independent insurance agents of maryland packet... · 2016-07-08 · in the marketplace. the...
TRANSCRIPT
Independent Insurance Agents
of Maryland
Member Benefits
2408 Peppermill Drive Suite A
Glen Burnie MD 21061
Phone 410-766-0600
Fax 410-766-0993
wwwiiamdorg
TABLE OF CONTENTS
IIAM 2016-2017 EXECUTIVE COMMITTEE helliphelliphelliphelliphellip
IIAM MISSION AND BOARD OF DIRECTORS helliphelliphelliphelliphelliphellip
IIAM STAFF
ADVOCACY
EDUCATION
BIG ldquoIrdquo PROFESSIONAL LIABILITY
AGENCY DATA BREACH COVERAGE helliphelliphelliphelliphelliphelliphelliphelliphellip
TRUSTED CHOICE
VIRTUAL RISK CONSULTANT (VRC)
BIG ldquoIrdquo MARKETS
BIG ldquoIrdquo MARKETS MARYLAND PRODUCT LIST helliphelliphellip
RLI PERSONAL UMBRELLA amp AT HOME BUSINESS
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
OTHER BENEFITS
MCVEThelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip
DISCOUNTS AND SERVICES helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip
33
44
55
66
77
88
99
1010
1111
1212
1313
1414
1515
1616
1919
2020
3
2016-2017 IIAM EXECUTIVE COMMITTEE
CHAIRMAN OF THE BOARD
Rick Raley AAI CIC Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email rickraleycdrassociatednet
VICE CHAIRMAN
John Cabrera CF Alliance Insurance Services
Telephone 301-515-9015
Email johncfalliancecom
CHAIRMAN-ELECT
Albert Lietzau IV AU HU Dove amp Co Inc
Telephone 410-727-2211
Email alietzau4hudovecom
DIRECTOR-AT-LARGE
Sandy Chaney CIC CRM
The Insurance Exchange Inc
Telephone 301-545-1595
Email chaneystie-inccom
IMMEDIATE PAST CHAIR
Don Grauel CIC LE Goldsborough amp Son Inc
Telephone 410-377-2111
Email dongoldsboroughcom
PAST PRESIDENTS REPRESENTATIVE
Terry Katz CPCU CIC ARM AAI ACII
HMS Insurance Associates Inc
Telephone 410-337-9755
Email tkatzhmsiacom
STATE NATIONAL DIRECTOR
Angela Ripley CIC AIS CRM LUTCF VW Brown Insurance Services Inc
Telephone 410-730-2688
Email aripleyvwbrowncom
PRESIDENT amp CEO
Shelley Arnold CPCU AU ARM AAI AINS Independent Insurance Agents of Maryland
Telephone 410-766-0600 or 800-544-3368
E-mail shelleyiiamdorg
IIAMrsquos Executive Committee at
the 79th Annual Installation
Dinner held Friday June 10 2016
at The Lighthouse Restaurant
in Solomons MD
4
2016-2017 IIAM BOARD OF DIRECTORS
Maryland independent agents deserve the best The Independent
Insurance Agents of Maryland (IIAM) with its history going back to
1904 and incorporated in 1936 has served the agents of Maryland
with the dedication and enthusiasm that they deserve
Our Mission
To ensure the success of independent insurance producers and
agency staff throughout Maryland by focusing on providing access to
profitable markets cost-competitive products advocacy timely
industry information and superior education programs
G Bradford Reeves AAI AFIS
Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email bradreevescdrassociatednet
Nancy Nicklow CPCU AAI CRIS
Huff Insurance
Telephone 410-647-1111
Email nancyhuffinsurancecom
Jerry Nicklow AAI AIS
Huff Insurance
Telephone 410-647-1111
Email jerryhuffinsurancecom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
Email jaywaring-ahearncom
Gerald lsquoGerryrsquo Zollar CPCU CIC AU
American Heritage Insurance Agency Inc
Telephone 410-552-1200
Email Gerryamheritcom
Ivory M Buck III
Avon-Dixon Insurance Agency
Telephone 410-822-0506
Email ivorybuckavondixoncom
5
IIAM STAFF
PRESIDENT
Shelley M Arnold CPCU AU ARM AAI ACSR AINS
shelleyiiamdorg
ACCOUNTING
EDUCATION DIRECTOR
MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS
Bookkeeper
rebekahiiamdorg
INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR
Errors amp Omissions Program Administrator
RLI PUP amp In-Home Business Program
carlaiiamdorg
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
TABLE OF CONTENTS
IIAM 2016-2017 EXECUTIVE COMMITTEE helliphelliphelliphelliphellip
IIAM MISSION AND BOARD OF DIRECTORS helliphelliphelliphelliphelliphellip
IIAM STAFF
ADVOCACY
EDUCATION
BIG ldquoIrdquo PROFESSIONAL LIABILITY
AGENCY DATA BREACH COVERAGE helliphelliphelliphelliphelliphelliphelliphelliphellip
TRUSTED CHOICE
VIRTUAL RISK CONSULTANT (VRC)
BIG ldquoIrdquo MARKETS
BIG ldquoIrdquo MARKETS MARYLAND PRODUCT LIST helliphelliphellip
RLI PERSONAL UMBRELLA amp AT HOME BUSINESS
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
OTHER BENEFITS
MCVEThelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip
DISCOUNTS AND SERVICES helliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphelliphellip
33
44
55
66
77
88
99
1010
1111
1212
1313
1414
1515
1616
1919
2020
3
2016-2017 IIAM EXECUTIVE COMMITTEE
CHAIRMAN OF THE BOARD
Rick Raley AAI CIC Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email rickraleycdrassociatednet
VICE CHAIRMAN
John Cabrera CF Alliance Insurance Services
Telephone 301-515-9015
Email johncfalliancecom
CHAIRMAN-ELECT
Albert Lietzau IV AU HU Dove amp Co Inc
Telephone 410-727-2211
Email alietzau4hudovecom
DIRECTOR-AT-LARGE
Sandy Chaney CIC CRM
The Insurance Exchange Inc
Telephone 301-545-1595
Email chaneystie-inccom
IMMEDIATE PAST CHAIR
Don Grauel CIC LE Goldsborough amp Son Inc
Telephone 410-377-2111
Email dongoldsboroughcom
PAST PRESIDENTS REPRESENTATIVE
Terry Katz CPCU CIC ARM AAI ACII
HMS Insurance Associates Inc
Telephone 410-337-9755
Email tkatzhmsiacom
STATE NATIONAL DIRECTOR
Angela Ripley CIC AIS CRM LUTCF VW Brown Insurance Services Inc
Telephone 410-730-2688
Email aripleyvwbrowncom
PRESIDENT amp CEO
Shelley Arnold CPCU AU ARM AAI AINS Independent Insurance Agents of Maryland
Telephone 410-766-0600 or 800-544-3368
E-mail shelleyiiamdorg
IIAMrsquos Executive Committee at
the 79th Annual Installation
Dinner held Friday June 10 2016
at The Lighthouse Restaurant
in Solomons MD
4
2016-2017 IIAM BOARD OF DIRECTORS
Maryland independent agents deserve the best The Independent
Insurance Agents of Maryland (IIAM) with its history going back to
1904 and incorporated in 1936 has served the agents of Maryland
with the dedication and enthusiasm that they deserve
Our Mission
To ensure the success of independent insurance producers and
agency staff throughout Maryland by focusing on providing access to
profitable markets cost-competitive products advocacy timely
industry information and superior education programs
G Bradford Reeves AAI AFIS
Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email bradreevescdrassociatednet
Nancy Nicklow CPCU AAI CRIS
Huff Insurance
Telephone 410-647-1111
Email nancyhuffinsurancecom
Jerry Nicklow AAI AIS
