Main Street Industry News - January 2015

INSIDE It’s Official — Or Close to it — The Hard Market is Over »7 Is Documentation Really that Important? »10 The Bad Hire – Costly but not how you think »14 Smartphones The Latest Cyber Threat »16

Cover Photo Credit: Garry Jones, Nebraska wind

January 2015 | Published Monthly

Did you know that PIA has figured out a way to make selling flood insurance easier?

PIA has entered into an exclusive partnership with Floodbroker.com which allows PIA members’ clients and prospects to learn about their flood risks and request a quote for flood insurance from their local, participating PIA member agency.

Floodbroker has automated the process of obtaining a flood insurance quote through the National Flood Insurance Program (NFIP) and makes this technology available to participating PIA member agents through their very own agency-branded, flood insurance microsites.

Agents direct their clients and prospective insureds to their Floodbroker microsite where they can learn what flood zone they are in and request a flood insurance quote. After answering a few simple questions the quote is emailed to their agent who completes the sale offline using their agency’s regular flood insurance carrier.

Even in cases where an actual quote cannot be generated online, the prospect can still submit the information they have input into the form so that their agent can get back to them and continue the flood insurance sale offline.

Learn more about this program at www.pianet.com/floodbroker.

Not a PIA member? Please consider joining the association that arms agents with the tools they need to succeed. 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 It’s Official — Or Close to it — The Hard Market is Over | 7 Richard Kerr of MarketScout was the first person to declare insurance had officially entered a hard market.

Two Viewpoints Insurance Predictions 2015 | 8 The first viewpoint is a survey from the 2015 Joint Industry Forum held in New York a few weeks ago.

Is Documentation Really that Important? | 10 For some strange reason, this is a common question among agency staff.

2014’s $50 Billion in Profits & Its Relation to Catastrophe | 12 Insurance Information Institute (I.I.I.) President Dr. Robert Hartwig has been crunching numbers for 2014.

The Workspace Critical to Job Performance | 14 We spend more time in our offices than anywhere else.

Smartphones The Latest Cyber Threat | 16 Smartphones are the newest target of cyber thieves. Actually, for the last few years it has been a problem but the problem is now growing more serious.

PIA NE IA Events Upcoming Events Calendar 2014 | 20 Advertisements Contact us to place an ad.

Cathy Klasi, Executive Director (402) 392-1611

The Bad Hire Costly but not how you think | 14 We all know hiring the wrong person can be costly. Employees — even those with insurance experience — do cost to train.

Those without an insurance background are even more expensive.

January 2015 | 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

It’s Official — Or Close to it

The Hard Market is Over Richard Kerr of MarketScout was the first person to declare insurance had officially entered a hard market. He said it happened in November of 2011. While a lot of economic experts disagreed with Kerr at the time, most of us found the statement correct.

We enjoyed the good time but here we are 37-months later and Kerr has declared the hard market over. “We are on a cusp of a soft market. Throughout 2014, the composite P&C rate slowly drifted towards renewing as expiring, and in December we finally hit that mark,” he said.

MarketScout’s analysis is fueled by pricing surveys conducted by the National Alliance for Insurance Education and Research.

Commercial rates were down on average in December by 1%. On one end employment practices liability rose 2%, and on the other commercial property and commercial auto dropped 2%.

Kerr said, “The personal insurance market has been relatively stable in 2014 with rate increases ranging from 2% to 4%. We expect continued pricing stability in 2015 absent cataclysmic events.”

Kerr thinks we’ll see an entrenched soft market early this year. But it may not be as bad as you think. “We don’t expect the aggressive pricing that occurred in the last soft market cycle; however, smart companies will be prepared for a changing rate environment.”

In December homeowners rose 3% for homes valued at up to $1 million and those over a million saw prices jump 2%. Auto is up 2% and personal articles rose 1%.

The positive in the decreases involves a positive economy and a forecast of economic growth for 2015. That means increased exposures and more insurer appetite. With that growth Kerr said independent insurance agents — such as yourselves — will “enjoy increased revenues as their insureds grow.”

