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Trade publication by the Independent Insurance Agents and Brokers of SC for the entire industry, members and nonmembers alike. Vol. 3, ed.2 - April 2009. Features article on earthquake insurance, Education and Young Agent spotlights.
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The Strength To Weather Any Storm. The Power To Provide Brighter Solutions.
Morehead City, North Carolina 252.726.8992 fax 252.726.9484moreheadcity.burnsandwilcox.com
At Burns & Wilcox, we believe strong leadership ensures a bright future.With Alan Kaufman’s vision, we’ve grown into North America’s largest and most capable specialty insurance wholesaler. Our unique ability to provide comprehensive specialty risk coverage, especially in this challenging and stormy market, is the result of a national network of experienced underwriters and brokers who give us the strength to grow regardless of what’s on the horizon. So if you want a company with the foresight to stay ahead of the storm, turn to the professionals with the speed, intelligence and agility to get the job done — the specialists at Burns & Wilcox.
Alan Jay KaufmanChairman, President & CEO
South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising in this publication or the views of its writers.
Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Caroli-na Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher cannot assume responsibility for claims made by advertisers and is not responsible for the opinions expressed by contributing authors.
For more information on advertising,Contact Jim Aitkins
Blue Water Publishers22727 - 161st Avenue SE
Monroe, WA 98272360-805-6474 fax: [email protected]
IIABSC Staff
G. Frank Sheppard, AAIPresidentext. 23, [email protected]
Rebecca H. McCormack, CPCU, CIC, AAI,CPIWVice Presidentext. 14, [email protected]
Anita J. TrevinoDirector of Communicationsext. 29, [email protected]
Beth ChastieDirector of Administration & Financeext. 17, [email protected]
Charlene Bernotas, CISR, ACSRAgency Administratorext. 22, [email protected]
Elaine MikellMeeting Coordinatorext. 16, [email protected]
Mary A. EllisEducation Coordinatorext. 12, [email protected]
Jeanette BlossEducation Coordinatorext. 11, [email protected]
Pat FetnerReceptionistext. 10, [email protected]
Lee RuefDirector of State Government [email protected]
Independent Insurance Agents & Brokers of South Carolina
PO Box 210008, Columbia, SC 29221800 Gracern Road, Columbia, SC 29210
803-731-9460 803-772-6425 (fax)e-mail: [email protected]
Contents
Advertiser Index
Message from the Chairman of the Board 6
Message from the National Director 8
Trusted Choice® Disaster Relief Fund 10
Education Spotlight - Garrett Wreden, CPCU, AIP 14
Young Agent Spotlight - Anna T. Bailey, CIC, CISR 16
Top Ten Reasons to Use An Agency Management System 20
Top Ten Things Employers Need to Know About the New FMLA Regulations 22
Big “I” Markets Product List 27
Avoid E&O Pitfalls in Earthquake Insurance 30
Save the Date: Upcoming Events 36
IIABSC Foundation 38
2008 InsurPac Contributors 40
Trusted Choice® Junior Golf Sponsorship Form 42
IIABSC Calendar 44
2009 Board of Directors and Executive Committee 46
AequiCap Program Administrators 19
AmTrust North America 47
Auto Owners Insurance Company 41
Bankers Insurance Group 26
Builders Mutual Insurance 11
Burns & Wilcox 3, 5, 48
Capstone Underwriters 26
Edwin M. Rollins Company 7
General Casualty Insurance 2
Hagerty 45
Hanover Excess & Surplus 23
Hull & Company 37
Insurance House 39
Jackson Sumner & Associates 17
Johnson & Johnson 24, 25
Market Finders Insurance Corp. 12
Montgomery Insurance 41
Preferred Specialty 45
Prime Rate Premium Finance 39
ProVision Underwriters 37
Sagamore Insurance Company 21
South Carolina Agent Network 29
Southern Insurance Underwriters 9
Southern Cross Underwriters 33
Summit Marketing Services 43
TAPCO Underwriters 41
The National Security Group 43
The Seibels Bruce Group 21
Universal North America 13
SPRING 2009
Cover: (Dreamstime: Psalm113vp). Every Spring Upstate South Carolina has a hot-air-balloon festival during
Memorial Day weekend called “Freedom Weekend Aloft.” The purpose of the festival is to promote affordable
family fun, hot-air ballooning, patriotism and tourism to the Upstate area while raising money for local and
regional charities. This year’s festival is from May 22 – 25 at Heritage Park in Simpsonville. While it may not
cover hot-air ballooning, Big “I” Markets has recently added several Outdoor Markets products including
offered through Big “I” Markets on page 27.
Vaca
nt P
rope
rty
Insure Wisely™
Morehead City, North Carolina 252.726.8992 fax 252.726.9484moreheadcity.burnsandwilcox.com
When you partner with the experienced professionals at Burns & Wilcox, you’ll fi nd a national network of underwriters with unparalleled access to the leading markets for Vacant Properties. That means broad coverage from a company with the speed, agility and intelligence to get the job done right. Plus, fl exible solutions and large limits in protection against fi re, vandalism and other unforeseen claims. If your client has an empty property, give them the right coverage with a Vacant Property Policy from Burns & Wilcox, North America’s largest specialty insurance wholesaler.
Alan Jay KaufmanChairman, President & CEO
Need a Vacant Property Policy that won’t come up empty?
A s leaders of our organizations, we often
have opportunities to make decisions that will have long
lasting effects on our stakeholders. For IIABSC, there may
have never been a more valuable decision than to initiate
the IIABSC Foundation.
In 1982, then-IIABSC president Bill Thomason of
Anderson asked a group of IIABSC past presidents to
study current issues facing the association and develop
proposals for projects and direction that would have
“lasting effects on the association and its members.” The
foundation was born from this initial group in the hope of
making a difference in the communities of South Carolina
and enhancing the public image of independent agents.
With an initial contribution of $100,000, the
Independent Insurance Agents of South Carolina
Foundation was established on April 20, 1984 with
its purposes “including but not limited to sponsoring
health, literary or educational endeavors.” The original
Foundation Board was made up of Weston Patterson of
Florence, Rupert Stalvey of Conway, Bill Thomason of
Anderson, Russell Rooney of Columbia and Ed Schachte
was a $5,000 grant for research into burn patterns and
arsonists.
arson have long been a principal activity of the foundation.
In conjunction with the South Carolina Insurance News
Service and the South Carolina Law Enforcement Division
(SLED), the Foundation funds rewards for information
leading to arrest and conviction of arsonists through the
Arson Hotline.
safety programs, Clemson University Extension Service
less Feline.”
The Foundation provides grants and support to a
number of insurance education and training programs
including scholarships for students majoring in insurance
or risk management at the University of South Carolina,
Clemson University and the College of Charleston. It also
Counselor (CIC) program and education grants to IIABSC
for special education programs throughout the year.
The Foundation relies on annual contributions from
agencies, companies and industry friends to support
ongoing efforts. There have been unique and generous gifts
over the years in support of the Foundation. In addition to
annual contributions, a donation to the Foundation is an
excellent way to memorialize fellow industry members
that have passed away or honor someone that has been
important to your insurance career.
In 2001, the Clement Marshall Family made a gift to
to agents seeking continuing professional education.
