INSIDE Another COVID Insurance Wrinkle — Near Record Life Insurance Payouts » 7 The Price of Auto Insurance Skyrocketing » 16 2022 and Employees — They Want Financial Benefit Help » 24
January 2022 | Published Monthly
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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.
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Another COVID Insurance Wrinkle — Near Record Life Insurance Payouts | 7 Life insurers in 2020 paid out more death benefits than any year since the 1918 flu epidemic. The American Council of Life Insurers (ACLI) says life insurers paid out $90.43 billion last year.
Amazon Moves into Commercial Insurance Sales | 17 Amazon is moving into the sales of commercial insurance. The technology giant is going to partner with Next Insurance to sell commercial insurance to small business owners.
Insurers & 2022 — Lots of Uncertainty | 8 The Insurance Information Institute (I.I.I) says insurers will face massive political risks and lots of economic uncertainty in 2022. Part of the soon to come — and actually, still happening — troubles are due to the post-pandemic economy.
The Nation’s Largest Insurance Budgets | 22 The state of California has the largest insurance department budget in the country.
GAO Report — The Federal Government Must Pick Up Cybersecurity | 11 The Government Accountability Office (GAO) recently gave testimony to Congress on cybersecurity and the improvements needed to protect the nation’s infrastructure. A.M. Best Upgrades Outlook for Commercial Lines | 12 The outlook for commercial lines has been upgraded by A.M. Best. Improved performance by the lines from 2020 through the third quarter of 2021, and the modest impact of COVID on the line got Best to change the rating from negative to stable. NFIP Reauthorized Until Next Year — Risk Rating 2.0 Faces Bleak Future | 13 Congress has reauthorized the National Flood Insurance Program (NFIP) through February 18 of next year. Employers & Managing COVID-19 | 13 On a global scale, over half of the planet’s employers aren’t sure about managing the health and safety of their workers.
2022 and Employees — They Want Financial Benefit Help | 24 Morgan Stanley — like all companies — is concerned about the new business reality, the Great Resignation. People in all walks of life are walking off the job and into what they hope will be a better deal somewhere else.
PIA NE IA EVENTS Professional Insurance Agents NE IA and The National Alliance Nebraska and Iowa CIC, CISR & CPIA Designation | 26 Upcoming Events Calendar 2022 | 32
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The Price of Auto Insurance Skyrocketing | 16 Insurify issued its second annual Insuring the American Driver report. It found the price of auto insurance rose significantly from 2020 to 2021. That conclusion came from studying more than 40 million auto insurance quotes.
January 2022 | Main Street Industry News | www.pianeia.com | 4
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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.
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TOP STORIES
ANOTHER COVID INSURANCE WRINKLE
NEAR RECORD LIFE INSURANCE PAYOUTS Life insurers in 2020 paid out more death benefits than any year since the 1918 flu epidemic. The American Council of Life Insurers (ACLI) says life insurers paid out $90.43 billion last year. That’s up 15.4% from the $78.36 billion in 2019. Bad as that payout is — mostly due to COVID — the increase was 41% from 1917 to 1918 during the flu pandemic. So, insurers were happy that the number of deaths, and the payout was far less than expected. Part of the reason for the lower payout — says the Wall Street Journal — is older people tend to purchase smaller policies. While policies tend to be smaller in some cases, the ACLI’s 2020 data report noted that COVID-19 had a big impact on sales. Total sales hit $20.4 trillion last year and that includes a record $3.3 trillion in life insurance coverage. •
43.1 million life insurance policies were sold last year
•
Most were through employers who saw increases of 19%
•
Individual coverage rose 3%
ACLI spokesman, Andrew Melynk noted it was an interesting year.
“The data tells a compelling story about the resiliency of life insurers and their ability to protect Americans’ financial futures at all times,” Melnyk said. “In a year that was taxing for everyone, life insurance benefits provided families with the means to endure financially after the loss of a loved one.” The report offered more details: •
Annuity payments to consumers jumped to $91 billion in 2020
•
That’s a 3.9% increase from 2019
•
Industry assets rose from $7.6 trillion to $8.2 trillion
•
That’s up 7.7% from 2019
Source link: Insurance Business America
January 2022 | Main Street Industry News | www.pianeia.com | 7
TOP STORIES
INSURERS & 2022 Lots of Uncertainty
The Insurance Information Institute (I.I.I) says insurers will face massive political risks and lots of economic uncertainty in 2022. Part of the soon to come — and actually, still happening — troubles are due to the post-pandemic economy. Other issues of concern are labor issues and problems with filling jobs, the coming midterm elections, issues of the two political parties in Congress not working together, the growing socioeconomic inequality and radicalization from both sides of the political aisle. Triple I spokesman Michel Leonard — who is a vice president and senior economist — said the risks to insurers from those issues are substantial.
