Main Street Industry News - January 2016

INSIDE The Annual I.I.I. P&C Exec Poll » 7 Ouch: Economic struggles Insurers Feeling the Pinch » 11 Road Rage A Growing Social Problem » 14 Conference Call Behavior Women Trump Men » 19

Cover Photo Credit: Shelby Bell ‘The Passageway” - Old Market - Omaha, NE

January 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 The Annual I.I.I. P&C Exec Poll | 7 Every year the Insurance Information Institute does a poll at its Annual Property/Casualty Insurance Joint Industry Forum.

The Workplace 2016 | 8 Deloitte’s Workplace Pulse was released in early December. It takes a revealing metaphorical photograph of today’s workplace and workplace attitudes of the employee about their own and their employer’s perspective.

Ouch: Economic struggles — Insurers Feeling the Pinch | 9 Every year the R street Institute rates the individual state insurance regulators on how they regulate property and casualty insurance.

ObamaCare — Wrapping Up 2015 | 10 We’re now in year three of the implementation of the Affordable Care Act — or as most of us identify it — ObamaCare.

aggressive driving problem. It’s a report on a problem that bears sharing.

Now What?

Police Stop Taking Accident Reports | 17 You get in a car wreck. First thought. Get a cop. When you decide you don’t need one, you exchange information with the other or others involved and file a police report. That happens about the same time you inform your insurance agent and start the process of healing.

Conference Call Behavior — Women Trump Men | 19 Conference calls. More and more they’re replacing actual face-to-face meetings. Some are visual, others only vocal. And don’t we just love ‘em. In a way, they’re more convenient. We don’t have to pack up and travel somewhere.

That said, since we don’t have to pack up and travel, our supervisors are having more of them.

ObamaCare Insureds & Insurers — No One is Happy | 12 The Affordable Care Act was “supposed” to get health care costs under control. But as we all know, they continue to rise from the cost of actual care to insurance rates to everything in between.

Upcoming Events Calendar 2016 | 25

Road Rage — A Growing Social Problem | 14 A couple of months ago PropertyCasualty360. com did a break down of the nation’s growing

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PIA NE IA Events

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Top Stories

The Annual I.I.I. P&C Exec Poll

Every year the Insurance Information Institute does a poll at its Annual Property/Casualty Insurance Joint Industry Forum. It’s always a fascinating thought photo and is packed with predictions for the year.

This is the 20th time the I.I.I. has done the forum and the poll.

The bottom-line: executives think 2016 will be a profitable year but don’t see much increase in profits for most lines year-over-year. The one line of growth: • Cyber insurance and 76% say cyber insurance will be a growth leader.

Here’s a look at more of the survey results: • 68% say workers’ compensation will not improve in 2016.

• 44% say it will improve.

• 61% say auto, homeowners and commercial lines will not see increased profitability.

Here’s more and by topic: • Regulation — 87% think we’ll see another push to expand federal regulation.

• The economy — 79% think it’ll remain the same and 16% see improvement.

On the economy, I.I.I. Senior V.P. Dr. Steven Weisberg said, “The U.S. economy appears to be growing slowly but steadily, which translates into more economic activity and the addition of capacity. Personal and commercial insurance will also grow as a result, assuming none of the many potential adverse economic shocks develop. As the economy inches closer to full employment, we may begin to see wage increases that outpace inflation for the first

time in nearly a decade, primarily affecting the workers compensation line.”

Weisbart also sees interest rates — which have been abnormally low for an equally abnormal amount of time — will return to normal. But that will happen gradually and won’t reach “normal” until 2018.

More results: • 53% see premium growth at the same rate as 2015.

• Just 29% see it growing faster.

• 18% say we’ll see slower growth in premiums.

• 61% see surplus — based on policyholders’ surplus — to increase.

• 21% say it’ll stay flat.

• 18% see the surplus decreasing.

• 74% see a higher combined ratio.

• 55% expect an increase in mergers and acquisitions.

Last and on politics: • 55% expect to see a Democrat win the election and occupy the White House.

Click here to see the poll questions and the full results. n Source link: Insurance Information Institute

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

Top Stories

The Workplace 2016

Deloitte’s Workplace Pulse was released in early December. It takes a revealing metaphorical photograph of today’s workplace and workplace attitudes of the employee about their own and their employer’s perspective.