• • • • • • • • • • • • • •

That said, Kerr warns insurers and others in the industry to be prepared. “If you budgeted for increases in rates in 2015, you best change that portion of your business plan now. We suggest planning for slight rate decreases beginning at the end of the first quarter and slowly increasing to a reduction of 4 to 5 percent by the end of 2015.”

Here is what MarketScout is reporting by coverage class: Commercial property — flat or zero Business interruption — flat or zero Inland marine — flat or zero Workers’ Conversation — flat or zero Fiduciary — flat or zero Crime — flat or zero Surety — flat or zero General Liability — up 1% Umbrella/excess — up 1% Commercial auto — up 1% BOP — up 1% Professional liability — up1% D&O — up 1% EPLI — up 2% n

Source links: PropertyCasualty360.com, Insurance Business America and Insurance Networking News

January 2015 | Main Street Industry News |www.pianeia.com| 7

Top Stories

Two Viewpoints

Insurance Predictions 2015 The first viewpoint is a survey from the 2015 Joint Industry Forum held in New York a few weeks ago. It was conducted by the Insurance Information Institute (I.I.I.) who polled 250 insurance executives, and other insurance movers and shakers about insurance in 2015.

The survey questions that most impact you start with profitability. None of the executives from the I.I.I. investigation expect commercial lines, workers’ compensation, personal auto or homeowners to be more profitable in 2015.

The one line all expect to grow — and it may be a new profit source for your agency or for you if you are a solo operation — is cyber insurance.

A staggering 80% of those surveyed said it will be a profit center in 2015.

Few expect premium growth to improve and a high percentage —92% — expect mergers and acquisitions to continue to increase.

The second look at 2015 comes from Keefe, Bruyette & Woods (KBW). Its analysts think operating profits for insurers will improve slightly in 2015. Speaking for the firm is Meyer Shields. He said workers’ compensation, a few casualty lines, general liability and commercial auto liability will see small increases but property lines will decline.

“There are a lot of insurance carriers and so it remains a very competitive marketplace.

Companies believe they can earn an adequate return and still price competitively, which should drag down prices,” Shields said.

Here’s the I.I.I. survey.

Do you expect an improvement in profitability in 2015 for the following lines?

Yes No Personal auto: 39% 61% Homeowners: 46% 54% Workers compensation: 44% 56% Commercial Lines: 42% 58%

As compared with 2014, do you expect the combined ratio will be higher or lower in 2015?

Higher — 74% Lower — 26%

Will premium growth in 2015 be higher, lower or flat compared to 2014?

Higher — 36% Lower — 18% Flat — 46%

Do you expect industry capacity (as measured by policyholder surplus) to increase, decrease, or remain flat in 2015?

Increase — 78% Decrease — 4% Flat — 18%

Do you think the federal government is interested in further expanding its regulatory oversight of insurers?

Yes — 72% No — 28%

January 2015 | Main Street Industry News | www.pianeia.com | 8

Top Stories

Will M&A activity among insurers/ reinsurers increase in 2015?

Yes — 92% No — 8%

Will tort trends improve, deteriorate or remain about the same in 2015?

Improve — 16% Deteriorate — 18% Same — 66%

Do you see cyber insurance as a major growth area for commercial insurers?

Yes — 80% No — 20%

Do you expect another up year in the equity markets in 2015?

Yes — 68% No — 32%

Do you expect interest rates will rise, fall or remain flat in 2015?

Rise — 40% Fall — 4% Flat — 56%

Do you think the U.S. economic growth in 2015 accelerate, decelerate or remain about the same?

Accelerate — 56% Decelerate — 6% Same — 38% n Source links: Insurance Information Institute, Risk and Insurance

January 2015 | Main Street Industry News |www.pianeia.com| 9

Top Stories

Is Documentation Really that Important?

by Curtis Pearsall, President, Pearsall Associates, Inc., and Special Consultant to the Utica National E&O Program For some strange reason, this is a common question among agency staff.