In the U.S. inflation is also atop the pile of concerns. Leonard says we’ll deal with that for at least a couple of years until the economy stabilizes. “We head a strong year but we’re still behind in terms of growth,” Leonard said. “You can’t have runaway inflation and growth.” He also pointed to the supply chain and its impact on the economy and on consumers. Leonard thinks it will be another two years before it stabilizes. Leonard points out that the industry has plenty of data on what it faces after emerging from an economic recovery. “We actually lag a bit when we emerge from a recession,” Leonard said. Source link: Insurance Journal
January 2022 | Main Street Industry News | www.pianeia.com | 8
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TOP STORIES
GAO REPORT
The Federal Government Must Pick Up Cybersecurity The Government Accountability Office (GAO) recently gave testimony to Congress on cybersecurity and the improvements needed to protect the nation’s infrastructure. Nick Marinos takes care of information technology and cybersecurity for the GAO and he gave the testimony. Marinos told the House Subcommittee on Transportation and Infrastructure the GAO has — since 2010 — given the federal government 80 recommendations. Of those, just 50 have been implemented by the White House and other government agencies. “Recent events, including the ransomware attack that led to a shutdown of a major U.S. fuel pipeline, have illustrated that the nation’s critical infrastructure and the federal government’s IT
systems continue to face growing cyber threats,” Marinos said. He told the committee that the executive branch “urgently needs to establish and implement a comprehensive national cyber strategy.” That policy — Marinos pointed out — must have a federal government with a stronger role in protecting the infrastructure’s cybersecurity. Marinos also pointed out to the agencies who’ve failed to implement those suggestions. They are the Federal Aviation Administration, the Transportation Security Administration, the Cybersecurity and Infrastructure Security Agency; the Department of Energy; the Department of Education; and the Department of the Treasury. Source link: Business Insurance
January 2022 | Main Street Industry News | www.pianeia.com | 11
TOP STORIES
A.M. BEST UPGRADES OUTLOOK FOR COMMERCIAL LINES
The outlook for commercial lines has been upgraded by A.M. Best. Improved performance by the lines from 2020 through the third quarter of 2021, and the modest impact of COVID on the line got Best to change the rating from negative to stable. “In many lines, the decline in loss frequency has more than offset any increase in severity — commercial auto is the line where this pattern is most evident,” the Best report said. Better underwriting results from 2020 when compared to 2019 didn’t hurt either. Though
rates continue to rise, the line appears to be more stable. That said, A.M. Best expects growth to be slow from now through 2022. “We expect that as exposures stabilize, commercial lines premium growth will moderate somewhat, but remain strong through 2022,” the report said. Another plus is how courts are continuing to rule in favor of insurers when it comes to COVID business interruption suits. Source link: Business Insurance
January 2022 | Main Street Industry News | www.pianeia.com | 12
TOP STORIES
NFIP REAUTHORIZED UNTIL NEXT YEAR Risk Rating 2.0 Faces Bleak Future
Congress has reauthorized the National Flood Insurance Program (NFIP) through February 18 of next year. Now the focus of Congress is likely to be the Federal Emergency Management Agency’s (FEMA) push to make the NFIP run more efficiently. Basically, its program Risk Rating 2.0 is designed to base flood insurance rates on actual risk and the actual cost of repairs if disaster occurs. FEMA’s push to get that done is getting a push back from members of Congress. A bill from Florida’s Sen. Rick Scott and separate bills from New Jersey Sen. Robert Menendez and New Jersey Rep. Frank Pallone threaten to undo what RR 2.0 is trying to accomplish. The bill Menendez and Pallone introduced is called the National Flood Insurance Program Reauthorization and Reform Act of 2021. It looks at concerns some are trying to express about how some are being severely impacted by RR 2.0. Experts don’t think those bills will gain much traction. Congress hasn’t exactly been all that interested in problems with the NFIP and flood insurance in general. As proof, experts point to the 18 temporary reauthorizations since 2017 and most bills that would permanently fix the NFIP has pretty much been ignored. Source link: The National Law Review