The bottom-line — and Deloitte’s conclusion — is employers can do more to foster a culture of well-being in the work place since just about half of us think our employers value our life outside of work and a third of us still value our work life more than our family life.

How bad is the last statistic? A third of us — 33.3% — say we are not comfortable taking time off or vacations.

All of this — Deloitte concludes — starts with the tone at the top. Very few of us — just 8% — say the company CEO or manager or owner has a big impact on how happy we are at work, 44% say if we heard more about how

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

Top Stories this person manages their own well-being, it would have a positive impact on how we view the workplace.

Another important factoid Close to 40% say they’d feel more comfortable putting their personal life and commitments ahead of work obligations if they saw their direct supervisor or other senior leadership doing the same thing.

Mike Preston who is Deloitte’s Chief Talent Officer said, “These findings should serve as a wake up call to organizations looking to retain and attract talent. Organizations are investing in more and more benefits and perks associated with well-being, like flexible work options and unlimited vacation days, aimed at winning the war for talent. But our survey shows businesses can do more to create a culture of well-being, which goes beyond offering generous programs and focuses on everyday behaviors.”

A couple of other findings: • 59% say coworkers have the biggest impact on their workplace happiness.

• 31% say direct managers or supervisors have the most impact their work happiness.

• Just 16% think the CEO is transparent on a professional level.

• Just 10% think the CEO is transparent on a personal level. n Source link: Carrier Management

Ouch!

Economic Struggles – Insurers Feeling the Pinch Costly but Not How You Think Three major insurers are reporting difficult times. Travelers Cos. — the only P&C insurer found on the Dow Jones Industrial Average — said fourth quarter profits fell 17%. Declining investment income on low bond yields and the value of its energyrelated holdings are the reason.

Comparing fourth quarter of 2014 to the fourth quarter in 2015, net income fell to $866 million from $1.04 billion. That’s $2.83 per share in the fourth quarter of last year when it was $3.11 the year before.

Return on equity in quarter four of 2015 is 14.5%. It was 16.6% in the same quarter of 2014. Net income fell 6.9% to $3.44 billion.

Zurich took a big hit as well. Operating losses in its non-life unit are estimated to be $100 million for the fourth quarter. Three big storms in the British Aisles cost the company $275 million in claims.

Also hurting was the restructuring of its General Insurance unit.

UnitedHealth Group is the largest health insurance in the country. It took a huge financial hit in 2015 in its individual market health plans. The loss is estimated at $720 million. That’s up $300 million from the original estimate of $425 million a few months ago.

Participation in the ObamaCare exchanges is getting the blame. n Source links: Insurance Business America, PropertyCasualty360.com, Carrier Management

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

Top Stories

ObamaCare

Wrapping Up 2015 We’re now in year three of the implementation of the Affordable Care Act — or as most of us identify it — ObamaCare. The Obama administration says 8.5 million people picked up or renewed their health insurance via HealthCare.gov so far. Sources in the administration say by the end of 2016 there will be about 9.9 million people enrolled and it will end up being a 29% increase over 2015.

Around 71% of those signing up renewed a plan. Healthcare.gov takes care of 38 states.

No word on how well the Affordable Care Act did in the states with their own exchanges.

That leaves about 10.5 million eligible to purchase coverage — at least so far — declining to sign up. And it’s that 10.5 million refusing to purchase coverage that have health insurance companies concerned and pondering putting an end to their experience with the government’s health insurance plan.

Another problem — a huge percentage of those signing up are ill already and have pre-existing conditions and that’s driving up insurer payouts. The theory behind the Affordable Care Act is that the healthiest among us will help subsidize insurance for those with health care problems.

Here’s another angle. The Kaiser Family Foundation did a study and found more than seven million people eligible for coverage in the exchanges and who would get government subsidies to purchase insurance would pay less if they decided to go the non-purchase penalty route instead.

That’s Kaiser’s study’s point of view and one that Department of Health and Human Services spokesman Ben Wakana finds disturbing.

Having health insurance — he contends — should not be viewed as an expense but, instead, as a necessity.

“We understand some people may be thinking through their choice of coverage, but going without health insurance is a serious gamble that can be catastrophic if wrong,” he said.

