Main Street Industry News - April 2022

INSIDE Major Insurers Exit Russia in Mass » 7 Women & Insurance Agency Ownership — Just 31% are Owners » 20 Working Remotely — Is it Losing its Luster? » 26

April 2022 | Published Monthly

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Our promise is to be “Always alongside you.”

Farmers Mutual’s coverages are supported by prompt, personalized service and unmatched financial strength. As the leading insurer of farms in Nebraska and South Dakota, our history of success is a reflection of the trust and loyalty we’ve earned from our policyholders and local agents.

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

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.pianational.org/header-utility-items/join/Join-PIA.

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

Major Insurers Exit Russia in Mass | 7 The Russian invasion of Ukraine has the business world reeling. It has hit a world economy already reeling from COVID. With the economic impacts of the invasion, and the sanctions imposed by the West and by countries all over the world, businesses are exiting the country in droves.

Pets & People — Goodbye is a Pet Stressor | 11 Those with pets usually add some sort of routine when they leave the house for work or for fun.

It’s added in with the to-dos. Lights off? Check.

Electronics turned off? Yep. Door locked? Got it.

Long Hours Increasing | 12 Before COVID working longer hours was on the rise.

COVID sent many of us home and our employers allowed us to work from there. Longer work hours rose some more. The Occupational Safety and Health Administration (OSHA) says about 9% of us work at least 55 hours a week.

The Top 25 P&C Insurers of 2021 — NAIC Report | 16 The National Association of Insurance Commissioners (NAIC) has released its final report on the nation’s top 25 property-casualty insurers.

Along with the list came a lot of income information and other results.

Women & Insurance Agency Ownership — Just 31% are Owners | 20 The report is titled The State of Women in Independent Insurance Agencies. It was authored by Liberty Mutual and Safeco and checked in with 374 agencies. It found that close to 60% of the people employed in insurance agencies are women.

PIA National and its New Cyber Assessment Program | 22 The PIA wants our members to be prepared. That’s why want to introduce you to PIA National’s Cyber Assessment Program. Data compromises by bad guy hackers grew 68% from 2020 to 2021. Sadly, some agencies think they’re too small to be a bother to hackers.

Good & Not So Surprising News — Consumers Prefer Buying Home & Auto Locally | 23 Duck Creek Technologies talked with people considering an auto or a homeowners policy purchase. It found — no surprise — that people prefer working locally to pick up that insurance.

Working Remotely — Is it Losing its Luster? | 26 Apartment List — the free service to help people find apartments — has done a study of working remotely. COVID has changed work, and where we work from, and the survey finds that working remotely is now deeply ingrained in business, our economy and our society.

PIA NE IA EVENTS Upcoming Events Calendar 2022 | 28

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Insurance Rates — Things are Shifting | 21 After several years of renewal increases in most lines of insurance, four lines — commercial auto, general liability, commercial property and umbrella — saw declines in renewal rates last month.

April 2022 | Main Street Industry News | www.pianeia.com | 4

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TOP STORIES

MAJOR INSURERS EXIT RUSSIA IN MASS

The Russian invasion of Ukraine has the business world reeling. It has hit a world economy already reeling from COVID. With the economic impacts of the invasion, and the sanctions imposed by the West and by countries all over the world, businesses are exiting the country in droves.

April 2022 | Main Street Industry News | www.pianeia.com | 7

TOP STORIES

That includes the world’s largest insurers.

Marsh & McLennan said last week that it is going to leave the insurance market in Russia.

Aon has also suspended business activities. So has Willis Towers Watson.

There are several insurance companies working in Russia. They include AIG, Allianz, Chubb, Zurich and others. Though they aren’t leaving, many are looking at options and are restricting business operations.

By the time this story is published, many of those listed may be exiting the country as well.

Marsh & McLennan CEO Dan Glaser said it is going to “transfer ownership of our Russian businesses to local management who will operate independently in the Russian market.”

Aon has totally suspended operations and placed its staff on paid leave.