For those staffers who have never experienced an errors-and-omissions claim, possibly it is hard for them to truly and totally comprehend the value of good quality documentation.

Hopefully, the agency veterans can emphasize the significant value documentation provides related to the direction E&O claims can take.

An important element

Documentation is one of the most important elements of a quality E&O culture and commitment within an agency. However, for an agency staff member to state that he or she documented the conversation in the file may not be good enough. What does the documentation say? What story does it tell?

A number of components are essential for documentation to possess its true value.

The documentation should be performed promptly

This does not mean at the end of the work day or “when I have a minute.” Ideally, it means as soon as the conversation has concluded. For

those that can multi-task, documenting the discussion while you are having it is great as it enables you to accurately note the various items/topics being discussed.

The documentation should include details such as with whom you spoke, what was discussed, whether there are any open items and who has what responsibilities and duties moving forward.

The documentation should be professional

This may fall into the “common sense” category, but there is the possibility that the discussion was emotional in some manner. The agency staff should be careful to ensure the documentation does not reflect this emotion.

The saying “don’t put anything in the file that you wouldn’t want a jury to read” comes to mind. For example, the following statements recovered from actual files did not help the agency’s defense: “I’m sorry I could not get back to you sooner” and “I’ve been too busy.”

The documentation should tell a story

If the customer calls back and the initial staff member is not available, the staffer helping the customer will be able to read the documentation, know exactly what was discussed and determine what any “next steps” are.

At times, the file should reflect some form of written communication (e-mail, letter, etc.) that

January 2015 | Main Street Industry News | www.pianeia.com | 10

Top Stories memorializes the conversation. When a person documents a conversation, he or she is, in essence, documenting his or her version of it.

Is it possible there was a misunderstanding or that the customer didn’t provide the information he or she thought?

This does happen, so documenting the details of the conversation back to the customer is a solid E&O loss prevention tool. The goal is to make the customer accountable for his or her insurance decisions.

Documentation is key

If agencies followed these straightforward concepts, there would be fewer E&O claims and a greater percentage of E&O claims that did develop would be closed for “no pay.”

Unfortunately, this does not always occur and, invariably, the most important document in the E&O matter is the one that is not in the file. It involves those declinations/deletions of coverage and explanations or answers to various insurance-related questions.

It is amazing how at the time of an E&O claim, one of the parties (typically the insurance professional) will be adamant that he or she had a conversation with the customer and can almost recite “chapter and verse” details of that conversation. Ironically, the other party (the customer) will have a totally version of that conversation or may actually allege that he or she does not even remember the discussion ever happening. Therefore, is it to be assumed that this will happen and that everyone will have a different story? Perhaps. This in itself shows the value of good quality documentation.

Imagine an E&O claim has occurred and you are asked to produce various documents as is typically the case. As the agency producer/ CSR on the file, you produce records of detailed conversations with the customer.

Let’s presume that your customer, who will be asked to produce his or her various documents, has nothing. Who do you think will have more

credibility in the eyes of the court? Showing a solid track record of providing consistent quality documentation will certainly enhance your credibility.

Now take the opposing perspective. You as the agency staff member comment that you remember explicitly the exact conversations you had with your customer. However, when you are asked to produce details of those conversations, you have nothing. A common phrase used by attorneys in E&O matters is “If it’s not in the file, it didn’t happen.” Your memory of those conversations will not carry the same weight as the necessary detailed documentation.

There have been a significant number of E&O claims where good quality documentation heavily determined the direction of the claim.

In fact, many E&O carriers state year after year that they are closing 2 out of every 3 E&O claims for no payment. That is an impressive statistic which speaks to the quality of the defense counsel, the agencies the carrier insures and the agencies’ strong commitment to solid E&O loss prevention.

Unfortunately, there have been a significant number of E&O claims where the lack of quality documentation resulted in the agency being responsible for the damages when it probably should not have been. There were cases where the CSR stated that he or she was “just too busy” to do the proper job of documentation.

Imagine being on a jury and hearing that!

Clearly, good quality documentation is the key.