Here’s an example as to why these people may not be signing up. A holdout comparing the cost of insurance to the penalty looks at insurance premiums and doctor, hospital, lab costs and prescription costs and finds premiums hitting $10,000 a year or more. The penalty for not buying insurance is $695 per adult or 2.5% of household income.

It’s — for someone not wanting the expense — a no brainer.

And that’s with the penalty more than doubling from 2015’s penalty of $325 and 2% of household income. Kaiser said the average penalty will be $661 in 2015 and for 2016 it’ll average will be $969. That’s a lot lower — in some cases — than a monthly health insurance premium.

Meanwhile, Republicans who’ve promised to repeal ObamaCare and a large percentage of Democrats — including House Speaker Nancy Pelosi and Senate Minority Leader Harry Reid — lined up against the Cadillac Tax and included a two-year suspension of that tax and two other ObamaCare taxes in the omnibus bill (the federal government spending package) passed just before the congressional

January 2016| Main Street Industry News | www.pianeia.com | 10

Top Stories holiday vacation. It’s the 40% tax on premium health insurance plans that was to go into effect in 2018.

President Obama and proponents of the tax say it’s needed to pay for the law. The President promised a veto but couldn’t because of how it was tied to the spending package needed to keep the government afloat.

It was pressure from groups like PIA National and unions — most of which supported the passage of the Patient Protection and Affordable Care Act — the U.S. Chamber of Commerce, the National Federation of Independent Businesses (NFIB) and others that got the delay put in place.

So the Cadillac Tax won’t go into effect now until 2020. Two other ObamaCare taxes are tied to the omnibus bill are the 2.3% sales tax on medical devices and a fee for health insurers. All three will cost the program $257 billion by 2025.

And if ObamaCare survives that money will need to be replaced.

PIA National Vice President of Government Relations Jon Gentile said PIA will continue to push for permanent repeal of the Cadillac Tax. “The 40 percent excise tax on what was incorrectly termed ‘overly generous’ health plans in reality would impact moderate-benefit plans that middle class Americans rely on, as well as the employer-sponsored health insurance market. We applaud this delay in the Cadillac Tax and view it as a prelude to its full repeal,” Gentile said.

Full repeal — says PIA National Executive Vice President & CEO Mike Becker — is critical because the Cadillac Tax is a ticking time bomb. “Initially, it was set to explode in 2018.

Now, it has been re-set to go off in 2020. PIA will continue to work to disarm it completely, because it has the potential to create more market disruption than we’ve seen since the inception of the ACA.” n Source links: PIA National, MSN & Insurance Journal, The Hill, Insurance Business America

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

Top Stories

ObamaCare

Insureds & Insurers

No one is happy.

Levitt said, “Public opinion of both industries is relatively low right now. But, people generally have a conflicted view of drug companies.

People are worried about high drug prices, but they also recognize that pharmaceutical companies make products that keep people healthy and in some cases save their lives.

So, people are possibly more likely to blame insurers for rising health costs,” he said.

It doesn’t help that a lot of people continue to struggle with health care payments in spite of ObamaCare. Or so says a Kaiser-New York Times poll: • 20% of those with health insurance report trouble with paying their health care bills.

• That same 20% say the cause is changes in employment, lifestyle and financial challenges.

The Affordable Care Act was “supposed” to get health care costs under control. But as we all know, they continue to rise from the cost of actual care to insurance rates to everything in between.

It doesn’t take a rocket scientist to know consumers are getting tired of it all.

In the past people blamed pharmaceuticals first, then government, then insurers.Policy and politics pollster Morning Consult says that’s all changed. Insurers are now at the top of the consumer ire heap.

Here are some stats: • 31% hold health insurers for the rise of premiums in the last 10-years.

• 25% blame government.

• 13% think it’s pharmaceuticals.

In comments to Morning Consult, Kaiser Family Foundation senior vice president Larry

• 77% say problems with medical bill payments are causing a delay in vacations and/or making major household purchases.

• 75% say it has led to spending less on food and clothing.

• 75% say they’ve had to use up most or all of their savings.

• 63% say they’ve had to take an extra job or work more hours to pay those bills.

• 42% say they’ve been forced to increase credit card debt.

