South Carolina Agent & Broker, Fall 2014 by Blue Water Publishers, LLC

a l p c e o a t c d c r o a u h n a t ? h t i w g n i l t Wresn take the bite out of even the toughest risks. JSA ca

ks. s i r l a u s u n u JSA writes reptile zoos and other

We specialize in writing all types, sizes and classes of transportation • Business Auto

• Limousines

• Contractors

• Logging

• Courier Services • Church Vans

• Owner Operators

• Day Care Vans

• Social Services

• Dump Trucks

• Truckers

• Fleets • Hotshots

(Local/Intermediate/ Long Haul)

• Wreckers

Speed to market is vital in today’s world. Our “in-house” underwriting and pricing authority through A-rated carriers allows us to offer immediate quotes and binders. Whatever road your client is on ... we have you covered.

Call Us Today!

EDWIN M. ROLLINS COMPANY

Toll Free: 800.432.7715 RPSins.com

A Subsidiary of Risk Placement Services, Inc. Serving the Transportation Industry Since 1946 Fall 2014 • South Carolina Agent & Broker

FALL 2014

Independent Insurance Agents & Brokers of South Carolina PO Box 210008, Columbia, SC 29221 800 Gracern Road, Columbia, SC 29210 803-731-9460 803-772-6425 (fax) e-mail: information@iiabsc.com

Contents

IIABSC Staff

G. Frank Sheppard, AAI, CAE President ext. 1239 or 803.760.1239 fsheppard@iiabsc.com

Message from the National Director

Meredith B. Thompson, CISR - 2014 SC Outstanding CSR of the Year 10 Could Your Agency Weather a Data Breach?

Should I Have My Employees Sign Arbitration Agreements?

Rainmaking With Personal Umbrellas

2014 Big “I” SC Education Awards Luncheon

Education Spotlight

Young Agents Conference Photo Recap

2015 Big “I” SC Spring Conference Save-the-Date

Trusted Choice Big “I” National Golf Championship SC & National Photo Recaps

Member News

Palmetto Partners, Pledge Now for 2015

IIABSC Education & Events Calendar

2014 Board of Directors and Executive Committee

Rebecca H. McCormack, CPCU, CIC, AAI Vice President ext. 1238 or 803.760.1238 bmccormack@iiabsc.com Beth Chastie Vice President of Administration & Finance ext. 9462 or 803.731.9462 bchastie@iiabsc.com Laura D. Cornell, CIC Director of Insurance Programs ext. 1227 or 803.760.1227 lcornell@iiabsc.com

Message from the Chairman of the Board

Megan Huebner Director of Events & Membership ext. 9463 or 803.731.9463 mhuebner@iiabsc.com Anita J. Trevino Director of Communications ext. 1237 or 803.760.1237 atrevino@iiabsc.com Erin Nelson Education Coordinator ext. 1219 or 803.760.1219 enelson@iiabsc.com Olga Nichols Customer Service Representative ext. 1225 or 803.760.1225 onichols@iiabsc.com Martha Lavigne Administrative Assistant ext. 9461 or 803.731.9461 mlavigne@iiabsc.com

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 Carolina 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 Publishers, 22727 161st Avenue SE Monroe, WA 98272 360-805-6474 fax: 360-805-6475 jima@bluewaterpublishers.com

South Carolina Agent & Broker • Fall 2014

Advertiser Index Access Home Insurance 19 American Strategic Insurance 26 Amerisafe 33 Anderson and Murison 35 Assure Alliance 13 Atlas General 33 Builders Mutual Insurance 9 Burns & Wilcox 5 Centauri Insurance 17 FCCI Insurance Group 29 Genesee General 33 GUARD Insurance Group 13 ISU Agency Network 40 JM Wilson 35

Jackson Sumner & Associates 2 Johnson & Johnson 20, 21 Lighthouse Property Insurance 18 M. J. Kelly of South Carolina 19 Preferred Specialty 39 RPS Rollins 3 Risk Innovations 31 SCHBSIF 7 Southern Insurance Underwriters 23 Summit Marketing Services 11 The National Security Group 38 UPC Insurance 31 Utica National 35

[Cover image: 400ex127 | Dreamstime.com - Carolina Wren]

Even the office coffee tastes better with Burns & Wilcox. PERSONAL INSURANCE

Your traditional insurance markets can handle most of your clientsâ&#x20AC;&#x2122; personal insurance needs, but not all. Even wholesalers have their limits, unless your wholesaler is Burns & Wilcox. As the largest personal insurance wholesaler, our unequaled access to markets means quick solutions for all your hard-to-place risks. Donâ&#x20AC;&#x2122;t call just any wholesaler. Just call Burns & Wilcox. Myrtle Beach, South Carolina | 843.651.3271 | toll free 800.849.3271 fax 843.651.6040 | myrtlebeach.burnsandwilcox.com Charlotte, North Carolina | 704.525.1152 | toll free 800.999.3434 fax 704.525.7399 | charlotte.burnsandwilcox.com Morehead City, North Carolina | 252.726.8992 | toll free 800.498.1600 fax 252.726.9484 | moreheadcity.burnsandwilcox.com

IIABSC Chairman of the Board Ken Finch, CPCU, CRM, CIC, AAI

t has been a wonderful but quick first year as your chairman. The pace of life and the pace of change just do not slow down! There have been some exciting highs for IIABSC this year, and here are just a few of them. Past Chairman and Past National Director Jon Jensen of Correll Insurance Group in Spartanburg became the second officer from South Carolina to ever get elected to the national Big “I” Executive Committee. He was sworn in this past September at the national fall conference, beginning a three-year term on the national board. Jon’s unselfish devotion and his leadership abilities continue to serve and promote the Big “I” both nationally and in South Carolina. This spring IIABSC earned our ninth consecutive InsurPac Eagle Award, which is given for an InsurPac average contribution that exceeds $100 per agency. InsurPac is the political action committee of the national Big “I,” which achieved $1 million last year. South Carolina is the only state to ever receive nine consecutive Eagle awards. Considering the year we’ve had, it’s safe to say that we are on our way to an unprecedented tenth award. The IIABSC education department was recognized with its third consecutive Diamond Level Excellence in Education award from IIABA. Diamond is the highest level that is awarded, and this is the fifth award in total from our national association. Congratulations to Becky McCormack and her education staff

South Carolina Agent & Broker • Fall 2014

for their well-deserved recognition in providing quality education to you, our membership. Details of this award can be found on page 26 of this edition. Another highlight of the year was the Young Agents Joint Conference with North Carolina this summer in Myrtle Beach. South Carolina and North Carolina joined forces for the first time to have one of our most successful Young Agents Conferences ever. A photo recap can be found in this issue starting on page 27. Plans are already underway to do another joint meeting next year in Myrtle Beach. We are also excited to have a SC junior golfer win the boys division of the national Trusted Choice Big “I” junior golf tournament this year. Keenan Huskey of Greenville came from behind to win the national tournament on the last day. This year was the third year that Keenan represented South Carolina in the national tournament, and it was the final junior tournament of his career. He started his college golfing career at the University of South Carolina just two weeks later. View photo recaps of both the state qualifier and the national championship starting on page 30 of this edition. Lastly, I would like to thank both member agents and company partners that make our association strong. Thank you for your support this past year and I look forward to serving you as Chairman in the coming year. Always remember as I mentioned in my first article, to “find your passion and take action.”

