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Over the next 10 months, PIAVA/DC will focus significantly on the education needs of Southwest Virginia. In
addition to the first-ever Ruble Seminar on October 26-28 at Sheraton Roanoke, and the 76th Annual PIAVA/DC Con-
vention and Trade Fair at Hotel Roanoke on June 24-26, 2012, your association has created an entirely new education
venue specifically for Southwest Virginia where agents can obtain their entire 16 hour P&C CE requirement in just two
days at a deeply discounted registration fee of under $200.
PIAVA/DC’s first Southwest Virginia Education Expo will be conducted on March 27-28, 2012, at the Skelton Con-
ference Center and the Inn at Virginia Tech in beautiful Blacksburg,
VA. PIAVA/DC’s Education Expo will include 11 hours of company-
sponsored CE classes and 5 hours of PIA-sponsored non-company CE
classes, the latter including a Laws & Regulations luncheon taught by
the SCC’s Bureau of Insurance senior staff, and an E&O Loss Preven-
tion Seminar (3 OGI). Topics for CE classes include food spoilage,
power outage and business interruption coverages; earthquake and
unusual hazards coverage; unusual vehicular risk & claims; thorny
issues with certificates of insurance; flood & water/sewer backup damage recovery; agency exposures from social
media; insuring wine collections and an agency’s privacy act obligations.
Sponsoring insurance carriers will have tabletop exhibits and their reps will be available to meet with agents.
PIAVA/DC’s Philanthropy Committee has scheduled its annual “Bingo”, a hilarious annual fundraiser reception/dinner
event for Special Olympics of Virginia on the evening of March 27 at the Inn at VA Tech.
PIAVA/DC SWVA Education Expo, March 27-28, Blacksburg
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]
September 23, 2011 Volume 75, No. 9
PIAVA/DC’s Young Professionals Council sets Oct 20 event
Young agents and young company reps: here’s a unique business networking opportunity that you need to be a
part of. Join in for the “IIAV Annual Young Agent Conference in conjunction with PIAVA/DC Young Professionals
Council,” October 20-21 at the Norfolk Waterside Marriott.
Agency Owners: Encourage YOUR young agents to attend. YPC aims for an overwhelming attendance by agents at
this landmark event. Encourage your younger agents who may not have attended any events before. Why is this
something you should encourage? Young Agents/Professionals are the future of our industry. One of the best ways to
retain your agents is to help them feel connected in their profession. Help support their growth and take advantage of
their PIA membership!
Join in the premiere young agent event of the year. This day and a half conference will feature lots of networking,
educational seminars, trade show, dinner cruise (remember 2004?) and a chance for young insurance professionals
to build new relationships or re-energize existing ones. To register, go to iiav.com/events/Young Agent Conference.
At checkout use coupon code PIA11. Questions? Call YPC Chair Laurie Bruinooge Gray at 804-767-0218. This event
is authorized by the PIAVA/DC Board and IIAV Board as a joint effort to support our young insurance professionals in
Virginia and DC. There is no discussion, now or in the future, of a merger of the two associations.
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 2
PIAVA/DC members get $2,000 of free consulting each year
Each year, for several consecutive years, your agents association has created new services to help its members be
more profitable. Many of the new PIAVA/DC offerings focus on professional education of various employee specialties,
but other member services have been created recently, like PIAIS’ Life & Health Division in 2009, that are aimed at
directly helping agencies generate new revenue streams and help grow or liquidate their businesses.
Launched in August 2010, PIAVA/DC Agency Assist ™ is designed to help agency owners grow their business
and prepare to perpetuate or liquidate their business. It’s an exclusive PIAVA/DC member benefit that can help agency
owners save money and start resolving agencies problems immediately.
Need tax advice or have a regulatory issue with the BOI? Need an appraisal for a book of business or need to re-
solve a tough employee contract problem? Free help for PIA members is a simple call away...think of PIAVA/DC first
and call 804-264-2582. These services are provided to you exclusively through PIAVA/DC Agency Assist ™, a suite
of PIA professional consultative resources designed to help PIA member-agents solve everyday agency and personal
problems, including how to grow your agency value, be more profitable and prepare to buy, sell, perpetuate, merge,
appraise or transfer the ownership of an agency business, with the help of experienced professionals in a variety of
business pursuits. There is no cost to you as PIAVA/DC member; it’s one of the many benefits of PIA membership.
PIAVA/DC Agency Assist ™ offers PIA members a one-hour free consultation per year with each of up to eight
experienced professional practitioners. PIAVA/DC Agency Assist ™ provides one hour per year of local assistance
from one of our seven practicing attorneys each in a different area of the Commonwealth. Additionally, PIAVA/DC of-
fers one hour per year of free consultation from each of our seven professional service providers, including CPA and
tax consultation; agency perpetuation, agency management and workflow analysis; sales and marketing, producer
compensation and productivity analysis; relationship brokerage between agency purchasers and sellers; financing for
agency purchases; agency human relations consulting; business planning; agency valuation and insurance agent busi-
ness coaching services. All are experts in their fields, and all are a just one phone call away at 804-264-2582. Limit
one attorney call per year. Your one-hour per year per consultant is a $250/hour value. If you take advantage of all 8,
that's $2,000 of free consulting time every year. It’s another value-added benefit of PIAVA/DC membership. For help,
call PIAVA/DC at 804-264-2682 or e-mail [email protected] for information on PIAVA/DC Agency Assist ™ and how
its team of consulting professionals can help you solve your agency problems.
PIA Ruble Graduate Seminar makes first appearance in Roanoke
It’s an historic first for Roanoke and Southwest Virginia in October. For the first time ever, PIAVA/DC has
secured one of the National Alliance for Insurance Education & Research’s James K. Ruble Graduate Seminars for
agents holding the Certified Insurance Counselor (CIC) designation. PIA’s Ruble Seminar will be conducted October
26-28, 2011 at the Sheraton Roanoke Hotel & Conference
Center, and well over half of the available seats for this
seminar are reserved already. Seats are filling fast; register
today while seats are still available.
Topics for this seminar include the subject matter SWVA
agents have been asking for and the instructor list reads like
a who’s who of veteran CIC and Ruble instructors from
across the nation. Chris Amrhein will cover gaps forms and
fixes for the CGL and top 20 coverage issues; Bettye
Buffington addresses ethics for insurance professionals and
the why/why not of business auto endorsements; Jerry Rhi-
nehart handles national health care reform and long term care partnership plans, and Jon Persky wraps up the semi-
nar with legal responsibilities of agency owners as employers.
Register now online at www.piavadc.com or call the PIAVA/DC office for assistance at 804-264-2582. Room reser-
vations from the PIA room block at the Sheraton Roanoke are available for $119 single or double until the October 4th
cutoff date. Registration fee for the Ruble is $420 payable in advance.
Don’t miss this exceptional one-time opportunity from PIAVA/DC to get advanced CIC education at a
convenient SWVA location.
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 3
Need to hire? Need a job? Job seekers, employers are here
PIAVA/DC dates to remember...