Clement Marshall, a native of Sumter, was founder of a
general agency in Charlotte. His son Tom Marshall was the
long-time regional vice present of Auto Owners Insurance
Company and is now on the faculty of UNC-Charlotte.
The Marshall Family gift has been used to help underwrite
the association’s Elite Sales Training Program.
On page 38, you can see a list of Foundation
contributors for 2008 and some of the benefactors of
Foundation grants and scholarships as well as our current
Foundation Trustees.
Thank you to everyone who has remembered the
IIABSC Foundation with a donation. And thank you to
our predecessors that had the vision and initiative to start
the Independent Insurance Agents & Brokers of South
Carolina Foundation and to our current Trustees who are
making sure that vision is carried to the future.
IIABSC Foundation was a Vision for the Future
Since we started this magazine two years ago we’veSSbeen getting lots of feedback on our ACT articles on technology.
for help, advice or guidance on computer issues. Your association
leadership has made technology education one of its top priorities
- launching the SC Agents Technology Conference last year, and
fully supporting the Get Real Time Campaign.
Technology management in your agency is an ever-changing
process, and we have tried to keep you updated through regular
articles in this magazine. Unfortunately, the magazine is only
published four times a year, which limits the amount of technology
Time and Download are constantly being updated and improved
faster than we can keep you informed.
to Use and Agency Management System” written by Angelyn
Treutel, the chairperson of the ACT committee and a speaker at
several of our conferences this past year. Technology is now a
major part of agency management. As we all tighten our belts and
businesses each day, the effective use of technology can make an
immediate impact to your bottom line. Many agencies use very
little of the functionality of their agency management systems. To
process in the agency begins and ends in the management system
of your choice. There are many resources available from the web
sites listed below to getting involved with user groups for your
management system to help you better manage your agency.
The next time that your agency is facing a technology
issue – whether for agency operations or sales and marketing
matters, I suggest you visit the National Big “I” Agents Council
for Technology web site at www.independentagent.com/acp g t or t
www.getrealtime.org ggr .g These two web sites offer a wealth of
information on topics such as:
Real Time
Download
Going Paperless
Agency Web sites & Search positioning
Sales & Marketing Technology
Agency Security/ Customer Privacy
Trends/ Strategic Future issues
Agency-Carrier Interface Communications
Improving Carrier Ease of Doing Business
Improving Agency-Carrier Technology and Agreements
Purchasing and Upgrading Systems
Disaster Planning
I also suggest that you send someone from your agency to
our upcoming SC Agents Technology Conference May 13 at the
Columbia Conference Center. The theme for this single-day event
is “Real Time is Real $$$$$.” Attendees will:
receive step-by-step tools using Real Time to free up
time to be more pro-active with customer service, sales
and marketing
get hands-on comparative rating session
attend AMS/Applied user group sessions
hear from real agencies of various sizes, how they have
implemented Real Time and what it has done for them.
Visit our web site, www.iiabsc.com, for registration
information. Hope to see you there!
Visit ACT web site for guidance on technology issues – www.independentagent.com/act.
Then send someone from your staff to our state Agents Technology conference in May.
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RATEU RA
hile we dodged some bullets last year with
Hurricane Hanna and the mild Charleston earthquake in
December, there is unfortunately no way to predict what the
future will bring. To better prepare to meet disaster assistance
needs, the charitable foundation for our national association, the
Independent Insurance Agents & Brokers of America, created
the Trusted Choice® Disaster Relief Fund last year.
The Trusted Choice® Disaster Relief Fund was established
by the IIAA Educational Foundation of the Big “I” to assist others
who have suffered losses due to natural or man-made disasters.
The foundation is a 501(c)(3) entity and all contributions are
tax deductible.
By establishing a permanent relief fund, the Big “I” will
strikes, rather than raising the funds after the fact, as we did for
9-11 and Hurricane Katrina.
This fund is a great way to show our ongoing support as an
industry for victims of disasters and to assist fellow independent
agents and industry colleagues during their greatest time of need,
along with the clients we all serve, plus take a tax deduction for
helping people.
The fund will make cash grants to those in the insurance
industry, including Big “I” members and their agency staffs,
when other funding sources (such as insurance and other grants)
be accessed and to provide insurance agents with supplies and
resources to assist with disaster relief efforts to aid victims and
surviving family members in their communities.
Because our state association’s Board of Directors
recognized that our South Carolina members will sooner
praying that it will be later rather than sooner) last year theyr
made a $5,000 contribution to the fund when the program was
Eligibility
According to the fund guidelines, those eligible for Trusted
Individuals who sustained damage or loss to their homes
directly caused by a Disaster;
Businesses in the insurance industry that sustained damage
or loss directly caused by a Disaster;
businesses in the insurance industry that sustained damage
or loss directly caused by a Disaster;
Trusted Choice®
Disaster Relief Fund –
by Jay G. Taylor, CICTrusted Choice® Chairman
Another addition to your disaster plan toolkit
W
0192
-010
9-02
Agents and policyholders alike can share in the credit for this year’s $3 milliondividend—you both helped make it possible. Because safety is one of your top priorities, it’s reflected in our bottom line. At Builders Mutual, we don’t just ask policyholders to work safely—we give them the tools to make it happen. And we appreciate our agents stressing the importance of efforts such as Fall Protection Certification, Builders University, our Risk Management CD—even on-site risk management consulting. With your help, Builders Mutual has been able to reward over $44 million in dividends to date. At a moment like this, aren’t you glad you’re with Builders Mutual?
P.O. Box 150005 Raleigh, NC 27624-0005 (800) 809-4859 | www.buildersmutual.com
DON,T THANK US,
YOU,VE EARNED IT.
Individuals in need of humanitarian aid due to losses
directly caused by a Disaster;
Surviving family members of deceased victims of the
spouse, guardian of the victim’s minor children, or in the
event none of the above family members exist, the victim’s
adult children, or in the event no adult children exist, the
victim’s parents. Surviving family members must show
proof of death and must certify that the grant will be used
for funeral expenses that have not been supported by another
grant or otherwise reimbursed.
Grants to individuals will only be made to applicants who
are citizens or legally admitted for residence in the United
States.
In all cases, grant applicants must complete the Fund
application form (can be found on Trusted Choice® web site)
and submit all requested documents in support of the application
in order to be considered for a grant from the Fund.
Use of funds
The Fund expects to make grants to help Disaster individual
victims and surviving family members, businesses unable to
to cover expenses not covered by insurance or other grants for
things such as:
health insurance);
Lost essential personal property, including items lost
eyeglasses);
Medical expenses not subject to reimbursement (including
psychological counseling expenses);
Living expenses (e.g., food, clothing);
Housing expenses (e.g., immediate rental assistance for
displaced residents, mortgage, utilities);
Transportation expenses;
Funeral and related expenses for victims who died directly
as a result of injuries sustained during a Disaster;
Other time-sensitive and unreimbursed expenses.
Grants also may be used as otherwise provided for in these
Guidelines. A recipient of a business grant may be required to
for the purpose(s) in the application.
Ineligible use of funds
The Fund will not make grants:
To cover the value of cash, art, fur, jewelry or other non-
essential items that were lost in a Disaster;
To applicants who do not meet the criteria describing
victims and surviving family members of a Disaster (in the
Eligibility Section).
