PIA Newsletter March 2014 - piavadc.com Insider...NOVA, 3 yrs exp, Applied exp’d, contact [email protected]; CL producer needed Richmond min 5yr exp, (804)

Professional Insurance Agents Association of Virginia & the District of Columbia, Inc. 8751 Park Central Drive, Suite 140

Richmond Virginia, 23227 Web: www.piavadc.com - E-mail: [email protected]

March 31, 2014 Volume 78, No. 3

Cole Tucker honored as 2014 PIA National Agent of the Year Cole Tucker, CIC, CRM, LUTCF, of Mechanicsville, VA, has been named the 2014 Professional Agent of the Year by the National Asso-ciation of Professional Insurance Agents (PIA). Tucker, president and owner of Tucker-Franklin Insurance Group, Inc., was PIAVA/DC 2010 Outstanding Young Professional of the Year; PIA Insurance Services President in 2010, and 2007 PIAVA/DC Outstanding Committee Chair of the Year for Budget and Finance. “This year’s honoree is an outstanding PIA agency owner, a pillar of his community, a firm believer in continuing education and a stal-wart supporter of PIA,” said PIA National President John G. Lee, (1997 PIAVA/DC President) who presented the award. Cole started his agency as a ‘scratch’ agency in 1998 and has grown it to one that boasts $3M in premium volume. He served as President of PIA of Virginia & DC in 2009-2010; and in 2013, he was named statewide Agent of the Year.” Tucker was honored for his tireless efforts on behalf of the insurance industry, the independent agency system and his PIA colleagues, along with his commitment to education, involve-ment in community affairs and overall success. “One of the first things I did when I opened my agency with my friend Gerald Hemphill was to join PIA, but it was not my decision,” said Tucker. “My grandmother – who is with me here today – gave me the dues to join PIA. Her agency wrote the insurance for PIAVA/DC, and when she gave me the dues check, she said ‘You go talk to Elsie (Reamy, the late PIAVA/DC executive vice president]; she’ll tell you what to do. I did, and I’ve been here ever since.” Tucker joins Victoria V. Lewis, CIC, of Stafford, VA, the 1997 recipient of this award. The PIA National Professional Agent of the Year award was presented during a gala luncheon ceremony on March 28, 2014, in Arlington, VA, held during the national PIA meetings, which followed the annual PIA Federal Legislative Summit.

All your biennial P&C CE requirements for Virginia - 16 hours - available over two days for just $199/member. PIAVA/DC has created a new Education ExPO patterned after the original SWVA Education ExPO with agent focus on CE; low cost and time-saving format. This new PIA ExPO is conveniently located in Manassas for Northern Virginia agents and concentrates on CE topics that NOVA agents specifically requested that PIAVA/DC provide. Register online now at www.piavadc.com. Mark your calendars for September 9 & 10, 2014, at Manassas for the PIAVA/DC NOVA Education ExPO. PIA member-agents can get 16 hours of P&C credit locally, including the required 3-hour Virginia Laws & Regulations (Ethics) class and a 3-hour E&O (3 OGI) Loss Control seminar (with specific focus on digital media risk), in two days - for only $199/member; non-member: $320. Alternatively, five hours of L&H CE is also available in concurrent sessions. Call 804-264-2582 for details. Topics include: Cyber Liability; EPLI & D&O: Executive Protection; Gov’t contractor/Intn’l Risks; Insuring high net worth individuals, plus L&H topics: Obamacare update and Financial instruments for Funding Agency Succession.

PIA’s new NOVA Education ExPO is Sept 9-10, 2014, Manassas

Johnny Lee with Cole Tucker, right

PIAVA/DC MEMBER BENEFITS NEWS - March 31, 2014 Page 2

PIAVA/DC offers its entire three-day CPIA series of sales and marketing classes to Southwest Virginia in May. Certi-fied Professional Insurance Agent (CPIA) classes are scheduled May 20, 21 & 22, 2014, Buchanan Hall, Room 130, Cedar Bluff Campus, Southwest Virginia Community College. Register for all three or pick and choose the classes you wish. There are no tests and you must complete each of the three CPIA classes to earn the designation.

Set yourself apart with a CPIA professional insurance sales designation. Are you looking to jump-start your career or take it to the next level? Consider the CPIA professional designation. Insurance Success Seminars in real-world sales and marketing lead to the designation that helps you prepare for, implement and sustain a successful insurance career. They're CE-qualified (7 hours of OGI per class), and come with a money-back guarantee. The 3-day CPIA series is offered by PIAVA/DC in partnership with the Center for Community, Workforce & Economic Solutions at Southwest Virginia Commu-nity College. Registration: $175/PIA member; $215/non-member per class includes materials, breaks and CE Certificates. Become a Certified Professional Insurance Agent (CPIA). Classes be-gin at 8:30am - 4:30pm; sign-in starts at 8am. Approved for 7 OGI credits in Virginia. Meals & overnight accommoda-tions are not included. These classes do not provide CEUs or college credit. Register online at www.piavadc.com. Click here for content on each of PIA’s three one-day CPIA seminars. Questions? Call PIAVA/DC at 804-264-2682.

One time only - CPIA 1, 2, 3, on May 20, 21, 22 at Cedar Bluff, VA

CIC L&H April 30-May 3 nearly sold out - Ashburn Embassy Suites PIAVA/DC hosts a CIC Life & Health (LH) Institute on April 30 - May 3, 2014, Embassy Suites, 44610 Waxpool Road, Ashburn, VA 20147 703-723-5300; Single $119 Cutoff 04/01/2014; Double $119 Cutoff 04/01/2014. Hotel is located 5 miles from Washington Dulles International Airport. 9:00 AM on-site registration. Register online at www.piavadc.com There are countless opportunities for property and casualty professionals to develop life and health business. This institute will provide the essential background and knowledge for your personal understanding of these important prod-ucts. It should also instill confidence in you to provide some counseling and guidance to your clients and succeed in this market. National Faculty instructors are John Bennett, Darrin Rankin, Cole Tucker and John Earl. Topics covered: Life Insurance Concepts; Health Insurance Concepts; Disability Income and Long-Term Care Insurance; Life and Disability Income Insurance products in a Business Situation; Planning for Personal Insurance Needs, and Annui-ties in Retirement Planning. This L&H Institute provides 20 Virginia L&H CE credits. Participants will learn the basic characteristics, provisions, and riders found in most life, health, and retirement plan-ning type contracts. Understand the application of these financial products to specific personal and business needs. Learn practical information on how to determine proper coverage for a client and the best product design to fit a specific situation. Seats are filling fast; register now while space is still available. Call PIA at 804-264-2582 for details.

Tell your colleagues about PIAVA/DC and what it has meant for your insurance career. Was it the unsurpassed pro-fessional development; great E&O markets; professional networking opportunities; problem-solving and experience sharing; legislative and regulatory advocacy to help keep you agency in business and lower your operating costs? Did you just need some help getting your agency started and PIA folks were friendly and willing to help you. Did you find yourself desperately in a book roll and found a new carrier at the PIA Trade Fair to rescue your agency? Tell us your story and give us your testimony at [email protected]. Agents need your help today, so share your story.

Why did you become a PIA member? Share your story...


Need to hire? Need a job? Job seekers, employers are here

PIAVA/DC dates to remember... 2014 PIAVA/DC Convention - June 22-24, Sheraton Virginia Beach Oceanfront; 2014 PIA NOVA Education ExPO, Sept 9-10, Manassas; 2015 PIAVA/DC Convention - June 28 -July 1, Sheraton Virginia Beach Ocean-front; 2016 PIA SWVA Education ExPO - March; 2016 PIAVA/DC Con-vention - June 26-28, Williamsburg Lodge; 2017 PIAVA/DC Convention - June 25-27, Sheraton Virginia Beach Oceanfront; 2018 PIAVA/DC Conven-tion - June 24 - 26, Skelton Center at Virginia Tech, Blacksburg, VA.

Got an agency to sell? 1) Agent buying agencies in Southwest VA as far East as Bedford. Con-tact 540-493-3913. 2) Buying agencies; Contact Wm. Boseman. Call 252-537-8338 or 252-532-1931 cell, e-mail [email protected]. 3) Buying agencies for cash. Rob Wagner, Brown & Brown - 804-627-1002, 804/433-6379.