As Aristotle once stated, “Excellence is an art won by training and habituation. We are what we repeatedly do. Excellence, then, is not an act but a habit.”

Sounds like a pretty smart man. n

Top Stories

2014’s $50 Billion in Profits & Its Relation to Catastrophe Insurance Information Institute (I.I.I.) President Dr. Robert Hartwig has been crunching numbers for 2014. He believes when the counting is done profits — that’s net income after taxes — will be $50.3 billion.

He pointed to the relationship of catastrophe to profits and return on investment:

It’s the second best insurance has done since the recession hit in 2008. The 2013 figure of $63.8 billion is best.

• In 2012 Superstorm Sandy saw the ROE

take a hit and end up at 6.2%

• In 2011 tornadoes that came in bunches

gave the industry a 4.7% ROE.

Hartwig made his prognostication at a natural catastrophe media event hosted by the I.I.I. and Munich Re. And with that, Hartwig said fewer catastrophes is a good place to start for the profit figure. “Catastrophe losses or the lack thereof are defining events in determining the profitability of the industry.”

• In 2013 fewer catastrophes saw a 9.8%

ROE. And then Hartwig predicted a 7.7% ROE, and a record surplus hitting somewhere around $675 billion. The investment income part of the $50.3 billion is going to be around $45.7 billion. That’s down from $47.4 billion in 2013.

Munich Re’s NatCatSERVICE puts U.S. catastrophe losses at $15.3 billion for last year. Company spokesman Carl Hedde said 80% of that is from severe thunderstorms. Here are the cat losses:

Catastrophe Severe Thunderstorms Winter Storm Other

Total

2014 Events

2014 Losses

2013 Events

2013 Losses

62 13 44

$12.3 billion $2.3 billion $700 million

69 11 48

$10.3 billion $1.9 billion $625 million

119

$15.3 billion

128

$12.8 billion

January 2015 | Main Street Industry News | www.pianeia.com | 12

Top Stories

Here are other catastrophe stats presented at the media event: • The tornado season in 2014 was late but the $12.3 billion in losses is the fourth

• Ironically, between 1983 and 2013, the most expensive catastrophes have been

highest on record.

earthquakes.

• The Eastern U.S. had the coldest winter in a decade and damages topped $2.3 billion.

• The 7,700 fatalities worldwide paled in comparison to the 21,000 in 2013.

• The 980 natural catastrophe events is the highest total in a decade.

• It is also way below average for the past 10-years of 97,000 and for the 56,000 average for the last 30. n

• The most expensive earthquake in 2014 was the Napa quake.

Source link: Carrier Management

January 2015 | Main Street Industry News |www.pianeia.com| 13

Top Stories

The Bad Hire

Costly but not how you think We all know hiring the wrong person can be costly. Employees — even those with insurance experience — do cost to train. Those without an insurance background are even more expensive.

So when one is a bust it’s costly from that standpoint, and if they’ve alienated a client, or two, or three, that adds up, too.

A study by Robert Half says — yes, those costs are important — they aren’t the biggest cost to a company. In fact, the study of CFOs asked to comment on the problem said financial cost isn’t at the top of their list and isn’t the biggest risk of a new hire.

What’s impressive about financial not being at the top, is a bad hire ending up costing 30% of that person’s annual salary. We know 30% of low to high five-figures or even six is a lot.

No. Robert Half’s Greg Schileppi said the biggest cost is morale. At 41% that tops the list. Loss of productivity is second at 34%. “Hiring a bad fit or someone who lacks the skills needed to perform well has the potential to leave good employees with the burden of damage control, whether it be extra work or re-doing work that wasn’t completed correctly the first time. The added pressure on top performers could put employers at risk of losing them, too,” he said.

Oh. We almost forgot. The aforementioned financial losses came in third — and a distant one at that — at 19%. n Source link: Insurance Business America

The Workspace

Critical to Job Performance We spend more time in our offices than anywhere else. Or at least most of us do. And in the insurance biz that’s very true of most employees and employers. That makes our workspace a priority.