We’ve Got Your Back.

Providing the right insurance protection starts with an in-depth understanding of your customers’ business. As South Carolina’s largest SIF, we are a workers’ compensation insurer for the construction industry. Created by builders, for builders, we’re here to help you protect and serve your clients with dependable, cost-effective workers’ compensation insurance. Are your contractor clients satisfied with their current workers’ compensation coverage? Call us today. We can help.

Crossover to Exceptional Service 800.678.8178 | schbsif.com Fall 2014 • South Carolina Agent & Broker

National Director Jules Anderson, AAI

’m writing today just back from the 2014 Big “I” Fall Leadership Conference held in Grand Rapids, Mi., where I had the privilege of seeing my friend and colleague as well as my predecessor in the role of the IIABSC National Director, Jon Jensen, being sworn into the Executive Committee of our national association. There’s a photo on page 34 of this edition. Jon has been an adept representative of South Carolina, and I know his leadership and dedication to our state will continue as he serves at national. During the Education Convocation part of the Leadership Conference, Becky McCormack received IIABSC’s third consecutive Excellence in Education Diamond award. We’re incredibly proud of the continuing education offered through our Education Department. Our goal is to provide members with true professional development and courses on relevant topics instead of just quick and easy CE hours. Receiving such top-level recognition reinforces our mission and lets us know we’re on the right track. There was one other exciting development from the fall national meeting, and that was the announcement of the latest updates to our consumer website, TrustedChoice.com. Top of the list was the addition of commercial lines, which was prompted by numerous requests from our consumer users who wanted to find a Trusted Choice® agent who could offer the same “Freedom to do what’s right for you” with their business insurance. In response TrustedChoice.com (formerly ProjectCap) has added a Business Insurance section to the information articles, with special links to Farm & Ranch, Small Business and Professional Liability interests. They also expanded the “Find an Agent” tool to include business insurance, only requiring users to input their zip code, industry type (by NAICS code) and number of employees. Local Commercial Lines Advantage Subscribers show at the top of their searches with special emphasis on the size businesses and industries they’ve marked as leads they want to receive. Their profiles are similar to the Personal Lines Advantage enhanced profiles in that they are customizable with logo, contact info, positioning statement, agency services, types of insurance, carriers represented and social media links. To thank them for their support, TrustedChoice.com is

South Carolina Agent & Broker • Fall 2014

providing existing Personal Lines Advantage Subscribers complementary Commercial Lines profiles until the end of the year. They only need to complete their agency profiles to start showing up in Business Insurance searches. Starting in 2015 they have the option to bundle the two subscriptions at a discount with some other perks, either or both can be cancelled at any time with 30 days’ notice. Of course any Big “I” member agency can start a new Advantage subscription in either line now at the standard rates. Full list of TrustedChoice.com enhancements include: • New TrustedChoice.com home page with side-by-side commercial lines and personal lines entry points • New commercial lines find-an-agent search engine • Improved search results layout for commercial and personal lines • New improved agency profiles for commercial and personal lines • Improved lead capture with contact agency buttons and form functionality • Improved agency mapping interfaces • New personal lines quote results page • Improved search results filtering and sorting • New non-rating carrier participation in personal lines • Improved content page layouts • New “Get a Quote” feature calls to action from more content pages

EXPERTISE YOU CAN LEVERAGE. ITâ&#x20AC;&#x2122;S THAT SIMPLE.

For thirty years, Builders Mutual has been working hard to make your job easier. Agent tools like BOB 2.0 allow you to issue and service policies online with ease. When youâ&#x20AC;&#x2122;re quoting residential, commercial and trade contractors, the insurance choice is simple.

Stay connected. buildersmutual.com

Meredith B. Thomason, CISR

2014 SC Outstanding CSR of the Year Award

Meredith B. Thomason, CISR, of Citizens Insurance Agency in Anderson has been named the 2014 SC Outstanding Customer Service Representative of the Year. This award is the highest honor in our state for insurance customer service reps who have distinguished themselves through contributions to their industry and profession. She was recognized at this year’s annual Education Awards Luncheon held Aug. 26 in Columbia. Nominees are required to show a commitment to the industry through education, involvement and achievement as well as write an essay from the following prompt: It is generally agreed that new business AND renewal business are crucial to the success of an agency. Explain whether new business or renewal business are more important to the long-term value and profitability of an agency. Identify four ways a CSR, Account Executive or Account Manager can have a meaningful impact on the new and/or renewal business written by an agency.

(Winning Essay)

“New Business vs. Renewals”

he debate has long ensued over which is more important to the success of an insurance agency, new or renewed business. Agency principals, agents, producers and insurance companies have long debated the issue. Thousands of dollars have been spent researching this, with one result. The success of an agency is dependent on both new business and renewed business. Both are crucial to insure the long-term vitality and success of an agency. New business is essential for the growth of an agency. It is inevitable that over the course of a year an agency will lose a few accounts. Insureds move, businesses close and markets harden, so it is vital to have a steady stream of new business to offset the loss, continue to grow and create revenue. All business was new business at some point. However, renewal business provides a steady stream of long-term revenue. Renewal business is an agency’s base, the foundation of the business. Much like the foundation of a home, the

South Carolina Agent & Broker • Fall 2014

foundation of a business must be solid, strong and able to support additional growth. The Account Executive, Managers and CSRs are an essential part of helping to establish a good, solid, strong foundation to the business. All new business and renewal business is marketed and serviced by the team members of an agency. To have a meaningful impact on both new and renewal business, Account Executives, Managers and CSRs need to know the needs of the client, have a knowledge of insurance markets, be diligent and most importantly have a desire to educate and serve the clients. Each client comes to an agency with a specific need, insurance, but all are unique. The agency team serves as a resource for the client. The Account Executives, Managers and CSRs must have a thorough understanding of the customer’s needs. The risk to the client, type of business exposure, prior coverage history and coverage

Stability. Longevity.

