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PIA of Nebraska and Iowa, Main Street Industry News
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January 2015 | Published Monthly
The Bad Hire – Costly but not how you think »14
SmartphonesThe Latest Cyber Threat »16
It’s Official — Or Close to it —The Hard Market is Over »7
INSIDE
Is Documentation Really that Important? »10
Cover Photo Credit:Garry Jones, Nebraska wind
National Association of Professional Insurance Agents400 N. Washington St., Alexandria, VA 22314-2353www.pianet.com | [email protected] | (703) 836-9340
Did you know that PIA has figured out a way to make selling flood insurance easier?
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Floodbroker has automated the process of obtaining a flood insurance quote through the National Flood Insurance Program (NFIP) and makes this technology available to participating PIA member agents through their very own agency-branded, flood insurance microsites.
Agents direct their clients and prospective insureds to their Floodbroker microsite where they can learn what flood zone they are in and request a flood insurance quote. After answering a few simple questions the quote is emailed to their agent who completes the sale offline using their agency’s regular flood insurance carrier. Even in cases where an actual quote cannot be generated online, the prospect can still submit the information they have input into the form so that their agent can get back to them and continue the flood insurance sale offline.
Learn more about this program at www.pianet.com/floodbroker.
Not a PIA member? Please consider joining the association that arms agents with the tools they need to succeed. Contact us for a membership application or visit us online at www.pianet.com/joinpia.
January 2015 | Main Street Industry News | www.pianeia.com | 4
The WorkspaceCritical to Job Performance | 14We spend more time in our offices than anywhere else.
SmartphonesThe Latest Cyber Threat | 16Smartphones are the newest target of cyber thieves. Actually, for the last few years it has been a problem but the problem is now growing more serious.
It’s Official — Or Close to it — The Hard Market is Over | 7Richard Kerr of MarketScout was the first person to declare insurance had officially entered a hard market.
Two ViewpointsInsurance Predictions 2015 | 8The first viewpoint is a survey from the 2015 Joint Industry Forum held in New York a few weeks ago.
Is Documentation Really that Important? | 10For some strange reason, this is a common question among agency staff.
2014’s $50 Billion in Profits &Its Relation to Catastrophe | 12Insurance Information Institute (I.I.I.) President Dr. Robert Hartwig has been crunching numbers for 2014.
The Bad HireCostly but not how you think | 14We all know hiring the wrong person can be costly. Employees — even those with insurance experience — do cost to train. Those without an insurance background are even more expensive.
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piA Ne iA eveNTS
Upcoming Events Calendar 2014 | 20
AdverTiSemeNTS
Contact us to place an ad.Cathy Klasi, Executive Director(402) 392-1611
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January 2015 | Main Street Industry News |www.pianeia.com| 7
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Richard Kerr of MarketScout was the first person to declare insurance had officially entered a hard market. He said it happened in November of 2011. While a lot of economic experts disagreed with Kerr at the time, most of us found the statement correct.
We enjoyed the good time but here we are 37-months later and Kerr has declared the hard market over. “We are on a cusp of a soft market. Throughout 2014, the composite P&C rate slowly drifted towards renewing as expiring, and in December we finally hit that mark,” he said.
Kerr thinks we’ll see an entrenched soft market early this year. But it may not be as bad as you think. “We don’t expect the aggressive pricing that occurred in the last soft market cycle; however, smart companies will be prepared for a changing rate environment.”
The positive in the decreases involves a positive economy and a forecast of economic growth for 2015. That means increased exposures and more insurer appetite. With that growth Kerr said independent insurance agents — such as yourselves — will “enjoy increased revenues as their insureds grow.”
That said, Kerr warns insurers and others in the industry to be prepared. “If you budgeted for increases in rates in 2015, you best change that portion of your business plan now. We suggest planning for slight rate decreases beginning at the end of the first quarter and slowly increasing to a reduction of 4 to 5 percent by the end of 2015.”
It’s Official — Or Close to it
The Hard Market is OverMarketScout’s analysis is fueled by pricing surveys conducted by the National Alliance for Insurance Education and Research.
Commercial rates were down on average in December by 1%. On one end employment practices liability rose 2%, and on the other commercial property and commercial auto dropped 2%.