2012 PIAVA/DC SWVA Education Expo—March 27-28, Inn at VA Tech, Blacksburg; 2012 PIAVA/DC Con-
vention - June 24-26, Hotel Roanoke; 2013 PIAVA/DC Convention - June 23-25, Williamsburg Lodge; 2014
PIAVA/DC SWVA Education Expo, March - Southwest VA; 2014 PIAVA/DC Convention - June 22-24, Vir-
ginia Beach; 2015 PIAVA/DC Convention - June 28-30, Williamsburg.
Got an agency to sell? These folks are buying…. 1) Agent is buying agencies in Southwest VA as far East as Bedford. Contact 540-493-3913. 2) Buying
agencies; Contact Wm. Boseman. Call 252-537-8338 office, 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]
BOI’s P&C Division has several positions available in the Commercial Lines Rates & Forms Sections. Visit the
State Corporation Commission’s Career Center at http://www.scc.virginia.gov/hr/index.aspx for details; P&C pro-
ducer wanted for MetLife Fin Serv agency, Richmond, call 804-582-5880; Comm CSR seeks job, 26 yrs exp, Rich-
mond: 804-615-1502; Comm CSR needed in DC agency. Contact Ken at (202) 638-2498; Dillwyn P/T Life &
Health Producer needed, visit www.davidwise.com/careers; Marketing Mgr needed at Brethren Mutual, contact
John Stoner at [email protected]; Richmond producer, 27 yrs P&C/L&H, call 804-592-9072; Roanoke CSR
needed, call Jeff 540-776-6401; Adjuster seeks work, Cent VA, 804-448-2586; UR grad seeks ins work, 804-467
-4277 [email protected] Leesburg CSR needed, TAM experienced, send resume to
[email protected]; F’burg CSR needs work 540-786-3614; NOVA CISR needs work, 757-270-4641;
NOVA agency seeks CL agent, 703-840-7979; Winchester agent seeks work, 540-333-2230. CSR needed in
Herndon, email résumé to: [email protected]; P’ducers needed, F’burg agency, fax: 540-301-
6347; CL CSR needed Richmond, 804-672-1038. NOVA producer, 5 yrs agency, 703-608-9357; Agent seeks
Richmond job, 25 yrs, 804-716-1818. Richmond CSR needs job, 20 yrs, Call 804-380-4674. CSR needs job in
Richmond 23 yrs, 804-323-1214; CSR seeks Richmond job, call 804-652-0131.
by Curtis M. Pearsall, CPCU, AIAF, CPIA, President, Pearsall Associates Inc., Special Consultant to the Utica National E&O Insurance Program
Last month, we reviewed the first set of 10 practical tips to avoiding Errors & Omissions claims. This
month, we will review the second set of 10. Combined, these have significant potential to either reduce the
likelihood of a claim being made against your agency or, if one does develop, be beneficial in the agency’s
defense. As you will note, many can be easily implemented into your agency structure.
Tip # 11 – Don’t allow your receptionist to accept premiums. If a customer comes into your agency to
pay their premium, it is strongly suggested they meet with the Customer Service Representative/Account Executive who
handles that account to verify its status. There is the possibility the account could be in cancelled status and further action
will be necessary.
Tip # 12 – Get it in writing. Customers call every day to make policy coverage changes. These changes could be addi-
tions or deletions. While your staff may feel confident they took down the information correctly, mistakes do occur – and
at the time of a claim your customer could deny requesting that change. Bottom line: get a customer’s coverage modifica-
tion request in writing. Ask them to e-mail you or stop into the office. This will help ensure there is no misunderstanding.
Another highly used approach is sending the customer an e-mail recapping the conversation as your agency under-
stood it. In the written communication, ask the customer to contact your agency promptly if their understanding of the
conversation is different than yours.
Tip # 13 – Perform monthly quality control. Are there any mistakes in your files? Probably. The problem is that you’re
unsure which files the mistakes are in. If you knew, you would fix them.
Finding these mistakes can oftentimes be accomplished using Quality Control. This QC should be handled at least monthly
and should involve a random sampling of each staff member’s files. Not only will you probably identify a file that needs
some correction, you can also determine if the work is being performed accurately and within your agency’s time-period
guidelines. Many agency management systems provide the tools to assist with performing QC.
Tip # 14 – Use Exposure Analysis Checklists. Exposure Analysis Checklists are the closest thing to a “silver bullet” in
avoiding Errors & Omissions claims. For many years, the # 1 cause of E&O claims has been failure to provide the proper
coverage. Exposure Analysis Checklists provide a systematic approach to ensure you are asking your customer the neces-
sary questions to identify the various exposures. In addition, these checklists contain extensive information for each of the
more than 650 SIC codes. This will enable your staff to essentially become experts in various coverages and exposures.
Within each class, you have access to a full narrative on the exposures. You will also be provided with a questionnaire that
indicates pertinent questions, plus a client coverage agreement prompting you to review all the coverages and document
the final disposition. If your customer declines a specific coverage, you will have concise documentation for your file.
Tip # 15 – Ensure Binders are completed accurately/Mail policies out promptly. Until the policy is issued, oftentimes,
the binder will serve as the basis for the settlement of any claims. Make sure they are completed promptly and accurately.
When the policy is received, ensure it is accurate and promptly get it in the customer’s hands.
Tip # 16 – Ensure insurance issues in a client’s divorce are handled with precision. These matters require strong focus
because you are typically rewriting coverages for one or both of the couple. It is key that you look at the named insured
definition as most Personal Lines policies are based on the named insured and the residence location. Make every attempt
to meet with each party to discuss the matter to better understand their needs and desires. Your primary goal is to secure
the appropriate coverage for both parties with no reductions.
Tip # 17 – Keep the acceptance sheet of your fax transmission. This tip is easily implemented. When sending a fax,
keep the original copy of the cover sheet showing that the fax was accepted by the other party. In the event of a problem,
this document could be quite important in proving what you sent, when you sent it and to whom. The most common prob-
lem seems to arise when you sent a fax binding coverage and, when there is a claim early in the policy period, the other
party states they have no record of receiving your fax and thus is not considering the coverage bound. This should allevi-
ate that problem.
Tip # 18 – Get all necessary inputs when doing valuation calculations. In reviewing E&O claims involving property, the
majority allege the agent did not correctly determine the proper limit and thus, at the time of the loss, the insured did not
receive a proper settlement. If it is necessary for you to do the calculation, tremendous precision with all necessary infor-
mation is required. Take the time to secure all necessary information. Inserting a disclaimer ( Continued on page 6)
20 practical tips to avoiding E & O claims – Part 2 of 2
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 4
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 6
Congress fails to pass NFIP extension; program to expire Sept. 30
Agents: Got an employer-client who wants supplemental health benefits; like cancer; critical illness, accident, or a hospital indemnity coverage for employees, but you have zero time to handle it? Call PIAIS; we have great carriers, like Washington National, and a team of experienced L&H sales agents ready to work for you on sale & enrollment and serious monthly commission in your pocket. Call Sandra Smilek-Edward at PIAIS: 804-264-2582 for info. Give us just one test case. Our agents can help you start a steady revenue stream of new L&H commis-sion that can last. Our PIAIS agents also can handle major medical product sales and enrollments. Call today.
Agents should get any flood insurance applications and payments (including renewal payments) in prior to Sept.