Most of us do put at least some personal touches on our workspace.

In some cases those personal touches just don’t happen. Or can’t in the case of larger — and often smaller — firms where cubicles and cramped working conditions rule.

Drab, stuffy workspaces can dampen employee enthusiasm and keep a positive employment experience from happening.

That can — in many cases — cost companies money in productivity and in terrific employees who can’t stand the environment and go elsewhere.

So what to do? Managers. Owners.

CEOs. Pay attention. Office design expert Kevin Ackerman of Portland, Oregon — via a Staples.com article — says there are things you can do — and they’re not that expensive — to spruce up those workspaces.

January 2015 | Main Street Industry News | www.pianeia.com | 14

Top Stories

Here are some ideas: Color A splash of paint is critical and this is especially true if your company has walk in clients. Brighten the place up a bit. Color says you’re fun and color is welcoming.

Let employees make their desks more personal We all work differently. A desk organization system that works for one, may not work for another. This not only applies to color but to the personality of the worker. Let

them show off hobbies and interests. Or do some Zen things like Bonsai trees.

Desks and seating Traditional chairs and seating and desks and tables don’t work for everyone. Standing desks where the employee has the option of sitting or standing is a nice touch. So are beanbag chairs and other ergonomic features.

or brainstorming sessions.

Those spaces need creative work, too. Or there are places where employees gather. This is the proverbial water cooler.

Give these spots color and personality as well.

Ackerman also says companies benefit when clutter is cleaned up. A clean, modern workspace, he notes, will inspire collaboration and improve performance. n

Creative thought Most companies have meetings on various topics

Source link: staples.com Photo Credit: Color Trends

January 2015 | Main Street Industry News |www.pianeia.com| 15

Top Stories Today the 2012 figures are no doubt higher.

Two more important statistics. One, 81% of us use our phones for text messaging. And two, 60% of us access the Internet with them.

Smartphones

The Latest Cyber Threat Smartphones are the newest target of cyber thieves. Actually, for the last few years it has been a problem but the problem is now growing more serious. And when you think about it, check around anywhere people gather — restaurants, lounges, theaters, bus stops, medical facilities, shopping malls, grocery stores, and even insurance agencies and companies — and look at how many are on their phones.

A lot of them. And they’re on them a lot.

Pew Research finds 90% of us have a cell phone and 58% of us possess a smartphone.

We are major league addicted to them. A lot of us — over 44% in 2012 — won’t shut them off to go to bed. We don’t want to miss anything.

In 2012 a whopping 29% of us said we can’t live without them.

Here’s what you need to know. Cyber thieves knows this and that leaves you vulnerable to malware, chargeware and adware.

• Malware plants viruses, worms, Trojan horses, ransomeware and spyware onto our phones.

• Chargeware corrupts your phone and manipulates you into purchasing programs or services without really letting you know this is what you’re doing.

• Adware interferes with the use of your phone and can — if you’re not aware — collect personal data that you don’t know you’re giving.

The 2014 Mobile Threat Report says these are programs you need to watch out for: NotCompatible: This was the top Trojan threat of last year. It puts a mobile bot on your phone that does the planter’s bidding. It can be used by a hacker to purchase items through your phone.

ScarePackage, ScareMeNot, ColdBrother: ScarePackage pretends to be an Adobe flash update and once set up pretends to be the FBI and that — as the FBI — it found illicit content on the phone. To avoid criminal prosecution the fake FBI sends a message that you have to pay to regain control of your phone and to avoid prosecution. ScareMeNot and ColdBrother are similar.

Koler: This one pretends to be a media app and snags control of your phone and you must pay a ransom to get control back.

January 2015 | Main Street Industry News | www.pianeia.com | 16

Top Stories Experts say the best way to protect yourself from these programs — programs that rely on malware placed inside mobile applications — is to purchase mobile applications from a legitimate application store.

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Applications asking for an inordinate amount of personal data should be avoided.