Every agency wants to save money. When you meet any one of the criteria listed below, a 5% credit is applied to your premium – up to a maximum of 10% credit. There is no minimum premium threshold for an account to be eligible for the credit, which will be applied after the application of any schedule rating modifiers. The criteria must be met every year for the credit to be continued. The criteria are: 1) Enactment of an annual exposure analysis program. 2) At least 60% of agency staff achieve recognized designations: CIC, CISR, CPIA, CPSR, ACSR, CPCU. 3) Attendance at an approved E&O seminar within the last 15 months or within the first 30 days after inception date… including CIC Agency Management; CISR Agency Operations; Dynamics of Service, PIA Insurance Services E&O Loss Prevention Seminar or one CPIA class. 4) All required* staff attend a PIAVA/DC-conducted in-house E&O/Loss Prevention Seminar including all internal CSR employees as well as the principle or office manager of the agency.

Qualification by agency size 1-3 staff size 1 principle/office manager or CSR 4-10 staff size 1 principle/office manager and 1 CSR 11-20 staff size 1 principle/office manager and 2 CSR 21+ 20% of staff Call PIA Insurance Services, 804-264-2582 or e-mail [email protected]

P&C/Life agent needed in Richm’d; send cover letter, resume, salary req. to [email protected]; PL CSR for Christiansburg agency. Send resume to [email protected] by Dec 20; Mrktg Analyst needed Midlothian, cover letter, salary, resume to Cari Fessler at [email protected]; CL CSR needed Richmond, min 3 yr agcy exp; Applied, also Richm’d Producer needed PL&CL, all lines, motivated, reply in confidence to owner: 804-240-1189; CL CSR needed F’Burg, licensed, email to [email protected] or fax to 540-371-6766. CSR Asst, part-time in Richmond, resume to PO Box 9640, Richmond, VA 23228; CL Acct Mgr needed in Richmond, P&C li-censed or licensed in 3 mos; min 2 yrs ins exp; send resume to [email protected] Undrwrtg Mgr needed at NNIns, send resume to [email protected];Peninsula agy needs CL CSR; call 757-725-7664; P&C CSR needed, Chesapeake, call Keith @ 420-0006; P&C Licensed CSR/Producers sought by agencies in: Appomattox, Stafford, Danville, Roanoke. Ltd exp Ok; training provided. Contact Don Meincke (800) 468-1127, Ext 158; PL CSR needed, NOVA, 3 yrs exp, Applied exp’d, contact [email protected]; CL producer needed Richmond min 5yr exp, (804) 675-4300 x202 or email: [email protected]; NOVA CSR seeks work: 703-304-1987, CL CSR seeks job, 18 yr exp. NOVA: 703-860-4212; CSR needed Hampton, (757) 722-2889; CL producer needed -Richmond re-ply at [email protected] or PO Box 4332, Glen Allen, VA 23958-4332; P&C producer wanted Metlife FinSer, Richmond, 804-582-5880; CL CSR seeks job, 26 yrs exp, Richmond: 804-615-1502; CL CSR needed in DC agency. Contact Ken at (202) 638-2498; Leesburg CSR, TAM exp’d, send resume to [email protected];

Affordable, Insightful & Timely AGENCY EVALUATIONS &

APPRAISALS are just a phone call away: call 757-486-9610. E-mail [email protected] Target Marketing Management

Consulting Inc. Proudly participating in

PIAVA/DC Agency Assist™

.

At the end of each year, agency ownership/management does the typical “crunching of the numbers” to assess how the agency fared. An overall review will include an evaluation of premium and policy count changes, an assessment of how well various objectives/metrics were met and a careful dissection of the agency’s financial picture. Looking at these issues, as well as producers’ hit ratios and by-customer policy numbers, reveals your status from the business side of the equation. Yet how well do they determine the agency’s “E&O health?” To a significant degree they don’t, creating a need to perform a review that probably does not get as much attention as it should. Namely, "auditing" many of the key agency procedures to verify to what degree each of the staff is meeting the various agency ex-pectations. Most important If your agency has not been performing a staff audit, now is a good time to start, focusing on those procedures/expectations that are most important. This includes documentation – is it being done promptly, accurately and profession-ally? – the handling of e-mails, policy checking, and more. Employees not meeting the agency’s expectations increase the potential for an E&O issue to arise, so it is best to dis-cover the issue and resolve it before it grows. Moreover, the possibility that agency expectations are not being met could result from employees not completely understanding those expectations, which suggests a need for further training. When it comes to producers, how comfortable do you feel with the way they perform their duties? When was the last time the agency owner/sales manager “rode along” with a producer to see how the call is handled, hear what is said and note how those discussions are documented? Throughout the year Ideally, an audit process – essentially a review of a set number of files per-person based on his or her position – works best when the review is broken down and performed at periodic times during the year. Most agencies should perform this review quarterly. It is more efficient that way, and allows for a "quicker" identification of problems or issues that must be addressed via training or individual/group consultation. While performing periodic quality control audits helps management understand what’s happening within the agency, it will also demonstrate that the staff is being held accountable for their work product and the performance of agency procedures. While the mention of an audit process might get some folks nervous, the staff must realize that audit-ing is performed in virtually every business and helps ensure the organization’s health. Trust, but verify If you don’t have an audit form today, don’t worry about getting the process perfect right from the beginning. As you perform quality-control audits, you will be able to identify areas that must be added – or deleted – from the audit form. How many files should be reviewed? Many agencies strive for a 10% sampling, although the proper number will depend greatly on the amount of work performed. The goal is to review the number of files that provides credibility to the final score. If, for example, you are reviewing files for all customer service representatives, make sure it really does include all customer service representatives. While you may want to trust that your 30-year veteran is doing his or her job, it’s still best to “trust, but verify.” Because your agency probably consists of numerous disciplines – marketing, customer service, sales, accounting, etc. – ensure that each of these is reviewed. Each area has procedures that, if disregarded or not performed properly, could cause problems for the agency. Now is also a good time to review the agency’s website and promotional material to deter-mine to what degree they continue to accurately portray the agency. Are you using any of the “dangerous words” such as “expert” or “specialist?” If so, you might want to change them. Make it complete Results should be tabulated and reviewed for each of the areas within the agency and for each employee. Advise staff members who performed well on the review and thank them for their efforts and commitment. For those that struggled or did not “pass” the review, meet with them individually to better understand the reasons. Is there a need for additional training or another reason, such as the employee thinks his or her way is the better way? Consider factoring the audit re-sults into an employee performance review to add some “teeth” to the process. Bottom line, it is difficult to grow in professionalism and efficiency without an auditing process. Your year-end agency re-view is not really complete without a review of the year-end audit results.


E & O: Does your year-end review include an agency audit? by Curtis M. Pearsall, CPCU, AIAF, CPIA, President, Pearsall Associates Inc., Special Consultant to the Utica National E&O Insurance Program - Blog: agentseotips.com


You can tell its an election year. PIAVA/DC’s delega-tion to the 2014 PIA National Federal Legislative Summit in DC was welcomed by federal legislators across Capitol Hill on March 27. Shown at left meeting in the Capitol Building with Senator Mark Warner (D-VA) are, from left: PIA National Director for Virginia Gerald F. Hemphill, CIC, LUTCF, of Richmond; PIA National 2014 Agent of the Year S. Cole Tucker, CIC, CRM, LUTCF, of Mechanicsville; Sen. War-ner, and PIA National President Johnny G. Lee, CIC, CPIA, LUTCF, of Fredericksburg. All three of these PIAVA/DC leaders are Past Presi-dent of your agents association: 2010, 2009 and 1997 respectively.

Be forewarned... The 2013-2014 Virginia CE biennium ends December 31, 2014. Virginia’s insurance continuing education laws have changed. The former biennial requirement for a two-hour Laws & Regulations class has changed to a three-hour re-quirement for Ethics content. Although the Virginia Laws & Regulations topic is accepted for the Ethics credit, it must be an approved three-hour class; not just two hours. A combination of Laws and Ethics credits is allowed if they equal 3 hours total. The most significant change for the 2013-2014 biennium concerns insurance license revocation. There is no longer a seven-month “grace period” at the end of this biennium. If you fail to have all your CE completed; fail to register online to claim your CE credits and pay your biennial $15 fee by November 30, 2014, you may receive a com-munication from the BOI advising you that your license may be terminated January 1, 2015. So don’t put off getting in compliance with all your Virginia CE requirements. In January 2015, there won’t be any excuses good enough for you to keep your license if you don’t have your CE or have not paid your paid you continuance fee. Check www.VirginiaInsuranceCE.com now to see if you are compliant. Get your Virginia CE completed now. Questions? Go to www.piavadc.com for help and hot links to check your CE totals.

Utica Agents’ E&O Policy Holder Discount

The following PIAVA/DC educational classes are approved for Utica’s premium discount at your next E&O renewal. Contact Debbie Batkins at PIA Insurance Services for details - call 804-264-2582 or [email protected]. Any CIC Update • CIC Agency Management • CISR Agency Operations • Dynamics of Service • CPIA seminars • PIAIS E&O Seminars. Any of these classes are eligible to meet the Utica requirement which is spelled out on page 3 of this newsletter. A combination of classes for the appropriate number of your agents plus other compliance can equal a 10% premium discount.

