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COLORADO INSURANCE NEWS Published by Professional Independent Insurance Agents of Colorado
www.piiac.com
VOLUME 27 • ISSUE 6 • AUGUST 2019
INSIDE THIS ISSUE Move Faster Through Transparency
PAGE 3 New Talent
PAGE 4
Understanding NCCI Class Codes
PAGE 4 What IA’s Need to Know About Millennials
PAGE 6 Agents, are you offering flood insurance to all prospective and existing clients?
LITTLE DITTY ‘BOUT JACK AND DIANE INC If you know “Jack & Diane” by John Mellencamp, then you know Kenny Aronoff, the keynote speaker at PIIAC’s convention this year. “Jack & Diane” was chosen by the Recording Industry Association of America as one of the Songs of the Century, so we know you know it! Cited as one of the “100 Greatest Drummers of All Time” by Rolling Stone Magazine, Aronoff has been the go-to drummer for some of the biggest stars in music. Not only has he been the drummer for John Mellencamp, he has also worked with Lady Gaga, Bob Dylan, The Smashing Pumpkins, and many others. Aronoff is a legendary drummer, bestselling author and event speaker with an inspirational message about how to be a rock star in life and business. Aronoff’s message is about how to become successful and stay successful in your life and career by following three principles: preparation, performance and persistence. This won’t be just another speech from another keynote speaker. Aronoff’s presentation will includes drumming performances, life lessons, and entertaining behind-the-scenes anecdotes. Join us for the 2019 PIIAC Annual Convention September 11-12 in Black Hawk to hear Aronoff’s powerful message and enjoy a once in a lifetime opportunity to meet a big name in the music industry. In addition to our keynote speaker, our convention includes breakout sessions by: John Wethey, Executive Director, Surplus Lines Association of Colorado; Michel Brooklyn, Business Development/Marketing Manager, Roof Worx; Jeff Magoon, CEO, Scalable Risk Solutions; Harrison Scheider, VP, Brown & Riding; Dustin Mooney, Co-Founder and Principal Consultant, RIGIDBITS; Matt O’Neill, CEO, Beyond Insurance; Chris Behymer, Director of Marketing, Markel; Jonathan Sherman, VP, Evolve MGA; Cody Boren, Agency Specialist, and Brad Milley, Senior Territory Manager, Safeco Insurance; and Heidi Kaibel, Regional Field Relations Manager, National Flood Services. Click here to listen to the Jack and Diane song.
PAGE 6
HELP YOUR SMALL BUSINESS CUSTOMERS MITIGATE THEIR GROWING COVERAGE RISKS Your small business customers face a plethora of pressures coming at them from all angles, including all sorts of risks and rewards. Their focus is on growing their business, and some of the risks may not be apparent to them. That’s where you come in. You play a critical role by identifying the insurance risks facing your small business clients and recommending the best solutions to properly mitigate their exposures. Most include critically important coverages, such as property, general liability and business interruption. They cover many obvious exposures such as fire, theft, burglary, slips and falls, lost income due to a covered loss, and more. However, a strong coverage portfolio will also include coverages for growing exposures such as employment practices liability and cyber liability. They are two types of coverage that could easily be overlooked by small business clients who may feel the risks are more in line with larger businesses. EMPLOYMENT PRACTICES LIABILITY
Employees and job applicants remain frequent sources of litigation against small businesses and costs can be formidable, according to the Equal Employment Opportunity Commission (EEOC). SMALL BUSINESS, CONT’D ON PAGE 3
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SMALL BUSINESS, FROM PAGE 1
In 2017 alone, the EEOC received more than 84,000 charges of discrimination, harassment and retaliation. According to the EEOC, if these lawsuits go to trial the median payout for a discrimination case is $600,985, in addition to the applicable defense costs. The EEOC reported it received 7,609 sexual harassment charges in 2018. That’s a 13.6% increase from 2017, and retaliation charges accounted for the largest number of charges filed in fiscal year 2018. Employment Practices Liability insurance protects companies and individuals against loss (damages and defense costs) arising from employment practice disputes. CYBER LIABILITY
While larger firms may have the information security resources to help combat cyberattacks, many smaller businesses do not. Due to this vulnerability, small businesses are frequent victims of cyberattacks, according to the Verizon 2019 Data Breach Investigations Report. In fact, the report says more than four in 10 data breaches in 2018 involved small businesses. Cyber liability coverage provides protection when a security breach results in privacy injury, identity theft, network damage resulting in theft of information, including trade secrets, and infection of others' networks. It also covers costs to comply with applicable laws that require the insured to notify customers or users if a security breach could potentially compromise private information. RECOMMEND A WELL-ROUNDED COVERAGE PORTFOLIO
At CNA, we have a forward-looking philosophy built on transparency to continuously evolve to meet the needs of our agents and their customers. The CNA Connect® business owners’ policy provides small business clients with broad coverages and more than 300 optional endorsements with increased deductible options and a wide range of limits for Property and General Liability. CNA Connect® is available for more than 600 classes of business. Our innovative tools and resources, and award-winning automation capabilities make it easier to build your business and serve your clients. Help your small business clients learn more about their coverage needs by providing them with the article 5 Critical Insurance Protections Every Small Business Owner Needs in 2019 and send all inquiries to your local CNA Field Sales Specialist Brittney Dawson at Brittney.Dawson@cna.com.
