December 2021

DECEMBER 2021

ENTREPRENEUR & INDEPENDENT AGENT

JASON RODRIGUEZ TALKS SHOP

EXCLUSIVE MEMBER MAGAZINE

ALSO INSIDE YEAR IN REVIEW

YOUR CUSTOMERS’ NEEDS OUR RANGE OF OPTIONS We offer your customers a menu of coverage options. From food spoilage loss to cooking equipment protection and more, we’re prepared to serve your restaurant customers.

Trust in Tomorrow.® Learn more today.

To find out more about what we can do for you and your customers, contact David Wehr, Sales Manager, at david.wehr@grinnellmutual.com.

AUTO | HOME | BUSINESS * Products available in Pennsylvania only

grinnellmutual.com “Trust in Tomorrow.” and “Grinnell Mutual” are registered trademarks of Grinnell Mutual Reinsurance Company. © Grinnell Mutual Reinsurance Company, 2021.

DECEMBER

2021

CONTENTS FEATURED 7

> > > > 10

Q&A WITH JASON RODRIGUEZ Jason Rodriguez shares how his entrepreneurial spirit led him to insurance – and how it helped him succeed.

2021 YEAR IN REVIEW See a snapshot of the year – providing association highlights from 2021 and offering a look at how IA&B is poised to support independent agents in the years ahead.

MONTHLY JOIN US ON SOCIAL MEDIA: Facebook.com/IABforME LinkedIn.com/company/IA_and_B Twitter.com/IA_and_B YouTube.com IA&B is the premier resource and champion for independent insurance agents in Pennsylvania, Maryland, and Delaware.

Periodical postage paid at Mechanicsburg, PA and at additional mailing offices. Postmaster: Send address changes to Insurance Agents & Brokers, 5050 Ritter Road, Mechanicsburg, PA 17055.

Primary Agent (ISSN 1543-3110), Permit # 638-620, Issue # 2021-12, is published monthly by IA&B Service Group Inc., a subsidiary of IA&B. Copyright 2021. All rights reserved. No material may be reproduced in whole or in part without written consent of the publisher. The information in this publication is general in nature and not intended to serve as legal, accounting, financial, insurance, investment advisory or other professional advice as to any reader’s particular situation. Users are encouraged to consult with competent legal, financial, insurance, investment advisory and/or other professional advisors concerning specific matters before making any decisions. We disclaim any responsibility for any decisions or actions by readers. Statements of fact and opinion in Primary Agent are the responsibility of the authors alone and do not imply an opinion on the part of the officers or the members of IA&B. Participation in IA&B events, activities and/or publications is available on a non-discriminatory basis and does not reflect IA&B endorsement of the products and/or services.

2

PRESIDENT’S MESSAGE

3

NEWS & NOTES

4

COVERAGE CORNER

14

BOARD OF DIRECTORS

17

EDUCATION SCHEDULE

IABforME.com |

1

PRESIDENT’S MESSAGE

HELP STEER YOUR ORGANIZATION Our board of directors recently resumed in-person meetings. While Zoom meetings sufficed in the interim, there is no replacement for the dialogue and feedback we get from in-person board meetings.

A little background on how this process works. First, IA&B staff is constantly looking for member agents that are willing to serve and able to provide the perspective we need as a board director. During our constant interactions with our members, we “build a bench” of those individuals who have future potential as a director. It’s from this bench that we then officially elect our board of directors – 11 directors from Pennsylvania, four from Maryland, and three from Delaware (based on the ratio of member agents in each of our three states). The board is lead by a chair and a vice chair, resulting in a 20-person board of directors for IA&B. The board meets four times a year, over the course of two days for each meeting. Rest assured, these meetings are not the rubber-stamp variety. Over two days, the board and IA&B staff navigate a full agenda of strategic items, all geared towards providing IA&B staff the direction needed to deliver quality programs and services to our members. We do not vote at the IA&B board meetings – we find that arcane and divisive.

Instead, we constantly seek consensus – meaning that each and every director is comfortable with a decision and formal action to be taken.

The constant question the board operates on during these meetings is, “[d]o we have adequate knowledge and understanding about our members’ wants, needs, and preferences that is relevant to the decision?” Any discussion item, or decision point, revolves around this. IA&B prides ourselves on putting our members’ interest first and foremost, and this begins with our board meetings.