Integrity

Chairman of the Board, Ken Finch (right), presents Meredith B. Thomason, CISR (left) with Outstanding CSR of the Year Award requirements are all necessary information to market, write, service and renew an account. It is also important to know what the client will expect of the agency in terms of customer service and coverage availability. Both are essential parts of creating and maintaining a long-term relationship with the client. It is also essential that Account Executives, Managers and CSRs have knowledge of the companies they represent. Since coverage offerings can vary greatly between companies, the agency team must be familiar with the nuances of each company. If a company excludes products and completed operations, that would not be an ideal market for a contractor with that exposure. All members of the agency team also need to be up to date on the policies and practice of the companies the agency represents. The time to find out about coverage exclusions is not after a claim has been filed. Account Executives, Managers and CSRs must also be diligent in educating themselves on the insurance industry, servicing accounts, marketing accounts and in obtaining new business. The insurance industry can be very competitive. In order for agencies to renew business and obtain new business, the agency team must put in the hard work necessary to stand above their competitors. Most importantly, Account Executives, Managers and CSRs need to have the desire to educate and serve the client. The majority of clients have little to no knowledge regarding insurance. It is important for the agency team to thoroughly explain the policy coverage, policy exclusions and offer recommendations of coverage in a manner that is easy for the client to understand and provide excellent service to all clients. Account Executives, Managers and CSRs who understand the needs of the client, have knowledge of markets, are diligent and have a desire to educate and serve the client will positively impact new and renewal business. A positive impact on business will create a successful agency.

1-800-971-2667 â&#x20AC;˘ www.summitholdings.com Coverage available in Alabama, Arkansas, Georgia, Florida, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee and Texas.

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

Could Your Agency Weather A Data Breach?

full 80 percent of businesses that experience a data breach go out of business as a result.1 The right insurance can keep your agency from becoming part of this startling statistic. If that is not enough reason to consider purchasing databreach protection for your business, here are six more: 1. Data breaches are common among smaller businesses. Some 55 percent of small businesses responding to a recent survey have experienced a data breach and 53 percent have reported multiple incidents.2 If you collect sensitive information from policyholders, you are at high risk. Data held by small businesses is low hanging fruit... hackers know these enterprises lack the security resources of their larger counterparts. Only 38 percent of breaches in the latest Verizon study impacted larger organizations.3 2. Responding to a breach is not only costly (running an estimated $200,000), it’s complex. Experts from multiple disciplines (from forensic investigators, to public relations firms, to privacy counsel) may be needed to mount a coordinated response to even a small incident. Botch the response and your reputation can be irreparably damaged. There is also the specter of

WHAT AMPS UP AN INSURANCE AGENCY’S EXPOSURE? Answering yes to any of the following questions: • Do you have employees? • Do you keep employee records? • Do your client records include third party corporate information (such as company financials)? • Do you handle personal lines? • Do you offer premium financing? • Do you have computers, back-up tapes, a copier, a fax machine? 12

South Carolina Agent & Broker • Fall 2014

regulatory fines and penalties and legal liability. A single laptop left on a commuter train or stolen at an airport can cost an agent nearly $50,000 – most of that being expenses to respond to data breached (or potentially breached).4 3. Package policies are not up for the task. Your commercial package policy may have a cyberliability extension, but take a hard look at the coverage provided. Endorsements typically carry low limits and few options. If first-party coverage is provided, limits may be inadequate for the exposure. For third-party liability, coverage may fall short in key areas, such as responding to acts of rogue employees. Does it address regulatory fines and penalties? Does the insurer have the duty to defend? 4. You are obligated to protect data you collect. This sensitive data might include everything from personal information, (addresses, Social Security and driver’s license numbers of employees, policyholders or prospects) as well as corporate information (sensitive financial information on commercial clients). If you handle employee benefits, you may have personal health information in your care.

Please judge us by the company we keep! Berkshire Hathaway Group

We are proud of our parentage (and our cousins!) and strive to live up to the family name. To learn more about agency appointments with us, go to:

www.guard.com/apply

Berkshire Hathaway

GUARD

Insurance Companies

Featuring One-Stop Insurance Shopping for Small- to Mid-Sized Businesses We write Workers' Compensation policies nationwide and make available complementary Businessowner's Policy, Commercial Umbrella, Commercial Auto, and Disability coverages in select states. We pride ourselves on our easy submission process; competitive pricing; fast, fair claims handling; cash-flow friendly payment terms; and superior customer services.

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

State and federal regulations dictate proper handling of private information. If this information is breached, agents must navigate the different laws in 46 states that mandate how victims must be notified. 5 5. Even if you outsource data handling, your exposure stays in house. You may feed data into third-party agency management or document-management systems or outsource data storage to a cloud provider. Still if your agency’s data is breached, you are obligated to respond. Nearly 70 percent of small businesses report that breaches are more likely to occur when outsourcing data.6 6. The exposure is not just from hackers intruding on electronic systems. Breaches are caused by everything from lost/discarded/stolen laptops, smartphones and portable memory devices to innocent procedural errors and acts of disgruntled employees.

Of 563.9 million records breached since 2005: 56% Hacking or malware – Electronic entry by an outside party. 30% Portable device – Lost, discarded or stolen laptop, PDA, smartphone, portable memory device, CD, hard drive, data tape, etc. 6% Insider – Someone with legitimate access intentionally breaches information, such as an employee or contractor. 4% Unintended disclosure – Sensitive information posted publicly on a website, mishandled or sent to the wrong party via email, fax or mail. 1% Stationary device – Lost, discarded or stolen stationary electronic device such as a computer or server not designed for mobility. 1% Payment card fraud – Fraud involving debit and credit cards that is not accomplished via hacking. For example, skimming devices. 1% Physical loss – Lost, discarded or stolen non-electronic records, such as paper documents. 1% Unknown/ other.

How costs add up in a breach Every data breach is different. Generally speaking, Source: Privacy Rights Clearinghouse, 10/18/2012 however, in considering the cost of a response you can expect to pay from $10,000 to $100,000 just servicing and ongoing credit and data monitoring. To learn more, for a forensics expert to get to the root of a breach and contain contact Laura Cornell with IIABSC Agency (803.760.1227 or it. Creating and mailing notification letters to victims is in itself lcornell@iiabsc.com) or visit www.iiabsc.com. costly. Once you do that, you typically must also set up a call center to respond to inquiries from victims and offer credit 1. Privacy Rights Clearinghouse: Chronology of Data Breaches monitoring to help mitigate damages. Smaller businesses are 2. Ponemon Institute. less likely than larger ones to have the internal resources and 3. Verizon2013 Data Breach Investigation Report, p. 5 expertise to handle a breach response, so they are more likely 4. California Attorney General/Privacyrights.org to have to pay outside experts (including specialized privacy 5. http://www.ncsl.org/issues-research/telecom/security-breachnotification-laws.aspx counsel, consultants, crisis management and public relations 6. Ponemon Institute. professionals) to assist. Then there is the cost of any regulatory actions, penalties or lawsuits that could arise from the incident. Being protected = Being prepared to respond It could be a lost flash drive or a persistent attack by hackers a world away. Every breach is different, and every one requires a smart, strategic response. With Beazley Breach Response, your agency can secure comprehensive coverage for the expenses incurred to respond to a breach and have experts standing ready to deliver the well coordinated response you need to mitigate financial damages and protect your reputation. It encompasses everything from forensic investigation, legal, compliance and public relations services to breach notifications, call center 14

South Carolina Agent & Broker • Fall 2014

The product is available on an admitted basis in some but not all US jurisdictions through Beazley Insurance Company, Inc., and is available on a surplus lines basis through licensed surplus lines brokers underwritten by Beazley syndicates at Lloyd’s. The exact coverage afforded by the product described herein is subject to and governed by the terms and conditions of each policy issued. The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk. Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497).