Kerr said, “The personal insurance market has been relatively stable in 2014 with rate increases ranging from 2% to 4%. We expect continued pricing stability in 2015 absent cataclysmic events.”
In December homeowners rose 3% for homes valued at up to $1 million and those over a million saw prices jump 2%. Auto is up 2% and personal articles rose 1%.
Here is what MarketScout is reporting by coverage class:
• Commercial property — flat or zero• Business interruption — flat or zero• Inland marine — flat or zero• Workers’ Conversation — flat or zero• Fiduciary — flat or zero• Crime — flat or zero• Surety — flat or zero• General Liability — up 1%• Umbrella/excess — up 1%• Commercial auto — up 1%• BOP — up 1%• Professional liability — up1%• D&O — up 1%• EPLI — up 2% n
Source links: PropertyCasualty360.com, Insurance Business America and Insurance Networking News
January 2015 | Main Street Industry News | www.pianeia.com | 8
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The first viewpoint is a survey from the 2015 Joint Industry Forum held in New York a few weeks ago. It was conducted by the Insurance Information Institute (I.I.I.) who polled 250 insurance executives, and other insurance movers and shakers about insurance in 2015.
The survey questions that most impact you start with profitability. None of the executives from the I.I.I. investigation expect commercial lines, workers’ compensation, personal auto or homeowners to be more profitable in 2015.
The one line all expect to grow — and it may be a new profit source for your agency or for you if you are a solo operation — is cyber insurance. A staggering 80% of those surveyed said it will be a profit center in 2015.
Few expect premium growth to improve and a high percentage —92% — expect mergers and acquisitions to continue to increase.
The second look at 2015 comes from Keefe, Bruyette & Woods (KBW). Its analysts think operating profits for insurers will improve slightly in 2015. Speaking for the firm is Meyer Shields. He said workers’ compensation, a few casualty lines, general liability and commercial auto liability will see small increases but property lines will decline.
“There are a lot of insurance carriers and so it remains a very competitive marketplace. Companies believe they can earn an adequate return and still price competitively, which should drag down prices,” Shields said.
Here’s the I.I.I. survey.
Two ViewpointsInsurance Predictions 2015
Do you expect an improvement in profitability in 2015 for the following lines? Yes NoPersonal auto: 39% 61%Homeowners: 46% 54%Workers compensation: 44% 56%Commercial Lines: 42% 58%
As compared with 2014, do you expect the combined ratio will be higher or lower in 2015?
Higher — 74%Lower — 26%
Will premium growth in 2015 be higher, lower or flat compared to 2014?
Higher — 36%Lower — 18%Flat — 46%
Do you expect industry capacity (as measured by policyholder surplus) to increase, decrease, or remain flat in 2015?
Increase — 78%Decrease — 4%Flat — 18%
Do you think the federal government is interested in further expanding its regulatory oversight of insurers?
Yes — 72%No — 28%
January 2015 | Main Street Industry News |www.pianeia.com| 9
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Will M&A activity among insurers/reinsurers increase in 2015?
Yes — 92%No — 8%
Will tort trends improve, deteriorate or remain about the same in 2015?
Improve — 16%Deteriorate — 18%Same — 66%
Do you see cyber insurance as a major growth area for commercial insurers?
Yes — 80%No — 20%
Do you expect another up year in the equity markets in 2015?
Yes — 68%No — 32%
Do you expect interest rates will rise, fall or remain flat in 2015?
Rise — 40%Fall — 4%Flat — 56%
Do you think the U.S. economic growth in 2015 accelerate, decelerate or remain about the same?
Accelerate — 56%Decelerate — 6%Same — 38% n
Source links: Insurance Information Institute, Risk and Insurance
January 2015 | Main Street Industry News | www.pianeia.com | 10
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For some strange reason, this is a common question among agency staff. For those staffers who have never experienced an errors-and-omissions claim, possibly it is hard for them to truly and totally comprehend the value of good quality documentation.
Hopefully, the agency veterans can emphasize the significant value documentation provides related to the direction E&O claims can take.
