INSIDE Huh? What? People Actually Lie when Purchasing Auto Insurance? » 7 Cyber Insurance Growth over 92% between 2020 and 2021 » 13 Special Report: The Highs and Lows of Insurance Industry Pay » 18 Inflation Hits the PIA States Hard » 21
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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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Huh? What? People Actually Lie when Purchasing Auto Insurance? | 7 Answering the headline. Yes. Most people working in insurance know this all too well. None of this will be a surprise. Legalized Pot — High Time to Define Driving High | 9 Using marijuana — for one reason or another — is now legal in 37 states and the District of Columbia. Congress is also looking hard at putting together some form of legislation to make it legal everywhere. As expected, law enforcement is cringing at the idea. Cyber Insurance Growth over 92% between 2020 and 2021 | 13 Cyber premiums are skyrocketing. S&P Global Market says direct written premiums for stand-alone policies rose 92.3% between 2020 and 2021. Dollarwise, 2021 hit $3.15 billion. The 2020 income was $1.64 billion. Flying in 2022 — The Not-So-Friendly Skies | 15 Since COVID hit close to two-years ago, flying has been an adventure. In some cases, it’s an adventure we can all live without. Here’s why. The U.S. Department of Transpiration’s Bureau of Transportation Statistics (BTS) said as of the end of February this year, 18% of flights have been delayed 15-minutes or longer.
Commercial Rates Continue to Rise — Here’s Why | 20 The American Property Casualty Insurance Association (APCIA) has taken a look at why commercial insurance rates continue to climb. Spokesman Robert Gordon — who is an APCIA senior vice president — said there are three main drivers that are pushing prices skyward. Inflation Hits the PIA States Hard | 21 The price of everything from food to — the most complained about — gasoline, continues to rise. While prices have dropped a little bit, they are still at record highs.
PIA NE IA EVENTS PIA NE IA EVENTS The Professional Insurance Agents NE IA and The National Alliance Designations | 25 Upcoming Events Calendar 2022 | 26
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Special Report: The Highs and Lows of Insurance Industry Pay | 18 High inflation and the ever-growing high cost of goods and services has a lot of us examining our income level. Weekly Industry News is no exception. What has us intrigued is a story we found on the Business Insurance website on the five highest paid insurance execs.
July 2022 | Main Street Industry News | www.pianeia.com | 4
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HUH? WHAT? PEOPLE ACTUALLY LIE WHEN PURCHASING AUTO INSURANCE? Answering the headline. Yes. Most people working in insurance know this all too well. None of this will be a surprise. The website, Finder.com did a study of insurance applications and found that 35.8 million drivers, stretching across a bunch of demographics, lied to insurers about their driving records.
THE POINT? LOWER RATES. Finder.com says that’s up quite a bit from their 2020 survey. It only had 11.8 million telling whoppers. So, the jump between 2020 and
2022 is 204.8%. Finder.com did not give a reason for the increase. Maybe it’s COVID. The pandemic gets blamed for everything else, so why not this, too? A huge percentage of those lying do so because they have awful driving records and are a high risk. Participants in the survey say doing the Pinocchio thing is worth it since the average saving is $362 a month, or $4,342 a year. • Men lie more than women • It’s 19.8% to 8.9% — or 23.9 million compared to 11.9 million
July 2022 | Main Street Industry News | www.pianeia.com | 7
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OF THE GENERATIONS, MILLENNIALS ARE THE MOST LIKELY TO LIE:
At 16.3%, people in the West are the most likely to lie. The Midwest at 11.1%, are the least likely.
• Gen Z — 17.9%
SOME OF THE BEST WHOPPERS:
• Millennials — 22.5%
1. Accident record — Over 30% admit to lying about their accident record and underreporting auto crashes to save money on their premiums.
• Gen X — 18.1% • Baby boomers — 4% • The silent generation — 3.4% One of the reasons younger drivers lie is because they typically pay more for insurance than older people. When it comes to Gen Z, the lower number for them is likely impacted by the fact that a huge percentage do not yet drive.
