2023 Maine Viewpoint

MAINE VIEWPOINT 2023

Maine Insurance Agents Association

FOR PAST,

AND FUTURE GENERATIONS

The Concord Group is exclusively committed to the success of the Independent Agency System, our Maine partners, and to serving the diverse needs of your insureds.

We are pleased to present you with our annual membership directory! Inside you will find detailed information, including costs and ordering procedures for many of the products and services offered through the MIAA, IIABA and PIA National.

Our goal is to provide independent agents with the necessary tools to run successful agencies and to better serve their customers.

Thank you to our company partners for their continued support of the independent agency system. We encourage you to consider our partners first when making decisions that impact your agency. A list is included in this directory, as well as on our website. Please take the time to thank them for all they do for YOUR association!

Lastly, a big thank you to our volunteer Board of Directors who give so much of themselves for the betterment of our industry! We appreciate your support!

Sincerely,

Lisa

Lisa L. Veregge, CAE President

O U R S T O R Y

The MIAA is a not-for-profit trade association representing independent insurance agencies across the State of Maine.

Membership in the MIAA results in the assurance of the highest level of representation and support services available in the industry. Our efforts are directed towards the effective delivery of valuable products and services to our members so as to insure, enhance and enable them to better serve their clients.

The MIAA is a member of the Independent Insurance Agents and Brokers of America (IIABA) and the National Association of Professional Insurance Agents (PIA).

The IIABA was founded in 1896 and is a voluntary association of independent state associations. The IIABA or Big “I” as it is known is the largest producer association in the country, representing approximately 280,000 independent insurance agents and their employees in 28,000 agencies across the nation.

The National Association of Professional Insurance Agents (PIA) represents independent insurance agents in all 50 states, Puerto Rico and the District of Columbia. They operate cutting-edge agencies and treat their customers like neighbors, providing personal support and service.

Together, the IIABA, PIA and MIAA provide the most comprehensive package of high-quality, professional products and services available in the industry today. These services include, but are not limited to the following:

Agency Management

Education

Insurance/Financial Plans

Legislative

Industry Relations

Marketing Tools

Public Relations

Product Discounts

Publications

Seminars & Conventions

Technology

Collectively, we feel that these programs are an invaluable, and virtually indispensable aid to the independent insurance agency.

The long-range goals and policies of the MIAA are established by our Executive Committee.

The decision-making process includes the active involvement of our Board of Directors, which consists of 15 agents from all areas of the state.

Our mission is to represent, support and promote independent insurance agents.

B O A R D O F D I R E C T O R S 2 0 2 2 - 2 3

EXECUTIVE COMMITTEE

CHAIRMAN

Jeff Shaw, CIC

Clark Insurance

PO Box 3543

Portland, ME 04104

207-774-6257

jshaw@clarkinsurance com

PAST CHAIRWOMAN

Laurie Billings

Sevigney-Lyons Insurance Agency

1662 Post Road

Wells, ME 04090

207-641-2254

Laurie@sevigney-lyons com

CHAIRWOMAN ELECT

Sarah Fisher

Sanford Insurance Agency

50 Market St., Suite 1A, Box 141 South Portland, ME 04106 207-490-5330

sfisther@sanfordins.com

VICE CHAIRWOMAN

Ashley Rosborough, CIC

J T Rosborough, Inc

PO Box 548

Ellsworth, Me 04605

207-667-7101

ashley@jtr-inc.com

IIABA NATIONAL DIRECTOR

Wendy Tapley

Tapley Insurance Agency

300 York Street York, Me 043909

207-363-7894

wtapley@tapleyagency com

PIA NATIONAL DIRECTOR

Danielle Marquis, CPCU

HB Insurance PO Box 369 Oakland, ME 04963

207-465-2531

Danielle@insureWITHHB.com

B O A R D O F D I R E C T O R S 2 0 2 2 - 2 3

BOARD MEMBERS

Mark Bailey, AAI

Readfield Insurance Agency

PO BOX 660

Manchester, ME 04351

207-620-7276

Mbailey@readfieldinsurance com

John Bilodeau, CPCU, CIC Bilodeau Insurance Agency

92 Pleasant Street

Brunswick, ME 04011

207-721-8347

john@bilodeauins com

Peter Clavette, CIC United Insurance

PO BOX 159

Madawaska, ME 04756

207-728-6366

PeterClavette@unitedinsurance net

rold Clark, Jr. ark Agency

Elm Street

lais, ME 04619

7-454-8800

clarkinsurance@myfairpoint net

Thomas Bearor

Varney Agency | Ins & Bonding 32 Oak St

Bangor, ME 04401

207-262-0109

tbearor@varneyagency com

Patrick Maguire, CIC

Brown, Holmes & Milliken Agency PO BOX 707

Ellsworth, ME 04605

207-667-5578

Patrickm@bhm-ins com

Laurie Noel Cross Insurance 745 Roosevelt Trail

Windham, ME 04062

207- 892-7996

Lnoel@crossagency com

Stacy Johansen, CIC Downeast Insurance, LLC 151 Main St

Richmond ME 04357

207-373-1683

sjohansen@downeastinsurance com

Brad Stokes

Morton & Furbish Agency

PO Box 130

Rangeley, Me 04970

207-864-3334

bstokes@mfinsurance.net

Your Association Staff

Lisa Veregge, CAE President & CEO

Gayle McPherson Insurance & Financial Administrator

Lynda Holt, ACSR Benefits Coordinator & RLI Administrator

Shannon Gorman, AAI Director of Education & Conferences

Stephanie Brown, ACSR, CIPA Communication Manager/YAC Liaison

Dan Bernier Lobbyist

Upgrade your flood experience with three lile moves.

Point.

“Our agency was approached by our Selective territory manager, Gregg Porter, to roll a portion of our flood business from another carrier to Selective. We were pleasantly surprised at how easy and seamless the whole pr ocess was. Gregg came into our office and basically did all the work for us. We had a high success rate and couldn’t be happier with Selective. Their customer service representatives and underwriters are very knowledgeable, friendly and always helpful. We are very satisfied with the whole experience and with Selective!” – IIABL Member

Selective makes the transfer process easy and profitable for IIABA members. Selective does not use any third party administrators for our processing, which allows us to tailor a transfer plan that works for both you and your customers. Our team will work directly with your agency to collect the required underwriting documents. Then our rollover underwriting team will handle the processing, including sending out a letter to your customers letting them know of the change We also provide you with a real-time rollover tracking report to help monitor the status of the transfer.

Selective offers competitive commissions and transfer incentives for rollover business

Selective began writing flood insurance in 1984 and has been the IIABA endorsed flood carrier since 2001. Point, click, roll and join us today!