30 for coverage to be effective. The National Flood Insurance Program (NFIP) is set to expire at the end of September
following a vote by the House of Representatives against extension. A continuing resolution failed September 21 by a
vote of 195 to 230 to extend the program – as well as several others – through Nov. 18. House Democrats and Republi-
cans were divided on the bill regarding appropriate levels of disaster funding versus the need for spending cuts.
In July, the House passed the Flood Insurance Reform Act of 2011 (H.R. 1309). It included a five-year reauthori-
zation of the program and made a series of reforms aimed at making the program more financially sound. Two weeks
ago, the Senate Committee on Banking, Housing and Urban Affairs approved its own version, which is still be open to
various amendments, including one that would change the way wind and water damage allocations are handled.
FEMA has issued guidance for producers as the program moves toward a hiatus. Bulletin W-11084 describes how
to handle new policies, renewals, and claims.
Separately, major claims questions are arising about flood insurance for lower levels and basement. FEMA has
issued Bulletin W-11093 on basement coverage which states, in part, coverage is provided for foundation elements,
including posts, pilings, piers, or other support systems for elevated buildings. Coverage is also available for basement
and enclosure utility connections, and for certain mechanical equipment necessary for the habitability of a building. See
Answers to Questions About NFIP No 57 at http://www.fema.bov/library/viewRecord.do?id=1404 for details.
( E&O Continued from page 4) stating the value calculated is based on the information provided and is not a guar-
antee losses will be fully paid is also beneficial. It is also appropriate to include in the disclaimer that engaging a prop-
erty appraiser is the most reliable way to calculate replacement costs for buildings and other structures.
Tip # 19 – Monitor the financial ratings of your carriers periodically. Your agency should have a guideline for the
rating of carriers (including E&S) with which you will do business. Many agencies require A- or better. Have a desig-
nated person assigned to periodically check carriers’ ratings. They can check monthly or subscribe to a service that
alerts the agency to changes.
Carrier ratings do change – and don’t expect the Marketing Representative to tell your agency that their company’s
rating has dropped. When the rating drops below a set corporate level (or becomes an NR rating), consider notifying
your customers of this new rating and tell them what it means. There may be situations where you want to advise the
customer that you strongly recommend replacing the coverage.
Tip # 20 – Document. Document. Document. While this is the last of the tips, it is by far the biggest issue impact-
ing the direction in which an Errors & Omissions claim will go. At the time of a claim, is your file well documented or is
the documentation somewhat sparse and sketchy? Use your agency staff meetings to heavily stress the importance of
timely and accurate documentation. Items to cover include:
- Customer interactions – Without documentation, it’s just hearsay.
- Requests to modify coverage – Pull the file to ensure you fully understand the request. Get the request in writing
or send the customer an e-mail documenting what they requested. This will help alleviate any misunderstandings.
- Phone calls, including cell phones – Producers or anyone in the agency with a cell phone should be required to
document any key business conversations in the agency management system.
- Declined coverage – When a customer declines a specific coverage, get that declination in writing. Once again, this
will serve as vital protection should a claim arise down the road and the customer disavows declining the coverage.
Through implementation of these 10 tips – and the 10 from last month – you will definitely enhance the Errors &
Omissions culture at your agency. This could help reduce the likelihood of E&O claims against you and help provide
effective defense if a claim does occur.
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 7
Do not forget the auditing process at your agency By Grace Bauer Are your agency employees still doing things the same way you taught them to 10 years ago? Is the agency still
afraid of that potential E & O? Do employees still perform tasks outlined exactly the way everyone agreed in the proce-
dures? Unless there is an auditing process in place, who knows? I sure would not know! Make sure to have that au-
diting process in place today! Review the five ways below and decide which way is best for the agency. If there is an-
other way a whole lot better, go for it and use it today. Continue to secure consistency. Prevent that E & O and in-
crease efficiency now.
Audit Through Weekly Meetings
Auditing through weekly meetings is the easiest way to go. At least I feel it is. By working with the staff day-after-
day, I am sure you already know where some of the problem areas are in the office. Lots of times agencies have prob-
lems with employees invoicing correctly, and it may just be a select few or maybe one person in the office that may be
having problems. Bring the invoicing problem up once in a meeting as a group. If there are still problems, bring it up
twice in the group meeting. If still there are problems, then it is time to sit down with that one or two employees. If it
were me, I would definitely not reprimand the employee(s). Instead, put the problem back on that one or two employ-
ees. Ask them why they may not be following procedures the way everyone agreed. Ask them if there is a need to
change the procedure and discuss it, again, as a group. They already know they are not following the procedure. It
was brought up two times in meetings. See what they have to say. Most likely, they will either bring up an idea to con-
sider or just plain say, “Yes, I know. I need to work on that.” At least, let’s hope they say that. If not, then it is time
to just write them up. Again, this is probably the easiest process to follow when auditing. Audit through those weekly
meetings!
Audit as a Group
When auditing as a group, it is probably a
good idea to just audit one procedure per
month on a regular basis. For instance, when
auditing the binder procedure, first develop a
checklist of what to review during the group
auditing process. Some areas to review are:
checking who requested the binder to make
sure it is the insured or receiving approval
from the insured prior to issuing the binder;
issuing a 30 day binder; requesting binders
from those companies that the agency does
not have binding authority for; issuing addi-
tional binders after 30 days if the policy is not
received by the 30 day period; reviewing the
way in which the binder was completed in the
system; utilizing a 30-day suspense when issu-
ing a binder, use of the binder log, and the
review of the binder log on a monthly basis.
Once the checklist is put together, then the
rest just falls into place. Have the meeting
with all CSR’s/Account Managers, print the
information requested to confirm all areas
noted above, and then have the CSR’s/Account
Managers check off each item as it is being
reviewed as a group. Once the check is done,
then review any areas where difficulties may
lie per CSR/Account Manager. When complete,
just have, again, each CSR/Account Manager
PIAVA/DC MEMBER BENEFITS NEWS - September 23, 2011 Page 8
Please respond with a copy of resume to [email protected].
forward the copies of the checklists to management for review and filing. It is pretty easy! The hard part is developing
the checklists.
Employees Audit Each-Other
I do have just a few agencies that I have worked with that find this way of auditing to be fun! This process is exactly
how to Audit as a Group as noted above except each CSR/Account Manager switches files so they are actually auditing
one another instead of themselves. This is probably an even better way to go since the audit process will be very objec-
tive. I do not have very many, but, again, some agencies like this auditing format.
Monthly Individual Employee Audits
Of course, this is probably the most labor-intensive way to go. After developing a detailed checklist for every single
procedure as noted above under Audit as a Group, then it is a matter of reviewing every single item on the checklist. Re-
member, there are about 70 property and casualty procedures, and you will need to develop a detailed checklist for every
single one. Boy, will that ever take time to do. It does not sound fun to me at all. This is another option if you want to
take it. If it were my agency, no way. Management Audit Review Checklist As a last option, there is always the management audit review checklist. This monthly checklist is for management
use only and includes such areas as: account reviews up-to-date; binder log reviewed; claim report reviewed and closed;
cancellation report reviewed; backlog up-to-date; expiration reports reviewed; etc. The list goes on and on for every sin-
gle procedure; however, again, this mainly is a monthly management procedural checklist. If you would like a copy of
this checklist, just call me at 800-896-4226 or e-mail me at [email protected].
