September 2022 | Published Monthly INSIDE Update: Your PIA Membership Benefits » 7 Recession & Insurers — Insurers are Well-Prepared » 16 Insureds Think Car Color Impacts Insurance Rates » 20
auto 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. home farm Our promise is to be “Always alongside you.” Contact: Andy Kraus, CPCU Vice President of akraus@fmne.comAgencies |800.742.7433 fmne.com
PIA members also have access to a private website containing a series of strategies and tools to help them stay ahead of online competition in commercial lines. To access the newest PIA Partnership project, Small Business Insurance & The Internet — The Voice of the Commercial Lines Customer.
If you are not a PIA member and want to access all of the tools available through this program, contact us for a membership application or visit us online at www.pianational.org/header-utility-items/join/Join-PIA
National Association of Professional Insurance Agents 400 N. Washington St., Alexandria, VA 22314-2353 www.pianet.com | membership@pianet.org | (703) 836-9340
PIA and the companies belonging to The PIA Partnership have created a public website that helps agents understand PIA’s findings.
Did you know that PIA’s company council, The PIA Partnership, has conducted nationwide research about the insurance buying preferences of small business is encouraging because it found that small business owners strongly prefer independent insurance agents as they make choices in today’s online 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.
Theowners?research
However,world.the
Postage & Stamps Just got More Expensive | 17
The United States Postal Service (USPS) has raised the price of postage and stamps. For personal use, most of us use the First-Class Mail Forever stamps. They have gone up two cents to 60 cents from 58.
Mergers and acquisitions slowed quite a bit in the first half of 2022. It dropped by almost a third. Not to worry.
MarketScout & Insurance Rate Increases — Still Rising | 19
Doxo is a bill paying platform. The company is — naturally — very interested in income and outgo for families and individuals.
Mergers & Acquisitions — A Rebound on the Way | 11
Allied Underwriters has done something a lot of us would like to see our employer do. It gave a 10% salary increase to all employees.
Inflation, High Gas Prices & What the Average Household Earns — An Interesting Study | 8
As you know, MarketScout tracks insurance rates on a quarterly basis. Company CEO, Richard Kerr says the second quarter of 2022 is looking about the same as the first.
. The Professional Insurance Agents NE IA and The National Alliance Designations | 23 Upcoming Events Calendar 2022 | 24 PIA NE IA ADVERTISEMENTSEVENTS
The Big Backfire — Attorney Lawsuit Billboards | 14
The Combined Ratio Could Top 100% in 2022 | 12
A new report from S&P Global Market Intelligence says property and casualty insurers could see a combined ratio of 100.4% by the end of the year.
Insureds Think Car Color Impacts Insurance Rates | 20
A year or so ago, InsuranceQuotes.com conducted an interested survey of drivers. It found that 44% of the 1,000 Americans it talked to think driving a car that is bright red will impact the insurance rate for that vehicle. A bright red car — they believe — is more expensive to insure. Contact Lindsey to place an ad at 402-392-1611
Wouldn’t We All like This — Allied Underwriters Gives Entire Staff 10% Raise | 18
Update: Your PIA Membership Benefits | 7 Membership in the PIA comes with a lot of benefits. They range from insurance products to benefit your agency and clients to business building tools to tools to help you manage your business, and more.
September 2022 | Main Street Industry News | www.pianeia.com | 4
PIA NE IA EVENTS
Insurers are Well-Prepared | 16 Berenberg is a privately owned German investment bank. It recently looked at insurance companies and the impact of a possible recession on them.
S&P Warning —
We’re all seen them along streets and highways. The billboard has a smiling attorney, or attorneys, often bedecked in expensive suits, asking us if we’ve been wronged by a company, a person or both.