To discuss transfer opportunities, or to place new lood business with

Selective, contact: Don Burke National Flood Marketing Manager Selective Insurance

don burke@selective co m (765) 577-0330

RT Binding Authority - Boston

Simply stated, our underwriters are here to provide access to solutions for retail agents and brokers. Call on the expertise of our underwriters to quote top-notch solutions for your insureds. With access to a variety of admitted and non-admitted markets, our in-house binding agreements allow us to combine quick turnaround with the authority to secure coverage, oftentimes, regardless of the complexity of risk

Here’s a small sample of the classes we regularly see. If you don’t see your insured’s need listed, just call and one of our underwriters will gladly discuss your insured’s specific situation. Some classes are eligible for both monoline and package coverages.

Vacant Coastal Distressed Habitational Warehouse

/ Operators

Subsidized / Student housing Shopping centers / Office buildings

High net worth clients

Personal articles floaters

Primary, secondary, and seasonal homes

Primary & excess personal umbrellas and liability

1-4 family dwellings

Data processors

Diet and fitness coaches

Distributors

Document storage & destruction services

Employment agents

Encryption services

And more!

$1-25 million limits

With or without underlying GL

Restaurant / Bar

Special events

BYOB / Host Caterer

Nightclub

Retail

Direct appointments with most major mono-line guaranteed costs carriers

Broad appetite across all industries

Ability to place loss sensitive plans

Garage Inland marine Auto

BOR’s accepted BOP / Package

Many markets dep

Builder’s risk

Contractor’s equipment

Motor truck cargo Crime

Miscellaneous professional

Garage – dealers & valet parking

Inland marine

Assistant Vice President

mamadou.bah@rtspecialty.com

Assistant Vice President

kerri.welsh@rtspecialty.com

Mamadou Bah

Kerri Welsh ASLI AU AINS CIC - Laura Daniels

Are Your Clients Carrying Adequate Limits?

by Curt Pearsall, CPCU, AIAF, CPIA President – Pearsall Associates, Inc and Consultant to the Utica National E&O Program

Most E&O carriers report that 6-8% of all E&O claims involve the issue of inadequate policy limits. This article focuses on liability limits, including umbrella coverage for personal and commercial clients.

There are two E&O claim buckets: one filled with the issues that will be part of your agency’s defense, and the other filled with the issues the plaintiff’s attorney will use to find your agency negligent. Your goal should be to have a strong defense that protects your agency

DOs AND DON’Ts

Benchmarking data is available for many commercial industry classifications and indicates what clients of a certain size (revenue, sales, etc ) are carrying as policy limits While this has benefits, exercise caution – this data does not mean that the limits noted are appropriate for your client. The following tips can help you address limits – and can be included in your “defense bucket” at the time of an E&O matter:

DO NOT simply duplicate the coverage a new client currently has. Make a concerted effort to better understand your client and determine the potential liability issues and ramifications Discuss “what’s your typical liability claim” as well as “what’s the worst that could happen.”

DO include additional limit options (such as additional umbrella limits) or a statement like “higher limits are available upon request” in your proposal if the client states “just give me the same limits I have now.” Require the client to sign off on the limit they are choosing and those limits they are rejecting This “customer accountability” can be a strong element of your agency’s defense.

DO NOT recommend a specific limit! Recommending a limit implies to the client that this limit will be adequate if they have a claim.

DO NOT assume the client does not need higher limits or an umbrella. There are many stories involving agency staff that did not address having an umbrella because they did not believe the client had the assets worth protecting. A common misconception is “they can’t sue you for what you don’t have ” But they can and will – and this may include garnishing wages for years to come.

DO include language about limits in your cover letter to the client. Include wording such as “Please note that the policy limits are those you have chosen, and we cannot guarantee they will be sufficient at the time of a claim.”

BOTTOM LINE: Predicting the size of a liability claim is virtually impossible Following a few best practices can play a key role in your agency’s defense if a problem develops.

Wherever your agency is going, we’ll be there.

A lot has changed over the last few years in the industry, in the market, in the world.

Through it all, The Hanover remains committed to your success, and the success of the independent agency channel.

We provide creative solutions that respond directly to needs – today’s and in the future

We create bold new capabilities in specialized markets – powering your growth, reinforcing your expertise and fueling continued success.

We are committed to your tomorrow.

hanover.com

Independent Agent (IA) Magazine

The IA Magazine is the award-winning magazine published monthly for Big 'I' members only The content, available in print and online, gives you up-to-date articles on relevant & Timely Topics. Free to members.

Insurance News & Views Newsletter

IIABA’s bi-monthly newsletter filled with articles on issues that affect the entire independent agency system Free to members

Virtual University Ask & Expert

The Big 'I' Virtual University is the smarter way to build your knowledge base through online education and research and more that 18,000 pages to find answers to tough questions Free to members

“VU Point” Newsletter

Each issue of this bi-weekly email newsletter includes articles on personal lines, commercial lines, agency management, sales and marketing, customer service, and technology and the Internet Free to members

“Two for Tuesday” Newsletter

Weekly email newsletters for Big “I” Markets (BIM) users Full of insightful/reader-friendly content regarding product information and user testimonials, Two for Tuesday is the number one resource for BIM users to stay abreast of the latest products, services and ideas for application Free to members

Agents Council for Technology (ACT) News

ACT News provides you with information on the current trends in technology for insurance agents It also features technology tools and resources available to members. Free to members.

"E&O Guardian" Website

Dive into a wealth of risk management resources available to Swiss Re Corporate Solutions policyholders Access claims prevention tools and resources along with current news and information Free to Westport Insureds.

Utica Online Resources

Provider access to tools and information that can help minimize the change of an E&O Incident

A G E N C Y M A R K E T I N G

Trusted Choice and trustedchoice.com

Whether you are looking for qualified leads or need help marketing your agency, Trusted Choice has tools and resources available to you, many free of charge

Trusted Choice Agents Resources

Members automatically get access to these materials that will benefit your business and in turn your bottom line

Customized Advertisements

Let us customize a campaign ad in a format of your choice, from radio, TV and various print materials Trusted Choice marketing materials are designed with your agency in mind, and our in-house designer will customize these materials for you for free.

Content to Share

Access our database of pre-made consumer marketing materials including articles, images for social media or infographics to share with potential and current clients

Training Modules available to help improve your agency

Advertising 101– A nine part series designed to help you understand, design and execute a successful advertising campaign

The Power of 30 Seconds - Designed to help you maximize the experience of customers calling your agency on the phone

Leveraging Your Membership WebinarLearn how to differentiate your agency from the competition.

Digital Reviews

Digital Reviews provide a one-on-one consultation and detailed report on how you can improve your agency website and social media outlets

Branding Reimbursement

Trusted Choice will reimburse a portion of expenses incurred by Trusted Choice agencies in cobranding advertising and marketing materials

TrustedChoice.com

TrustedChoice.com leverages the power of the internet to connect with consumers to help your agency grow. Members receive the basic subscription free but think about upgrading to the Advantage Profile. Think of Advantage as your agency’s second digital door. The platform creates thousands of connections a month, giving you more opportunities to get in front of local insurance buyers you didn’t even know were looking.