To that point, we included a directory of our board in this publication and on our website. Our directors fully expect to hear from membership. Please reach out to your board of directors and provide them the comments, feedback, and concerns that will help them perform their duties.

IA&B is your organization, and it is steered by your board of directors.

These volunteers are integral to our operation. Whether you have interest in serving as a director (please reach out to me) or you want to provide valuable feedback to our directors, take advantage.

Best,

Jason F. Ernest President & CEO 2

DECEMBER 2021

INSURANCE AGENTS & BROKERS 5050 Ritter Road | Mechanicsburg, PA 17055 191 Main Street | Annapolis, MD 21401 800-998-9644 | IABforME.com Editor: Karen Robison KarenR@IABforME.com 800-998-9644, ext. 606 Contributing editors: Jennifer Ross, Megan Fioretta Sales Account Executive: Laura Gaenzle laura.gaenzle@theygsgroup.com 717-430-2351 STATEMENT OF OWNERSHIP, MANAGEMENT, AND CIRCULATION Title of Publication: Primary Agent Publication Number: 0274-9025 Date of Filing: September 30, 2020 Number of Issues Printed Annually: 12 Annual Subscription Price: no subscriptions Complete Mailing Address of the Headquarters or General Business Office of Publisher: 5050 Ritter Road, Mechanicsburg, PA 17055-4879 Publisher: IA&B Service Group Inc. 5050 Ritter Road, Mechanicsburg, PA 17055-4879 Editor: Karen Robison 5050 Ritter Road, Mechanicsburg, PA 17055-4879 Owner: IA&B Service Group Inc. 5050 Ritter Road, Mechanicsburg, PA 17055-4879 The purpose, function, and nonprofit status of this organization and the exempt status for federal income tax purposes has not changed during the preceding 12 months.

Extent and Nature of Circulation A. Total number of copies B. Paid Circulation 1. Mailed Outside-County Paid Subscriptions 2. Mailed In-County Paid Subscriptions 3. Paid Distribution Outside the Mails 4. Paid Distribution by Other Classes of Mail C. Total Paid Distribution D. Free or Nominal Rate Distribution 1. Free or Nominal Rate OutsideCounty Copies 2. Free or Nominal Rate In-County Copies 3. Free or Nominal Rate Copies Mailed 4. Free or Nominal Rate Distribution Outside the Mail E. Total Free or Nominal Rate Distribution F. Total Distribution G. Copies not Distributed H. Total I. Percent Paid

Avg. No. of Copies Each Issue During Preceding 12 Months

No. Copies of Single Issue Published Nearest to Filing Date

1,380

1,375

1,342

1,346

0

0

0

0

0

0

1,342

1,346

0

0

0

0

0

0

0

0

0 1,342 38 1,380 100%

1,346 29 1,375 100%

NEWS & NOTES ARTHUR HALL INSURANCE Congratulations to IA&B member agency Arthur Hall Insurance on its 55th anniversary. Established in 1966, the firm has offices in West Chester, PA and Wilmington, DE. Is your agency celebrating a milestone?

Email submissions to IA&B Public Relations Director Karen Robison at KarenR@IABforME.com.

Arthur Hall Insurance Leadership Team: (l to r) Sr Vice President Glenn D. Burcham, CIC, CRM; Operations Manager Karen L. Leary, CIC, CISR; President James S. Denham, CPCU, CIC; Vice President Nicole C. Grebloskie, CAPI, CIC, CISR; Exec Vice President Mark D. Sammarone, CIC, CISR; Vice President Joshua J. Isler, CIC ®

EDUCATION SCHOLARSHIPS Take advantage of this member benefit.

Member agencies can now apply for the next round of IA&B insurance education scholarships. Scholarships will be awarded to member agencies for staff to attend CIC and CISR courses, CPIA seminars, and CE webinars.

Return the one-page application

by Thursday, Dec. 16, and watch for announcement of the recipients on Wednesday, Jan. 12.

IA&B introduced this scholarship program in late 2018 to develop new talent and support existing agency staff through insurance education. Each year, IA&B awards about $10,000 in scholarships.