Allianz has over 1,200 employees in Russia and says it is “prepared for all operational and financial outcomes, including market reactions, business continuity and adaptability, and readiness to comply with emerging sanctions and regulations. The situation and its implications are changing rapidly, and we continue to monitor them.”

Zurich condemned the invasion and — while not stopping operations — said it is “fully complying with applicable sanctions and has stopped renewing contracts or underwriting new business with domestic customers in Russia.”

Sources: Business Insurance and Business Insurance

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April 2022 | Main Street Industry News | www.pianeia.com | 8

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TOP STORIES • 30% pop a treat in the mouth (probably for fish, too)

Is that what we ought to be doing?

Dr. Jules Benson — Nationwide’s chief veterinary officer — says maybe not. We could be stressing out our pets and causing them some sort of separation anxiety. Benson says it might be better to just ignore them and walk out of the house.

PETS & PEOPLE

Goodbye is a Pet Stressor Those with pets usually add some sort of routine when they leave the house for work or for fun. It’s added in with the to-dos. Lights off? Check. Electronics turned off? Yep. Door locked? Got it.

Then there’s the goodbye to Fido or Sylvester the cat, or both.

A study recently done by Nationwide suggests that’s what 87% of us are doing. Of all the age groups, the born between 1997 and 2012, Generation Z — at 94% — are saying goodbye like that the most.

When we say goodbye: • 65% give the pet a pet • 40% will kiss their dog or cat goodbye (no info here on fish) • 42% just say goodbye (probably reality for fish) • 33% play with them before leaving

“If a pet is suffering from separation anxiety, performing a specific, ritual ‘goodbye’ behavior with them can trigger or heighten their fearful behavior,” Benson said. “The best course is to consult your veterinarian about ways you to treat a pet’s separation anxiety, which will likely include behavior modification training focused on when pet parents leave the house.”

For a dog that anxiety can end up with whining and pacing or accidents in the house, or it can lead to destructive or aggressive behavior.

That’s where Benson points to the accuracy of why a goodbye ought to be done differently.

• 33% of pet owners say their pets suffer from separation anxiety • 12% picked up a web cam to spy on their pets

But is it just the pet that suffers?

Maybe not: • 40% of those surveyed say they suffer anxiety when separated from their pets Source: Nationwide

April 2022 | Main Street Industry News | www.pianeia.com | 11

TOP STORIES

LONG HOURS INCREASING Before COVID working longer hours was on the rise. COVID sent many of us home and our employers allowed us to work from there. Longer work hours rose some more. The Occupational Safety and Health Administration (OSHA) says about 9% of us work at least 55 hours a week.

That’s a lot of hours!

OSHA says — what most of us already know — longer hours can lead to fatigue and stress both physically and mentally.

FATIGUE CAN CAUSE: Sleepiness Irritability Poor decision making Concentration issues Memory issues Lack of motivation

April 2022 | Main Street Industry News | www.pianeia.com | 12

TOP STORIES Fatigue — says OSHA — also can lead to physical ailments like heart disease and musculoskeletal disorders. Depression and poor diet habits can follow. If you’re fatigued, you’re also more prone to illness or injury.

The World Health Organization (WHO) did a study and found between 2000 and 2016, there was a 29% jump in deaths from stroke and heart disease. WHO tied it to longer working hours. The organization says if you work 55 hours or more, you have a 35% higher possibility of a stroke and a 17% higher chance of dying from heart disease than someone working a normal 8am to 5pm shift and 40-hour week.

OSHA SUGGESTS THAT EMPLOYERS: 1. Allow more frequent breaks 2. Address staffing issues that require longer hours 3. Improve lighting to help employees stay alert 4. Adjust room temperatures 5. Train employees on the hazards found when working too many hours Source: PropertyCasualty360.com

Those working longer hours tend to be 2.3 times more likely to have a car crash, and they’re 5.9 times more likely to have a near miss.

Matt Zender is Senior Vice President and Workers’ Compensation Product Manager for AmTrust Financial Services. He has some good suggestions if you’re one of those working 55 hours or more a week.