Real-time, one-to-one referrals. Connect with real buyers, not stale leads with the only digital solution that delivers real-time, one-toone referrals to you. Unlike lead lists, real people with real insurance needs connect directly with a local agent at the right digital moment.

Referrals based on appetite. Writing the right business is easy with our Appetite Engine which filters digital referrals based on the types of business your agency wants to write, down to the six-digit NAICS code. The added bonus? It helps new producers learn the business while writing the business.

F E D E R A L & S T A T E A D V O C A C Y

Federal Advocacy

Through aggressive lobbying efforts, IIABA protects your interests in Washington, DC

The Big 'I' Advocacy teams fights to prevent legislation that will hurt your business and it nationally known for their effeectiveness.

Regulatory Issues

With the establishment of the Legal Defense and Advocacy Fund and longstanding relationships, IIABAZ and IIABA present powerful support for the interests of its members in the courts and at the Arizona Department of Insurance and other state regulatory authorities

Grassroots Network & Action

With the ability to disseminate information quickly, agents are kept apprised of the latest legislation impacting them and can then take this information and effectively and efficiently communicate their support, opposition, and comments to their elected officials

State Advocacy

MIAA and its members advocate at both the state level on policies and regulations that impact the independent agency system MIAA oversees monitoring and lobbying at the Maine Legislature

Big 'I' Legislative Conference

The Big 'I' Legislative conference puts agents up front and person with our representatives. through agency visits and guest speakers at the conference This is an event that you have to see to believe and is worthwhile to participate in to see how the process works

Political Action Committees

Both the state (MIAPAC) and federal PACs (InsurPac & PIAPac) mean action and activity The funds are used to support those State and Federal Legislators, who view those issues important to the independent agent in the same way as we do

E v e n t s

Maine Insurance Agents Association

Check Out List of Events for 2023

April 10

April 26

July 31

September 6

MIAA's 124th Annual Convention

DoubleTree Hotel- South Portland, Me

Big "I" Legislative Conference

Renaissance Washington, DC

Downtown Hotel

Maine Young Agent Golf Tournament

Natanis Golf Course- Vassalboro, Me

Big "I" Fall Leadership Conference

Amway Grand Plaza Hotel & DeVos Place, Grand Rapid, MI

october tba

Maine Young Agents Sales & Leadership Conference

Location and dates: TBA

For detailed information: www.maineagents.net

2022 PAC Contributors IIABA INSURPAC

CENTENNIAL CLUB $1000-$2499

Zack Frechette- United Insurance, Portland

GOLD CLUB $500-$999

Wendy Tapley- Tapley Insurance, York

Ron Guerin- Varney Agency, Scarborough

Royce Cross- Cross Insurance, Bangor

Mike Varney- Varney Agency, Scarborough

Dennis Hilton- Cheney Insurance, Damariscotta

PIONEER CLUB $250-$499

Michelle Ibarguen- Cross Insurance, Portland

Chris Anderson- FA Peabody, Houlton

Ed Therrien- United Insurance, Presque Isle

EJ Dorsey- United Insurance, Fort Fairfield

Mark Bailey- Readfield Insurance, Manchester

Jim Chalmers- Chalmers Insurance, Bridgton

Dottie Chalmers Cutter- Chalmers Insurance, Bridgton

Diane Champoux- Champoux Insurance, Lewiston

Stephen Kasprzak- Kasprzak Insurance, North Waterboro

Jasmyn Rose- Cheney Insurance, Damariscotta

FOUNDER CLUB $150-$249

Ken White- FA Peabody, Hampden

Glenn Tilton- Harold W Bishop Agency, Boothbay Harbor Keith Ayer- Johnson & Johnson, Burlington, MA

Je rey Martin- CRC, Scarborough

John Bilodeau- Bilodeau Insurance, Brunswick

Josh Ellis- Clark Insurance, Portland

Tim McGonagle- United Insurance, Portland

Jeffrey McDonnell- Allen/Freeman & McDonnell Agency, Bangor

Danielle Marquis- HB Insurance, Oakland

Peter Clavette- United Insurance, Madawaska

Lisa Veregge- MIAA, Hallowell

GENERAL CONTRIBUTORS $149 & UNDER

Laurie Billings- Sevigney Lyons Insurance, Wells

Mamadou Bah- RT Specialty, Franklin, MA

Brad Stokes- Morton & Furbish Insurance, Rangeley

Patrick Maguire- Brown, Holmes & Milliken Agency, Ellsworth

Ryan Madore- United Insurance, Augusta

Rob Wheeler- J Edward Knight, Boothbay Harbor

Josh Fifield- Clark Insurance, Portland

Dan Guerette- Brogue Insurance & Financial Services, Bangor

Ashley Purington- Gosline Insurance, Gardiner

Chris Miller- United Insurance, Auburn

Travis Duval- United Insurance, Fort Kent

Ashley Rosborough- JT Rosborough, Ellsworth

Tanya Gosselin- Readfield Insurance, Manchester

Stacy Johansen- Downeast Insurance, Richmond

Stephanie Brown- MIAA, Hallowell

Shannon Gorman- MIAA, Hallowell

Lauren Stiles- HUB International, Cumberland Foreside

Lucas Anderson- FA Peabody, Westbrook

Meesha Luce- Allen Insurance & Financial, Rockland

Conor Sullivan- MEMIC, Portland

Olivia Engstrom- Rousseau Insurance, Biddeford

Jennifer Frederick- William Clark Insurance, Skowhegan

Eric Tawfall- MMG Insurance, Presque Isle

Sarah Vedella- RD Johnson Agency, South Paris

Keith Brockway- Acadia Insurance, Sherborn, MA

Emily Pelletier- Rousseau Insurance, Biddeford

GENERAL CONTRIBUTORS $499 & Under

Diane Champoux- Champoux Insurance, Lewiston

Danielle Marquis- HB Insurance, Oakland

Jeffrey McDonnell- Allen/Freeman & McDonnell Agency, Bangor

CareerPlug

Finding and hiring the right staff to maintain and grow your business in an important key to your success, and likely your biggest challenge. MIAA is now partnered with CareerPlug, our recruiting software of choice to support all MIAA members in hiring CareerPlug provides an easy-to-use system that automates many of the tedious, manual steps of the hiring process

Every MIAA member receives a free CareerPlug account that comes with a branded careers page, pre-built job templates, and a configured hiring process CareerPlug's built-in evaluation tools help you confidently identify, interview, evaluate and hire the right person

If you have urgent hiring needs, we highly recommend that you upgrade the free account to paid Pro subscription at an exclusive partnership rate of of $595/year (that's less than $50 per month) for unlimited job postings to top job boards (Indeed, ZipRecruiter, GoogleJobs, Facebook Jobs, etc.), paperless onboarding, and use of personality assessments.

