sc agents & broker magazine - fall 2009
DESCRIPTION
Trade publication by the Independent Insurance Agents and Brokers of SC for the entire industry, members and nonmembers alike. Vol. 3, ed.4 - October 2009. Features include Young Agents and Education spotlights, Outstanding CSR of the Year winner, Young Agents Conference and Jr Golf event recaps and articles on using TLS secured email, defining a "great relationship" with your clients, and the E&O implications of client miscommunications.TRANSCRIPT
generalcasualty.com
General Casualty is a registered service mark of General Casualty Company of Wisconsin.QBE and the links logo are registered service marks of QBE Insurance Group Limited.All coverages underwritten by member companies of QBE. © 2009 QBE Holdings, Inc.
GLOBAL SOLUTIONSMEETLOCAL SUPPORT.
We’re General Casualty®.
We’re the regional insurer you already know, always there
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than ever—because we’re stronger than ever. General
Casualty has joined QBE®, providing local hands with the
international reach needed to solve even your most
complex challenges.
We are now QBE Americas Division.
And we’re working for you.
Vaca
nt P
rope
rty
Insure Wisely™
Morehead City, North Carolina 252.726.8992 fax 252.726.9484moreheadcity.burnsandwilcox.com
When you partner with the experienced professionals at Burns & Wilcox, you’ll fi nd a national network of underwriters with unparalleled access to the leading markets for Vacant Properties. That means broad coverage from a company with the speed, agility and intelligence to get the job done right. Plus, fl exible solutions and large limits in protection against fi re, vandalism and other unforeseen claims. If your client has an empty property, give them the right coverage with a Vacant Property Policy from Burns & Wilcox, North America’s largest specialty insurance wholesaler.
Alan Jay KaufmanChairman, President & CEO
Need a Vacant Property Policy that won’t come up empty?
South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising in this publication or the views of its writers.
Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Caroli-na Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher cannot assume responsibility for claims made by advertisers and is not responsible for the opinions expressed by contributing authors.
For more information on advertising,Contact Jim Aitkins
Blue Water Publishers22727 - 161st Avenue SE
Monroe, WA 98272360-805-6474 fax: [email protected]
IIABSC Staff
G. Frank Sheppard, AAI, CAEPresidentext. 23, [email protected]
Rebecca H. McCormack, CPCU, CIC, AAI,CPIWVice Presidentext. 14, [email protected]
Anita J. TrevinoDirector of Communicationsext. 29, [email protected]
Beth ChastieDirector of Administration & Financeext. 17, [email protected]
Charlene Bernotas, CISR, ACSRAgency Administratorext. 22, [email protected]
Elaine MikellMeeting Coordinatorext. 16, [email protected]
Mary A. EllisEducation Coordinatorext. 12, [email protected]
Jeanette BlossEducation Coordinatorext. 11, [email protected]
Pat FetnerReceptionistext. 10, [email protected]
Lee RuefDirector of State Government [email protected]
Independent Insurance Agents & Brokers of South Carolina
PO Box 210008, Columbia, SC 29221800 Gracern Road, Columbia, SC 29210
803-731-9460 803-772-6425 (fax)e-mail: [email protected]
Advertiser Index
Message from the Chairman of the Board 6
Message from the National Director 8
Protect Your Clients With Secure Email Using TLS 10
2009 Outstanding CSR of the Year Award: Danielle White, CISR, CLCS 14
Spotlight on Young Agents: W. Paul Eaddy, Jr. 18
What Agents Say vs. What Customers Hear 22
Education Spotlight: Kathy Owens Moore, CIC, CISR 28
2009 Young Agents Conference 32
2009 InsurPac Contributors 36
Trusted Choice Big “I” Junior Golf National Championship 38
What Is A Great Relationship? 42
IIABSC Calendar 48
2009 Board of Directors and Executive Committee 50
Accident Fund 29
AequiCap Program Administrators 23
AmTrust North America 51
Auto Owners Insurance Company 45
Bankers Insurance Group 24
Builders Mutual Insurance 11
Burns & Wilcox 3, 5, 52
Capstone Underwriters 30
Custom Assurance 49
Edwin M. Rollins Company 7
FastSnap 47
General Casualty Insurance 2
GUARD Insurance Group 35
Hagerty 43
Hanover Excess & Surplus 17
Hull & Company 12
Installment Discount Corp. 49
Insurance House 21
Jackson Sumner & Associates 19
Johnson & Johnson 26, 27
Market Finders Insurance Corp. 47
Montgomery Insurance 45
Preferred Specialty 43
Prime Rate Premium Finance 37
ProVision Underwriters 13
Sagamore Insurance Company 24
South Carolina Agent Network 31
Southern Insurance Underwriters 9
Southern Cross Underwriters 37
Summit Marketing Services 39
TAPCO Underwriters 33
The National Security Group 39
The Seibels Bruce Group 16
Universal North America 15
FALL 2009
Cover: (Dreamstime: Iofoto) The Arthur Ravenel Jr. Bridge, a.k.a. the Cooper River Bridge, in Charleston,
SC, is North America’s longest cable stay span bridge connecting the City of Charleston and the Town of
Mount Pleasant along Hwy 17. Opened in 2005, it was a monumental project that took four years in construc-
nation. Whatever the size of the project, the SC Big “I” has several product and services available for our
-
Contents
Employee Negligence
Job Site Hazards
Theft of Tools & Equipment
At Burns & Wilcox, we have you covered — from course of construction defects to employee mishaps and job site hazards. Our national network of experienced underwriters and brokers has strong relationships with specialty markets, making sure your client gets the quickest turnaround and most competitive rates possible. Plus, a Contractors Coverage policy from Burns & Wilcox carries broad protection and fl exible solutions uniquely tailored to each risk. So if you’re looking for aninsurance company with the speed, intelligence and agility to take care of your client’s contracting job, look no further than the professionals at North America’s largest specialty insurance wholesaler.
Alan Jay KaufmanChairman, President & CEO
Course of Construction Defects
Window & Roof Leaks
Who can hammer out a solution for any remodeling Contractors Policy?
Cont
ract
ors
Insu
ranc
e
Morehead City, North Carolina 252.726.8992 fax 252.726.9484moreheadcity.burnsandwilcox.com
“I pay those dues year after year and all I get is
another note from the latest Chairman of the Association
touting the value of being a member of the Big ‘I.’ Big
deal! They don’t have a clue what goes on in my agency in
my town! Where’s the value?”