Recession & Insurers —
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IS YOUR E&O X-DATE HERE? Consideringachange? Let the PIA quote your E&O Steve Bailey (402) 392-1611 Steve@pianeia.com E&OSteveCoordinatorBailey PIA Association for Nebraska and Iowa is committed to focusing its resources in ways that cast the most favorable light on its constituents. We are dedicated to providing the type of programs, the level of advocacy, and the dissemination of information that best supports the perpetuation and prosperity of our members. We pledge to always conduct ourselves in a manner that enhances the public image of PIA and adds real value to our members. Professional Insurance Agents NE IA Attention: Editorial Main Street Industry News 11932 Arbor Street, Ste. 100 Omaha, NE 68144 Email: office@pianeia.com Ph: Thewww.pianeia.com402-392-1611PIANEIA,Main Street Industry News reserves the right to edit your comments to fit space available. We respectfully ask that you keep the comments to 200-300 words. Cathy Klasi, Executive Director (402) 392-1611 Lindsey, Ad Placement (402) 392-1611 PIA FOR NEBRASKA AND IOWA SUBSCRIBE OR COMMENT This publication is designed by Strubel Studios . Follow and connect with us!
If you are a member, PIA National is publishing the 2022 PIA Member Benefits Guide. It can be accessed at pianational. org/memberbenefits. Read the 2022 PIA Member Benefits Guide here: https://www.pianational.org/docs/ pdf?sfvrsn=e95da90b_10default-source/products/2022memberguide.
Non-members, we encourage you to check out the many benefits that come your way as a member of the nation’s premiere agent association, the PIA. Your success in the insurance profession is the primary focus of the PIA Association for Nebraska & Iowa.
In addition to being a part of a dedicated community of other professional independent agents, your PIA membership offers an unmatched value in tools and resources specifically tailored to help advance your agency.
JOIN TODAY: www.pianeia.com/benefits
UPDATE: YOUR PIA MEMBERSHIP BENEFITS
September 2022 | Main Street Industry News | www.pianeia.com | 7 TOP STORIES Membership in the PIA comes with a lot of benefits. They range from insurance products to benefit your agency and clients to business building tools to tools to help you manage your business, and more.
September 2022 | Main Street Industry News | www.pianeia.com | 8 Inflation, High Gas Prices & What the Average Household Earns An Interesting Study TOP STORIES
2. California Average
32.
41.
Average bill total as a share of household income: 32.3% Source: Norfolk Daily News
Average
Average monthly household bills: $2,911
3. New Jersey 4. Massachusetts 5. Maryland 6. Connecticut 7. New York 8. Alaska 9. 10.WashingtonNewHampshire
1.TOP-10Hawaii
Average monthly household bills: $ 1,784 Median household income: $ 61,836 Average bill total as a share of household income: 34.6% Nebraska Average monthly household bills: $ 1,696 Median household income: $ 63,015
Average bill total as a share of household income: 42.0% monthly household bills: $2,649 Median household income: $78,672 bill total as a share of household income: 40.4%
Where does Nebraska and Iowa stand? Iowa
Doxo is a bill paying platform. The company is — naturally — very interested in income and outgo for families and individuals. It recently did an in-depth study of the cost of living in the United States. The good news is the cost of living is far below the cost of living in other developed countries. However, living expenses in the U.S. exceed that of most countries on Earth. So it’s a double-edged sword. The company’s study defines bills and living expenses as rent or house payments, auto loans, auto insurance and driving, utilities, cable, the Internet, smartphones and health insurance. To no one’s surprise, Doxo found states with higher average monthly incomes tend to have higher monthly bills. Those with lower incomes have lower costs. Doxo said the U.S. Census Bureau’s American Community Survey has the average cost of paying bills in the U.S. as $2,003 a month. The average income of a typical household is about $64,994 a year. Those are averages. Some states are way above and some way below.
The most expensive state in the union to live in is Hawaii. The least expensive state is West Virginia.
September 2022 | Main Street Industry News | www.pianeia.com | 9 TOP STORIES
Median household income: $83,173
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Source: Business Insurance
MERGERS ACQUISITIONS REBOUND ON THE WAY
September 2022 | Main Street Industry News | www.pianeia.com | 11
&
A
The second quarter of 2022 — from the end of March to the middle of May — had only 27 announced deals. Of the 343, most — 313 — were brokerage companies. The other 30 were in the underwriting area. “Although deal activity slowed in the first half of 2022 due to the overall economic environment, we expect deal activity to rebound in the second half of the year driven by strong interest in the sector from PE-backed buyers,” PwC said.