Big 'I' Hires

A one-stop resource for independent insurance agencies to identify, hire and assess top-performing producers and CSRs with the added benefit of Human Resources for agencies Big I Hires offers:

A one-stop resource for independent insurance agencies to identify, hire and assess topperforming producers and CSRs with the added benefit of Human Resources for agencies.

Best Practices

Lean on research from the industry's top performing agencies for strategies to improve the quality and capabilities of your employees so they can do the best job for your clients See where your agency stacks-up and tap into our studies, education and resources to set the course for success

First conducted in 1993 and updated annually to reflect new challenges and pressures facing the industry, the Best Practices survey conducted by the Big "I" and Reagan Consulting analyzes the performance of the nation's leading agencies to uncover the methods, procedures, techniques, strategies, and business practices they use to achieve superior results.

The Best Practices Study also establishes benchmarks against which agency performance can be measured and offers guidelines on how to use the study as a tool to help improve operations and maximize potential. The tools are a great resource for agency managers or principals who are interested in reviewing their operations to enhance agency performance and profitability

The heart of Best Practices is the annual report and other tools and resources are available under the umbrella all working towards the goal of an efficient and more profitable agency

Diversity & Inclusion

Discover the opportunities and benefits of embracing diversity. When you utilize our research, education and resources you will create an organizational culture that will better serve diverse markets The mission is to engage and develop a sustainable diverse agency network.

ANOTHER DOUBLE DIGIT SAFETY DIVIDEND

$17 Million Spread Across All 16 Counties

“Our mission is to make workers' comp work better, with compassion, trusted partnerships, and relentless commitment to workforce safety. Producing a profit to generate dividends is one way we deliver on that mission for our Maine policyholders.”

For the 11th year in a row,

MEMIC is returning more than 10 percent of policyholders’ premium to employers in nearly every town in all 16 counties in Maine. This year, more than 14,000 employers who are current policyholders will receive a check in early November for 12 percent of the premium they paid to MEMIC

back in 2019

Since 1998, MEMIC has returned a total of $333 million to employers based on strong financial results, fueled by fewer workforce injuries and diligent injury management. That record of success is testament to all our policyholders who have helped make safety part of their daily routines. In fact, injuries in Maine have been reduced by more than 50 percent, which has dropped the cost of insurance by more than 60 percent since the landmark reforms of 1992

ACORD Forms at No Charge

Big "I" Members under $50 million in revenues receive ACORD Forms subscriptions automatically with their IIABA Membership

Effective 1/1/2020 ACORD is requiring subscriptions to access their forms and they will no longer be offered with Agency Management systems.

The Mines Press

Order Big "I" and Trusted Choice logo t-shirts, baseball caps, calendars, business cards, and stationery from The Mines Press, and you'll know that your promotional gifts and correspondence will deliver the message of quality, as well as care.

AVYST

AVYST is a fast and easy solution that will allow you to quickly prepare submissions. Each form has intelligence that allows information to be keyed once and shared across all other applications and forms for that client! Type it once and you're done.

eForms Wizard expedites the completion of hundreds of included ACORD forms for the commercial lines, personal and high-value clients, professional lines, agriculture, bonds, proof of insurance and more! Agents are able to build, share and edit forms across their team and send forms as a secure PDF to multiple underwriters when ready This easy-to-use solution will allow your agency staff to prepare submissions quickly and easily, eliminate redundant entry and collaborate with others to compelte applications

Caliper Testing

Big "I" Members receive exclusive discount pricing on the premier personality testing product in the industry Caliper offers a comprehensive personality assessment, which enables Caliper consultants to tell you whether an individual has the qualities needed to make it in management, supervisory, sales and similar high-level positions within your agency The Caliper Service Profile can quickly determine whether someone has the skills necessary to succeed in customer service and similar positions. IIABA members receive discounts on all Caliper testing services and products

Sales Assessment Testing

How many times have you hired agents whom you're sure have tons of potential for selling, but once hired, they seem to fizzle out, or consistently sell fewer policies than you need? Let Sales Call Reluctance Testing help! Big "I" Members are eligible for a 10% discount on each Sales Call Reluctance Test you purchase

Affinity HR

Every organization, regardless of size or number of employees, should have basic human resource policies and procedures in place to both ensure legal compliance and serve as a resource for employees and their supervisors Big I Hires has partnered with Affinity HR Group to provide Big "I" members with a full array of HR support tools that are customized to meet the unique needs of your agency Big "I" Members are eligible for discounts on Affinity HR Group products and services.

Rough Notes Advantage Plus

RoughNotes Advantage Plus is an online sales and service resource designed to help your agency better serve your customers Using this tool will lead to increased sales by improving your staffs knowledge of a prospects operation enabling them to better identify and cover customer exposures. Use the Big "I" member promo code "IIABA" to receive a $200 discount!

Premium Financing

Agencies also have the ability to finance their Agency's E&O premium Competitive rates and terms can be tailored to your agency!

Contact E & O Administrator, Gayle McPherson for additional details

Gayle@maineagents net

Big "I" members may now receive exclusive discounted pricing from the industry's #1 esignature solution, DocuSign. DocuSign is used to accelerate transaction times to increase speed to results, reduce costs, improve customer service and reduce E&O exposure

InsurBanc

InsurBanc is an independent community bank that was founded by agents exclusively for agents Organized in 2001 by the Big “I" specifically to serve independent insurance agents, InsurBanc has developed a distinctive culture helps you optimize growth opportunities and manage your agency efficiently InsurBanc can help you with custom products designed to underwrite your success

Agency Financing

Perpetuation

Acquisition

Working Capital

WAHVE

Producer Development

Debt Refinancing

Owner-Occupied Real Estate

Equipment Leasing

A staffing solution for insurance firms

WAHVE delivers 'pretiring' talent to fill most insurance positions and at a cost savings. All MIAA members receive 50% start up discount!