HELP YOURSELF BY: 1. Try to get 7 to 9 hours of uninterrupted sleep a night 2. Get a daily sleep schedule where you go to sleep and wake up at the same time 3. Have a comfortable, quiet sleep environment, something cool and dark 4. Get more exercise 5. Eat well Zender also says if you’re one of those working longer and longer hours, you need to take some action to protect yourself.

April 2022 | Main Street Industry News | www.pianeia.com | 13

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TOP STORIES

TOP 25 P&C INSURERS OF 2021 NAIC REPORT The National Association of Insurance Commissioners (NAIC) has released its final report on the nation’s top 25 propertycasualty insurers. Along with the list came a lot of income information and other results.

To date 96% of the nation’s insurers have reported last year’s data to the NAIC. These are the lines covered in the report: personal auto, commercial auto, workers’ compensation, medical professional liability, homeowners, and other liability (but not auto liability) insurance. Here are some results: In 2021 the P&C industry wrote $791 billion in direct written premiums Direct premiums earned hit $761 billion Most written premiums — 31% — were in passenger auto lines

TOP 25 INSURERS

ACCORDING TO THE NAIC 1. State Farm Direct premiums written in 2021: $70.3 billion Direct premiums earned in 2021: $67.8 billion Market share: 8.88% 2. Berkshire Hathaway Direct premiums written in 2021: $51.6 billion Direct premiums earned in 2021: $50.07 billion Market share: 6.52% 3. Progressive Direct premiums written in 2021: $47.7 billion Direct premiums earned in 2021: $45.6 billion Market share: 6.03% 4. Allstate Direct premiums written in 2021: $41.3 billion Direct premiums earned in 2021: $40.07 billion Market share: 5.23% 5. Liberty Mutual Direct premiums written in 2021: $39.02 billion Direct premiums earned in 2021: $37.5 billion Market share: 4.93% 6. Travelers Direct premiums written in 2021: $30.9 billion Direct premiums earned in 2021: $28.8 billion Market share: 3.91% 7. Chubb Direct premiums written in 2021: $26.9 billion Direct premiums earned in 2021: $26.1 billion Market share: 3.41% 8. USAA Direct premiums written in 2021: $26.9 billion Direct premiums earned in 2021: $26.1 billion Market share: 3.41%

April 2022 | Main Street Industry News | www.pianeia.com | 16

TOP STORIES

9. Farmers Direct premiums written in 2021: $25 billion Direct premiums earned in 2021: $24.4 billion Market share: 3.16%

18. Fairfax Financial Direct premiums written in 2021: $9.5 billion Direct premiums earned in 2021: $8.6 billion Market share: 1.21%

10. Nationwide Direct premiums written in 2021: $19.4 billion Direct premiums earned in 2021: $18.9 billion Market share: 2.46%

19. Assurant Direct premiums written in 2021: $8.9 billion Direct premiums earned in 2021: $8.6 billion Market share: 1.13%

11. Zurich Direct premiums written in 2021: $15.01 billion Direct premiums earned in 2021: $14.5 billion Market share: 1.90%

20. WR Berkley Corp.

Direct premiums written in 2021: $8.2 billion Direct premiums earned in 2021: $7.6 billion Market share: 1.04%

12. AIG Direct premiums written in 2021: $14.6 billion Direct premiums earned in 2021: $14.1 billion Market share: 1.86%

21. Erie Insurance Direct premiums written in 2021: $7.8 billion Direct premiums earned in 2021: $7.2 billion Market share: 0.99%

13. The Hartford Direct premiums written in 2021: $13.5 billion Direct premiums earned in 2021: $13.08 billion Market share: 1.71%

22. AXA Direct premiums written in 2021: $7.7 billion Direct premiums earned in 2021: $7.3 billion Market share: 0.98%

14. CNA Direct premiums written in 2021: $12.5 billion Direct premiums earned in 2021: $12.02 billion Market share: 1.59% 15. American Family Direct premiums written in 2021: $12.5 billion Direct premiums earned in 2021: $12.04 billion Market share: 1.59% 16. Tokio Marine Holdings Direct premiums written in 2021: $10.1 billion Direct premiums earned in 2021: $9.6 billion Market share: 1.28% 17. Auto-Owners Direct premiums written in 2021: $9.9 billion Direct premiums earned in 2021: $9.6 billion Market share: 1.25%