An important elementDocumentation is one of the most important elements of a quality E&O culture and commitment within an agency. However, for an agency staff member to state that he or she documented the conversation in the file may not be good enough. What does the documentation say? What story does it tell? A number of components are essential for documentation to possess its true value.
The documentation should be performed promptlyThis does not mean at the end of the work day or “when I have a minute.” Ideally, it means as soon as the conversation has concluded. For
Is Documentation Really that Important?by Curtis Pearsall, President, Pearsall Associates, Inc., and Special Consultant to the Utica National E&O Program
those that can multi-task, documenting the discussion while you are having it is great as it enables you to accurately note the various items/topics being discussed.
The documentation should include details such as with whom you spoke, what was discussed, whether there are any open items and who has what responsibilities and duties moving forward.
The documentationshould be professionalThis may fall into the “common sense” category, but there is the possibility that the discussion was emotional in some manner. The agency staff should be careful to ensure the documentation does not reflect this emotion. The saying “don’t put anything in the file that you wouldn’t want a jury to read” comes to mind. For example, the following statements recovered from actual files did not help the agency’s defense: “I’m sorry I could not get back to you sooner” and “I’ve been too busy.”
The documentationshould tell a storyIf the customer calls back and the initial staff member is not available, the staffer helping the customer will be able to read the documentation, know exactly what was discussed and determine what any “next steps” are.
At times, the file should reflect some form of written communication (e-mail, letter, etc.) that
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memorializes the conversation. When a person documents a conversation, he or she is, in essence, documenting his or her version of it. Is it possible there was a misunderstanding or that the customer didn’t provide the information he or she thought?
This does happen, so documenting the details of the conversation back to the customer is a solid E&O loss prevention tool. The goal is to make the customer accountable for his or her insurance decisions.
Documentation is keyIf agencies followed these straightforward concepts, there would be fewer E&O claims and a greater percentage of E&O claims that did develop would be closed for “no pay.” Unfortunately, this does not always occur and, invariably, the most important document in the E&O matter is the one that is not in the file. It involves those declinations/deletions of coverage and explanations or answers to various insurance-related questions.
It is amazing how at the time of an E&O claim, one of the parties (typically the insurance professional) will be adamant that he or she had a conversation with the customer and can almost recite “chapter and verse” details of that conversation. Ironically, the other party (the customer) will have a totally version of that conversation or may actually allege that he or she does not even remember the discussion ever happening. Therefore, is it to be assumed that this will happen and that everyone will have a different story? Perhaps. This in itself shows the value of good quality documentation.
Imagine an E&O claim has occurred and you are asked to produce various documents as is typically the case. As the agency producer/CSR on the file, you produce records of detailed conversations with the customer. Let’s presume that your customer, who will be asked to produce his or her various documents, has nothing. Who do you think will have more
credibility in the eyes of the court? Showing a solid track record of providing consistent quality documentation will certainly enhance your credibility.
Now take the opposing perspective. You as the agency staff member comment that you remember explicitly the exact conversations you had with your customer. However, when you are asked to produce details of those conversations, you have nothing. A common phrase used by attorneys in E&O matters is “If it’s not in the file, it didn’t happen.” Your memory of those conversations will not carry the same weight as the necessary detailed documentation.
There have been a significant number of E&O claims where good quality documentation heavily determined the direction of the claim. In fact, many E&O carriers state year after year that they are closing 2 out of every 3 E&O claims for no payment. That is an impressive statistic which speaks to the quality of the defense counsel, the agencies the carrier insures and the agencies’ strong commitment to solid E&O loss prevention.
Unfortunately, there have been a significant number of E&O claims where the lack of quality documentation resulted in the agency being responsible for the damages when it probably should not have been. There were cases where the CSR stated that he or she was “just too busy” to do the proper job of documentation. Imagine being on a jury and hearing that!
Clearly, good quality documentation is the key. As Aristotle once stated, “Excellence is an art won by training and habituation. We are what we repeatedly do. Excellence, then, is not an act but a habit.”