Mergers and acquisitions slowed quite a bit in the first half of 2022. It dropped by almost a third. Not to worry. A report from PricewaterhouseCoopers (PwC) says things are going to look a lot better in the near future. Here are the details. PwC said from midNovember last year through mid-May of this year there were 343 transactions. They totaled $15.4 billion in value. That compares to $31.4 billion and 476 transactions in the same time period a year earlier. That’s a 28% drop.
Another asterisk comes in the form of worries about inflation and private auto insurance claims costs that continue to rise. One worry the report doesn’t have is high gas prices. Those prices are going to keep people from driving more and that will drive down claims. Sources: PropertyCasualty360.com and Insurance Journal
September 2022 | Main Street Industry News | www.pianeia.com | 12 TOP STORIES
S&P WARNING
S&P predicts an equal performance by the end of 2022 and says commercial lines will likely end up with a slightly higher combined ratio of 96.3%.
In spite of a report that spills a lot of gloom and doom, S&P says by 2023 insurers will go back to moderate profitability and a combined ratio of 99.7%. There is a caveat to that statement. This will only happen if there are meaningful increases in important lines.
A new report from S&P Global Market Intelligence says property and casualty insurers could see a combined ratio of 100.4% by the end of the year. If things unfold as S&P predicts, the P&C industry could see its first unprofitable year since 2017. That’s unprofitable from an underwriting standpoint. The line of insurance that is being hit hardest right now is private auto. It will account for 35% of the net P&C premiums written this year. Auto insurers have been hard hit all year by high vehicle prices, parts and interruptions in the supply Commercialchain.lines are — in some ways — offsetting that concern. Those lines did very well in 2021 and the combined ratio of 96.1% last year is the best commercial lines have done since 2015.
THE COMBINED RATIO COULD TOP 100% IN 2022
September 2022 | Main Street Industry News | www.pianeia.com | 13 TOP STORIES About Us Design+ Print (800) 424-4244 | design.print@pia.org | pia.org/design&print PIA Design & Print offers a one-of-a-kind relationship between you, your brand, and our diligent, creative and unique team of hardworking professionals whose top priority is building your business. With your input, we forge the path between you and your future clients, reliably growing your brand into a name people know and trust. Formerly known as Creative Services, Design & Print works closely with your small business, insurance agency or association. We help grow your business by focusing on marketing you, your brand, and the services that you provide. Contact Design & Print today to make the most of your business. You are important to us—let us show you!
Attorney Lawsuit Billboards
says research done by the Insurance Research Council (IRC). It’s a division of The Institutes (formerly the I.I.I.).
IRC President Dale Porfilio says most Americans see this advertising as leading to court clogging liability lawsuits and over half see them as raising the cost of insurance.
TOP STORIES
September 2022 | Main Street Industry News | www.pianeia.com | 14
We’re all seen them along streets and highways. The billboard has a smiling attorney, or attorneys, often bedecked in expensive suits, asking us if we’ve been wronged by a company, a person or both. While the attorneys think the billboards help their business, the people looking at them aren’t viewing them in a positive light. Or so
The Big Backfire
However, Portfilio did note that most people that hired an attorney waited longer than average to get a settlement from an insurer. That said, most going that route did not fare as well as those that didn’t.
• Most Americans think there are too many personal injury lawsuits today
Public Attitudes on Litigation Trends and the Role of Attorneys in Auto Insurance Claims Survey – of the 1,500 people polled:
• Younger Americans are more likely than older Americans to view attorney involvement favorably “This survey builds on many years of IRC work examining the role of attorneys in insurance claims and the resulting consequences,” Porfilio said. “Our longstanding series of closed auto injury claim studies has shown an everincreasing rate of attorney involvement, even among no-fault claims.”