MOVE FASTER THROUGH TRANSPARENCY James Reynolds All too often leaders assume that their people should receive information on a need to know basis, and most of them don’t need to know. However, if your people don’t know where you are going, how will they know what direction to move to get you there? And, if you have the right people on your team, they can probably provide insight and innovation that will get you where you want to go faster than you can push the organization. Move faster through transparency. Transparency of your plan to the team is one element that I see in organizations that are experiencing growth, low employee turnover, and a positive work environment. This doesn’t need to be to the extreme of opening your accounting books to your employees, but at a minimum they need to know where you have your sights set and how you plan to get there. If you don’t know where you are going, that’s an even bigger problem. If you don’t have a plan, you’re not just going nowhere, you’ll soon be surpassed by everyone else. At every opportunity, communicate where you are today, where you are heading, and what it will take to get there. Communication is the foundation for all relationships and it is also the glue that holds any organization together. You cannot be transparent about your intentions unless they are communicated, and your team may not understand your intentions unless they can ask questions for clarification. Remember, effective communication goes both directions. If you have not been transparent in the past it may take time before your team really understands your vision, but you will experience accelerated forward motion when they align their goals and objectives with yours. MOVE FASTER, CONT’D ON PAGE 4
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MOVE FASTER, FROM PAGE 3
James Reynolds leads the Northern Colorado operations for Barrett Business Services, Inc. (BBSI). BBSI (NASDAQ:BBSI) is a leading provider of business management solutions, combining human resource and strategic management consulting to create a unique operational platform that is unlike any other in the market. This platform helps clients leverage their investment in human capital; bring predictability to their organization; and enables business owners to focus on their core business by reducing organizational complexity and maximizing productivity. The insights gained through their own growth, along with the trends they see in working with more than 6,000 companies each day across 22 states, define their approach to guiding business owners through the challenges associated with being an employer. BBSI's business teams align with each business owner client to focus on the objectives of each business owner and deliver planning, guidance and resources in support of those objectives.
NEW TALENT PIIAC has been working hard to develop new talent and recently had four individuals complete P&C pre-licensing and pass the state licensing exam. These candidates are pursuing a position in the independent insurance industry. Resumes are available upon request. Email Colleen Davis for additional information about these candidates. CASSANDRA ZAJAC
I am excited to work in a diverse and interesting industry. I look forward to becoming part of a team focus on fulfilling the insurance needs of their customers. Pursuing a position in Denver/Five Points/Downtown. ELIZABETH REYNOLDS
I look forward to providing clients with a peace of mind and treating them with respect. Pursing a position in the Aurora/DTC area. TAYLOR FLEMING-JOSEPH
I am passionate about working with people and look forward to the opportunity to help find the right coverages for my clients. Pursuing a position in the Denver/Downtown. LISA MARTINEZ
I look forward to working with people to determine their insurance needs and providing stellar customer service. Obtained a position at Buckner.