Sounds like a pretty smart man. n
January 2015 | Main Street Industry News | www.pianeia.com | 12
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Munich Re’s NatCatSERVICE puts U.S. catastrophe losses at $15.3 billion for last year. Company spokesman Carl Hedde said 80% of that is from severe thunderstorms. Here are the cat losses:
2014 2014 2013 2013Catastrophe Events Losses Events Losses
Severe Thunderstorms 62 $12.3 billion 69 $10.3 billion
Winter Storm 13 $2.3 billion 11 $1.9 billion
Other 44 $700 million 48 $625 million
Total 119 $15.3 billion 128 $12.8 billion
Insurance Information Institute (I.I.I.) President Dr. Robert Hartwig has been crunching numbers for 2014. He believes when the counting is done profits — that’s net income after taxes — will be $50.3 billion.
It’s the second best insurance has done since the recession hit in 2008. The 2013 figure of $63.8 billion is best.
Hartwig made his prognostication at a natural catastrophe media event hosted by the I.I.I. and Munich Re. And with that, Hartwig said fewer catastrophes is a good place to start for the profit figure. “Catastrophe losses or the lack thereof are defining events in determining the profitability of the industry.”
He pointed to the relationship of catastrophe to profits and return on investment:
In 2011 tornadoes that came in bunches • gave the industry a 4.7% ROE.
In 2012 Superstorm Sandy saw the ROE • take a hit and end up at 6.2%
In 2013 fewer catastrophes saw a 9.8% • ROE.
And then Hartwig predicted a 7.7% ROE, and a record surplus hitting somewhere around $675 billion. The investment income part of the $50.3 billion is going to be around $45.7 billion. That’s down from $47.4 billion in 2013.
2014’s $50 Billion in Profits &Its Relation to Catastrophe
January 2015 | Main Street Industry News |www.pianeia.com| 13
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The tornado season in 2014 was late • but the $12.3 billion in losses is the fourth
highest on record.
The Eastern U.S. had the coldest winter in • a decade and damages topped $2.3 billion.
The 980 natural catastrophe events is the • highest total in a decade.
The most expensive earthquake in 2014 • was the Napa quake.
Ironically, between 1983 and 2013, the • most expensive catastrophes have been
earthquakes.
The 7,700 fatalities worldwide paled in • comparison to the 21,000 in 2013.
It is also way below average for the past • 10-years of 97,000 and for the 56,000 average for the last 30. n
Source link: Carrier Management
Here are other catastrophe stats presented at the media event:
January 2015 | Main Street Industry News | www.pianeia.com | 14
We all know hiring the wrong person can be costly. Employees — even those with insurance experience — do cost to train. Those without an insurance background are even more expensive.
So when one is a bust it’s costly from that standpoint, and if they’ve alienated a client, or two, or three, that adds up, too.
A study by Robert Half says — yes, those costs are important — they aren’t the biggest cost to a company. In fact, the study of CFOs asked to comment on the problem said financial cost isn’t at the top of their list and isn’t the biggest risk of a new hire.
What’s impressive about financial not being at the top, is a bad hire ending up costing 30% of that person’s annual salary. We know 30% of low to high five-figures or even six is a lot.
No. Robert Half’s Greg Schileppi said the biggest cost is morale. At 41% that tops the list. Loss of productivity is second at 34%. “Hiring a bad fit or someone who lacks the skills needed to perform well has the potential to leave good employees with the burden of damage control, whether it be extra work or re-doing work that wasn’t completed correctly the first time. The added pressure on top performers could put employers at risk of losing them, too,” he said.
Oh. We almost forgot. The aforementioned financial losses came in third — and a distant one at that — at 19%. n Source link: Insurance Business America
We spend more time in our offices than anywhere else. Or at least most of us do. And in the insurance biz that’s very true of most employees and employers. That makes our workspace a priority.
Most of us do put at least some personal touches on our workspace.
In some cases those personal touches just don’t happen. Or can’t in the case of larger — and often smaller — firms where cubicles and cramped working conditions rule. Drab, stuffy workspaces can dampen employee enthusiasm and keep a positive employment experience from happening.
That can — in many cases — cost companies money in productivity and in terrific employees who can’t stand the environment and go elsewhere.
So what to do? Managers. Owners. CEOs. Pay attention. Office design expert Kevin Ackerman of Portland, Oregon — via a Staples.com article — says there are things you can do — and they’re not that expensive — to spruce up those workspaces.