EMPLOYERS & MANAGING COVID-19 On a global scale, over half of the planet’s employers aren’t sure about managing the health and safety of their workers. Talking with over 1,400 risk professionals in 99 countries, the International SOS Workforce Resilience Council said 54% say they cannot insure the health and safety of their workers. Those same risk professionals say they expect COVID to continue to impact and decrease employee productivity in 2022. Part of the reason for the decrease — says 33% — is mental health issues that will impact productivity. The International SOS Workforce Resilience Council also believes mental health issues are going to overtake COVID the biggest concern employers will face next year. Here are other concerns from the survey: •
40% of those surveyed worry about access to timely and accurate information on health and security threats
•
35% worry about being able to educate employees about health risks
•
33% worry about good communication during a crisis
Source link: Business Insurance
January 2022 | Main Street Industry News | www.pianeia.com | 13
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TOP STORIES
THE PRICE OF AUTO INSURANCE SKYROCKETING Insurify issued its second annual Insuring the American Driver report. It found the price of auto insurance rose significantly from 2020 to 2021. That conclusion came from studying more than 40 million auto insurance quotes. The jump — on average — was 12% more this year when compared to last. On average the American driver now pays $1,633 a year to cover themselves and their vehicles. Insurify thinks that figure will rise another 5% to $1,700 by 2022. There are — the company says — good reasons for the rise. Spokeswoman Kacie SaxerTaulbee said reckless and aggressive behavior behind the wheel is increasing. Fatalities per mile rose 26% between March and May of this year. “With inflation over 5%, driving rates returning to pre-pandemic levels, and rising collisions, there are many factors leading to increased auto insurance prices,” Saxer-Taulbee said. “Even when you set aside economic factors, drivers are expressing a distinct
difference in their experience on the roads in 2021, with 38% reporting driving more frequently and 44% witnessing more aggressive driving.” Here is more from the report: • Aggressive drivers pay about 25% more for insurance when compared to those with a clean driving record •
44% of those surveyed say they have seen more aggressive driving this year when compared to the past
•
38% of drivers say they are driving more in 2021 than they did in 2020
•
41% say their auto insurance rose this year when compared to previous years
Source link: Insurance Business America
January 2022 | Main Street Industry News | www.pianeia.com | 16
TOP STORIES
AMAZON MOVES INTO COMMERCIAL INSURANCE SALES
Amazon is moving into the sales of commercial insurance. The technology giant is going to partner with Next Insurance to sell commercial insurance to small business owners. Todd Heimes is the director of Amazon Business Prime and he says Amazon will be offering general liability, professional liability, work comp and a few other lines.
Amazon-Care — a health insurance program — to employers in Washington. Next Insurance CEO Guy Goldstein says this is a natural pairing of technology and business.
“We know that small business owners are looking for innovative and cost-effective ways to streamline their businesses and save time, and that’s what this partnership with Next Insurance helps achieve,” Heimes said. “We believe Next Insurance offering products to Business Prime is another example of how this program provides value and benefits to members.”
“We believe the future of the insurance buying experience involves meeting customers where they already are and making it easy to purchase customized and affordable policies,” Goldstein said. “We are proud to continue to be chosen by top companies, like Amazon, who understand the best way to serve small businesses is through digital solutions. With Amazon Business Prime, we are taking a large step toward providing greater access to seamless insurance coverage.”
Last year, Amazon started selling auto and motorcycle insurance in India and offers
Source link: PropertyCasualty360.com Photo by Christian Wiediger on Unsplash
January 2022 | Main Street Industry News | www.pianeia.com | 17
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TOP STORIES
THE NATION’S LARGEST INSURANCE BUDGETS The state of California has the largest insurance department budget in the country. California Insurance Commissioner Ricardo Lara oversees a budget that is a third more than second place New York. This information is courtesy of the National Association of Insurance Commissioners (NAIC). It found the combined budgets of all of the nation’s insurance departments will hit $1.625 billion in 2021. Last year’s total was $1.607 billion. Staffing is also increasing. The number of workers in the nation’s insurance departments went up slightly from 10,846 last year to 10,857 in 2022.