UNDERSTANDING NCCI CLASS CODES TAKE A CLOSER LOOK AT WHAT IT MEANS TO CLASSIFY A BUSINESS VERSUS AN OPERATION
Pinnacol’s underwriters consider many factors when determining our mutual customers’ premiums. Among the most important factors are classification codes the rating bureau, the National Council on Compensation Insurance, assigns to businesses and industries (e.g., painting, retail). NCCI bases these codes on injury rates or historical risks associated with specific industries. Our agent partners tell us small-business owners often ask why their businesses are classified according to a general business type rather than by their employees’ actual work, which is less risky than what is typical of their business type and thus should result in a lower premium. The following example will help you answer this question. AN EXAMPLE
Let’s look at a small residential construction contractor, which consists of an owner (who has elected to reject workers’ compensation coverage, as allowed) and an administrative assistant. The owner wants the administrative assistant covered and a policy that uses only classification code 8810, “clerical office employees.” NCCI, COND’T ON PAGE 5
5 AUGUST 2019 NCCI, FROM PAGE 4
According to NCCI regulations, Pinnacol underwriters must classify the policy — and set the premium — based on the business type and the risks associated with that business. In this case, the correct classifications for this residential builder would be 5645, “Carpentry — Detached One-or Two-Family Dwellings,” and 8810, which is a standard exception. (Standard exceptions are classifications that describe occupations common to many types of business; 8810 is the standard exception for a clerical office.) This policy would have both class codes because the primary hazards of the business are not in the office but on the job site. When underwriters classify a business, their first step is to establish one basic classification. Then they add any operations defined in the classification scope that need to be rated separately. At that point, they consider these questions: • Do general inclusions or general exclusions apply? General inclusions are certain operations a business performs that would be eligible for their own classification if the operations were conducted as a separate business. Examples of general inclusions are health centers or medical facilities an employer operates for its employees. General exclusions are certain operations that involve hazards not included in a basic classification. Unlike general inclusions, general exclusions are separately classified unless the basic classification states the operation is specifically included. Examples of general exclusions are new constructions or alterations. • Can another basic classification apply? • Do standard exceptions apply? Getting back to our example of the contractor, even though the owner has no employees other than the administrative assistant, he or she could be a “statutory employer.” In other words, if a general contractor uses a subcontractor that doesn’t have a current workers’ compensation policy, the general contractor is responsible for any injury the subcontractor’s workers incur. (Colorado Workers’ Compensation Act 8-41-401 specifically addresses this issue.)
OIN PIIAC EDUCATION CALENDAR Classroom Courses SEPTEMBER September 10
CISR Life and Health Essentials - Grand Junction September 17
CISR Agency Operations - Denver OCTOBER October 2-3
James K. Ruble Graduate Seminar - Denver October 15
CISR Elements of Risk Management - Denver October 23-25
CRM Principles of Risk Management - Denver October 29
CISR Personal Auto - Fort Collins NOVEMBER November 6-8
CIC Commercial Multiline - Denver CERTIFICATES
Any entity (e.g., another contractor, a client) that requests a certificate of workers’ compensation coverage probably is not interested in whether the contractor has workers’ compensation coverage for his or her administrative assistant. That contractor or client simply wants assurance that his or her employees on the job site will be covered. Because Pinnacol certificates do not show any classifications, the other entity would not know what classifications the policy covers.
November 12
CISR Personal Lines Misc. - Denver DECEMBER December 10
CISR Commercial Casualty II - Denver FEBRUARY February 5-7, 2020
SUMMARY
NCCI business classification codes are designed to describe businesses — and the risks associated with those businesses — as a whole. In the case of the residential contractor, the nature of the business is both clerical and construction-related, and why both classification codes would be on the policy. Content provided by Pinnacol Assurance. Click here for original article.
CIC Agency Management APRIL April 1-3, 2020
CIC Commercial Casualty MAY May 6-8, 2020
CIC Insurance Company Operations
P&C Pre-Licensing September 5-6 – Denver October 10-11 – Denver November 4-5 – Denver December 2-3 – Denver
On Demand CE Webcasts
6AUGUST 2019
OIN WHAT IA’S NEED TO KNOW ABOUT MILLENNIALS Kevin Jenné
When our teams at Liberty Mutual and Safeco Insurance talk to independent insurance agents, some of the most common questions we hear are about millennial insurance consumers. Questions such as: “What do millennials want from us?” and “How do we market to younger insurance customers and keep from losing them to direct-to-consumer carriers?” These are important questions. In our original Agent for the Future™ survey, 55 percent of agents said the rise of the millennial consumer segment would have a major effect on their agency by 2020. Millennials (those born between 1981 and 1997) are now the largest generation of adults in the U.S., numbering more than 73 million, according to Pew Research Center. They are entering their peak earning years, starting families, buying houses and making more complex purchases. Millennial consumers will be the most influential market segment for the next few decades. Any business that wants to survive must learn how to attract and keep millennial customers.