Huff Insurance
Telephone 410-647-1111
Email jerryhuffinsurancecom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
Email jaywaring-ahearncom
Gerald lsquoGerryrsquo Zollar CPCU CIC AU
American Heritage Insurance Agency Inc
Telephone 410-552-1200
Email Gerryamheritcom
Ivory M Buck III
Avon-Dixon Insurance Agency
Telephone 410-822-0506
Email ivorybuckavondixoncom
5
IIAM STAFF
PRESIDENT
Shelley M Arnold CPCU AU ARM AAI ACSR AINS
shelleyiiamdorg
ACCOUNTING
EDUCATION DIRECTOR
MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS
Bookkeeper
rebekahiiamdorg
INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR
Errors amp Omissions Program Administrator
RLI PUP amp In-Home Business Program
carlaiiamdorg
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
3
2016-2017 IIAM EXECUTIVE COMMITTEE
CHAIRMAN OF THE BOARD
Rick Raley AAI CIC Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email rickraleycdrassociatednet
VICE CHAIRMAN
John Cabrera CF Alliance Insurance Services
Telephone 301-515-9015
Email johncfalliancecom
CHAIRMAN-ELECT
Albert Lietzau IV AU HU Dove amp Co Inc
Telephone 410-727-2211
Email alietzau4hudovecom
DIRECTOR-AT-LARGE
Sandy Chaney CIC CRM
The Insurance Exchange Inc
Telephone 301-545-1595
Email chaneystie-inccom
IMMEDIATE PAST CHAIR
Don Grauel CIC LE Goldsborough amp Son Inc
Telephone 410-377-2111
Email dongoldsboroughcom
PAST PRESIDENTS REPRESENTATIVE
Terry Katz CPCU CIC ARM AAI ACII
HMS Insurance Associates Inc
Telephone 410-337-9755
Email tkatzhmsiacom
STATE NATIONAL DIRECTOR
Angela Ripley CIC AIS CRM LUTCF VW Brown Insurance Services Inc
Telephone 410-730-2688
Email aripleyvwbrowncom
PRESIDENT amp CEO
Shelley Arnold CPCU AU ARM AAI AINS Independent Insurance Agents of Maryland
Telephone 410-766-0600 or 800-544-3368
E-mail shelleyiiamdorg
IIAMrsquos Executive Committee at
the 79th Annual Installation
Dinner held Friday June 10 2016
at The Lighthouse Restaurant
in Solomons MD
4
2016-2017 IIAM BOARD OF DIRECTORS
Maryland independent agents deserve the best The Independent
Insurance Agents of Maryland (IIAM) with its history going back to
1904 and incorporated in 1936 has served the agents of Maryland
with the dedication and enthusiasm that they deserve
Our Mission
To ensure the success of independent insurance producers and
agency staff throughout Maryland by focusing on providing access to
profitable markets cost-competitive products advocacy timely
industry information and superior education programs
G Bradford Reeves AAI AFIS
Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email bradreevescdrassociatednet
Nancy Nicklow CPCU AAI CRIS
Huff Insurance
Telephone 410-647-1111
Email nancyhuffinsurancecom
Jerry Nicklow AAI AIS
Huff Insurance
Telephone 410-647-1111
Email jerryhuffinsurancecom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
Email jaywaring-ahearncom
Gerald lsquoGerryrsquo Zollar CPCU CIC AU
American Heritage Insurance Agency Inc
Telephone 410-552-1200
Email Gerryamheritcom
Ivory M Buck III
Avon-Dixon Insurance Agency
Telephone 410-822-0506
Email ivorybuckavondixoncom
5
IIAM STAFF
PRESIDENT
Shelley M Arnold CPCU AU ARM AAI ACSR AINS
shelleyiiamdorg
ACCOUNTING
EDUCATION DIRECTOR
MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS
Bookkeeper
rebekahiiamdorg
INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR
Errors amp Omissions Program Administrator
RLI PUP amp In-Home Business Program
carlaiiamdorg
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
4
2016-2017 IIAM BOARD OF DIRECTORS
Maryland independent agents deserve the best The Independent
Insurance Agents of Maryland (IIAM) with its history going back to
1904 and incorporated in 1936 has served the agents of Maryland
with the dedication and enthusiasm that they deserve
Our Mission
To ensure the success of independent insurance producers and
agency staff throughout Maryland by focusing on providing access to
profitable markets cost-competitive products advocacy timely
industry information and superior education programs
G Bradford Reeves AAI AFIS
Combs Drury Reeves InsAIC of SM LLC
Telephone 301-475-8944
Email bradreevescdrassociatednet
Nancy Nicklow CPCU AAI CRIS
Huff Insurance
Telephone 410-647-1111
Email nancyhuffinsurancecom
Jerry Nicklow AAI AIS
Huff Insurance
Telephone 410-647-1111
Email jerryhuffinsurancecom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
Email jaywaring-ahearncom
Gerald lsquoGerryrsquo Zollar CPCU CIC AU
American Heritage Insurance Agency Inc
Telephone 410-552-1200
Email Gerryamheritcom
Ivory M Buck III
Avon-Dixon Insurance Agency
Telephone 410-822-0506
Email ivorybuckavondixoncom
5
IIAM STAFF
PRESIDENT
Shelley M Arnold CPCU AU ARM AAI ACSR AINS
shelleyiiamdorg
ACCOUNTING
EDUCATION DIRECTOR
MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS
Bookkeeper
rebekahiiamdorg
INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR
Errors amp Omissions Program Administrator
RLI PUP amp In-Home Business Program
carlaiiamdorg
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
5
IIAM STAFF
PRESIDENT
Shelley M Arnold CPCU AU ARM AAI ACSR AINS
shelleyiiamdorg
ACCOUNTING
EDUCATION DIRECTOR
MAPACINSURPAC ADMINISTRATOR Rebekah A Langford ACSR AINS AAI AIS
Bookkeeper
rebekahiiamdorg
INSURANCE ADMINISTRATOR Carla M McGee RPLU ACSR
Errors amp Omissions Program Administrator
RLI PUP amp In-Home Business Program
carlaiiamdorg
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
6
ADVOCACY
Extensive coverage is given during the sessions of the Maryland General Assembly by means of
our Legislative Committee IIAMs Legislative Bulletin outlines in a concise format the content
of all legislative measures being offered in Annapolis which affect our business These same bills
are tracked for you through the session until final disposition A link to major insurance related
bills can be found on our Bulletin
The Association President and the Legislative Committee Chairman and members of the legisla-
tive committee monitor all insurance related legislation on your behalf during sessions of the
Maryland General Assembly Members are provided with timely legislative bulletins outlining
those issuesbills which affect our business
The Association has been involved in the passage of a number of legislative proposals helpful to the Independent Agent and the
Maryland Assembly Conversely we have successfully opposed measures which would have been counter productive
MAPAC amp InsurPAC Legislative Advisor