Whichever way you decide to go, DO IT! There are five options: the auditing through weekly meetings; auditing as a
group; employees audit one another; the monthly individual employee audits; and the management audit review check-
list. If there is another option, go for it. Make sure to audit the staff. Increase efficiency, secure consistency, and pre-
vent that E & O.
Grace Bauer helps insurance agencies put together customized
insurance procedural manuals to secure consistency, protect
against errors and omissions, attain security, and increase effi-
ciency. She can be reached at 800-896-4226.
PIA partner, purePRM, hosts third free Art of Organization webinar One of PIAVA/DC’s newest partner firms in PIAVA/DC
Agency Assist ™, is purePRM. The firm is offering the third in
its series of free productivity webinars to PIA members. Don’t
miss THE ART OF ORGANIZATION - Wed., Sept. 28th,
12:00 – 1:00pm CDT taught by Steve Kloyda “The Prospecting
Expert”. – Register Now—just cut and paste this URL into your
web browser: https://www1.gotomeeting.com/
register/540877521
Does the thought of trying to “organize it all” leave you
overwhelmed and exhausted? Have you been told you should
get organized but you don’t know where to start? Are you lost
in piles of stuff? You’re not alone! It’s a well-known fact that
the most successful salespeople are also extremely organized.
What’s not as well-known is how to get – and stay – organized
for maximum results. It’s not nearly as hard as everyone
makes it out to be. In this interactive program, Steve draws
from over three decades of experience to provide the proven
organizational and time management strategies you need.
8751 Park Central Drive, Suite 140 Richmond, Virginia 23227
Telephone: (804) 264-2582 ♦ Fax: (804) 266-1075 E-Mail: [email protected] ♦ Website: www.piavadc.com
2012 Certified Insurance Counselors
Institute Schedule (Dates & locations are subject to change.)
January 25-28, 2012 Agency Management Richmond, VA
PIA Education Center
April 25-28, 2012 Personal Lines
Northern Part of the State Facility to be determined
June 6-9, 2012 Commercial Casualty Richmond, VA
PIA Education Center
September 19-21, 2012 Ruble Graduate Seminar Virginia Beach, VA
Wyndham Virginia Beach Oceanfront
September 19-22, 2012 Commercial Property
Virginia Beach, VA Wyndham Virginia Beach
Oceanfront
October 24-27, 2012 Life and Health Roanoke, VA
Facility to be determined
December 5-8, 2012 Commercial Property Richmond, VA
PIA Education Center
March 21-23, 2012 Ruble Graduate Seminar
Richmond, VA PIA Education Center
Course Name:___________________________________________
Course Location: ________ Course Date: ___
Mr. Mrs. Ms.
Name: _____________ Designations:
Name for Badge: _______________________ Agent’s License #:
Agency/Company:
Address:
City: ______________________ State: __________ Zip:
Phone: ____________________ Fax:
Email address: Date of Birth:
For CIC attendees only – Is this your first CIC? Yes No
Invoice Me **Charge my credit card (Visa/MC/Amex)
**Please note the following convenience fees for credit transactions: $3.00 minimum; $5.50 for CISR and CPIA; $9.75 for CIC
CC#: ____________________________ _______________ Exp: _________________
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]
Cancellation Policy: PIA reserves the right to cancel programs for insufficient registration and will give as much notice as possible if we do cancel a program. Attendee Cancellation Policies: CISR and CPIA Classes: within one week of class: 50% penalty to cancel; $25 penalty to transfer to another class; no refund for not canceling and not showing up; no penalties for substitutions CIC Institutes: within two weeks of class: $50 penalty to cancel; $25 penalty to transfer to another class; $100 penalty for not canceling and not showing up; no penalties for substitutions CIC Ruble Graduate Seminar: within seven calendar days of program: $75 to cancel; $125 penalty for not canceling and not showing up; no penalties for substitutions Other Programs: within one week of program: 50% penalty to cancel; 25% penalty to transfer to another class; no refund for not canceling and not showing up; no penalties for substitutions Errors and Omissions: Members registering for an advertised FREE E&O Seminar will be asked to provide a credit card number to secure your place in the course. If you cancel within one week of the program, or do not show up, a $25 penalty will be charged to your credit card; 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. 10/10
Price Guide CIC Institute Early Registration $399 30 Days Prior to Institute $425
CIC Ruble Graduate Seminar $420
CISR Classes $155 CPIA Seminars Member $155 / Non-member $195
Laws and Regulations Member $25/ Non-member $50
Payment must be received prior to attending the Class or Institute.
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.
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
Sep
tem
ber
15
, 20
11
S
tatu
s o
f N
CC
I F
ilin
gs—
Vir
gin
ia
C
on
tact:
D
en
nis
Ko
ku
lak
Sta
te R
ela
tio
ns
561-8
93-3
184
B
asic
Ma
nu
al
Filin
gs