IA’S, COND’T ON PAGE 7
AGENTS, ARE YOU OFFERING FLOOD INSURANCE TO ALL PROSPECTIVE AND EXISTING CLIENTS? Every year, flooding causes an average of $50 billion in damages, making it the costliest and most common natural disaster in the United States. The majority of the federal disaster areas declared by the president of the United States involve floods. While some housing assistance funds are available through the Individuals and Households Program, most disaster assistance from the Federal government is provided in the form of loans administered by the Small Business Administration. CONSIDER THESE STATISTICS FROM FEMA:
• Floods or flash floods have occurred in all 50 states over the past five years. • Over the course of a 30-year mortgage, in a high-risk flood zone there is a 26% chance of a flood, versus a 10% chance of a fire. • Homes outside of high-risk flood areas file more than 20% of all National Flood Insurance Program (NFIP) claims and typically receive one-third of federal disaster assistance for flooding. Most homeowners and commercial property policies exclude flood damage. Coverage is available from the National Flood Insurance Program (NFIP) and a few private insurers, yet many property owners still fail to protect their biggest asset by purchase Flood insurance. Every time agents quote a property policy, whether it’s personal or commercial lines, they should run a flood zone determination so they can discuss with their client what flood zone their structure is located in. If the zone is a Non-Special Flood Hazard Area (NSFHA) B, C or X and the structure meets loss history criteria then the agent can quickly quote the Preferred Risk Policy (PRP). Preparing a flood quote along with the hazard quote allows the agent to explain that every structure is at risk. The PRP is a low-cost option. When the risk is in a Special Flood Hazard Area (SFHA) agents will determine if the structure is built prior to or after the initial Flood Insurance Rate Map (FIRM) for a Community, hence the term Pre- FIRM or Post-FIRM. The elevation certificate would be required to quote a Post-FIRM structure and it would be optional for a Pre-FIRM structure. To learn more access the NFIP Flood Manual at: https://www.fema.gov/media-library/assets/documents/178743 Protect your agencies E & O. Know the flood zone, offer the coverage and document any rejection. Fore more than 30 years, National Flood Services (NFS) has been dedicated to make a difference in people’s lives by helping protect what is important. We are passionate about our work, knowing that flood insurance is essential to helping rebuild lives devasted by flood. Our colleagues across the US are focused on building valued partnership with Write-Your-Own (WYO) carriers, educating insurance agents and property owners through the complexities of flood insurance, and providing flood insurance solutions designed to address a broad range of needs – before, during and after a flood. Heidi L. Kaibel, NFI is a Field Relations Support Specialist with National Flood Services (NFS). Contact her at: Heidi.kaibel@nationalfloodservices.com. ADDITIONAL RESOURCES:
NFIP Summary of Coverage National Flood Services Q3 & Q4 Flood Insurance Training Webinar Schedule
HEIDI KAIBEL WILL BE SPEAKING AT THE 2019 ANNUAL CONVECTION
7 AUGUST 2019
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Our Research At Liberty Mutual and Safeco, we believe independent insurance agents will win with consumers of any generation. We want to offer practical advice and insights to help agents succeed and better understand and serve their customers. So we set out to help answer some of those questions we’re hearing from agents. In March 2019, our research team conducted a survey among 2,860 consumers throughout the United States – roughly 1,600 millennials, 600 Gen-Xers and 600 baby boomers. The survey covered topics such as how consumers view insurance and agents, the key factors they consider when purchasing insurance, what they look for in an agent, and more. You can read the first full report on our findings here. Here are a few of the main things we found: Millennials don’t just care about price There’s a popular notion in the insurance industry that millennials care about price above all other buying factors. Our research found that this is not the case! While members of every generation listed price as one of the key factors when purchasing insurance, millennials were no more price-sensitive than Gen-Xers or baby boomers. In fact, millennials and older generations have similar priorities when looking for insurance. When it comes to purchasing insurance, 52 percent of millennials want the most comprehensive coverage for a good price. Half want to understand the coverage, and 49 percent want a reputation for good service. Only 31 percent want the lowest price even if it means a basic policy (compared with 29 percent of Gen-Xers and 18 percent of baby boomers). Millennials are more likely than older generations to find an agent through digital engagement Younger consumers still appreciate the human touch. While millennials are more likely than older generations to buy insurance online, the majority of them still purchase through exclusive or independent agents. 