FINDER ESTIMATES HOW MUCH EACH GENERATION WILL SAVE IF THEY LIE AND GET AWAY WITH IT: • Gen Z — $113 • Millennials — $100 • Gen X — $104 • Baby Boomers — $50 • Silent Generation — $37
2. Who’s driving — 26.3% lie about just who will be driving their vehicles. 3. Tickets — 25.5 % lie about the number of tickets they've received. 4. Primary driver — 18.1% don't quite tell the truth about the vehicle's primary driver 5. Vehicle use — 26% lie about exactly what they're going to use their vehicle for. They don't admit to driving for Uber or doing food delivery. 6. Where do you live — 30% don't tell the truth about where they live so they can get a better rate. Source: PropertyCasualty360.com
July 2022 | Main Street Industry News | www.pianeia.com | 8
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LEGALIZED POT HIGH TIME TO DEFINE DRIVING HIGH
Using marijuana — for one reason or another — is now legal in 37 states and the District of Columbia. Congress is also looking hard at putting together some form of legislation to make it legal everywhere. As expected, law enforcement is cringing at the idea. The main reason is the lack of ways to measure how high is too high. David Sampson is the president and CEO of the American Property Casualty Insurance Association. He recently penned
July 2022 | Main Street Industry News | www.pianeia.com | 10
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an article for the online news source, The Hill. His group is now doing its annual meeting and one topic of discussion is how marijuana affects drivers and workers. “As more states legalize marijuana, it is inevitable there are more people driving or working under its influence,” Sampson wrote. “Studies show marijuana use can impact reaction times and interfere with coordination, perception, judgement, and other critical abilities necessary for safe driving or functioning in the workplace.” As things stand now, it’s close to impossible to know exactly how impaired someone is because a standardized test does not exist. That means an objective standard for what is, and what is not, impairment is critical. “It is less predictable and less measurable than alcohol. The extent and effect of marijuana impairment does not clearly correlate with the amount of the psychoactive component, THC, in a user’s blood,” Samson explained. “The amount of THC can peak before a user experiences impairment, and it may remain in a user’s system for weeks after consumption. Therefore, a positive blood test result may not indicate the user is impaired at the time of the test.”
percent more industrial incidents and 85 percent more injuries.”
CHANGE IS NEEDED. “We need more public awareness and research to develop an objective standard of impairment and reliable methodology to determine impairment,” Sampson’s article concluded. “The Medical Marijuana Research Act, H.R. 5657, which passed the House, by vote of 343 to 75, in April 2022 is a good step towards the development of these critical elements. This legislation would ease restrictions on access to marijuana by research institutions and make it easier to conduct the needed research in order to better understand marijuana impairment.” Source: The Hill
Sampson notes that states with legal recreational laws have found a correlation between an increase in auto crash frequency and legalization. “There is a concern that increased legalization may also lead to an increase in workplace accidents,” Sampson wrote. “The National Institute on Drug Abuse reported that employees who tested positive had 55
July 2022 | Main Street Industry News | www.pianeia.com | 11
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July 2022 | Main Street Industry News | www.pianeia.com | 12
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CYBER INSURANCE GROWTH OVER 92% BETWEEN 2020 AND 2021
Cyber premiums are skyrocketing. S&P Global Market says direct written premiums for standalone policies rose 92.3% between 2020 and 2021. Dollar-wise, 2021 hit $3.15 billion. The 2020 income was $1.64 billion. Big difference. Axis Capital Holdings Ltd. CEO Albert Benchimol says cyber is definitely in a hard market cycle. Fitch Ratings calls it the fastest growing of all U.S. property and casualty insurers. The ratings firm says rates jumped in 2021 because of hyper claims activity. It’s considerably higher than other lines of commercial insurance. Fairfax Financial Holdings was the biggest beneficiary of that hard market, and it wrote $436.3 million in premiums in 2021. That’s a jump of 302% over 2020’s $108.4 million. Benchimol said the average rate increase in the first quarter of 2022 was almost 70%. He noted in some cases the rate increase hit over 100%. Axis — he points out — also did very well and the $144 million in premiums is a 60% jump between 2020 and 2021. When it comes to cyber packages, they increased 47.6% between 2020 and 2021 to $1.68 billion from $1.14 billion. Chubb is the top underwriter. It gained over $70 million and went from $404.1 million in 2020 to $473.1 million in 2021. That’s a 17.1% hike. Source: S&P Global
July 2022 | Main Street Industry News | www.pianeia.com | 13
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July 2022 | Main Street Industry News | www.pianeia.com | 14
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Flying in 2022: The Not-So-Friendly Skies Since COVID hit close to two-years ago, flying has been an adventure.