Ite
m F
ilin
gs
Eff
ec
tive
Da
te
Sta
tus
B-1
40
4—
B
asic
Ma
nu
al R
evis
ion
to
Appe
nd
ix E
--T
ab
le o
f C
lassific
ation
s b
y H
aza
rd G
rou
p
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
B-1
40
6—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
Ap
ril 1,
200
9
Ap
pro
ve
d
B-1
40
8—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
Ap
ril 1,
201
0
Ap
pro
ve
d
B-1
40
9—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E–
Cla
ssific
atio
ns b
y H
aza
rd
Gro
up
A
pri
l 1,
201
0
Ap
pro
ve
d
B-1
41
0—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E–
Cla
ssific
atio
ns b
y H
aza
rd
Gro
up
A
pri
l 1,
201
0
Ap
pro
ve
d
B-1
41
1—
R
evis
ions t
o B
asic
Ma
nu
al In
tro
du
ctio
n–
Ap
plic
ation
of M
an
ua
l R
ule
s a
nd
Pa
rt T
wo–
Cla
ssific
atio
ns
Ap
ril 1,
200
9
Ap
pro
ve
d
B-1
41
2—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
A
pri
l 1,
201
0
Ap
pro
ve
d
B-1
41
3—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
A
pri
l 1,
201
0
With
dra
wn
B-1
41
4—
R
evis
ions t
o B
asic
Ma
nu
al R
ule
3-A–
Exp
lan
atio
n a
nd
App
lica
tio
n
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
B-1
41
5—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s,
Ru
les,
an
d A
pp
en
dix
E –
Cla
ssific
atio
ns b
y
Haza
rd G
rou
p
Ap
ril 1,
201
0
Ap
pro
ve
d
B-1
41
3 (
VA
)—
Revis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
s
Ap
ril 1,
201
0
Ap
pro
ve
d
B-1
41
7—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
Ap
ril 1,
201
1
Ap
pro
ve
d
B-1
41
8—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s fo
r A
ir T
raffic
Con
tro
llers
Un
de
r C
on
tra
ct
with
th
e F
AA
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
B-1
41
9—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
A
pri
l 1,
201
1
Ap
pro
ve
d
B-1
42
0—
R
evis
ions t
o B
asic
Ma
nu
al R
ule
2-E
-1-B—
Exe
cu
tive
Off
ice
rs P
rem
ium
De
term
ina
tio
n, 2
-E
-3—
Pa
rtn
ers
an
d S
ole
Pro
prie
tors
, a
nd C
rea
tio
n o
f A
ppe
ndix
F
Ap
ril 1,
201
1
Ap
pro
ve
d
B-1
42
1—
R
evis
ions t
o B
asic
Ma
nu
al P
art
Tw
o—
Cla
ssific
ation
s a
nd
Pa
rt F
ou
r—C
lassific
atio
ns
Pe
nd
ing
Ja
nua
ry 1
, 2
01
1
With
dra
wn
B-1
42
2—
R
evis
ions t
o M
isce
llan
eo
us V
alu
es P
ayro
ll D
ete
rmin
ation
Fo
rmu
la f
or
Cod
es 7
370
, 91
78
, 9
17
9, a
nd
91
86
and
Re
vis
ions t
o B
asic
Ma
nu
al A
ppe
nd
ix F
A
pri
l 1,
201
2
Ap
pro
ve
d
B-1
42
3—
W
ith
dra
wa
l o
f E
x-M
ed
ica
l C
ove
rag
e
Ap
ril 1,
201
2
Ap
pro
ve
d
B-1
42
4—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
Co
de
771
1–
Fir
efig
hte
rs &
Dri
ve
r –
Vo
lun
tee
r a
nd
Dis
con
tin
ua
tio
n o
f S
tatistica
l C
od
e 9
21
9–
Vo
lun
tee
r F
irefig
hte
rs–
Hea
dco
unt
Se
pte
mb
er
1,
201
1
Pe
nd
ing
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
Sep
tem
ber
15
, 20
11
E
xp
eri
en
ce R
ati
ng
Pla
n M
an
ual
Filin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
E-1
40
0—
E
xclu
sio
n o
f C
ata
str
op
he
Lo
sse
s f
rom
Exp
eri
ence
Ra
tin
g
* A
pp
rove
d
E-1
40
1—
R
evis
ion t
o E
xp
eri
ence
Ra
tin
g P
lan
Ma
nu
al R
ule
1-D
-4 R
ela
ted
to
Work
sh
ee
t D
istr
ibu
tio
n
Ju
ly 1
, 2
011
Ap
pro
ve
d
E-1
40
2—
R
evis
ions t
o t
he E
xp
eri
en
ce
Ra
tin
g P
lan P
rim
ary
/Exce
ss S
plit
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int
Va
lue
and
Ma
xim
um
D
eb
it M
od
ific
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n
No
ve
mb
er
1,
201
3
Pe
nd
ing
Po
lic
y F
orm
s F
ilin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
P-1
40
1—
R
evis
ion o
f th
e R
ura
l E
lectr
ific
atio
n A
dm
inis
tra
tio
n E
nd
ors
em
en
t Ja
nua
ry 1
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00
6
Ap
pro
ve
d
P-1
40
7—
R
evis
ed
Re
tro
sp
ective
Ra
tin
g P
lan
End
ors
em
en
ts
Ja
nua
ry1
, 2
01
0
Ap
pro
ve
d
P-1
40
8—
R
evis
ion t
o F
orm
s M
an
ua
l o
f W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility
Insu
ran
ce
Ju
ly 1
, 2
010
**
Ap
pro
ve
d
P-1
40
9—
W
ith
dra
wa
l o
f E
x-M
ed
ica
l C
ove
rag
e E
nd
ors
em
en
ts W
C 0
0 0
3 0
6 a
nd
WC
00
03
07
Ap
ril 1,
201
2
Ap
pro
ve
d
Re
tro
sp
ec
tive
Rati
ng
Pla
n F
ilin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
R-1
39
6—
2
00
7 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
R-1
39
7—
U
pd
ate
to
Re
trospe
ctive
Ra
ting
Pla
n P
ara
me
ters—
Exce
ss L
oss F
acto
rs
Ap
ril 1,
200
9
With
dra
wn
R
-13
98—
U
pd
ate
to
Re
trospe
ctive
Ra
ting
Pla
n P
ara
me
ters—
Sta
te H
aza
rd G
rou
p R
ela
tivitie
s
Ap
ril 1,
200
9
Ap
pro
ve
d
R-1
39
9—
2
00
9 E
ditio
n to
Re
trosp
ective
Ratin
g P
lan
Ma
nu
al fo
r W
ork
ers
Co
mp
ensa
tio
n a
nd
E
mp
loye
rs L
iab
ility
Insu
ran
ce
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
R-1
40
1—
2
00
9 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs—
Sta
te H
aza
rd G
rou
p R
ela
tivitie
s,
Revis
ion t
o R
etr
ospe
ctive
Ra
tin
g P
lan
Ma
nu
al 3
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Revis
ion
to
Ba
sic
Ma
nu
al A
pp
en
dix
E
Ap
ril 1,
201
0
Ap
pro
ve
d
R
esid
ua
l M
ark
et
Filin
gs
It
em
Filin
gs
Eff
ec
tive
Da
te
Sta
tus
RM
-W-8
026—
R
ule
4-A—
Work
ers
Com
pen
sa
tio
n I
nsu
rance
Pla
n (
WC
IP)
Ja
nua
ry 1
, 2
00
6
With