23. American Financial Direct premiums written in 2021: $7.5 billion Direct premiums earned in 2021: $7.3 billion Market share: 0.94% 24. Markel CorpDirect premiums written in 2021: $7.4 billion Direct premiums earned in 2021: $6.8 billion Market share: 0.94% 25. SOMPO Direct premiums written in 2021: $6.5 billion Direct premiums earned in 2021: $6.03 billion Market share: 0.83%

Source: PropertyCasualty360.com

April 2022 | Main Street Industry News | www.pianeia.com | 17

TOP STORIES

WOMEN & INSURANCE AGENCY OWNERSHIP Just 31% are Owners

The report is titled The State of Women in Independent Insurance Agencies. It was authored by Liberty Mutual and Safeco and checked in with 374 agencies. It found that close to 60% of the people employed in insurance agencies are women.

On the positive side, many who replied to the survey said they’ve seen a lot of changes in the industry in recent years. Of the women who replied to the survey, 70% say their efforts are being better recognized by leadership. Just 30% don’t see it that way.

However, just 31% are owners and principals.

On the negative side, that 70% say they’ve had to work harder for that recognition than their male peers.

The two insurers also noted that women who are agents earn about 67 cents for every dollar a man earns. That gap — the report notes — is even greater for women of color.

Some women interviewed by the two companies noted men begin their careers in sales but women have to work up to that position in support roles.

Another positive is 80% of respondents saying insurance provides them with a great amount of flexibility and gives them the life and work balance they seek. That flexibility is one of the reasons many women who were surveyed will recommend insurance as a career.

Source: Digital Insurance

April 2022 | Main Street Industry News | www.pianeia.com | 20

TOP STORIES

INSURANCE RATES: Things are shifting After several years of renewal increases in most lines of insurance, four lines — commercial auto, general liability, commercial property and umbrella — saw declines in renewal rates last month.

Work comp continues to lose ground but the decrease is an increase over the drop in January. The renewal rates for workers’ compensation fell 0.95% in February which is down from the 1.26% drop the month before.

That news comes from Ivans Insurance Services.

A different report shows a different picture at the end of last year. Willis Towers Watson said, on average, commercial insurance prices rose over 7% in the fourth quarter of 2021 when compared to 2020.

The same report notes that two lines — workers’ compensation (surprise there) and business owners’ policy — saw increases. BOP rates jumped 5.41% in February. That’s up 5.28% over January’s rates.

The largest increase was in professional liability.

Source: Business Insurance

April 2022 | Main Street Industry News | www.pianeia.com | 21

TOP STORIES

PIA NATIONAL AND ITS NEW CYBER ASSESSMENT PROGRAM The PIA wants our members to be prepared.

That’s why want to introduce you to PIA National’s Cyber Assessment Program. Data compromises by bad guy hackers grew 68% from 2020 to 2021. Sadly, some agencies think they’re too small to be a bother to hackers.

While the entire process typically takes 7-10 days, it takes very little staff time. And the time you do invest includes a consultation after the report is delivered.

If that’s what you’re thinking, then you’re wrong. You are not too small. According to a report by Accenture, 43% of cyberattacks are aimed at small businesses, but only 14% are prepared to defend themselves.

In addition to a detailed analyses of your agency’s unique cyber weaknesses, the assessment has tools to turn recommendations into action. This includes tools to help your existing IT service — if you have one — and resource information on more advanced services and tools to support in-house or outside IT services.

Most of you are small businesses and you need to make sure you are safe, and that your client and financial information is safe. That leads us back to PIA National’s new Cyber Assessment program.

The assessment also offers an analysis of your agency's vendor user agreements, agency and vendor breaches, and detailed mitigation recommendations. All of this is done in an easily understood, non-technical format.

It will give you a very useful, and very important, report on your security systems and practices.

The one-time cost is $549. While that may seem a steep price, it is a significant savings over going it alone and ending up with a very costly cyber breach.