The effect of lost business opportunities or a reduction in
business due to the aftermath of a Disaster.
The Foundation of course reserves the right in its sole
discretion, to reject any grant applications received, to select
the grant recipients and to determine the amounts of any grants
made. It also reserved the right to revise the guidelines at any
time. Full Trusted Choice® Disaster Relief Fund Guidelines
can be found on the Trusted Choice® web site, www.
trustedchoice.com.
To make a tax-deductible contribution, send a check payable
to the “Trusted Choice® Disaster Relief Fund” to: Attn: Lillian
Carter, Trusted Choice® Disaster Relief Fund, 127 S. Peyton St,
Alexandria, VA 22314. To make a contribution via credit card,
call Lillian Carter at 800-221-7917, extension 5372.
For additional information, contact Jenner Gohr at
[email protected] or (800) 221-7917.
Jim Flitt
COO
Give us a try...you be disappointed!1200 Woodruff Rd.
Unit G-14
Greenville, SC 29607
(800) 444-4129
(864) 675-0170
fax (864) 444-4129
www.mfic.com Handling the unusual risk...unusuallly well!
Roger Boggs
Underwriter
Randi Lynch
VP/Southern Region
This is my customer.
This is my insurance company.
Insurance products are issued and underwritten by one of Universal North America’s insurance companies: Universal North America Insurance Company or Universal Insurance Company of North America. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states.
Universal North America Insurance Company is rated A - (Excellent) by A.M. Best & Company.
UniversalNorthAmerica.com(866) 338-4262, ext. 6540
Agents are like everyone else – we just know more about
insurance. Like how to get just the right coverage for our
policyholders. With Universal North America® I give my
customers one-stop shopping with Homeowners and Auto
coverage together – and a 15% discount on both. Rock-solid
fi nancial strength, diligent claim service and exceptional
support for agents – now that’s my insurance company.
This is my
motivation.
This is my
lunch hour.
t was the beginning of spring semester and my college
days would soon be coming to a close. In four months, I would
be graduating with a Risk Management and Insurance degree
from the Terry College of Business at the University of Georgia.
With the conclusion of my college career approaching, there was
a certain and inescapable question continuously reminding me
of an uncertain future: “What the heck am I going to do for the
rest of my life?” With the council of friends over several pitchers
of beer one night, I transformed my question into a personal
proclamation: “I am going to secure a job before I graduate!”
By the next morning, after being awoken by my one-year-
old Chesapeake Bay retriever (his name is Hugo as he can be as
destructive as the hurricane), I began analyzing my approach to
procure employment. What I did not immediately realize was
that my risk management professor was providing an excellent
opportunity to assist my search.
Dr. David Sommers was teaching advanced liability
insurance and the “CPCU 552 Commercial Liability Risk
Management and Insurance” was the class textbook. Unaware of
CPCU was a premier professional designation short for Chartered
Property Casualty Underwriter. Dr. Sommers explained that the
CPCU program included eight rigorous courses ranging from
Later in the semester Dr. Sommers announced that all students
would have the opportunity to take the CPCU 552 exam upon
would improve by one letter grade.
had to work for less than top marks. Yet if I had gotten that “A” I
may not have taken the exam or pursued the CPCU designation.
work out sometimes.
By the end of the semester, I had been offered several
positions of employment. My personal proclamation to secure
employment was realized. Although I do not credit it to my
decision to embark on the CPCU designation directly, it certainly
bolstered my marketability and helped distinguish me from the
crowd of competition.
Take a moment and ask what separates you from
other agents. Why should John Doe or Company A decide to
do business with you or your agency as opposed to the other
agency in town? The answer to these questions is simple, but
implementing the answer takes time, persistence, dedication and
encouragement. Recently, the education committee for IIABSC
collectively agreed upon a new branding slogan, “Excellence
Through Education.”
Independent agents in South Carolina should strive to raise
Education Spotlight:
Education is one of the primary characteristics of a professional. SC Agent &
Broker magazine will be regularly featuring a SC insurance industry professional
who has made a commitment to better themselves through education. If you would
like to contribute or recommend someone to spotlight, please contact Becky
by Garrett Wreden, CPCU, AIPKinghorn Insurance Agency of Beaufort
I
The
ThroughPursuit of Excellence
Education
the level of professionalism
in our industry. The single
best way to accomplish
this undertaking is to honor
the client by providing
expertise that can only be
earned with experience
and education. Experience
will come in time, but
education can begin today.
In January 2008, I
earned the AIP (Associate
in Insurance Production)
designation. The AIP
course (a.k.a. Elite Sales
School) is designed to
guide and advise new
producers in their own
individual sales style.
Students in this course will
have the opportunity to
meet and learn from many
of the most successful agents and agency principals in
South Carolina. Sales goals are set and measured each
quarter and then analyzed for areas of improvement.
In April 2008, almost three years after that 552
awarded a diploma the following month. The CPCU
program is a tough course that requires discipline and
commitment. It may take several years to complete but
it is well worth it. The broad knowledge gained from the CPCU
program can be applied immediately no matter if your position
involves sales, customer service or management.
Lacking practical experience, I have worked hard to earn
the trust of clients and respect from peers through education.
completing these programs was wonderful. In the near future, I
will begin working on my next educational commitment. Whether
it will be CIC, ARM, AAI, CRM or CLU has yet to
be determined, but I understand that continuing my
education will better serve my clients and employer.
2009 will continue to be a challenging year as
our economy struggles to recuperate. It is imperative
to explain to clients why insurance is needed more
than ever. Do this by honoring clients and distinguish
yourself by dedicating a personal commitment to
education. Support the insurance industry by increasing
the level of professionalism through education.
Whether pursuing a professional designation or
signing up for additional continuing education classes,
the pursuit of excellence through education should
never end. My father once told me that “people can
take a lot of things from you but they can never take
away your education.”
The opportunity is yours.
Garrett Wreden, CPCU, AIP, dances with his
wife, Caroline Wreden, at the dinner cruise
during our 2007 Young Agents Conference in
Charleston.
Spotlight on
Anna T. Bailey, CIC, CISR John T Cook & Associates
My insurance career began almost seven
years ago like many others - by chance.
After my son was born I decided I wanted
to go back to work, and an “of ce job”
was the best t for our growing family.
When I went to my interview and met
Bonnie Cook for the rst time she told me
about the agency and their clients. I told
her I had no insurance experience, and
her response was “Sometimes that’s best.
We can teach you our way.” She said I
could learn as much as I wanted to, and
that insurance was a different business,
you either love it or you hate it. I am very
happy to say I have loved it from the start.
I started working as the receptionist
and learning the HO-6 business. I was
intimidated at rst because everyone in
the of ce seemed to know this secret
language I didn’t understand yet. Conver-
sations were about “coverages” and “lim-
its,” “agents” and “brokers,” “admitted”
and “excess,” “workers comp,” “liability”
and “certi cates of insurance.”
I told Ben, my husband, I didn’t
understand what they were talking about
sometimes, but I was going to nd out. I
started learning
about coverages,
condo associa-
tions and master
deeds. After a
couple months, I
asked Bonnie to
give me more. So
next was hom-
eowner’s insur-
ance, personal auto and
even of ce accounting.
A couple months later a
position came open as
a personal lines CSR.