By the way, the mobile security firm Lookout — who is the source of most of the advice in this story — says Android phones and devices are impacted more than Apple’s iPhone and iPads. Androids and similar devices can download apps from more sources than an iPhone or iPad. And Apple does a better job of making sure products are safe via its application store than the Android sources. n

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PIA NE IA Events

Upcoming

Events Calendar 2014-2015 For information and to register Click Here or call (402) 392-1611.

January 14, 2015

Contractors: Insuring the Property Exposures

NE/IA

Webinar: 12:00PM - 3:00PM

January 15, 2015

E&O and the Legal & Ethical Duties of Agents/Brokers

NE

Webinar: 8:00AM - 11:00AM

January 20, 2015

Life Insurance Concepts for the Property & Casualty Agent

NE/IA

Webinar: 8:00AM - 11:00AM

January 21, 2015

Social Networking: OMG or E&O?

NE/IA

Webinar: 12:00PM - 3:00PM

January 26, 2015

Ethics for Insurance Professionals - B

NE/IA

Webinar: 12:00PM - 3:00PM

January 27, 2015

CYBERTECH- Recognizing and Insuring Electronic Risk

NE/IA

Webinar: 12:00PM - 3:00PM

January 28, 2015

Patches for the Imperfect Policy - Home, Work & Auto Edition

IA

Webinar: 12:00PM - 3:00PM

January 28, 2015

2015 Legislative Luncheon

Lincoln

Governor's Mansion NE

February 5, 2015

CISR: Insuring Commercial Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

February 9, 2015

National Health Care Reform

NE/IA

Webinar: 12:00PM - 3:00PM

February 10, 2015

CPSR: Commercial Property

York

Holthus Convention Center

February 17, 2015

CYBERTECH- Recognizing and Insuring Electronic Risk

NE/IA

Webinar: 8:00AM - 11:00AM

February 18, 2015

BIP(idy), BOP(idy), Boo(ze): Turning 3 Mundane Coverages into Magic

NE/IA

Webinar: 8:00AM - 11:00AM

February 19, 2015

Seven Ways to get Sued and How to Avoid Them

NE

Webinar: 12:00PM - 3:00PM

January 2015 | Main Street Industry News | www.pianeia.com | 20

PIA NE IA Events

CISR: Commercial Casualty 1

February 19, 2015

Contractors: Insuring the Liability Exposures NE/IA

Webinar: 8:00AM - 11:00AM

February 24, 2015

Ethics for Insurance Professionals - B

NE/IA

Webinar: 12:00PM - 3:00PM

February 24, 2015

Business Income - How Much is Enough?