Agents Council on Technology (ACT)

When you're looking for technology solutions for your agency, turn to Big I‘s Agents Council for Technology The industry's leading technology experts provide blueprints on disaster planning, cybersecurity, customer experience, and other emerging trends to help your agency Look to ACT when you are looking for best practices or if you want to influence the industry's technology direction, join an ACT meeting or virtual work group

Cyber Resources

Handling sensitive information is now one of the most critical responsibilities faced by the modern insurance agency IIABA Members have access to a multitude of resources to protect their agencies and help them navigate Cyber that is constantly changing with technology advancements and regulation You can access: How Best Practice Agencies Handle Tech Webinar:

Cyber Guide for Agencies

Cybersecurity Made Simple Webinar

Cyber News and Updates

How to Protect Your Agency Data Guide

Cyber Coverage for Your Agency and Clients

Cyber Hygiene Toolkit

Legal Resources

IIABA’s Legal Council reviews agency company contracts to ensure that they are fair and equitable to both parties. Reviews contain recommendations for improvements to the contract language if applicable Members have access to an online library of reviewed agreements at www iiaba net

Errors & Omissions Coverage

Swiss Re Corp Solutions

The program is adopted countrywide by IIABA. The Big “I” professional liability program offers a comprehensive program, for insurance agents, structured using a modular approach, providing solid core coverage as well as coverage units to insure against other exposures of concerns Rating is done by the gross premium volume with credit applied for expertise and loss control attendance

Employment Practices Liability Coverage

As an employer you need protection. UTICA and Westport can provide that protection for your agency through an Employment Practices Liability Policy For Agencies that meet the criteria, it could be as easy as an additional endorsement to your current policy (10 or less employees)

Utica

Since 1966, Utica has been a leader in providing quality protection for agencies in the US Their long term relationship with state associations brings additional talent and expertise to the task of protecting you and your business. Rating is done by the number of employees with credits applied for expertise and loss control attendance

Big 'I' Employee Benefits

The Big “I” Employee Benefits program provides full service group benefits for our member agents. The program is underwritten by The Guardian Life Insurance Company of America, a multi-line insurance group with many years of experience in the business and administered by a dedicated service team just for Big “I” Members. Offering Group Life, Group Short & Long Term Disability, Group Dental and Group Vision Guaranteed issue with certain requirements being met

Big 'I' Retirement

Big "I" Retirement Services is here to help you choose a plan best meets your needs The Big 'I' has worked with more than 1,000 agencies to help them achieve their retirement goals With over 25 years in the retirement business, the Big "I" serves as a strong advocate for participating agencies. Whether it concerns a complicated transition from another provider, or perhaps a sale of the agency, the Big 'I' knows your business, understands your market, and can grasp your needs

PIA Trust

One of the many advantages of being a member is having access to a variety of highquality, competitively priced insurance plans offered through the PIA Services Group Insurance Fund (The PIA Trust) By offering products unlike those available in the open market at rates not available on the open market, the Fund gives you the opportunity to provide yourself, your employees and families with the insurance coverage they deserve

The products offered through the Trust are basic term life, voluntary life, dependent term life, business overhead expense coverage, short & long term disability, accidental death & dismemberment & hospital indemnity

As the world and the workforce changes, understanding - and investing in – inclusive agency cultures will be a necessity for any forward-thinking business

We’re committed to helping independent agents thrive today and tomorrow.

5 ways to attract the next generation of talent

By Jen Farrell, director of agent and customer research, Liberty Mutual and Safeco Insurance

Tell stories of the meaning and purpose behind your agency.Both millennials and Gen Z want to work for companies with strong values and purpose. Because helping people is at the core of what independent insurance agencies do, you can easily about the work you do and how you help your community Leverage social media to tell these stories and connect with younger job seekers

1 Agency

Build workplace cultures that prioritize employee well-being.The high levels of uncertainty, stress and burnout over the past two years have shifted what employees want and expect out of a workplace. A study by Gallup found that employees times more likely to advocate for their company as a place to work2

4. Invest in career development opportunities. Younger generations are highly entrepreneurial and ambitious Additionally, according to a recent Liberty Mutual®and Safeco® report3. Harnessing that ambition can be a win-win for agencies looking for perpetuation plans. But to attract and keep this next generation of leaders, agencies need to show how they invest in

Embrace diversity, equity and inclusion.Gen Z is the most diverse generation in history, and they expect the companies they work for to support diversity, equity and inclusion (DEI) initiatives In fact, according to a survey by hiring platform Monster, 83% of Gen Z candidates said a company's commitment to DEI is important when choosing a job4 Agencies that embrace DEI will be better positioned to attract top candidates

1.

5.

3.

2.

R R O R S A N D O M I S S I O N S

Utica National Agents’ Errors & Omissions Risk Management Online Resources

Utica National works to help you protect the assets and reputation you have worked hard to build. That means giving you access to protocols and advice that can help you minimize the chance of an E&O incident.

We offer these online resources at no additional cost to policyholders.

AGENCY SELF-ASSESSMENT Use this tool to find gaps that could cause an error or omission and get advice on how to remedy those holes.

LOSS CONTROL ARTICLES Provides advice on mitigating or avoiding E&O claims.

LESSONS LEARNED Benefit from real claims examples as well as insights on what you should and shouldn’t do to reduce the likelihood of an E&O claim

TRAINING AND EDUCATION Provides tutorials geared for those new to an agency or those wanting a refresher

CYBERSURANCE Utilize the training provided to help your agency protect its computers and the personal data entrusted to you from hackers.

ONLINE COURSES AND STREAMING VIDEOS Get access to topics such as Appropriate Email and Internet Use, Dealing with Difficult Situations, and Diversity and Discrimination Issues

New material is added regularly so there is always something current to review and benefit from.

Visit Utica National’s Customer Care site to access your free risk management information at www.uticanational.com/customercare.

If you have questions, contact your state agents’ association or your underwriter at 800-598-8422.

PIA Market Access

PIA Market Access, brought to you in partnership with InsureZone, Inc , based in Fort Worth, Texas, is a wholesale market access program that will help PIA members access over 50 nationwide and specialty personal and commercial lines markets from a number of admitted “A” or better-rated companies Agents submitting applications through the platform can receive quotes from many of these companies through a technologically advanced personal and commercial lines rater

Big 'I' Markets

Anderson & Murrison Excess Liability Market

The A & M personal umbrella is a stand-alone policy admitted with A+ rated by A.M. Best Company It does not require that underlying policies to be underwritten by A & M This personal umbrella provides up to $10M limit of umbrella liability coverage over the insured’s underlying policies. This Personal Umbrella policy can be written to cover up to 6 unit apartment buildings, vacant land and farm land with primary liability coverage on a personal form.

Big 'I' Flood Market

Big “I” Flood’s partner Selective offers a unique and unparalleled approach to servicing flood customers nationwide Having been rated A (Excellent) by A M Best since 1930, and the endorsed flood carrier by IIABA, Selective provides the experience, dedication and service required to stand up against the competition

RLI Home Business Market

RLI's Home Business Policy provides affordable coverage for those people who operate small home-based businesses It is specifically targeted for over 100 retail and services risks operated from the insured's residence and presenting minimal product liability, professional liability and/or off-premises exposures.