Bonnie asked me if I
was interested and I, of
course, said yes.
In April of 2003 I went to Charleston
for licensing school thinking I had been
pretty good in school so it should be no
problem. After the rst hour I realized I
could be in a little trouble. By lunch, I
realized I could be in a LOT of trouble.
I called Ben that night and told him I
was going to fail, but I made it through
the week (barely) and took the test on
Friday. After saying my last prayer I hit
the button to review my results, and to my
astonishment I’d passed.
I was given my own clients and book
of business. I wrote several new policies
the rst couple weeks and was feel-
ing pretty good about myself. Then the
notices started coming from the compa-
nies detailing my mistakes. I learned very
quickly it wasn’t the number of policies
I was writing, but the quality. Again, I
asked Bonnie to educate me.
Four months after getting licensed
I took my rst CISR class on insuring
personal auto exposures. I already knew
how to read a policy, but this class re-
ally broke it down and gave me a better
understanding of the coverages. I started
looking forward to my other classes. I
nally completed this designation after
nine months. It has really helped me have
a better understanding of coverages, how
to really read a policy and how to advise
my clients on what they need. I encour-
age everyone to try for this designation.
It helps you become a better agent while
you ll your CE licensing requirements.
Meanwhile, I was given another great
opportunity by Tommy and Bonnie as the
Personal Lines Supervisor and Bookkeep-
er. I began to learn all that is involved in
Anna Bailey (third from
right) of John T. Cook &
Associates hangs out with
fellow attendees before din-
ner at the 2008 Young Agents
Conference at Daufuskie
Island. ( George Rosen
of Johnson & Johnson, Will
and Heather Bowers of Rus-
sell Massey & Co., Tammy
Blount-Wright of John T.
Cook & Associates and Nick
Theodore of Johnson &
Johnson.
“When the time came to take the test, I was convinced I knew nothing about
personal lines and probably shouldn’t be in the insurance business.”
JACKSON SUMNER & ASSOCIATESExcess & Specialty Lines Broker
Property & Casualty Professional Transportation Personal Lines
PHONE QUOTES
Experience the JSA
CALL 800-342-5572
Spotlight on Young Agents - cont.
agency business - meeting with company
reps, learning about premium goals, con-
tingency agreements, company contracts,
underwriting authorities, nancial state-
ments and human resources. It was great
to learn so much, but I also didn’t want to
lose touch with the insurance parts, so I
kept a book of business.
I started my CIC classes almost im-
mediately after getting my CISR. My
rst class was personal lines. Since I had
been working in personal lines for almost
two years I thought it would be easy.
Again, by lunch I had realized that I
didn’t know nearly as much as I thought
I did. At the end of my rst day when it
was explained how the exam was set up
in 20 essay questions, the panic set in. I
went to my hotel room and reread every-
thing we had gone through that day, but I
was still nervous the next morning, and it
hadn’t lessened by the end of day two. I
stayed in my room studying, making note
cards and hoping for the best.
When the time came to take the test,
I was convinced I knew nothing about
personal lines and probably shouldn’t be
in the insurance business. I didn’t get my
results until the week before I was going
to take my second CIC class, but I was
so excited and encouraged by reading the
“Congratulations!” I nally received my
CIC designation in February of 2005.
My next big change was in Spring
2007 when I started working in commer-
cial lines. I had already been promoted to
Of ce Manager a few months earlier. At
this point I knew just enough about com-
mercial lines to be dangerous. I didn’t
think I wanted to make the jump, but I’m
honestly glad that I did.
But before that Bonnie and Tommy
encouraged me to get involved with the
IIABSC Young Agents. It has been a lot
of fun, but there are so many bene ts as
well. I started building relationships with
company reps as well as other agents
from across the state. The CE sessions
are always interesting while teaching
about topics that directly affect us like
ethics, technology, sales or marketing.
Last year I was asked to serve on our
Young Agents Committee.
I encourage our principals to support
the young agents in their agencies. I un-
derstand the economic stress the market
has caused; however, we have to invest
in the future of our business through our
young agents. In addition to giving them
knowledge to better serve clients you will
also give them the opportunity to network
and form helpful relationships with other
young agents and company reps.
The Young Agent Conference for
2009 is going to be in Myrtle Beach at
the Grand Dunes Marina Inn July 30th –
August 2nd. Our theme is “Changes is
Latitudes - Changes in Attitudes” and the
focus will be on how Young Agents can
help shape the future of our industry.
I encourage all our young agents in
the business to talk to your principals
about getting involved. We are the future
of the insurance industry; what we learn
and the relationships we form now will
carry us through our entire careers.
I never knew that one day in October
2002 could change my life so much. I am
serving on the Young Agents Commit-
tee, the Convention Committee and will
become an of cer on the IIA of Horry and
Georgetown counties. I couldn’t have ac-
complished so much without the encour-
agement of Tommy and Bonnie Cook and
the staff of John T. Cook & Associates.
Nothing would be possible without the
love and support of my family: Ben, Livi
and Spencer. Thank you for your love
and encouragement over the years!
Young Agent Committee member Anna
T. Bailey, CIC, CISR has enjoyed her-
self over the years at South Carolina
Big “I” events, whether she is
participating
in team building events at the Young
Agents Conference, preparing to go
on a WaveRunner Safari at the Young
Agents Conference or laughing with
her boss and former IIABSC President
Tommy Cook at the keynote speaker of
the IIABSC Annual Convention.
If you know a Young Agent who deserves to appear in a future edition of this column, please send an email to Anita Trevino at
3000 West Cypress Creek Road . Fort Lauderdale, FL 33309-1710 . 1.800.275.2800 . www.aequicap.com
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ndustry statistics reveal that 90% of agencies
use an agency management system. Whether your agency
has only one staff person or several branches, an agency
able to attain by using an agency management system
10) Centralizes your Customer Files
9) Improves E&O documentation
8) Extensive Reporting Capability
7) Download of policy information and automated invoicing
into your agency management system without the need for re-
keying. Transactions can be automatically invoiced into your
system without the need for handling policy dec pages. Direct
bill commission statements can be downloaded to automate the
allocation of commissions to particular producers. Commercial
lines download has been much improved in recent years giving
6) Claims tracking capability
5) Financial reporting
4) Integration with 3rd party applications
3) Enhanced ability to cross sell and re-market
IToday’s agency management system is the central hub for an independent agency’s information
users to make sure they are taking full advantage of their system’s major capabilities.
by Angelyn S Treutel, CPA
ACT Chair
Top 10 Reasons to Use an AgencyManagement System
– is your agency taking?
information, which can be used to obtain
quotes, move a book of business, identify
opportunities for cross-selling and other
sales opportunities.
2)
professionalism
more professional service when your staff
is able to devote more time to service and
not having to deal with unorganized pieces
of paper.
1) Real Time makes your life easier!!
Using Real Time from your agency
management system eliminates the need
to remember separate logon IDs and
passwords for each carrier. With the click
of a button in your agency management
system, information is transferred from
your agency system to the carrier’s system
without the need to re-enter information
for quoting, inquiry and endorsements.
Real Time represents the next major
i
Making your
life easier.
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P: (800) 317-9402 *Option 8
Advantages: Contact:
1. Military caregiver leave.
2. “Qualifying exigency” leave will
arrive.