dra
wn
R
M-W
-80
27—
R
ule
4-B—
Pro
fessio
na
l E
mplo
ye
r O
rga
niz
ation
(P
EO
) A
rra
ng
em
en
ts
Ja
nua
ry 1
, 2
00
6
With
dra
wn
R
M-W
-80
29—
R
ule
4-D—
Volu
nta
ry C
ove
rage
Assis
tan
ce
Pro
gra
m (
VC
AP
® S
erv
ice
) a
nd
Rela
ted
A
me
ndm
ents
to
Ru
le 4
-A-W
CIP
Ju
ly 1
, 2
006
With
dra
wn
RM
-03
-VA
-20
06—
V
irg
inia
Work
ers
Com
pe
nsa
tion
In
su
rance
Pla
n (
WC
IP)
Ca
nce
llatio
n R
ule
Re
qu
irem
en
ts
Ja
nua
ry 1
, 2
00
7
Ap
pro
ve
d
RM
-01
-VA
-20
07—
R
ule
4-A—
Work
ers
Com
pen
sa
tio
n I
nsu
rance
Pla
n (
WC
IP)
Octo
be
r 1
, 20
07
W
ith
dra
wn
R
M-W
-80
32—
E
sta
blis
hm
en
t of
the N
ation
al W
ork
ers
Com
pe
nsa
tio
n R
ein
su
ran
ce
Associa
tio
n N
FP
(N
WC
RA
or
Asso
cia
tion
) an
d th
e N
atio
nal W
ork
ers
Co
mp
ensa
tio
n R
ein
su
ran
ce
Associa
tio
n
NF
P B
yla
ws o
f 200
9
Ja
nua
ry 1
, 2
00
9
With
dra
wn
RM
-01
-VA
-20
08—
R
ule
4-A—
Work
ers
Com
pen
sa
tio
n I
nsu
rance
Pla
n (
WC
IP)
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
RM
-02
-VA
-20
09—
R
evis
ion o
f R
ule
4-A
Work
ers
Com
pe
nsa
tio
n I
nsu
rance
Pla
n (
WC
IP)
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
RM
-03
-VA
-20
09—
E
sta
blis
hm
en
t of
the N
ation
al W
ork
ers
Com
pe
nsa
tio
n R
ein
su
ran
ce
Associa
tio
n N
FP
(N
WC
RA
or
Asso
cia
tion
) an
d th
e N
atio
nal W
ork
ers
Co
mp
ensa
tio
n R
ein
su
ran
ce
Associa
tio
n
NF
P B
yla
ws o
f 200
9
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
RM
-W-8
033—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-E–
Assig
ne
d
Ris
k A
dju
stm
en
t P
rog
ram
(A
RA
P)
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
RM
-W-8
034—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-F–
Ta
ke O
ut
Cre
dit P
rog
ram
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
RM
-W-8
041—
R
evis
ion
s o
f B
as
ic M
an
ua
l R
ule
s 4
-A a
nd
4-B
J
uly
1,
20
11
P
en
din
g
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
Sep
tem
ber
15
, 20
11
S
tate
Sp
ecia
l F
ilin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
03
-VA
-20
05—
V
irg
inia
Work
ers
Com
pe
nsa
tion
Sta
tistica
l P
lan
Up
date
Ja
nua
ry 1
, 2
00
6
Ap
pro
ve
d
04
-VA
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05—
T
err
ori
sm
Ris
k I
nsu
rance
Exte
nsio
n A
ct o
f 2
00
5
Ja
nua
ry 1
, 2
00
6
Ap
pro
ve
d
01
-VA
-20
06—
V
irg
inia
Exp
eri
en
ce
Ra
tin
g P
lan–
Com
pro
mis
e S
ettle
me
nts
M
ay 1
, 2
00
6
Ap
pro
ve
d
03
-VA
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06—
V
irg
inia
Sta
te R
ule
Sp
ecia
ls–W
rap
Up
Con
str
uctio
n P
roje
cts
and
Tre
atm
en
t o
f L
imite
d
Lia
bili
ty C
om
pan
ies
Ju
ly 1
, 2
006
Ap
pro
ve
d
04
-VA
-20
06—
B
asic
Ma
nu
al fo
r W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility–
Scop
es o
f B
asic
M
an
ua
l C
lassific
atio
ns
Ap
ril 20
06
Ed
itio
n
With
dra
wn
01
-VA
-20
07—
B
asic
Ma
nu
al fo
r W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility–
Scop
es o
f B
asic
M
an
ua
l C
lassific
atio
ns
Ap
ril 1,
200
7
Ap
pro
ve
d
02
-VA
-20
07—
R
evis
ions t
o V
irgin
ia C
on
tra
ctin
g C
lassific
atio
n P
rem
ium
Adju
stm
en
t P
rog
ram
and
V
irg
inia
Co
ntr
actin
g C
lassific
atio
n P
rem
ium
Cre
dit A
pp
lica
tion
A
pri
l 1,
200
8
Ap
pro
ve
d
03
-VA
-20
07—
E
limin
atio
n o
f th
e M
an
ua
l o
f U
nd
erg
rou
nd
Co
al M
ine
Ru
les
Ap
ril 1,
200
8
With
dra
wn
0
4-V
A-2
007—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s
Ap
ril 1,
200
8
Ap
pro
ve
d
05
-VA
-20
07—
T
err
ori
sm
Ris
k I
nsu
rance
Pro
gra
m R
eau
tho
riza
tion
Act o
f 200
7
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
06
-VA
-20
07—
T
err
ori
sm
Ris
k I
nsu
rance
Pro
gra
m R
eau
tho
riza
tion
Act o
f 200
7 E
ndo
rsem
ents
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
02
-VA
-20
08—
C
ata
str
op
he P
rovis
ions M
isce
llan
eou
s V
alu
es,
Ru
les a
nd
Sta
tistica
l C
ode
s
Se
pte
mb
er
1,
200
8
With
dra
wn
0
3-V
A-2
008—
C
ata
str
op
he P
rovis
ions F
orm
s
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
03
-VA
-20
08
(A)—
A
me
ndm
ent
to Ite
m 0
3-V
A-2
00
8—
Cata
str
oph
e P
rovis
ion
Form
s
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
04
-VA
-20
08—
A
me
nde
d C
ata
str
op
he P
rovis
ion
R
ule
s a
nd
Sta
tistica
l C
od
es
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
05
-VA
-20
08—
V
irg
inia
Dis
pu
te R
eso
lutio
n P
rocess
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
06
-VA
-20
08—
S
tatistica
l P
lan
fo
r W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
07
-VA
-20
08—
R
evis
ions t
o t
he C
lassific
ation
Tre
atm
en
t o
f A
mb
ula
nce
Se
rvic
e C
om
pa
nie
s a
nd
E
me
rgen
cy M
ed
ica
l S
erv
ice P
rovid
ers
A
pri
l 1,
200
8
Ap
pro
ve
d
01
-VA
-20
10—
E
limin
atio
n o
f th
e M
an
ua
l o
f U
nd
erg
rou
nd
Co
al M
ine
Ru
les
Ap
ril 1,
201
1
With
dra
wn
0
2-V
A-2
010—
E
limin
atio
n o
f th
e M
an
ua
l o
f U
nd
erg
rou
nd
Co
al M
ine
Ru
les
Ap
ril 1,
201
1
Ap
pro
ve
d
*
Eff
ective
fo
r e
xp
eri
en
ce r
ating
mod
ific
atio
ns w
ith
ra
tin
g e
ffective
da
tes o
f M
ay 2
7,
20
02
thro
ug
h J
une
12,
200
7
**A
s o
f 0
3/1
5/2
01
1,
NC
CI h
as r
eq
ueste
d a
re
vis
ed
eff
ective
da
te o
f 0
7/0
1/2
01
2.