52 percent of millennials bought auto insurance through an agent, and 58 percent bought home insurance through an agent. However, millennials are more likely to learn about agents and choose an agent through digital channels such as online reviews, online search and social media. Our survey found that more than one in four millennials said they learned about an agent through digital engagement, compared with 18 percent of Gen-Xers and 12 percent of baby boomers. When it came to choosing one agent over another, millennials were more likely than older generations to look at an agent’s digital presence. 43 percent of millennials looked for positive online reviews, 28 percent considered social media engagement, and 24 percentlooked for a modern website. These findings highlight the importance of encouraging online reviews from happy clients and responding politely to any critical reviews. Agents may also consider working with search engine optimization (SEO) experts to keep the agency’s website visible. Millennials want you to help them become informed consumers Interestingly, millennials are three times as likely as baby boomers to say that they constantly worry about what-if scenarios. They want to know all the details of their policy and understand how it will protect them in a worst-case scenario. You can put their fears to rest by showing them how you can deliver the right coverage. Our survey found that millennials recognize that they have a lot to learn about insurance. They desire to be informed consumers, and they want their agent to help educate them. Of those who worked with agents, 80 percent said they want their agent to help them understand insurance. Their top priorities of things to talk through include how their coverage works, what to expect if they have a claim, the unique features of their policy, and how to manage their policy online. Good news for independent agents Millennials who use agents report high levels of satisfaction. 83 percent said they trust their agent, and 81 percent said they plan to use their current agent again. This shows that if agents can demonstrate their unique value to attract millennial consumers, millennial clients are likely to stick around as their needs change and grow. In our full report, we dig into more findings and insights. Download the report here or view this short video for more stats and takeaways. Follow this link to original article.
KEVIN JENNÉ Director of Agent and Consumer Research – Liberty Mutual Insurance
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9 AUGUST 2019
OIN COLORADO INSURANCE NEWS VOLUME 27 • ISSUE 6 • AUGUST 2019 Copyright 2019 by Professional Independent Insurance Agents of Colorado, Inc. All rights reserved. Colorado Insurance News is published electronically each month by the Professional Independent Insurance Agents of Colorado, 8354 Northfıeld Boulevard, Suite 2710, Denver, Colorado 80238.
2019
TO JOIN OUR DISTRIBUTION LIST, CLICK HERE.
ANNUAL CONVENTION
THE MISSION of the Professional Independent Insurance Agents of Colorado is to advance, foster, and protect professional insurance agents, satisfy their political, educational, and business needs and provide professional products and services that will create a mutually benefıcial environment for members while maintaining the highest ethical business standards.
AMERISTAR CASINO | BLACK HAWK CO | SEPTEMBER 11 – 12, 2019
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in Colorado Insurance News, contact PIIAC at 303.512.0627. Ad rates per issue: Full-page, $500; half-page island, vertical or horizontal, $350; quarter-page, $250; eighth-page, $200. Deadline for ads is the 1st of the month prior to publication.
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Join Us FOR OUR ANNUAL CONVENTION! Don’t miss out on two days full of information
PROFESSIONAL INDEPENDENT INSURANCE AGENTS OF COLORADO, INC.
YOUR PIIAC TEAM 303.512.0627 BRYAN BERNIER
8354 Northfıeld Boulevard,
Chief Executive Officer
Suite 2710, Denver, Colorado 80238
bryan@piiac.com
offıce 303.512.0627 fax 303.512.0575 www.piiac.com
and fun!