When it comes to delays and cancellations, it’s a must.
In some cases, it’s an adventure we can all live without. Here’s why. The U.S. Department of Transpiration’s Bureau of Transportation Statistics (BTS) said as of the end of February this year, 18% of flights have been delayed 15-minutes or longer.
Here are 11 airlines who — the data says struggle this year when it comes to delays and cancellations. The list goes from worst to better.
Over 5% of them were canceled outright. Travel experts say it’s important to know who you are dealing with when flying. Delays and cancellations — as we all know — can cause huge problems. And tying this story to insurance, it’s a great reason to purchase travel insurance.
1. Southwest Airlines
2022 reliability rating: 7.84 out of 50 2021 reliability rating: 26.8 Overall ranking for 2022: number 11 with a score of 30.60 out of 100
2. Frontier Airlines
2022 reliability rating: 13.18 out of 50 2021 reliability rating: 15.70 Overall ranking for 2022: number 8 with a score of 50.65 out of 100
July 2022 | Main Street Industry News | www.pianeia.com | 15
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3. American Airlines
10. Hawaiian Airlines
4. Envoy Air
11. Delta Air Lines
5. JetBlue Airways
Source: PropertyCasualty360.com
2022 reliability rating: 14.24 out of 100 2021 reliability rating: 17.55 Overall ranking for 2022: number 10 with a score of 41.40 out of 100 2022 reliability rating: 16.52 out of 50 2021 reliability rating: 9.31 Overall ranking for 2022: number 4 with a score of 60.46 out of 100 2022 reliability rating: 30.99 out of 50 2021 reliability rating: 24.99 Overall ranking for 2022: number 9 with a score of 43.34 out of 100
2022 reliability rating: 30.44 out of 50 2021 reliability rating: 23.65 Overall ranking for 2022: number 2 with a score of 67 out of 100 2022 reliability rating: 30.99 out of 50 2021 reliability rating: 24.99 Overall ranking for 2022: number 1 with a score of 70.48 out of 100
6. Spirit Airlines
2022 reliability rating: 19.99 out of 50 2021 reliability rating: 25.26 Overall ranking for 2022: number 5 with a score of 59.22 out of 100
7. Alaska Airlines
2022 reliability rating: 20.28 out of 50 2021 reliability rating: 18.37 Overall ranking for 2022: number 3 with a score of 61.04 out of 100
8. Skywest Airlines
2022 reliability rating: 21.17 out of 50 2021 reliability rating: 18.47 Overall ranking for 2022: number 6 with a score of 57.01 out of 100
9. United Airlines
2022 reliability rating: 26.67 out of 50 2021 reliability rating: 26.76 Overall ranking for 2022: number 7 with a score of 56.30 out of 100
July 2022 | Main Street Industry News | www.pianeia.com | 16
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SPECIAL REPORT THE HIGHS AND LOWS OF INSURANCE INDUSTRY PAY
High inflation and the ever-growing high cost of goods and services has a lot of us examining our income level. Weekly Industry News is no exception. What has us intrigued is a story we found on the Business Insurance website on the five highest paid insurance execs. So, we took a look at average salaries, too.