• 38% say they had to borrow money from family members or friends.

• 14% say they’ve changed their living situation.

Levitt said the Morning Consult stats are misleading and insurers are unfairly shouldering the blame. Rising costs are for many reasons and — noted Levitt — hospitals and doctors may be their leading cause. “Drug costs are the fastest rising part of the health

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

Top Stories system right now, but over the last decade hospitals and physicians have contributed much more to the rising health costs than drug companies,” Levitt said.

Meanwhile, insurers aren’t much happier with things than consumers. Their ire has to do with the Affordable Care Act and its terms. The only state in which the nation’s largest insurers like Blue Shield, Kaiser Permanente and Anthem are making money is California.

Nowhere else.

So many insurers are thinking of bagging the state exchanges and the federal government exchange at the end of 2016. The nation’s largest health insurer UnitedHealthCare is one of them but United doesn’t do a lot of ObamaCare business.

Oh — the California profits.

• Blue Shield of California — $107 million in 2014 • Kaiser — $66 million • Anthem Blue Cross — $9 million So what happens to those profits? Much of it is given over to the government and to consumers to help pay the cost of ObamaCare and to those insurers that are losing money on the deal.

Translation: insurers lost $2.5 billion on ObamaCare in 2014. n Source links: Two stories from Insurance Business America — link 1 & link 2.

January 2016 | Main Street Industry News |www.pianeia.com| 13

Top Stories

Road Rage A Growing Social Problem A couple of months ago PropertyCasualty360. com did a break down of the nation’s growing aggressive driving problem. It’s a report on a problem that bears sharing. So this week and next Weekly Industry News will share that information. You’ll find it enlightening and — at times — chilling.

First a definition of the problem and next week some descriptions, definitions and solutions.

It’s a jungle out there. We once were a nation that would be royally ticked if someone cut us off or drove inappropriately in traffic.

Sometimes we’d shake our fists at that person.

Some of us — with sailor-swearing tendencies — would roll down our windows and tell the offender off.

These days that’s kind of dangerous. The rolling down the window part. But so is poor driving. Just about anything — it seems — can set off someone and that set off can lead to

violence which is often gunplay that leads to death. Every day you read or hear or watch news stories where someone is murdered over this traffic slight or that.

Even though rolling down your window and swearing, or stopping someone and yelling at them doesn’t always end in violence, both are classified as road rage and road rage is a growing concern — and in many cases, a puzzle — to all of us.

Road rage is also an insurance concern.

Insurers — as some of you know and many do not — divide incidents where drivers have conflict into two categories: • Aggressive driving • Road rage This is a general definition and how the two are defined depend on the jurisdiction. One — aggressive driving — is generally a traffic

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

Top Stories offense. The other — road rage — is much more serious and is often deemed a criminal offense.

Here’s how the National Highway Traffic Safety Administration (NHTSA) defines them: Aggressive Driving: an individual commits a combination of moving traffic offenses so as to endanger other persons or property.

Road Rage: an assault with a motor vehicle or other dangerous weapon by a vehicle’s operators or passenger(s) upon another person, when the assault was precipitated by an incident, which occurred on a roadway. Road rage requires willful and wanton disregard for the safety of others.

Here are some items considered to be aggressive driving: • Driving too fast for conditions • Exceeding the speed limit by more than 10 mph • Excessive tailgating and not leaving a safe space between your vehicle and another • Driving in the left lane at the posted speed limit for an excessive amount of time and blocking the passing lane • Making hand gestures at other drivers • Using high beams unnecessarily • Honking at people blocking lanes or slowing traffic • Un-signaled or sudden lane changes • Not using turn signals when turning • Flashing lights to indicate the desire to pass • Failure to yield the right of way • Using the emergency lane to pass • Using the shoulder of the road to pass • Running a red light

• Running a stop sign • Making a right turn at a red light without stopping Road rage is violence that happens because of any of these incidents. Since auto insurance — as you know — is based on driving history, a road rage conviction gets a red flag translating to more risk and higher rates. It also can impact claims.

Damage from road rage is sometimes excluded from policies because it’s not an accident. It’s on purpose and from risky behavior.