If there are gaps, or problems with your security system, the report will show you ways to make your system secure. That information, and the plan you implement, will help you meet the goals of the Legislatures who want proof that you are prepared for a cyber attack, and that the personal information of your clients is secure.

The program was developed by longtime PIA advocate Thomas H. Wetzel & Associates. The detailed assessment is a 4-step process starting with a 15-minute call to answer your basic questions and concerns about cyber security.

You can purchase a cyber assessment policy from us and you can sell the same policy to your clients for a nice commission of 12.5%.

Here is a link to give you more information: Cyber Risk Assessment Program Sources: PIA Western Alliance Cyber Risk Assessment Program Winning@Cybersecurity Defense

April 2022 | Main Street Industry News | www.pianeia.com | 22

TOP STORIES

GOOD & NOT SO SURPRISING NEWS Consumers Prefer Buying Home and Auto Locally Duck Creek Technologies talked with people considering an auto or a homeowners policy purchase. It found — no surprise — that people prefer working locally to pick up that insurance.

Close to half looking at homeowners or business insurance want an agent from an agency, and 35% are looking for a broker. Just 35% want to buy directly from an insurer. When it comes to autos and motorcycles, 59% favor working locally with an agent or an agency. Just 28% work through a broker and — sadly — 39% prefer to go direct to an insurer.

One complaint heard very loudly by Duck Creek is how often insurers and agents, brokers, etc. do NOT communicate with them. Unless it’s filing a claim, 32% don’t hear from insurers at all. This is especially true of 35% of consumers buying homeowners insurance.

Just 11% have communication a couple of times annually and 29% only hear from their insurer at renewal time.

The good news is that 69% believe their insurer — though it doesn’t communicate with them — cares about them.

Source: PropertyCasualty360.com

April 2022 | Main Street Industry News | www.pianeia.com | 23

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TOP STORIES

WORKING REMOTELY Is it losing its luster?

Apartment List — the free service to help people find apartments — has done a study of working remotely. COVID has changed work, and where we work from, and the survey finds that working remotely is now deeply ingrained in business, our economy and our society.

The study noted that in April of 2020, a majority of us — 51% — were working from home half the time. In December of 2020 that figure fell to 44%.

A year later in April of 2021 the study’s figures show that 56% of the remote workers were working from home exclusively. That compares to 47% in December of the same year.

Though the number dropped a bit, it appears — Apartment List says — that remote work has firmly entrenched itself into the U.S. economy.

Of those working at home exclusively, Apartment List’s April of 2021 survey found 77% will be able to do so permanently. It’s what their companies want. That number grew a point to 78% in December of last year.

The survey also noted that “hybrid” arrangements are also gaining in popularity with employees and employers. The April of 2021 survey found 40% of workers expected their employers to let them work in some sort of hybrid situation.

The number expecting full time remote work fell in December of 2021 to 33% but employees expecting something of a hybrid work system rose to 45%. However, as it stood in December, 40% of the nation’s workforce were still working from home.

Apartment List’s December survey also found all generations liking the idea of working remotely.

Baby boomers like remote work the best at 62% while 54% of Generation X would like to work from home. Just over half of millennial workers want to work remotely. Generation Z is the only generation that isn’t all that excited about working from home.

The survey found just 36% of that generation found remote work extremely desirable.

Source: PropertyCasualty360.com

April 2022 | Main Street Industry News | www.pianeia.com | 26

TOP STORIES

PIA NE IA EVENTS

Events Calendar 2022 For information and to register Click Here or call (402) 392-1611.