Or you might say, “You know if it wasn’t for the health
insurance and the E&O coverage I wouldn’t get anything
out of it.” And “….by the way, the health insurance is
too bleeping expensive and it didn’t pay for the one claim
my “girl“ had last year, and so then she came and asked
for another bleeping raise. They have these big staffs in
Columbia and in Washington …so what the heck do they
do for me anyway? Where’s the value?”
I hear you, really. But let me go ahead and tell you
what that Association does for you. First and foremost
it is your voice in both Columbia and Washington. Your
issues that affect the way we do business every day, no
matter where your agency is located. Here’s value!
Some examples over the years:
Auto Reform- has changed the landscape of auto
insurance sales and the number of companies willing to
do business in SC. I remember as a marketing rep. for a
major insurance carrier in the late ‘70s having discussions
about the number of auto policies sent the month before
(5 to 10) and if it continued it would put their contract in
jeopardy. Boy, have things changed! Now they are doing
anything they can to get us to send them auto business.
Here’s value!
Wind and Hail – Wind has been a major issue over
the years, and on your behalf your Association has worked
to increase the aggregate amount of coverage available. An
example of coverage enhancements include replacement
cost vs. actual cash value for primary homes as well as
no waiting period for a closing when a new mortgage is
involved. I remember the start of this effort in the early
‘80s and working with the SC Wind & Hail Underwriting
Association board and staff to encourage the many changes
Legislative - Behind the scenes your Association has
worked to target legislation that would affect the way we do
business on both the state and federal levels. These issues
issues, terrorism coverage, licensing issues and currently
health insurance. Your Association is on top of that issue.
The Big “I” is known and respected with legislators for the
trusted counsel that we provide on all the issues mentioned.
Isn’t that worth supporting? Here’s value!
Education – Your Association provides at least ten
sessions of ongoing educational opportunities each month
around the state including CE courses and sales and
customer service seminars. Just ten years ago, that average
was closer to half. That average continues to grow, as we
have just added another course of designation classes for
construction industry specialists called CRIS. National
provides other opportunities through the Web site to take
online courses, “Ask the Experts” and look up topics of
interest through the Virtual University. Here’s Value!
Thanks to all those who make our Association what it
is today, what it has been and what it will continue being
in the future.
You can be assured that your board and staff work
on your behalf to protect your interests and to be good
stewards of your Association at much greater the value
than those of your membership dollars.
I am proud to be a member of an organization that
not only stands on principle for its members but more
you are too!
Here’s the value!
Or visit us at: www.RPSins.com/Rollins
opefully you saw the announcement earlier in
the fall about a new web-based agency resource called the Big “I”
Virtual Risk Consultant (VRC) powered by Rough Notes to help
members better serve their customers, generate increased sales
and lower their exposure to E&O claims.
VRC is just another of the many tools and resources that
are available to Big “I” members to help with your agency and
customer loss control efforts. Here is a brief snapshot of a few of
them, starting with the VRC:
Virtual Risk Consultant - The VRC offers a comprehensive suite
of tools to help agency staff better understand customer operations
should a claim arise. This powerful product allows members to
create more professional customer proposals and effectively
explain complex insurance coverage. The VRC also provides
invaluable content to assist the agency in successfully promoting
its services in the way of pre-written business letters and hundreds
of articles for use in customer communications and marketing.
Members can learn more and purchase the VRC directly at www.t
Agency Shield Program™ (ASP™) - Swiss Re’s Commercial
Insurance (underwritten by Westport Insurance) has developed
an insurance agency E&O claims prevention consulting program
exclusively for Swiss Re clients. It’s called the Agency Shield
Program™ (ASP™), and it was designed with all the tools you
need to reduce E&O exposure, improve client service and build
your agency is eligible for a 10% credit at your next insurance
agency E&O renewal.
The program starts with an easy, yet comprehensive, online
survey about your agency’s processes and current risk exposures.
After completion, Swiss Re’s ASP™ Coordinators will assess
areas of improvement in your current policies and procedures.
The action plan includes a series of easy to implement steps and
recommendations for reducing E&O exposure, strategies to ensure
high-quality client service, and counsel on ensuring compliance.
The goal of the ASP™ is to help your agency establish a
standardized process that makes your E&O procedures focused
agency, please contact Charlene Bernotas at cbernotas@iiabsc.
com or 803-731-9460.
Risk Management Web site - Big “I” members whose agency
E&O insurance is written by Swiss Re through the Big “I”
Professional Liability Program have access to an exclusive risk
management web site. Log on (same username and password
as IIABSC web site*) for E&O claims frequency data, real-life
case studies and analysis, sample client letters, sample agency
procedures, agency E&O self assessments, podcasts on important
E&O topics and much more. www.iiaba.net/EOHappens
Virtual University - The Big “I” Virtual University is the leading
technical insurance and agency management information source
in the industry-developed for agents, by agents. The resources
at the VU are available to all IIABSC agency members. Log on
with your IIABSC username and password* and then check out
the QuickLinks to the some of these topics: Coverages, Sample
ISO Forms, Business Practices, Special Features, Checklists,
Charts and White Papers.
The VU provides access to hundreds of insurance, business
and technology articles written by volunteer faculty and other
contributors. Technical insurance articles often include links to
on many issues affecting today’s insurance marketplace. www.
iiaba.net/vu
*Find out your member username and password by clicking the black *
“Forgot username or password” link under the member log-in area and
inputting your email address.
Big “I” Offers Great Resources for Loss ControlH
General Liability
Artisan Contractors
Habitational
Special Events
Professional Risks:Liability, EPLI,
E&O, D&O
High Valued Property, Including Coastal
Large Nationwide Accounts
And Much More…
COMMERCIALLINES
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Homeowner products – HO3, HO4, HO6, HO8, HO10
& High Value HO Dwelling Fire products for owner occupied, tenant
occupied, seasonal, secondary, short term rentals
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Monoline Umbrella, Excess Umbrella, Excess Personal Auto, Excess Watercraft,
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PERSONALLINES
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..
mail is now entrenched within business workflows
and is how a significant amount of business is transacted between
agents and carriers. The words shared between the parties are
often critical to the business relationship and contain information
of a sensitive nature that if lost or stolen could be harmful to
either party.
Why secure email is importantThe use of Real Time rather than email is the best option for
moving sensitive client data between the agent and carrier when
available, because Real Time is highly efficient and transports
the data directly between the agency and carrier systems in an
encrypted form.
However, when email must be used to send communications
with sensitive client information (such as that contained on
some commercial lines applications), it is important for agents
and carriers to use secure email. If the email is not secured, the
contents of the email and any attachments can be intercepted and
read as they travel across the Internet in the same way an open
postcard can be read when sent through the mail. If an unsecured
email is intercepted, the agency would face a security breach
creating a significant risk to the agency’s reputation and potential
E&O exposure.