PIA hosts Executive Risk Seminar in May at Sheraton Virginia Beach PIAVA/DC hosts a National Alliance Executive Risk Seminar, May 29-30, 2014, at Sheraton Virginia Beach Oceanfront Hotel, 3501 Atlantic Avenue, Virginia Beach, VA 23451, 800-325-3535, Single $139 Cutoff 04/28/2014; Double $139 Cut-off 04/28/2014; Hotel provides complimentary parking and internet access. 7:30 AM Registration; Registration: When mak-ing your hotel reservation, refer to The National Alliance to get our group rate. National Faculty instructors are Richard Clark, Jerry Hargrove, and Allen Messer. Register Online $420 at https://www.scic.com/courses/ruble/executive_risk/20140530VARER This Executive Risk Seminar devotes two days to the exposures, insurance coverages and risk management techniques for handling the specific risks faced by top executives for their organizations. Topics: Executive risk exposures; D&O cov-erages and endorsements; Fiduciary and employee benefits liability; Employment practices, and Operational manage-ment risks. If your book of business includes these special risk executives from government or private corporations, you need to know how to adequately protect these high net worth individuals and their property. Register today.

PIA leaders meet with Congress


Virginia Regulatory Hot Tip 2014 – 2

Professional Insurance Agents Association of Virginia and DC, Inc.

What to expect, when you’re expecting…….to go to the Virginia General Assembly Many of us find the political process either distasteful or fascinating. Usually, there is very little room for any other feeling between the two extremes. But love it or hate it, there may come a time when you find that a bill being intro-duced in the General Assembly may have an impact on your business, your financial health or personal life. If you have the curiosity or need to stand up and be heard, then by all means, speak up. As a citizen of the Commonwealth of Vir-ginia, it is your right to voice your opinion regarding pending legislation. There are many ways in which citizens can com-municate with their legislator; phone calls, letters, email, or through visits to their legislative offices. The purpose of this article is to help you navigate the landscape and understand the language of politics. The Virginia General Assembly dates from the establishment of the House of Burgesses at Jamestown in 1619. It is heralded by Virginians as the "oldest continuous law-making body in the New World." It was then and is now a legislative body comprised of “citizen legislators,” elected representatives that serve in a part-time capacity meeting full-time re-sponsibilities.¹ Before you make the trip to the State Capital, you should familiarize yourself with the facilities and especially the parking. When the General Assembly is in session, parking can be difficult to locate. The best place to begin is the Vir-ginia General Assembly website. www.virginiageneralassembly.gov Under the tab, Virginia State Capital/Visiting the State Capital, there is a wealth of easy-to-navigate topics including: Directions and Parking; Maps; Tours & Guidelines; Café and Shop; Visiting During Session, and Meeting & Events. For the fans of social media, there is a Facebook page for the Virginia General Assembly with links for both the Virginia Senate and the Virginia House of Delegates. Let’s start by assuming that you know or have heard about a bill that may have an effect on you. First, you should gather as much information about the proposed legislation as possible. The best place to start is the Virginia Legislative Information System, website: https://lis.virginia.gov If you know the bill number, you can go directly to the proposed legislation. If not, check the searchable database on the left of the screen where you can enter keywords to find related bills. For example, you could enter a keyword of “insurance” or a specific code section for insurance, “38.2” to find all the proposed legislation. Find a bill you are interested in following and click on: Bills & Resolutions: Status of individual bills and related infor-mation. Enter the bill number into the search. From this point you can see the history of the legislation. This search will show the patron(s) of the legislation, a small summary of the bill, a link to the full text document of the bill, any amend-ments and the status of the bill. The status is where you can find what committee or sub-committee the bill has been assigned/reassigned and any voting (Yeas/Nays), to move the bill forward or stop it. When a bill comes up for discussion in committee, this is one of the best places you can go to speak for or against proposed legislation. There is a language to the political process that can often be found rooted back to Parliamentary Procedures as well as outlined in Robert’s Rules of Order. In general, the following committee actions are the most common terms that you will hear: Carry Over (Continue): Action which removes the measure from consideration during an even-numbered year Session and provides for its reconsideration at the next regular Session of the General Assembly. No bill may be carried over in an odd-numbered year Session. A carry-over bill retains its assigned bill number in the odd-numbered year Ses-sion. Fail to Report (Defeat): The committee rejects a motion to report a bill to the full house. Incorporate: The committee incorporates one or more bills into another bill. No Action Taken: No motion is made on the bill and it dies at the time of the committee deadline. Pass By Indefinitely (PBI): This action (Continued on Page 8) ¹ For more on the history of the General Assembly, click on the following link: http://virginiageneralassembly.gov/virginiaLegislature.php?secid=20&activesec=2#!hb=1&mainContentTabs=4&content=4,includes/contentTemplate.php%3Ftid%3D52%26ctype%3Db%26cid%3D31


(Continued from page 7) allows the committee to reconsider legislation at a later meeting. If the committee takes no further action, the bill is dead. Report: The majority of the committee approves the bill and it is reported to the floor. The bill may be reported three ways: without amendment(s), with amendment(s), or with an amendment in the nature of a substitute. A bill may also be reported and referred to another committee. Strike: The bill is removed from the docket. This action frequently occurs at the request of the patron.² Another common action on legislation you will hear in committee or on the floor of the General Assembly is to “Lay on the Table”. Various euphemisms may be added to the phrase, “Lay on the Table”, such as “Gently” or “Softly” but the meaning is still the same. The motion to lay on the table refers to temporarily setting aside a pending motion (or a series of pending motions) to take care of something else deemed urgent. The motion to lay on the table is less about the busi-ness being discussed than about the assembly needing to handle something else immediately. One such motion may be: "Madam President, because our speaker has arrived, I move to lay the pending motion on the table." And although the motion is just a temporary disposition of the pending business, no time is taken to decide in advance when to get back to the motion being laid on the table. The subsidiary motion to lay on the table: Can't interrupt a speaker who has the floor. Must be seconded. Isn't debatable. Isn't amendable. Requires a majority vote. Can't be reconsidered if adopted because the motion to take from the table is easier to use for that purpose. Reconsideration is permitted if lay on the table fails, as long as no material debate has progressed on the motion or motions to which it was applied. If additional debate has oc-curred, a reconsideration vote is unnecessary. The motion to lay on the table just needs to be renewed.³ Even though the preceding guidelines suggest this is a temporary measure, it has been my observation that the motion to “lay on the table” is used to bypass a bill indefinitely especially if the bill has political implications. In theory, once a bill has been laid on the table, it can easily be removed from the table for discussion and voting. Now, you have found and researched legislation that you would like to speak to in committee. The status of the bill will show which committee or sub-committee will be hearing public comment. The legislative information system will show when the committees will meet and a list of bills to be considered each day. Most of the committee meetings as well as offices for the members are in the General Assembly building (GAB) located at 1000 Bank Street Richmond, VA 23219. The entrance to the facility employs the same scrutiny as an airport with guards and metal detectors. Be sure to turn off any audible electronic devices before entering either a committee meeting or House/Senate floor (located in the Capital). Business attire is suggested for attendance. Check with any groups that may be representing the same position as you advocate. Groups such as the Retail Mer-chants, AARP, industry trade groups, philanthropic organizations etc. often take a position on legislation. By bringing your personal story forward with general industry support (or opposition) could mean the difference in a bill making it out of committee or not. Just as a side note… a trip to the General Assembly to see government in action, is an amazing, educational and inter-esting trip for the family as well.

The author of this Regulatory Hot Tip endeavors to provide accurate and authoritative information about the subject matter covered as of the date of publication. However, the substantive information and any statutory authority contained in this Hot Tip should be verified as they are subject to change with the passage of time. The author provides this Hot Tip with the understanding that she is not ren-dering legal, accounting, or other professional advice or counsel. If legal advice or other expert assis-tance is required, the services of a competent professional should be sought. This publication is au-thored by JoAnne L. Nolte, JD, CIC, CPCU, FLMI, CLU, who practices at The Nolte Law Firm, P.C., 1427 W. Main Street, Richmond, VA 23220. NolteLaw offers Solutions for Business—Large and Small; just call (804) 658-4518. NolteLaw’s practice focuses on general business matters (such as business formation, acquisitions, dissolutions and employment questions) and administrative law issues (such as rulemak-ing and compliance) affecting regulated entities. Our diverse client base includes restaurants, health-care providers, contractors, fiber-optic and conduit installers, business entrepreneurs, telecommunica-tions companies, insurance entities, financial institutions, mortgage loan originators, water & sewer providers, and insurance receiverships. Jo has served as attorney for the Virginia State Corporation Commission and as in-house counsel to a privately owned national corporation. She also owned and operated an insurance surplus lines brokerage agency and an insurance consulting business.