By J. Hagood Tighe, Fisher & Phillips LLP

n a regular basis, I am asked whether companies should have their employees sign arbitration agreements. Generally, I am in favor of arbitration agreements, but of course you should consider the pros and cons, costs, legal issues, etc., before deciding that arbitration agreements are for you and your business. This article provides some basics to consider. Arbitration vs. Mediation Many times, people confuse mediation and arbitration. Mediation is a voluntary meeting where a neutral person attempts to facilitate the resolution or settlement of a dispute. The mediator does not have any authority to make participants do anything they do not want to do. Arbitration is an alternative to court litigation. It is a binding way to resolve disputes. If parties subject themselves to arbitration, they are bound by the decision the arbitrator (basically a private judge) makes. The decision can only be appealed in very limited situations. Costs Although hiring an arbitrator can be expensive, many employers believe that the total legal fees and costs expended in arbitration are typically lower than those spent in a traditional court case from start to finish. Sometimes savings occur due to limited discovery, fewer motions and hearings or even discounts on EPLI premiums, but in some cases arbitrations can be just as pricey as litigation in court. While arbitrations may be less expensive on average, they are not cheap. Some think that if you have an arbitration program, employees are more likely to sue. Plus companies are required to pay most of the fees to ensure that arbitration is not cost-prohibitive for an employee. These expenses can run into thousands of dollars very quickly. Some employers are concerned that employees may find all of this appealing since they bear very little of the cost.

Should I Have My Employees Sign Arbitration Agreements?

South Carolina Agent & Broker â&#x20AC;˘ Fall 2014

Now in South Carolina In South Carolina, people face more than the usual hazards when it comes to protecting their homes. Weather in this region can be fierce. That’s why residents here need more than the usual kind of home protection. Centauri Insurance was founded to serve just those needs. We stay strong through all kinds of weather-related claims (plus, all the usual ones), so you can help your customers get on with the very important business of living their lives.

CentauriInsurance.com

Fall 2014 • South Carolina Agent & Broker

Speed Arbitrations are typically faster than court litigation. Arbitrations are often resolved in less than a year. Litigation in the court system, can last anywhere from six months to several years, depending on where you are located. Confidentiality Another appealing part of arbitration is the confidentiality of the proceedings. Unlike court cases, which are typically open to the public, arbitrations usually are not, and the decisions often are not published. It helps minimize the risk of “copy cat” lawsuits as well as unwanted press. Arbitrations are not always confidential, however. On some occasions, plaintiffs’ attorneys will first file their case in court, requiring that the employer ask the court to send the matter to arbitration. While courts typically do this if the agreement is properly prepared, the initial filing is public and can generate publicity. No Jury Employers may prefer arbitration because there is no jury. Some speculate that jurors identify with employees and are predisposed against a company. Leaving the decision to an arbitrator relieves concerns for some about runaway jury awards. Most believe that experienced arbitrators are more realistic than juries when valuing damages to be awarded. State Law Issues There are a number of legal issues that employers need to consider before entering into an arbitration agreement. Because arbitration agreements are contracts, state law can have an effect on how they should be created. Therefore, you or your employment lawyer need to consider the state laws where you plan to use the agreement. One state law issue that may be encountered is how to enter into arbitration agreements with existing employees. When entering into a contract, by law you must provide the other side something of value. It is often referred to as “consideration.” When it comes to existing employees, some states will not allow continued employment to serve as the consideration, which means that the employer must give something else of value to its existing employees if it wishes for them to be bound by the arbitration agreement. 18

South Carolina Agent & Broker • Fall 2014

One-Sided Agreements Not Allowed In some parts of the United States, courts focus on whether agreements are “unconscionable” or so one-sided that they should be void as a matter of public policy. To address this issue courts typically require that arbitration agreements be mutual. In other words, both the employer and the employee are bound by the agreement. Additionally, many employers include an opt-out provision that allows employees to back out of the arbitration agreement within a certain time period after employment begins. If they opt-out and later sue, they are not bound by the arbitration agreement. Class-Action Waivers Another issue to consider is class action waivers. If your company is sued in a class or collective action and your employees have signed an arbitration agreement that includes a class action waiver, you may be able to get the class action dismissed. This action will not likely be the end of the legal dispute, however. The National Labor Relations Board (NLRB) has taken the position that an employer violates the National Labor Relations Act (NLRA) when it requires as a condition of employment for employees to sign an agreement that precludes them from filing joint, class or collective claims addressing wages, hours or working conditions. Under the current state of the law, the NLRB considers these

Dwelling Fire Insurance

Now available in South Carolina! Since entering South Carolina in 2012, we have been providing our agents with the Homeowners and Wind-Only products they need in the challenging coastal markets. We are proud to announce the expansion of our product line to include a Dwelling Fire program, available across the state. Whether a rental residence or owner-occupied, let us help protect your client’s investment.

• Optional Personal Liability coverage for injury or damage • Up to $500,000 in Dwelling coverage available • Various Discounts including: Wind Mitigation Discounts, Protective Device Discount, Golden Age Discount and more • Optional Coverages include Personal Property Replacement Cost, Identity Theft and Resolution Services, Water Back Up and Sump Overﬂow, Earthquake, Equipment Breakdown and others

Homeowners | Flood | Dwelling Fire

888.544.4885 | lighthousepropertyins.com

3rdPgAdForSC_08_12_14_NowAvailable.indd 1

8/12/14 1:03 PM

agreements to be illegal and in violation of the NLRA. On the other hand, most of the federal circuit courts of appeals to address these have upheld the agreements. That means that until the U.S. Supreme Court rules, including such a clause may subject you to litigation with the NLRB. However, you may decide that the benefit of including this provision (namely avoiding expensive class-action litigation) outweighs the potential cost of litigating with the NLRB.

May all good things be yours in abundance. As the season of giving thanks approaches, let us acknowledge our appreciation for your business and friendship.

In conclusion, when it comes to employment litigation, there is no one-size fits all answer. While there certainly are some practical and legal hurdles to consider, if you can afford the potential expense associated with arbitrating cases, arbitration agreements with your employees are still worth considering. Hagood Tighe is a partner with Fisher & Phillips. He concentrates his practice exclusively in the labor and employment area. Hagood Tighe can be reached at htighe@laborlawyers.com or 803.255.0000. Fisher & Phillips, founded in 1943, is one of the oldest and largest labor and employment law firms concentrating its practice exclusively upon representation of employers. For more information, please visit our website at www.laborlawyers.com.

g in m n! Co Soo

Access Home Insurance. The key to your peace of mind. Although we are relatively new, Access Home Insurance is owned and operated by insurance professionals with over 100 years combined experience in property and casualty insurance. Our companyâ&#x20AC;&#x2122;s foundation is built on providing our policyholders with outstanding customer service, innovative residential insurance coverage options, and efficient claims processing.