The inefficiency of traditional secure email applicationsThe traditional approaches to protecting email have included
using tools to encrypt the document attachments, or services such
as ZIX or Tumbleweed. Encryption of the document attachments
suffers from difficulty in using the tools (which need to be
purchased and learned) and remembering decryption passwords.
Services such as ZIX or Tumbleweed insert themselves into the
actual transmission process changing where the email is sent and
how the recipient reads it, as well as adding additional costs due
to usage or licensing fees.
There is no shortage of email protection products. Each vendor
offers its own benefit package in what is typically a proprietary
solution. While there are market leaders, customers looking for
the best solution don’t always follow this metric. As a result,
Company A often cannot share encrypted email with Company
B since they have implemented different proprietary solutions.
This lack of convergence is troubling and can be expensive since
multiple products and services must be implemented and used by
one company to simply protect its email to other companies.
In a browser analogy, imagine if you needed to use a
different browser for each of the web sites you visit. The web
site owner would sell you the site browser and instruct you to
use it whenever you visit. In this scenario you would have to
While using Real Time is the best option for moving sensitive client data between agents and carriers,
independent agencies and carriers still must use email in certain circumstances and are in need
of workflow friendly secure email solutions. Proprietary email solutions create inefficient agency
workflows, require the retention of additional passwords, and require agents to go to the carrier Web
site to retrieve email. Agencies and carriers are encouraged to implement a much more efficient and
cost effective approach to secure email by enabling their email servers for TLS (Transport Layer
Security) email encryption. This article explains how TLS works.
The Hartford
E
with TLS
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maintain a list of the browsers to use with each site you like to
visit.
Now consider having to go to each carrier’s Web site to retrieve
secure email, learning the different workflows and functionality
of each carrier’s email application, and remembering a whole
new layer of passwords for each carrier’s email. Sounds pretty
ugly, doesn’t it?
Enter TLS: a better alternative built upon an open standardEnter into the world of standard designs, mechanisms and
solutions. We see the benefits of standards all around us. Width
of road surfaces, train tracks, and the vehicles that travel on
them are good examples of where standards are crucial. It would
severely impact travel if one road or track could not “connect” to
another. The proprietary email encryption solutions mentioned
above are good examples of a world without standards. One
company’s email safeguard may not be able to communicate
with another’s unless a solution such as TLS is used.
TLS (Transport Layer Security) provides an IETF-defined
(Internet Engineering Task Force) industry standard protocol to
protect emails sent over the Internet. It is built into most email
gateways used today (MS Exchange/IBM Lotus Notes) and is
simply “turned on” via a click of the mouse. TLS requires no
changes to the end user (sender or receiver)—they simply benefit
from the encryption it provides during transmission.
How TLS worksUnder the covers, TLS operates independently of the email
user. When an email is sent from one domain (Agent or Carrier)
to another (Agent or Carrier), the servers that control transmission
negotiate to determine if TLS is enabled. If it is, then the servers
transmit the email within an impervious TLS tunnel that protects
all message content including attachments.
Carrier and agency email administrators can set the TLS
option to send using TLS when sender and receiver are capable
(opportunistic mode), send only if both parties are TLS capable
(required mode), and send without protection if TLS is not
supported by both.
It is highly important that the agency use an IT professional
to set up TLS on its email servers for incoming and outgoing
emails. Your IT professional can also tell pretty easily which of
your carriers are enabled for TLS. It is also necessary for the
agency’s third-party spam/anti-virus service to be configured to
send and receive TLS encrypted email. Many third-party hosted
email applications do not appear to have incorporated TLS, but
agents should inquire of their vendors.
TLS provides protection between the agency and carrier
email servers. The agency’s IT professional also must take
care to employ the proper security safeguards to protect agency
information, as well as emails, while within the agency’s
systems.
TLS also provides a practical way for an agency to provide
a secure email pathway for communications to and from
commercial clients that have the capability to TLS enable their
email servers. This added measure of security will be appreciated
by clients and will provide them with the capability to provide
for more secure communications with their other trading partners
that can enable TLS.
TLS is a security manager’s dream solution—one that requires
no work on the part of the end user yet protects email content.
It uses an industry standard protocol that is freely available
and implemented on most email platforms. For the agency, it
is more cost effective than proprietary vendor email solutions
and is already included on most email servers. The added cost
for the agent involves the fee for the agency’s IT professional to
properly enable its email server for TLS and the cost of an email
certificate (between $70 and $400 annually depending upon the
email server’s configuration). And for individual agency staff,
does not require set up, training or having to remember and use
a password to retrieve every email.
In this day and age of focus on security, all email gateways
and servers should be configured to use TLS if it is available.
Encourage your carriers to provide you the TLS option for secure
email and explain to them how TLS is a far preferable alternative
for agents than having to learn and then use each carrier’s unique
proprietary secure email system.
For more information on TLS, please see the Agents Council
for Technology web site, www.independentagent.com/act, under
the “Security and Privacy” quicklink.
Jim Rogers ([email protected]) is Director at The
Hartford and responsible for Distribution Technology Strategy.
Jim also chairs the ACT TLS Email Encryption Work Group and
produced this article for ACT (www.independentagent.com/act).
This article reflects the views of the author and should not be
construed as an official statement by ACT.
Danielle White, CISR, CLCS
DD
This is my Sunday drive.
These days, it’s hard to fi nd time to nurture even the most importantrelationships. Not at Universal North America®. We do everythingwe can to guarantee you and your customers get the attention youdeserve, and our agents notice a difference from day one. We offer:
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Insurance products are issued and underwritten by one of Universal North America’s insurance companies: Universal North America Insurance Company or Universal Insurance Company of North America. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states. © 2009 Universal North America.
JACKSON SUMNER & ASSOCIATESExcess & Specialty Lines Broker
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Interested? 800-342-5572 ste art@ sausa co
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Experience the JSA
Some things never change.
Gaye VonCannon, 1964
Gaye VonCannon, CPIW, 2009Sr. Underwriter, Insurance House919.383.9439/800.678.1662, Ext. [email protected]
Stable, reliable, consistent for 45 years.
Founded in 1964, Insurance House is a managing general agency for personal, commercial and E & S business. Insurance House proudly serves independently owned retail agencies with underwriting expertise and access to carriers rated A- or better by AM Best.
Times change, challenges change, but our purpose remains steadfast: to be the people who make the insurance experience better.
You can count on me.