ZipRecruiter is a firm that specializes in finding employees for employers. On May 16, 2022, the company published a report on all insurance jobs, and all salaries within the industry. The average annual pay for insurance industry jobs is $67,421. On average, the pay is $32.41 an hour, $1,297 per week and $5,618 a month.
July 2022 | Main Street Industry News | www.pianeia.com | 18
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ZipRecruiter says it has seen salaries go as high as $143,500 and drop as low as $22,500. Insurance agency owners can bring in $120,787 a year on average while the independent insurance agent will average $97,996. Brokers can make an average of $98,079. Salary.com has a little different take on agents. It says the average insurance agent salary in April of this year lands somewhere between $48,258 and $59,604. The dead center average is $52,839. Insurance Agent Salaries by Percentile Percentile
Salary
25th Percentile Salary
$48,258
10th Percentile Salary 50th Percentile Salary 75th Percentile Salary 90th Percentile Salary
$44,087
Total — $21,905,220 (down 9% from 2021) 3. Alan Schnitzer — Travelers Salary: $1,300,000 Stock awards: $6,900,051 Option awards: $4,598,852 Nonequity incentive: $6,500,000 Change in pension: $471,951 Other: $82,843 Total — $19,853,697 (4.5% positive change from 2021)
$52,839 $59,604 $65,764
How much income an agent, or another position in insurance, can get is the product of a number of factors. They are education, certifications, designations, other skills they bring to the table, and — of course — the number of years they’ve been in the business. That’s the lows and highs of average income for insurance agents and other industry positions. Here’s the statistics on the five highest paid people in the industry. 1. Evan Greenberg — Chubb Salary: $1,400,000 Bonus: $7,500,000 Stock awards: $10,125,007 Option awards: $2,996,944 Other: $1,159,233
2. Peter Zaffino — AIG Salary: $1,482,693 Stock awards: $9,379,956 Option awards: $2,874,994 Nonequity incentive: $8,000,000 Other: $167,577
4. Ajit Jail — Berkshire Hathaway Salary: $16,000,000 Bonus: $3,000,000 Other: $14,500 Total: $19,014,500 — not measurable 5. David Long — Liberty Mutual Salary: $1,450,000 Bonus: $4,712,500 Appreciation units: $9,571,283 Restricted units: $2,392,739 Other: $327,815 Total — $18,454,337 (up 3.3% from 2021)
Sources: Salary.com, Zip Recruiter, Business Insurance
Total — $23,181,184 (14% rise from 2021) July 2022 | Main Street Industry News | www.pianeia.com | 19
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COMMERCIAL RATES CONTINUE TO RISE
The cost of policies often go to cover the cost to insurers for those decisions. As an example, Gordon said the losses for general liability rose over 57% since 2017. 3. Cyber. Ransoms. Ransoms. Ransoms. They very often top $1 million. Business interruption costs are stuck on top of that. Small and medium-sized businesses will see a noticeable jump in premiums when they renew their policy, or when they purchase a new one. This is going to be the case even if they have not made a claim in the past year.
HERE’S WHY The American Property Casualty Insurance Association (APCIA) has taken a look at why commercial insurance rates continue to climb. Spokesman Robert Gordon — who is an APCIA senior vice president — said there are three main drivers that are pushing prices skyward.