The Bad HireCostly but not how you think
The Workspace Critical to Job Performance
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January 2015 | Main Street Industry News |www.pianeia.com| 15
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ColorA splash of paint is critical
and this is especially true if
your company has walk in
clients. Brighten the place
up a bit. Color says you’re
fun and color is welcoming.
Let employees make their desks more personalWe all work differently. A desk
organization system that
works for one, may not work
for another. This not only
applies to color but to the
personality of the worker. Let
them show off hobbies and
interests. Or do some Zen
things like Bonsai trees.
Desks and seatingTraditional chairs and seating
and desks and tables don’t
work for everyone. Standing
desks where the employee
has the option of sitting or
standing is a nice touch. So
are beanbag chairs and other
ergonomic features.
Creative thoughtMost companies have
meetings on various topics
or brainstorming sessions.
Those spaces need creative
work, too. Or there are places
where employees gather. This
is the proverbial water cooler.
Give these spots color and
personality as well.
Ackerman also says companies benefit when clutter is cleaned up. A clean, modern workspace, he notes, will inspire collaboration and improve performance. n
Source link: staples.comPhoto Credit: Color Trends
Here are some ideas:
January 2015 | Main Street Industry News | www.pianeia.com | 16
Smartphones are the newest target of cyber thieves. Actually, for the last few years it has been a problem but the problem is now growing more serious. And when you think about it, check around anywhere people gather — restaurants, lounges, theaters, bus stops, medical facilities, shopping malls, grocery stores, and even insurance agencies and companies — and look at how many are on their phones.
A lot of them. And they’re on them a lot.
Pew Research finds 90% of us have a cell phone and 58% of us possess a smartphone. We are major league addicted to them. A lot of us — over 44% in 2012 — won’t shut them off to go to bed. We don’t want to miss anything. In 2012 a whopping 29% of us said we can’t live without them.
The LaTesT Cyber ThreaT
Today the 2012 figures are no doubt higher.
Two more important statistics. One, 81% of us use our phones for text messaging. And two, 60% of us access the Internet with them.
Here’s what you need to know. Cyber thieves knows this and that leaves you vulnerable to malware, chargeware and adware.
Malware plants viruses, worms, Trojan • horses, ransomeware and spyware onto our phones.
Chargeware corrupts your phone • and manipulates you into purchasing programs or services without really letting you know this is what you’re doing.
Adware interferes with the use of your • phone and can — if you’re not aware — collect personal data that you don’t know you’re giving.
The 2014 Mobile Threat Report says these are programs you need to watch out for:
NotCompatible: This was the top Trojan threat of last year. It puts a mobile bot on your phone that does the planter’s bidding. It can be used by a hacker to purchase items through your phone.
ScarePackage, ScareMeNot, ColdBrother: ScarePackage pretends to be an Adobe flash update and once set up pretends to be the FBI and that — as the FBI — it found illicit content on the phone. To avoid criminal prosecution the fake FBI sends a message that you have to pay to regain control of your phone and to avoid prosecution. ScareMeNot and ColdBrother are similar.
Koler: This one pretends to be a media app and snags control of your phone and you must pay a ransom to get control back.
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Sm
ar
tPH
on
eS
Experts say the best way to protect yourself from these programs — programs that rely on malware placed inside mobile applications — is to purchase mobile applications from a legitimate application store.
Applications asking for an inordinate amount of personal data should be avoided.