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
Sep
tembe
r 15
, 20
11
S
tatu
s o
f N
CC
I F
ilin
gs—
Dis
tric
t o
f C
olu
mb
ia
C
on
tact:
L
ori
Lo
vg
ren
S
tate
Rela
tio
ns
561-8
93-3
337
B
asic
Ma
nu
al
Filin
gs
Ite
m F
ilin
gs
Eff
ec
tive
Da
te
Sta
tus
B-1
40
4—
B
asic
Ma
nu
al R
evis
ion
to
Appe
nd
ix E
--T
ab
le o
f C
lassific
ation
s b
y H
aza
rd G
rou
p
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
B-1
40
5—
T
err
ori
sm
Ris
k I
nsu
rance
Pro
gra
m R
eau
tho
riza
tion
Act o
f 200
7
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
B-1
40
6—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
Ap
ril 1,
200
9
Ap
pro
ve
d
B-1
40
7—
C
ata
str
op
he P
rovis
ions M
isce
llan
eou
s V
alu
es,
Ru
les a
nd
Sta
tistica
l C
ode
s
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
B-1
40
8—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
No
ve
mb
er
1,
201
0
Ap
pro
ve
d
B-1
40
9—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E–
Cla
ssific
atio
ns b
y H
aza
rd
Gro
up
N
ove
mb
er
1,
201
1
Ap
pro
ve
d
B-1
41
0—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E–
Cla
ssific
atio
ns b
y H
aza
rd
Gro
up
N
ove
mb
er
1,
201
0
Ap
pro
ve
d
B-1
41
1—
R
evis
ions t
o B
asic
Ma
nu
al In
tro
du
ctio
n–
Ap
plic
ation
of M
an
ua
l R
ule
s a
nd
Pa
rt T
wo–
Cla
ssific
atio
ns
Ap
ril 1,
200
9
Ap
pro
ve
d
B-1
41
2—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
N
ove
mb
er
1,
201
1
Ap
pro
ve
d
B-1
41
3—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
N
ove
mb
er
1,
201
1
Ap
pro
ve
d
B-1
41
4—
R
evis
ions t
o B
asic
Ma
nu
al R
ule
3-A–
Exp
lan
atio
n a
nd
App
lica
tio
n
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
B-1
41
5—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s,
Ru
les,
an
d A
pp
en
dix
E –
Cla
ssific
atio
ns b
y
Haza
rd G
rou
p
No
ve
mb
er
1,
201
1
Ap
pro
ve
d
B-1
41
6—
R
evis
ions t
o B
asic
Ma
nu
al R
ule
3-A
-3-b–
Cance
llatio
n
Pro
vis
ion
s T
ab
le 4
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
B-1
41
7—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Rule
s
No
ve
mb
er
1,
201
1
Ap
pro
ve
d
B-1
41
8—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s fo
r A
ir T
raffic
Con
tro
llers
Un
de
r C
on
tra
ct
with
th
e F
AA
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
B-1
41
9—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s a
nd
Ap
pe
nd
ix E
– C
lassific
atio
ns b
y H
aza
rd
Gro
up
N
ove
mb
er
1,
201
2
Ap
pro
ve
d
B-1
42
0—
R
evis
ions t
o B
asic
Ma
nu
al R
ule
2-E
-1-B—
Exe
cu
tive
Off
ice
rs P
rem
ium
De
term
ina
tio
n, 2
-E
-3—
Pa
rtn
ers
an
d S
ole
Pro
prie
tors
, a
nd C
rea
tio
n o
f A
ppe
ndix
F
No
ve
mb
er
1,
201
0
Ap
pro
ve
d
B-1
42
1—
R
evis
ions t
o B
asic
Ma
nu
al P
art
Tw
o—
Cla
ssific
ation
s a
nd
Pa
rt F
ou
r—C
lassific
atio
ns
Pe
nd
ing
Ja
nua
ry 1
, 2
01
1
Ap
pro
ve
d
B-1
42
2—
R
evis
ions t
o M
isce
llan
eo
us V
alu
es P
ayro
ll D
ete
rmin
ation
Fo
rmu
la f
or
Cod
es 7
370
, 91
78
, 9
17
9, a
nd
91
86
and
Re
vis
ions t
o B
asic
M a
nn
ua
l A
pp
end
ix F
N
ove
mb
er
1,
201
1
Ap
pro
ve
d
B-1
42
3—
W
ith
dra
wa
l o
f E
x-M
ed
ica
l C
ove
rag
e
No
ve
mb
er
1,
201
2
Ap
pro
ve
d
B-1
42
4—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
Co
de
771
1–
Fir
efig
hte
rs &
Dri
ve
r –
Vo
lun
tee
r a
nd
Dis
con
tin
ua
tio
n o
f S
tatistica
l C
od
e 9
21
9–
Vo
lun
tee
r F
irefig
hte
rs–
Hea
dco
unt
Se
pte
mb
er
1,
201
1
Ap
pro
ve
d
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
A
ugu
st 1
5, 2
01
1
E
xp
eri
en
ce R
ati
ng
Pla
n M
an
ual
Filin
gs
It
em
Filin
gs
E
ffe
cti
ve
Da
te
Sta
tus
E-1
40
0—
E
xclu
sio
n o
f C
ata
str
op
he
Lo
sse
s f
rom
Exp
eri
ence
Ra
tin
g
* A
pp
rove
d
E-1
40
1—
R
evis
ion t
o E
xp
eri
ence
Ra
tin
g P
lan
Ma
nu
al R
ule
1-D
-4 R
ela
ted
to
Work
sh
ee
t D
istr
ibu
tio
n
Ju
ly 1
, 2
011
Ap
pro
ve
d
E-1
40
2—
R
evis
ions t
o t
he E
xp
eri
en
ce
Ra
tin
g P
lan P
rim
ary
/Exce
ss S
plit
-Po
int
Va
lue
and
Ma
xim
um
D
eb
it M
od
ific
atio
n
No
ve
mb
er
1,
201
3
Ap
pro
ve
d
Po
lic
y F
orm
s F
ilin
gs
It
em
Filin
gs
E
ffe
cti
ve
Da
te
Sta
tus
P-1
40
5—
T
err
ori
sm
Ris
k I
nsu
rance
Pro
gra
m R
eau
tho
riza
tion
Act o
f 200
7 E
ndo
rsem
ents
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
P-1
40
6—
W
ith
dra
wa
l o
f E
ndo
rsem
en
t W
C 0
0 0
1 1
3 A
an
d R
evis
ion
s to E
nd
ors
em
en
ts W
C 0
0 0
4
21
B a
nd
WC
00
04 2
2
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
P-1
40
7—
R
evis
ed
Re
tro
sp
ective
Ra
tin
g P
lan
End
ors
em
en
ts
Ja
nua
ry1
, 2
01
0
Ap
pro
ve
d
P-1
40
8—
R
evis
ion t
o F
orm
s M
an
ua
l o
f W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility
Insu
ran
ce
Ju
ly 1
, 2
011
**
Ap
pro
ve
d
P-1
40
9—
W
ith
dra
wa
l o
f E
x-M
ed
ica
l C
ove
rag
e E
nd
ors
em
en
ts W
C 0
0 0
3 0
6 a
nd
WC
00
03
07
N
ove
mb
er
1,
201
1
Ap
pro
ve
d
Re
tro
sp
ec
tive
Rati
ng
Pla
n F
ilin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
R-1
39
6—
2
00
7 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
R-1
39
7—
U
pd
ate
to
Re
trospe
ctive
Ra
ting
Pla
n P
ara
me
ters—
Exce
ss L
oss F
acto
rs
No
ve
mb
er
1,
200
8
With
dra
wn
R
-13
98—
U
pd
ate
to
Re
trospe
ctive
Ra
ting
Pla
n P
ara
me
ters—
Sta
te H
aza
rd G
rou
p R
ela
tivitie
s
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
R-1
39
9—
2
00
9 E
ditio
n to
Re
trosp
ective
Ratin
g P
lan
Ma
nu
al fo
r W
ork
ers
Co
mp
ensa
tio
n a
nd
E
mp
loye
rs L
iab
ility
Insu
ran
ce
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
R-1
40
0—
2
00
9 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs—
Exce
ss L
oss F
acto
rs
No
ve
mb
er
1,
200
9
Ap
pro
ve
d
R-1
40
1—
2
00
9 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs—
Sta
te H
aza
rd G
rou
p R
ela
tivitie
s,
Revis
ion t
o R
etr
ospe
ctive
Ra
tin
g P
lan
Ma
nu
al 3
-F,
Revis
ion
to
Ba
sic
Ma
nu
al A
pp
en
dix
E
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
R-1
40
2—
2
01
1 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs—
Exce
ss L
oss F
acto
rs—
an
d
Upd
ate
to
Basic
Ma
nu
al A
ppen
dix
E
No
ve
mb
er
1,
201
1
Ap
pro
ve
d
R-1
40
3—
2
01
1 U
pd
ate
to
Re
tro
sp
ective
Ratin
g P
lan
Pa
ram
ete
rs–
Exp
ecte
d L
oss R
an
ges a
nd
S
tate
Ha
za
rd G
rou
p D
iffe
rentia
ls–a
nd
Cre
atio
n o
f R
etr
osp
ective
Ra
ting
Pla
n M
an
ua
l A
pp
en
dix
D
No
ve
mb
er
1,
201
2
Ap
pro
ve
d
R
esid
ua
l M
ark
et
Filin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
RM
-W-8
030—
R
evis
ion t
o F
orm
s M
an
ua
l o
f W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility
Insu
ran
ce
Ja
nua
ry 1
, 2
00
8
Ap
pro
ve
d
RM
-W-8
032—
E
sta
blis
hm
en
t of
the N
ation
al W
ork
ers
Com
pe
nsa
tio
n R
ein
su
ran
ce
Associa
tio
n N
FP
(N
WC
RA
or
Asso
cia
tion
) an
d th
e N
atio
nal W
ork
ers
Com
pe
nsa
tio
n R
ein
su
ran
ce
Associa
tio
n
NF
P B
yla
ws o
f 200
9
Ja
nua
ry 1
, 2
00
9
Ap
pro
ve
d
NO
TE:
Ch
ange
in s
tatu
s an
d n
ew f
ilin
gs in
dic
ate
d in
bo
ld t
est
A
ugu
st 1
5, 2
01
1
Re
sid
ua
l M
ark
et
Filin
gs
(co
nt.