Date

Class/Webinar

Where

April 5, 2022

Flood Insurance, FEMA, and the NFIP

NE/IA

Webinar: 8:00AM - 11:00AM

April 5, 2022

Personal & Commercial Lines Endorsements: Some Good, Some That Really Stink

NE/IA

Webinar: 12:00PM - 3:00PM

April 7, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Webinar: 8:00AM - 5:00PM

April 7, 2022

Homeowners In Real Life: Tales of Claims & Coverage

NE/IA

Webinar: 8:00AM - 11:00AM

April 12, 2022

Cyber - Evolution, Exposures, Incidents & Insurance

NE/IA

Webinar: 8:00AM - 11:00AM

April 12, 2022

Chris Amrhein’s “Adventures in Aging”: Social Security & Other Retirement Income Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

April 13, 2022

CPIA 2 ONLINE COURSE: Implement for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

April 13, 2022

An Hour with Corey: Valuation Issues with Custom Cars & Tricked-Out Trucks

NE/IA

Webinar: 1:00PM - 2:00PM

April 19, 2022

That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)

NE/IA

Webinar: 8:00AM - 11:00AM

April 19, 2022

Ethics: Essentials for the Insurance Producer

NE/IA

Webinar: 12:00PM - 3:00PM

April 2022 | Main Street Industry News | www.pianeia.com | 28

When

PIA NE IA EVENTS

April 20-21, 2022

CIC Live Webinar: Insurance Company Operations Institute

Lincoln

**Hybrid Webinar

April 20-21, 2022

CIC: Insurance Company Operations Institute

Lincoln

Marriott Couryard Haymarket

April 20, 2022

An Hour with Cathy: Three Commercial Property Insurance Problems and How to Fix Them

NE/IA

Webinar: 1:00PM - 2:00PM

April 21, 2022

"How/Where the %^* Will I Live?" Insurance Solutions for the Long-Term

NE/IA

Webinar: 12:00PM - 3:00PM

April 26, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

May 4, 2022

An Hour with Corey: Liars: How to Spot Fraud & What the Agent Can Do About It

NE/IA

Webinar: 1:00PM - 2:00PM

May 5, 2022

CISR Live Webinar: William T. Hold: Advanced Learning Seminar

Live Webinar

Live Webinar: 8:00AM - 5:00PM

May 5, 2022

Commercial Property - Direct vs. Indirect Damage

NE/IA

Webinar: 12:00PM - 3:00PM

May 10, 2022

Personal Lines Coverage Concerns: Annoying But Important

NE/IA

Webinar: 8:00AM - 11:00AM

May 10, 2022

Employment Practices Liability - A Coverage No Business Can Afford to Be Without

NE/IA

Webinar: 12:00PM - 3:00PM

May 12, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

May 12, 2022

Leadership and Liability: Insuring Executive Risk

NE/IA

Webinar: 12:00PM - 3:00PM

May 17, 2022

Lurking: Surprises In the Contractor’s CGL Policy NE/IA & Endorsements to Watch Out For

Webinar: 8:00AM - 11:00AM

May 17, 2022

Chris Amrhein’s “Adventures in Aging”: Medicare and Other Retirement Healthcare Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

May 18, 2022

An Hour with Cathy: Truly Awful CGL Endorsements

NE/IA

Webinar: 1:00PM - 2:00PM

May 18-19, 2022

CIC: Personal Lines Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

May 18-19, 2022

CIC Live Webinar: Personal Lines Institute

West Des Moines

**Hybrid Webinar

May 19, 2022

Growing Good Insurance: Using Property & Liability Endorsements to Fortify Farm Risks

NE/IA

Webinar: 8:00AM - 11:00AM

May 19, 2022

Personal Lines Clients and Their New Normal

NE/IA

Webinar: 12:00PM - 3:00PM

May 24, 2022

Certificates and Additional Insureds: What Did You Do to Deserve This?!

NE/IA

Webinar: 8:00AM - 11:00AM

May 24, 2022

The Evolution of Ethics in Insurance

NE/IA

Webinar: 12:00PM - 3:00PM

May 25, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

April 2022 | Main Street Industry News | www.pianeia.com | 29

PIA NE IA EVENTS

May 25, 2022

An Hour with Nicole: Homeowners Loss Settlement Issues

NE/IA

Webinar: 1:00PM - 2:00PM

May 26, 2022

Commercial Insurance Coverages, Court Cases & Chaos

NE/IA

Webinar: 12:00PM - 3:00PM

June 14, 2022

CISR: Personal Lines Miscellaneous

Davenport

TBA

June 14, 2022

Planting the Seed: Agent Strategies to Get and Keep Agribusiness Insureds

NE/IA

Webinar: 8:00AM - 11:00AM

June 14, 2022

That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)