3. Breaks in service might not end
FMLA entitlement.
5. Employer notice required for
6. Employers’ notice obligations
increased even more.
Top 10 ThingsEmployers Need To Know
FMLA Regulations
A
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7. Penalty provision overhauled.
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Commercial Lines:�Claims Adjusters
�Commercial Auto
�Commercial Builders’ Risk
�Commercial Package (150 subclasses)
�Commercial Umbrella Policy
�Community Banks Business Insurance Program
�Contractors’ Equipment
�Contractors’ Liability
�Employers‘ Practices Liability
�Event Liability
�Executive Liability (Wrap+)
�Financial Advisors’ E&O
�Flood Insurance
�Flood Insurance - Excess
�Habitational Markets (NEW!)
�Apartments
�Condo and Homeowner Associations
�Miscellaneous Professional Liability
�Non-Profit D&O Liability
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�Real Estate E&O
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Personal Lines:�Affluent Package Program
�At-Home Business
�Flood Insurance
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�Non-standard Homeowners (NEW!)
�Affluent Non-standard Homeowners
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Online RegistrationWe’ve made it easier than ever to Plug into the Power of Big “I” Markets! Register online today and discover a fresh new way to do business. All products are only accessible online and coverage is subject to licensing compliance and underwriting approval. To register online you will need your login ID and password, your agency tax ID number, your agency E&O policy, and your state agency/agent license information (where applicable). Log on to www.bigimarkets.com today to begin the registration process and be quoting in minutes!
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10. FMLA rights can be waived.
What should your business do in
response?
Earthquake CoverageEarthquake Coverage
n Aug. 29, 2005, Hurricane Katrina made landfall
in the Gulf Coast region of the United States. After the wind
abated and the water receded, this natural disaster had displaced
thousands of residents and caused approximately $50 to $60
billion in property damage. Unfortunately, many property owners
in the area had either inadequate or no insurance coverage at the
lawsuits against insurance agents and insurers across the Gulf
While basic homeowners, condo and rental insurance
policies do not cover damages caused by an earthquake,
earthquake coverage can be purchased as an endorsement or as
a separate stand-alone policy. Generally, earthquake insurance
pays the policyholder when an earthquake causes damage to
the insured property. Geographical areas are typically graded
a property inspection before agreeing to issue a policy. Many
i i h b b l d d i f d i
by Crystal Ivy, Asst. VP,Claims & Liability Management, Swiss ReRR
Avoid E&O Pitfalls in
O
Earthquake CoverageEarthquake CoverageEarthquake CoEarthquake CoverageEarthquake CoverageEarthquake Coveragearthquake Coveragequake Coverage
Big “I” members whose agency E&O
insurance is written by Swiss Re through
the Big “I” Professional Liability Program
have access to an exclusive risk
management web site.
Log on today to fish for E&O claims
frequency data, real-life case studies and
analysis, sample client letters, sample
agency procedures, agency E&O self
assessments, podcasts on important
E&O topics, and much more.
DON’T GET BITTENBY AN E&O CLAIM YOU COULD HAVE AVOIDED.
Failing to procure coverage requested by the client
Not adequately identifying client exposures
Failing to provide timely notice of a claim to the carrier
Misrepresenting or not explaining policy provisions
Providing inaccurate information to carriers
Failing to properly add additional insureds or loss payees
DON’T BE ON THE HOOK FOR:
www.independentagent.com/EOHappens
Big “I” Risk Management Website
action may ultimately be resolved based on
how a court and/or jury perceive the agent’s
credibility against the customer’s. In this regard,
defending a lawsuit.
Many insurers recommend that the
minimum level of earthquake insurance coverage
of rebuilding the insured building and replacing
damaged contents. As such, the amount of
coverage should be based upon replacement
and reconstruction costs, instead of the market
value of the property and contents. At minimum,
agents should send a cover letter with each
renewal requesting that the client review the
limits and notify the agency about any changes
required to insure the full replacement cost of
the structure(s). Agents who provide valuation
assistance to their clients should review the
amount of earthquake coverage limit at each
renewal for any changes in replacement value
and document these reviews in the agency’s
correspondence of these reviews to the client.
Such documentation will and has played a
major role in the defense of suits brought against
agents involving allegations that the earthquake
coverage limits selected were inadequate to
replace the insured building.
While many clients may not be located in
areas prone to an earthquake, some may have
located in higher risk areas, such as California
and the Gulf Coast. These customers face a
event that an earthquake interrupts operations in
the high-risk areas. Accordingly, these clients
may require additional insurance coverages,
like business interruption coverage, to address
this type of secondary exposure. Evaluate the
commercial client’s in-state and out-of-state
operations and critical business relationships
in order to fully evaluate the client’s insurance
needs. Make sure any business interruption
coverage applies to interruptions caused by
natural disaster-related disruptions to any of the
client’s critical suppliers, whether the remote
site is owned by the client or merely a vendor.
Earthquake Insurance FactsProvided by the SC Insurance News Service
Most people don’t buy earthquake insurance because they
think it’s too expensive and an earthquake will never happen to
them. In South Carolina, the entire state is considered to have
a moderate to high risk for earthquakes; no area is immune.
While the frequency of earthquakes in South Carolina is low, the
potential for a severe quake is high.
Most homeowner and rental insurance policies DO NOT cover
damages caused by an earthquake, but coverage can be added to
most policies as an “endorsement” for an additional cost.
Earthquake deductibles are set as percentages, i.e. 5% or 10%
The earthquake deductibles apply separately from your basic
homeowner’s (and business) policy deductible.
Following a damaging earthquake, South Carolinians could face
loss of life, injury and property damage. Without earthquake
insurance, all those property losses would be uncovered.
The earthquake of 1886 in Charleston registered 7.6 on the
Richter scale and was felt from Cuba to New York and from
Bermuda to the Mississippi. Approximately 110 persons lost their
lives. Damage estimates in 1886 dollars were about $5.5 million.
Ninety percent of the brick structures around Charleston were
damaged. (Earthquake Education Center, Charleston Southern
University)
An earthquake of the same magnitude as the 1886 earthquake
would cost close to $40 billion in today’s dollars (according to
Applied Insurance Research).
About 70% of earthquakes in South Carolina are located in
clusters around three areas: (1) Ravenel-Adams Run-Hollywood,
(2) Middleton Place-Summerville, and (3) Bowman. These are
not, however, the only places that earthquakes occur in South
Carolina. Earthquakes have occurred in the Lake Jocassee area,
Charleston/Summerville and near the Monticello Reservoir
area in the past year. Other locations in the state with low level
earthquakes in the last ten years are near Bowman, Neeses,
Aiken, McCormick, Greenwood, Liberty Hill and the Savannah
River Site. (Earthquake Education Center, Charleston Southern((
University and University of South Carolina, South Carolina
Seismic Network)kk
Preparing for the
unexpected is one aspect of
running a business that often
gets overlooked.
After Katrina, some
agencies were left with boxes of
unrecoverable documents that
The goal of any emergency
plan is to assure the business
can get back up and running
with full access to all critical
data and systems as soon as
possible. An emergency plan
should:
Expect the Unexpected
Southern Cross
Underwriters
Many consumers are not aware that homeowners and business packages do not include flood insurance. That’s why it’s essential for agents to “think flood”–which means educating your clients about the need for flood insurance and offering them coverage.