By the way, the mobile security firm Lookout — who is the source of most of the advice in this story — says Android phones and devices are impacted more than Apple’s iPhone and iPads. Androids and similar devices can download apps from more sources than an iPhone or iPad. And Apple does a better job of making sure products are safe via its application store than the Android sources. n
Source link: PropertyCasualty360.com
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January 14, 2015Contractors: Insuring the Property Exposures
NE/IAWebinar: 12:00PM - 3:00PM
January 15, 2015E&O and the Legal & Ethical Duties of Agents/Brokers
NEWebinar:8:00AM - 11:00AM
January 20, 2015Life Insurance Concepts for the Property & Casualty Agent
NE/IAWebinar:8:00AM - 11:00AM
January 21, 2015 Social Networking: OMG or E&O? NE/IAWebinar:12:00PM - 3:00PM
January 26, 2015 Ethics for Insurance Professionals - B NE/IAWebinar:12:00PM - 3:00PM
January 27, 2015CYBERTECH- Recognizing and Insuring Electronic Risk
NE/IAWebinar:12:00PM - 3:00PM
January 28, 2015Patches for the Imperfect Policy - Home, Work & Auto Edition
IAWebinar:12:00PM - 3:00PM
January 28, 2015 2015 Legislative Luncheon LincolnGovernor's Mansion - NE
February 5, 2015 CISR: Insuring Commercial PropertyDes Moines
Hilton Garden Inn Des Moines/Urbandale
February 9, 2015 National Health Care Reform NE/IAWebinar:12:00PM - 3:00PM
February 10, 2015 CPSR: Commercial Property YorkHolthus Convention Center
February 17, 2015CYBERTECH- Recognizing and Insuring Electronic Risk
NE/IAWebinar:8:00AM - 11:00AM
February 18, 2015BIP(idy), BOP(idy), Boo(ze): Turning 3 Mundane Coverages into Magic
NE/IAWebinar:8:00AM - 11:00AM
February 19, 2015Seven Ways to get Sued and How to Avoid Them
NEWebinar:12:00PM - 3:00PM
For information and to registerClick Here or call (402) 392-1611.
UpcomingEvents Calendar 2014-2015
piA Ne iA eveNTS
January 2015 | Main Street Industry News |www.pianeia.com| 21
February 19, 2015 CISR: Commercial Casualty 1 DavenportSaint Ambrose University
February 19, 2015 Contractors: Insuring the Liability Exposures NE/IAWebinar:8:00AM - 11:00AM
February 24, 2015 Ethics for Insurance Professionals - B NE/IAWebinar:12:00PM - 3:00PM
February 24, 2015 Business Income - How Much is Enough? NE/IAWebinar:8:00AM - 10:00AM
February 25, 2015It's Personal: Home and Auto Exposures your Insured Won't Tell You
NE/IAWebinar:12:00PM - 3:00PM
February 25-27, 2015 CIC: Commercial Property InstituteWest Des Moines
Holiday Inn Hotel & Suites
March 5, 2015 CISR: Commercial Casualty 2Cedar Rapids
Kirkwood Continuing Education Training Center
March 11, 2015 CPIA 1: Position for SuccessDes Moines
Hilton Garden Inn Des Moines/Urbandale
March 12, 2015 CISR: Dynamics of ServiceDes Moines
Hilton Garden Inn Des Moines/Urbandale
March 25-27, 2015 CIC: Personal Lines Institute OmahaHilton Garden Inn- Omaha
April 8, 2015 CPIA 1: Position for Success OmahaHilton Garden Inn- Omaha
April 14, 2015 CISR: Personal Lines MiscellaneousCedar Rapids
Kirkwood Continuing Education Training Center
April 15-17, 2015 CIC: Personal Lines InstituteCedar Rapids
Cedar Rapids Marriott
April 22, 2015 CISR: Commercial Casualty 1West Des Moines
LaMair - Mulock - Condon Insurance (LMC)
May 6-8, 2015 CIC: Commercial Casualty Institute Lincoln Marriott Courtyard
May 12, 2015 CPSR: Personal Auto Kearney Holiday Inn Express
May 14, 2015 CISR: Insuring Personal Auto Exposures DavenportSaint Ambrose University
May 20, 2015 CISR: Commercial Casualty 2West Des Moines
LaMair - Mulock - Condon Insurance (LMC)
May 28, 2015 CISR: Agency OperationsCedar Rapids
Kirkwood Continuing Education Training Center
piA Ne iA eveNTS
January 2015 | Main Street Industry News | www.pianeia.com | 22
piA Ne iA eveNTS
June 9, 2015CISR: William T. Hold: Advanced Learning Seminar
Des Moines
Hilton Garden Inn Des Moines/Urbandale