Source: Insurance Research Council
“The public sees a connection between attorney ads and the cost of insurance. Twothirds of respondents who had an opinion said advertising by attorneys increases the number of liability claims and lawsuits,” Porfilio said. “Fifty-nine percent said such advertising increases the cost of insurance.”
• Just 24% say they’d hire an attorney before contacting an insurer for claims settlement
If you’re curious and want to see the report, it is called, Public Attitudes on Litigation Trends and the Role of Attorneys in Auto Insurance Claims. It notes that many of attorney firms use funds from outside investors to finance lawsuits. It’s called litigation funding. While 81% of us have seen attorney advertisements, 39% were surprised and have never heard of litigation funding for lawsuits.
• Almost everyone surveyed expect an insurer to settle a claim fairly and quickly
September 2022 | Main Street Industry News | www.pianeia.com | 15 TOP STORIES
“The average auto injury claim payment, adjusted for the medical expenses owed and any applicable legal fees, was lower among claimants who hired attorneys compared with claimants who did not,” he added. “Given the costs added to the system and the lack of evidence of clear benefit for the claimant, it is important to understand public attitudes about attorney involvement.”
September 2022 | Main Street Industry News | www.pianeia.com | 16
stretching into 2023 for the United States, the United Kingdom and parts of Europe.
The bank concluded that insurers will come through okay. In fact, Berenberg says insurers are wellprepared to weather the storm, and a storm is coming. The bank predicts a shallow recession
Source: Reinsurance News TOP STORIES RECESSION & INSURERS INSURERS ARE WELL-PREPARED
Berenberg is a privately owned German investment bank. It recently looked at insurance companies and the impact of a possible recession on them.
The bank says insurers will do well because of the strength of their cash flows, near record highs in solvency and combined ratios of 93% to 95%. It also likes that commercial lines firms have reworded contracts to exclude cyber and pandemic risk, and have limited business interruption payouts.
Just got More Expensive
Hereprocessed.isasummary of the cost increases:
September 2022 | Main Street Industry News | www.pianeia.com | 17 TOP STORIES
• Letter (up to one ounce): 60 cents
• Metered letter (up to one ounce): 57 cents
• Price per additional ounce for letters: 24 cents
In a news release, the USPS said the increases are part of a 10 year plan to “transform the United States Postal Service from an organization in financial and operational crisis to one that is self-sustaining and high performing.”
The plan is called Delivering for America. “As inflation and increased operating expenses continue, these price adjustments will help with the implementation of the Delivering for
• Domestic postcard: 44 cents International letter: $1.40
•
Source: MSN
Postage & Stamps
The United States Postal Service (USPS) has raised the price of postage and stamps. For personal use, most of us use the First-Class Mail Forever stamps. They have gone up two cents to 60 cents from 58. That’s for standard sized envelopes weighing an ounce or less. By the way, the “forever” part of the name of the stamp means it will never expire. Even if prices change, the stamp you bought works for that ounce or less envelope. A huge percentage of businesses use metered mail. The cost of first-class postage will now be 57 center per stamp. That’s a raise of four-cents. Postcards sent within the borders of the U.S. will now be 44 cents. That’s up from 40 cents and the price of an international letter has gone from $1.30 to $1.40. The cost of mailing domestic packages of 13 ounces or less will now begin at $4.50.
America plan, including a $40 billion investment in core Postal Service infrastructure over the next ten years,” the USPS said. The plan will invest $2 billion of the $40 billion in technology upgrades and $20 billion will be spend on how mail and packages are
The reason given by the company is to help them keep up with inflation.
Allied Underwriters has done something a lot of us would like to see our employer do. It gave a 10% salary increase to all employees. All of them. No exceptions.
“Staff members recognize the values that we have sustained over the years with accurate and honest wage and benefit adjustments as well as the kind of investments we make for the benefit of our staff such as our plans for the new Operations Headquarters at Heartwood Preserve in Omaha that include an amazing set of facilities to enhance their work and post work experiences on a campus that includes climate-controlled underground parking, miles of walking trails, dramatic vistas, awardwinning parks and greenways, convenient retail offerings and, most importantly, a design that enables large expanses of light-filled workspace with lofty ceiling heights,” Menzies said in conclusion.