Top-5 1.
California Budget: $227 million
2.
New York Budget: 160 million
3.
Texas Budget: $126 million
4.
New Jersey Budget: $76 million
5.
Florida Budget: $51 million
Source link: PropertyCasualty360.com
January 2022 | Main Street Industry News | www.pianeia.com | 22
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TOP STORIES
2022 AND EMPLOYEES They Want Financial Benefit Help
Morgan Stanley — like all companies — is concerned about the new business reality, the Great Resignation. People in all walks of life are walking off the job and into what they hope will be a better deal somewhere else.
some sort of financial wellness program. Employees want the company they work for to care about their financial stability and they want the company to help them with financial challenges.
Brian McDonald heads up Morgan Stanley at Work. He and the financial giant dug into what employees want and what companies have to do to keep them. Financial wellness tops the list of the help they seek.
The survey found that 80% of employees want that and 90% of employers want to help employees understand how to maximize the financial benefits offered. That — he says — shows that both employees and employers are on the same page when it comes to that kind of benefit.
In the research, McDonald said Morgan Stanley found that 46% of employers are offering
January 2022 | Main Street Industry News | www.pianeia.com | 24
TOP STORIES “Leaders are talking about how the needs of their employees are surfacing and how they have relied upon the company more in this time period for guidance on financial situations,” McDonald said. “As employees are creating more wealth and savings through their workplace benefits, it's only natural that they would expect their employers to help them with the rest of the equation as it relates to their own personal financial needs.”
Here’s the help employees are seeking: • 61% want help with retirement preparation • 52% want financial planning benefits • 31% want to be able to maximize equity compensation • 21% want help managing student loan repayments • 20% are looking for help with college savings plans
Here’s more good news. The survey found that while 90% of employees want their company to prioritize financial benefits in 2022, a whopping 95% of human resources executives feel the same. “Employees want someone that they can talk to to be a sounding board or a coach for their specific scenario,” McDonald says. “It’s one thing when you're putting money into a 401(k) and there's a set of defined choices you can make. But when you have situations that are affecting you as an individual or your family, more specific advice is needed.”
This — and other like benefits — will make 91% of employees feel more invested in the company and will help with a decision to stay put. “Employees are now looking for employers to offer a full spectrum of financial benefits, tools and guidance to help them along the right path financially,” McDonald pointed out. “As a result, those companies that offer a robust benefits package will differentiate themselves in the face of unprecedented competition for great talent.” Source link: Employee Benefit News
CONGRATULATIONS on your Earned Designation
The Professional Insurance Agents of Nebraska & Iowa is proud to recognize the following Iowa Insurance Professionals who earned their CISR Designation in 2021.
2021 Amanda Burchett, CISR
Ashlee Jess, CISR
United Fire Group Cedar Rapids, IA
Kunkel & Associates Dubuque, IA
Chelsey Carter, CISR
Kayla Hulstein, CISR
Jaclyn Loveless, CISR
Kunkel & Associates Dubuque, IA
Prins Insurance Sheldon, IA
Friedman Insurance Dubuque, IA
Vivian Ceron, CISR
Julia Huisman, CISR
Shannon Manderscheid, CISR
Independent Insurance Services Marshalltown, IA
Van Engelenhoven Agency Orange City, IA
TRICOR, Inc. Dubuque, IA
Pamela Dunlap-Johnson, CISR
Anthony Hunt, CIC, CISR
Mitch Marek, CISR
Assured Partners West Des Moines, IA
Central Insurance Cherokee, IA
TrueNorth Companies West Des Moines, IA
Shelly Eddy, CISR
Mary Iossi, CISR
Hanna Sampsel, CISR
Liberty Insurance Agency Durant, IA
TrueNorth Companies West Des Moines, IA
Insurance Station Altoona, IA
Michelle Featherston, CISR Lee Agency
Ann Samuelson, CISR
Muscatine, IA
TrueNorth Companies Cedar Rapids, IA
Lori Flurey, CISR
Mindy Stock, CISR
Pharmacists Mutual Algona, IA
Great West Casualty Co. West Des Moines, IA
Sarah Hogan, CISR Relion Insurance Solutions Iowa City, IA
www.PIANEIA.com
CONGRATULATIONS on your Earned Designation
The Professional Insurance Agents of Nebraska & Iowa is proud to recognize the following Iowa Insurance Professionals who earned their CISR Elite Designation in 2021.