NE/IA

Webinar: 12:00PM - 3:00PM

June 15, 2022

An Hour with Cathy: Additional Insured Endorsements for Contractors

NE/IA

Webinar: 1:00PM - 2:00PM

June 16, 2022

Is This Stuff For Real? Understanding & Insuring Emerging Risks

NE/IA

Webinar: 8:00AM - 11:00AM

June 21, 2022

Chris Amrhein’s “Adventures in Aging”: Social Security & Other Retirement Income Solutions

NE/IA

Webinar: 12:00PM - 3:00PM

June 22, 2022

An Hour with Nicole: Personal Umbrella Issues & Answers

NE/IA

Webinar: 1:00PM - 2:00PM

June 22-23, 2022

CIC Live Webinar: Life & Health Institute

Live Webinar

Live Webinar

June 23, 2022

Flood Insurance, FEMA, and the NFIP

NE/IA

Webinar: 8:00AM - 11:00AM

June 23, 2022

Homeowners In Real Life: Tales of Claims & Coverage

NE/IA

Webinar: 12:00PM - 3:00PM

June 28, 2022

What the Heck Happened to Life Insurance?!

NE/IA

Webinar: 8:00AM - 11:00AM

June 28, 2022

Certificates of Insurance and the Coverage Issues that Go With Them

NE/IA

Webinar: 12:00PM - 3:00PM

June 30, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

June 30, 2022

Nailed It: Understanding Insurance Requirements NE/IA in Construction Contracts

Webinar: 8:00AM - 11:00AM

July 7, 2022

CISR: Commercial Casualty 1

Des Moines, IA

TBA

July 12-13, 2022

CIC: Commercial Multiline Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

July 12-13, 2022

CIC Live Webinar: Commercial Multiline Institute

West Des Moines

**Hybrid Webinar

July 26, 2022

CISR: Insuring Personal Auto Exposures

Des Moines, IA

Des Moines

August 11, 2022

CPIA 1 ONLINE COURSE: Position for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

August 18, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 23-24, 2022

CIC Live Webinar: Commercial Casualty Institute

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 8, 2022

CPIA 2 ONLINE COURSE: Implement for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

April 2022 | Main Street Industry News | www.pianeia.com | 30

PIA NE IA EVENTS September 13-14, 2022 Ruble Live Webinar: Graduate Seminar (NE)

Omaha

**Hybrid Webinar

September 13-14, 2022 Ruble: Graduate Seminar (NE)

Omaha

Omaha Marriott Hotel Omaha, NE

September 20, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 29, 2022

CISR Live Webinar: Insuring Commercial Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 5, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

October 13, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 20-21, 2022

CIC: Commercial Property Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

October 20-21, 2022

CIC Live Webinar: Commercial Property Institute

West Des Moines

**Hybrid Webinar

October 27, 2022

CISR Live Webinar: Personal Lines Miscellaneous Live Webinar

Live Webinar: 8:00AM - 5:00PM

November 9-10, 2022

CIC Live Webinar: Insurance Company Operations Institute

Live Webinar

Live Webinar

November 15, 2022

CISR Live Webinar: Commercial Casualty 1

Live Webinar

Live Webinar: 8:00AM - 5:00PM

December 13, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 18, 2022

CISR Live Webinar: Elements of Risk Management

Live Webinar

Live Webinar: 8:00AM - 5:00PM

August 23-24, 2022

CIC Live Webinar: Commercial Casualty Institute

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 8, 2022

CPIA 2 ONLINE COURSE: Implement for Success

Live Webinar

Webinar: 8:30AM - 4:15PM

September 13-14, 2022 Ruble Live Webinar: Graduate Seminar (NE)

Omaha

**Hybrid Webinar

September 13-14, 2022 Ruble: Graduate Seminar (NE)

Omaha

Omaha Marriott Hotel Omaha, NE

September 20, 2022

CISR Live Webinar: Insuring Personal Residential Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