Source: Insurance
Journal WOULDN’T WE ALL LIKE THIS — 10%GIVESUNDERWRITERSALLIEDENTIRESTAFFRAISE TOP STORIES
Employee retention levels far exceed the national average and 90% of employees say they’re going to stick with Allied for the foreseeable future.
Allied’s chairman, SteveMenzies said another adjustment will likely be made in the fourth quarter of this year if inflation continues to rise.
“Our staff is vitally important to us, a reality we demonstrate in many ways,” Menzies said. “For decades, we have carefully assessed the impact of inflation each and every year and adjusted wages across the board accordingly. While this 10% salary adjustment appears unprecedented, all of the indicators point to the dire problems inflation continues to impose upon working men and women.”
September 2022 | Main Street Industry News | www.pianeia.com | 18
Menzes said that’s one reason the company is able to recruit and maintain top talent.
The ball rolling on the salary increase began after Allied’s lead economist, Justin Smith spoke about the impact of inflation at a leadership panel last February. His predictions on the topic came true and inflation is now a serious economic crisis. To compensate the company felt it important to help its 1,000 employees survive Smith’s dire prediction.
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Leading the pack for price jumps is cyber liability. Rates rose an average of 21.3% in the second quarter. That’s up from the 19.7% spike in the first quarter of 2022.
STILLRATE&MARKETSCOUTINSURANCEINCREASESRISING
Kerr said the rate hikes are just beginning and he predicts more, higher rates in the future. at
TOP STORIES
Excess/umbrella’s rates rose 8.7%, D&O jumped 8.3% and commercial property rates were up 8.3% as well. Medium-sized accounts saw the most increases at 7%.
Source: Insurance
As you know, MarketScout tracks insurance rates on a quarterly basis. Company CEO, Richard Kerr says the second quarter of 2022 is looking about the same as the first. The composite average across all lines of insurance is 5.9%. In quarter one it was 6% and that followed a 5.8% jump in the last quarter of 2021.
“Inflation can create a need for rate increases, so we may see that impact over the next four quarters,” Kerr said. “As for rate decreases, it’s possible higher interest rates could provide insurers with additional investment income which could moderate rate decreases, especially on long tail business.”
Learn more
Journal
© Copyright 2022 National Association of Professional Insurance Agents
TOP STORIES
Photo by Hyundai Motor Group on Unsplash
A little over half — 52% — thinking believing the myth are women. As we know — and as InsuranceQuotes.com said — that’s total nonsense. “The idea that a car’s color can affect your insurance rates isn’t always accurate,” InsuranceQuotes.com said in a statement that went along with its survey. “A red car will not be more expensive to insure, despite this being a common belief amongst consumers. For the most part, a red car will not be more expensive to insure than any other color you choose.”
All this led InsuranceQuotes.com to take a little side trip with its survey. The company wanted to know what colors people prefer. Here’s what the 1,000 people the company talked to last August said:
The only place color might matter is if you get a custom paint job. Then — as we know — and only then will the color of a vehicle impact the price of an insurance policy.
A year or so ago, InsuranceQuotes.com conducted an interested survey of drivers. It found that 44% of the 1,000 Americans it talked to think driving a car that is bright red will impact the insurance rate for that vehicle. A bright red car — they believe — is more expensive to insure. By the way, younger drivers age 18 to 29 were the people that most commonly believed the urban legend. The survey last August totally agrees with a poll of 2,000 drivers done recently by Insure. com. Of the drivers the company talked to, 46% thought red cars are more expensive to insure because they get pulled over more by police and — as a result — those drivers get more tickets.
• 19.5% like black vehicles
September 2022 | Main Street Industry News | www.pianeia.com | 20
Where the color of a vehicle comes in — says InsuranceQuotes.com — is in the purchase of a vehicle. “Though car color usually will not have an impact on your car insurance rates, white, black, blue, and red cars are usually more expensive to purchase across the board as they are very popular colors,” InsuranceQuotes. com said. “Popular car colors may be more expensive as the demand for them is higher.”