KEY EVENTS
NICOLE HANNA Vice President nicole@piiac.com MEGAN REINBOLD
Trade Show
Executive Assistant
Keynote Speaker: Kenny Aronoff
megan@piiac.com
Luncheon Breakout Sessions Including: THE SAVVY SOCIAL SELLER: SOCIAL MEDIA FOR BUSINESS DEVELOPMENT (3 PC) Matt O’Neill and Brad O’Neill | Beyond Insurance
STREET LEVEL ETHICS Chris Behymer, CPCU, CIW | Markel Assurance
JUST THE FLOOD FACTS Heidi Kaibel | NFS on behalf of The Hartford
EMERGING TRENDS IN HOMEOWNERS (2 HOMEOWNERS) Cody Boren and Brad Milley | Safeco Insurance
PIIAC OFFICERS SUSY FREEMAN FISCHER Chair of the Board
SURPLUS LINES UPDATE: COLORADO AND INTERNATIONAL (1 PC) John Wethey | Surplus Lines Association of Colorado
HOW TECHNOLOGY IS DISRUPTING THE RISK MANAGEMENT INDUSTRY (1 PC)
Michel Brooklyn | Roof Worx
colleen@piiac.com
Past Chair of the Board
CYBIL LOVAS
STEVE PIERCE
Operations
Vice Chair of the Board
cybil@piiac.com
GARY FRISCH
SUE KETCHUM
State National Director
Accounting Director
Jeff Magoon | Scalable Risk Solutions
DRONES AND HOMEOWNERS (1 HOMEOWNERS)
Education Director
GAIL JORDAN
THE SINGLE GREATEST THREAT TO EVERY COMPANY: CYBERCRIME (2 PC) Jonathan Sherman and Ben Wright | Evolve MGA
COLLEEN DAVIS
sue@piiac.com
NAVIGATING POLLUTION EXPOSURES (1 PC) Harrison Scheider | Brown & Riding Your 30 day CYBERsecurity action plan (1 pc)
Dustin Mooney | RIGIDBITS
CHRISTINA MERTENS
Cocktail Reception
Account Manager
Annual Dinner
christina@piiac.com
REGISTER TODAY!
PIIAC DIRECTORS MIKE ADAMS
TONY HILL
CLICK HERE TO REGISTER
CHRIS ELDREDGE
Membership and E&O Consultant
UWE “TROUT” KIRCH
tony@piiac.com
10 AUGUST 2019
2019
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ANNUAL CONVENTION SCHEDULE D Z/^d Z ^/EK ͮ > < , t< K ͮ ^ Wd D Z ϭϭ ͵ ϭϮ͕ ϮϬϭϵ
WEDNESDAY, SEPTEMBER 11 2:00 PM
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ϱƚŚ &ůŽŽƌ
3:00 PM
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^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
8:00 PM
dƌĂĚĞ ^ŚŽǁ ŶĚƐ
^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
8:00 PM
,ŽƐƉŝƚĂůŝƚLJ ^ƵŝƚĞ ĂŶĚ dĞdžĂƐ ,ŽůĚ ͚ ŵ dŽƵƌŶĂŵĞŶƚ