June 10-12, 2015 CIC: Commercial Casualty InstituteWest Des Moines
Holiday Inn Hotel & Suites
June 18, 2015 CISR: Insuring Personal Residential PropertyCedar Rapids
Kirkwood Continuing Education Training Center
July 9, 2015 CISR: Insuring Commercial Property DavenportSaint Ambrose University
July 15-17, 2015 CIC: Life & Health Institute OmahaHilton Garden Inn- Omaha
July 21, 2015 CPIA 2: Implement for Success OmahaHilton Garden Inn- Omaha
July 22, 2015 CPIA 2: Implement for SuccessDes Moines
Hilton Garden Inn Des Moines/Urbandale
July 23, 2015 CISR: Insuring Personal Auto ExposuresWest Des Moines
LaMair - Mulock - Condon Insurance (LMC)
August 4, 2015 CPSR: Systems, Operations & Procedures Columbus Dusters
August 6, 2015CISR: William T. Hold: Advanced Learning Seminar
Cedar Rapids
Kirkwood Continuing Education Training Center
August 11-12, 2015 Ruble: Graduate Seminar (NE) La VistaEmbassy Suites Omaha - La Vista
August 19, 2015 CISR: Agency OperationsDes Moines
Hilton Garden Inn Des Moines/Urbandale
August 26-28, 2015 CIC: Life & Health InstituteCedar Rapids
Cedar Rapids Marriott
September 2, 2015 CISR: Insuring Personal Residential Property DavenportSaint Ambrose University
September 17, 2015 CISR: Agency OperationsWest Des Moines
LaMair - Mulock - Condon Insurance (LMC)
September 22, 2015 CPIA 3: Sustain Success Lincoln Marriott Courtyard
September 23-25, 2015 CIC: Agency Management Institute Lincoln Marriott Courtyard
October 7, 2015 CISR: Insuring Commercial PropertyCedar Rapids
Kirkwood Continuing Education Training Center
October 13, 2015 CPIA 3: Sustain SuccessDes Moines
Hilton Garden Inn Des Moines/Urbandale
January 2015 | Main Street Industry News |www.pianeia.com| 23
piA Ne iA eveNTS
October 14-16, 2015 CIC: Agency Management InstituteWest Des Moines
Holiday Inn Hotel & Suites
October 15, 2015 CISR: Personal Lines MiscellaneousDes Moines
Hilton Garden Inn Des Moines/Urbandale
October 20, 2015 CPSR: Residential Property PierceTown & Country Insurance
November 5, 2015 CISR: Agency Operations DavenportSaint Ambrose University
November 11-13, 2015 CIC: Commercial Property Institute La VistaEmbassy Suites Omaha - La Vista
November 16-17, 2015 Ruble: Graduate Seminar (IA)West Des Moines
Holiday Inn Hotel & Suites
November 18, 2015 CISR: Insuring Personal Residential PropertyDes Moines
Hilton Garden Inn Des Moines/Urbandale
November 18, 2015 CISR: Insuring Personal Residential PropertyDes Moines
Hilton Garden Inn Des Moines/Urbandale
402.392.1611www.PIANEIA.com
Accidents can occur anytime, anywhere. With the PIA Trust Accidental Death & Dismemberment Insurance Plan, you and your qualifi ed dependents can be covered in case of an accident 24 hours a day, anywhere in the world -- at home, at work, or on vacation.
You Can’t Always Prevent An Accident...But You Can Prepare For One With The PIA Trust
Accidental Death andDismemberment Insurance Plan
As a PIA Member* serving
Main Street America, you
and your employees** have
access to a high-quality,
competitively priced AD&D
plan through the PIA Services
Group Insurance Fund.
AD&D COVERAGE DESIGNEDWITH LOCAL AGENTS IN MIND
PIA SERVICES GROUPINSURANCE FUND * PIA National membership, when required, must be current at all times
** No minimum participation required
The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may aff ect any benefi ts payable.Underwritten by Unimerica Insurance Company, Association Administrative Address, P.O. Box 17828, Portland, ME 04112-8828, under Policy Form ADD-6001-A (UIC).
Insurance Program Administered by Lockton Risk Services.
For more information about the PIA Trust Accidental Death & Dismemberment Insurance Plan, please
contact your local PIA Affi liate or call the Plan Administrator at (800) 336-4759.
Additional information is also availableon-line at www.piatrust.com.