INSUREDS THINK CAR COLOR IMPACTS INSURANCE RATES
Source: Insurance Business America
• Silver is second at 18.5%
• White came in third with 16.2% • Blue is 12.5% And red? It was fifth with just 8.5% of those surveyed liking the color. At this point, you have to wonder if the urban myth has something to do with that.
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September 27, 2022 Contracts Agents Should Read NE/IA Webinar: 12:00PM - 3:00PM
September 13-14, 2022 Ruble: Graduate Seminar (NE) Omaha Omaha Marriott HotelOmaha, NE
register
September 20, 2022 CISR Live Webinar: Insuring Personal Residential Property Live Webinar Live Webinar: 8:00AM - 5:00PM
September 27, 2022 Growing Good Insurance: Using Property & Liability Endorsements to Fortify Farm Risks NE/IA Webinar: 8:00AM - 11:00AM
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 19, 2022 Leadership and Liability: Insuring Executive Risk 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 29, 2022 Commercial Property - Direct vs. Indirect Damage NE/IA Webinar: 8:00AM - 11:00AM
September 2022 | Main Street Industry News | www.pianeia.com | 26
TOP STORIES
September 15, 2022 More Money, More (Insurance) Problems? Mastering P&C Coverage for the Affluent Market NE/IA Webinar: 12:00PM - 3:00PM
September 13-14, 2022 Ruble Live Webinar: Graduate Seminar (NE) Omaha **Hybrid Webinar
September 22, 2022 Personal Lines Coverage Concerns: Annoying But Important NE/IA Webinar: 8:00AM - 11:00AM
September 29, 2022 CISR Live Webinar: Insuring Commercial Property Live Webinar Live Webinar: 8:00AM - 5:00PM
Events Calendar 2022 For information and
September 21, 2022 An Hour with Nicole: Personal Umbrella Issues & Answers NE/IA Webinar: 1:00PM - 2:00PM
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 CPIA 2 ONLINE COURSE: Implement for Success Live Webinar Webinar: 8:30AM - 4:15PM
September 29, 2022 Adventures in Aging: Medicare and Other Retirement Healthcare Solutions NE/IA Webinar: 12:00PM - 3:00PM to Click Here or call (402) 392-1611.
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 Ethics: Essentials for the Insurance Producer NE/IA Webinar: 12:00PM - 3:00PM
Date Class/Webinar Where When
September 2022 | Main Street Industry News | www.pianeia.com | 27 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 InsuranceWebinar: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 TOP STORIES
Allocating time for employees to meet virtually helps reduce virtual distance where employees feel disconnected. Rituals could include team check-ina, monthly team building games, or out-of-office meet ups. The key is to create a sense of togetherness.
3. ENABLE OPEN DIALOGUE
First, it’s important for employees to understand the difference between remote work and flexible work. Next you can create shared goals, which reinforces your agency’s mission.
By meeting with employees frequently— both informally and formally—you will better understand what’s driving them and how they want to grow. Open dialogue can create ways for employees to speak freely. Then it’s up to you to listen to employees' needs and implement changes when needed. For more information about how to motivate and retain agency employees, check out the PIA Partnership’s Winning@Talent program (link). pianational.org/winningattalent
THESE 3 TIPS CAN HELP CREATE A STRONG AGENCY CULTURE REMOTELY.
September 2022 | Main Street Industry News | www.pianeia.com | 28 TOP STORIES Shared experiences are one way to build workplace culture, but how do businesses create these experiences remotely? With more agencies adopting fully remote and hybrid models, new approaches to teamwork can emerge.
3 TIPS
2. CREATE COMPANY RITUALS
STRONGCREATINGFORAAGENCYCULTURE Remotely
1. DEFINE WORK POLICIES & EXPECTATIONS
Brought to you by The PIA Partnership – PIA’s national carrier council. Partnership companies include:
There’s
September 2022 | Main Street Industry News | www.pianeia.com | 29
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