)
RM
-W-8
033—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-E–
Assig
ne
d
Ris
k A
dju
stm
en
t P
rog
ram
(A
RA
P)
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
RM
-W-8
034—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-F–
Ta
ke O
ut
Cre
dit P
rog
ram
Ja
nua
ry 1
, 2
01
0
Ap
pro
ve
d
RM
-W-8
035—
W
ork
ers
Com
pe
nsa
tio
n In
su
ran
ce
Pla
n (
WC
IP)
Loss S
en
sitiv
e R
ating
Pla
n (
LS
RP
) B
asic
M
an
ua
l R
ule
4-C
En
ha
ncem
en
ts
Ja
nua
ry 1
, 2
01
1
Ap
pro
ve
d
RM
-W-8
036—
E
nh
ance
me
nts
to
LS
RP
End
ors
em
en
ts W
C 0
0 0
4 1
7 A
an
d W
C 0
0 0
4 1
8 E
an
d
With
dra
wa
l o
f L
SR
P E
nd
ors
em
en
ts W
C 0
0 0
4 2
3 A
, W
C 3
2 0
4 0
1, W
C 4
3 0
4 0
2, a
nd
WC
3
6 0
4 0
7
Ja
nua
ry 1
, 2
01
1
Ap
pro
ve
d
RM
-W-8
038—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-G–
Ava
ilab
le C
ove
rage
s
Ja
nua
ry 1
, 2
01
2
Ap
pro
ve
d
RM
-W-8
039—
E
sta
blis
hm
en
t of
Ba
sic
Ma
nu
al R
ule
4-H–
Pro
du
ce
r F
ees
Ja
nua
ry 1
, 2
01
2
Ap
pro
ve
d
RM
-W-8
041—
R
evis
ion
s t
o B
as
ic M
an
ua
l R
ule
s 4
-A a
nd
4-B
J
uly
1,
20
11
A
pp
rove
d
Un
it S
tati
sti
cal P
lan
Filin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
U-1
39
7—
S
tatistica
l P
lan
fo
r W
ork
ers
Com
pe
nsa
tio
n a
nd
Em
plo
ye
rs L
iab
ility
In
su
rance
S
ep
tem
be
r 1
, 2
00
8
Ap
pro
ve
d
Sta
te S
pecia
l F
ilin
gs
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
01
-DC
-20
08—
D
istr
ict
of C
olu
mb
ia D
isp
ute
Re
so
lution
Pro
ce
ss
Se
pte
mb
er
1,
200
8
Ap
pro
ve
d
01
-DC
-20
10—
R
evis
ions t
o B
asic
Ma
nu
al C
lassific
ation
s f
or
Dom
estic S
erv
ice
Work
ers–
Insid
e–
Ph
ysic
al
Assis
tan
ce–
Con
su
me
r D
irecte
d P
rog
ram
s a
nd A
pp
en
dix
E–
Cla
ssific
atio
ns b
y H
aza
rd
Gro
up
No
ve
mb
er
1,
201
0
Ap
pro
ve
d
Ra
te F
ilin
g A
cti
vit
y
Ite
m F
ilin
gs
E
ffe
cti
ve
Da
te
Sta
tus
V
olu
nta
ry P
ure
Pre
miu
m L
oss C
osts
an
d R
ating
Va
lue
s (
-14
.4%
) N
ove
mb
er
1,
200
8
Ap
pro
ve
d
A
ssig
ne
d R
isk R
ate
s a
nd
Ra
tin
g V
alu
es (
-15
.8%
) N
ove
mb
er
1,
200
8
Ap
pro
ve
d
V
olu
nta
ry P
ure
Pre
miu
m L
oss C
osts
an
d R
ating
Va
lue
s (
-3.3
%)
No
ve
mb
er
1,
200
9
Ap
pro
ve
d
A
ssig
ne
d R
isk R
ate
s a
nd
Ra
tin
g V
alu
es (
1.1
%)
No
ve
mb
er
1,
200
9
Ap
pro
ve
d
V
olu
nta
ry P
ure
Pre
miu
m L
oss C
osts
an
d R
ating
Va
lue
s (
-5.3
%)
No
ve
mb
er
1,
201
0
Ap
pro
ve
d
A
ssig
ne
d R
isk R
ate
s a
nd
Ra
tin
g V
alu
es (
3.1
%)
No
ve
mb
er
1,
201
0
Ap
pro
ve
d
V
olu
nta
ry P
ure
Pre
miu
m L
oss C
osts
an
d R
ating
Va
lue
s (
6.2
%)
No
ve
mb
er
1,
201
1
Pe
nd
ing
A
ssig
ne
d R
isk R
ate
s a
nd
Ra
tin
g V
alu
es (
4.3
%)
No
ve
mb
er
1,
201
1
Pe
nd
ing
*
Eff
ective
fo
r e
xp
eri
en
ce r
ating
mod
ific
atio
ns w
ith
ra
tin
g e
ffective
da
tes o
f M
ay 2
7,
20
02
thro
ug
h J
une
12,
200
7
**A
s o
f 0
3/1
5/2
01
1,
NC
CI h
as r
eq
ueste
d a
re
vis
ed
eff
ective
da
te o
f 0
7/0
1/2
01
2.