888.671.AHIC (2442) www.accesshomeinsurance.com

Experience. Knowledge. Performance. IIA_SC_half_07_28_rc.indd 1

Fall 2014 â&#x20AC;˘ South Carolina Agent7/29/14 & Broker 19 10:32 AM

South Carolina Agent & Broker â&#x20AC;˘ Fall 2014

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

g n i k a m Rain with Personal Umbrellas

n our increasingly litigious society, no one is safe from the threat of being sued. Your customers need to know that they face the risk of devastating financial loss, and it’s your job to educate them about their potential liability. In addition to being priced competitively, the RLI umbrella can be written as a stand alone product with limits of up to $5 million. Here are some marketing ideas to consider implementing in your agency to draw attention to the need for an umbrella policy. Generating awareness is critical. Offer an umbrella policy every time you offer an auto, homeowner or renter’s policy. When working up these quotes, also provide an umbrella quote. Don’t ask permission to do the umbrella quote, just do it and assume your customer will understand the need after you educate him or her on why an umbrella should be considered. Cross-selling is a key strategy in growing your agency. Consider implementing a cross-sales process that includes cross selling specifically for umbrella protection. With a phone based process you can call your customers 60 days prior to renewal and ask questions to uncover a need. For example, customers with low auto liability limits need to be coached on the wisdom of increasing the limits, which makes for an easy transition into talking about umbrella protection.

South Carolina Agent & Broker • Fall 2014

Verify discounts by making sure all of your customers are getting the discounts they qualify for. If they are not, add the ones they deserve and suggest that the premium saved be allocated to an umbrella policy. For customers with only one line of business, the personal umbrella is an inexpensive policy to get as a second line, often qualifying the customer for a multi-policy discount. The premium saved on the discount can offset a good portion of the umbrella premium. Recommending higher deductibles is another way of saving premium that can be re-invested in an umbrella policy. These objectives can also be met by using a mail-based process to get the needed information. At the end of the questionnaire, provide a checkbox for products customers might want to know more about and make sure personal umbrella is listed as an option. Just ask. Implement a “Just Ask” program. Have your CSRs “just ask” everyone who walks or calls in if they have a personal umbrella policy. Have a brochure ready to hand out. You might be surprised at how much business can be generated by a simple question. Personal umbrellas sales are a great way to round out any customer’s portfolio while earning commissions and improving retention. For more information on standalone RLI Personal Umbrella Policy and In-Home Business Policy, contact Olga Nichols with the IIABSC Agency (803.760.1225 or onichols@iiabsc.com) or visit www.iiabsc.com.

SIU DELIVERS INNOVATIVE TECHNOLOGY SOLUTIONS COMBINED WITH MARKETS FOR ALL LINES OF BUSINESS...

SO YOU CAN FOCUS ON GROWTH

COMPREHENSIVE OFFERINGS Excess & Surplus Lines • Personal Auto • Personal Property • Commercial Property & Casualty • Commercial Transportation • Professional Lines Standard Underwriters Network (SUN) • Access to major admitted carriers • Full online capabilities Captive Administration Programs SIUPREM Premium Finance • Fully web based premium finance system with real time data • Premium finance agreement delivered with every SIU quote

TIME SAVING TECHNOLOGY SIUrate (siurate.com) Online rating tool available 24/7 with over 225 classes of business • Commercial and Personal Specialty Lines • SUNrate - Standard Underwriters Network online rating & submission tool including Artisan, Restaurant, Convenience Store and BOP • Commercial Transportation Quick Quote forms

EXPERIENCED UNDERWRITING • Friendly and experienced staff • Quick quote turnaround time with over 120 “A Rated” Carriers • Courteous “over the phone” quoting

Easy Pay (insuranceeasypay.com) Online payment portal for agents, insureds and mortgagees

SOUTHERN INSURANCE UNDERWRITERS, INC PH: 678.498.4500 • TF: 800.568.1700 • FX: 678.498.4600 • SIUINS.COM

PERSONAL AUTO

PERSONAL PROPERTY

COMMERCIAL TRANSPORTATION

COMMERCIAL PROPERTY & CASUALTY

STANDARD UNDERWRITERS NETWORK

SIUPREM PREMIUM FINANCE

South Carolina Agent & Broker â&#x20AC;˘ Fall 2014

2014 Big “I” SC Congratulations to our newest designees!

August 26, Doubletree, Columbia, SC

AIAM

Julia Alix, CISR, AAI, AIAM Audrey Booth, CISR, AIAM Leslie B. Chewning, AIAM Michelle Connolly, CISR, AIAM Jenna Cranford, AIAM Jasmin Delafuentes, CISR, AIAM Susan Edeneld, CIC, AAI, AIAM Cheryl Fiarcloth, AIAM Michelle Harper, CIR, AIAM Lisa Kirkpatrick, AIAM Anna Kohlmayer, CISR, AIAM Annie Loomis, AIAM Angela Lynes, CISR, AAI, AIAM Jessica Martinez, AIAM Charlotte Mims, CISR, AIAM Kathy Plaistowe, AIAM Amy Price, AIAM Anita Rogers, CISR, AIAM Marianne Seabrook, CISR, AIAM Karin Shore, AIAM Tammie Smith, CISR, AIAM Kathy Thomas, CISR, AAI, AU, AIAM Jennifer Tiegs, CISR, AIAM

CIC

Jennifer A. Addison, CIC Lesley A. Boles, CIC, CISR Linda N. Camp, CIC, AAI Angela C. Douda, CIC, CISR Tracy G. DuRant, CIC Todd J. Hiott, CIC Deborah Marie Hornor, CIC, CISR Michelle S. Isola, CIC, CLCS Jennifer M. Jastromski, CIC C. Danielle Lambert ,CIC, CISR Linda M. Lee, CIC,CISR, ACSR Pamela Jo Miller, CIC Jessica M. Minnis, CIC, AINS, AIS Thomas Wilbur Outlaw, CIC Ryland H. Shaw III, CIC Reina C. Sowers, CIC, CISR John R. Spence Jr., CIC Pamela M. Thompson, CIC

CISR

Diane J. Alseth, CISR, AINS, AIS Allen E. Altman, CISR, LUTCF Michael Beauford Jr., CISR Andrea R. Bourgoin, CISR Jolene L. Buchanan, CISR Sarah E. Butner, CISR