Are you offering flood coverage to your clients? If you offered flood building coverage, what about contents? Have you checked your market area to see if in a NFIP participating community? Have you offered the Preferred Risk policy to clients in the B, C & X zones? (30% of the flood losses occur in these flood zone areas.)Have you offered flood coverage to property owners as well as tenants/renters? Are you aware of the NEW Flood Manual effective 5/1/05 and subsequent revisions?
The Big “I” Flood Program can help you with answers to all the questions above and more. For more information, contact Big “I” Flood Program Manager Linda Mackey at [email protected] or (800) 221-7917.
www.independentagent.com/Flood
Unexpected high waters can
cost you more than you think!Warning:
BIGIFLOOD
PROGRAM
BIGIMARKETS
Agent Technology Conference
Visit www.iiabsc.com for registration info
Independent Insurance Agents & Brokers of SC
Implementing Real Time frees up time for your agents and CSRs to work with existing clients in positive ways that translate into increased retention -
investing time in staff trainingreviewing overlooked accountscollecting relevant data for cross-selling; customers see anticipation of their needsresearching company products listings for new programs, enhanced endorsements, marketing collateral to improve competitive postion of your agency
See page 8 for agenda details
... come and learn howReal Time is Real
$$$$$$$$
2009 IIABSC Annual Convention
Grove Park Inn, Asheville, NC
IIABSC Foundation:Quietly promoting Insurance education and awareness for 25 years
MemorialsA special form of contribution to the Foundation can be memorials that paytribute to our former colleagues in insurance. Memorial donations may be made at any time and the families of those memorialized will be notifi ed.
Eva Dabbs Anderson Memorial(Mrs. Julius J. Anderson, Sr.)Cormell Street & PattersonJohn T. Cook & AssociatesFrank Sheppard
Mr. & Mrs. George Johnson, Sr. MemorialGeorge Johnson Insurance
Avrid Lesemann MemorialLesemann Insurance Agency
Frank Thompson MemorialIIA of Greater CharlestonSteve & Jeanette Bloss
Accident Insurance Company, IncAMGRO, Inc. AmRisc, LPAmTrust North AmericaBancInsure IncBatesburg Ins Agency IncBB&T/ Carswell Ins ServicesBituminous Casualty Corp Blue Cross Blue Shield of SCBoney Insurance Offi ce LLCBuilders Insurance GroupBuilders Mutual Insurance CoCAGC Insurance CompanyCapitol Preferred Insurance CompanyCapstone Insurance Services LLC Companion Property & Casualty GroupContinental Special RisksJohn T. Cook & Assocs, JohnDillon Insurance Agency IncDovetail InsuranceFidelity National Property & Casualty Ins. Co.
First South Ins Agency IncFirst Southeast Ins ServicesFirstCompFrontline Homeowners InsuranceGeneral Casualty Ins. Co.Genesee GeneralGMAC InsuranceGresham & Associates GuideOne InsuranceHanover Excess & Surplus IncIIABSC Agency IncInfi nity InsuranceIrmo Ins Agency IncJohnson & JohnsonJones Co, FredLesemann Ins AgencyLow Country Insurance Services IncMain Street America GroupMarket Finders Ins CorpW M Means Co InsMontgomery Insurance CompanyNational Security Fire & Cas Co
Frank B. Norris & CoPeoples Underwriters IncProgressive InsuranceRiley and Associates IncSafeco Insurance CoSmith Agency, Howard BSouthern Cross UnderwritersStone Ins Agency IncStrategic CompSummit InsuranceSunshine State Insurance CoUniversal North AmericaUniversal Ins Co./ The Seibels Bruce GrpUpchurch & Jowers Ins AgencyUS Ins Services IncVista Insurance GroupWachovia Insurance ServicesJ B Watts Company Inc
Our Purpose
The IIABSC foundation was estab-lished in 1984 as a special means of providing support for any such programs helping to create a public image that will serve the insurance industry and have lasting eff ects on the association and its members.
Grants
Arson Informant Awards
Scholarships to students pursuing insurance degrees
Continuing EducationScholarships for members
CIC Institute Scholarships
Scholarships for Young Agentsto attend national legislativeconference
TrusteesHerbert C. Adams. LaurensJohn T. Cook CIC, Myrtle BeachRobert E. Livingston, W. ColumbiaCharles Midgley, Sr., BennettsvilleWilliam Thomas, Hilton Head Island
ContributeThe IIABSC Foundation welcome contributions from all those affi li-atied with the insurance industry. To make a contribution or memorial send them to address below. Con-tributions can also be made online using dues renewal tool.
IIABSC Foundation, PO Box 210008, Columbia, SC 29221 - 803.731.9460
Platinum LevelJon Jensen Correll Insurance Group
Centennial LevelJules Anderson Anderson Insurance AssocsAshley Brady First Charter CompanyJohn Braddy Braddy Insurance, IncJohn Cook John T. Cook & AssociatesKen Finch Countybanc Insurance, Inc.Kathy McKay McKay Stelling & AssocsCharles Paul Midgley Midgley Agency, Inc.R Scott Moseley Irmo Insurance Agency IncRussell Parker Riley & Associates, IncDrew Theodore Theodore & AssociatesChris Tidwell Tidwell Agency, IncRoss Turner Turner Agency, Inc
Gold LevelFaye Bradham Bradham Insurance AgencyPeter Burrous Johnson & Johnson, Mgrs.Gary Cornell Prime Rate Prem. Finance William Eaddy Adams Eaddy & Associates James Galloway Peoples First Insurance Wayne Gosnell Gosnell Insurance & AssocsDana Groome Peoples Underwriters, IncMichael Hogan Puckett Scheetz & HoganHarry Johnson II Johnson & Johnson, Mgrs., CMGAJack Puckett Capstone Insurance SrvcsJames Rowe Kinghorn Insurance SrvcsFrank Sheppard Ind Ins Agts & Brokers SCJames Taylor Kinghorn Ins. Agcy/Beauf.Charles Webb Kinghorn Ins. Agcy/ Beauf.