² http://virginiageneralassembly.gov/includes/contentTemplate.php?tid=52&ctype=b&cid=91 ³ http://www.dummies.com/how-to/content/roberts-rules-and-the-motion-to-lay-on-the-table.html

For four years, PIA carrier-members have generously arranged to pay for PIAVA/DC members to attend PIA continuing education and training classes thanks to PIA’s members-only service, called the Carrier Education Assistance Program. Scholarships and other tuition assistance is graciously provided through PIA’s insurance carrier partners on the Company Ex-ecutive Advisory Council (CEAC). Participating carriers include GMAC Insurance, Grange Mutual, Rockingham Group, South-ern Insurance of Virginia and Progressive Insurance. If any of your carriers are not on this list, ask your carrier rep about it. All carrier members are welcome and PIA can provide the simple details for participation. The PIAVA/DC Carrier Education Assistance Program, created jointly with PIA’s CEAC, provides PIA member-agents with education assistance funding to pay tuition, lodging, travel-related expenses, registration fees, etc. for PIA’s exclusive CIC, CISR, and CPIA designation programs; the PIA Annual Convention, and PIA’s SWVA Education ExPO. Only PIA company members, and only PIA member-agencies, in good standing, may participate. The new education funding assistance program for agencies is another example of a value-added benefit to PIAVA/DC members of the CEAC partnership. Contact [email protected] for more details and to sign up your company or call PIA at 804-264-2582. If any of your carriers are not participating in this PIA program, ask them why they aren’t involved. We’ll be happy to show them how easy it is to participate in the Carrier Education Assistance program.


Learn successful agency exit strategies, free - May 14, Richmond

Free CE tuition for PIA members with Carrier scholarships

Take note - there are two exhibit areas for PIA Convention, June 22-24, 2014, at Sheraton Virginia Beach Ocean-front. Both exhibit areas are across from each other in the Sheraton Ballroom area; one smaller area overlooks the beach and one larger area does not. This is a big change to your PIAVA/DC Trade Fair set-up for 2014. PIA has more than 20 trade show spaces overlooking the beach (see photo below) out of a total of 70 exhibit spaces. Located in the Ocean Grand Ballroom Foyer, these limited beach overlook spaces will be table top spaces only and will be available first come, first served. Sheraton is taking room reservations now: Oceanfront - $219; Partial Oceanview - $189. For PIA’s discount rate, agents must mention PIAVADC when making their reservation. Call the hotel directly at 757-425-9000 or Sheraton Central Reservation - 800-325-3535 to reserve. Individuals may also reserve a room online at http://tinyurl.com/lbw6ja5. Mark your calendars now for June 22-24, 2014, and plan to relax with friends at PIA’s Convention at Shera-ton Oceanfront Virginia Beach. For details, call Carol at PIA 804-264-2582. Online Convention registration available soon. Table top spaces in the Ocean Grand Foyer are limited to the first 22 companies that reserve them. We recommend you reserve your spaces early. Remember, summer in Virginia Beach means when the PIA room block sells out, there are no more rooms. Room block cut-off is May 16. We expect the hotel to sell out of our room block, so reserve early. The hotel has been taking PIA reservations for two months. Check out www.sheratonvirginiabeach.com. PIA Trade Fair exhibits usually sell out by end of Febru-ary, so do not wait to make your reservation.

Don’t forget PIA Trade Fair changes at Sheraton - Virginia Beach

On May 14 in Richmond, PIA Insurance Services offers PIAVA/DC members a free opportunity to learn how to use Busi-ness and Succession Planning Tools to perpetuate their agencies, and pickup one Life and Health CE credit in the process along with a free lunch. Join us 9am to Noon on May 14 at PIA in Richmond, for a 3-hour workshop presented by our part-ners Highland Capital Brokerage and Transamerica Employee Benefits. Our agenda includes insights into Business Valuation and preparing your Agency for Succession; provides 1 hour of L&H CE on Business Planning with Disability Insurance, and introduces agency owners to voluntary and supplemental benefits that you can use to get more out of your current book of business. Lunch and a Q&A session is provided by Transamerica Employee Benefits when this workshop concludes. To register for this free PIAIS workshop, e-mail [email protected]. When discussing agency succession plan-ning, the conversation circles around retirement or death with Life Insurance and other products. But, what happens with your plans if you become disabled and cannot continue at work or return to work to keep the Agency running smoothly? Learn how Business Overhead Expense Insurance helps pay your bills; how Disability Buy-Out Insurance can offer a way for the owner(s) to still execute their plan should a disability occur prior to retirement or death, and how Key Person Replace-ment Insurance and Business Loan Protection Riders can assist in continuing your business should a key employee become disabled or, even with disability, any loans can continue to be paid with insurance. Don’t miss this free workshop May 14.

Business questions? PIA members get free consulting advice Got a problem and need real professional help? As a PIAVA/DC member, free help is yours as a member benefit. That’s right, nearly $1,500 worth of professional consulting time is yours each year. Maybe you need tax advice or have a regula-tory issue with the BOI? What about an appraisal for a book of business or a tough employee contract problem? Free help for PIA members is a simple call away...call PIAVA/DC at 804-264-2582. These services are provided to you exclusively as a PIA member through PIAVA/DC Agency Assist ™ , a suite of PIA consultative resources designed to help PIA member-agents solve everyday agency and personal problems, preparing to buy, sell, perpetuate, merge, appraise and/or transfer ownership of an agency business, with the help of a cadre of experienced professionals in a variety of business pursuits. PIA’s team of experts provides advice and you’re not obligated to buy anything. PIAVA/DC Agency Assist ™ offers PIA members a one-hour free consultation per year with an experienced local at-torney and with other experienced professional practitioners. In addition to legal direction, PIAVA/DC offers additional free one hour/year consults from any of our professional services providers, including CPA and tax consultation; agency per-petuation, agency management and workflow analysis; producer compensation and productivity analysis; relationship bro-kerage between agency purchasers and sellers; financing resources for agency purchases; agency human relations consult-ing; business planning; and agency valuation services. PIA’s team of practitioners includes Attorneys Jo Nolte, Martha McQuade, Marni Byrum, Daniel Caldwell, Julie Cillo and Consultants Victoria V. Lewis, Al Diamond, Edward Curry, Jon Per-sky, Becky Lathrop, Brandi Hinen of PurePRM and Sheri Winesett from ActionCOACH. All are true experts in their fields, and they are a phone call away at 804-264-2582. For legal challenges, PIA’s panel of veteran local attorneys is available by phone, e-mail or in person to evaluate agent issues (business or personal) and to give direction on corporate law, elder care, domestic, regulatory, insurance coverage, employment and litigation. Your one-hour per year local attorney consultation is a $250+ value - yours free as another value-added benefit of PIAVA/DC membership. In addition, PIA’s seven professional business consultants – valued at $200/hour – can provide you with up to another free $1,400 of consulting help over 12 months - for PIA members only. For help, call PIAVA/DC at 804-264-2682 or e-mail [email protected] for information on these useful business and insurance consult-ing services available to PIA members only.