Gordon noted a survey from the Council of Insurance Agents and Brokers (CIAB). In the 4th quarter of 2021, medium-sized businesses saw premiums jump 10.6%. Small businesses were hit — on average — 6.3%. Source: Insurance Business America
“Insurers and agents continue to look for ways to reduce costs while still meeting all obligations to policyholders,” Gordon said. “But as claims and other costs have increased dramatically insurers are under pressure to raise rates on a variety of insurance policies typically utilized by small businesses.” Here are the three main drivers that Gordon mentioned. 1. Inflation. It has contributed to the increase in payouts for insurers. March 2022’s consumer price index (CPI) leapt 8.5% from the same month in 2021. 2. Abuse of the legal system. Lawsuits against insured businesses often lead to large verdicts. July 2022 | Main Street Industry News | www.pianeia.com | 20
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INFLATION HITS THE PIA STATES HARD The price of everything from food to — the most complained about — gasoline, continues to rise. While prices have dropped a little bit, they are still at record highs. In April, the US inflation rate was 8.3 percent. It's down from 8.5 percent in March, but it's still quite high. As you know, inflation hits agencies and insurers very hard. Conning just issued a report on how hard it has hit insurance in lower income ratios, reserve losses — and worst of all — higher insurance rates. Conning says inflation affects different lines differently.
“Using personal automobile as an example for a short-tail insurance, the business will be sensitive to inflation in the future costs of vehicles and as well as medical costs resulting from injuries,” Conning’s report noted. “Workers’ compensation insurance, as a proxy for a long-tail line of business, will not be as sensitive to the changing prices of automobiles but will be impacted by changes in wages, medical expenses and other related costs.” Liberty Mutual has found inflation has impacted household spending. That — the company says — leads to policyholders to shop for better premium rates. See the story that follows this one, Rising Insurance Rates has Insureds Shopping, for more information on that issue.
July 2022 | Main Street Industry News | www.pianeia.com | 21
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QuoteWizard’s researchers found that some states are harder hit than others. It asked people how hard it is to pay bills now when compared to the same time frame in 2021. The number of people having a “very difficult time” paying bills jumped 85% from 2021 to 2022. • 60% say they are having “some difficulty” meeting their usual household expenses • 15% say they are having a “very difficult” time paying household expenses • The “very difficult” time has increased by as much as 201% in some states According to QuoteWizard, the majority of those experiencing a "very difficult time" live in Louisiana, Florida, and Georgia.
TOP 10 1. ARKANSAS Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 15% 201% change since 2021 2. FLORIDA Percentage having a very difficult time June 2021 — 8% Percentage having a very difficult time May 2022 — 22% 173% change since 2021 3. MISSOURI Percentage having a very difficult time June 2021 — 6% Percentage having a very difficult time May 2022 — 16% 170% change since 2021
4. INDIANA Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 13% 169% change since 2021 5. NEW HAMPSHIRE Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 13% 164% change since 2021 6. WISCONSIN Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 13% 154% change since 2021 7. WASHINGTON (TIE WITH LOUISIANA) Percentage having a very difficult time June 2021 — 4% Percentage having a very difficult time May 2022 — 10% 150% change since 2021 7. LOUISIANA (TIE WITH WASHINGTON) Percentage having a very difficult time June 2021 — 10% Percentage having a very difficult time May 2022 — 25% 150% change since 2021 8. MAINE Percentage having a very difficult time June 2021 — 6% Percentage having a very difficult time May 2022 — 15% 144% change since 2021
July 2022 | Main Street Industry News | www.pianeia.com | 22
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Where does PIA Nebraska and Iowa stand?
9. MONTANA Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 12% 143% change since 2021
NEBRASKA Percentage having a very difficult time June 2021 — 7% Percentage having a very difficult time May 2022 — 12% 77% change since 2021
10. IDAHO Percentage having a very difficult time June 2021 — 5% Percentage having a very difficult time May 2022 — 12% 140% change since 2021
IOWA Percentage having a very difficult time June 2021 — 7% Percentage having a very difficult time May 2022 — 13% 90% change since 2021 Sources: QuoteWizard.com, PropertyCasualty360.com
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CONGRATULATIONS FOR YOUR EARNED DESIGNATION The Professional Insurance Agents NE IA would like to congratulate everyone who has earned a designation from The National Alliance in 2022.