“ Without Gaye’s help, I could not survive the world of insurance.” – Patricia Griffith, VP, Southeastern Insurance Agency
D e l a w a r e | D . C . | G e o r g i a | M a r y l a n d | N o r t h C a r o l i n a | S o u t h C a r o l i n a | T e n n e s s e e | V i r g i n i a(919) 383-9439(770) 952-0080(919) 383-9439(919) 383-9439(301) 439-4700(770) 952-0080(301) 439-4700(301) 439-4700
well known “Far Side” cartoon by creator
Gary Larson answers an ancient question in two simple panels:
one entitled “What we say to dogs” and the other “What they
dog, Ginger, for getting into the garbage and demands that she
refrain from doing so in the future, concluding with that most
subtle and mysterious of threats: “or else!” All the while, Ginger
just sits before him, eyes closed, listening in Zen-like calm.
Why not? As the second panel makes clear, all she hears is
“blah blah blah Ginger blah blah blah…” The soothing sound
of her owner’s voice speaking her name is all she needs to hear.
This cartoon became immensely popular because Larson’s
pen and wit perfectly captured a communications disconnect
I believe that you hear and understand, while you listen and
believe that you comprehend—and both of us are dead wrong.”
Regrettably, insurance professionals and their customers fall
prey to this misunderstanding all too often. For example, take
an agent discussing the insurance needs of a new commercial
customer, let’s call it Ginger Industries, rattling off several types
of protection that Mr. Ginger might be interested in, including
business interruption coverage attached to a package policy.
Skip to panel two, where the customer hears: “blah blah blah
lost income blah blah blah…” The look on his face tells you,
unmistakably, that he understands the intricacies of business
interruption coverage.
Fast forward to the process server appearing at your home
familiar tale: Ginger Industries’ business has been interrupted
several times over the past year by all manner of calamities
that cost him a lot of money, so he turned in a claim on each
occasion, expecting the “hole” in his bank account to be made
“whole.” It turns out that what the customer took from your brief
conversation was this: “If my business is ever interrupted, for
any reason, this policy will replace all of my lost income.”
Unfortunately, the coverage is not nearly so broad. On
the contrary, the carrier denied claims based on the absence of
What Agents Sayvs.
What Customers Hear “...blah blah blah...
blah blah”
A
“YADDA YADDA YADDA” NO MORE
Once a customer expresses understanding and accepts
business interruption protection, you should begin a
long and detailed conversation. Among the questions
agents need to ask: What is the nature of your business?
Where are your facilities? Where is your equipment
used? Stored? Who and where are your customers?
Who and where are your critical suppliers? How much
coverage is needed and over what period of time?
Once you understand and make your
recommendations, there is still the all-important panel
two to consider: Does the customer comprehend your
recommendations? Does he understand what is covered
and, most important, what is not?
—M.D.
by Matthew Davis, JDAVP Claims and Liability Management, Swiss Re
3000 West Cypress Creek Road . Fort Lauderdale, FL 33309-1710 . 1.800.275.2800 . www.aequicap.com
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“dependent property coverage” where,
granted, Ginger Industries’ facility was
unscathed, but its largest customer was
resulting in a huge loss of orders. The
term “civil authority” was used in
connection with a tsunami that forced
many of its clients and employees to
More orders lost and production halted,
further reducing income. Something
about an “exclusion” for “off-premises
power failure” was bandied about,
as well. And the one claim that was
actually paid was subject to a $10,000
sublimit.
The carrier gets dismissed from
the case because all of its policy
interpretations are correct. Your agency
is left holding the proverbial bag. Your
client is simply telling the court what
he remembers. You’ll tell the court that
you remember things very differently.
Then, it will be for the jury to decide
who they believe.
You can avoid this situation!
Use lay terms, not business jargon,
to make sure your customer clearly
understands the full picture. (See
sidebar, p.22) It is likely that the
customer will reject a number of your
suggestions as too expensive or the risks
of loss too remote to warrant paying
for the coverage. That’s OK! Simply
memorialize in a short letter the
offer of recommended coverages and
the customer’s declination, and the
documents will speak for themselves.
At least this way there will not be any
unpleasant surprises for either of you
resulting from miscommunications that
are entirely avoidable.
Keep that look of Zen-like
contentment on your customers’ faces,
and save “blah blah blah” for the dog.
BANKERS INSURANCE GROUP
Making your
life easier.
Rated A+ by A.M. Best
Point-of-Sale Technology
Direct Bill
Outstanding Claim Service
Annual Policies
High Commission
www.sagamoreinsurance.com
Kristin Cummings
Territory Sales Manager
P: (800) 317-9402 ext.848
Marketing Administration
P: (800) 317-9402 *Option 8
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Personal & Commercial Lines List ProspectingThis new prospecting tool enables you to identify both personal lines and commercial prospects. This tool offers thousands of criteria combinations and gives you the ability to get very specific results. The commercial search allows you to use SIC codes to pin-point the business sectors you would like to market to. When it comes to campaign marketing, ProspectNOW will save you time and money. Read on how you can use DirectMailNOW to send marketing materials to the prospects you find!
Online Insurance Leads GenerationLet’s face it. Do-Not-Call lists, expensive yellow page and newspaper ads and costly telemarketing makes it harder to market personal lines of insurance. With dozens of companies selling insurance leads, how can you tell which one is a good fit for you? With the help of LeadsNOW, you can now buy leads with confidence! The best leads available at an IIABA member discounted price! Be one of the first 1,000 to register for MMAC and receive $100 in free leads...no strings attached!
Consider Us Your Agency’s Print Marketing Team!Print marketing campaigns have never been easier! You have access to pre-designed, customizable marketing materials! Choose the product you would like to market and choose any or all of the items you would like to include in your campaign, add your agency’s contact information and you're done! With DirectMailNOW, you can send your postcard mailing with a touch of the mouse...it’s really that easy!
Cross-sell Your Current Book of Business with MMAC!It’s no secret that cross-selling is the easiest way to grow your business. It is easier and less costly to sell another line of business to an existing customer than it is to find and sell a new one. Plus the more lines of insurance a customer has with you the more likely you are to keep their business. CrossSellNOWcan help you have a higher retention rate, and with that, comes more revenue to your agency!
Increase client retention with quick and easy newsletters!Everyone knows that improving an agencies retention ratio is the least expensive way to grow policy count and premium. The cost of retaining customers is less than the cost of finding and acquiring a new one. With the RetainNOWservice, improving your retention has never been easier! MMAC newsletters are written and reviewed by insurance professionals and ready for you to download and send!