Need help? Call PIAVA/DC first - personal service is always free What do you get for your PIA dues? Aside from 50% discount on 1st year and 25% discount on 2nd year dues for start-up agencies, PIA provides members a lot for their dues investment. Here’s some of what you get today: • The best professional designation programs (CIC, CISR, CPIA) in the nation and tuition discounts on PIA in-house programs, like the 3-hour Laws & Regs class, and PIA’s new webinar series on timely topics, like Obamacare • PIA lobbyists fighting for agents at the General Assembly in Richmond; weekly Legislative Update e-newsletter during session; • 3-hour E&O seminar which counts toward a 10% premium discount with Utica • Tuition grants/loans from the PIA-CEAC Carrier Education Assistance Program • PIA Education Foundation’s Semi-annual scholarships to CIC, CISR, CPIA and Convention/SWVA Education ExPO registrations • Discounts on day-long L&H and P&C CE classes • Member-only Agents’ E&O insurance products through PIAIS from agent-owned PIAPRO E&O Captive • Opportunities as board leader, committee chair or active member on one of 14 committees • Opportunities to network/learn from/share with peers at committee and board meetings, and at Conventions • Free admis-sion to Carrier Trade Fair at Annual Convention • Member-agent use of the PIA classrooms; • PIAVA/DC Agency As-sist™ program offering $1,400 of legal and professional consulting free to members annually • PIA Insider e-newsletter, including VA Regulatory Hot Tips created by PIAIS attorney • Agency & agent employment ads in publications • Access to PIAIS’s 4 market access programs for P&C Admitted and Life & Health markets • Personal advice and counsel from PIA Ambassadors • Access to association-endorsed discount premium financing services • PIA website with the following: news & announcements of new PIA member services; licensing and CE transcript data, fast OnLine registration with ACH/EFT payment for classes and conferences; regulatory bulletins, model agreements, Business Links on PIA’s modern website for agents seeking company appointments, PIA Career Center with free ads and free resume postings, agency tips, and archives of all PIA publications, such as the Agency Procedures Manual, privacy policies and technical security policies; • PIA Na-tional Membership benefits worth at least $1500 for each company contract that you have reviewed for free by National’s regulatory attorneys; Federal legislative representation on Capitol Hill; free national branding program with radio print and TVA ads of “Local agents serving Main Street America”; Omnia discounted employee screening; Agency Perpetuation Central; Generation Y micro website; Guide to Successful Agency Planning & Agency Disaster Recovery Manual • A friendly, profes-sional staff - all of whom are P&C licensed and who members can call - FOR FREE - when you need advice on a question, a problem or if you need a straw man to ask the BOI a “what if” question • Multiple business networking opportunities to engage, talk, learn, and associate with other agents, in a non-competitive environment.


DATE TIME WEBINAR CE HOURS

INSTRUCTOR

5/12 9‐12p E&O and the Legal and Ethical Duties of Agents & Brokers **

3 Ethics Jerry Hargrove

5/13 1‐4p ISO General Liability: 2013 Re‐visions

3 P&C Jerry Hargrove

5/14 9‐11a Business Auto Claims That Cause Problems

2 P&C Terry Tadlock

5/15 9‐12p Waivers of Subrogation/Indemnity/Certificates

3 P&C David Viola

5/19 1‐4p Ethics for Insurance Profes‐sionals

3 Ethics Jerry Rhinehart

5/20 9‐12p Flirting With Disaster: Run a Plan or Plan to Run

3 P&C Chris Amrhein

5/20 1‐4p National Health Care Reform 3 L&H Jerry Rhinehart

5/21 1‐4p Social Networking: OMG or E&O?**

3 OGI Chris Amrhein

5/22 9‐12p Flood Insurance pending Kevin Amrhein

5/22 1‐5p Long Term Care Insurance and the Partnership Plan

4 L&H Jerry Rhinehart

5/27 11‐1p Business Income: How Much is Enough?

2 P&C Terry Tadlock

5/28 9‐12p The Human Asset Puzzle: Risk Managing Life, Health and Dis‐ability Insurance

3 L&H Chris Amrhein

5/29 9‐12p It’s Personal: Home and Auto Exposures Your Insured Won’t Tell You

3 P&C Kevin Amrhein

Course Num‐ber

210264

210316

209961

210265

209599

210315

209227

210204

pending

209874

209600

209603

210314

WEBINAR SCHEDULE May 2014

Plan a great VA Beach vacation now at 2014 PIAVADC Convention

Agent teleworking panel highlights 2014 PIA Convention program As more and more professional independent agencies cope with staffing issues and shortages of experienced insur-ance agency personnel, teleworking has become more main stream as an employment practice. Teleworking has unique challenges that may Virginia professional agents have already faced and overcome. Learn the challenges and rewards of teleworking from your colleagues on June 23 at the Sheraton Virginia Beach Oceanfront, where PIAVA/DC presents its 2-hour Agent Teleworking (2P&C) panel discussion, featuring: Moderator Bob Reilly of Ashcraft Associates, Arlington, VA; Jeff Brown of Brown’s Insurance, Manassas; Kenneth Daveler of Alliance Insurance Services, Washington, DC.; Scott Harwood, Jr, of Harwood and Son, Farmville; 2013 PIAVA/DC and PIA National Company Representative of the Year Connie Boyd of Southern Insurance, and Scott Chidester of Kinex, Farmville, VA. As you know, teleworkers work from somewhere that is a distance from your main agency office. Here are some ex-amples: Working on various projects on-site with clients, but not reporting to your main office; Working regularly from a coworking space that you need to commute to; Working from a satellite or branch office rather than your agency’s main

office; Working from anywhere that allows you to work (the airport, a cof-fee shop, a hotel lobby). At PIA’s Teleworking presentastion on June 23, you can learn about successfully telework training; determining employee eligibility; assessing employee needs; crafting signed, written telework agreements; communi-cate expectations; performance management; decisions about equipment; safety and security responsibilities, and unique practices and procedures that impact your agency teleworkers. Get the facts from agents who know at PIA’s Convention and Trade Fair, June 22-24 Virginia Beach. Register online now at www.piavadc.com

It’s your vacation. Warm ocean breezes, soft sand, cool beverages and fun group of people to hang with. PIAVA/DC’s 78th Annual Convention and Trade Fair, June 22-24, 2014, is at Sheraton Virginia Beach Oceanfront. The Sheraton completed a $2 Million renova-tion of all rooms with a new restaurant and beachside ca-bana. PIA's hospitality suites are poolside near the cabana seaside bar & grill (shown at right). Beachside corn hole bag toss tournament to benefit Special Olympics will be held Monday afternoon beachside near PIA’s hospitality suites. (Your corn hole tournament location - the grassy area - shown at bottom right, as seen from the beach) Sheraton rooms are available for reservation now: Ocean-front - $219; Partial Oceanview - $189. For PIA’s dis-counted room rate, agents must mention “PIAVADC” be-fore May 16. Call the hotel directly at 757-425-9000 or 800-325-3535 to make a reservation. Room cut-off is May 16. Individuals may also reserve a room online at http://tinyurl.com/lbw6ja5. We expect our discounted room block to sell out early. PIA’s early reg-istration discount also expires on May 16. Register now and save. Mark your calendars for June 22-24, 2014, Plan to vacation with PIA family friends at PIA’s Convention at Sheraton Oceanfront Virginia Beach. For details, call Carol at PIA 804-264-2582. COM-PANY EXHIBIOR ALERT: There is a significant change for your 2014 PIA Trade Fair. PIA has more than 20 of its 70 trade show spaces overlooking the beach in a unique agent gathering area that many will find appealing. These Ocean Grand Ballroom Foyer spaces are tabletop spaces only; available first come, first served. Call Carol - 804-264-2582 - to reserve one of these prime spaces now - you’ll be glad you did.



As memories of a brutal winter fade, it’s important to remember that warmer weather can bring serious flood risks. Heavy rains, snowmelt, ice jams, and flash flooding all increase the risk of flooding during this time of year. As an insurance professional, you can ensure your clients are covered for floods caused by spring thaw. The National Weather Service has predicted an above-normal chance of flooding this spring following a series of snowstorms this past winter. This has created more snowpack, which in turn can lead to snowmelt as temperatures begin to rise. The risk of flooding will also escalate if the snow continues to fall throughout the early spring months. A spring thaw can produce large amounts of runoff in a short period of time. Each cubic foot of snow that accumu-lates during the winter contains about a gallon of water. When the ground is frozen, water cannot penetrate and be reab-sorbed. The water then runs off the surface and flows into lakes, streams, and rivers—or pools in low-lying areas—causing flooding. Remember, typically there is a 30-day waiting period before a policy goes into effect, so it is important for you cli-ents to have flood insurance in place before the spring flood season begins. Tools To Help You Have the Flood Talk Your clients might not be aware of or understand their flood risk; they might even be hesitant to talk about it. Tools and talking points on the newly updated Agents.FloodSmart.gov are designed to help you have the flood talk more effec-tively by helping your clients and prospects visualize the risk and costs of not purchasing a flood insurance policy. You will also find interactive tools, widgets, and testimonial videos to help communicate flood risk and the financial burden of a flood on FloodSmart.gov. Help your clients visualize how floods happen by sharing the Flood Risk Scenarios tool with them. The snowmelt sce-nario illustrates how a home located in a rural area exposed to heavy snowfall can experience a slow flood that could last for a week or more once the snow begins to melt. By helping clients understand how many ways floods occur, you will help them better understand their flood risk and see the need and benefits of purchasing a policy. Show your clients how just a few inches of water can cost tens of thousands of dollars in damage with the Cost of Flooding tool. Watch the calculator ring up the estimated cost of damage by raising the water level from 1 inch to 4 feet. Seeing the large totals will help clients understand the financial protection flood insurance can offer. You can share or embed both of these free, interactive tools on your website. On FloodSmart.gov you will also find other interactive tools, widgets, and testimonial videos to help communicate flood risk and the financial burden of a flood. Also, don’t forget to register for the Agent Referral Program to get free, qualified leads. Prospective clients who visit FloodSmart.gov can enter their address into the Agent Locator tool and be connected to an agent in their area from FloodS-mart’s Agent Referral Program database. Your name will also appear on FloodSmart direct mailings and will be used by the NFIP Referral Call Center. So before the snow begins to melt and the spring rains begin to fall, visit Agents.FloodSmart.gov to take advantage of the tips and tools that will help build your business.