Pioneer ClubHarold Adams Adams Eaddy & AssocsKenneth Byars R. Carl Byars Agency, Inc.Mike Carriker Waccamaw Insurance ServicesCooper Carter Pinckney-Carter CompanyBen Correll Correll Insurance GroupDavid Cyphers Sifford Stine Ins. Agency Scott Derrick Derrick Insurance Agency Charles Dorton Russell-Massey & Co.Paul Durban Durban-Laird’sLee Ellis Ellis Realty & Ins. AgencyRichard Hutson W. M. Means Co. Insurance Larry Joyner CWS Insurance AgencyTheodore Mappus Mappus Ins Agcy Inc Becky McCormack Ind Ins Agts & Brokers SCRobert McLellan, Jr. Byrd McLellan AgencyRudy Painter Countybank Insurance, Inc John Paul Anderson Ins. AssociatesGloria Spivey Howard B. Smith Agency William Thomas BB&T/ Carswell Ins. SrvcsWilliam Thomason Citizens Insurance AgencyJohn Vann BB&T/ Carswell Ins. SrvcsDaniel Walker Palmetto Insurance Richard Walker Cormell Streett & Patterson
Founders LevelAnna Bailey John T. Cook & AssociatesVictor Bates Correll Insurance GroupLeighton Besse C. T. Lowndes & CompanyJames Boost Johnson & Johnson, Mgrs.William Braddy Braddy Insurance, IncRuth Brady First Charter Co IncSteve Cannon Law Insurance AgencyBeth Chastie Ind Ins Agts & Brokers SCPam Day Correll Insurance GroupKen Edwards Correll Insurance GroupMark Felk Brown & Brown of SCKimberly Gore Assoc. Insurors/ First SE Ins.Melody Herring Russell-Massey & CompanyRob Hammett CWS Insurance Agency Harry Lovelace Correll Insurance GroupFelix McLellan Dillon Insurance AgencyCharles Orr Correll Insurance GroupLynn Owens Aiken & Company Isaac Shaffer Palmetto Ins Assoc of GreenwoodEdward Spivey Howard B. Smith AgencyVance Stine Sifford Stine InsuranceTommy Suggs Keenan & SuggsNate Toms CWS Insurance Agency
Rae Whisenant CWS Insurance AgencyStephen Williams CWS Insurance AgencyArthur Yex CWS Insurance Agency
General ContributorsDebra Adams Correll Insurance GroupGeoff Amidon Travelers InsuranceChristine Baker Adams Eaddy & AssociatesCarol Ballenger Correll Insurance GroupGina Bloomer Correll Insurance GroupJeanette Bloss Ind Ins Agts & Brokers SCWilliam Bowers Russell-Massey & Co.Barbie Bradham Bradham Insurance AgencyBob Briante Montgomery Insurance CoAnn Bridges Correll Insurance GroupTammy Brookshire Countybanc Insurance, IncDavid Brown Countybanc Insurance, IncConnie Bullard Braddy Insurance, Inc Lynne Burnett Correll Insurance GroupDebra Carter Countybanc Insurance, IncJana Carter Correll Insurance GroupKelley Cash Correll Insurance GroupBarbara Causey Braddy Insurance, Inc Mildred Chavis Countybanc Insurance, IncPaul Clark Adams Eaddy & AssociatesLevi Crawford Anderson Insurance AssocsJames Coleman The United Agency Melanie Darley Countybanc Insurance, IncDebbie Davis Turner Agency, Inc. Jennifer Davis Braddy Insurance, IncMatt Dickard Correll Insurance GroupAlex Dickson Adams Eaddy & AssocsMichael DiMaina Assoc. Insurors/ First SE Ins.Glenda Dixon Countybanc Insurance, Inc Ginger Douglas Adams Eaddy & AssociatesMichael Douglas Turner Agency, Inc.R.T. Dunlap Countybanc Insurance, IncRyan Eaddy Adams Eaddy & AssocsBrian Eanes Anderson Insurance Assocs.Susan Edenfield Anderson Insurance Assocs.J Elliott Correll Insurance GroupKirsten Emery Correll Insurance GroupDeanna Ermson Correll Insurance GroupKelly Erwin Bird Ins AgencyHaley Everett Jackson, Sumner & Assocs.Rhonda Fallaw Adams Eaddy & AssocsMelissa Federico Correll Insurance GroupPhyllis Foster Turner Agency, Inc. Ann Fowler Correll Insurance GroupJames Fowler Countybanc Insurance, Inc Will Fowles Adams Eaddy & AssocsJan Garrett The United AgencyRhonda Garrett Countybanc Insurance, Inc Tom Glaz Adams Eaddy & AssocsHelen Graham Bradham Insurance AgencyTeresa Graham Bradham Insurance Agency Timothy Graves Southern Insurance UnderwritersGeorge Hagood Hagood Insurance AgencyRene Halliday Correll Insurance GroupWill Hamer Frank L. Siau Agency, Inc. Beaver Hardy Adams Eaddy & AssociatesLinda Harnage Turner Agency, Inc.Kia Harvey Countybank Insurance, InWilliam Hixon Hixon Insurance AgencyEric Holcombe Irmo Insurance Agency Inc Charlotte Home Correll Insurance GroupAngie Horton Correll Insurance GroupAmy Huellmantel Countybank Insurance, Inc Irene Huggins Braddy Insurance, IncJoyce Hyder Landrum Insurance AgencyMarla Jackson Adams Eaddy & AssocsCarrie Johnson Carrie Johnson Agency, Inc. Scott Johnson Palmetto Ins. & Fin. SrvcsBarbara Kennedy Bradham Insurance AgencySara Jo Kent Adams Eaddy & AssocsBrooks Keys Palmetto Ins Assocs-Belton DuPre Keys Palmetto Ins Assocs-Belton Marshall Keys Palmetto Insurance Michele Kimbrell First Charter CompanyBridgette King Adams Eaddy & AssocsDanielle Lambert Braddy Insurance, Inc Anthea Maffett Irmo Insurance Agency Inc
Mary Mahoney Irmo Insurance Agency IncJohn McClintock The United AgencyMyra McClure Correll Insurance GroupCharlotte Messel Correll Insurance GroupDebbie Miller Irmo Insurance Agency Inc Lisa Morgan Adams Eaddy & AssociatesLoni Morelock Correll Insurance GroupSusan Morich John T. Cook & AssociatesLisa Moseley Irmo Insurance Agency Inc Janet Mullins Adams Eaddy & AssocsBenjamin Myers Russell-Massey & Co.Andy Nason Adams Eaddy & AssociatesJudy Nelson John T. Cook & AssocsTeri Newmark Correll Insurance GroupSteve Ochocinsky Adams Eaddy & AssocsEleanor Oswald Anderson Insurance AssocsMarilyn Pack Landrum Insurance AgencyLori Painter Landrum Insurance AgencyPark Ashley Adams Eaddy & AssociatesBonita Rabon Adams Eaddy & AssocsBetsy Renken Anderson Insurance AssocsRebecca Rotureau Adams Eaddy & AssocsKeri Rowland Correll Insurance GroupShelley Schommer First Charter CompanyGeorge Schwab Correll Insurance GroupBill Silcox C. T. Lowndes & CompanyKaren Smith The United AgencyKatrina Smith Correll Insurance AgencySusan Smith Adams Eaddy & AssocsBrenda Snyder Countybanc InsuranceLinda Sorrow Correll Insurance GroupAlan Spachman Belmont Insurance ServicesRandy Stec Countybank Insurance, Inc Paul Stewart Adams Eaddy & AssocsKay Summerlin Braddy Insurance, Inc Jeanette Swails Correll Insurance GroupGinny Taylor Anderson Ins Assocs/PawleysRobbie Templeton Countybanc Insurance, IncLinda Thompson Countybanc Insurance, IncMarjorie Toms Adams Eaddy & AsssocsRW Waddell Frank L. Siau Agency, Inc.Dede Wade Turner Agency, Inc. Bob Walker Landrum InsuranceJoye Wall Anderson Insurance Assocs.Lori Watkins Correll Insurance GroupJB Watts J B Watts Co Inc Gerry Werhan Berkley Mid-Atlantic GrpKaren White The United AgencyBecky Williams Adams Eaddy & AssocsLaura Williams Adams Eaddy & AssocsCourtney Young Adams Eaddy & AssocsTeresa Yount Bradham Insurance Agency
For information on InsurPACContact Scott Moseley, 803.781.4700
2008 InsurPAC Contributors
800-334-5579www.gotapco.com
The TAPCO Service Pledge
1,000 Strong More than 1,000 classes of P&C business
written under binding authority.