Angele Barker Byrne, CISR Charlotte E. Collier, CISR Debbie J. Collins, CISR Cindy T. Collins, CISR Steven R. Du Bois, CISR Steven A. Earnhardt, CISR Erin E. Ethridge, CISR Kristen L. Hamilton, CISR Dena Michelle Harmon, CISR Lauren Marie Hendley, CISR Courtney A. Hinson, CISR Hilary Brooke Hopkins, CISR Kimberly A. Howell, CISR Virginia Lynn Huffman, CISR Galaxy Marie Johnson, CISR Amy M . Jones, CISR James Matthew Julian, CISR Teri Lynn Kilgore, CISR, CPIA Jason A. Korn, CISR Christine D. Lanigan, CISR Cathi Lynn Latham, CIC, CISR Re’Telle T. Lee, CISR Rebecca Campbell Lynn, CISR , API Amy L. McCabe, CISR Joseph R. McDonald, CISR Virginia S. McLeod, CISR ACSR Lisa T. Meares, CISR

Shari S. Miles, CISR Ashley R. Mixson, CISR Rachel L. Moore, CISR Randolph Hampton Newman, CISR Tania Kay Owen, CISR Amy Marie Price, CISR Tiffany E. Rice, CISR Rosa M. Rivers, CISR William Daniel Robbins, CISR Ann S. Roberson, CISR Bonnie Lee Robinson, CISR Sylvia R. Robinson, CISR, AAI Suzanne K. Russ, CISR Cheryl Lynn Sane, CISR Shauna L. Stroncheck, CISR Mark A. Trigonoplos, CISR, ANFI Bobby G. Troutman, CISR Robert L. Watereld, CISR, AIC Janet E. White, CISR, CRIS Cynthia H. Young, CISR

CRM

Anthony S.H. Catone, CRM James C. Ellis, CIC, CRM Stephanie L. Evans, CIC, CRM, CISR, AAI Christine Kareis, CIC, CRM Brenda Ramos, CIC, CRM, CISR Fall 2014 • South Carolina Agent & Broker

BUNDLE THEIR HOME SWEET HOME WITH THEIR CAR SWEET CAR.

Learn how an auto policy bundled with a Progressive Home Advantage policy, provided and serviced by ASI, can help you save your customers timeâ&#x20AC;&#x201D;and money. For more information, contact your Progressive account sales representative. Chris Dunlap

PGR SC Area Sales Representative chris_dunlap@progressive.com 440-910-3422

Charles Stephenson

PGR SC Area Sales Representative cstephe2@progressive.com 440-910-6939

George Trunk

ASI SC Territory Marketing Manager gtrunk@americanstrategic.com 803-628-8377

Auto insurance underwritten by Progressive Casualty Ins. Co. & affiliates, Mayfield Village, OH, and in Texas by Progressive County Mutual Ins. Co. Home insurance is provided and serviced by American Strategic Insurance Corp. and its affiliates. This insurer is not affiliated with Progressive and is solely responsible for claims. Not available in all states.

26 13A00200.F06_IIABSC_7.675x4.9_4C.indd South Carolina Agent & Broker1 â&#x20AC;˘ Fall 2014

8/27/14 11:33 AM

Full album on our SC Young Agents Facebook page:

facebook.com/scyoungagents

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

South Carolina Agent & Broker â&#x20AC;˘ Fall 2014

800-226-3224 www.fcci-group.com

“At FCCI, we keep our customers informed. I get to know agents and policyholders and they get to know me, so they know who to call for help. They know I’ll give them great service!” Katrina Turner Senior Underwriting Technician FCCI Southeast Region Duluth, Georgia Now, let’s talk about your business. General liability • Auto • Property • Crime Workers’ compensation • Umbrella Inland marine • Agribusiness • Surety Coverage available in 18 states. © 2014 FCCI

IASC14_Turner_7.675x4.9.indd 1

10:13 AM29 Fall 2014 • South Carolina Agent 8/4/14 & Broker

SC Trusted Choice® Big “I” National Championship

June 30–July 1, 2014 Orangeburg Country Club Orangeburg, SC

Christian Salzer, 17, of Sumter, S.C., and Victoria Huskey, 16, of Greenville, S.C. each topped their respective divisions in the SC qualifier of the Trusted Choice Big “I” National Championship held June 30 – July 1 at the Orangeburg Country Club in Orangeburg, S.C. Salzer shot a combined score of 142 in two rounds and Huskey shot a 152. Salzer won the Boys Division after a three-hole tie breaker. Second place for the boys was Justin Hood, 17, of St. Matthews, S.C., with a two-day score of 142. Third-place boys’ was Jack Parrott, 15, of Columbia, S.C., with a final score of 143. These four teenagers earned the chance to advance to the Trusted Choice Big “I” National Championship set for Aug. 5-8 at the Pete Dye Club in Bridgeport, W. Va. They were joined by Keenan Huskey, 17, of Greenville, S.C. (and brother of our Girls’ Division Champion), and Austin Zoller, 18, of Summerville, S.C., who both played in the national tournament last year and scored well enough to automatically qualify for play in West Virginia. This tournament is a community-service project sponsored by the SC Trusted Choice Agents. View photos and full final results at www.iiabsc.com/jrgolf.

South Carolina Agent & Broker • Fall 2014

THE BRITISH ARE

COMING HERE!

WE HAVE A NEW PARTNER... Introducing our New Lloyd’s of London Personal Lines Program designed to compliment the High Value Homeowners programs that you know us for! • • • • • • •

In House Authority for Quick Quotes! Coastal, Rental, Seasonal, and Vacant Properties Primaries, Secondaries, and Condos HO-3, 4, 5, 6 and DP1 & DP3 Forms Available 3, 6 and 12 Month Terms Coastal Wind Deductibles as low as 2% Competitive Rates & Commissions

■ HOMEOWNERS ■ FLOOD

w w w. U P C I N S U R A N C E . c o m Innovative Coastal Insurance Solutions Since 1999

www.riskinnovationsllc.com/bw • (800) 913.6696

Fall 2014 • South Carolina Agent & Broker

Trusted Choice® Big “I” National Championship

Aug. 5–8, 2014 Pete Dye Club Bridgeport, W. Va.

SC junior golfer Keenan Huskey wins National Championship Boys’ Division Keenan Huskey, 18, of Greenville, S.C., won the Boys Division of the 46th annual Trusted Choice® Big “I” National Championship junior golf tournament, held this summer in Bridgeport, W.V. Huskey, who lead the first two rounds, came out firing on the back nine of the fourth round to claim victory. The future USC Gamecock followed his one-over on the front nine with four birdies and no bogeys to fire a final round three-under 69 to finish at four-under for the championship and win by four strokes to hoist the Robert Trent Jones Trophy. He finished as the only player in either division to finish under-par for the championship. The tournament featured 160 players from 40 states with girls and boys under the age of 19 at the Pete Dye Golf Club in Bridgeport, W.V. The girls division was played at par 72 and 6,073 yards, while the boys played the course at par 72 and 7,045 yards. Each summer more than 2,500 junior boys and girls nationally vie to earn a place in the final tournament. Approximately 100 state and local qualifying events determine the final roster. View SC qualifier tournament results on page 30.