IABforME.com/IAB-education-scholarships IABforME.com |

3

THE GRINCH THAT STOLE CHRISTMAS (THROUGH SUPPLY-CHAIN DISRUPTION)

By Kevin C. Amrhein, CIC, CBIA “For Christmas this year won’t be ruined by I, but rather by stores all short on supply.”

-The Grinch, 2021 Confession: the quote isn’t real.

But when it comes to ruining the holidays, there’s a new Grinch in town, and his dirty tricks of choice are empty store shelves and full container ships still waiting to port.

If 2020 will go down in history as “that year we couldn’t do anything,” 4

then 2021’s legacy will be “that year we couldn’t get anything.” Reports of supply shortages are relentless and threaten the livelihood of businesses desperate for raw materials and finished goods. Covid, labor shortages, surging demand, and weather are commonly cited as culprits.

But this is a column about insurance, so here’s why I’m doing this to you.

Businesses interested in mitigating the severity of supply-related losses may consider insurance.

DECEMBER 2021

FIRST, THE REALLY BAD NEWS Insuring financial losses stemming from supply-chain disruption is challenging for many reasons.

Perhaps the biggest hurdle is the broadness (or more accurately, lack thereof) of available cover.

For example, finding a policy that includes governmental action (e.g. ordered port closure due to Covid outbreak) or labor shortage as triggers for coverage will be difficult.

COVERAGE CORNER Further, supply-chain disruptions often manifest outside of the United States, creating obvious coverage territory issues for many commercial property insurance policies.

In summary: for many insureds, agents should prepare to play the “this coverage isn’t good but it’s what I can find and I need you to see that I tried” game.

SECOND, THE NOT AS BAD (BUT STILL NOT GOOD) NEWS A policy which responds to triggers typically covered by commercial property insurance, such as fire or explosion, may be available from some insurers either as a separate policy or by endorsement to the time element coverage. Further, some insurers may offer an option to broaden the coverage territory.

Unfortunately, standard property insurers may hesitate to extend coverage to losses occurring at points in the supply-chain, requiring the insured to seek it out in the more restrictive/expensive nonstandard marketplace.

In summary: while there is hope for some insureds, others will find market capacity restricted. Agents will find that for many insureds, all roads lead to E&S.

THIRD, THE GOOD NEWS FOR SOME INSUREDS While market capacity will prove challenging for some insureds, others may find some coverage for supplychain disruption resulting from a Covered Cause Of Loss is included in the BOP. Other insureds may be able to add some supply-chain coverage using an endorsement like ISO’s CP 15 08 – Business Income From Dependent Properties – Broad

Form. Further, the insured may be able to remove coverage territory restrictions through the addition of an endorsement such as ISO’s CP 15 01 – Business Income From Dependent Properties Limited International Coverage.

In summary: if the insured’s class of business helps to negate market capacity challenges, or if the insured has a BOP, the agent may have some coverage already available to discuss with the insured or at least have a cleaner path to a quote.

FOURTH, THE GOOD NEWS FOR EVERYONE Financial harm resulting from a supply-chain disruption is often a result of risk management. Thus, with proper planning, mitigation is possible for any business regardless of insurability. The P&C agent is well-positioned to start a conversation and get the insured’s wheels turning regarding their place in the chain and contingencies.

In summary: agents can approach any insured with the goal of selling an insurance product. However, agents must concede that lack of a sale does not equal failure. The P&C agent can play a meaningful role in the insured’s effort to preserve its business by simply starting a conversation. In the March 2019 edition of Primary Agent, I wrote a column which provides suggestions for agents willing to have that conversation, as well as a simple strategy for contingency planning. The archive is accessible at issuu.com/primary_ agent. I said it then, and I’ll repeat it today: a conversation about supply-chain management and disruption could SAVE THE LIFE of your insured’s business.

IABforME.com |

That’s all for now. Until the next round … cheers!

Kevin C Amrhein, CIC, is IA&B's education consultant. He works with our CISR and CIC programs, as well as our special topic seminars and live webinars. Catch him at one of our upcoming professional training offerings: IABforME.com

COVERAGE COURSES

|

Learn more about commercial lines coverage and earn CE with these upcoming live webinars.

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CE

3 CREDITS

COMMERCIAL INSURANCE COVERAGES, COURT CASES & CHAOS DECEMBER 16 1-4 PM

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3 CREDITS LOSS CONTROL CREDIT for Utica policyholders

Member price: only $75.