Better manage your agency with lessons from the pros!Managing an insurance agency is not easy. It’s hard enough attracting and retaining clients. Staying on top of agency management issues can be a daunting task. With the ManageNOWservice, you can tap into a comprehensive online archive of webinars and audio/video presentations with top consultants and agents sharing their knowledge on “hot topics” designed to help you better manage your agency!
Prospect Leads Print/Mail Cross-sell Retain Manage
We are offering access to MMAC at an INTRODUCTORY ANNUAL FEE OF $18.96!Why $18.96? The Independent Insurance Agents & Brokers of America association was founded at the turn of the 20th century, (1896 to be exact) and we are celebrating how far we have come together by offering this great new service to our members at an incredible discount!
For more information on this exciting new member marketing service, please contact [email protected] or 800-221-7917 Ext. 5464.
Register for Big “I” Markets and MMAC at www.bigimarkets.com
BIGIMARKETS
The sign-up process is simple. You can pay for MMAC by credit card and begin taking advantage of the many agency marketing tools within minutes. To Register, visit www.bigimarkets.com and click the MMAC logo. However, you must
first be registered for Big “I” Markets. Register for Big "I" Markets for FREE in minutes at www.bigimarkets.com.
Don’t miss out on this introductory offer!The first 1,000 MMAC registrants receive $100 towards hot Insurance Leads!
Introductory member offer:
$18.96/year
Se
rvin
gIn
dependent Agents &
Co
mp
an
ies
Since 1930
JJ
Getting the right coverage at the right price is essential, and J&J knows that finding it quickly is more important than ever before in today’s marketplace. At J&J, we continually strive to streamline our processes while adding markets for our valued South Carolina Agents, and that’s why we are so excited about our New Homeowners Program, with the ability to quote and bind online!
Need to write an HO3 on a vacant home … inside the wind pool … with wind coverage? Not a problem ! In fact, you can quote and bind tenant, primary, and secondary/seasonal occupancies on an HO3 form in a flash! Dwelling values up to $1 million can be quoted on our website at your convenience, 24/7. For values over $1 million, just give us a call or email a completed application to our quote team at [email protected]. Submit your request by 2 PM and we will respond by 5 PM the same business day. That’s our service standard, and that’s our promise to you. Contact J&J today and discover for yourself just how easy it is to obtain an HO3 quote in record time!
JJPF is ready to assistyour clients with premier
premium financing. Chat with us online at
www.jjpf.com!
800.868.5573
Quote more classes on an HO3 ....
FAST with J&J!
Chase WarringtonSC Marketing Representative
843.469.1320 or [email protected]
Willie DoddsTerritory Manager
843.442.1017 or [email protected]
Johnson & Johnson800.487.7565www.jjins.com
1975 at age 19. It wasn’t to make insurance my profession, but
to help feed my family. I worked for two brothers who shared
two months I knew that I really liked my job, not because I was
found a place where I didn’t easily know all the answers. Many
of the terms were just words in black and white, and yet there
were many “gray” areas that required education and experience
to understand.
It was strange once the bits and pieces started to come
together and make sense. I had started with being a consumer,
and then became consumed
with making sure I knew
how to explain coverages
to people, which meant I
had to understand them
myself! So there I started my
education…
After eight months I
realized there was more to
what I was doing, but the
brothers just wanted someone
to take notes and messages for
but I wanted to know more. So in 1976 I began my pursuit of
knowledge and greater understanding of the insurance industry
through education at another agency in Kentucky.
For anyone who wasn’t in the property-casualty side of the
business in personal lines prior to 1985, let me give you some
perspective. It was before advanced copy machines and agency
management systems (the few in existence were for accounting).
I spent my days pounding away on a Royal typewriter, creating
you got them back without red marks indicating errors, then you
Then when claims came in; wow, what a hot seat that was!
I learned so much by seeing what was covered and what wasn’t
and why. How could I ever explain anything in a way that would
make sense? Then in 1986 after the agency was sold I moved
to Midland Insurance Agency
in Ashland, Ky., owned by Mr.
Greg Willis.
Greg has a structured
approach to his business, which
is why he’s still in business. I
was encouraged to put a personal
stamp on my work and begin my
formal insurance education. The
CISR designation series had just
been introduced in Kentucky,
goodness I had obtained a little formal knowledge, because soon
came the very limited “computer” to connect to companies and
streamline our work, supposedly giving us HOURS of extra time
Kathy A. Moore, CIC, CISRTurbeville Insurance Agency
I
Education Spotlight:
“In recent months, our slowing economy has actually given us a chance to shine as we must justify the value of our policy and the services we can provide. We educate them. Every single time we make contact we should be thinking of ourselves as educators.”
Thank you for your partnership in driving our success!
In A.M. Best’s recently released market share report, Accident Fund is now ranked the 10th largest writer of workers compensation in the country — just five years after ranking 20th!
Since we began our national expansion in 2000, our goal has never been to become the biggest workers compensation insurer. However, we take pride in this ranking because we’ve achieved it
by remaining true to our business model — delivering franchise value
and partnering with you to provide superior service and value for
our policyholders.
w w w . a c c i d e n t f u n d . c o m
Thank You,Agent Partners!
just for quoting and making more money. (Whew, we really had
it going for us, didn’t we?)
In December 1991 after moving to Columbia, I went to
work for Charles Dorton at Russell-Massey & Company. It was
a wonderful new type of educational experience …COASTAL
of confusion over new technology, each company’s new and
varying ways of doing
things and changing
from agency billing to
direct billing. Agents
everywhere were feeling
as if we were losing a
grasp on our business.
Then came download,
comparative rating and
company web sites,
and we just knew Big
Brother was watching!
After becoming
President of the AMS Users Group for two years, working with
users group introduced its own educational seminars and became
very active in being a resource for new download agencies and
companies we represented. I think we did our part to ease that
building tension over technology and in
turn helped strengthen the independent
agency system in SC.
In November 1998, I went to work
for Bill Turbeville of Turbeville Insurance
a whole new way of looking at a bigger
picture. But I was still always encouraged
to reach higher. I became a part-time
instructor of the mini-series of insurance,
the CISR program. CISR is an excellent
educational foundation for any person
in the insurance business who wants to
understand the components of insurance
next major step in formal insurance
education was the CIC program, which
gave me the comfort of knowledge,
because I learned the limitations of my
knowledge and how to gain more.
In 2005, we opened our fourth
location, in Beaufort. So now, when we
consider education, especially about
coastal risks, it is clear that insurance
and insurance knowledge have important
of Rita and Katrina, we not only need to be aware
of the companies’ underwriting rules and restrictions,
but also the limitations of coverages. In recent
months, our slowing economy has actually allowed
us to focus on more intensive customer service and
given us a chance to shine as we must justify the
value of our policy and the services we can provide.