The Maryland Big I was instrumental in the organization and
development of the Maryland Agents Political Action Committee
(MAPAC) This is a separate non-profit non-partisan political
action committee It functions to aid those candidates for legislative
or statewide office who understand the problems and needs of the
independent agent Nationally IIAM members visit with all of
Marylands Senators and Representatives in Washington during the
national Legislative Conference held in the Spring each year
Contact is maintained with our representatives in Congress
throughout the year
Brett S Lininger Esq Semmes Bowen amp Semmes
Suite 1400
25 South Charles Street
Baltimore Maryland 21201
410-576-4815
Fax 410-576-4826
bliningersemmescom
Legislative Committee
Denise Carnes CPCUmdashChair
Insurance Services Group Inc
Telephone 410-296-5700
dcarnesisgusacom
Jay Duke Waring-Ahearn Insurance Agency Inc
Telephone 301-475-5541
jaywaring-ahearncom
Rick Raley Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
rickraleyinscenterscom
Don Grauel CIC
LE Goldsborough amp Son Inc
Telephone 410-377-2111
dongoldsboroughcom
Mike McCartin CPCU
Joseph W McCartin Insurance
Telephone 301-937-0400
mikemccartincom
G Bradford Reeves AAI AIFS Combs Drury Reeves Insurance Agency
Telephone 301-475-5674
bradreevesinscenterscom
Ron Smith Smith Insurance Services Inc
Telephone 410-535-0416
Rrrsmithinsyahoocom
Shelley Arnold CPCU AU ARM AAI AINS
IIA of Maryland Inc
Telephone 410-766-0600
shelleyiiamdorg
Benjamin Yingling CIC CLCS CRIS
Crawford Yingling Inc
Telephone 410-848-7464
bencrawfordyinglingcom
Pamela Dodge CIC CISR CPIA
United States Insurance Services Inc
Telephone 410-694-0536
pdodgeusis-tiacom
Our National PAC InsurPac functions to aid
those candidates for national political offices
InsurPacrsquos interaction with our representatives on
Capitol Hill is crucial to the interests of inde-
pendent agents Because of the bond established
through these events elected officials regularly
turn to IIABArsquos lobbyists when they are seeking
information about the independent agency system
and insurance knowledge in general Our repre-
sentatives use that information to frame insurance
issues on Capitol Hill and in doing so promote
what is important to IIABArsquos membership
Donations to InsurPac must be from individuals
and the agency must sign a Corporate Approval
form prior to contributing
WEBITES TO BOOKMARK
IIAMrsquos Legislative Page httpwwwiiamdorglegislative Maryland General Assemply httpmgalegmarylandgovwebmgafrm1staspxtab=home
Corporate Approval Form httpwwwindependentagentcomGovernmentAffairsInsurPacdefaultaspx
MAPACINSURPAC ADMINISTRATOR
Rebekah A Langford ACSR AINS AAI AIS
rebekahiiamdorg or 410-766-0600
INSURPAC COMMITTEE CHAIR
Angela Ripley CIC AIS CRM LUTCF
aripleyvwbrowncom or 410-730-2688
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
7
EDUCATION
FREE
Flood amp Ethics
The mandatory Flood amp Ethics Continuing
Education Courses are FREE to IIAM
Members and their employees
(in-classroom courses offered by IIAM only)
WEBITES TO BOOKMARK
IIAMrsquos Education Page httpwwwiiamdorgeducation Renew Your License wwwniprcom
Look Up Your Transcript Credits httpswwwsirconcomComplianceExpressNonSscrbEducationindexjspnonSscrb=Yampsscrbid=9999
DIRECTOR OF EDUCATION
Rebekah A Langford ACSR AINS AAI AIS
410-766-0600 x 103
rebekahiiamdorg
DESIGNATION PROGRAMS AT IIAM
ACSR Accredited Customer Service Representative
The program consists of 3 designation lines Personal Commercial
and LifeHealth IIAM offers the Personal and Commercial Lines
designation programs
AAI Accredited Advisor in Insurance
Designed to meet the educational needs of insurance producers
CSRrsquos and managers
CRIS Construction Risk Insurance Specialist
These courses are directly focused on the unique risk management
and insurance needs of construction projects and contractors They
are designed for construction industry financial executives risk
managers insurance buyers adjusters and the insurance agents
brokers and underwriters who serve the construction industry
IIAM COURSES
In addition to the Designation Program Courses IIAM also offers
the following insurance classes
Insurance Ethics
Flood
EampO Risk Management Meeting the Challenges
of Change
Certificates of Insurance
Maryland Rules amp Regulations
Agency-Company Agreements
IIAMrsquos PropertyCasualty Licensing Course
will qualify an individual to take the
Maryland Insurance Licensing Examination
The program is held four times each year and is
a one week program Registration fees cover
your textbook candidate handbook class
instruction and exam simulator
IIAMrsquos ONLINE
LEARNING
CENTER
The Independent Insurance Agents of Maryland
is now offering 150 online continuing education
seminars We have partnered with the following
to bring you quality online education options
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
8
BIG ldquoIrdquo PROFESSIONAL LIABILITY
Insurance Agents Errors and Omissions Coverage Thatrsquos Right for Your Business
Why the Big ldquoIrdquo Professional Liability Program
Superior customer service and expertise by your state association
Professional Liability Committee comprised of IIABA members
that oversee and have a direct influence in the program
Nationally endorsed program with more than 30 years experience
The largest independent insurance agency Errors amp Omissions
program in the country
Two policy forms filed on a Risk Purchasing Group (RPG) basis
exclusive to Big ldquoIrdquo Members
As the nationally endorsed
carrier of the Big ldquoIrdquo
Professional Liability program for over 30 years Swiss Re
Corporate Solutions has created the strongest coverage form
in the marketplace The largest writer of agents EampO
insurance in the country it provides core coverage as well
as additional coverage units to insure against other
exposures of concern to agents
Why Swiss Re Corporate Solutions Exclusive loss prevention resources including
risk management website EampO Happens (see pg 18)
risk management newsletter EampO Claims Advisor
70 of claims personnel are attorneys and focus solely
on defending insurance agents EampO claims
Rated ldquoA+rdquo (Superior) by AM Best
The new Firemanrsquos Fund PRO
GARDreg insurance agents EampO
policy was developed on a risk
purchasing group basis
exclusively for Big I members With more than 25 years
of experience Firemanrsquos Fund is an industry leader in