2021
Deborah Korthaus, CISR Elite Arthur J. Gallagher Davenport, IA
Marcia Wilsey, CISR Elite Pharmacists Mutual Insurance Algona, IA
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Congratulations on your Earned Designation Nebraska - Class of 2021
John Coffey, CIC
Debra Dodson, CIC
Consortio Group
First Express Insurance/Arbor Bank
Omaha, NE
Omaha, NE
Paul Corbaley, CIC
Paige Ritz, CIC
Zurich Insurance Services
Agri-City Insurance Agency
Bennington, NE
Columbus, NE
Jenny Dageforde, CIC
Jennifer Sellers, CIC
Continental Western Group
FNIC
Lincoln, NE
Omaha, NE
www.PIANEIA.com
Congratulations on your Earned Designation IOWA - Class of 2021
Cole Adair, CIC
Amanda Crandall, CIC
Melissa Jenkins, CIC
Julie Lofdahl, CIC
Farm Bureau Financial Services
EMC Insurance
Coverage Direct
Orchard, IA
Des Moines, IA
Waukee, IA
Gail Daniels, CIC
Rachel Johnson, CIC, CISR
Monica Lynch, CIC, CISR
Patra
Nationwide
LMC Insurance & Risk Managment
Iowa City, IA
Des Moines, IA
West Des Moines, IA
Jacqueline Evans, CIC
Elizabeth Kelly, CIC
Anna Maahs, CIC
Cottingham & Butler
VGM
Cottingham & Butler
Dubuque, IA
Waterloo, IA
Dubuque, IA
Kimberly Faas, CIC
Bryn Kittle, CIC
Heather Marreel, CIC
Grinnell Mutual
Cottingham & Butler
Great West Casualty Company
Grinnell, IA
Dubuque, IA
Sioux City, IA
Arthur J. Gallagher
Stacy Ferguson, CIC, CISR
Austin Kline, CIC
Thomas Merfeld, CIC
Muscatine, IA
LMC Insurance & Risk Managment
Cottingham & Butler
Cottingham & Butler
City State Bank Insurance Grimes, IA
Tim Blocklinger, CIC Cottingham & Butler Dubuque, IA
Katie Bormann, CIC Pharmacist Mutual Algona, IA
Shelby Bormann, CIC Cottingham & Butler Dubuque, IA
Julie Brockert, CIC, CISR
West Des Moines, IA
Stephanie Brown, CIC, CISR
Dubuque, IA
Dubuque, IA
Carol Glass, CIC, CISR
Kyle Konopasek, CIC
Loci Mortensen, CIC
GreenState Insurance
Mills, Shelhammer, Puetz & Assoc
Pharmacists Mutual
North Liberty, IA
Sioux City, IA
Algona, IA
Pharmacist Mutual
Brad Hodapp, CIC
Ronda Kuecker, CIC, CISR
Sanja Plynaar, CIC
Algona, IA
Relion Insurance Solutions
Holmes Murphy & Associates
EMC Insurance
Muscatine, IA
Waukee, IA
Des Moines, IA
Sara Hoff, CIC
Becky Lease, CIC, CISR
William Roth, CIC
Farmers Mutual Hail Insurance
Holmes Murphy & Associates
TrueNorth Companies
Story City, IA
Waukee, IA
West Des Moines, IA
Midwest Heritage Insurance West Des Moines, IA
Erynn Clark, CIC
Anthony Clem, CIC Clem Insurance Services Urbandale, IA
Lyndsey Cochran, CIC Nationwide
Tanya Hurst, CIC
John Link, CIC
Des Moines, IA
McKay Insurance Agency
Cottingham & Butler
Knoxville, IA
Dubuque, IA
www.PIANEIA.com
Matthew Rowles, CIC EMC Insurance Companies Des Moines, IA
Paige Shanks, CIC, CISR Elite PDCM Insurance Waterloo, IA
Erin Stober, CIC EMC Insurance Indianola, IA
Benjamin Strathman, CIC Cottingham & Butler Dubuque, IA
John Wearda, CIC MAX Insurance Des Moines, IA
Daniel Wegman, CIC Relion Insurance Solutions Iowa City, IA
Jennifer Woolums, CIC Nationwide Ankeny, IA
Forrest Wrede, CIC Nationwide Des Moines, IA
CONGRATULATIONS ON YOUR EARNED DESIGNATION
NEBRASKA & IOWA - CLASS OF 2021 Avery Atkins
Jody Pierson
Arnold Insurance Agency
Consortio Group
Arnold, NE
Omaha, NE
Shelly Eddy
Maya Rush
Insurance Station
i3 Insurance
Altoona, IA
Lincoln, NE
