and that includes representatives from PIA NE IA. Attending were: • PIA National President & Former PIA NE IA President Robert Hansen, Jr. • PIA NE IA President Mike Bowman • PIA NE IA President Elect Patrick Wehling

• PIA NE IA National Director Mark Suhr • Former PIA NE IA President Amy Kotas • Former PIA NE IA President Rick Sirek • PIA NE IA Legislative Coordinator Jim Dobler • PIA NE IA Executive Director Cathy Klasi Participants met with their congressional delegation and advocated for PIA’s positions on a range of issues. PIA National President Robert Hansen, Jr. Said, “PIA’s annual legislative summit is an important part of our year-round program of legislative advocacy.

April 2016| Main Street Industry News | www.pianeia.com | 20

Top Stories Our members are grateful for the positive reception we received from our lawmakers and we look forward to continuing to work with them to advance our legislative priorities.”

The delegation said they met with Senator Deb Fischer and Senator Ben Sasse. On the House side they were only able to meet with staff because the House was not in session. In session or not, PIA NE IA President Mike Bowman said attending is one of the most valuable things you can do for the independent insurance agent and the insurance industry as a whole.

Mike Bowman said “Many of the issues of critical importance to local insurance agents and their customers are in play in Congress this year. That’s why it is so important they we connect with our elected representatives on Capitol Hill, up close and personal”. n

“We didn’t just send an email, we actually flew all the way there, visited each office and dropped off the PIA info and our business cards.

I think we make enough of an impact that the staffers will read through our info and find that it will help them assist the Senators in making decisions when it comes to voting time,” he said. “PIA is an aggressive, activist organization that is never afraid to speak up and speak out on behalf of our members and clients”.

Mark Suhr has been attending the annual event for over ten years. He said, “With the congressmen out on a break, the congressional offices were very relaxed and the meetings seemed much more low key with the aides. It was great meeting with Sen. Deb Fischer and Sen. Ben Sasse. They were very receptive to our advocacy efforts on our issues.”

Those issues are: • Promotion of Small Businesses & Tax Reform • Protection of State Insurance Regulation • Safeguarding of Important P&C Programs; Crop, Flood and Terrorism Risk Insurance Programs • Agent Licensing Uniformity • Role & Value of Agents in the Healthcare Reform

“Talking Crop” Photo Left to Right – Rick Sirek, Mark Suhr, Mike Bowman, Patrick Wehling, Senator Ben Sasse and Jim Dobler

April 2016 | Main Street Industry News |www.pianeia.com| 21

Protect Your Operation

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There’s been an uptick in suits from non-employees, too.

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Our Employment Practices Liability includes options to help you protect your organization from claims of discrimination, harassment, wrongful termination and other employment-related accusations by employees, customers, service providers, suppliers and vendors.

Utica National policyholders can take advantage of free streaming video and online courses for employees and supervisors on preventing discrimination and harassment.

This can save you training dollars and help minimize the chances your operation will be unjustly accused.

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This flyer represents an outline of coverage available from the companies of the Utica National Insurance Group. No coverage is provided by this summary. Coverage availability, terms and conditions are dictated by the policy and may vary by state. For questions on coverages, contact your independent agent.

April 2016| Main Street Industry News | www.pianeia.com | 22

9-A-1837 Ed. 10-15

Reach for the Stars!

Golf & Entertainment Day – Tuesday, June 7th

Golf Outing at Quarry Oaks Golf Course – www.quarryoaks.com

Quarry Oaks Golf Course 16600 Quarry Oaks Dr., Ashland, NE 68003 (402) 944-6000

$85 Members/$95 Non-Members *Includes one drink ticket **Limited to the first 80 registrants**

Quarry Oaks is an 18-hole championship golf course and is unrivaled in the Midwest in concept and design.

Quarry Oaks Golf course is nestled in the beautiful Platte River Valley and is perfectly located just off of Interstate 80, midway between Lincoln and Omaha.

Registration begins at 10:00am Shot Gun Start is at 11:00am Golf Prizes awarded at evening trade fair – includes heavy hors d’oeurves

Trade Fair & Evening Entertainment at Embassy Suites Omaha - LaVista

Embassy Suites by Hilton 12520 Westport Pkwy, La Vista, NE 68128 (402) 331 - 7400

$35 Members/$45 Non-Members Trade Fair begins at 5:00pm *Golf Prizes will be awarded at 5:30pm

Representatives of numerous businesses that support our association are eager to visit with you. Refreshments and hors d’oeurves will be available as you mingle with the crowd and make the rounds of the exhibit booths. Be sure to bring plenty of business cards and make the most of this opportunity to make new contacts and strengthen established relationships “Have No Fear” begins at 6:30pm Curt Tomasevicz has participated in numerous Olympics in past years earning multiple medals. Among many achievements the greatest came in February 2010 where he and three others raced the “Night Train” to the first American four-man Olympic title in 62 years. Curt is one of the only six American bobsledders in history to earn multiple Olympic medals. Curt has been featured on the cover of Sports Illustrated and has thrown Major League first pitches.