providing liability coverage for agents and brokers against
errors and omissions
Why Firemanrsquos Fund Access to the Firemanrsquos Fund Heritage Program in
support of firefighters
Dedicated 24-hour claims expertise with multi-line
background
Rated ldquoArdquo (Excellent) by A M Best
Policies are direct bill
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Swiss RE Risk Management Website wwwindependentagentcomeohappens EampOUmbrella Apps httpwwwiiamdorgproductsandservices
A Commercial Umbrella underwritten by Westport Insurance Corporation a member of Swiss
Re Corporate Solutions (rated A+ by AM Best) is available exclusively to Big ldquoIrdquo members
Designed in collaboration with the IIABA to meet the needs of independent insurance agents
Limits available up to $10 million over underlying primary EampO
Broad coverage over primary casualty lines including EampO
May be written over a variety of EampO carriers
PROTECT CONSOLIDATE SECURE SUPPORT
Just want Excess EampO coverage Look no further Coverage is
provided by First Specialty Insurance Corporation a member of
Swiss Re Corporate Solutions (rated A+ by AM Best) and is available
exclusively to Big ldquoIrdquo members Underlying EampO must be with an
approved carrier which includes Utica Mutual Firemans Fund Safeco
Darwin Indian Harbor Great American National Union CNA amp Liberty
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
9
AGENCY DATA BREACH COVERAGE
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR
carlaiiamdorg or 410-766-0600 x 100
WEBSITES TO BOOKMARK
Data Breach Application wwwiiamdorgdatabreachcoverage Data Breach Risk Management website wwwNoDataBreachcom
The Independent Insurance Agents of Maryland now offers Data Breach Coverage exclusive to IIAM members In conjunction with ArlingtonRoe amp Company Inc the Beazley Breach Responsereg policy was created and tailored to the needs of independent agents Coverage is provided on a non-admitted basis through Beazley syndicates at Lloyds with premiums as low as $25000 All premiums are subject to 3 Maryland Surplus Lines tax
Coverage Sublimits Include
Information Security amp Privacy Liability Regulatory Defense amp Penalties PCI Fines amp Penalties (Coverage is subject to underwriting) Website Media Liability Cyber Extortion Legal Forensics amp Public Relations (Outside the aggregate limit of liability) Data Protection Loss Business Interruption Loss Notification Call Center Breach Resolution and Mitigation Services (Limited by the number of records selected amp outside the aggregate limit of liability)
Beazley Breach Responsereg
policyholders have access to
wwwNoDataBreachcom a website
providing risk management policies
procedures training and other tools
to help prevent a breach of
confidential information
Cyber crimes are the fastest growing crimes in the word Cyber attacks are up 17 times since 2009 and this is primarily because only 1 in 20000 cyber thieves get caught Independent agents collect and store numerous types of private information on their clients This information can range from driver license numbers to corporate trade secrets As the agents collect this information they are required by law to protect it from the public and to keep it secure It does not matter if the agent keeps this information on their computer system or another third party system if they collect itmdashthey are responsible for the breach notification
Applications can be found at
wwwiiamdorgdatabreachcoverage To request a quote send the completed Beazley Breach Responsereg application and Surplus Lines Disclosure to
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
10
TRUSTED CHOICEreg
What is Trusted Choicereg
Trusted Choicereg is more than advertising It is a brand shaped in
response to consumer priorities highlighting the strengths of independent
agents and brokers
Trusted Choicereg is a national consumer brand developed by the Big ldquoIrdquo and its company partners in response to eroding market share and it is the result of significant consumer and industry research Using national advertising local agency marketing and public relations we are communicating to consumers that Trusted Choicereg is the smart way to buy insurance and financial services As a member of Trusted Choicereg you can use the consumer-tested name logo and approved tag lines as well as professionally produced advertising materials for television radio print and online Plus The Trusted Choicereg Agency Locator sends qualified leads directly to your desktop
The Trusted Choicereg Pledge of Performance can be found at
wwwtrustedchoicecomagents along with FAQrsquos Logos amp Usage
Guidelines and information about the Trusted Choicereg Marketing Reimbursement Program
TRUSTED CHOICE CHAIRMAN
Don Grauel CIC dongoldsboroughcom or 410-377-2111
WEBSITES TO BOOKMARK
AgentBroker Site Logos and Usage Guidelines wwwtrustedchoicecomagents Advantage Subscription httpsagentstrustedchoicecom
Trusted Choice Agency Benefits include
1) Licensed use of the consumer tested logo amp Pledge of Performance 2) Customizable advertising materials 3) Marketing Reimbursement Program 4) Syndicated content feed (RSS) for your websiteblog 5) Exposure through national advertising amp public relations campaigns 6) Inclusion on the online Agency Locator so consumers can find your
agency when visiting wwwtrustedchoicecom 7) Informative consumer articles that can be used in agency
newsletters websites social media or mailing 8) Customizable press release templates which help garner local press
coverage for your agency 9) Support from many Trusted Choice industry partners
Why Consumers are Choosing TrustedChoicecom
Tools and filters allow them to find an independent agent that fits their unique needs
Personal lines quoting for Auto and Home help them form an idea of what kind of pricing they can expect
Exhaustive resources for research on specific lines of insurance
Engaging blog written by trusted internet authors Educational content to help consumers understand the
value of the independent agent
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
11
VIRTUAL RISK CONSULTANT
The Big ldquoIrdquo Advantagereg Virtual Risk Consultant (VRC) provides the resources needed to
understand a customerrsquos operation and exposures while identifying applicable coverages Additional resources include EampO checklists sales and marketing tools proposal language plus training and development support