Here’s when road rage is most likely to happen: • Friday afternoons • During afternoon peak traffic hours when drivers are fatigued and rushed • During the summer months • In urban areas • In moderately congested traffic Both aggressive driving and road rage — says the NHTSA — are causing death on U.S. streets and highways: • 66% of traffic fatalities are caused by aggressive driving.

• 37% of aggressive driving incidents involve a firearm.

• Males under the age of 19 are the most likely to exhibit road rage.

• Half of drivers who are on the receiving end of an aggressive behavior, such as horn honking, a rude gesture, or tailgating admit to responding with aggressive behavior themselves.

• 2% of drivers admit to trying to run an aggressor off the road. n Source link: PropertyCasualty360.com

January 2016 | Main Street Industry News |www.pianeia.com| 15

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

9-A-2492 Ed. 10-15

Top Stories

Now What?

Police Stop Taking Accident Reports You get in a car wreck. First thought. Get a cop. When you decide you don’t need one, you exchange information with the other or others involved and file a police report. That happens about the same time you inform your insurance agent and start the process of healing.

Except now more and more police departments are too busy to take your accident report. Some police departments are even to busy to respond to what they deem a “routine” collision. The reasons are easy to fathom if you think a bit:

• Shrinking budgets and smaller work forces • New and higher demands to protect communities • Civil unrest in some places • Even threats of terrorism both domestic and foreign in others So responding to accidents and collisions is dropping way down on the priority list.

That’s what Stephen Applebaum says.

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

Top Stories He’s the managing partner of the Insurance Solutions Group and who is responsible for U.S. insurance industry relations for Accident Support Services International Ltd.

finally reach an insurance company they are incomplete or are missing key information.

In an article for PropertyCasualty360.com, Applebaum said officials and police chiefs in IL, MI, MO, OH, OK, N, TX and VA have issued news releases saying their police will no longer take reports, with CA and NY may head that direction in the near future.

With less information and involvement by police what can carriers do to get the information they need to get claims settled quickly. Some creative solutions are being bandied about.

Applebaum said many are practical and others — while also practical — are quite costly:

That means police in the jurisdictions in these states will only respond to those incidents involving serious injury, criminal activity, the spilling of hazardous materials or circumstances that are described as “suspicious.”

Here’s what Applebaum says is a big problem for insurers ...

Almost all auto insurers require a policyholder to report all such incidents. Laws — in most states — require all accidents with damages over $1,000 to $1,500 must be accompanied by a police report. And those reports must be filed within a certain number of days.

Insurers — meanwhile — need police reports that determine damage, determine fault, determine negligence and/or other facts critical to making decisions on claims. What concerns insurers even more, and since insurers want to settle claims in days and not weeks, is not getting required reports for six-weeks or more from accidents where those requirements exist. Worse, when some of those reports

But you already know all this.

• Policyholders can be asked to take photos on the scene and self-report.

• Insurers can pay for additional staff, company inspection centers or hire independent appraisers.

• Insurers can lean on repair shops to inspect, document, estimate and repair damage in a fair and honest manner.

Applebaum said Canada does a private-public partnership with police and insurers and has established what it calls Collision Reporting Centers (CRC). This is where those in an accident file reports and where police and insurers can collect that information.

The CRC has trained individuals experienced in crash investigation and reporting and many are located in police stations.

Here’s another problem facing police and insurers. There are more collisions these days and more of them are serious. Miles driven year-over-year has jumped 3.4% because of an improving economy and plummeting gas prices.

And Applebaum notes another huge problem.

The industry is getting older. People are retiring.

This impacts claims services as the cuts were seeing in business everywhere means reduced staff and with retirement comes less experienced claims professionals.

Source link: PropertyCasualty360.com

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

Top Stories

Conference Call Behavior Women Trump Men Conference calls.

More and more they’re replacing actual face-to-face meetings. Some are visual, others only vocal. And don’t we just love ‘em. In a way, they’re more convenient. We don’t have to pack up and travel somewhere. That said, since we don’t have to pack up and travel, our supervisors are having more of them.

Or so it seems. Heavy sigh.

And now — in a world that has gone study crazy — someone has taken a long took at conference call behavior. The firm is InterCall.

No surprise, it’s a conference call provider.

Here’s what the company learned:’ • Women are more polite and less pushy during conference calls than men.