Register today. IABforME.com 800-998-9644, option 1

5

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OVER

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OUR DUTY IS TO KEEP WORKERS PROTECTED.

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Thank you for your business and Happy New Year.

Commercial Lines | Personal Lines See state availability at www.guard.com

6

DECEMBER 2021

9

ON THE COVER

Q&A with

JASON RODRIGUEZ Jason is CEO at Prominent Insurance Services in Wilmington, DE. He also serves as chairman of the Delaware Association of IA&B. Q. First and foremost, what (or who) prompted you to enter the insurance industry?

A. I got into insurance because I had a transportation company and was paying a lot in insurance. As an entrepreneur, I wanted to know how I could get some of that money back. This prompted me to have a conversation with my agent at that time and ask all about insurance. This was my introduction to the industry.

Q. What do you know now that you wish you’d known when you first opened your agency? We’re looking for lessons learned – the hard way!

A. I wish I would have learned to find a mentor to teach and train me. I was all over the place with no clear direction of what line of business I wanted to go after. Not having a clear vision had me waste a lot of time going after generations... business thatThree was not my ideal client.

Q. Thinking ahead, what challenges and opportunities do you foresee for the industry in the next few years? And how are you and your agency preparing?

A. I see the industry being disrupted by insurtech companies, and we, as agents, must adapt to make the end-user experience more enjoyable and streamlined.

Q. How do you define success – personally or professionally?

A. I define success personally to be a person of integrity, morals, values, and respect. To be the example that you desire to see in the world. Also to do my part on making this world a better place to live.

Q. You’re on the Delaware Association of IA&B Government Relations Committee and have attended the Big “I” National Legislative Convention several times.

What drives your interest in politics?

A. What drives my interest is regulation, and also making our government representatives aware of our industry and how we can help them serve their constituents.

Q. Let’s play ‘Five Favorites’! What’s your favorite …?

Q. On the flipside, what did you get right from the beginning?

A. Way to network? In-person events

A. Being an entrepreneur, I knew how to sell right from the beginning. This is what allowed me to stay in business during the first years after obtaining my license.

A. Way to unwind? Long drives

A. Tech tool for work? iPhone

A. Sports team? New York Giants A. Benefit of IA&B membership (shameless plug!)?

The staff (*smiling*)

IABforME.com |

7

IA&B PARTNERS PROGRAM

OUR FEATURED PLATINUM PARTNER Insurance Agents & Brokers proudly recognizes Main Street America Insurance as one of its Platinum Partners. IA&B Platinum Partners dedicate the highest level of sponsorship to our organization.

OUR COMPANY Main Street America Insurance CORPORATE HEADQUARTERS Jacksonville, Florida Chris Listau, CEO Northeast Region Headquarters Syracuse, New York Northeast Region President Jonathan Spacher Northeast Region Sales Directors Lisa Brannigan – Delaware, Maryland, Pennsylvania, New Jersey Kristin Schoenbach – New York Northeast Region Field Representatives Stacey Backhaus (Eastern NY) Joshua Bastian (Hudson Valley NY) Steven Burns (MD) Judy Jack (Western NY) Martin Kyper (Central PA) Eric Morrissette (NY) Gary Reisman (NJ) David Roshala (Western PA) Beth Summerville (Central NY) LeeAnn VanParys (Finger Lakes, NY) Northeast Region Markets Delaware, Maryland, New York, Pennsylvania A.M. BEST RATING A (Excellent)

8

The Main Street America Group’s rich history began nearly 100 years ago when we formed our company to serve the insurance needs of Grange fraternity members. Today, Main Street America’s affiliated insurance companies provide a full line of competitively priced personal lines and commercial lines products and services to individuals, families and small businesses in 37 states, and fidelity and surety bond products in 47 states and the District of Columbia.

DECEMBER 2021

IABforME.com/Partners2020

We annually write more than $1.1 billion in premium, have surplus of over $628 million and more than $2.6 billion in total assets.

In 2018, Main Street America merged with American Family Jonathan Spacher Insurance, the nation’s 13th-largest property/casualty insurance group, becoming the enterprise’s channel to distribute products through independent agents.