Itrsquos just what the doctor ordered
RISK EXPOSURE ASSESSMENT TOOLS
Commercial Lines Risk Exposure Evaluation System
Provides an overview of operations and exposures for more than 650 businesses
Coverage checklists help ensure you have reviewed all pertinent exposures
Helps you ask the underwriting and coverage questions needed to build a better product for your clients
Explains underwriting criteria and suggests SIC NAICS GL and WC classification codes
Provides printed EampO checklists and coverage recommendations in an organized fashion
Provides a coverage explanation template to accompany your proposal
Personal Lines Risk Exposure Evaluation System
Provides an overviews for coastal properties condos rental properties single family dwellings and tenantsrsquo exposures
Recognizes that not all personal lines risks are the same by outlining a risk specific approach to evaluating diverse exposures
Provides a pre-renewal questionnaire as a guide to disclose changes that could impact a clientrsquos insurance program
Coverages Applicable
Identifies the coverages while supplying a simple and concise explanation of the insuring agreements and the reasons they should be considered
Continual updates alert you to new coverage availabilities
Agency Size (per state) Annual Subscription
Pricing Four-Year Subscription
Pricing
Up to 15 users per agency $250 $750
More than 15 users per agency
$500 $1500
WEBSITES TO BOOKMARK
To purchase or log in to VRC wwwiiabanetvrc VRCmdashExperience a Live Demo wwwroughnotescombig_i_demoindex1html
PROPOSAL amp TECHNICAL RESEARCH TOOLS
Policy Forms amp Manual Analysis (PFampM)
Over 7200 pages of comprehensive yet easy-to-use ISO and AAIS coverage form analysis and explanation with Commercial Lines Manual interpretations
Over 1000 pages of court cases and decisions
Hyperlinks throughout this section make it easy to navigate the abundance of material and allows you to toggle multiple sections
ACORDtrade Forms Library Find all ACORD forms with instructions for proper completion in one central depository
Insurance Words and Their Meanings Being able to explain industry terms in a manner understand-able to someone without an insurance background is the hallmark of a successful insurance professional Insurance Words and Their Meanings provides glossaries for 11 business categories enabling producers to comprehend unique terms frequently used in a variety of industries
MARKETING AND PROSPECTING
Business Building Letters Over 300 samples are provided based on a variety of topics
E-Marketing for Agencies Access to articles and content on topics important to clients that the agency can use to keep their website amp newsletters current
Marketplace Tools A directory of 800 providers of EampS and specialty coverages for more than 660 hard-to-place exposures
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
12
BIG ldquoIrdquo MARKETS
Big ldquoIrdquo Markets is an online agent market access program available exclusively to Big ldquoIrdquo members Big ldquoIrdquo Markets functions
as an online gateway to connect you the agent with the product providers and underwriters for the products you need There are
no access fees no minimums and no special software needed to participate in the program As long as yoursquore a member of the
Big ldquoIrdquo and have a working Internet connection yoursquore able to plug into the power of Big ldquoIrdquo Markets If you have any questions
at any point during the registration process please do not hesitate to call us Big ldquoIrdquo Markets team members are on hand at
(800) 221-7917 or via email at bigimarketsiiabanet Available products can be found at wwwbigimarketscom
A library of pre-recorded webinars to help you
become more familiar with products available
though Big ldquoIrdquo Marketsrsquorsquo
Two-for-Tuesday is a publication that is distributed
to all Big I Markets users via email every
Tuesday Product availability and access changes
underwriting information sales and marketing tips
and techniques and system changesenhancements
are all communicated through this tool
There are seven steps to registering your agency 1 Enter agency contact information
2 Enter agency structure and license information
3 Enter EampO information
4 Answer seven background information questions Answering ldquoYesrdquo to any of
these questions will stop the registration process but it doesnrsquot necessarily
mean you cannot register A Big ldquoIrdquo Markets team member will contact you
for more information
5 Enter user information In order for a producer to be able to quote you must
then click on ldquoEditrdquo next to his or her name and enter the license information
6 Enter flood information
7 Sign the Agreement We encourage you to printout the agreement Enter your
initials in the box at the bottom and click on ldquoAcceptrdquo
The Big I Flood Program in cooperation with Selective Insurance
as the Write-Your-Own (WYO) company has been offering the
National Flood Insurance Program (NFIP) to our member agents
since 2001 Our flood program is a part of the federal flood
insurance program and therefore follows the same rules and regulations of the NFIP As a Big ldquoIrdquo member writing your flood book
of business through Selective gives you access to
Experienced dedicated underwriting teams with years of experience who are well-versed in the legislative changes tied to the
Biggert-Waters Act of 2012 and Homeowner Flood Insurance Affordability Act of 2014
Selectivefloodcom an agency portal offering real-time processing along with report capabilities to help manage your book of
business effectively and efficiently
A dynamic Online Marketing Portal offering complimentary and tailored solutions ranging from co-brandable flyers brochures
and postcards to custom eMarketing campaigns pre-recorded radio spots commercials and billboard designs
Skilled Territory Managers who travel the country facilitating Continuing Education (CE) classes providing the knowledge and
expertise needed to effectively speak flood
QuoteitNow - a self-service flood quoting tool that can be easily added to Selective appointed agency websites
If you are thinking about becoming an independent agent or are an agent relatively newly in
business Eagle Agency can be an especially good fit for you Eagle Agency is an IIABA
program created exclusively for Big ldquoIrdquo members As an Eagle Agent you can choose from the