South Carolina Agent & Broker • Fall 2014

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

Member News

Welcome New Agency Members

Welcome New Associate Members

Caldwell Insurance Agency, Chester

Advanced E&S Group, Hollywood, FL

Culp Insurance Agency, Taylors

Centauri Specialty Insurance Company, Sarasota, FL

Inlet View Insurance, Inc., Surfside Beach

Cabrillo Coastal General Ins, Myrtle Beach, SC

Grayson Thomas Agency, Inc., Fountain Inn

ICW Group, Lake Mary, FL

C.T. Lowndes & Company Sponsors Football Classic For the fourth year, C. T. Lowndes & Company is the title sponsor of the Sertoma High School Football Classic held in Charleston each summer. This two-night event is the annual kick-off to the local high school football season, featuring 24-28 high school football teams playing either a one-quarter game or a two-quarter game. The Classic is held at the Citadel football stadium so it is quite a treat for the kids to be playing on a college field. Each night, C. T. Lowndes & Company recognizes the cheerleaders by sponsoring a cheerleader football toss with cash prizes for the top three winners. Additionally, C. T. Lowndes & Company gives away a $2,500 college scholarship to a high school or college student. All funds raised by the Sertoma Club are given back to the community to local charities helping kids. In the 44-year history of this event, more than $4 million has been given.

Rawlins Lowndes (far left) and Henry Lowndes, Jr. (far right) represent Charlestonarea agency C.T. Lowndes in their sponsorship of the Sertoma High School Football Classic and the cheerleader football toss.

Jensen installed on the National Executive Committee SC Big “I” leader Jon Jensen, AAI, AIP, of Correll Insurance Group in Spartanburg was installed on the IIABA Executive Committee (our national association) during the Big “I” Fall Leadership Conference held Sept. 10-14 in Grand Rapids, MI. Not his first leadership position with our national association, Jensen is a past national chairman of the IIABA InsurPac Board of Trustees and their Government Affairs Committee. He was awarded the IIABA National Chairman’s Award in 2009 and the Sydney O. Smith Award in 2010, which is the highest legislative award given by the IIABA.

Former IIABSC National Director Jon Jensen (center) was installed on the Executive Committee of our national association Sept. 13 during the national Big “I” Fall Leadership Conference. Pictured with current National Director Jules Anderson (left) and IIABSC Chairman Ken Finch (right).

Remembering Mary Ellis, IIABSC Professional Development Administrator We are very sad to report that IIABSC Professional Development Administrator Mary Ellis passed away on the evening of Tuesday, Sept. 16 at Palmetto Richland hospital in Columbia, S.C. She had recently been diagnosed with a degenerative neurological disorder. Mary had been with IIABSC in the Education Department for nearly 16 years. She was the definition of a teammate, friend and family member. Our small association office is a family, one that all our members are also a part. Our members loved her, and she loved working for them. Special thanks to all of you who have reached out with your memories of Mary along with your support and prayers. Please keep her family in your prayers during this difficult time.

South Carolina Agent & Broker • Fall 2014

11716 WA IIABA ad.pdf

12/18/12

3:55 PM

Personal Umbrella endorsed by IIABA

COMMITMENT A PROMISE WE DON’T TAKE LIGHTLY C

“With 37 years in the bond

business, I know our response

CMY

time can be the difference

Your clients come in all kinds of shapes, sizes and exposures. They all have different risks but they all look to you, their broker, for cost effective coverage. A&M has A-rated admitted and non-admitted multi-markets to cover your client's needs. We make it simple. We make it easy. We make it fast. Get covered by the A&M Umbrella Man — One Application. Multiple Quotes

(800) 234-6977

www.andersonmurison.com

or Fax: (323) 255-0957 800 W. Colorado Blvd. Los Angeles, CA 90041 California License #0323106

between our agent writing a new piece of business or not. I don’t go home at night until every phone call and email has been answered. ”

Steve Kuykendall Surety Manager

you

Utica National starts with Since our humble

beginnings in 1914, we’ve been at the forefront of providing the products and services customers need. One hundred years later, we are still a leader in niche products and offer cutting-edge products like: Right Pay, E-surity and an easy-to-use small business platform. What we haven’t moved away from? Listening to you, understanding what is important to you and delivering on that expectation. Utica National focuses on our

agent-customers and being here for you, in all ways. Call today to discuss how we can partner together to add value to your agency.

Mark V. Poindexter, Senior Marketing Representative Tel: 301-249-6728 • Cell: 301-395-7366 mark.poindexter@uticanational.com Thomas M. Garcia, CPCU, Senior Marketing Representative Tel: 804-739-4190 or 804-560-6681 thomas.garcia@uticanational.com

Managing General Agency Since 1920

800.538.4796

jmwilson.com

Property/Casualty • Professional Liability • Surety Commercial Transportation • Personal Lines • Premium Finance

Fall 2014 • South Carolina Agent & Broker

Thank you,

Palmetto Partners The Palmetto Partners program was created as a simplified way for companies, brokers and vendors to support the association and all our major conferences and events on an ongoing basis.

Diamond Level

Johnson & Johnson Progressive Insurance United Property & Casualty IIABSC Agency

Platinum Level

Liberty Mutual Insurance

Gold Level

Jackson Sumner & Associates Safeco Insurance St. Johns Insurance Company

Silver Level

AFCO/Prime Rate Premium Finance American Strategic Insurance Bankers Insurance Group Frontline Insurance Imperial PFS Main Street America Group National Security Fire & Casualty Preferred Specialty Prime Insurance Co. RPS Southern Cross Underwriters Travelers

Now accepting 2015 pledges Bronze Level

Access Insurance Co. Accident Fund Ins. Co. of America Amerisafe Auto-owners Insurance Co. Berkley Southeast Insurance Group Capitol Preferred Insurance Co. & Southern Fidelity Central Insurance Co. FirstComp Genesee General Hanover Excess & Surplus Insurance House

www.iiabsc.com/partners 36

South Carolina Agent & Broker â&#x20AC;˘ Fall 2014

The Hartford J.M. Wilson Lighthouse Property Insurance Corp. Mid-Continent Group Phenix Mutual Fire Ins. Co. Penn National Insurance Risk Innovations, LLC Southern Insurance Underwriters State Auto Insurance Co. Stonewood Insurance Underwriters Tapco Underwriters Westfield Insurance

Calendar

m m

View up-to-date calendar, course descriptions and register using our CLASSROOM COURSES online Education & Event Calendar at www.iiabsc.com/education WEBCAST/WEBINAR - no test required for CE Credit

October

Business Auto Claims That Cause Problems, 2 hrs. P&C

AIAM Day 2, Greenville, 6 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Business Income: Beyond the Basics, 3 hrs. P&C