2022 CIC Designation Jill Cameron, CIC EMC Insurance Companies Des Moines, IA
CPIA Designation Edward Hansen, CPIA American Church Group of Iowa Indianola, IA Denton Kuhl, CPIA DI Services, LLC Randolph, NE Nancy Williams, CPIA TrueNorth Companies, LLC Cedar Rapids, IA Nichole Wisnieski, CPIA Quinn Insurance, Inc. Omaha, NE
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Events Calendar 2022 For information and to register Click Here or call (402) 392-1611. Date
Class/Webinar
Where
July 5, 2022
More Money, More (Insurance) Problems? NE/IA Mastering P&C Coverage for the Affluent Market
When
July 5, 2022
Adventures in Aging: Medicare and Other Retirement Healthcare Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
July 6, 2022
Commercial Property Direct vs. Indirect Damage
NE/IA
Webinar: 8:00AM - 11:00AM
July 6, 2022
Ethics: Essentials for the Insurance Producer
NE/IA
Webinar: 12:00PM - 3:00PM
July 7, 2022
CISR: Commercial Casualty 1
Des Moines, IA
TBA
July 7, 2022
Personal Lines Clients and Their New Normal
NE/IA
Webinar: 8:00AM - 11:00AM
July 12, 2022
Personal Lines Coverage Concerns: Annoying But Important
NE/IA
Webinar: 8:00AM - 11:00AM
July 12, 2022
Why Insurance to Value and Liability Limits are Always Wrong (and How to Fix That)
NE/IA
Webinar: 12:00PM - 3:00PM
July 13, 2022
Autos, Garages and Dealers Oh My! Knowing the Difference
NE/IA
Webinar: 8:00AM - 11:00AM
July 26, 2022
CISR: Insuring Personal Auto Exposures
Des Moines, IA
Des Moines
August 9, 2022
That’s Personal: Home & Auto Exposures Your Insured Doesn’t Share (and Why That’s Bad)
NE/IA
Webinar: 8:00AM - 11:00AM
August 9, 2022
Flood Insurance, FEMA, and the NFIP
NE/IA
Webinar: 12:00PM - 3:00PM
August 11, 2022
CPIA 1 ONLINE COURSE: Position for Success
Live Webinar
Webinar: 8:30AM - 4:15PM
August 11, 2022
Personal & Commercial Lines Endorsements: Some Good, Some That Really Stink
NE/IA
Webinar: 8:00AM - 11:00AM
August 11, 2022
Certificates and Additional Insureds: What Did I Do to Deserve This?!
NE/IA
Webinar: 12:00PM - 3:00PM
August 16, 2022
Cyber - Evolution, Exposures, Incidents & Insurance
NE/IA
Webinar: 8:00AM - 11:00AM
August 16, 2022
Employment Practices Liability - A Coverage No NE/IA Business Can Afford to Be Without
Webinar: 12:00PM - 3:00PM
August 17, 2022
An Hour with Nicole: Homeowners Loss Settlement Issues
Webinar: 1:00PM - 2:00PM
July 2022 | Main Street Industry News | www.pianeia.com | 26
NE/IA
Webinar: 8:00AM - 11:00AM
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August 18, 2022
CISR Live Webinar: Elements of Risk Management
Live Webinar
Live Webinar: 8:00AM - 5:00PM
August 18, 2022
Homeowners In Real Life: Tales of Claims & Coverage
NE/IA
Webinar: 8:00AM - 11:00AM
August 23, 2022
Adventures in Aging: Social Security & Other Retirement Income Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
August 24, 2022
An Hour with Dave: Fast Facts About Flood
NE/IA
Webinar: 1:00PM - 2:00PM
August 31, 2022
An Hour with Cathy: Insurance Issues for the Commercial Tenant
NE/IA
Webinar: 1:00PM - 2:00PM
September 7, 2022
An Hour with Sam: A Numbers Game Mastering the Coverage Symbols in a Business Auto Policy
NE/IA
Webinar: 1:00PM - 2:00PM
September 8, 2022
CPIA 2 ONLINE COURSE: Implement for Success
Live Webinar
Webinar: 8:30AM - 4:15PM
September 8, 2022