available personal lines markets of Travelers Met Life Auto amp Home and Progressive You can either be appointed as a sub-producer
or use Eagle Express Eagle agents are vetted by the Company(s) and require a minimum of two (2) new lines a month If you are not
sure the Agency can commit to two new line policies a month choose Eagle Express There is
no minimum per month policy requirement with Eagle Express Eagle Express Agency (s)
requests are reviewed and approved
in-house by Eagle Agency
personnel Both Eagle and Eagle
Express Agencies sell service manage
and own their book of business
Questions about Eagle
Please contact
Jodie Bacote
1-800-221-7917
jodiebacoteiiabanet
WEBSITES TO BOOKMARK
Big I Markets Product Guide httpwwwindependentagentcomProductsInsuranceBigIMarketsSiteAssetsPageshomeBIM_ProductGuide_102015pdf
Big I Markets wwwbigimarketscom Big I Flood wwwiiabanetFlood
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
13
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
14
RLI
The Maryland RLI Personal Umbrella and At Home Business Policies are administered in-house by the Independent Insurance Agents of Marylandrsquos for-profit entity Insurance Brokers Service Corporation (IBSC)
To begin selling these two products a producer application must be completed for RLI and IBSC These contracts can be found at wwwiiamdorgrli along with applications rates quick raters sample forms and submission checklists Agents now have 247 access to the RLI PUP website wwwrlicorpcom to view an insuredrsquos status payments underwriting information invoices forms renewal applications and marketing
material to customize with the agentrsquos contact information Quoting via RLIrsquos website allows the agent to email an application providing the prospect with the option to complete an eSignature and pay the premium by
credit card making the application process paperless
INSURANCE ADMINISTRATOR
Carla M McGee RPLU ACSR carlaiiamdorg
410-766-0600 x 100
RLIrsquoS PERSONAL UMBRELLA POLICY RLIrsquoS AT HOME BUSINESS POLICY
RLIrsquos Personal Umbrella Policy (PUP) can provide added financial protection for your insured and your insureds family Offering each client an umbrella is a great way to round accounts and increase sales
Could your customers use RLIrsquos PUP
Available limits up to $5 million Excess UMUIM coverage Premiums start at $15800 Immediate availability Self-underwriting application New drivers accepted Renewals are direct billed Covers above auto home
boat or rental properties Keep existing homeownerauto insurer Up to one DWIDUI per household allowed Auto limits as low as 10030050 in certain cases Written on admitted paper by RLI Insurance
Company rated A+ by AM Best Company Website access to view your insuredrsquos account 247
RLIs At Home Business Policy provides affordable coverage for those people who operate small home-based businesses
Homeowners policies may not fully cover home businesses RLIrsquos At Home Business product
is specifically targeted for over 100 retail and services risks operated from the insureds residence and presenting minimal product liability professional liability andor off premises exposures
True BOP coverage for home businesses Limits up to $1000000 liability and $100000
Business Personal Property Full year of coveragemdash
includes events fairs amp shows
Available nationwide Premiums start at
$15900 $250 Deductible
For the 22nd consecutive year RLI has been named as one of the insurance industryrsquos top performing companies by the Ward Group
RLI is one of only three property and casualty insurers to be recognized as a Wards 50reg Top PampC Performer every year since itrsquos inception in 1991
WEBSITES TO BOOKMARK
RLI wwwrlicorpcom IBSC Insurance Programs httpwwwiiamdorgproductsandservices Big I Markets wwwbigimarketscom
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
15
BIG ldquoIrdquo RETIREMENTEMPLOYEE BENEFITS
Big I Retirement Services is here to help you choose which plan best meets your circumstances
They have worked with more than 1000 agencies to help them achieve their retirement goals
Advisors are available to all IIABA members to provide a consultation on existing and new plans at
no cost or obligation Big I Retirement Services considers you a member first and a client second
Whether building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money
with IIABArsquos low administrative fees Big I Retirement Services strives to make your experience pleasant professional and
hassle-free Whether your goal is to maximize ownersrsquo contributions lower your agencyrsquos tax burden or retain key employees
IIABArsquos retirement professionals can tailor and customize a plan to fit your needs
Big ldquoIrdquo MEP 401(k) Plan
The Big ldquoIrdquo MEP 401(k) Plan is sponsored by Big ldquoIrdquo Retirement Services LLC It is a multiple
employer plan also known as the MEP which is a great way to lower your overall retirement plan
costs while receiving consulting helpful educational tools and low cost investment options Big ldquoIrdquo
Retirement Services LLC has partnered with national firms to provide a unique member only plan that
simplifies plan sponsors administrative responsibilities while limiting your fiduciary exposure
By partnering with Mesirow Financial a 3(38) fiduciary and MVP Plan Administrators a customer
service oriented record-keeper the Big ldquoIrdquo MEP 401(k) Plan is designed to maximize cost savings and
our unique association design
These products and services below are available to IIABA members only The IIABA sponsored
employee benefits are underwritten through the Guardian Life Insurance Company of America
Group Long Term Disability Choices
Protect your ability to earn a living Choose from three plan alternatives to fit your individual needs This protection offers you up to
$10000 per month income benefit optional cost of living benefit and family protection special benefits for residual disability your
choice of waiting periods and waiver of premium
Group Short Term Disability Choices
IIABArsquos Short Term Disability plans protect you from loss of income during an illness or accident that lasts between one and 26 weeks
and protect you against financial loss prior to the date your long term disability becomes effective Both choices offer weekly income
benefits up to $500 and special benefits for residual disability
Group Term Life Insurance