Directors & Officers Liability Insurance, 2 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P&C

CISR William T. Hold Seminar, Charleston, 7 hrs. P&C

05-07

Annual Convention, Isle of Palms

Liability Issues to Worry About, 2 hrs. P&C

Those Kids and Their Cars!, 2 hrs. P&C

Top 5 Life Insurance Uses, 2 hrs. L&H

Certificates of Insurance, 3 hrs. P&C

AIAM Day 4, Hilton Head, 2 P&C, 4 Ethics

SC Surplus Lines License Review Course, 3 hrs. P&C

Agency Management Based E&O and Ethics, 3 hrs. Ethics

Commercial Lines Claims That Cause Problems, 2 hrs. P&C

E&O Risk Management Meeting the Challenge of Change,

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

Charleston, 3 P&C, 3 Ethics

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

Business Income: the Mystery Continues, Columbia, 6 hrs. P&C

CISR Personal Residential Property, Myrtle Beach, 7 hrs. P&C

Personal Lines Claims That Cause Problems, 2 hrs. P&C

NFIP Basic Course w/2013 Updates, 3 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

Business Income: the Mystery Continues, Charleston, 6 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

CISR Commercial Casualty II, Greenville, 7 hrs. P&C

COPE: Property Underwriting & Loss Control, 2 hrs. P&C

CISR Personal Auto, Florence, 7 hrs. P&C

Building Codes are BAD for Your Insureds, 2 hrs. P&C

E&O Risk Management Meeting the Challenge of Change,

Hilton Head, 3 P&C, 3 Ethics

December

Retirement Planning and Annuities, 2 hrs. L&H

Hot Topics in Personal Lines, 2 hrs. P&C

Insurance and the Property Lease, 2 hrs. P&C

SC Surplus Lines License Review Course, 3 hrs. P&C

Hot Topics in Personal Lines, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

Commercial Lines Claims That Cause Problems, 2 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

CISR Personal Lines Miscellaneous, Greenville, 7 hrs. P&C

November

Those Kids and Their Cars!, 2 hrs. P&C

Certificates of Insurance, 3 hrs. P&C

Business Income: Beyond the Basics, 3 hrs. P&C

05-07

CIC Life and Health Institute, Hilton Head, 20 hrs. L&H

NFIP Basic Course w/2013 Updates, 3 hrs. P&C

SC Surplus Lines License Review Course, 3 hrs. P&C

Retirement Planning and Annuities, 2 hrs. L&H

NFIP Basic Course w/2013 Updates, 3 hrs. P&C

Directors and Officers Liability Insurance, 2 hrs. P &C

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

Insurance and the Property Lease, 2 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

Data Privacy Insurance, 2 hrs. P&C

CISR Agency Operations, Columbia, 6 P&C or LH, 1 Ethics

E&O Risk Management Meeting Challenge of Change Part 1, 3 hrs. P&C

An Errors & Omissions Mock Trial, 2 hrs. P&C

E&O Risk Management Meeting Challenge of Change Part 2, 3 hrs. Ethics

Estate Planning: Gifts, Trusts & Life Insurance, 2 hrs. L&H

Fall 2014 â&#x20AC;˘ South Carolina Agent & Broker

2014 Board of Directors

Executive Committee Chairman Kenneth A. “Ken” Finch, CPCU, CIC, CRM, AAI Adams, Eaddy & Associates Columbia, SC kfinch@adamseaddy.com Chairman Elect/ Treasurer R. Scott Moseley Irmo Insurance Agency Irmo, SC scott@irmoins.com

National Director Jules J. Anderson, Jr., AAI Anderson Insurance Associates Charleston, SC janderson@aiasc.com Immediate Past Chairman Ashley Brady, CIC First Charter Co., Inc Marion, SC abrady@firstcharterins.com

Secretary Tom Bates, Jr. Herlong Bates Burnett Greenville, SC tom@hbbins.com

Directors William J. Bowers, AIP (Will) Russell Massey & Co., Inc. Columbia, SC will@russellmassey.com

James B. Galloway (Ben) Peoples First Insurance Rock Hill, SC bengalloway@peoplesfirstinsurance.com

Angus M. Brabham, IV, CIC (Gus) Regions Insurance Columbia, SC gus.brabham@regions.com

Dana D. Groome, CIC, CPCU, CISR, ACSR Peoples Underwriters Inc. Conway, SC danag@peoplesunderwriters.com

J. Robert Bryant, Jr. (Bobby) Robert Bryant & Son, Inc. Orangeburg, SC bobby@robertbryantandson.com Stephen B. Cannon, PhD, CPCU (Steve) Law Insurance Agency, Inc Spartanburg, SC scannon4@juno.com Harrison G. Cline, CIC, AIP The Furman Co. Insurance Agency Greenville, SC hcline@furmanco.com

Willard A. Silcox, III, ACSR (Bill) C.T. Lowndes & Company Mt. Pleasant, SC bsilcox@ctlowndes.com James G. Taylor, Jr., CIC (Jay) Kinghorn Insurance Agency of Beaufort Beaufort, SC jtaylor@insurancebeaufort.com

For Dwelling Fire/Mobile Home Insurance, put your trust in a company that has been insuring homes for over 50 years. National Security Can Provide You With: • $125,000 Maximum Policy Limits • AAIS Basic Form 1 Policy • Direct Contract with National Security • 15% New & Renewal Commission • Partnership Profit Sharing • Fast Online Policy Issuance • Tenant Schedule Option • Easy Payment Options National Security has provided competitive, affordable insurance to policyholders for over 50 years, but we also provide a lot for our agents, with competitive commissions, excellent customer service and experienced company adjusters. As an admitted Southeastern based regional company, National Security prides itself on fast, efficient service from a friendly small town company, and online access for all agents, providing fast quotes, online policy issuance, online dec page printing, and real-time policy information.

We are now accepting new appointments. Find out more by calling Sharon at 1-800-239-2358 x213 or visit nationalsecuritygroup.com.

South Carolina Agent & Broker • Fall 2014

Elba, Alabama

Join the Best Network in the South

CHARLOT TE RALEIGH

ISU Members Earn More and Enjoy More Benefits:

Receive Increased and Direct Carrier Access

ember UM

12 A v e r a g

Receive 100% of Policy Commissions

628%e

Earn Profit Sharing from First Dollar with No Minimum Requirements Own 100% of their Book and Client Relationships Suffer NO Contract Termination Fees or Penalties for Carrier Access Restrictions

Join the Select Independent Agents Nationwide who Share a Unique Competitive Advantage ISU â&#x20AC;&#x201C; The Power of Independence and the Strength of Unity Over 160 Offices and 1700 Professionals accessing over 300 Carriers Nationwide

Go to www.Join ISU.com or call 877-500-4478

The ISU Agency Network

AT L A N TA COLUMBIA