We educate them. Every single time we make contact
we should be thinking of ourselves as educators.
So from rural Kentucky, to metro Columbia to coastal SC, I
have not only had formal insurance education but also one of the
best educations that life could provide: the evolution of working
as an independent agent.
“CISR is an excellent educational foundation for any person in the insurance business who wants to understand the components of insurance policies,definitions and coverages.”
“My next major step in formal insurance education was the CIC program, which
gave me the comfort of knowledge,because I learned the limitations of my
knowledge and how to gain more.”
Professional Liability, GL,
Physical/Sexual Abuse,
Umbrella and other
important coverages
now available for:
1 800 582 45441 800 582 45441-800-582-45441 800 582 4544
www.capstoneunderwriters.comb OMember: AAMGA NAPSLO LSLA PIAMember: AAMGA, NAPSLO, LSLA, PIAMember: AAMGA, NAPSLO, LSLA, PIA
C A P S T O N E A L L I E D M E D I C A L
Proven Success.
Proven Results.
* Coastal territory now accepting
a limited number of agents.
Conference
“Changes in Latitudes,
Changes in Attitudes”
Jully 30 - Aug 2M
MMyyrtrtle Be h, SC
Sponsors:A&I Fire and Water Restoration
AFCO/ Prime Rate Premium FinanceAllstate/ Encompass
Auto-Owners Insurance GroupBankers Insurance Group
Builders Mutual InsuranceCentral Insurance Companies
Continental Special RisksEmployers
The HartfordHull & Company
IIABSC AgencyJackson, Sumner & Associates
Johnson & Johnson, Inc., Mgrs., CMGAThe Kimbrell Company
Montgomery/ Liberty Agency UnderwritersNational Risk Solutions
NCCIOcean Potion
Premium Assignment Corp.Progressive
SAFECO InsuranceSelective Insurance
Southern Cross UnderwritersSt. Johns Insurance Company
TAPCO UnderwritersTravelers
Universal Company/ Seibels Bruce GroupUniversal Property & Casualty
Zurich Small Business
800-334-5579www.gotapco.com
The TAPCO Service Pledge
1,000 Strong More than 1,000 classes of P&C business
written under binding authority.
Call. Quote. Bind.
General and Artisan Contractorscoverage in a five-minute phone call
What’s asreliableas a solid foundation?
Go to www.iiabsc.com
for more photos of the
2009 Young Agents
Conference
One-Stop Insurance Shopping
GUARD now features a comprehensive insurance solution that offers the multiple lines of coverage typically
needed by small- to mid-sized businesses. When your South Carolina clients get both their Workers’ Comp
and Businessowner’s Policies from us, special discounts become available as well as consolidated billing. Call
us to learnmore about our underwriting appetite, which includes some coastal exposures.
A- (”EXCELLENT”) A.M. Best Rating
To request an agency appointment,
visit www.guard.com/apply
OR call 800-673-2465, ext 4567.
Coverage extensions
Increased limits Price discounts
Good income potential
Our and other complementary lines include:NEWBOP
Secure, Competitively
Priced Protection
For employees
For vehicles and fleets
Workers’ Comp
Commercial Auto
For property and liability
For added protection
Businessowner’s Policy
Commercial
Umbrella
ASK US ABOUT
. . . our underwriting
appetite for
s!
coastal
exposure
Millennium ClubJon Jensen Correll Insurance Group
Centennial ClubJulius Anderson Anderson Insurance AssocsJohn Braddy Braddy Insurance, IncAshley Brady First Charter Company John Cook John T. Cook & AssociatesKen Finch Countybanc Insurance, Inc.Kathy McKay McKay Stelling & AssocsR Scott Moseley Irmo Insurance Agency IncChris Tidwell Tidwell AgencyAndrew Theodore Theodore & Associates
Gold ClubFaye Bradham Bradham Insurance AgencyPeter Burrous Johnson & Johnson, Mgrs.Wayne Gosnell Gosnell Insurance & Assoc.Dana Groome Peoples Underwriters, IncCharles Paul Midgley Midgley AgencyRussell Parker Riley & AssociatesJack Puckett Capstone Insurance SrvcsJames Rowe Kinghorn Insurance ServicesFrank Sheppard IIABSCJames Taylor Kinghorn Ins. Agcy/Beauf.Charles Webb Kinghorn Ins. Agcy/ Beauf.
Pioneer ClubRuth Brady First Charter CompanyBeth Chastie IIABSCDavid Cyphers Sifford Stine Ins. Agency Scott Derrick Derrick Insurance Agency Charles Dorton Russell Massey & Co.Lee Ellis Ellis Realty & Ins. AgencyLarry Joyner CWS Insurance AgencyTheodore Mappus Mappus Ins Agcy Inc Becky McCormack IIABSCJohn Paul Anderson Ins. AssociatesGloria Spivey Howard B. Smith Agency John Vann BB&T Carswell Ins ServicesRichard Walker Cormell Streett & PattersonCary Wilson Smart Choice Agents Program
Founders ClubAnna Bailey Bradham Insurance AgencyBryant Bair Anderson Insurance AssociatesLeighton Besse C.T. Lowndes & CompanyWilliam Braddy Braddy Insurance, IncBarbie Bradham Bradham Insurance AgencyTimothy Briles The Briles CompanyW. Cooper Carter Pinckney-Carter CompanyJeffrey Cook CWS Insurance AgencyMark Felk Brown & Brown of SCRod Fountain Endeavor Employer ServicesAlex Fournil Vista Insurance GroupKimberly Gore Associated Insurors/ First SE InsRob Hammett CWS Insurance Agency Wade Hardin CWS Insurance AgencyMelody Herring Russell Massey & Co.Felix McLellan Dillon Insurance AgencyTommy Suggs Keenan & Suggs Nate Toms CWS Insurance AgencyRae Whisenant CWS Insurance AgencyStephen Williams CWS Insurance AgencyMatthew Wiseman Peoples UnderwritersArthur Yex CWS Insurance Agency