Through our eight “A” rated property and casualty writing companies — including our largest carrier, NGM Insurance Company — we partner with 3,000 independent agents to provide superior, personalized service to over 600,000 policyholders.

As the founding company partner of the Trusted Choice® brand, Main Street America is fully committed to the independent agent distribution channel. We strive to meet the needs of our customers (agents), and our customers’ customers (policyholders), better then anyone else in the market.

Thank You

Thanks to these partners for supporting the independent agent network.

PLATINUM PARTNERS ACUITY Erie Insurance Main Street America Insurance Millers Mutual Group Nationwide Insurance Company Penn National Insurance Plymouth Rock Assurance GOLD PARTNERS Amalgamated Specialty Group Chesapeake Employers Insurance Company Chubb Donegal Insurance Group EMC Insurance Companies Farmers Mutual Fire Insurance Company of Marble Keystone Insurers Group Inc Lackawanna Insurance Group Liberty Mutual Business & Safeco Insurance MMG Insurance Company Mutual Benefit Group Narragansett Bay Insurance Company Progressive

BECOME A PARTNER TODAY

To become our customer and represent Main Street America in your market, please visit msainsurance.com/becomeanagent.

Interested in becoming a partner?

Reach out today.

** A.M. Best’s rating of “A” (Excellent”) applies to The Main Street America Group and its eight affiliated writing companies. Ratings listed hereinare as of Feb. 25, 2019, are used with permission of A.M. Best, and are subject to changes by the rating service, For more information about ratings, please access www.ambest.com

Tim Wonder IA&B VP-Membership 800-998-9644, ext. 351 TimW@IABforME.com

IABforME.com |

9

YEAR IN REVIEW

2021 Year in Review This year tested all of us. While 2020 pushed us to adapt, 2021 taught us resilience. Economic and public health woes ebbed and flowed and, in turn, impacted our agency, staff, and clients in unexpected ways.

January

At IA&B, we strived to maintain the core products and services for which you rely on us, while staying nimble and responding your changing needs.

We also celebrated each step along the way to a return to “normalcy.”

The following is a snapshot of the year – providing association highlights and offering a look at how we’re poised to support your agency … no matter what lies ahead.

February

FEB. 9 Expanded Independent Market Solutions (IMS) – a new market access program for IA&B members – with the addition of MetLife

10

JAN. 8 Awarded $6,000 in insurance education scholarships to IA&B members for full CIC and CISR designations, as well as individual courses for CIC, CISR, licensing study courses, and CE webinars

JAN. 12 Hosted a webinar with our partner Work At Home Vintage Experts (WAHVE) to help members find, hire, and onboard employees in a remote work environment

March

MARCH 24 Testified before Delaware state lawmakers on two pieces of insurance legislation – one which would suspend certain uninsured driving fines and another which would address “storm chasers” DECEMBER 2021

MARCH 26 Awarded licensing exam prep scholarships to three aspiring insurance producers

YEAR IN REVIEW

April

APRIL 8 Advocated in Harrisburg in support of bills that would provide limited immunity from COVID-19related lawsuits and establish an anti-indemnity statute for construction contracts

APRIL 22 Hosted a virtual meeting between IA&B members and Pennsylvania Congressman Scott Perry, as part of the Big “I” Legislative Conference

June

JUNE 2 Hosted a webinar featuring IA&B HR Consultant Karen DiGioia who shared regulatory considerations and offered management advice for the post-pandemic workplace

JUNE 21 Launched a new website with simplified navigation and more self-service options

May

MAY 5 Introduced small, commercial lines insurer Coterie as the newest addition to the IMS market access program

JUNE 21 IA&B Government Affairs Director Lauren Brinjac and IA&B Board Member Chris Miller, CIC, testified before the Pennsylvania State Banking & Insurance Committee in favor of legislation to eliminate stacking completely and remove the restriction on UM/UIM limits IABforME.com |

July

JULY 14 Hosted MMG Insurance for our first in-person meeting since the pandemic began

JULY 15 Introduced the Donegal Insurance summer interns to the independent agency system

Continued on page 12

11

YEAR IN REVIEW

September

August

“I am excited to get this scholarship and am thankful for the confidence IA&B has in me.”