Lurking: Surprises In the Contractor’s CGL Policy & Endorsements to Watch Out For
NE/IA
Webinar: 8:00AM - 11:00AM
September 8, 2022
Ethics: Essentials for the Insurance Producer
NE/IA
Webinar: 12:00PM - 3:00PM
September 15, 2022
Personal Lines Clients and Their New Normal
NE/IA
Webinar: 8:00AM - 11:00AM
September 15, 2022
More Money, More (Insurance) Problems? NE/IA Mastering P&C Coverage for the Affluent Market
Webinar: 12:00PM - 3:00PM
September 19, 2022
Leadership and Liability: Insuring Executive Risk NE/IA
Webinar: 12:00PM - 3:00PM
September 20, 2022
CISR Live Webinar: Insuring Personal Residential Property
Live Webinar
Live Webinar: 8:00AM - 5:00PM
September 21, 2022
An Hour with Nicole: Personal Umbrella Issues & Answers
NE/IA
Webinar: 1:00PM - 2:00PM
September 22, 2022
Personal Lines Coverage Concerns: Annoying But Important
NE/IA
Webinar: 8:00AM - 11:00AM
September 27, 2022
Growing Good Insurance: Using Property & Liability Endorsements to Fortify Farm Risks
NE/IA
Webinar: 8:00AM - 11:00AM
September 27, 2022
Contracts Agents Should Read
NE/IA
Webinar: 12:00PM - 3:00PM
September 28, 2022
An Hour with Sam: The Policy's Position on Home-Sharing and How to Handle It
NE/IA
Webinar: 1:00PM - 2:00PM
September 29, 2022
CISR Live Webinar: Insuring Commercial Property
Live Webinar
Live Webinar: 8:00AM - 5:00PM
September 29, 2022
Commercial Property Direct vs. Indirect Damage
NE/IA
Webinar: 8:00AM - 11:00AM
September 29, 2022
Adventures in Aging: Medicare and Other Retirement Healthcare Solutions
NE/IA
Webinar: 12:00PM - 3:00PM
October 5, 2022
CPIA 3 ONLINE COURSE: Sustain Success
Live Webinar
Webinar: 8:30AM - 4:15PM
July 2022 | Main Street Industry News | www.pianeia.com | 27
PIA NE IA EVENTS
October 13, 2022
CISR Live Webinar: Commercial Casualty 2
Live Webinar
Live Webinar: 8:00AM - 5:00PM
October 27, 2022
CISR Live Webinar: Personal Lines Miscellaneous
Live Webinar
Live Webinar: 8:00AM - 5:00PM
November 15, 2022
CISR Live Webinar: Commercial Casualty 1
Live Webinar
Live Webinar: 8:00AM - 5:00PM
December 13, 2022
CISR Live Webinar: Agency Operations
Live Webinar
Live Webinar: 8:00AM - 5:00PM
August 23-24, 2022
CIC Live Webinar: Commercial Casualty Institute
Live Webinar
Live Webinar: 8:00AM - 5:00PM
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
June 22-23, 2022
CIC Live Webinar: Life & Health Institute
Live Webinar
Live Webinar
November 9-10, 2022
CIC Live Webinar: Insurance Company Operations Institute
Live Webinar
Live Webinar
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
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
July 2022 | Main Street Industry News | www.pianeia.com | 28
RCIS is here to help build your business. Our team approach works for you and your customers, with a company-wide focus on responsive claims handling and payment and advanced technology and resources to work smarter, not harder. All supported by a dedicated team that make connections count when it matters most.
We’ve Got This To become an agent representing RCIS, contact an RCIS Business Development Representative or visit https://www.rcis.com/home/pages/agent/join-us today.
RCIS is a registered trade name of Rural Community Insurance Company. RCIC is an equal opportunity provider. © 2022 Rural Community Insurance Company. All rights reserved.
July 2022 | Main Street Industry News | www.pianeia.com | 29