September 29, 2022

CISR Live Webinar: Insuring Commercial Property

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 5, 2022

CPIA 3 ONLINE COURSE: Sustain Success

Live Webinar

Webinar: 8:30AM - 4:15PM

October 13, 2022

CISR Live Webinar: Commercial Casualty 2

Live Webinar

Live Webinar: 8:00AM - 5:00PM

October 20-21, 2022

CIC: Commercial Property Institute

West Des Moines

The Rewind Hotel by Hilton - Des Moines, IA

October 20-21, 2022

CIC Live Webinar: Commercial Property Institute

West Des Moines

**Hybrid Webinar

October 27, 2022

CISR Live Webinar: Personal Lines Miscellaneous Live Webinar

Live Webinar: 8:00AM - 5:00PM

April 2022 | Main Street Industry News | www.pianeia.com | 31

PIA NE IA EVENTS

November 9-10, 2022

CIC Live Webinar: Insurance Company Operations Institute

Live Webinar

Live Webinar

November 15, 2022

CISR Live Webinar: Commercial Casualty 1

Live Webinar

Live Webinar: 8:00AM - 5:00PM

December 13, 2022

CISR Live Webinar: Agency Operations

Live Webinar

Live Webinar: 8:00AM - 5:00PM

April 2022 | Main Street Industry News | www.pianeia.com | 32

THE HARTFORD’S FLOOD PROGRAM

PIA MEMBERS - ACCESS THE TOOLS, TECHNOLOGY AND SUPPORT YOU NEED TO GROW YOUR FLOOD BUSINESS The Hartford and PIA have joined together to make it easier for PIA member agents to provide their clients with flood coverage through The Hartford. The program is available to PIA members and their policyholders in all 50 states and Puerto Rico.

HELPING YOU MARKET • On demand training • Webinars • Marketing materials and newsletter • Dedicated Flood Sales Executive • Access to Transfer Consultant – we make moving your flood business to The Hartford easy • Access to Training Consultant – we help you build flood expertise ADVANCED TECHNOLOGY FOR EASE OF DOING BUSINESS • Flood zone determinations • SEMCAT and Vertafore integrated flood quote technology • Electronic application submission • Assistance in obtaining elevation certificates • Technological upgrades due to legislative changes MEASURING YOUR SUCCESS • Claims reporting • Policy database download and maintenance • Electronic movement of premium and commission funds • Increased revenue with competitive commissions • Reports on demand • Repetitive loss review

THE PIA ADVANTAGE When you participate in PIA National’s official flood insurance program from The Hartford, you have the power of PIA behind you.

PIA’s dedicated staff is ready to help if you need assistance. And, you’ll have access to The Hartford’s Flood Insurance Marketing Support Center.

CONTACT US For more information about The Hartford’s Flood Insurance program for PIA agents, contact your local Flood Sales Executive: Michele Battis Phone: 704-972-5918 Email: Michele.Battis@thehartford.com

LEARN MORE AT PIANET.COM/HARTFORDFLOODINSURANCE.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest and Hartford Underwriters Insurance Company. Its headquarters is in Hartford, CT. All policies are written subject to the National Flood Insurance Program. Please note that this product is available in most states. Features and credits may vary by state. For simplicity, this brochure does not include all the features, exclusions and limitations of the policy. For full information, The Hartford suggests that you read your policy or consult with your independent agent. On all losses and claims, policy terms apply. All information and representations herein are as of March 2018 PLA245-1 © March 2018 The Hartford Financial Services Group, Inc. All rights reserved.

When all my carriers pulled out after a hailstorm, my PIA contacts helped me get replacements. It literally saved my agency.

Gene Galligan Insurance Agency Monroe, LA

I AM PIA. GENE GALLIGAN had all of his carriers exit the market after a catastrophic hailstorm.

He went to a PIA meeting. His fellow agents heard about his plight and spoke with a carrier rep who appointed Gene’s agency the same day. Twenty-four years later, he’s still in business.

FIND OUT WHY IT PAYS TO JOIN PIA. WHEN YOU DO, YOU’LL BE PIA, TOO!

www.iampia.com