– Prem Sunder, recipient of the IA&B fall 2021 full CIC designation scholarship

AUG. 25 Expanded the IMS market access program again with the introduction of Frederick Mutual Insurance Company SEPT. 15 Reintroduced in-person insurance classes with a CISR Commercial Casualty I course – our first in a classroom setting since March 2020

October

SEPT. 17 Awarded over $6,000 in insurance education scholarships to member agencies and their staff for designation programs

November

OCTOBER 2021

EXCLUSIVE MEMBER MAGAZINE

NOV. 5 Hosted a Young Agents’ Virtual Roundtable Discussion, moderated by the 2020 and 2021 IA&B Young Agent Award winners

ALSO INSIDE COVERAGE CONCERNS FOR BETROTHED CLIENTS NON-RESIDENT PRODUCER LICENSING

OCT. 1 Announced the three recipients of our second annual IA&B Young Agent Award

12

OCT. 20 Celebrated the return of Pittsburgh I-Day (following a pandemic hiatus) by hosting the Pirate Parrot at the IA&B booth DECEMBER 2021

DON’T “HORSE AROUND” THIS HOLIDAY SEASON.

HELP PROTECT YOUR FARM NOW!

FROM THE FARM AND RANCH PROFESSIONALS AT

Bow, NH 877.552.2467 • www.aimscentral.com

Policies are underwritten by Great American Insurance Company, Great American Insurance Company of New York, Great American Alliance Insurance Company, and Great American Assurance Company, authorized 13 insurers in 50 states and the DC. Products not available in all states. © 2021 Great American Insurance Company, 301 E. Fourth St., Cincinnati, OH 45202. 5619-AGB (09/21)

BOARD OF DIRECTORS

Gregory H. Bennett

Famous & Spang Associates Aberdeen, MD

Christopher J. Miller, CIC Miller Insurance Protection Team Jonestown, PA

Donna Roper McConkey Insurance & Benefits York, PA

Sheila Wells, CIC, CISR Williams Insurance Agency Rehoboth Beach, DE 14

Sarah M. Brown, CIC, CRM, AFIS

Andrew Enders, Esq.

Keller Brown Insurance Services Shrewsbury, PA

Enders Insurance Assocs.

Harrisburg, PA

Michael A. Papa, CIC, MBA

Diversified Insurance Industries, Inc. Hunt Valley, MD

D. Bradley Rosenkilde, Jr. IA&B Service Group Vice Chair R&A Insurance, Inc. Hunt Valley, MD

Candace Shoupe, AAI, AIC Clark Baffone & Matthew Insurance Agency New Castle, DE

J. Marshall Wolff, CIC, CPCU Kressler Wolff & Miller, Inc. Easton, PA DECEMBER 2021

William H. Purdy Purdy Insurance Agency, Inc. Sunbury, PA

2021- 2022

Len Gieseler , LUTCF Evans Hauseman & Richard, Inc. Pottstown, PA

Jason R. Hess HHM Insurors Coraopolis, PA

Richard M. Rankin, CIC IA&B Service Group Chairman Murray Insurance Associates, Inc. Lancaster, PA

Tara S. Silfies, CPCU Hampson-Mowrer Agency, LLC Bethlehem, PA

Kent Reynolds, CIC Blue Ridge Risk Partners Hagerstown, MD

Robert L. Smyrl, Jr., CIC Robert L. Smyrl, Inc. Hatfield, PA

Lisa A. Leach Goth, CIC

Charles P. Leach Agency, Inc. New Bethlehem, PA

Jason Rodriguez

Prominent Insurance Services Wilmington, DE

Michael Thomas Lighthouse Insurance Services Gambrills, MD

N AT I O N A L D I R EC T O R S PIA Michael P. Ertel, Sr. The Jacobs Company, Inc. Columbia, MD

IIABA (DE) Diana Hornung Hanby IOA National, Inc. Wilmington, DE

IABforME.com |

IIABA (PA) G. Greg Gunn, CIC Gunn-Mowery, LLC Lemoyne, PA

15

Are you shopping your

SAVE TIME & MONEY on Recruiting | Hiring | Training WAHVE is an innovative contract staffing solution that matches retiring professionals to fill your staffing needs.

E&O?

Get started!