• Women are also more prompt.

• They’re more likely than a man to dial in five-or-more minutes early.

• Men will come on board closer to the scheduled start time.

• Men are also more likely to text those who are late for the meeting than women.

January 2016 | Main Street Industry News |www.pianeia.com| 19

Top Stories • Men are more outspoken in conference calls and they tend to get the meeting going by talking about sports.

• 17% of those 36 to 45 will do that and 11% of those 46 to 60 go away without saying goodbye.

• Only 17% of women running a meeting will use sports as a jump starter.

• Just 6% of participants 18 to 35 hang up without notifying others.

Age matters in conference calls: • Millennials are criticized for multitasking but not for their promptness.

• Just 13% of those 18 to 36 dial in at the last minute.

• Baby boomers are just as prompt and just 16% of those 46 to 60 are there at the last minute.

• Older employees are more likely to hang up and not tell others they’re leaving the call.

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• People 36 and above are three-times less likely to tell someone they’re going to be late for a conference call than those that are younger.

• Millennials are known for their courtesy on these calls but they continue to be dependent on each other during a call and admit to checking social media while on hold.

• Just 17% of the older groups do that. n Source link: Carrier Management

Education

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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.

Date

Class/Webinar

Where

When

January 12, 2016

Life Insurance Concepts for the Property & Casualty Agent

NE/IA

Webinar 12:00 PM - 3:00PM

January 19, 2016

Contractors: Insuring the Property Exposures

NE/IA

Webinar 12:00 PM - 3:00PM

January 20, 2016

Ethics Taking it to the Streets

NE/IA

Webinar 1:00 PM - 4:00PM

January 22, 2016

Food Borne Illness & Insurance Coverage

NE/IA

Webinar 8:00 AM - 11:00AM

January 25, 2016

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

NE/IA

Webinar 8:00 AM - 11:00AM

January 27, 2016

Social Networking: OMG or E&O?

NE/IA

Webinar 12:00 PM - 3:00PM

January 28, 2016

Lawncare to Lipstick

NE/IA

Webinar 1:00 PM - 3:00PM

February 10, 2016

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

NE/IA

Webinar 12:00 PM - 3:00PM

February 11, 2016

Personal Lines Complications: Because Simple is just too darn Easy

NE/IA

Webinar 12:00 PM - 3:00PM

February 11, 2016

CISR: Commercial Casualty 1

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

February 16, 2016

Seven Ways to get Sued and How to Avoid Them

NE/IA

Webinar 12:00 PM - 3:00PM

February 17, 2016

CyberMaster: Recognizing & Insuring Digital Assets & Electronic Risk

NE/IA

Webinar 12:00 PM - 3:00PM

February 18, 2016

Ethics For Insurance Professionals

NE/IA

Webinar 1:00 PM - 4:00PM

February 18, 2016

CISR: Commercial Casualty 1

Marion

Kirkwood Training Center

February 22, 2016

CHAOS: Contracts, Hold Harmless, Additional Insureds and Other Stuff

NE/IA

Webinar 12:00 PM - 3:00PM

February 23, 2016

The Ever-Evolving Affordable Health Care Act

NE/IA

Webinar 8:00 AM - 11:00 AM

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

PIA NE IA Events

February 23, 2016

Contractors: Insuring the Liability Exposures

NE/IA

Webinar 12:00 PM - 3:00PM

February 24, 2016

What We Learned: Claim and Coverage Issues from Catastrophes

NE/IA

Webinar 12:00 PM - 3:00PM

February 24 - 26, 2016

CIC: Commercial Casualty Institute

Omaha

Double Tree

February 25, 2016

CISR: Insuring Personal Auto Exposures

Des Moines

Hilton Garden Inn Des Moines/Urbandale

March 8, 2016

Words Mean Things & Insurance is a Foreign Language

NE/IA

Webinar 12:00 PM - 3:00PM

March 15, 2016

Ethics: Taking it to the Streets

NE/IA

Webinar 1:00 PM - 4:00PM

March 22, 2016

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

NE/IA

Webinar 8:00 AM - 11:00 AM

March 22, 2016

Social Networking: OMG or E&O?