The Big ldquoIrdquo Group Term Life insurance program not only can provide coverage for final expenses but also can help with a variety of
other family needs Life insurance can be used for estate settlement probate costs mortgage pay off college expenses and payment of
medical expenses to name a few The program offers guaranteed issue (with certain requirements being met) a variety of plan
alternatives to fit your agencyrsquos needs coverage for spouse and children and optional coverage for employees
Group Dental and Vision Insurance
The Big ldquoIrdquo Dental program offers two levels of coverage basic and enhanced with an extensive list of in-network preferred provider
dentists Also offering options for out-of-network coverage and orthodontic services The Big ldquoIrdquo Vision program offers coverage
through VSP with in and out-of-network coverage
Big ldquoIrdquo IRA Program
The Big ldquoIrdquo IRA Program offers Traditional IRAs Roth IRAs and IRA plans such as SIMPLE IRAs
and SEP IRAs Administrative services are provided by The IRA Center and investments are offered from a variety of fund families
including the Prudential Guaranteed Income Fund With great program features such as no minimum balance requirements no front
or back end sales charges and no market rate adjustments for transfers between funds the Big ldquoIrdquo IRA Program is designed to offer
maximum flexibility at a competitive cost
Questions Wersquore ready to take your order
Contact Chrisine Munoz at IIABA at 1-800-848-4401 or chrisinemunoziiabanet
to learn more about any of these options
WEBSITES TO BOOKMARK
IIABA wwwiiabanet
Retirement
Calculators
Asset Allocator
401(k) Savings
Retirement Income
Retirement Planner
Retirement
Shortfall
Calculator
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
16
OTHER BENEFITS
THE ldquoMARYLAND MESSENGERrdquo
Editor Shelley Arnold CPCUAUARMAAIAINS
Graphic Designer Maritza Dintino
For advertising opportunities please contact
Shelley Arnold shelleyiiamdorg or 410-766-0600
IIAMrsquos bi-monthly newsletter contains concise up-to-date
insurance information on all phases of our businesses including
regular columns regarding education local activities etc
Publications are also available online at
httpwwwiiamdorgmarylandmessenger
InVEST
Founded in 1970 by the Independent
Insurance Agents of Los Angeles InVEST began educating students in insurance to become better insurance consumers
Over the years it has expanded to also teach insurance agency and company operations and encourage students to pursue
careers in the industry In 2016 $73500 was awarded to InVEST graduates pursuing insurance careers or related studies
If your goal is to secure the future of the insurance industrymdashhelp InVEST bring insurance to the classroom and introduce
young professionals to a career in insurance Contact Deborah Pickford InVEST Executive Director at 800-221-7917 or
deborahpickfordiiabanet to learn how you can help perpetuate the industry today
Your Link to Insurance Research
100s of insurance business and technology articles many full sample ISO forms white papers and information on issues
affecting todays insurance marketplace
Ask an Expert Service Sometimes you need answers to questions that cannot be found in the research library To help with these just in time
issues we have assembled a faculty of leading experts from around the country Questions are tracked and faculty
responses compiled so that a consolidated response is emailed to the questioner usually within 3-5 business days
The VUpoint Newsletter The VUpoint is a FREE bi-weekly email newsletter containing articles on personal amp commercial lines agency
management sales and marketing customer service and technology
wwwiiabanetVU
Stephen Earll Memorial Junior Golf Classic
Named after IIAMrsquos 2004 Past President the Stephen Earll Memorial Junior
Golf Classic is held at Argyle Country Club each year The winner is
sponsored by the Independent Insurance Agents of Maryland at the Trusted
Choice Big I Junior Classic which is the 3rd oldest junior golf event in the
United States and has served as a national championship challenge for our
nationrsquos most accomplished junior golfers for the past 44 years
Maryland has had two national winners in the past five years and we
are very proud of the program and the young golfers that participate
GOLF CLASSIC CHAIRMAN
Kenneth Abrams abramsinscomcastnet
443-277-3438
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
17
OTHER BENEFITS
Ron Berg
ACT Executive Director
ronbergiiabanet
wwwiiabanet
The ACT website includes
Latest ACT Articles amp Reports
Upcoming events webinars and recorded webinars
ldquoQuick Linksrdquo to all ACT website information organized by
each ACT subject area
Information on ACT its members and its current committees
and work groups
The Agents Council for Technology (ACT)
ACT is dedicated to promoting the use of the most effective workflows and
technologies within the Independent Agency System In order to accomplish
this we bring independent insurance agencies together with their carriers
vendors associations and user groups to discuss the best approaches to take as
an industry to advocate for these improvements and to produce reports articles
and webinars to help independent agencies and our industry implement
the recommended approaches
ACT CHAIRMAN Nancy Nicklow CPCU AAI CRIS
nancyhuffinsurancecom or 410-647-1111
CONTRACT REVIEWS
Dont sign on the dotted line before IIABAs legal team has had the
opportunity to review the contract Send the contract to us for
review If the company has already been reviewed it will be
emailed to you
Shelley Arnold shelleyiiamdorg or 410-766-0600
Belman Klein Associates Ltd is a full service Brokerage General Agency located in Columbia Maryland
Belman Klein provides Life and Long Term Care insurance needs to independent agents and advisors by
offering full sales support and back office administration support Having two attorneys and two underwriters
on staff allows them to offer advanced sales design and expertise as well as underwriting advocacy
Belman Klein offers free life insurance continuing education credits to IIAM members as well as a new
Life Insurance section in the Bi-Monthly Maryland Messenger
For more information please contact
Scott Zilber szilberbelmankleincom
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
18
OTHER BENEFITS