Go to IABforME.online/insurance and complete the questionnaire Or contact David Wertz, CPIA 800-998-9644, ext. 506 DavidW@IABforME.com Contact Bill Hunt at WAHVE today!

Bill.Hunt@wahve.com • 646-807-4372 ext. 3757 *Mention your IA&B membership for a discount on set-up fees.

IA&B MEMBERSHIP MEANS

M ARK E T ACCE S S

IA&B works on your behalf to ensure that state legislators and regulators understand the issues affecting agents.

• You will be the agency of record on all policies • No initiation or monthly fees • Low to no volume commitments

And your financial support amplifies your message.

• Standard commission rates • 100% ownership of expirations

Please consider contributing.

More information at IABforME.com/AgentPAC

16

DECEMBER 2021

• A broad mix of standard and niche markets that are state specific

IMSaccess.com

Contact Tim Wonder, VP - Membership TimW@IABforME.com • 800-998-9644, ext. 351

Thank You

to these SILVER PARTNERS for supporting the independent agent network.

Accident Fund Insurance Company of America Agency Network Exchange LLC Amwins Program Underwriters Inc Auto-Owners Insurance Company BBSI Berkshire Hathaway GUARD Insurance Companies Brethren Mutual Ins Co Briar Creek Mutual Ins Co CM Regent Insurance Company Cumberland Mutual Farmers Mutual Insurance Company Of Western Pennsylvania Frederick Mutual Insurance Co GMI Insurance Goodville Mutual Insurance Group Grinnell Mutual ICW Group Insurance Co Illinois Casualty Company Johnson & Johnson Kemper Auto Lebanon Valley Insurance Company Method Insurance Services Millville Mutual Insurance Company National General Openly Insurance Pathpoint Pie Insurance Rockwood Casualty Insurance Selective Insurance Company TAPCO Underwriters Inc The Hanover Insurance Group The Insurance Alliance Network Travelers Tuscarora Wayne Ins Co UFG Insurance Universal Property & Casualty Ins Co Westfield Insurance Windsor Mount Joy Mutual Ins Co Learn more about the IA&B Partners Program by visiting IABforME.com/ partner-members.

EARN CE WITH IA&B

E D U C AT I O N SCHEDULE DECEMBER 2021 Register today! 800-998-9644, option 1 IABforME.com/education CLASSROOM DATE TOPIC

LOCATION

Dec 1

CISR-Personal Lines Miscellaneous

Mechancisburg, PA

Dec 2

CISR-Personal Lines Miscellaneous

Mechancisburg, PA

Dec 7

CIC-Commercial Property Institute

King of Prussia, PA

Dec 14

CISR-Commercial Casualty II

Reading, PA

LIVE WEBINARS DATE TOPIC

TIME

Dec 1

Autos, Garages and Dealers - Knowing the Difference

9AM-12PM

Dec 1

Hour with Cathy: Truly Awful CGL Endorsements

2-3 PM

Dec 1

CISR-Personal Auto

8AM-3:45PM

Dec 2

Flood Insurance and the NFIP

9AM-12PM

Dec 2

Agent’s E&O: Duties, Operations, Checklists and More

1-4 PM

Dec 7

The Evolution of Ethics in Insurance

9AM-12PM

Dec 7

Insuring Commercial Transportation Exposures

1-4 PM

Dec 7

Property & Casualty Licensing Study Course

8AM-5PM

Dec 8

CISR-Agency Operations

8AM-3:45PM

Dec 9

Homeowners in Real Life: Tales of Claims & Coverage

1-4 PM

Dec 14

This for Real? Understanding & Insuring Emerging Risks

9AM-12PM

Dec 14

Chris Amrhein’s Understanding SS & Medicare

1-4 PM

Dec 15

Hour with Nicole: Homeowners Loss Settlement Issues

2-3 PM

Dec 16

Cyber - Evolution, Exposures, Incidents & Insurance

9AM-12PM

Dec 16

Commercial Insurance Coverages, Court Cases & Chaos

1-4 PM

IABforME.com |

17

G

o O

Gain intellectual capital from the highest caliber agents Increase your agency’s contingent and incentive revenue Simple contract model and minimal membership fees Business resources are hand-selected by our members Outperforming the industry

Find Out What the ANE Advantage is Today 800.700.9643 information@ane-agents.com www.ane-agents.com