Robin Hawley
Shelly Saucier
FNIC
FNIC
Omaha, NE
Omaha, NE
Lashara Shields
Erin McCuen
FNIC
FNIC
Omaha, NE
Omaha, NE
Alison Mulligan Arnold Insurance Agency
Mark Suhr Suhr & Lichty Insurance Seward, NE
Arnold, NE
Riley Tonkin GTA Insurance Group Lincoln, NE
www.PIANEIA.com
PIA NE IA EVENTS
Events Calendar 2022 For information and to register Click Here or call (402) 392-1611. Date
Class/Webinar
January 11, 2022
Insurance Jeopardy! Testing Your Knowledge of Personal & Commercial Lines
January 12, 2022
Where
When
NE/IA
Webinar: 8:00AM - 11:00AM
CISR Live Webinar: Insuring Personal Auto Exposures
Live Webinar
Live Webinar: 8:00AM - 4:00PM
January 13, 2022
Cyber - Evolution, Exposures, Incidents & Insurance
NE/IA
Webinar: 8:00AM - 11:00AM
January 13, 2022
Commercial Insurance Coverages, Court Cases & Chaos
NE/IA
Webinar: 12:00PM - 3:00PM
January 18, 2022
Personal Lines Coverage Concerns: Annoying But Important
NE/IA
Webinar: 8:00AM - 11:00AM
January 18, 2022
Ethics: Essentials for the Insurance Producer
NE/IA
Webinar: 12:00PM - 3:00PM
January 20, 2022
"How/Where the %^* Will I Live?" Insurance Solutions for the Long-Term
NE/IA
Webinar: 8:00AM - 11:00AM
January 20, 2022
Commercial Property Direct vs. Indirect Damage
NE/IA
Webinar: 12:00PM - 3:00PM
January 26, 2022
CISR Live Webinar: Insuring Commercial Property
Live Webinar
Live Webinar: 8:00AM - 4:00PM
January 26, 2022
An Hour with Nicole: Personal Umbrella Issues & Answers
NE/IA
Webinar: 1:00PM - 2:00PM
January 27, 2022
Personal Lines Clients and Their New Normal
NE/IA
Webinar: 8:00AM - 11:00AM
January 27, 2022
Chris Amrhein’s “Adventures in Aging”: Medicare and Other Retirement Healthcare Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
February 2, 2022
An Hour with Corey: Valuation Issues with Custom Cars & Tricked-Out Trucks
NE/IA
Webinar: 1:00PM - 2:00PM
February 9, 2022
An Hour with Nicole: Homeowners Loss Settlement Issues
NE/IA
Webinar: 1:00PM - 2:00PM
February 10, 2022
CISR Live Webinar: Life & Health
Live Webinar
Live Webinar: 8:00AM - 4:00PM
February 10, 2022
Homeowners In Real Life: Tales of Claims & Coverage
NE/IA
Webinar: 8:00AM - 11:00AM
February 10, 2022
Is This Stuff For Real? Understanding & Insuring Emerging Risks
NE/IA
Webinar: 12:00PM - 3:00PM
January 2022 | Main Street Industry News | www.pianeia.com | 32
PIA NE IA EVENTS
February 15, 2022
That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)
NE/IA
Webinar: 8:00AM - 11:00AM
February 15, 2022
Flood Insurance, FEMA, and the NFIP
NE/IA
Webinar: 12:00PM - 3:00PM
February 17, 2022
CPIA Advanced: Insurance Implications of Cyber Security
Live Webinar
Webinar: 8:30AM - 4:15PM
February 17, 2022
Planting the Seed: Agent Strategies to Get and Keep Agribusiness Insureds
NE/IA
Webinar: 8:00AM - 11:00AM
February 17, 2022
Chris Amrhein’s “Adventures in Aging”: Social Security & Other Retirement Income Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
February 22, 2022
Certificates of Insurance and the Coverage Issues that Go With Them
NE/IA
Webinar: 8:00AM - 11:00AM
February 22, 2022
Lurking: Surprises In the Contractor’s CGL Policy & Endorsements to Watch Out For
NE/IA
Webinar: 12:00PM - 3:00PM
February 23, 2022
An Hour with Cathy: Additional Insured Endorsements for Contractors