General ContributorsLinda Barnes Countybanc InsuranceMarshall Benson Benson Insurance AgencyCharlene Bernotas IIABSCJames Berry Safeco InsuranceJeanette Bloss IIABSCTammy Blount-Wright John T. Cook & Assoc.Chad Boozer Russell Massey & Co.William Boswell Capstone Insurance ServicesWilliam Bowers Russell Massey & Co.Tammy Brookshire Countybanc InsuranceDavid Brown Countybanc InsuranceConnie Bullard Braddy InsuranceDennis Catoe Builders Mutual Insurance Co. Barbara Causey Braddy InsuranceMildred Chavis Countybanc InsurancePaul Clark Adams Eaddy & AssociatesSarah Clemens Kinghorn Ins ServicesGary Cornell Prime Rate Premium FinanceLaura Cornell Universal Ins Co./ Seibels BruceCarrie Cox John T. Cook & Assoc.Levi Crawford Anderson Insurance Associates Melanie Darley Countybanc InsuranceJennifer Davis Braddy InsuranceMichael DiMaina Assoc. Insurors/ First SE Ins.William Dodds Johnson & JohnsonBrian Eanes Anderson Insurance AssociatesSusan Edenfield Anderson Insurance AssociatesHaley Everett Jackson, Sumner and Associates Pat Fetner IIABSCMark Frye Anderson Insurance AssociatesBill Fuge Kinghorn Insurance ServicesWayne Godfrey Lang & Gore Risk ManagementHelen Graham Bradham Insurance AgencyTeresa Graham Bradham Insurance Agency George Hagood Hagood Insurance AgencyAngelee Harris Bryan Hatfield Palmetto Pride InsurancePaul Hicks Johnson & JohnsonWilliam Hixon Hixon Insurance AgencyEric Holcombe Irmo Insurance Agency Inc Brad Hottel McKay Stelling & Assoc.Shannon Huffman Irene Huggins Braddy InsuranceCarrie Johnson Carrie Johnson Agency, Inc. Francis Johnson Johnson & Johnson, Inc. Mgrs.Marshall Keys Palmetto Ins AssociatesMichele Kimbrell First Charter CompanySharon Koches American Institute for CPCUChristina Lambert Braddy InsuranceTenna Lang Lang & Gore Risk ManagementBarbara Jo Leopard Countybanc InsuranceBrandi Lightner TravelersGregg London AmTrustMary Mahoney Irmo Insurance Agency IncLarry McLean Debbie Miller Irmo Insurance Agency Inc Jennifer Miller Carrie Johnson AgencyMary MonroeCharles R. Moseley Irmo Insurance Agency Benjamin Myers Russell-Massey & Co.Robbie Nalley Creech Roddey WatsonJulie Nelson John T. Cook & Assoc.Eleanor Oswald Anderson Insurance AssocsLynn Owens Aiken & CompanyChris Oxford Pinckney-Cater CompanyAdam Renken Anderson Insurance AssocsRobert Sanders Preferred SpecialtyCliff Shealy Midlands Insurance CenterBrenda Snyder Countybanc InsuranceEdward Spivey Howard B. Smith AgencyKay Summerlin Braddy InsuranceWilliam Thomason Citizens Insurance AgencyMarjorie Toms Adams Eaddy & AssociatesLisa Vliet Zurich NA Small BusinessJoye Wall Anderson Insurance Assocs.E. Welch Kingstree Ins R E & Loan R. Garrett Wreden Kinghorn Ins Agency of Beaufort
InsurPAC
412 First Street CE, Ste. 300
Washington, DC 2003
2009 InsurPAC Contributors(as of Aug. 30)
federal regulation of insurance,
other targeted regulatory reform, producer
compensation, natural disaster insurance
and reform, terrorism insurance, tax issues
(including the depreciation of expirations),
and we can’t forget the current hot-button
issue: health-care reform.
Lobbying and a well-funded PAC go hand
in hand. The IIABA Government Affairs team
uses these contributions to develop working
relationships with Congress members and
get their foot in the door for discussion when
critical legislation is being decided.
Southern Cross
Underwriters
Country Club of Orangeburgwww.iiabsc.com
Ben Fogler,
S E C U R I T Y
NOWAVAILABLE!
Vacant
Dwelling
Eagle SponsorsIIABSC Agency Johnson & Johnson Universal North America
Birdie SponsorJackson Sumner & Associates Main Street America Group Progressive Insurance SAFECO
On Par SponsorAccident Fund Insurance Co. of America Core Advisors, Ltd.
Ellis Realty & Insurance AgencyGeneral Casualty Th e Hartford Small Commercial Kinghorn Insurance Agency of Beaufort
Friends of the TournamentAdams Eaddy & Associates Allstate/ Encompass Insurance American Modern Ins. Group Citizens Insurance Agency Th e Colonial Group John T. Cook & Associates Correll Insurance Group, Inc. CWS Insurance Agency First Charter Company
Doug Gore Hartford Flood Irmo Insurance Agency Kemper, a Unitrin Company Penn National Peoples First Robert Bryant & Son, Inc. Rosenfeld Einstein Russell Massey & Co.Siff ord-Stine Th e Steadman Agency Universal Insurance Company/ Seibels Bruce Universal P&C Insurance Vista Insurance Group
R
What Is a
?
800-747-5348 | WWW.HAGERTYAGENT.COM
When it comes to collector car insurance, we’re firing on all cylinders. Hagerty offers your clients great rates and no mileage restrictions. And you get speedy commission payments and amazing service. We’re fast. We’re easy. We’re better. And that should keep you humming.
For more information on becoming a Hagerty agent, call today.
WHAT DO GLASSES AND THE
BIG “I” ADVANTAGE VIRTUAL RISK CONSULTANT
HAVE IN COMMON?
Big “I” Advantage Virtual Risk Consultant Powered by Rough Notes
THEY BOTH MAKE YOU LOOK A LOT SMARTER TO YOUR CUSTOMERS.
The Big I Advantage® Virtual Risk Consultant powered by Rough Notes (”VRC”) is an online sales and service resource
designed to help your agency better serve your customers. Using this tool will lead to increased sales by improving your
staff’s knowledge of a prospect’s operation enabling them to better identify and cover customer exposures. The VRC will
help your staff better understand the product they sell. It will also assist agency staff with preparing proposals, explaining
complicated insurance terms, and most importantly documenting client files. It is truly a tool that will increase the
professionalism of staff and help your agency grow while limiting your exposure to E&O claims.
Big “I” members have exclusive access to Big I Advantage® Virtual Risk Consultant. The VRC is an incredible value and is
extremely affordable compared to similar products. Visit www.iiaba.net/VRC to learn more and purchase.
Checklists and Questionnaries
ACORD forms library
Pe
Ex
l Lines Risk
valutaion
Policy forms analysis
file documentation
proposal assistant
explain complex coverage
increased sales
marketing articlesbusiness letters
www.iiaba.net/vrc
Jim Flitt
COO
Give us a try...you be disappointed!1200 Woodruff Rd.
Unit G-14
Greenville, SC 29607
(800) 444-4129
(864) 675-0170
fax (864) 444-4129
www.mfic.com Handling the unusual risk...unusuallly well!