Big ldquoIrdquo members whose agency EampO insurance is written by Swiss Re through the Big ldquoIrdquo Professional Liability Program have full access to an exclusive risk management web site
wwwiiabanetEOHappens
The Big I Risk Management Website contains comprehensive information and tools such as
The common mistakes that cause EampO claims
Real-life case studies for learning
Best practice tips
Sample disclaimers
Procedures and client letters
Operational self-assessments
EampO-related articles Limited access is available to members of IIAM whose EampO is not written by Swiss Re
The IIAM Board has chosen to offer AxiKit App because we believe it offers a unique opportunity for the independent agent In particular IIAM was impressed by how the app is customized for your agency and by how effective and easy it is to use We also like the constant efforts to improve with new features and no new costs For example AxiKit recently added the ability for the user to display their insurance card within the app and it can be remotely downloaded to each phone for fleet clients
This app simplifies the automobile claims process and avoids the error-filled typing of information that other apps require Instead the AxiKit app allows the user to make organized voice recordings for each topic Particularly important is how AxiKit benefits commercial clients Until now there has not been an app designed for the special needs of commercial fleets Even the current issue of PropertyCasualty360 points out that this is currently an unmet need The AxiKit app allows a fleet driver to report vital information within minutes to their supervisor including voice recordings photos and accident data We believe that commercial clients will find this benefit highly valuable
Clientrsquos drivers report claims from
the scene
Get photos voice recordings and
data in a few quick amp simple steps
Everything sent in one file
Notifies Management Carrier or
Agency directly from driverrsquos
ANDROID OR IPHONE in real time
Customize with your agency
name logo and more Allow your clients to download and use with your permission
A special pricing discount has been arranged for IIAM members For more information contact IIAMs authorized representative
Jerry Mayer 410-645-1765 or jerryagenttlccom
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
19
MD CENTER FOR VETERANS EDUCATION amp TRAINING
The Independent Insurance Agents of Maryland is collecting donations for The Maryland Center for Veterans Education amp Training Inc located in Baltimore MD Please feel free to drop off donations when you visit IIAMD We will also be more than happy to visit your agency and pick up any donations collected Donations are delivered quarterly The Maryland Center for Veterans Education and Training (MCVET) is serving more than 250 veterans daily through Five (5) distinct programs -- a Day Drop-In Program an Emergency Program (13 weeks) a Transitional Housing Program (up to two years) a Follow-up Program and 80 Single Room Occupancy apartments (SRO) A natural progression will be to go from the Day Drop-in Program to the Emergency Program to the Transitional Housing Program to the SRO Veteran applicants from outside MCVETs program including female veterans are also accepted into the SRO program provided they meet the eligibility requirements As the veterans enrolled at MCVET travel through this continuum they receive an array of services that support MCVETrsquos primary goal of empowering them to return to the families and communities
Financial Contributions Coats Hats amp Gloves Combs amp Brushes Detergent Feminine Hygiene Products Fitness amp Recreational Equipment Maintenance Equipment amp Tools Men amp Womenrsquos Clothing New Undergarments Office Furniture School Supplies Shaving Cream amp Razors Shower Shoes Soap amp Shampoo Toothbrushes amp Toothpaste
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet
IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts IIAM Members can take advantage of discounts
and services offered by the following vendorsand services offered by the following vendorsand services offered by the following vendors
Big I Members receive exclusive discount pricing on the
premier personality testing product in the industry
Let Caliper tell you what you need to know before you hire
A test and comprehensive consultation is just $245
For more information about Caliper visit
wwwcaliperonlinecom email infocalipercorpcom
or call 1-609-524-1200 and identify yourself as an
IIABA member
IC System specializes in collections $65+ million collected
annually Count on skilled collectors custom programs for
early-stage through intensive recoveries with NATIONAL
credit bureau reporting legal services and more
IC Systemrsquos practices are effective and ethical strict
COMPLIANCE programs (FDCPA HIPAA etc) and a
BBB Accredited Business (A Rating)
Ask about exclusive MEMBER-BENEFITS for Members
Please call 1-800-279-3511 for a quote
Visit wwwicmemberbenefitscom for more information
andor FREE resources
Big I members may now receive exclusive discounted
pricing from the industrys 1 esignature solution Docusign
DocuSign is used to accelerate transaction times to increase
speed to results reduce costs improve customer service
and reduce EampO exposure
Learn more at wwwdocusigncomiiaba
These programs are not endorsed by the Independent Insurance Agents of Maryland
The Big I Career Center offers an online job and resume
posting service for the insurance industry
Visit wwwinsurancecareerfindercom to learn more
Agility works with over 1000 insurance agencies helping them
be prepared to get back in business after a disaster Contact
Agility at 1-866-364-9696 for disaster preparedness services
like remote location or ldquohot siterdquo or their Agility ReadySuite
mobile replacement office capability
wwwagilityrecoverycom
Order your Big I and Trusted Choice logo calendars
business cards and stationery from The Mines Press and
youll know that your promotional gifts and correspondence
will deliver the message of quality as well as care
httpinsuranceminespresscom
IIABA members can now save up to 34 on shipping
services with UPS For more information or to enroll in this
program please go to www1800memberscomiiaba
or call 1-800-MEMBERS (18006362377)
8 amndash6 pm EST M-F
IIABA members enjoy special savings and upgrades on car
rentals from Hertz If you need your corporate discount
number (CDP) email brettsuchiiabanet