PIA Flood Market Eagle Agency

PIA members earn great commissions on flood insurance sales with The Hartford a flood insurance processing center that does most of the heavy lifting for them

MIAA Staff Member Gayle McPherson is ready and willing to help you with your Market Access questions You can contact her at Gayle@maineagents net

BIM offers a suite of top tier products for you! Only for Big 'I' members, this program has no fees, no minimums and ownership of expirations. Visit www.bigimarkets.com

Eagle Agency provides Big “I” members with direct access to preferred personal lines and/or commercial lines with minimal volume commitment The program strives to fit the member’s personal lines needs by incubating until the member qualifies for a direct appointment. Eagle Agents:

Maintain Ownership of Business

Get direct access into the carrier’s portal Earn graduated commissions based on volume

May get carrier appointment based on volume and profitability

MIAA Staff Member Lynda Holt is ready and willing to help you with your RLI questions You can contact her at Lynda@maineagents net

RLI Personal Umbrella Market

The stand-alone RLI Personal Umbrella Liability policy helps protect an insured against financial ruin if they are sued, even paying for defense costs. Because it’ a standalone policy, underlying policies can be with another carrier or even multiple carriers

Maine Product Availability

Personal Lines:

•

Affluent Package

▪ AIG

▪ Chubb

▪ Openly

▪ Vault

•

Auto & Home – Standard Markets

ForemSM▪ost Signature

▪ Openly

▪ Progressive

▪ Stillwater

▪ Travelers

Collectibles

Flood - In, Above & Outside of the NFIP!

Home Business Insurance

Jewelry Insurance

Non-standard Homeowners, Renters, Condominium, Rental Dwellings, Vacant

Dwellings

Markets

▪ Lexington

▪ Global Indemnity

Personal Excess Policy

Personal Umbrella Policy

Recreational Marine

Commercial Lines:

Bonds: Bid, Contractor, Performance, Surety

Commercial Auto Monoline Markets

▪ Progressive

▪ Travelers

Community Banks Business Insurance

Program Cyber Insurance – Coalition

Executive Risk - Coalition

Flood - In, Above & Outside of the NFIP!

Habitational Markets

▪ Apartments

▪

Condo and Homeowner Associations

Pollution Contractors-Farms-USTs-Other

Real Estate Agents/Property Manager E&O

Small Commercial Markets

▪Travelers

Berkley Aspire

Chubb

▪ CNA

Life & Health:

•

Life, Disability and Long-Term Care

▪ Crump Life Insurance Services

D U C A T I O N

Support MIAA by participating in our outstanding educational offerings We know there are many providers in the marketplace but we are asking for your business!

Support us (buy local!) so we can continue to bring quality choices to meet your education needs.

MIAA Staff Member Shannon Gorman is ready and willing to help you with your Education questions. You can contact her at shannon@maineagents.net

EDUCATION DELIVERY OPTIONS

We offer training in several delivery options to meet your needs

Online Live

MIAA has partnered with top notch vendors and instructors to bring LIVE webinars approved for CE to your office/home. You can earn CE with no travel expenses and in the safety of your office or home. We are continually filing NEW live webinars and have all the topics you need to meet the State Producer requirements We also offer E&O live webinars and Ethics courses each month of the year Join so many of your peers and check out the offerings on our education calendar When you take MIAA courses Shannon will typically file your CE within 24 hours of the course with the State of Maine Insurance Bureau

On Demand

MIAA Offers many courses and bundles that will meet your Maine Producer requirement CE needs Please purchase these through our website to receive an additional discount

In House Training

The in-house education program is a convenient, cost effective way for your agency to custom design the continuing education program that is geared for your employees and their specific needs. In-house classes give you and your employees the benefit of completing courses on YOUR terms! Virtual Training is Available

MIAA EDUCATION CALENDAR

Find the courses you need by using the MIAA online Education Calendar

MIAA is a DIAMOND EXCELLENCE in EDUCATION National Award Winner 11 years in a row.

ACCESS THE MIAA ONLINE EDUCATION CALENDAR.

D U C A T I O N

GETTING YOUR STAFF LICENSED

Getting your staff licensed is incredibly important for every agency and MIAA has you covered! We have a host of options designed to get your staff licensed

PROPERTY/CASUALTY PRE-LICENSING REVIEW CLASSES

MIAA offers an intensive three-day course to help you better prepare for the Property/Casualty Licensing exam Students are provided the materials in advanced to read and study before attending the class Two days are spent reviewing the class concepts (based on the Pearson Vue outline) and one full day is spent on the Maine law portion of the material. The class is interactive and fun! The study guide includes an online practice exam

Property Casualty Pre-Licensing review classes will be held via ZOOM:

January 24-26

April 25-27

July 18-20

October 24-26

PRE-LICENSING REVIEW SELF STUDY (P&C AND L&H)

Prefer to do Self-Study? Property/Casualty & Life/Health Licensing Books are available to order from the MIAA website. The MIAA study guide includes the Maine Laws and online practice exam.

REGISTER FOR MIAA PRELICENSING REVIEW CLASSES

PURCHASE PRELICENSING WEBINARS

PURCHASE SELF STUDY MATERIALS

PERSONAL & COMMERCIAL LINES SCHOOLS

PERSONAL LINES ANALYSIS SCHOOLS

This two-day class takes a deeper look at the coverage parts of necessary personal lines insurance forms The course starts with the 2011 edition of the homeowners' form and works its way through personal lines floaters, dwelling fire forms, the personal auto, flood, personal umbrella, and even some of those miscellaneous coverage forms such as recreational vehicles, special events, and more The class will use real-life questions from insureds and actual claim scenarios to engage attendees in discussion and learning

Course Dates:

All courses being presented virtually until further notice

February 14-15, Register Here

Continuing Education

Personal Lines Analysis Schools are approved for 12 ME CE Credits

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

September 28-29

Register Here

Presented by Dawn Halkyard, CPCU

COMMERCIAL LINES ANALYSIS SCHOOLS

This three-day class is designed to cover a wide array of businesses; from a small office, a one-person contractor, to a large trucking fleet or national manufacturer This course will break down the standard ISO forms most businesses need, from property, general liability, workers' compensation, auto, and more. In addition to reviewing coverages found, or not found, in the forms, the class will highlight some of the common areas for agent E&O and spend some time on service basics including the use of surveys and checklists, and certificates of insurance

Course Dates:

All courses being presented virtually until further notice

May 17-19

Register Here

Presented Dawn Halkyard, CPCU

GENERAL CONTINUING EDUCATION COURSES

MIAA Will be offering a wide range of general coverage topics approved for Maine CE We are continuing with LIVE courses offered via Zoom in partnership with our preferred Vendors

Continuing Education

Commercial Lines Analysis School are approved for 18 ME CE Credits.

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

REGISTER FOR GENERAL CE COURSES

Continuing Education

General Seminars are approved for ME CE Credit

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

E D U C A T I O N

E&O RISK MANAGEMENT COURSES

The MIAA brings to you a variety of E&O courses for CEC and for policy credits for both Utica and Westport. We offer a variety of new 3-hour live webinar courses through our online partners These are approved by Westport and Utica for loss control credits for your E&O policy If you have questions, please contact Gayle McPherson at gayle@maineagents net

ABEN LIVE ONLINE AND ON DEMAND E&O COURSES

With these webcasts, you can watch any course, from anywhere and participate fully, all without taking a test! you'll be able to see the presentation via live streaming

video, following along with the presentor's Powerpoint, submit questions, take notes and get full access to written materials You also have access to the course for up to 40 days after the presentation

The live webcast will stream professional instructors right into your office, along with related course material and the ability to ask questions and interact with other students as well as the instructor

New to ABEN? We are so sure that you will love our webcasts that MIAA will give you 40% off your first purchase Use code 1stABEN at checkout to receive your discount

SKILLS TRAINING BY JOB ROLE

Looking for industry training for new employee, sales or leadership skills training My Agency Campus is the perfect solution! The MIAA has partnered with New Level Partners to bring online training to new hires in the insurance industry.