NE/IA

Webinar 12:00 PM - 3:00PM

March 24, 2016

Life Insurance Concepts for the Property & Casualty Agent

NE/IA

Webinar 8:00 AM - 11:00 AM

March 24, 2016

Food Borne Illness & Insurance Coverage

NE/IA

Webinar 12:00 PM - 3:00PM

March 28, 2016

What We Learned: Claim and Coverage Issues from Catastrophes

NE/IA

Webinar 12:00 PM - 3:00PM

March 29, 2016

Contractors: Insuring the Property Exposures

NE/IA

Webinar 8:00 AM - 11:00 AM

March 29, 2016

CPIA 1: Position for Success

March 30, 2016

CISR: William T. Hold: Advanced Learning Seminar

Des Moines

Hilton Garden Inn Des Moines/Urbandale

March 30 - April 1, 2016

CIC: Personal Lines Institute

West Des Moines

Holiday Inn Hotel & Suites

April 4, 2016

The Ever-Evolving Affordable Health Care Act

NE/IA

Webinar 12:00 PM - 3:00PM

April 7, 2016

Regarding Ethics

NE/IA

Webinar 1:00 PM - 4:00 PM

April 13 - 15, 2016

CIC: Life & Health Institute

Lincoln

Marriott Courtyard

April 19, 2016

Leases & Contracts Vs. The Insurance Policy

NE/IA

Webinar 8:00 AM - 11:00 AM

April 21, 2016

Managing E&O in A 24/7 World

NE/IA

Webinar 12:00 PM - 3:00PM

April 21, 2016

CISR: Agency Operations

Marion

Kirkwood Training Center

April 25, 2016

Executive & Management Liability

NE/IA

Webinar 12:00 PM - 3:00PM

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

TBA

PIA NE IA Events

April 26, 2016

CISR: Personal Lines Miscellaneous

Davenport

Saint Ambrose University

April 27, 2016

Lawncare to Lipstick

NE/IA

Webinar 1:00PM - 3:00 PM

April 27, 2016

CISR: Agency Operations

Des Moines

Hilton Garden Inn Des Moines/Urbandale

April 28, 2016

How to be the Agent Advocate at Claim Time

NE/IA

Webinar 12:00 PM - 3:00PM

April 28, 2016

CPIA 1: Position for Success

Omaha

Hilton Garden InnOmaha

May 17, 2016

CISR: Insuring Personal Auto Exposures

Marion

Kirkwood Training Center

May 18 - 20, 2016

CIC: Commercial Casualty Institute

Cedar Rapids

Cedar Rapids Marriott

May 24, 2016

CISR: Commercial Casualty 2

Des Moines

Hilton Garden Inn Des Moines/Urbandale

June 7 - 8, 2016

PIA Annual Convention

Omaha

Embassy Suites Omaha - La Vista

June 16, 2016

CISR: Insuring Commercial Property

West Des Moines

LaMair - Mulock Condon Insurance (LMC)

June 22, 2016

CISR: Agency Operations

Davenport

Saint Ambrose University

July 20 - 22, 2016

CIC: Life & Health Institute

West Des Moines

Holiday Inn Hotel & Suites

July 6 - 8, 2016

CIC: Agency Management Institute

Omaha

Double Tree

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

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

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

TBA

January 2016 | Main Street Industry News |www.pianeia.com| 23

October 6, 2016

CISR: Insuring Commercial Property

Davenport

Saint Ambrose University

October 11, 2016

CISR: Insuring Commercial Property

Des Moines

Hilton Garden Inn Des Moines/Urbandale

October 12, 2016

CPIA 3: Sustain Success

TBA

TBA

October 12 - 14, 2016

CIC: Personal Lines Institute

Omaha

Double Tree

October 13, 2016

CPIA 3: Sustain Success

Omaha

Hilton Garden Inn Omaha

November 16 - 18, 2016

CIC: Commercial Property Institute

West Des Moines

Holiday Inn Hotel & Suites

January 2016| Main Street Industry News | www.pianeia.com | 24

WWW.PIANEIA.COM

On-Line Insurance Pre-Licensing ExamFX

Online Training & Assessment

Pass your insurance test fast, Start producing faster!!!

Insurance and Securities Pre-license Training

Professional Insurance Agents of NE IA visit us at www.pianeia.com

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 Affinity, LLC.