Call. Quote. Bind.
Personal Lines, Vacant andBuilder’s Risk coverage
in a five-minute phone call
What’smore personalthan your home address?
S E C U R I T Y
April22-24 CIC Ruble Graduate seminars, Myrtle Beach, 20 hrs CE
27 Young Agents Scholarship Golf Tournament
29 E&O Risk Management, Columbia, 8 hrs P&C or L&H
29-30 Big “I” National Legislative Conference & Convention, Washington D.C.
30 CISR Personal Residential Property, Greenville, 7 hrs P&C
May5 Personal Lines Problems & Pitfalls, Columbia, 6 hrs P&C
6-8 Commercial Lines Nuts & Bolts, Columbia, 6 hrs P&C
13 Agents Technology Conference, Columbia
27 CISR Personal Residential Property, Columbia, 7 hrs P&C
28 Surplus Lines Markets & Practices in SC, Columbia, 6 hrs P&C
June4 CISR Commercial Property, Charleston, 7 hrs P&C
10 E&O Risk Management, Greenville, 8 hrs P&C or L&H
11 CISR Commercial Casualty, Greenville, 7 hrs P&C
17 CISR Agency Operations, Columbia, 6 hrs P&C or L&H, 1 hr Ethics
24-26 CIC Commercial Casualty, Charleston, 20 hrs CE
30 Trusted Choice Big “I” National Championship State Qualifier,
Day 1 Orangeburg
July1 Trusted Choice Big “I” National Championship State Qualifier,
Day 2 Orangeburg
14 CISR Commercial Property, Florence, 7 hrs P&C
14 CISR Personal Auto, Rock Hill, 7 hrs P&C
15 CISR Personal Residential Property, Bluffton/ HHI, 7 hrs P&C
16 Surplus Lines Markets & Practices in SC, Bluffton/ HHI, 6 hrs P&C
22 Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics
23 AAI 83A, Columbia, 7 hrs P&C or L&H
28 Patrick Deem Roadshow, Columbia
29 Patrick Deem Roadshow, Charleston
30 Patrick Deem Roadshow, TBD
30-31 Young Agents Conference (Day 1&2), Myrtle Beach
August1 Young Agents Conference (Day 3), Myrtle Beach
5 CISR Dynamics of Service, Charleston, 8 hrs P&C or L&H
6 CISR Agency Operations, Greenville, 6 hrs P&C or L&H, 1 hr Ethics
12 CISR Personal Auto, Columbia, 7 hrs P&C
13 E&O Risk Management, Myrtle Beach, 8 hrs P&C or L&H
26-28 CIC Personal Lines, Columbia, 20 hrs P&C
September2 CISR Dynamics of Service, Myrtle Beach, 8 hrs P&C or L&H
3 AAI 83B, Columbia, 7 hrs P&C or L&H
15 CISR William T. Hold seminar, Columbia, 8 hrs P&C or L&H
16 E&O Risk Management, Bluffton/ HHI, 8 hrs P&C or L&H
17 Surplus Lines Markets & Practices in SC, Myrtle Beach, 6 hrs P&C
22 CISR Commercial Property, Rock Hill, 7 hrs P&C
23 Ethical & Legal Consideration for Agents, Rock Hill, 3 hrs Ethics
23 Ethical & Legal Consideration for Agents, Myrtle Beach,
3 hrs Ethics
23 Ethical & Legal Consideration for Agents, Bluffton/ HHI, 3 hrs Ethics
30 CIC Commercial Casualty (Day 1), Myrtle Beach
October1-2 CIC Commercial Casualty (Days 2&3), Myrtle Beach, 20 hrs CE
4-6 IIABSC Annual Convention, Asheville, NC
13 CISR Commercial Casualty, Columbia, 7 hrs P&C
15 AAI 83C, Columbia, 7 hrs P&C or L&H
15 CISR Personal Residential Property, Charleston, 7 hrs P&C
21 CISR Agency Operations, Bluffton/ HHI, 6 hrs P&C or L&H,
1 hr Ethics
21 E&O Risk Management, Columbia, 8 hrs P&C or L&H
November4 Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics
5 Surplus Lines Markets & Practices in SC, Columbia, 6 hrs P&C
5 CISR Commercial Casualty, Myrtle Beach, 7 hrs P&C
11 CISR Commercial Property, Columbia, 7 hrs P&C
11-13 CIC Life & Health, Hilton Head, 20 hrs L&H
17 CISR Personal Auto, Greenville, 7 hrs P&C
December8 Terry Tadlock Road Show, HHI/Bluffton, 6 hrs P&C
9 Terry Tadlock Road Show, Charleston, 6 hrs P&C
10 Terry Tadlock Road Show, Columbia, 6 hrs P&C
11 Terry Tadlock Road Show, Greenville, 6 hrs P&C
15 CISR Agency Operations, Charleston, 6 hrs P&C or L&H,
1 hr Ethics
16 CISR Personal Residential Property, Columbia, 7 hrs P&C
Register online at www.iiabsc.com
Calendar
800-747-5348 | WWW.HAGERTYAGENT.COM
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2009 Board of Directors
Faye R. Bradham, LUTCF (Faye)
Bradham Insurance Agency
Conway, SC
W. Paul Eaddy, Jr (Paul)
Adams Eaddy & Associates
Columbia, SC
Kenneth A. Finch, CPCU CIC CRM AAI (Ken)
Countybanc Insurance Inc
Greenwood, SC
Larry G. Joyner, CIC, AAI
CWS Insurance Agency
Spartanburg, SC
Charles Paul Midgley, Jr. (Charles Paul)
Midgley Agency, Inc.
Bennettsville, SC
R. Scott Moseley (Scott)
Irmo Insurance Agency
Irmo, SC
Jasper D. Puckett, CPCU CRM CIC ARM AAI (Jack)
Capstone Insurance Services LLC
Greenville, SC
James G. Taylor, Jr., CIC (Jay)
Kinghorn Insurance Agency of Beaufort
Beaufort, SC
Christopher T. Tidwell, CPCU, CIC (Chris)
Tidwell Agency, Inc.
Lexington, SC
Chairman
Julius J Anderson, Jr, AAI (Jules)
Anderson Ins Assocs LLC
Charleston, SC
Chairman Elect/Treasurer
Kathy D McKay, CIC CPIW (Kathy)
McKay, Stelling & Assocs
Mt Pleasant, SC
Secretary
W. Ashley Brady, CIC (Ashley)
First Charter Co., Inc.
Marion, SC
National Director
John R Braddy, CIC, AAI (John)
Braddy Insurance, Inc.
Dillon, SC
Immediate Past Chairman
Jon A Jensen, AAI AIP (Jon)
Correll Ins Group
Spartanburg, SC
Directors
Executive Committee
AmTrust North AmericaAn AmTrust Financial Company
PRSRT STDU.S. Postage
PAIDPermit No. 1467
Fort Worth, Texas
Independent Insurance Agents & Brokers of SC
800 Gracern Road
Columbia, SC 29210