My Agency Campus training is on-demand, interactive and cost-effective! Select a specific curriculum package based on individual needs Exercises and quizzes provide an interactive learning experience. Individuals have four months to complete a selected curriculum. Options include:

Business Skills Training

Leadership Training

Sales Training

New Hire Training

Job Role Training

REGISTER FOR E&O CLASSES

REGISTER FOR MY AGENCY CAMPUS OPTIONS

DESIGNATIONS & CERTIFICATIONS

CERTIFIED INSURANCE COUNSELOR (CIC)

The Certified Insurance Counselor (CIC) Program is a nationally acclaimed continuing education designation program Its course content and practical application make it the most essential program for both agency and

company personnel To complete the designation, you will need to complete five out of the seven options below and pass the comprehensive essay examination that follows each institute You are not required to take the two additional institutes but you will find them to be excellent update options.

Agency Management

Commercial Casualty

Commercial Property

Commercial Multiline

Life & Health

Personal Lines

Insurance Company Operations

CERTIFIED INSURANCE SERVICE REPRESENATIVE (CISR)

The Certified Insurance Service Representative (CISR) program is a practical program that stresses the understanding and analysis of risks and exposures. A student should have a basic knowledge of insurance

The CISR program consists of 5 one-day courses that cover all phases of the CSR's daily work

• Agency Operations

• Commercial Casualty

• Personal Residential

• Personal Auto

• Commercial Property

You may take the courses in any order and each course is followed by a one-hour exam Anyone may attend the courses and receive the CEUs without taking the exam However, if you wish to attain the designation, you must pass each of the 5 exams To earn the CISR designation you must successfully complete the program and pass the exams within three calendar years following the passage of the first exam.

REGISTER FOR CIC INSTITUTES

Continuing Education

The CIC program has been approved in all states that have mandatory continuing education Click here for CE course approvals

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

REGISTER FOR CISR SEMINARS

Continuing Education

The CISR program has been approved in all states that have mandatory continuing education. Click here for CE Course approvals

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

DESIGNATIONS & CERTIFICATIONS

ACCREDITED CUSTOMER SERVICE REPRESENTATIVE (ACSR)

The Accredited Customer Service Representative (ACSR) program is offered in partnership with The Institutes (www.aicpcu.org) to bring you a national customer service designation program that promotes and recognizes the professionalism of customer service personnel in the insurance industry.

ACSR designations can be earned in Personal Lines, Commercial Lines or Life and Health. You may take the courses in any order and you must complete the Institutes FREE Ethics course which you can find on their website.

Check the calendar for ACSR zoom dates

CERTIFIED PROFESSIONAL INSURANCE AGENT (CPIA)

Whether you're pursuing your CPIA credential or simply looking to improve your marketing skills, you've come to the right place

CPIA Insurance Success Seminars will help

you plan and improve your sales techniques to convert your prospects into customers. Learn to generate qualified leads that translate to more sales, and more commissions

Position for Success (CPIA 1) - 7 CE Credits - March 22

Implement for Success (CPIA 2) - 7 ME CE Credits - March 23

Sustain Success (CPIA 3) - 8 ME CE Credits - March 24

Full attendance at all three seminars allows participants to earn the CPIA (Certified Professional Insurance Agent) designation; no exam is required and you can begin using the designation immediately following the completion of the three programs Anyone may attend any one seminar of interest

Reaccredication Course - December 5

REGISTER FOR ACSR SEMINARS

Continuing Education

The ACSR program has been approved in Maine, contact MIIA for credit approvals.

Registrants do not have to take the online exam to earn CE credits.

REGISTER FOR CPIA SEMINARS

Continuing Education

The CPIA program has been approved in all states that have mandatory continuing education. Click here for CE approvals.

CEs are subject to change without notice. The state requires that all registrants attend each course in its entirety to receive continuing education credits. Partial credit is not given for partial attendance. Late arrivals will not receive any continuing education credits.

D U C A T I O N

DESIGNATIONS & CERTIFICATIONS

The Construction & Risk Insurance Specialist (CRIS)

The Construction Risk and Insurance Specialist (CRIS) program is a specialized curriculum focusing on the insurance and risk management needs of construction projects and contractors Those who complete the program are entitled to display the CRIS certification to certify their knowledge of construction insurance and risk management and dedication to the industry.

Benefits:

Gain specialized expertise in construction insurance and risk management Knowledge to make wiser insurance and risk management decisions for their employees and work more effectively with their agents/brokers

Increase competence, confidence, and credibility of insurance professionals who sell to contractors

Program Dates:

Commercial Liability Insurance for Contractors | February 15

Contractual Risk Transfer in Construction | April 18

Commercial Auto, Surety, CIPs, and Miscellaneous Lines | June 7

Property Insurance for Contractors | September 12

Workers Compensation for Contractors | November 14

The Management Liability Insurance Specialist (MLIS)

The Management Liability Insurance Specialist (MLIS) program is a continuing education curriculum that provides an in-depth understanding of management liability exposures and insurance coverage When you complete the program you will be entitled to display the MLIS certification to certify your expertise in the fundamentals of professional liability insurance and the more specific nuances of directors and officers (D&O) liability, employment practices liability (EPL), and fiduciary liability exposures and insurance

Benefits:

Enhance the ability to efficiently create and distribute effective insurance programs

Learn ways to increase sales

Broaden your organization's market reach

Learn to deliver customer derives that drives increased retention

Program Dates:

Employment Practices Liability Exposures & Ins Coverage | March 7

Cyber & Privacy Exposures & Ins Coverage | May 9

Fiduciary Liability Exposures & Ins Coverage | September 27

Understanding D&O Exposures | October 11

How To Insure D&O Liabilities | December 6

Once you complete the Designation there are digital badges available to promote your accomplishment on LinkedIn, Social Media and more!

Silver

Bouchard Cleaning & Restoration

Capital Premium Finance

Cincinnati Insurance Companies

Colonial Adjustment Inc

Imperial PFS

MAPFRE Insurance

Philadelphia Insurance Companies

Providence Mutual

SAN Group

Bronze

Aspera Insurance Services

BELFOR Property Restoration

CRC Group

Chubb Insurance

Combined- A Chubb Company

Enterprise

MarshBerry

McKenzie/Mosley Adjustment Services

New England Excess Exchange

North American Insurance Alliance Inc

S&H Underwriters SERVPRO of Maine

FIND TOP TALENT

Does the thought of hiring a new employee leave you overwhelmed? Are you seeing turnover, or posting a job,but just aren’t finding the “right” person?