FloodSmart suggests agents prepare now for Spring flooding

PIA’s Hartford Flood program has new incentives for members For 10 years, PIA and The Hartford have worked together to provide PIA member agents the opportunity to offer your customers flood insurance through The Hartford, a WYO company. PIA members earn great commissions on flood insurance sales with The Hartford and, if they want, a flood insurance processing center that does most of the heavy lifting for them. Hartford has some great incentives that you need to take advantage of. Why move your Flood book to The Hartford? With The Hartford you can be sure to get the best in service with: •Dedicated and knowledgeable book transfer team — they can do the work for you! •Dedicated, local sales director for your territory — to help you grow your flood business •Training and continuing education credits — to help you understand the coverage •Dedicated to keeping you informed with their proprietary flood CAT e-alerts •Easy-to-use marketing and sales tools to help you succeed •State of the art analytics and tools to help you cross-sell to your existing customers •Hartford FloodPro, offering user-friendly, online access to processing systems for quoting, submissions and endorsement requests plus free zone determinations •Online chat for service questions and interactive, real-time input assistance •Hassle-free claim service — 24/7 Claims Reporting •Easy enrollment process Furthermore, participating PIA members have access to the Flood Insurance Marketing Support Center -- a PIA member-only benefit. Want detailed program information? Contact Joseph M. Surowiecki, Jr. at Hartford: 860-547-5006 or e-mail [email protected]


EDUCATION - I will attend the following courses: (please mark even if registered as a Full attendee)

Full Convention Attendee

A La Carte Member

A La Carte Non-Member

Monday (CHOOSE ONLY ONE) 9:00am-Noon Mock Trial: E&O Loss Prevention (3 OGI pending) 9:00-11:00am Panel: Agent Teleworking (2 PC pending) Monday 11:15am-12:15pm Insider’s View of Glass Breakage (1 PC) Tuesday (CHOOSE ONLY ONE) 9:00am-Noon Laws & Regulations [Ethics] (3 ETH) 9:00-11:00am P&C Loss Control (2 PC pending) Tuesday 11:15am-12:15pm ACA Update (1 LH pending)

Included Included

Included

Included Included

Included

$75

$105

$50

$75 $105

$50

$175 $165

$75

$175 $165

$75

“Ride the Waves with PIA” PIA VA/DC Convention and Trade Fair

June 22 - 24, 2014 Sheraton VA Beach Oceanfront ~ VA Beach, VA

A t t e n d e e R e g i s t r a t i o n F o r m

Name: Badge Name (first only):

I am: an Agent a Company Rep a Spouse/Guest

Agency/Company: Email:

Address: City:

State: Zip: Phone: Fax:

If Applicable: NPN #: State (ie: VA): License #:

THIS IS MY FIRST PIA CONVENTION Be sure to add your Special Olympics Donation on the back of this form.

PIA Member Non-Member Additional Staff from Same Agency/Company First Time Attendee (Agent) YPC Track (Must be PIA member; age 45 or under. Reg. incl. all

activities listed above PLUS Chick’s Oyster Bar for no add’l. fee.) Exhibitor Delegate (Exhibitor attending full convention) Spouse/Guest (not a licensed agent)

Full Name Mr. / Mrs. / Ms.

$415 $485 $365 $325 $310

$370 $299

$455 $535 $390 $395 $405

$400 $325

FULL REGISTRATION PACKAGES (* Includes Trade Fair, entertainment, Education courses and

all meal functions (except Monday Chick’s Oyster Bar).

Early Bird

May 16 & After

Trade Fair — Must complete registration form for entry. Sunday Prof. Desig. Conferment / New Members / 1st Timers Lunch

Conferee is free. Guest of conferee: ____ @ $25/each Exhibitors invited to join Prof. Desig. Lunch Monday Breakfast Monday Beachside Corn Hole Tourney for Special Olympics

Monday Dinner - Chick’s Oyster Bar

(Anyone can attend, regardless of age. This dinner is included for those reg. as Full “YPC Track”. Advanced reg. is reqd. Seating limit - 100)

Tuesday Awards Breakfast, PIA Annual Business Meeting Tuesday Reception & Dinner

FREE $35

$35 $35

$50/team of 2 in advance

$99

$35 $110

FREE $45

$45 $45

$75/team of 2 on-site $125

$45 $135

A LA CARTE ITEMS Early Bird May 16 & After Early Bird

FREE $45

$45 $45

$50/team of 2 in advance

$115

$45 $125

May 16 & After

FREE $55

$55 $55

$75/team of 2 on-site $125

$55 $150

Non- Member PIA Member

A c c o m m o d a t i o n s , f u r t h e r d e t a i l s a n d p a y m e n t i n f o r m a t i o n o f t h e b a c k s i d e o f t h i s f o r m .

Mon Breakfast Me Spouse

Tues Awards Breakfast Me Spouse

Tues Reception/Dinner Me Spouse

Chick’s Oyster Bar Yes No

YPC Track Regs. Only:

Sun Trade Fair Reception Me Spouse

Prof Desig Conferment Lunch Yes No

Full Registration—Please Complete

I plan to attend the following meals functions:

Registration Instructions: • If you are a company rep or licensed agent and plan on attending the entire convention (Sunday Trade Fair through Tuesday Dinner), you should

register as a FULL Convention Attendee. The only activities not included in a FULL registration would be Sunday lunch at the Professional Designation Conferee Event and Monday dinner at Chick’s Oyster Bar. Please note, if you register using the YPC Track, the Monday night dinner is already included.

• Full Spouse/Guest Registration – If your spouse or guest (not a licensed agent) plans on attending the entire convention with you, register them under the “Full Registration Packages” section. This includes all breakfasts, Tuesday dinner (NOT Mon dinner) and Sunday Trade Fair Reception. If your spouse is only planning on attending a few of the convention events, the A La Carte Registration may be a better option.

• All FULL Convention attendees (& their spouse, if applicable) are required to mark which meal functions they will be attending. This helps PIA plan according to how many attendees will be present at each meal function.

• ALL REGISTRANTS (Full and A La Carte) should complete the “Education” section. This insures that we will have a seat for you. Some of the sessions have limited seating. If you do not denote in advance, which sessions you plan to attend, you risk not having a seat at your desired session.

Accommodations: Sheraton Virginia Beach Oceanfront, 3501 Atlantic Avenue, Virginia Beach, VA 23451 Register for hotels rooms early—PIA’s room block always sells out early at Virginia Beach. Call Sheraton at (800) 325-3535 or (757) 425-9000 or register online at http://tinyurl.com/lbw6ja5. Mention PIAVADC when calling to receive the discounted rates: $219 Oceanfront; $189 Partial Ocean View. Rates do not include applicable taxes, resort and services fees. Hotel reservations must be made by May 16th in order to receive group discount. If the PIA room block sells out prior to May 16th, then normal hotel rates will apply. Attire: For the most part, our convention is casual. It is recommended that you bring a sweater or jacket in case some rooms are cooler than you desire. Tuesday evening’s dinner is the only time semi-formal attire is recommended.

Payment: Please refer to cancellation policy included on this form. • FULL Registration $

• Spouse Registration $

• A La Carte Registration $

• Education Registration $

• Special Olympics $

• TOTAL $

Invoice Me Credit Card (Amex, Visa, Master Card) A $10 fee will be added to all credit card transactions.

Card # Expires Security Code

Name on Card Card Billing Address City, State, Zip

All invoices must be paid in full by June 20th. Any balance due upon conference check-in must be paid in full in order to receive convention / registration materials. Cancellation Policy: Registration cancellations are fully refundable if cancelled through May 31, 2014. Registrations cancelled June 1 through June 13, 2014 are subject to $50 cancellation fee. No refunds will be given for cancellations made after June 13, 2014. No refund for no-shows. Substitutions are allowed. Written notice of cancellation is required.

Return completed form & payment to: PIA VA/DC, 8751 Park Central Drive, Suite 140, Richmond, VA 23227 Attn: Carol Throckmorton Fax (804) 266-1075 OR Email: [email protected] Questions? Call (804) 264-2582

Children: The following children will be in attendance: # Under 3 yrs. (Names) # Age 3-8 (Names) # Age 9 & up (Names) __ Children’s meals are offered ONLY for Tuesday night dinner. Pre-registration required. # of Children’s Meals requested: _________ @ $15 ea. Dietary Restrictions: Note any food allergies or medical conditions that require special meals. Special Needs: Note any special needs that will help us or the hotel staff serve you &/or your spouse/guest better. (ie Wheelchair; room near elevator)

Attention Trade Fair Exhibitors

How would you like a 50% discounted booth at the 2015 PIA VA/DC Convention in VA Beach? All you have to do is have the best decorated booth at the 2014 Conven-tion. This year’s theme is “Ride the Waves with PIA”. A winner will be chosen from both inside the Ballroom and the Ocean Grand Ballroom Foyer. Trade Fair attendees will vote for their favorite booths and the winner will be announced at the end of the Trade Fair during the Trade Fair Reception.

A NOTE ABOUT SPECIAL OLYMPICS OF VIRGINIA - There will NOT be a Silent

Auction this year as in years past. Please continue to support the Special Olympics

through PIA by adding your donation here. Diamond, Gold and Silver contribu-tors will receive a ribbon on their name badge recognizing their donation. Please write in the $ amount you would like to contribute.

Diamond ($250 & up)

Gold ($100—$249)

Silver ($50—$99)

Bronze ($49 & below)

Course Name: PIAVA/DC Northern Virginia Education ExPO__ Course Location: _Manassas, VA____

Course Date: September 9 & 10, 2014 September 9, 2014 only September 10, 2014 only

Mr. Mrs. Ms.

Name: _____________ Designations:

Name for Badge: _______________________ Agent’s License #:

Agency/Company:

Address:

City: ______________________ State: __________ Zip:

Phone: ____________________ Fax:

Email address: Date of Birth:

Invoice Me **Charge my credit card (Visa/MC/Amex)

**Please note the following convenience fee for credit transactions: $5.00

CC#: ____________________________ ___________ Exp: _______ __ CVV/CVC: ___

Name on card: ____________________________

Billing Address: __________________________________________________________________________

City: _______________________________________ State: _____________Zip Code: _______________

Mail to: PIA of VA & DC, 8751 Park Central Dr., Su. 140, Richmond, VA 23227

Fax to: (804) 266-1075 ~ Email to [email protected] ~ Questions? Call (804) 264-2582

Cancellation Policy: PIA reserves the right to cancel programs for insufficient registration and will give as much notice as possible if we cancel. Attendee Cancellation Policy: August 31, 2014 and after: 50% penalty to cancel; 25% penalty to transfer to another class; no refund for not canceling and not showing up; no penalties for substitutions Disabilities: In accordance with Title III of the Americans With Disabilities Act, we ask that registrants to advise us when registering of disabilities, as well as any necessary accommodations. 3/2014

Price Guide PIA Member Two Days: $199 One Day: $110 Non Member Two Days: $320 One Day: $175

EDUCATION REGISTRATION FORM

All that apply:

I am P&C Licensed I am L&H Licensed I sell Commercial Lines I sell Personal Lines

Only One:

I am an Agency Owner I am an Agency Employee I am a Company Rep. I am a Marketing Rep.

April 15, 2014

Status of NCCI Filings—Virginia

Contact: David Benedict State Relations 804-380-3005

[email protected]

Basic Manual Filings

Item Filings Effective Date Status

B-1408— Revisions to Basic Manual Classifications and Rules April 1, 2010 Approved B-1409— Revisions to Basic Manual Classifications and Appendix E–Classifications by Hazard

Group April 1, 2010 Approved

B-1410— Revisions to Basic Manual Classifications and Appendix E–Classifications by Hazard Group

April 1, 2010 Approved

B-1411— Revisions to Basic Manual Introduction–Application of Manual Rules and Part Two–Classifications


B-1412— Revisions to Basic Manual Classifications and Appendix E – Classifications by Hazard Group



April 1, 2010 Withdrawn

B-1414— Revisions to Basic Manual Rule 3-A–Explanation and Application January 1, 2010 Approved B-1415— Revisions to Basic Manual Classifications, Rules, and Appendix E – Classifications by

Hazard Group April 1, 2010 Approved

B-1413 (VA)— Revisions to Basic Manual Classifications and Appendix E – Classifications by Hazard Groups


B-1417— Revisions to Basic Manual Classifications and Rules April 1, 2011 Approved B-1418— Revisions to Basic Manual Classifications for Air Traffic Controllers Under Contract with

the FAA January 1, 2010 Approved



B-1420— Revisions to Basic Manual Rule 2-E-1-B—Executive Officers Premium Determination, 2-E-3—Partners and Sole Proprietors, and Creation of Appendix F


B-1421— Revisions to Basic Manual Part Two—Classifications and Part Four—Classifications Pending

January 1, 2011 Withdrawn

B-1422— Revisions to Miscellaneous Values Payroll Determination Formula for Codes 7370, 9178, 9179, and 9186 and Revisions to Basic Manual Appendix F


B-1423— Withdrawal of Ex-Medical Coverage April 1, 2012 Approved B-1424— Revisions to Basic Manual Classification Code 7711–Firefighters & Driver – Volunteer

and Discontinuation of Statistical Code 9219–Volunteer Firefighters– Headcount September 1, 2011 Approved

B-1425— Revisions to Employers Liability and Admiralty or FELA Coverage Increased Limits Percentages and Factors

January 1, 2013 Approved

B-1426— Update Federal Mine Safety and Health Act References; Discontinue Per Passenger Seat Surcharge; Exclude Fraudulent and/or Noncompensable Losses from Incurred Losses


B-1427— Revisions to Basic Manual Classifications and Appendix E–Classifications by Hazard April 1, 2015 Approved

April 15, 2014

Group

Experience Rating Plan Manual Filings

Item Filings

Effective Date Status

E-1401— Revision to Experience Rating Plan Manual Rule 1-D-4 Related to Worksheet Distribution July 1, 2011 Approved E-1402— Revisions to the Experience Rating Plan Primary/Excess Split-Point Value and Maximum

Debit Modification April 1, 2013 Approved

Policy Forms Filings

Item Filings


P-1407— Revised Retrospective Rating Plan Endorsements January1, 2010 Approved P-1408— Revision to Forms Manual of Workers Compensation and Employers Liability Insurance July 1, 2010** Approved P-1409— Withdrawal of Ex-Medical Coverage Endorsements WC 00 03 06 and WC 00 03 07 April 1, 2012 Approved P-1410— Establishment of Notification Endorsement of Pending Law Change to Terrorism Risk

Insurance Program Reauthorization Act of 2007 January 1, 2014 Approved

P-1411— Revisions to Forms Manual of Workers Compensation and Employers Liability Insurance January 1, 2015 Approved

Retrospective Rating Plan Filings

Item Filings


R-1397— Update to Retrospective Rating Plan Parameters—Excess Loss Factors April 1, 2009 Withdrawn R-1398— Update to Retrospective Rating Plan Parameters—State Hazard Group Relativities April 1, 2009 Approved R-1399— 2009 Edition to Retrospective Rating Plan Manual for Workers Compensation and

Employers Liability Insurance January 1, 2010 Approved

R-1401— 2009 Update to Retrospective Rating Plan Parameters—State Hazard Group Relativities, Revision to Retrospective Rating Plan Manual 3-F, Revision to Basic Manual Appendix E


Residual Market Filings

Item Filings


RM-W-8032— Establishment of the National Workers Compensation Reinsurance Association NFP (NWCRA or Association) and the National Workers Compensation Reinsurance Association NFP Bylaws of 2009

January 1, 2009 Withdrawn

RM-01-VA-2008— Rule 4-A—Workers Compensation Insurance Plan (WCIP) January 1, 2009 Approved RM-02-VA-2009— Revision of Rule 4-A Workers Compensation Insurance Plan (WCIP) January 1, 2009 Approved RM-03-VA-2009— Establishment of the National Workers Compensation Reinsurance Association NFP

(NWCRA or Association) and the National Workers Compensation Reinsurance Association NFP Bylaws of 2009


RM-W-8033— Establishment of Basic Manual Rule 4-E–Assigned Risk Adjustment Program (ARAP) January 1, 2010 Approved RM-W-8034— Establishment of Basic Manual Rule 4-F–Take Out Credit Program January 1, 2010 Approved RM-W-8041— Revisions of Basic Manual Rules 4-A and 4-B July 1, 2012 Approved RM-W-8042— Establishment of Basic Manual Rule 4-1–Initial or Deposit Premium and Premium

Installments January 1, 2013 Approved

April 15, 2014

Unit Statistical Plan Filings

Item Filings


U-1398— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance January 1, 2013 Approved U-1399— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance October 1, 2014 Approved

U-1399A— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance—Amended Pension Table Values

October 1, 2014 Pending

State Special Filings

Item Filings


01-VA-2010— Elimination of the Manual of Underground Coal Mine Rules April 1, 2011 Withdrawn 02-VA-2010— Elimination of the Manual of Underground Coal Mine Rules April 1, 2011 Approved 01-VA-2013— Revisions to Basic Manual Classifications, Rules and Experience Rating Plan Manual

Rules April 1, 2013 Approved

**As of 03/15/2011, NCCI has requested a revised effective date of 07/01/2012.

NOTE: Change in status and new filings indicated in bold text April 15, 2014

Status of NCCI Filings—District of Columbia

Contact: David Benedict State Relations 804-380-3005

[email protected]

Basic Manual Filings

Item Filings Effective Date Status

B-1408— Revisions to Basic Manual Classifications and Rules November 1, 2010 Approved B-1409— Revisions to Basic Manual Classifications and Appendix E–Classifications by Hazard

Group November 1, 2011 Approved


November 1, 2010 Approved

B-1411— Revisions to Basic Manual Introduction–Application of Manual Rules and Part Two–Classifications






B-1414— Revisions to Basic Manual Rule 3-A–Explanation and Application January 1, 2010 Approved B-1415— Revisions to Basic Manual Classifications, Rules, and Appendix E – Classifications by

Hazard Group November 1, 2011 Approved

B-1416— Revisions to Basic Manual Rule 3-A-3-b–Cancellation Provisions Table 4 January 1, 2010 Approved B-1417— Revisions to Basic Manual Classifications and Rules November 1, 2011 Approved B-1418— Revisions to Basic Manual Classifications for Air Traffic Controllers Under Contract with

the FAA January 1, 2010 Approved



B-1420— Revisions to Basic Manual Rule 2-E-1-B—Executive Officers Premium Determination, 2-E-3—Partners and Sole Proprietors, and Creation of Appendix F


B-1421— Revisions to Basic Manual Part Two—Classifications and Part Four—Classifications Pending


B-1422— Revisions to Miscellaneous Values Payroll Determination Formula for Codes 7370, 9178, 9179, and 9186 and Revisions to Basic M annual Appendix F


B-1423— Withdrawal of Ex-Medical Coverage November 1, 2012 Approved B-1424— Revisions to Basic Manual Classification Code 7711–Firefighters & Driver – Volunteer

and Discontinuation of Statistical Code 9219–Volunteer Firefighters– Headcount September 1, 2011 Approved

B-1425— Revisions to Employers Liability and Admiralty or FELA Coverage Increased Limits Percentages and Factors


B-1426— Update Federal Mine Safety and Health Act References; Discontinue Per Passenger Seat Surcharge; Exclude Fraudulent and/or Noncompensable Losses from Incurred Losses





Experience Rating Plan Manual Filings

Item Filings


E-1401— Revision to Experience Rating Plan Manual Rule 1-D-4 Related to Worksheet Distribution July 1, 2011 Approved E-1402— Revisions to the Experience Rating Plan Primary/Excess Split-Point Value and Maximum

Debit Modification November 1, 2013 Approved

Policy Forms Filings

Item Filings


P-1407— Revised Retrospective Rating Plan Endorsements January1, 2010 Approved P-1408— Revision to Forms Manual of Workers Compensation and Employers Liability Insurance July 1, 2011** Approved P-1409— Withdrawal of Ex-Medical Coverage Endorsements WC 00 03 06 and WC 00 03 07 November 1, 2011 Approved P-1410— Establishment of Notification Endorsement of Pending Law Change to Terrorism Risk

Insurance Program Reauthorization Act of 2007 January 1, 2014 Approved

P-1411— Revisions to Forms Manual of Workers Compensation and Employers Liability Insurance January 1, 2015 Approved

Retrospective Rating Plan Filings

Item Filings


R-1398— Update to Retrospective Rating Plan Parameters—State Hazard Group Relativities January 1, 2009 Approved R-1399— 2009 Edition to Retrospective Rating Plan Manual for Workers Compensation and

Employers Liability Insurance January 1, 2010 Approved

R-1400— 2009 Update to Retrospective Rating Plan Parameters—Excess Loss Factors November 1, 2009 Approved R-1401— 2009 Update to Retrospective Rating Plan Parameters—State Hazard Group Relativities,

Revision to Retrospective Rating Plan Manual 3-F, Revision to Basic Manual Appendix E January 1, 2010 Approved

R-1402— 2011 Update to Retrospective Rating Plan Parameters—Excess Loss Factors—and Update to Basic Manual Appendix E


R-1403— 2011 Update to Retrospective Rating Plan Parameters–Expected Loss Ranges and State Hazard Group Differentials–and Creation of Retrospective Rating Plan Manual Appendix D


R-1404— 2012 Update to Retrospective Rating Plan Parameters—Excess Loss Factors November 1, 2012 Approved R-1405— 2012 Update to Retrospective Rating Plan Parameters—Expected Loss Ranges and

State Hazard Group Differentials January 1, 2013 Approved

R-1406— 2013 Update to Retrospective Rating Plan Parameters—Excess Loss Factors November 1, 2013 Approved R-1406— 2013 Update to Retrospective Rating Plan Parameters—State Hazard Group Differentials January 1, 2014 Approved


Residual Market Filings

Item Filings


RM-W-8032— Establishment of the National Workers Compensation Reinsurance Association NFP (NWCRA or Association) and the National Workers Compensation Reinsurance Association NFP Bylaws of 2009


RM-W-8033— Establishment of Basic Manual Rule 4-E–Assigned Risk Adjustment Program (ARAP) January 1, 2010 Approved RM-W-8034— Establishment of Basic Manual Rule 4-F–Take Out Credit Program January 1, 2010 Approved RM-W-8035— Workers Compensation Insurance Plan (WCIP) Loss Sensitive Rating Plan (LSRP) Basic

Manual Rule 4-C Enhancements January 1, 2011 Approved

RM-W-8036— Enhancements to LSRP Endorsements WC 00 04 17 A and WC 00 04 18 E and Withdrawal of LSRP Endorsements WC 00 04 23 A, WC 32 04 01, WC 43 04 02, and WC 36 04 07


RM-W-8038— Establishment of Basic Manual Rule 4-G–Available Coverages January 1, 2012 Approved RM-W-8039— Establishment of Basic Manual Rule 4-H–Producer Fees January 1, 2012 Approved RM-W-8041— Revisions to Basic Manual Rules 4-A and 4-B July 1, 2011 Approved RM-W-8042— Establishment of Basic Manual Rule 4-1–Initial or Deposit Premium and Premium

Installments January 1, 2013 Approved

RM-W-8043— Revisions to National Workers Compensation Reinsurance Association NFP ByLaws January 1, 2014 Approved

Unit Statistical Plan Filings

Item Filings


U-1398— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance January 1, 2013 Approved U-1399— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance January 1, 2015 Approved

U-1399A— Revisions to Statistical Plan for Workers Compensation and Employers Liability Insurance—Amended Pension Table Values

October 1, 2014 Pending

State Special Filings

Item Filings


01-DC-2008— District of Columbia Dispute Resolution Process September 1, 2008 Approved 01-DC-2010— Revisions to Basic Manual Classifications for Domestic Service Workers–Inside–Physical

Assistance–Consumer Directed Programs and Appendix E–Classifications by Hazard Group



*As of 03/15/2011, NCCI has requested a revised effective date of 07/01/2012.

Rate Filing Activity Filings


Voluntary Pure Premium Loss Costs and Rating Values (-3.3%) November 1, 2009 Approved Assigned Risk Rates and Rating Values (1.1%) November 1, 2009 Approved Voluntary Pure Premium Loss Costs and Rating Values (-5.3%) November 1, 2010 Approved Assigned Risk Rates and Rating Values (3.1%) November 1, 2010 Approved Voluntary Pure Premium Loss Costs and Rating Values (6.2%) November 1, 2011 Approved Assigned Risk Rates and Rating Values (4.3%) November 1, 2011 Approved Voluntary Pure Premium Loss Costs and Rating Values (0.4%) November 1, 2012 Approved Assigned Risk Rates and Rating Values (0.1%) November 1, 2012 Approved Voluntary Pure Premium Loss Costs and Rating Values (2.8%) November 1, 2013 Approved Assigned Risk Rates and Rating Values (-4.6%) November 1, 2013 Approved

Documents

PIA Newsletter March 2014 - piavadc.com Insider...NOVA, 3 yrs exp, Applied exp’d, contact [email protected]; CL producer needed Richmond min 5yr exp, (804)