NE/IA

Webinar: 8:00AM - 10:00AM

February 25, 2015

It's Personal: Home and Auto Exposures your Insured Won't Tell You

NE/IA

Webinar: 12:00PM - 3:00PM

February 25-27, 2015

CIC: Commercial Property Institute

West Des Moines

Holiday Inn Hotel & Suites

March 5, 2015

CISR: Commercial Casualty 2

Cedar Rapids

Kirkwood Continuing Education Training Center

March 11, 2015

CPIA 1: Position for Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

March 12, 2015

CISR: Dynamics of Service

Des Moines

Hilton Garden Inn Des Moines/Urbandale

March 25-27, 2015

CIC: Personal Lines Institute

Omaha

Hilton Garden InnOmaha

April 8, 2015

CPIA 1: Position for Success

Omaha

Hilton Garden InnOmaha

April 14, 2015

CISR: Personal Lines Miscellaneous

Cedar Rapids

Kirkwood Continuing Education Training Center

April 15-17, 2015

CIC: Personal Lines Institute

Cedar Rapids

Cedar Rapids Marriott

April 22, 2015

CISR: Commercial Casualty 1

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

May 6-8, 2015

CIC: Commercial Casualty Institute

Lincoln

Marriott Courtyard

May 12, 2015

CPSR: Personal Auto

Kearney

Holiday Inn Express

May 14, 2015

CISR: Insuring Personal Auto Exposures

Davenport

Saint Ambrose University

May 20, 2015

CISR: Commercial Casualty 2

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

CISR: Agency Operations

Cedar Rapids

Kirkwood Continuing Education Training Center

May 28, 2015

Davenport

Saint Ambrose University

February 19, 2015

January 2015 | Main Street Industry News |www.pianeia.com| 21

PIA NE IA Events

June 9, 2015

CISR: William T. Hold: Advanced Learning Seminar

Des Moines

Hilton Garden Inn Des Moines/Urbandale

June 10-12, 2015

CIC: Commercial Casualty Institute

West Des Moines

Holiday Inn Hotel & Suites

June 18, 2015

CISR: Insuring Personal Residential Property

Cedar Rapids

Kirkwood Continuing Education Training Center

July 9, 2015

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

July 15-17, 2015

CIC: Life & Health Institute

Omaha

Hilton Garden InnOmaha

July 21, 2015

CPIA 2: Implement for Success

Omaha

Hilton Garden InnOmaha

July 22, 2015

CPIA 2: Implement for Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

July 23, 2015

CISR: Insuring Personal Auto Exposures

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

August 4, 2015

CPSR: Systems, Operations & Procedures

Columbus

Dusters

August 6, 2015

CISR: William T. Hold: Advanced Learning Seminar

Cedar Rapids

Kirkwood Continuing Education Training Center

August 11-12, 2015

Ruble: Graduate Seminar (NE)

La Vista

Embassy Suites Omaha - La Vista

August 19, 2015

CISR: Agency Operations

Des Moines

Hilton Garden Inn Des Moines/Urbandale

August 26-28, 2015

CIC: Life & Health Institute

Cedar Rapids

Cedar Rapids Marriott

September 2, 2015

CISR: Insuring Personal Residential Property Davenport

September 17, 2015

CISR: Agency Operations

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

September 22, 2015

CPIA 3: Sustain Success

Lincoln

Marriott Courtyard

September 23-25, 2015 CIC: Agency Management Institute

Lincoln

Marriott Courtyard

October 7, 2015

CISR: Insuring Commercial Property

Cedar Rapids

Kirkwood Continuing Education Training Center

October 13, 2015

CPIA 3: Sustain Success

Des Moines

Hilton Garden Inn Des Moines/Urbandale

January 2015 | Main Street Industry News | www.pianeia.com | 22

Saint Ambrose University

PIA NE IA Events

October 14-16, 2015

CIC: Agency Management Institute

West Des Moines

Holiday Inn Hotel & Suites

October 15, 2015

CISR: Personal Lines Miscellaneous

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 20, 2015

CPSR: Residential Property

Pierce

Town & Country Insurance

November 5, 2015

CISR: Agency Operations

Davenport

Saint Ambrose University

November 11-13, 2015

CIC: Commercial Property Institute

La Vista

Embassy Suites Omaha - La Vista

November 16-17, 2015

Ruble: Graduate Seminar (IA)

West Des Moines

Holiday Inn Hotel & Suites

November 18, 2015

CISR: Insuring Personal Residential Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

November 18, 2015

CISR: Insuring Personal Residential Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

402.392.1611 www.PIANEIA.com January 2015 | Main Street Industry News |www.pianeia.com| 23

You Can’t Always Prevent An Accident...

But You Can Prepare For One With The PIA Trust

Accidental Death and Dismemberment Insurance Plan AD&D COVERAGE DESIGNED WITH LOCAL AGENTS IN MIND As a PIA Member* serving Main Street America, you and your employees** have access to a high-quality, competitively priced AD&D plan through the PIA Services Group Insurance Fund.

Accidents can occur anytime, anywhere. With the PIA Trust Accidental Death & Dismemberment Insurance Plan, you and your qualified dependents can be covered in case of an accident 24 hours a day, anywhere in the world -- at home, at work, or on vacation.

For more information about the PIA Trust Accidental Death & Dismemberment Insurance Plan, please contact your local PIA Affiliate or call the Plan Administrator at (800) 336-4759.

PIA SERVICES GROUP INSURANCE FUND

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

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 ADD-6001-A (UIC).

Insurance Program Administered by Lockton Risk Services.