Drinks Sponsored by Markel
ZŽŽĨ dŽƉ >ŽƵŶŐĞ Θ WŽŽů
THURSDAY, SEPTEMBER 12 8:00 AM
ZĞŐŝƐƚƌĂƟŽŶ KƉĞŶƐ
8:30 AM
ƌĞĂŬĨĂƐƚ
9:00 AM
<ĞLJŶŽƚĞ ^ƉĞĂŬĞƌ Ͳ <ĞŶŶLJ ƌŽŶŽī ƌƵŵŵĞƌ ĨŽƌ :ŽŚŶ DĞůůĞŶĐĂŵƉ
ϱƚŚ &ůŽŽƌ ^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
^ƉŽŶƐŽƌĞĚ ďLJ ^ǁŝƐƐ Z ŽƌƉŽƌĂƚĞ ^ŽůƵƟŽŶƐ
^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
REFRESHMENT BREAK | SPONSORED BY RPS 11:30 AM
ǁĂƌĚƐ >ƵŶĐŚĞŽŶ Θ /ŶĚƵĐƟŽŶ ŽĨ W// ŽĂƌĚ
1:00 PM
ŽŶĐƵƌƌĞŶƚ ^ĞƐƐŝŽŶƐ ηϭ
^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
THE SAVVY SOCIAL SELLER: SOCIAL MEDIA FOR BUSINESS DEVELOPMENT (3 PC)
DĂƩ K͛EĞŝůů ĂŶĚ ƌĂĚ K͛EĞŝůů ͮ ĞLJŽŶĚ /ŶƐƵƌĂŶĐĞ ͮ ůŝīƐŝĚĞ
STREET LEVEL ETHICS (3 ETHICS)
ŚƌŝƐ ĞŚLJŵĞƌ͕ W h͕ /t ͮ DĂƌŬĞů ƐƐƵƌĂŶĐĞ ͮ Peaks A
JUST THE FLOOD FACTS (3 PC + FLOOD CERTIFICATE) ,ĞŝĚŝ <ĂŝďĞů ͮ E&^ ŽŶ ďĞŚĂůĨ ŽĨ dŚĞ ,ĂƌƞŽƌĚ ͮ ůĞǀĂƟŽŶ ZŽŽŵ
EMERGING TRENDS IN HOMEOWNERS (2 HOMEOWNERS) ŽĚLJ ŽƌĞŶ ĂŶĚ ƌĂĚ DŝůůĞLJ ͮ ^ĂĨĞĐŽ /ŶƐƵƌĂŶĐĞ ͮ Peaks B
11
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AUGUST 2019 1:00 PM
ŽŶĐƵƌƌĞŶƚ ^ĞƐƐŝŽŶƐ ηϭ ;ĐŽŶƚ͛ĚͿ DRONES AND HOMEOWNERS (1 HOMEOWNERS) Michel Brooklyn | Roof Worx | Peaks B
SURPLUS LINES UPDATE: COLORADO AND INTERNATIONAL Johnathan Sherman and Ben Wright | Evolve MGA | Cliffside A
AND YOUR 30 DAY CYBER SECURITY ACTION PLAN (2 PC) Dustin Mooney | RIGIDBITS | Cliffside A
4:00 PM
Concurrent Sessions #2 SURPLUS LINES UPDATE: COLORADO AND INTERNATIONAL (1 PC) :ŽŚŶ tĞƚŚĞLJ ͮ ^ƵƌƉůƵƐ >ŝŶĞƐ ƐƐŽĐŝĂƟŽŶ ŽĨ ŽůŽƌĂĚŽ ͮ ůŝīƐŝĚĞ
SPONSORED BY RPS
HOW TECHNOLOGY IS DISRUPTING THE RISK MANAGEMENT INDUSTRY (1 PC) :Ğī DĂŐŽŽŶ ͮ ^ĐĂůĂďůĞ ZŝƐŬ ^ŽůƵƟŽŶƐ ͮ Peaks A
NAVIGATING POLLUTION EXPOSURES (1 PC)
,ĂƌƌŝƐŽŶ ^ĐŚĞŝĚĞƌ ͮ ƌŽǁŶ Θ ZŝĚŝŶŐ ͮ ůŝīƐŝĚĞ
6:00 PM
ŽĐŬƚĂŝů ZĞĐĞƉƟŽŶ
^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
7:00 PM
ŶŶƵĂů ŝŶŶĞƌ
^Ƶŵŵŝƚ ĂůůƌŽŽŵ Ͳ ϱƚŚ &ůŽŽƌ
^ƉŽŶƐŽƌĞĚ ďLJ EĂƟŽŶǁŝĚĞ
sŝƐŝƚ ǁǁǁ͘ƉŝŝĂĐ͘ĐŽŵ ƚŽ ƌĞŐŝƐƚĞƌ͘
PIIAC
Convention 2019
Ύ ƫƌĞ ĨŽƌ ĚĂLJ ϭ ŝƐ ϴϬ͛Ɛ ƚŚĞŵĞ ;ŽƉƟŽŶĂůͿ Žƌ ďƵƐŝŶĞƐƐ ĐĂƵƐĂů͘ ĂLJ Ϯ ƵŶƟů ϱƉŵ ŝƐ ďƵƐŝŶĞƐƐ ĐĂƐƵĂů͘ ƫƌĞ ĨŽƌ ĐŽĐŬƚĂŝů ƌĞĐĞƉƟŽŶ ĂŶĚ ĂŶŶƵĂů ĚŝŶŶĞƌ ŝƐ ĐŽĐŬƚĂŝů ĂƫƌĞ͘ W// ƌĞƐĞƌǀĞƐ ƚŚĞ ƌŝŐŚƚ ƚŽ ĂĚũƵƐƚ ƚŚĞ ƟŵŝŶŐ ŽĨ ƚŚĞ ĐŽŶǀĞŶƟŽŶ ƐĐŚĞĚƵůĞ ǁŝƚŚŽƵƚ ĂĚǀĂŶĐĞĚ ŶŽƟĐĞ͘