Roger Boggs
Underwriter
Randi Lynch
VP/Southern Region
For course descriptions and full calendar, see our Education
& Event calendars at www.iiabsc.com
October13 CISR Commercial Casualty, Columbia, 7 hrs P&C15 CISR Personal Residential Property, Charleston, 7 hrs P&C21 CISR Agency Operations, Bluffton/HHI, 6 hrs P&C or L&H, 1 hr Ethics21 E&O Risk Management, Columbia, 8 hrs P&C or L&H28 AAI 83C, Columbia, 7 hrs P&C or L&H29 CRIS Workers Compensation for Contractors, Columbia,
filed for 6 hrs P&C
November4 Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics5 Surplus Lines Markets & Practices in SC, Columbia, 6 hrs P&C5 CISR Commercial Casualty, Myrtle Beach, 7 hrs P&C11 CISR Commercial Property, Columbia, 7 hrs P&C11-13 CIC Life & Health, Hilton Head, 20 hrs L&H17 CISR Personal Auto, Greenville, 7 hrs P&C19 CRIS Contractual Risk Transfer in Construction, Columbia,
filed for 6 hrs P&C
December8 Commercial Property Lessons from Losses, HHI/ Bluffton,
filed for 6 hrs P&C9 Insurance and the Property Lease, Charleston, filed for 6 hrs P&C10 Commercial Property Lessons from Losses, Columbia,
filed for 6 hrs P&C11 Insurance and the Property Lease, Greenville , filed for 6 hrs P&C15 CISR Agency Operations, Charleston, 6 hrs P&C or L&H, 1 hr Ethics16 CISR Personal Residential Property, Columbia, 7 hrs P&C
January 201013 William T Hold Personal Lines, Charleston, filed for 8 hrs CE13 Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics14 CISR Agency Operations, Columbia, 6 hrs P&C or L&H, 1 hr Ethics19 E&O Risk Management, Rock Hill, 8 hrs P&C or L&H20 Business Income, Hilton Head, filed for 6 hrs. P&C21 Business Income, Columbia, filed for 6 hrs. P&C26 CISR Commercial Property, Myrtle Beach, 7 hrs P&C27 Ethical & Legal Consideration for Agents, Anderson, 3 hrs Ethics27 Ethical & Legal Consideration for Agents, N. Charleston, 3 hrs Ethics
February2 Workers Comp, Charleston, 6 hrs. P&C3-5 CIC Commercial Property, Columbia, 20 hrs P&C10 CISR Personal Auto, Columbia, 7 hrs P&C10 Ethical & Legal Consideration for Agents, Greenville, 3 hrs Ethics11 CISR Commercial Property, Greenville, 7 hrs P&C
16 CISR Commercial Casualty, Florence, 6 hrs P&C17 CISR Agency Operations, Rock Hill, 6 hrs P&C or L&H, 1 hr Ethics23 Roadshow, Myrtle Beach, filed for 6 hrs. P&C24 Roadshow, Charleston, filed for 6 hrs. P&C25 Roadshow, Columbia, filed for 6 hrs. P&C26 Roadshow, Greenville, filed for 6 hrs. P&C
March2 Coverages & Court Cases, Greenville, filed for 6 hrs. P&C2 CISR Commercial Casualty, Bluffton/HHI, 7 hrs P&C3-5 CIC Life & Health, Greenville, 20 hrs L&H9 CISR William T Hold Commercial Lines, Columbia, filed for 8 hrs CE10 CISR Commercial Casualty, Charleston, 7 hrs P&C10 Ethical & Legal Consideration for Agents, Rock Hill, 3 hrs Ethics11 Ethical & Legal Consideration for Agents, Hilton Head, 3 hrs Ethics17-18 IIABSC Spring Conference, Columbia, TBD24 E&O Risk Management, Charleston, 8 hrs P&C or L&H25 CISR William T Hold Personal Lines, Greenville, filed for 8 hrs CE30 Coverages & Court Cases, Myrtle Beach, filed for 6 hrs. P&C31 Ethical & Legal Consideration for Agents, Myrtle Beach, 3 hrs Ethics
April7-9 Ruble Graduate Seminar (CIC), Myrtle Beach, 20 hrs CE13 Ethical & Legal Consideration for Agents, Columbia, 3 hrs. Ethics14 CISR Commercial Casualty, Columbia, 7 hrs P&C15 CISR Agency Operations, Myrtle Beach, 6 hrs P&C or L&H, 1 hr Ethics20 Roadshow, Charleston, filed for 6 hrs. P&C21 Roadshow, Columbia, filed for 6 hrs. P&C22 Roadshow, Greenville, filed for 6 hrs. P&C
Check www.iiabsc.com for complete 2010 Education Calendar
Calendar
2009 Board of Directors
Faye R. Bradham, LUTCF
Bradham Insurance Agency
Conway, SC
W. Paul Eaddy, Jr
Adams Eaddy & Associates
Columbia, SC
Kenneth A. Finch, CPCU CIC CRM AAI (Ken)
Countybanc Insurance Inc
Greenwood, SC
Larry G. Joyner, CIC, AAI
CWS Insurance Agency
Spartanburg, SC
Charles Paul Midgley, Jr.
Midgley Agency, Inc.
Bennettsville, SC
R. Scott Moseley
Irmo Insurance Agency
Irmo, SC
Jasper D. Puckett, CPCU CRM CIC ARM AAI (Jack)
Capstone Insurance Services LLC
Greenville, SC
James G. Taylor, Jr., CIC (Jay)
Kinghorn Insurance Agency of Beaufort
Beaufort, SC
Christopher T. Tidwell, CPCU, CIC (Chris)
Tidwell Agency, Inc.
Lexington, SC
Chairman
Julius J Anderson, Jr, AAI (Jules)
Anderson Ins Assocs LLC
Charleston, SC
Chairman Elect/Treasurer
Kathy D McKay, CIC CPIW
McKay, Stelling & Assocs
Mt Pleasant, SC
Secretary
W. Ashley Brady, CIC
First Charter Co., Inc.
Marion, SC
National Director
John R Braddy, CIC, AAI
Braddy Insurance, Inc.
Dillon, SC
Immediate Past Chairman
Jon A Jensen, AAI AIP
Correll Ins Group
Spartanburg, SC
Directors
Executive Committee
AmTrust North AmericaAn AmTrust Financial Company
more than
Com
mer
cial
Pro
pert
y
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PRSRT STDU.S. Postage
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Independent Insurance Agents & Brokers of SC
800 Gracern Road
Columbia, SC 29210