NE/IA
Webinar: 1:00PM - 2:00PM
February 24, 2022
The Evolution of Ethics in Insurance
NE/IA
Webinar: 8:00AM - 11:00AM
February 24, 2022
Contracts Agents Should Read
NE/IA
Webinar: 12:00PM - 3:00PM
February 24 - 25, 2022 CIC: Agency Management Institute
Omaha
Omaha Marriott Hotel Omaha, NE
February 24 - 25, 2022 CIC Live Webinar: Agency Management Institute
Omaha
**Hybrid Webinar
March 2, 2022
An Hour with Cathy: Insurance Issues for the Commercial Tenant
NE/IA
Webinar: 1 :00PM - 2:00PM
March 3 - 4, 2022
Ruble: Graduate Seminar (IA)
West Des Moines
The Rewind Hotel by Hilton - Des Moines, IA
March 3 - 4, 2022
Ruble: Graduate Seminar (IA)
West Des Moines
**Hybrid Webinar
March 3, 2022
Personal Lines Clients and Their New Normal
NE/IA
Webinar: 12:00PM - 3:00PM
March 8, 2022
CISR Live Webinar: Agency Operations
Live Webinar
Live Webinar: 8:00AM - 5:00PM
March 9, 2022
An Hour with Corey: Liars: How to Spot Fraud & What the Agent Can Do About It
NE/IA
Webinar: 1:00PM - 2:00PM
March 10, 2022
CPIA 1 ONLINE COURSE: Position for Success
Live Webinar
Webinar: 8:30AM - 4:15PM
March 22, 2022
Employment Practices Liability - A Coverage No Business Can Afford to Be Without
NE/IA
Webinar: 8:00AM - 11:00AM
March 22, 2022
Nailed It: Understanding Insurance Requirements in Construction Contracts
NE/IA
Webinar: 12:00PM - 3:00PM
March 23, 2022
CISR Live Webinar: Commercial Casualty 1
Live Webinar
Live Webinar: 8:00AM - 5:00PM
January 2022 | Main Street Industry News | www.pianeia.com | 33
PIA NE IA EVENTS
March 24, 2022
Personal Lines Coverage Concerns: Annoying But Important
NE/IA
Webinar: 8:00AM - 11:00AM
March 29, 2022
Why Insurance to Value and Liability Limits are Always Wrong (and How to Fix That)
NE/IA
Webinar: 8:00AM - 11:00AM
March 29, 2022
Chris Amrhein’s “Adventures in Aging”: Medicare and Other Retirement Healthcare Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
March 30, 2022
An Hour with Nicole: Personal Umbrella Issues & Answers
NE/IA
Webinar: 1:00PM - 2:00PM
March 31, 2022
Autos, Garages, and Dealers Oh My! Knowing the Difference
NE/IA
Webinar: 8:00AM - 11:00AM
March 31, 2022
Commercial Property - Direct vs. Indirect Damage
NE/IA
Webinar: 12:00PM - 3:00PM
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 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
January 2022 | Main Street Industry News | www.pianeia.com | 34
PIA NE IA EVENTS
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 NE/IA A Coverage No Business Can Afford to Be Without
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 & Endorsements to Watch Out For
NE/IA
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
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
January 2022 | Main Street Industry News | www.pianeia.com | 35
PIA NE IA EVENTS
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 in Construction Contracts
NE/IA
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
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
January 2022 | Main Street Industry News | www.pianeia.com | 36
PIA NE IA EVENTS
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
January 2022 | Main Street Industry News | www.pianeia.com | 37
auto
home
farm
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