PIA Nightcap Reception begins at 8:00pm

Beyond Golf 12040 McDermott Plaza, Suite 330

Join your fellow insurance professionals for a night of fun!

Hotel Facility: Embassy Suites by Hilton

You are responsible for making your own hotel reservation by contacting the Embassy Suites at (402) 331-7400 and requesting the group name “Professional Insurance Agents” for our special rate of $124. A block of rooms have been reserved for June 6-7, 2016. The special room rate will be available until May 7th or until the group block is sold-out.

Event Attire: For Tuesday’s golf outing, appropriate golf attire please; Tuesday evening & Wednesday, attire is Business Casual.

Education Day – Wednesday, June 8th Breakfast with the Presidents– 7:00am $10 Members/$20 Non-Members

Sit down with Past Presidents and help us to honor them for their dedication to the PIA!

$50 for Members / $60 Non-Members w/Lunch **Education & Lunch Package: $80/Members / $90/Non-Members Tricks to Fix – Applied for 3 P/C CE hours

Morning Session – 8:30 am **Registration begins at 8:00 am** Side jobs, change of ownership, borrowed/rented cars, loss assessments and several other classic coverage concerns are dissected in Tricks to Fix. This course reviews common personal and commercial coverage gaps that- if unresolved- are certain to expose agents to the ferocity that is an angry insured. The situations discussed in this course are far from unusual; these coverage concerns are intentionally pulled from common policies sold daily by agents. This course will challenge you to break the monotony of selling these common policies and see them for what they really are: a contract full of potential pitfalls only avoidable by the most advanced agents.

Kevin Amrhein, CIC – Tallahassee, FL

Kevin is a graduate of the University of Central Florida. He began his insurance career as a marketing intern before serving as a commercial lines agent for an independent agency in Orlando, FL. He received the CIC designation in 2003 and has served as Senior Adviser for the Florida Insurance School Continuing Education since 2004. He is a National Faculty member for the National Alliance for Insurance Education & Research’s Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR) programs.

Every agency wants to save money.

Earn a 5% credit—up to a maximum of 10% credit applied to your Utica premium by attending this seminar!

There is no minimum premium threshold for an account to be eligible for the credit, which will be applied after the application of any schedule rating modifiers.

Total Staff Size and Who Needs to Attend 1-3 staff size > 1 principal/office manager or CSR need to attend 4-10 staff size > 1 principal/office manager and 1 CSR need to attend 11-20 staff size > 1 principal/office manager and 2 CSRs need to attend 21+ > 20% of staff need to attend

Achievers Luncheon - 12:15 pm – 1:45 pm $25 for Members/Non-Members A la Carte $50 for Members / $60 Non-Members w/Lunch Today’s E&O – Applied for 3 General CE hours Afternoon Session – 2:00-5:00 pm Insurance professionals should expect three things from this E&O course: 1) useful data, 2) practical tips to identify exposures and fortify operations and 3) examples of things not-to-do as evidenced by knuckleheads who do those things. Addressed issues include: marketing, communications, technology, workflows, coverage and claims. In addition, this E&O course features interactive case studies which will engage students to defend and/ or attack the positions of all four sides- insured, agent, carrier and attorney. Lines will be drawn. Bonds will be broken. Friends will leave as enemies. You have been warned. Kevin Amrhein, CIC – Tallahassee, FL

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Proven, practical professional education at www.pianeia.com or (402) 392-1611

PIA NE IA Events

Upcoming

Events Calendar 2016 For information and to register Click Here or call (402) 392-1611.

Date

Class/Webinar

Where

When

May 9, 2016

Life Insurance Concepts for the Property & Casualty Agent

NE/IA

Webinar 12:00 PM - 3:00PM

May 12, 2016

Ethics Taking it to the Streets

NE/IA

Webinar 1:00 PM - 4:00 PM

May 16, 2016

Personal Lines Complications: Because Simple is just too darn Easy

NE/IA

Webinar 12:00 PM - 3:00PM

May 17, 2016

CISR: Insuring Personal Auto Exposures

Marion

Kirkwood Training Center

May 18, 2016

Social Networking: OMG or E&O?

NE/IA

Webinar 12:00 PM - 3:00PM

May 19, 2016

And the CHAOS Continues

NE/IA

Webinar 12:00 PM - 3:00PM

May 18 - 20, 2016

CIC: Commercial Casualty Institute

Cedar Rapids

Cedar Rapids Marriott

May 20, 2016

Man Vs. Machine

NE/IA

Webinar 8:00 AM - 11:00 AM

May 24, 2016

CISR: Commercial Casualty 2

Des Moines

Hilton Garden Inn Des Moines/Urbandale

May 25, 2016

Get in the Ring: A look at Property Claims, Fights, & Decisions

NE/IA

Webinar 12:00 PM - 3:00PM

May 26, 2016

Contractors Insuring the Liability Exposures

NE/IA

Webinar 1:00PM - 4:00 PM

June 7 - 8, 2016

PIA Annual Convention

Omaha

Embassy Suites Omaha - La Vista

June 14, 2016

Words Mean Things & Insurance is a Foreign Language

NE/IA

Webinar 12:00 PM - 3:00PM

June 15, 2016

Top 12 Coverage Countdown

NE/IA

Webinar 12:00 PM - 3:00PM

April 2016 | Main Street Industry News |www.pianeia.com| 29

PIA NEPIA IA Events NE IA Events

June 16, 2016

Food Borne Illness & Insurance Coverage

NE/IA

Webinar 12:00 PM - 3:00PM

June 16, 2016

CISR: Insuring Commercial Property

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

June 20, 2016

The Ever-Evolving Affordable Health Care Act

NE/IA

Webinar 12:00 PM - 3:00PM

June 22, 2016

How to be the Agent Advocate at Claim Time

NE/IA

Webinar 12:00 PM - 3:00PM

June 22, 2016

CISR: Agency Operations

Davenport

Saint Ambrose University

June 23, 2016

Get in the Ring: A look at Property Claims, Fights, & Decisions

NE/IA

Webinar 12:00 PM - 3:00PM

June 27, 2016

Ethics Taking it to the Streets

NE/IA

Webinar 12:00 PM - 3:00PM

June 28, 2016

Leases & Contracts Vs. The Insurance Policy

NE/IA

Webinar 8:00 AM - 11:00 AM

June 28, 2016

CPSR: Commercial Casualty

York

Holiday Inn Express York

July 20 - 22, 2016

CIC: Life & Health Institute

West Des Moines

Holiday Inn Hotel & Suites

July 6 - 8, 2016

CIC: Agency Management Institute

Omaha

Hilton Double Tree Omaha SouthWest

July 21, 2016

CISR: Personal Lines Miscellaneous

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 27, 2016

CPIA 2: Implement for Success

Omaha

Hilton Garden InnOmaha

July 28, 2016

CPIA 2: Implement for Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

August 10, 2016

CISR: Insuring Commercial Property

Marion

Kirkwood Training Center

August 23, 2016

CISR: Insuring Personal Auto Exposures

Davenport

Saint Ambrose University

August 24 - 26, 2016

CIC: Commercial Property Institute

Lincoln

Marriott Courtyard

August 31, 2016

CPSR: Personal Auto

Omaha

Hilton Garden Inn Omaha

September 15, 2016

CISR: Insuring Personal Residential Property

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

September 27, 2016

CISR: Commercial Casualty 2

Marion

Kirkwood Training Center

September 28 - 30, 2016

CIC: Agency Management Institute

Cedar Rapids

Cedar Rapids Marriott

October 6, 2016

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

April 2016| Main Street Industry News | www.pianeia.com | 30

PIA NE IA Events

October 11, 2016

CISR: Insuring Commercial Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 12, 2016

CPIA 3: Sustain Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 12 - 14, 2016

CIC: Personal Lines Institute

Omaha

Hilton Double Tree Omaha SouthWest

October 13, 2016

CPIA 3: Sustain Success

Omaha

Hilton Garden Inn Omaha

October 26, 2016

CPSR: Residential Property

Kearney

Holiday Inn Express Kearney

November 16 - 18, 2016

CIC: Commercial Property Institute

West Des Moines

Holiday Inn Hotel & Suites

April 2016 | Main Street Industry News |www.pianeia.com| 31

Help Protect Your Most Valuable Asset - Your Income - With The PIA Trust

Long Term Disability Plan

LTD COVERAGE DESIGNED WITH LOCAL AGENTS IN MIND As a PIA Member* serving Main Street America, you and your employees** have access to a highquality, competitively priced LTD plan through the PIA Services Group Insurance Fund.

How would you manage if a long-term disability reduced your earning power? For many people, disability means an interruption in earnings that can put them financially at risk. With the PIA Trust Long Term Disability Income Insurance plan, PIA members and their employees** can get the coverage they need to help protect against that risk.

With no medical underwriting necessary*** and additional flexible options available, each participant can easily customize a plan to suit their own specific needs.

PIA SERVICES GROUP INSURANCE FUND

For more information about the PIA Trust Long Term Disability Income Insurance plan, please contact your local PIA Affiliate or call the Plan Administrator at (800) 336-4759. Additional information is also available on-line at www.piatrust.com. * PIA National membership, when required, must be current at all times ** No minimum participation required *** Benefits subject to a pre-existing condition limitation

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

Underwritten by Unimerica Insurance Company, Association Administrative Address, P.O. Box 17828, Portland, ME 04112-8828, under Policy Form ADI-4001-A (UIC).

Insurance Program Administered by Lockton Affinity, LLC.