Find the right recruits with Big "I" Hires, a one-stop resource for independent insurance agencies to identify, hire and assess top-performing Producers and CSRs.

FIND AND RECRUIT.

Recruiting Support

IdealTraits can help agencies of all sizes hire top performing sales and staff with the ability to post jobs, receive candidates, send assessments and identify the right recruit through a variety of recruiting sites.

POST JOBS FREE ON MULTIPLE JOB BOARDS WITH ONE

SUBMISSION!

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Job Posting

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SUBMIT, RECEIVE AND REVIEW ASSESSMENTS.

Identify and hire who is best for your agency

YOU’RE NOT ALONE. BIGIHIRES.COM

PER LOCATION / 90 DAY ACCESS

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PER LOCATION / 1 YEAR ACCESS

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INSURANCE AGENTS ERRORS AND OMISSIONS COVERAGE THAT’S RIGHT FOR YOUR BUSINESS

Why Choose Big “I” Professional Liability and Swiss Re Corporate Solutions?

PROMPT, LOCAL SERVICE –Superior customer service and expertise by your Big “I” state association, who serves as your agent with underwriting authority offering prompt turnaround of quotes and policy delivery.

MORE PREMIUM DISCOUNTS –Qualifying agents can save over 50% in premium discounts including risk management, claims free, agency operations improvement review, efficiency, and carrier concentration credits.

DEDUCTIBLE SAVINGS – Loss only deductible available along with deductible reduction feature offering up to 100% savings of deductible (up to $25,000) per claim.

EASE OF BUSINESS – Our qualifying policyholders enjoy the benefit of automatic renewal available with no applications along with online applications when required.

CLAIMS HANDLING – Prompt and thorough claims handling by an experienced staff made up primarily of licensed attorneys who stand ready to support policyholders with any potential incident or claim.

FLEXIBLE UNDERWRITING –Targeting agencies of all sizes and unique operations including both P&C and L&H-only agencies.

CAPACITY – Limits up to $30M

RISK MANAGEMENT TOOLS –Policyholders have FREE access to the exclusive website E&O Guardian (eoguardian.com) and the E&O Claims Advisor Newsletter.

STABILITY - Nationally endorsed program with over 30 years experience and the largest and most stable independent insurance agency E&O program in the country, rated A+ (Superior) by AM Best.

EXCLUSIVE - A Big “I” member exclusive policy form and premium credits filed on a Risk Purchasing Group basis give Big “I” members tailored coverage.

MEMBER OVERSIGHT - A Professional Liability Committee, comprised of IIABA members, oversees and directly influences the program. Our program was designed by agents for agents.

AGENT ADVOCACY - Supports lobbying efforts protecting your industry by contributing a percentage of every premium dollar to the funding of important advocacy efforts of the IIABA.

Founded in 1901, Ohio Mutual has over 100 years of experience in the insurance industry.

With more than a century of successful history behind us, we retain the values upon which we were founded, while offering a broad array of industry-leading products and cutting-edge technology.

We are proud to offer products in Maine and four other New England states.

If you feel your agency shares the values and the vision of Ohio Mutual, please contact Senior Field Sales Manager Philip Archambault at 866.785.9533 or parchambault@omig.com.

A D V E R T I S E R I N D E X

E & O G U A R D I A N

AGENCY RISK MANAGEMENT RESOURCES

Dedicated Risk ManagerBig “I” policyholders have easy access to an E&O risk manager when those “tricky” situations arise. Even if it’s not so tricky, but you just want to run it by someone, your risk manager is available.

Timely Coverage and Process Information

Your risk management department tracks the most common mistakes leading to E&O claims. With this knowledge, a series of short, informational webinars have been developed addressing these most problematic issues. They are available anytime you need them.

Regular Updates Every month policyholders are provided access to our newsletter dedicated to guiding agents around the E&O landmines. It’s a topical, timely, unique value for policyholders.

Hot Issues Webinars As you know, business moves quickly and the “status quo” doesn’t stay status quo long. Occasionally, a new challenge arises that requires quick attention. When policyholders are faced with a new challenge, we conduct a “hot issues” webinar to help you navigate the new situation.

Resources and ToolsProcedures manuals, job descriptions, client letters are all available for 24/7 access on a dedicated website for policyholders.

Other Benefits

Access to cyber coverage and cyber risk management; exclusive access to agency techn resources through ACT; and the Virtual University – the association’s education provider.

Is Your Agency Taking Advantage of Big “I” Business Resources?

Did you know that your Big “I” membership provides your agency access to powerful tools and discounts on our strategic non-insurance partners’ products and services?

Talogy/Caliper offers hiring assessments that help identify which person is best suited for a given job based on their intrinsic motivation relative to the role’s responsibilities

IIABA members receive 10% off hiring profiles & staff development tools.

calipercorp com/iiaba

Start collecting esignatures and online payments all at once while streamlining signing processes and lowering costs DocuSign’s simplicity allows for easy integration into your existing workflows

IIABA members receive 20% off Standard & Business annual plans.

docusign com/iiaba

Gain access to coverage checklists, commercial and personal lines risk analysis systems, important customer file documentation and more starting at just $700/agency annually ($200 savings)!

independentagent com/roughnotes

InsurBanc specalizes in insurance agency financing and cash management solutions

Do business with a bank founded by and for independent agents.

IIABA members pay deeply discounted rates compared to similar products. insurbanc com

Open or link your IIABA UPS Savings account to receive discounts and call 1-800-MEMBERS to take advantage of UPS Smart Pickup® service free for one year.

savewithups.com/iiaba

Big "I" members can save up to 40% off of monthly fees with Insure Response, our U S -based insurance agency call answering service partner Forward your phones to Insure Response's insurance savvy team during lunch hours, after hours, over the weekend, on holidays or 24/7!

Big “I” members save up to 34% on shipping. Save thousands annually with your Big "I" discount.

insureresponse com/iiaba

Order your Big “I” and Trusted Choice logo calendars, business cards and promotional items from The Mines Press and you’ll know that your correspondence will deliver the message of quality as well as care

Doing business with Big “I” members for over 35 years.

insurance minespress com

For more information on these member discounted programs, contact brett sutch@iiaba net or visit independentagent com/businessresources

Proven expertise you can count on!

Our experienced staff and team of adjusters average 20+ years in the business, and have a proven track record of fast response time, attention to detail, and superior customer service. We deliver what we promise – that is our guarantee.

There when you need us - Colonial Adjustment, Inc. is New England’s largest independent adjustment company. We have licensed adjusters ready to help you 24 hours a day, 7 days a week, throughout the states of Maine, New Hampshire and Vermont.

Colonial provides full adjustment services for property loss on the following: