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EXPRESS “What You Don’t Know Can’t Help You!” … Eddie K. Emmett, Editor / Publisher
The Axeman Cometh! In This Edition THE AXEMAN COMETH! .................. 1 2012 GEORGIA PPA PAGE 14LIABILITY ....................................... 2 2012 GEORGIA PPA PAGE 14PHYSICAL DAMAGE .................... 178 THE FINE PRINT ........................... 32 ADDRESSING BEHAVIOR AND PERFORMANCE ISSUES ................. 37 WAYNE HOOPER REPORTS: THE BEST BARBECUE (BARBEQUE) OR BBQ RESTAURANTS IN GEORGIA PER AN FYI SURVEY........................................ 40 AT LEGALSHIELD, INSURANCE AGENCIES BENEFIT BIG................. 43
INSURANCE EXPO 2013 “Rebooting Insurance Offices!”
July 11 – 13, 2013 Sonesta Gwinnett Place in Duluth, GA
Rooms only $94.00 if reserved by June 27th FYI EXPRESS
Check out the Production & Loss Statements in this edition. If you have been tracking it, you will notice that in many cases over the years the companies’ volume has increased along with a significant increase in the loss ratio. And other companies have introduced new underwriting tools that help them better understand policyholders, household structures and vehicle utilization. These new underwriting tools have added to the sophistication of rate making, raised the speed and standard of field underwiting, but also added greatly to the cost of doing business. For example, some companies spend $50 - $60 per application in Georgia just on quote and point of sale customer data. They verify current carrier information, score financial responsibility, pre-fill driver and vehicle information, and run MVR / CLUE for every customer. It doesn’t take long for those costs to add up. So what is a company to do? Some of the more sophisticated companies have introduced eSignature platforms that allow customers to “point & click” their way through an application while in the agency. These enhancements should represent a substantial savings in time, paper, ink, storage, as well as a reduced E&O exposure for agencies.
Page 1
Assuming, of course, that your agency has embraced the digital changes and do not continue to hold fast to the old way of conducting business. Some of the company management teams will vote to reduce the number of agency appointments in order to restore business back to a more profitable position. Other will reduce commission paid to the agency. Why wouldn’t a company simply raise fees and premium to offset the increased cost of doing business? #1 – most of the carriers are already at the high end of the fees approved by GA DOI. #2 – You, the agent, have told the companies over and over that price, not stability or service, is the most important weapon in your arsenal. So what should an agency do before “The Axeman Cometh”? With the coming reduction in agency appointments, the value of your agency contract has increased and I encourage you to safeguard that with ongoing profitable business. Take time to review your agency’s field underwriting and criteria to ensure a solid book of business. And plan to attend Insurance Expo 2013 to check out replacement companies … just in case … The Axeman Cometh!
June, 2013
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com 2012 Georgia PPA Page 14 - Liability 2012 Georgia PPA Liability
Company Name 21st Century Centennial Ins Co
Direct
Cumulative
Direct
Direct
Pure
Premiums
Market
Market
Premiums
Losses
Direct
Written
Share
Share
Earned
Incurred
Loss Ratio
9,997,721
0.31%
0.31%
9,392,970
6,469,865
68.88%
21st Century Ind Ins Co
0
0%
0.31%
0
-30,030
0%
21st Century Ins Co
0
0%
0.31%
0
-259,306
0%
1,440,534
0.05%
0.36%
1,564,902
900,017
57.51%
0
0%
0.36%
0
-24,214
0%
15,080,395
0.47%
0.83%
14,319,503
9,971,086
69.63%
AGCS Marine Ins Co
0
0%
0.83%
0
-2,029
0%
AIU Ins Co
0
0%
0.83%
0
-2,264
0%
21st Century N Amer Ins Co 21st Century Natl Ins Co ACCC Ins Co
ATX Premier Insurance Company
0
0%
0.83%
0
-1,106
0%
1,032,877
0.03%
0.86%
1,065,509
1,287,417
120.83%
0
0%
0.86%
0
6
0%
Affirmative Ins Co
34,383
0.00%
0.86%
37,564
23,290
62.00%
Alfa Gen Ins Corp
6,215,614
0.19%
1.06%
6,221,651
5,524,920
88.80%
19,562,184
0.61%
1.67%
19,187,349
14,093,124
73.45%
2,707,642
0.08%
1.76%
2,141,666
1,855,204
86.62%
0
0%
1.76%
0
-3,406
0%
Allied Prop & Cas Ins Co
1,091,162
0.03%
1.79%
409,797
372,235
90.83%
Allmerica Fin Alliance Ins Co
7,837,300
0.25%
2.04%
8,433,141
6,522,095
77.34%
Allmerica Fin Benefit Ins Co
3,387,558
0.11%
2.14%
2,320,692
2,146,194
92.48%
188,460,501
5.91%
8.05%
183,482,558
142,173,862
77.49%
Allstate Ind Co
7,065,206
0.22%
8.27%
7,562,613
6,552,094
86.64%
Allstate Ins Co
70,105,534
2.20%
10.47%
72,565,810
53,151,457
73.25%
Allstate Prop & Cas Ins Co
29,251,019
0.92%
11.39%
30,393,207
19,287,103
63.46%
452,300
0.01%
11.40%
501,760
443,872
88.46%
Access Ins Co Ace Amer Ins Co
Alfa Ins Corp Alfa Specialty Ins Corp All Amer Ins Co
Allstate Fire & Cas Ins Co
Alpha Prop & Cas Ins Co AmTrust Ins Co of KS Inc
0
0%
11.40%
0
-41
0%
Amco Ins Co
169,711
0.01%
11.41%
165,001
321,770
195.01%
American Bankers Ins Co Of FL
453,491
0.01%
11.42%
446,464
150,794
33.78%
American Economy Ins Co
82,960
0.00%
11.43%
91,671
12,835
14.00%
American Family Home Ins Co
33,940
0.00%
11.43%
45,058
8,135
18.05%
13,910,210
0.44%
11.86%
12,043,331
16,516,563
137.14%
American Guar & Liab Ins
0
0%
11.86%
0
100
0%
American Home Assur Co
0
0%
11.86%
0
-17,107
0%
American Independent Ins Co
1,113,397
0.03%
11.90%
633,984
456,391
71.99%
American Mercury Ins Co
3,342,336
0.10%
12.00%
3,706,181
2,534,766
68.39%
American Modern Home Ins Co
310,968
0.01%
12.01%
291,751
1,068
0.37%
American Modern Select Ins Co
322,753
0.01%
12.02%
353,729
294,190
83.17%
American Natl Gen Ins Co
401,966
0.01%
12.03%
416,262
304,037
73.04%
4,700,398
0.15%
12.18%
4,456,000
2,915,125
65.42%
American Reliable Ins Co
104,402
0.00%
12.19%
117,217
118,065
100.72%
American Security Ins Co
71,882
0.00%
12.19%
79,691
461,544
579.17%
American Family Ins Co
American Natl Prop & Cas Co
FYI EXPRESS
Page 2
June, 2013
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American Standard Ins Co Of OH American States Ins Co
6,547,305
0.21%
12.39%
5,633,740
7,027,609
124.74%
270,037
0.01%
12.40%
303,323
203,568
67.11%
American States Ins Co Of TX
56,768
0.00%
12.40%
61,261
-5,217
-8.52%
American States Preferred Ins Co
39,028
0.00%
12.40%
44,203
54,272
122.78%
0
0%
12.40%
0
13,248
0%
2,438,747
0.08%
12.48%
2,338,343
2,370,436
101.37%
0
0%
12.48%
0
-100,401
0%
14,902,366
0.47%
12.95%
15,159,129
10,674,100
70.41%
0
0%
12.95%
0
-411
0%
American Zurich Ins Co Ameriprise Ins Co Amex Assur Co Amica Mut Ins Co Arch Ins Co Assurance Co Of Amer
0
0%
12.95%
0
-841
0%
AssuranceAmerica Ins Co
7,545,704
0.24%
13.18%
8,413,828
4,269,056
50.74%
Auto Club S Ins Co
2,319,041
0.07%
13.26%
2,551,552
1,554,663
60.93%
Auto Owners Ins Co
22,566,187
0.71%
13.96%
22,521,662
22,309,485
99.06%
1,215,923
0.04%
14.00%
1,341,033
958,001
71.44%
0
0%
14.00%
0
-313,252
0%
5,003,939
0.16%
14.16%
5,421,995
2,379,646
43.89%
174,277
0.01%
14.17%
193,389
41,576
21.50%
Automobile Ins Co Of Hartford CT Balboa Ins Co Bankers Standard Ins Co Bristol W Ins Co CNL Ins Amer Inc
0
0%
14.17%
0
-100
0%
1,551,842
0.05%
14.21%
1,516,417
1,874,558
123.62%
11,429,206
0.36%
14.57%
11,340,624
8,174,115
72.08%
2,883,969
0.09%
14.66%
2,994,151
2,860,410
95.53%
726,586
0.02%
14.69%
769,940
583,282
75.76%
0
0%
14.69%
0
10,943
0%
950,028
0.03%
14.72%
958,674
433,957
45.27%
0
0%
14.72%
0
-27,916
0%
Chubb Natl Ins Co
1,359,617
0.04%
14.76%
1,228,063
632,106
51.47%
Cincinnati Cas Co
0
0%
14.76%
0
590
0%
20,444,170
0.64%
15.40%
20,107,673
13,259,067
65.94%
Citizens Ins Co Of Amer
967,822
0.03%
15.43%
1,077,524
688,252
63.87%
Civic Prop & Cas Co
110,272
0.00%
15.43%
118,021
-148,394
-125.74%
5,919,883
0.19%
15.62%
6,010,338
3,387,573
56.36%
323,360
0.01%
15.63%
312,809
359,299
114.86%
23,608
0.00%
15.63%
18,863
-1,343
-7.12%
Continental Cas Co
0
0%
15.63%
0
6,555
0%
Continental Ins Co
0
0%
15.63%
0
-37,596
0%
Cornerstone Natl Ins Co
5,698,719
0.18%
15.81%
6,629,176
8,627,819
130.15%
Country Cas Ins Co
1,217,099
0.04%
15.85%
1,234,275
770,558
62.43%
Country Mut Ins Co
47,561,404
1.49%
17.34%
47,471,791
36,518,307
76.93%
Country Pref Ins Co
9,846,286
0.31%
17.65%
9,297,248
6,004,367
64.58%
Dairyland Ins Co
1,298,235
0.04%
17.69%
1,322,552
1,114,835
84.29%
Depositors Ins Co
8,341,584
0.26%
17.95%
8,897,146
6,651,358
74.76%
Direct Gen Ins Co
12,805,288
0.40%
18.35%
13,299,080
7,726,309
58.10%
California Cas Ind Exch Central Mut Ins Co Charter Ind Co Charter Oak Fire Ins Co Chartis Cas Co Chartis Prop Cas Co Chicago Ins Co
Cincinnati Ins Co
Coast Natl Ins Co Commercial Alliance Ins Co Companion Prop & Cas Ins Co
FYI EXPRESS
Page 4
June, 2013
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Janice Cantrell Marketing 912-398-5295
marketing@aggressiveusa.com
www.aggressiveusa.com
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Drivers Ins Co
379,636
0.01%
18.36%
399,441
288,304
72.18%
Economy Premier Assur Co
1,951,993
0.06%
18.42%
2,009,808
1,475,796
73.43%
Electric Ins Co
1,038,408
0.03%
18.45%
973,442
863,964
88.75%
Emcasco Ins Co
0
0%
18.45%
0
-1,448
0%
Empire Fire & Marine Ins Co
0
0%
18.45%
0
20,500
0%
Encompass Ind Co
7,384,310
0.23%
18.69%
8,166,644
6,334,242
77.56%
Encompass Ins Co Of Amer
4,044,917
0.13%
18.81%
4,472,491
2,019,255
45.15%
Encompass Prop & Cas Co
1,079,614
0.03%
18.85%
1,264,784
941,665
74.45%
Equity Ins Co
5,327,006
0.17%
19.01%
4,707,916
5,169,046
109.79%
687,637
0.02%
19.04%
654,233
192,374
29.40%
Essentia Ins Co Esurance Ins Co
2,652,131
0.08%
19.12%
2,859,759
1,962,931
68.64%
14,422,724
0.45%
19.57%
12,722,090
8,901,937
69.97%
0
0%
19.57%
0
1,511
0%
15,099,819
0.47%
20.04%
14,922,259
10,898,038
73.03%
315,642
0.01%
20.05%
369,868
136,029
36.78%
0
0%
20.05%
0
-66
0%
Federal Ins Co
214,348
0.01%
20.06%
232,940
106,682
45.80%
Federated Natl Ins Co
362,273
0.01%
20.07%
601,425
734,546
122.13%
Firemans Fund Ins Co
1,342,044
0.04%
20.11%
1,420,342
1,334,759
93.97%
67,305
0.00%
20.12%
72,899
42,284
58.00%
25,243,999
0.79%
20.91%
24,894,201
21,131,779
84.89%
1,010
0%
20.91%
958
-240
-25.05%
872,435
0.03%
20.94%
966,679
249,987
25.86%
2,758,185
0.09%
21.02%
2,562,122
3,410,809
133.12%
-232
0%
21.02%
3,282
-4,748
-144.67%
22,594,563
0.71%
21.73%
21,467,133
29,857,886
139.09%
Esurance Prop & Cas Ins Co Ethio Amer Ins Co Everest Security Ins Co Farmers Ins Exch Farmington Cas Co
First Acceptance Ins Co Inc First Acceptance Ins Co of GA Inc First Liberty Ins Corp First Natl Ins Co Of Amer Foremost Ins Co Grand Rapids MI Foremost Signature Ins Co Garrison Prop & Cas Ins Co Geico Cas Co
1,612,309
0.05%
21.78%
1,864,219
1,065,412
57.15%
Geico Gen Ins Co
158,883,999
4.98%
26.76%
158,533,627
125,648,648
79.26%
Geico Ind Co
102,630,331
3.22%
29.98%
100,962,047
66,274,468
65.64%
292,842
0.01%
29.99%
322,031
16,594
5.15%
0
0%
29.99%
0
-4
0%
Georgia Farm Bureau Cas Ins Co
2,922,240
0.09%
30.08%
3,211,825
1,985,979
61.83%
Georgia Farm Bureau Mut Ins Co
97,700,831
3.06%
33.14%
96,172,425
69,512,055
72.28%
3,802,834
0.12%
33.26%
3,902,683
3,607,809
92.44%
General Ins Co Of Amer Generali Us Branch
Georgia Mut Ins Co Global Reins Corp Of Amer
0
0%
33.26%
0
-125
0%
68,412,138
2.14%
35.41%
69,142,853
52,300,441
75.64%
852,908
0.03%
35.43%
665,544
422,489
63.48%
3,832,733
0.12%
35.55%
4,008,119
1,109,814
27.69%
11,995,884
0.38%
35.93%
11,687,941
6,588,545
56.37%
0
0%
35.93%
0
-829
0%
107
0%
35.93%
76
2,415
3177.63%
Great Amer Ins Co
0
0%
35.93%
0
232
0%
Great Amer Security Ins Co
0
0%
35.93%
0
93
0%
Government Employees Ins Co Grange Ind Ins Co Grange Mut Cas Co Grange Prop & Cas Ins Co Granite State Ins Co Great Amer Assur Co
FYI EXPRESS
Page 6
June, 2013
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Great Amer Spirit Ins Co
0
0%
35.93%
0
129
0%
Great Northern Ins Co
1,789,513
0.06%
35.99%
1,901,877
898,106
47.22%
Greenstar Ins Co
2,311,891
0.07%
36.06%
1,457,484
2,017,297
138.41%
Guideone Amer Ins Co
1,865,307
0.06%
36.12%
1,908,904
1,451,495
76.04%
Guideone Elite Ins Co
2,251,315
0.07%
36.19%
2,306,072
2,093,733
90.79%
Guideone Mut Ins Co
929,323
0.03%
36.22%
968,418
367,535
37.95%
Guideone Specialty Mut Ins Co
2,090,186
0.07%
36.28%
1,902,414
1,452,354
76.34%
Hallmark Ins Co
2,316,541
0.07%
36.36%
2,827,795
3,332,787
117.86%
63,087
0.00%
36.36%
86,531
59,683
68.97%
191,040
0.01%
36.36%
212,951
333,810
156.75%
Hallmark Natl Ins Co Hanover Ins Co Harleysville Preferred Ins Co
188,577
0.01%
36.37%
141,761
146,811
103.56%
1,818,107
0.06%
36.43%
1,583,549
1,255,900
79.31%
Hartford Cas Ins Co
269,088
0.01%
36.43%
297,098
12,953
4.36%
Hartford Fire In Co
164,564
0.01%
36.44%
180,689
203,981
112.89%
6,670,599
0.21%
36.65%
6,794,351
4,887,997
71.94%
10,318,574
0.32%
36.97%
9,247,201
6,318,864
68.33%
Hartford Underwriters Ins Co
2,198,541
0.07%
37.04%
2,402,674
497,216
20.69%
Haulers Ins Co Inc
1,156,546
0.04%
37.08%
1,025,149
767,401
74.86%
Horace Mann Ins Co
2,666,083
0.08%
37.16%
2,784,200
923,358
33.16%
Horace Mann Prop & Cas Ins Co
2,412,451
0.08%
37.24%
2,089,911
1,752,211
83.84%
IDS Prop Cas Ins Co
3,006,521
0.09%
37.33%
3,089,255
3,443,214
111.46%
0
0%
37.33%
0
-15
0%
Infinity Auto Ins Co
25,277,283
0.79%
38.12%
25,858,549
19,500,168
75.41%
Infinity Cas Ins Co
0
0%
38.12%
0
13,842
0%
1,315,949
0.04%
38.16%
2,802,350
2,200,401
78.52%
0
0%
38.16%
0
6,192
0%
2,518,634
0.08%
38.24%
2,352,148
1,949,094
82.86%
0
0%
38.24%
0
13,878
0%
6,280,466
0.20%
38.44%
4,136,453
3,391,825
82.00%
Infinity Standard Ins Co
0
0%
38.44%
0
-17,991
0%
Insurance Co Of The State Of PA
0
0%
38.44%
-21,539
0
0%
2,384,533
0.07%
38.52%
2,381,633
1,698,089
71.30%
86,154
0.00%
38.52%
91,968
99,324
108.00%
154,808
0.00%
38.52%
172,231
-159
-0.09%
4,495,134
0.14%
38.66%
5,265,926
6,940,882
131.81%
71,048
0.00%
38.67%
71,414
131
0.18%
6,760,992
0.21%
38.88%
6,576,393
4,303,591
65.44%
23,305,090
0.73%
39.61%
14,985,369
9,974,624
66.56%
LM Ins Corp
2,041,612
0.06%
39.67%
1,417,105
1,439,991
101.62%
Liberty Ins Corp
2,957,433
0.09%
39.77%
3,312,692
1,967,969
59.41%
88,981,507
2.79%
42.55%
91,381,719
69,822,905
76.41%
0
0%
42.55%
0
2,689
0%
-59,150
0.00%
42.55%
-59,150
25,000
-42.27%
Hartford Accident & Ind Co
Hartford Ins Co Of The Midwest Hartford Ins Co Of The Southeast
Illinois Natl Ins Co
Infinity Ins Co Infinity Reserve Ins Co Infinity Safeguard Ins Co Infinity Security Ins Co Infinity Select Ins Co
Insuremax Ins Co Integon Gen Ins Corp Integon Ind Corp Integon Natl Ins Co Ironshore Ind Inc Knightbrook Ins Co LM Gen Ins Co
Liberty Mut Fire Ins Co Liberty Mut Ins Co Lincoln Gen Ins Co
FYI EXPRESS
Page 8
June, 2013
WHY SHOULD YOU JOIN GAINSCO? WHAT GEORGIA AGENTS ARE SAYING... “Most non-standard companies are not in the game for the long haul. But we as agency owners feel that GAINSCO will be here not only for the next year but for decades to come.” – Shawn Reynolds, Esquire Insurance, Winder, GA
“Our GAINSCO rep makes us feel like we’re part of the team.”
“GAINSCO has great prices and a website that makes it very easy to quote and sell.”
– Lori Blalock, ABC Insurance, Dalton, GA
– Yolanda Bargas, Liberty Tax Service, Cumming, GA
NON-STANDARD SPECIALISTS HIGHLY COMPETITIVE RATES INTERNATIONAL LICENSES EASE OF DOING BUSINESS NON-OWNER LIABILIT Y
APPOINTING NEW AGENTS NOW! Get started now at
www.gainsco.com/georgia
WWW.GAINSCO.COM/GEORGIA
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Loya Ins Co
2,162,024
0.07%
42.62%
1,901,264
1,997,912
105.08%
MGA Ins Co Inc
5,293,849
0.17%
42.79%
5,061,317
3,497,344
69.10%
803,383
0.03%
42.81%
862,102
1,189,156
137.94%
0
0%
42.81%
0
-25,235
0%
Main St Amer Assur Co
681,159
0.02%
42.83%
739,533
790,886
106.94%
Markel Amer Ins Co
123,721
0.00%
42.84%
130,613
90,976
69.65%
0
0%
42.84%
0
6,526
0%
Massachusetts Bay Ins Co
774,551
0.02%
42.86%
854,322
-258,761
-30.29%
Mendakota Ins Co
421,730
0.01%
42.87%
453,181
255,774
56.44%
58,484
0.00%
42.88%
64,509
96,286
149.26%
MIC Gen Ins Corp Maiden Specialty Ins Co
Maryland Cas Co
Mendota Ins Co Merastar Ins Co
1,732,193
0.05%
42.93%
1,816,593
2,050,689
112.89%
Mercury Ind Co Of GA
18,260,445
0.57%
43.50%
17,420,844
13,171,202
75.61%
Mercury Ins Co Of GA
307,499
0.01%
43.51%
328,899
134,847
41.00%
4,900,946
0.15%
43.67%
3,899,688
4,077,515
104.56%
0
0%
43.67%
0
8,354
0%
7,612,653
0.24%
43.91%
7,282,946
7,212,298
99.03%
Metropolitan Drt Prop & Cas Ins Co
253,002
0.01%
43.91%
261,782
39,113
14.94%
Metropolitan Gen Ins Co
228,835
0.01%
43.92%
236,713
91,648
38.72%
16,735,532
0.52%
44.45%
15,572,175
12,344,346
79.27%
3,152,707
0.10%
44.54%
3,248,569
2,323,256
71.52%
Mid Century Ins Co
277,018
0.01%
44.55%
108,107
67,027
62.00%
Middle Ga Mut Ins Co
256,085
0.01%
44.56%
112,358
37,348
33.24%
Middlesex Ins Co
27,492
0.00%
44.56%
33,292
786
2.36%
NGM Ins Co
-2,334
0.00%
44.56%
1,332
9,367
703.23%
National Gen Assur Co
5,238,422
0.16%
44.73%
4,892,224
2,951,220
60.32%
National Gen Ins Co
1,248,682
0.04%
44.76%
1,304,663
454,751
34.86%
70,330
0.00%
44.77%
77,124
23,931
31.03%
0
0%
44.77%
0
-4,734
0%
-45,379
0.00%
44.77%
-45,380
2,565,607
-5653.61%
30,031
0.00%
44.77%
989
0
0%
38,585,671
1.21%
45.98%
33,214,174
32,485,773
97.81%
251,896
0.01%
45.98%
282,852
107,282
37.93%
54,192
0.00%
45.99%
95,326
253,069
265.48%
Nationwide Ins Co Of Amer
104,488
0.00%
45.99%
118,501
85,812
72.41%
Nationwide Mut Fire Ins Co
24,119,077
0.76%
46.75%
24,579,679
15,193,762
61.81%
1,094
0%
46.75%
64,496
73,868
114.53%
28,326,567
0.89%
47.63%
29,775,478
23,131,558
77.69%
0
0%
47.63%
1
-290
-29000%
New South Ins Co
125,090
0.00%
47.64%
145,933
89,746
61.50%
Northbrook Ind Co
19,604,078
0.61%
48.25%
20,212,450
13,275,002
65.68%
Northern Ins Co Of NY
0
0%
48.25%
-213
-1,241
582.63%
Ohio Farmers Ins Co
0
0%
48.25%
0
-64
0%
Old Dominion Ins Co
134,823
0.00%
48.26%
149,564
134,153
89.70%
Meridian Security Ins Co Meritplan Ins Co Metropolitan Cas Ins Co
Metropolitan Grp Prop & Cas Ins Co Metropolitan Prop & Cas Ins Co
National Interstate Ins Co National Security Fire & Cas Co National Union Fire Ins Co Of Pitts National Unity Ins Co Nationwide Affinity Co of Amer Nationwide Assur Co Nationwide Gen Ins Co
Nationwide Mut Ins Co Nationwide Prop & Cas Ins Co New Hampshire Ins Co
FYI EXPRESS
Page 10
June, 2013
SM
Insurance Company
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Omni Ind Co
6,103,000
0.19%
48.45%
5,657,834
5,043,385
89.14%
Omni Ins Co
130,655
0.00%
48.45%
161,660
148,391
91.79%
OneBeacon Ins Co
0
0%
48.45%
0
31,802
0%
OneBeacon Midwest Ins Co
0
0%
48.45%
0
-5,431
0%
38,941,098
1.22%
49.67%
37,161,370
29,766,368
80.10%
Pacific Ind Co
280,863
0.01%
49.68%
305,178
442,818
145.10%
Pacific Specialty Ins Co
123,663
0.00%
49.69%
134,840
35,217
26.12%
Patriot Gen Ins Co
2,060,606
0.06%
49.75%
2,231,825
1,784,486
79.96%
Peak Prop & Cas Ins Corp
3,862,286
0.12%
49.87%
4,085,748
3,471,466
84.97%
0
0%
49.87%
0
-300
0%
4,891,027
0.15%
50.02%
5,620,997
4,391,133
78.12%
0
0%
50.02%
0
-38,111
0%
4,408,901
0.14%
50.16%
4,005,248
3,251,751
81.19%
10,161,110
0.32%
50.48%
10,422,236
8,346,564
80.08%
Pharmacists Mut Ins Co
25,170
0.00%
50.48%
26,492
13,655
51.54%
Philadelphia Ind Ins Co
99,976
0.00%
50.48%
102,194
88,686
86.78%
4,373,857
0.14%
50.62%
4,702,643
2,348,126
49.93%
169,636
0.01%
50.63%
162,497
105,061
64.65%
Owners Ins Co
Peerless Ind Ins Co Peerless Ins Co Pennsylvania Ins Co Permanent Gen Assur Corp Permanent Gen Assur Corp Of OH
Phoenix Ins Co Privilege Underwriters Recp Exch Progressive Advanced Ins Co
8,722,393
0.27%
50.90%
7,323,270
4,079,335
55.70%
11,503,821
0.36%
51.26%
12,387,681
6,675,583
53.89%
9,501,786
0.30%
51.56%
10,262,026
5,599,500
54.57%
-611
0%
51.56%
-611
-1,539
251.88%
Progressive Classic Ins Co
11,154,191
0.35%
51.91%
11,951,660
5,136,724
42.98%
Progressive Direct Ins Co
8,523,776
0.27%
52.18%
8,809,777
4,963,764
56.34%
Progressive Gulf Ins Co
540,546
0.02%
52.19%
1,245,893
392,217
31.48%
Progressive Max Ins Co
741,573
0.02%
52.22%
1,615,573
455,916
28.22%
Progressive Mountain Ins Co
241,094,048
7.56%
59.77%
237,349,002
167,144,174
70.42%
Progressive Northern Ins Co
10,432
0.00%
59.78%
28,584
13,537
47.36%
0
0%
59.78%
0
-10,963
0%
-267
0%
59.78%
-267
-103,901
38914.23%
Progressive Premier Ins Co Of IL
133,606,225
4.19%
63.96%
127,946,330
84,383,910
65.95%
Progressive Southeastern Ins Co
5,612,316
0.18%
64.14%
6,318,913
3,415,341
54.05%
Property & Cas Ins Co Of Hartford
1,826,245
0.06%
64.20%
1,994,091
1,406,864
70.55%
0
0%
64.20%
0
51
0%
Response Ins Co
313,118
0.01%
64.21%
402,408
852,551
211.86%
Response Worldwide Ins Co
313,479
0.01%
64.22%
356,250
388,552
109.07%
15,090,780
0.47%
64.69%
15,589,226
9,755,988
62.58%
Safeco Ins Co Of Amer
4,451,308
0.14%
64.83%
4,744,515
2,692,223
56.74%
Safeco Ins Co Of IL
9,942,622
0.31%
65.14%
7,879,075
4,049,529
51.40%
Safeco Ins Co Of IN
7,424,427
0.23%
65.37%
5,764,213
3,359,741
58.29%
Safeco Natl Ins Co
4,346,813
0.14%
65.51%
4,591,848
3,373,596
73.47%
34,887,171
1.09%
66.60%
34,200,509
24,000,406
70.18%
5,520
0.00%
66.60%
9,106
-1,599
-17.56%
Progressive Amer Ins Co Progressive Bayside Ins Co Progressive Cas Ins Co
Progressive Northwestern Ins Co Progressive Preferred Ins Co
QBE Ins Corp
Safe Auto Ins Co
Safeway Ins Co Of GA Sagamore Ins Co
FYI EXPRESS
Page 12
June, 2013
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
Santa Fe Auto Ins Co
3,722,683
0.12%
66.72%
4,376,467
3,367,223
76.94%
Security Natl Ins Co
0
0%
66.72%
0
-144
0%
Select Ins Co
0
0%
66.72%
0
14
0%
Sentinel Ins Co Ltd
0
0%
66.72%
0
-4,271
0%
Sentry Ins A Mut Co
191,652
0.01%
66.73%
286,714
198,137
69.11%
Southern Cas ns Co
1,554,372
0.05%
66.78%
1,953,536
2,173,666
111.27%
26,995
0.00%
66.78%
42,802
25,081
58.60%
15,782,775
0.49%
67.27%
15,849,352
10,809,798
68.20%
Southern Ins Co Of VA
7,255,489
0.23%
67.50%
7,367,428
5,926,455
80.44%
Southern Mut Ins Co
2,940,306
0.09%
67.59%
2,679,042
1,443,285
53.87%
Southern Pilot Ins Co
2,985,363
0.09%
67.68%
3,573,187
1,969,582
55.12%
Southern Trust Ins Co
4,795,954
0.15%
67.83%
4,746,654
2,087,918
43.99%
Standard Fire Ins Co
6,554,876
0.21%
68.04%
7,205,632
6,500,637
90.22%
312,740
0.01%
68.05%
318,186
153,158
48.13%
4,260,137
0.13%
68.18%
4,672,165
3,594,116
76.93%
947,929
0.03%
68.21%
1,009,890
940,814
93.16%
69,775,030
2.19%
70.40%
65,775,255
51,932,985
78.96%
654,755,895
20.53%
90.93%
641,475,001
459,310,561
71.60%
Stonewood Gen Ins Co
0
0%
90.93%
0
-305,223
0%
Stonewood Natl Ins Co
0
0%
90.93%
0
9,369
0%
Teachers Ins Co
3,076,063
0.10%
91.02%
3,132,728
2,460,173
78.53%
Titan Ind Co
1,224,735
0.04%
91.06%
1,198,821
1,307,380
109.06%
0
0%
91.06%
0
-18
0%
2,851,467
0.09%
91.15%
3,089,845
1,537,395
49.76%
0
0%
91.15%
0
-633
0%
Travelers Commercial Ins Co
12,297,617
0.39%
91.54%
11,828,630
6,983,104
59.04%
Travelers Home & Marine Ins Co
Southern Fire & Cas Co Southern Gen Ins Co
Star Cas Ins Co State Auto Prop & Cas Ins Co State Automobile Mut Ins Co State Farm Fire & Cas Co State Farm Mut Auto Ins Co
Transportation Ins Co Travco Ins Co Travelers Cas & Surety Co
60,810,996
1.91%
93.44%
59,785,535
44,019,948
73.63%
Travelers Ind Co
1,636,831
0.05%
93.50%
1,769,496
1,150,693
65.03%
Travelers Ind Co Of Amer
3,884,305
0.12%
93.62%
4,175,109
2,656,874
63.64%
Travelers Ind Co Of CT
0
0%
93.62%
0
-8,126
0%
Travelers Prop Cas Co Of Amer
0
0%
93.62%
0
165
0%
Trinity Universal Ins Co
0
0%
93.62%
0
1
0%
13,381
0.00%
93.62%
14,616
13,187
90.22%
409,155
0.01%
93.63%
452,801
-58,085
-12.83%
2,221,695
0.07%
93.70%
2,384,431
1,141,415
47.87%
285,118
0.01%
93.71%
236,075
161,138
68.26%
USAA Cas Ins Co
64,078,445
2.01%
95.72%
63,147,054
68,171,349
107.96%
USAA Gen Ind Co
25,282,689
0.79%
96.51%
23,643,596
25,059,531
105.99%
United Automobile Ins Co
14,487,820
0.45%
96.97%
14,357,600
8,195,394
57.08%
United Serv Automobile Assn
82,769,730
2.59%
99.56%
81,664,389
78,956,033
96.68%
3,973
0.00%
99.56%
2,012
4,007
199.16%
Unitrin Auto & Home Ins Co
4,812,701
0.15%
99.71%
4,850,959
3,357,048
69.20%
Unitrin Direct Prop & Cas Co
1,540,032
0.05%
99.76%
1,597,044
1,614,277
101.08%
Triumphe Cas Co Truck Ins Exch Trustgard Ins Co Twin City Fire Ins Co Co
United States Liab Ins Co
FYI EXPRESS
Page 14
June, 2013
High Value Residential Property Programs
HO3 ,HO5, HO6,DP1 and DP3 Luxury Homeowners and Condo Owners Program
Coverage Features : Dwelling Coverage from $600,000 to $10+ Million Wind Available On most Accounts All Counties Welcomed - Waterfront Homes and Coastal Counties
HIGH VALUE HOMEOWNERS and CONDO PROGRAM "A" RATED Surplus Lines Carrier
National Insurance Underwriters 800 Yamato Road Suite 100 Boca Raton, Fl 33431 800.338.2680 Ext 507 Send Acord 80 Application to: www.propertybiz@niuw.com
Coverage Options: Liability Limits up to $1,000,000 Increased Ordinance of Law to 25% (optional) Water Back Up to $25,000 (optional) Loss Assessments to $25,000 (optional) Motorized Golf Cart Physical Damage (optional ) Identity Fraud (Optional ) Extend Liability to Second Location (optional) Replacement Cost on Contents( optional) Scheduled Personal Property (Agreed Value)- (optional) Increase Special Limits -(optional) Personal Injury(optional) Earthquake (optional) Including Seasonal homes, Vacation homes, Owner or Tenant Occupied Single Family Residence, Condos, and Townhouses. * Frame construction may be considered on a case by case submission www.niuw.com
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
Universal Underwriters Ins Co
0
0%
99.76%
0
87,444
0%
Valley Forge Ins Co
0
0%
99.76%
0
1,941
0%
320,303
0.01%
99.77%
404,492
141,085
34.88%
Victoria Select Ins Co
4,725,844
0.15%
99.92%
4,929,006
3,728,274
75.64%
Victoria Specialty Ins Co
1,306,619
0.04%
99.96%
1,215,294
1,343,159
110.52%
Vigilant Ins Co
175,539
0.01%
99.96%
188,690
-58,035
-30.76%
Waco Fire & Cas Ins Co
502,429
0.02%
99.98%
590,965
781,443
132.23%
Warner Ins Co
133,991
0.00%
99.98%
151,720
103,697
68.35%
Victoria Fire & Cas Co
Western Gen Ins Co
-595
0%
99.98%
-306
0
0%
Westfield Ins Co
0
0%
99.98%
0
-156
0%
Westfield Natl Ins Co
0
0%
99.98%
0
-194
0%
508,785
0.02%
100%
175,353
153,764
87.69%
0
0%
100%
0
66,039
0%
3,189,682,374
100%
100%
3,138,311,606
2,360,060,329
75.20%
Workmens Auto Ins Co Zurich Amer Ins Co 311 Companies in Report
FYI EXPRESS
Page 16
June, 2013
Georgia e gia Geo gia Georgia Georgia Geo gia Georgia Homeowners
Dwelling Fire
Vacant Dwellings
Mobile Homes Builders Risk Flood
Serving the Needs of Insurance Agents since 1948
WWW.NATLLOYDS.COM 800.749.6419
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com 2012 Georgia PPA Page 14 - Physical Damage Direct
Cumulative
Direct
Direct
Pure
2012 Georgia PPA Physical Damage
Premiums
Market
Market
Premiums
Losses
Direct
Company Name
Written
Share
Share
Earned
Incurred
Loss Ratio
21st Century Centennial Ins Co
6,024,006
0.26%
0.26%
5,668,659
3,302,568
58.26%
21st Century Ind Ins Co
0
0%
0.26%
0
-3,058
0%
21st Century Ins Co
0
0%
0.26%
0
41,388
0%
915,674
0.04%
0.31%
968,940
264,842
27.33%
0
0%
0.31%
0
22,227
0%
4,368,546
0.19%
0.50%
4,016,630
950,904
23.67%
AGCS Marine Ins Co
0
0%
0.50%
0
1,933
0%
AIU Ins Co
0
0%
0.50%
0
-1,784
0%
ATX Premier Insurance Company
0
0%
0.50%
0
-458
0%
458,084
0.02%
0.52%
457,842
298,621
65.22%
0
0%
0.52%
0
33
0%
Affirmative Ins Co
14,246
0.00%
0.52%
16,117
9,993
62.00%
Alfa Gen Ins Corp
2,791,416
0.12%
0.64%
2,889,513
2,597,966
89.91%
10,445,867
0.46%
1.10%
10,799,978
7,473,106
69.20%
1,244,134
0.05%
1.16%
854,489
465,409
54.47%
21st Century N Amer Ins Co 21st Century Natl Ins Co ACCC Ins Co
Access Ins Co Ace Amer Ins Co
Alfa Ins Corp Alfa Specialty Ins Corp All Amer Ins Co
0
0%
1.16%
0
-3,465
0%
671,942
0.03%
1.18%
251,429
164,748
65.52%
Allmerica Fin Alliance Ins Co
5,825,840
0.26%
1.44%
6,365,721
3,428,405
53.86%
Allmerica Fin Benefit Ins Co
2,493,335
0.11%
1.55%
1,676,567
902,118
53.81%
155,680,509
6.85%
8.40%
154,551,233
72,017,339
46.60%
Allstate Ind Co
4,362,685
0.19%
8.59%
4,650,031
1,165,101
25.06%
Allstate Ins Co
84,440,283
3.71%
12.30%
86,592,923
21,343,065
24.65%
Allstate Prop & Cas Ins Co
24,100,448
1.06%
13.36%
24,563,161
10,322,162
42.02%
Alpha Prop & Cas Ins Co
265,724
0.01%
13.37%
299,397
227,548
76.00%
AmTrust Ins Co of KS Inc
0
0%
13.37%
0
44
0%
641,752
0.03%
13.40%
573,574
324,488
56.57%
6,017,826
0.26%
13.67%
6,290,762
2,799,879
44.51%
37,189
0.00%
13.67%
42,312
3,002
7.09%
169,508
0.01%
13.68%
236,252
79,144
33.50%
11,023,424
0.48%
14.16%
9,688,499
6,230,922
64.31%
0
0%
14.16%
0
-22,171
0%
Allied Prop & Cas Ins Co
Allstate Fire & Cas Ins Co
Amco Ins Co American Bankers Ins Co Of FL American Economy Ins Co American Family Home Ins Co American Family Ins Co American Home Assur Co American Independent Ins Co
766,518
0.03%
14.19%
441,442
374,918
84.93%
2,173,647
0.10%
14.29%
2,503,309
976,512
39.01%
American Modern Home Ins Co
819,649
0.04%
14.33%
836,756
376,088
44.95%
American Modern Select Ins Co
229,745
0.01%
14.34%
312,350
304,364
97.44%
American Natl Gen Ins Co
267,090
0.01%
14.35%
280,146
135,609
48.41%
American Natl Prop & Cas Co
3,031,476
0.13%
14.48%
2,921,503
1,631,029
55.83%
American Reliable Ins Co
3,741,247
0.16%
14.65%
3,934,841
1,848,670
46.98%
American Security Ins Co
613,340
0.03%
14.67%
675,466
520,324
77.03%
American Serv Ins Co Inc
0
0%
14.67%
0
-2,456
0%
American Mercury Ins Co
FYI EXPRESS
Page 18
June, 2013
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American Standard Ins Co Of OH
3,622,638
0.16%
14.83%
3,176,655
1,831,845
57.67%
160,352
0.01%
14.84%
179,622
208,939
116.32%
American States Ins Co Of TX
25,763
0.00%
14.84%
26,289
-3
-0.01%
American States Preferred Ins Co
21,178
0.00%
14.84%
24,099
23,917
99.24%
2,154,293
0.09%
14.94%
2,054,143
1,102,060
53.65%
0
0%
14.94%
0
-1,348
0%
11,236,081
0.49%
15.43%
11,176,972
4,345,718
38.88%
0
0%
15.43%
0
-700
0%
AssuranceAmerica Ins Co
3,835,999
0.17%
15.60%
4,143,440
2,037,522
49.17%
Auto Club S Ins Co
1,479,536
0.07%
15.66%
1,690,242
679,607
40.21%
Auto Owners Ins Co
15,852,577
0.70%
16.36%
15,982,056
8,027,578
50.23%
804,978
0.04%
16.40%
918,937
338,761
36.86%
0
0%
16.40%
0
-324
0%
3,579,677
0.16%
16.55%
3,730,106
2,143,330
57.46%
99,810
0.00%
16.56%
109,529
28,785
26.28%
California Cas Ind Exch
1,931,301
0.08%
16.64%
1,947,591
882,074
45.29%
Central Mut Ins Co
6,321,909
0.28%
16.92%
6,350,063
3,306,655
52.07%
Charter Ind Co
1,861,516
0.08%
17.00%
1,932,792
1,287,963
66.64%
American States Ins Co
Ameriprise Ins Co Amex Assur Co Amica Mut Ins Co Arrowood Ind Co
Automobile Ins Co Of Hartford CT Balboa Ins Co Bankers Standard Ins Co Bristol W Ins Co
Charter Oak Fire Ins Co
475,763
0.02%
17.02%
511,734
168,530
32.93%
1,266,751
0.06%
17.08%
1,229,058
450,488
36.65%
0
0%
17.08%
0
-4,503
0%
Chubb Natl Ins Co
1,403,675
0.06%
17.14%
1,248,906
510,426
40.87%
Cincinnati Cas Co
0
0%
17.14%
0
172
0%
14,426,928
0.63%
17.78%
14,014,507
7,191,300
51.31%
Citizens Ins Co Of Amer
568,639
0.03%
17.80%
633,812
278,376
43.92%
Civic Prop & Cas Co
115,679
0.01%
17.81%
123,633
50,291
40.68%
2,457,525
0.11%
17.91%
2,453,066
1,538,456
62.72%
88,548
0.00%
17.92%
89,235
41,479
46.48%
172,223
0.01%
17.93%
137,370
149,289
108.68%
0
0%
17.93%
0
-2,214
0%
1,812,451
0.08%
18.01%
2,113,230
993,031
46.99%
Country Cas Ins Co
695,984
0.03%
18.04%
700,517
312,854
44.66%
Country Mut Ins Co
30,729,423
1.35%
19.39%
30,644,966
18,860,056
61.54%
Country Pref Ins Co
6,689,176
0.29%
19.68%
6,299,205
3,920,356
62.24%
Dairyland Ins Co
1,469,985
0.06%
19.75%
1,434,823
954,264
66.51%
910,364
0.04%
19.79%
1,102,535
85,093
7.72%
Depositors Ins Co
5,207,404
0.23%
20.02%
5,592,245
3,397,843
60.76%
Direct Gen Ins Co
4,717,420
0.21%
20.22%
5,201,269
3,002,284
57.72%
160,217
0.01%
20.23%
167,286
99,351
59.39%
Economy Premier Assur Co
1,752,535
0.08%
20.31%
1,929,412
513,560
26.62%
Electric Ins Co
1,179,537
0.05%
20.36%
1,202,182
356,301
29.64%
Encompass Ind Co
7,765,428
0.34%
20.70%
8,556,047
3,157,606
36.91%
Encompass Ins Co Of Amer
4,057,623
0.18%
20.88%
4,416,621
971,291
21.99%
Chartis Prop Cas Co Chicago Ins Co
Cincinnati Ins Co
Coast Natl Ins Co Commercial Alliance Ins Co Companion Prop & Cas Ins Co Continental Ins Co Cornerstone Natl Ins Co
Delta Fire & Cas Ins Co
Drivers Ins Co
FYI EXPRESS
Page 20
June, 2013
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Encompass Prop & Cas Co
1,209,906
0.05%
20.93%
1,395,857
521,490
37.36%
Equity Ins Co
2,201,486
0.10%
21.03%
2,008,940
1,075,579
53.54%
Essentia Ins Co
3,387,978
0.15%
21.18%
3,246,769
1,069,207
32.93%
Esurance Ins Co
1,360,822
0.06%
21.24%
1,471,831
1,086,740
73.84%
Esurance Prop & Cas Ins Co
6,317,601
0.28%
21.52%
5,490,887
4,487,054
81.72%
0
0%
21.52%
0
-413
0%
6,363,813
0.28%
21.80%
6,249,260
2,658,695
42.54%
218,094
0.01%
21.80%
250,905
49,057
19.55%
0
0%
21.80%
0
-282
0%
252,984
0.01%
21.82%
271,483
80,390
29.61%
Federated Natl Ins Co
36,014
0.00%
21.82%
55,444
67,466
121.68%
Firemans Fund Ins Co
1,097,254
0.05%
21.87%
1,168,608
719,574
61.58%
41,400
0.00%
21.87%
45,784
22,736
49.66%
13,175,571
0.58%
22.45%
13,230,941
6,719,583
50.79%
852
0%
22.45%
800
61
7.63%
521,614
0.02%
22.47%
588,108
149,798
25.47%
4,338,952
0.19%
22.66%
3,918,444
3,052,149
77.89%
-3,390
0.00%
22.66%
21,686
10,495
48.40%
21,671,037
0.95%
23.61%
20,776,530
13,277,750
63.91%
792,668
0.03%
23.65%
888,224
308,014
34.68%
107,163,525
4.71%
28.36%
106,240,279
69,221,267
65.16%
53,733,327
2.36%
30.72%
52,588,135
30,188,304
57.41%
180,305
0.01%
30.73%
199,208
81,591
40.96%
0
0%
30.73%
0
-1,107
0%
Georgia Farm Bureau Cas Ins Co
1,270,003
0.06%
30.79%
1,475,524
500,867
33.95%
Georgia Farm Bureau Mut Ins Co
68,595,915
3.02%
33.81%
70,364,189
29,441,964
41.84%
Ethio Amer Ins Co Everest Security Ins Co Farmers Ins Exch Farmington Cas Co Federal Ins Co
First Acceptance Ins Co Inc First Acceptance Ins Co of GA Inc First Liberty Ins Corp First Natl Ins Co Of Amer Foremost Ins Co Grand Rapids MI Foremost Signature Ins Co Garrison Prop & Cas Ins Co Geico Cas Co Geico Gen Ins Co Geico Ind Co General Ins Co Of Amer Generali Us Branch
Georgia Mut Ins Co
3,162,087
0.14%
33.94%
3,147,389
2,255,153
71.65%
50,439,669
2.22%
36.16%
50,774,787
29,647,677
58.39%
302,027
0.01%
36.18%
232,847
90,491
38.86%
Grange Mut Cas Co
2,629,632
0.12%
36.29%
2,763,366
946,131
34.24%
Grange Prop & Cas Ins Co
7,465,574
0.33%
36.62%
7,197,043
3,448,714
47.92%
474
0%
36.62%
336
-31,133
-9265.77%
0
0%
36.62%
0
1
0%
Great Northern Ins Co
2,443,759
0.11%
36.73%
2,561,177
761,735
29.74%
Greenstar Ins Co
1,016,885
0.04%
36.77%
625,211
497,402
79.56%
Guideone Amer Ins Co
1,237,696
0.05%
36.83%
1,281,936
606,828
47.34%
Guideone Elite Ins Co
1,466,044
0.06%
36.89%
1,521,874
826,846
54.33%
Guideone Mut Ins Co
468,785
0.02%
36.91%
498,313
153,002
30.70%
1,207,651
0.05%
36.96%
1,094,338
676,473
61.82%
471,559
0.02%
36.99%
543,705
241,142
44.35%
20,892
0.00%
36.99%
27,356
12,790
46.75%
Hanover Ins Co
105,303
0.00%
36.99%
119,858
71,502
59.66%
Harleysville Preferred Ins Co
158,603
0.01%
37.00%
116,431
46,740
40.14%
Government Employees Ins Co Grange Ind Ins Co
Great Amer Assur Co Great Amer Ins Co
Guideone Specialty Mut Ins Co Hallmark Ins Co Hallmark Natl Ins Co
FYI EXPRESS
Page 22
June, 2013
Contacts Personal Lines Robyn Cline Ext116 RCline@sgainga.com Sandra Fowler Ext137 SFowler@sgainga.com Elizabeth Moore Ext1024 EMoore@sgainga.com
Department Email Personallines@sgainga.com sga@sgainga.com
Dwelling DP-3, DP-1, Vacant
Manufactured Homes
Owner - Rental - Seasonal Vacant
Primary - Rental - Rental Schedules -
DP-3 Values $75,000 to $200,000 (age 60 years or newer)
Seasonal - Commercial
DP-1 Values $40,000 to $150,000 (age 60 years or newer) Vacant - for sale or with minimum renovations - $50,000 to $200,000 Actual Cash Value Policy Liability Limits $25,000 to $300,000
Home Age - 25 Years or Newer Replacement Cost on 10 Years or Newer Replacement Cost Personal Effects Liability Limits - $25,000 to $300,000 Deductible - $500 included
Deductible - $500 Included (credit for up to $2500 deductible)
Quoting Tools
Quoting Tools
Rating Software www.sgainga.com
Quick Quote - www.sgainga.com Phone - 678-259-3700 * 800-8255742 ** ePortal coming soon **
Quick Quote - www.sgainga.com Phone - 678-259-3700 * 800-8255742 ** ePortal coming soon **
"THINK STRICKLAND FIRST"
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Hartford Accident & Ind Co Hartford Cas Ins Co Hartford Fire In Co
1,109,366
0.05%
37.05%
996,457
543,864
54.58%
233,035
0.01%
37.06%
247,512
55,782
22.54%
165,221
0.01%
37.06%
181,215
31,150
17.19%
Hartford Ins Co Of The Midwest
3,823,612
0.17%
37.23%
4,038,333
1,642,349
40.67%
Hartford Ins Co Of The Southeast
4,933,356
0.22%
37.45%
4,423,883
3,044,552
68.82%
Hartford Underwriters Ins Co
1,287,539
0.06%
37.51%
1,432,685
451,951
31.55%
705,146
0.03%
37.54%
628,659
365,428
58.13%
Horace Mann Ins Co
1,662,651
0.07%
37.61%
1,806,957
553,162
30.61%
Horace Mann Prop & Cas Ins Co
2,239,479
0.10%
37.71%
1,962,531
1,187,583
60.51%
IDS Prop Cas Ins Co
3,197,906
0.14%
37.85%
3,256,731
1,019,554
31.31%
Infinity Auto Ins Co
13,249,323
0.58%
38.43%
13,574,719
7,757,460
57.15%
Infinity Cas Ins Co
0
0%
38.43%
0
5,532
0%
952,726
0.04%
38.47%
1,621,567
877,637
54.12%
0
0%
38.47%
0
-311
0%
1,478,027
0.07%
38.54%
1,387,193
1,030,369
74.28%
0
0%
38.54%
0
2,595
0%
3,261,298
0.14%
38.68%
2,128,132
1,352,784
63.57%
0
0%
38.68%
0
11,641
0%
Haulers Ins Co Inc
Infinity Ins Co Infinity Reserve Ins Co Infinity Safeguard Ins Co Infinity Security Ins Co Infinity Select Ins Co Infinity Standard Ins Co Insurance Co Of The State Of PA
0
0%
38.68%
0
-2,206
0%
27,645,247
1.22%
39.90%
26,908,389
1,251,818
4.65%
356,437
0.02%
39.91%
363,070
235,588
64.89%
Integon Gen Ins Corp
27,463
0.00%
39.91%
31,238
14,073
45.05%
Integon Ind Corp
72,607
0.00%
39.92%
84,012
13,822
16.45%
2,847,708
0.13%
40.04%
3,365,447
2,236,755
66.46%
273,645
0.01%
40.06%
274,975
35,464
12.90%
2,392,746
0.11%
40.16%
2,280,333
1,724,116
75.61%
22,887,594
1.01%
41.17%
14,483,892
8,155,159
56.31%
1,498,096
0.07%
41.23%
1,023,661
560,148
54.72%
0
0%
41.23%
0
-667
0%
2,011,957
0.09%
41.32%
2,398,460
1,072,902
44.73%
68,942,145
3.03%
44.35%
75,318,810
32,160,952
42.70%
0
0%
44.35%
0
439
0%
-9,629
0.00%
44.35%
-9,629
0
0%
738,892
0.03%
44.39%
625,811
257,625
41.17%
Insurance Co of the South Insuremax Ins Co
Integon Natl Ins Co Ironshore Ind Inc Knightbrook Ins Co LM Gen Ins Co LM Ins Corp LM Prop & Cas Ins Co Liberty Ins Corp Liberty Mut Fire Ins Co Liberty Mut Ins Co Lincoln Gen Ins Co Loya Ins Co MGA Ins Co Inc
1,548,833
0.07%
44.45%
1,505,767
741,130
49.22%
MIC Gen Ins Corp
816,953
0.04%
44.49%
893,233
407,239
45.59%
Main St Amer Assur Co
395,525
0.02%
44.51%
462,828
273,447
59.08%
Markel Amer Ins Co
130,521
0.01%
44.51%
137,236
62,867
45.81%
Massachusetts Bay Ins Co
440,940
0.02%
44.53%
492,986
191,916
38.93%
Mendakota Ins Co
174,436
0.01%
44.54%
187,637
82,868
44.16%
Mendota Ins Co
22,573
0.00%
44.54%
24,689
4,198
17.00%
Merastar Ins Co
1,916,915
0.08%
44.63%
1,972,808
535,763
27.16%
11,629,960
0.51%
45.14%
11,265,851
6,675,353
59.25%
Mercury Ind Co Of GA
FYI EXPRESS
Page 24
June, 2013
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Mercury Ins Co Of GA Meridian Security Ins Co Meritplan Ins Co
189,497
0.01%
45.14%
203,143
11,018
5.42%
3,347,589
0.15%
45.29%
2,629,065
1,530,561
58.22%
0
0%
45.29%
0
-9,928
0%
6,832,937
0.30%
45.59%
6,830,010
2,498,384
36.58%
Metropolitan Drt Prop & Cas Ins Co
208,223
0.01%
45.60%
216,496
53,516
24.72%
Metropolitan Gen Ins Co
224,123
0.01%
45.61%
231,135
30,770
13.31%
15,354,026
0.68%
46.29%
14,556,938
5,526,837
37.97%
2,795,374
0.12%
46.41%
2,930,255
801,474
27.35%
Mid Century Ins Co
180,844
0.01%
46.42%
68,580
42,520
62.00%
Middle Ga Mut Ins Co
229,033
0.01%
46.43%
101,597
30,108
29.63%
21,644
0.00%
46.43%
30,326
-119
-0.39%
-722
0%
46.43%
2,259
-2,716
-120.23%
National Gen Assur Co
4,150,802
0.18%
46.61%
3,705,201
2,969,270
80.14%
National Gen Ins Co
1,251,370
0.06%
46.67%
1,316,108
779,487
59.23%
455,564
0.02%
46.69%
495,829
490,357
98.90%
National Security Fire & Cas Co
0
0%
46.69%
0
-12,090
0%
National Union Fire Ins Co Of Pitts
0
0%
46.69%
0
100,376
0%
27,471
0.00%
46.69%
863
0
0%
Metropolitan Cas Ins Co
Metropolitan Grp Prop & Cas Ins Co Metropolitan Prop & Cas Ins Co
Middlesex Ins Co NGM Ins Co
National Interstate Ins Co
National Unity Ins Co Nationwide Affinity Co of Amer
26,032,202
1.14%
47.83%
22,732,626
18,481,413
81.30%
Nationwide Assur Co
114,619
0.01%
47.84%
127,194
47,613
37.43%
Nationwide Gen Ins Co
113,340
0.01%
47.84%
191,172
39,947
20.90%
Nationwide Ins Co Of Amer
60,237
0.00%
47.85%
65,776
19,440
29.55%
Nationwide Mut Fire Ins Co
18,802,786
0.83%
48.67%
20,194,442
6,563,181
32.50%
2,428
0.00%
48.67%
35,327
31,058
87.92%
19,267,178
0.85%
49.52%
20,705,042
11,219,976
54.19%
0
0%
49.52%
0
-535
0%
New South Ins Co
84,117
0.00%
49.52%
100,654
58,653
58.27%
Northbrook Ind Co
9,196,497
0.40%
49.93%
9,600,185
4,531,947
47.21%
0
0%
49.93%
-317
0
0%
106,258
0.00%
49.93%
123,904
31,581
25.49%
Omni Ind Co
2,151,850
0.09%
50.03%
2,011,591
1,240,578
61.67%
Omni Ins Co
101,532
0.00%
50.03%
129,477
64,195
49.58%
0
0%
50.03%
0
-72
0%
29,520,948
1.30%
51.33%
28,809,036
14,728,537
51.12%
336,134
0.01%
51.34%
355,507
95,493
26.86%
74,243
0.00%
51.35%
81,953
74,807
91.28%
Patriot Gen Ins Co
695,213
0.03%
51.38%
748,852
328,608
43.88%
Peak Prop & Cas Ins Corp
778,079
0.03%
51.41%
825,166
329,531
39.94%
3,537,158
0.16%
51.57%
4,199,485
1,815,544
43.23%
Penn Millers Ins Co
0
0%
51.57%
184,342
-9,356
-5.08%
Pennsylvania Ins Co
0
0%
51.57%
0
-1,374
0%
Permanent Gen Assur Corp
2,037,016
0.09%
51.66%
1,887,076
1,047,763
55.52%
Permanent Gen Assur Corp Of OH
3,269,052
0.14%
51.80%
3,377,797
1,918,753
56.80%
Nationwide Mut Ins Co Nationwide Prop & Cas Ins Co New Hampshire Ins Co
Northern Ins Co Of NY Old Dominion Ins Co
OneBeacon Ins Co Owners Ins Co Pacific Ind Co Pacific Specialty Ins Co
Peerless Ins Co
FYI EXPRESS
Page 26
June, 2013
www.underwritersinsider.com
9
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
Pharmacists Mut Ins Co
15,372
0.00%
51.80%
15,807
10,922
69.10%
Philadelphia Ind Ins Co
1,194,317
0.05%
51.85%
1,220,724
642,222
52.61%
Phoenix Ins Co
2,663,577
0.12%
51.97%
2,908,487
863,333
29.68%
385,368
0.02%
51.99%
241,981
179,908
74.35%
Progressive Advanced Ins Co
5,035,434
0.22%
52.21%
4,397,064
2,349,314
53.43%
Progressive Amer Ins Co
7,005,833
0.31%
52.52%
7,535,059
3,580,880
47.52%
Progressive Bayside Ins Co
7,242,143
0.32%
52.84%
7,834,034
4,097,423
52.30%
0
0%
52.84%
0
-820
0%
Progressive Classic Ins Co
6,341,400
0.28%
53.12%
6,753,600
3,044,269
45.08%
Progressive Direct Ins Co
5,295,147
0.23%
53.35%
5,700,700
2,514,801
44.11%
Progressive Gulf Ins Co
339,052
0.01%
53.36%
784,775
328,049
41.80%
Progressive Max Ins Co
496,383
0.02%
53.39%
1,084,088
456,422
42.10%
Progressive Mountain Ins Co
137,303,845
6.04%
59.42%
136,186,987
81,173,717
59.60%
Progressive Northern Ins Co
5,176
0.00%
59.42%
16,385
639
3.90%
Progressive Northwestern Ins Co
0
0%
59.42%
0
-3,991
0%
Progressive Preferred Ins Co
0
0%
59.42%
0
-4,245
0%
Progressive Premier Ins Co Of IL
76,924,008
3.38%
62.81%
76,202,846
50,168,371
65.84%
Progressive Southeastern Ins Co
3,767,966
0.17%
62.97%
4,241,489
1,960,218
46.22%
Privilege Underwriters Recp Exch
Progressive Cas Ins Co
Property & Cas Ins Co Of Hartford
855,820
0.04%
63.01%
956,530
395,182
41.31%
Providence Washington Ins Co
0
0%
63.01%
0
-2,848
0%
QBE Ins Corp
0
0%
63.01%
0
51
0%
Response Ins Co
182,137
0.01%
63.02%
230,934
198,819
86.09%
Response Worldwide Ins Co
343,855
0.02%
63.03%
390,985
116,490
29.79%
Safe Auto Ins Co
5,252,487
0.23%
63.26%
5,331,701
2,310,905
43.34%
Safeco Ins Co Of Amer
3,141,338
0.14%
63.40%
3,355,164
1,942,695
57.90%
Safeco Ins Co Of IL
7,240,313
0.32%
63.72%
5,653,771
2,632,974
46.57%
Safeco Ins Co Of IN
5,471,285
0.24%
63.96%
4,095,857
1,891,313
46.18%
Safeco Natl Ins Co
2,858,391
0.13%
64.09%
3,030,190
1,329,793
43.88%
16,325,764
0.72%
64.81%
15,707,234
8,864,180
56.43%
2,744
0.00%
64.81%
3,582
1,116
31.16%
759,191
0.03%
64.84%
913,094
425,652
46.62%
Security Natl Ins Co
0
0%
64.84%
0
157
0%
Select Ins Co
0
0%
64.84%
0
15
0%
Sentry Ins A Mut Co
232,402
0.01%
64.85%
344,102
28,070
8.16%
Southern Cas ns Co
217,236
0.01%
64.86%
267,000
137,896
51.65%
24,239
0.00%
64.86%
30,991
17,171
55.41%
Southern Gen Ins Co
6,215,293
0.27%
65.13%
6,171,923
3,302,789
53.51%
Southern Ins Co Of VA
4,676,280
0.21%
65.34%
4,906,695
3,116,234
63.51%
Southern Mut Ins Co
2,442,600
0.11%
65.45%
2,259,896
966,943
42.79%
Southern Pilot Ins Co
2,629,235
0.12%
65.56%
3,198,315
1,477,160
46.19%
Southern Trust Ins Co
2,950,580
0.13%
65.69%
2,996,377
1,569,216
52.37%
Standard Fire Ins Co
4,139,667
0.18%
65.87%
4,726,218
1,604,529
33.95%
217,079
0.01%
65.88%
215,150
145,827
67.78%
Safeway Ins Co Of GA Sagamore Ins Co Santa Fe Auto Ins Co
Southern Fire & Cas Co
Star Cas Ins Co
FYI EXPRESS
Page 28
June, 2013
U.S. Insurance Services 800-874-1738
American Reliable Insurance Company’s
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More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
State Auto Prop & Cas Ins Co State Automobile Mut Ins Co State Farm Fire & Cas Co
3,000,707
0.13%
66.02%
3,282,616
1,805,862
55.01%
576,224
0.03%
66.04%
617,273
291,977
47.30%
40,380,961
1.78%
67.82%
39,282,543
26,618,505
67.76%
461,253,506
20.29%
88.10%
460,817,815
257,164,173
55.81%
Stonewood Gen Ins Co
0
0%
88.10%
0
-2,300
0%
Stonewood Natl Ins Co
0
0%
88.10%
0
-1,978
0%
2,268,485
0.10%
88.20%
2,361,199
996,422
42.20%
315,302
0.01%
88.22%
302,713
171,162
56.54%
0
0%
88.22%
0
-667
0%
1,845,270
0.08%
88.30%
2,061,825
691,821
33.55%
State Farm Mut Auto Ins Co
Teachers Ins Co Titan Ind Co Tokio Marine & Nichido Fire Ins Co Travco Ins Co Travelers Commercial Ins Co
7,403,670
0.33%
88.62%
7,223,371
3,412,064
47.24%
36,000,835
1.58%
90.21%
35,961,331
19,023,589
52.90%
910,225
0.04%
90.25%
995,314
260,274
26.15%
2,489,335
0.11%
90.35%
2,753,092
959,420
34.85%
Travelers Ind Co Of CT
0
0%
90.35%
0
-1
0%
Trinity Universal Ins Co
0
0%
90.35%
0
16
0%
93,474
0.00%
90.36%
99,580
20,621
20.71%
325,060
0.01%
90.37%
352,926
166,317
47.13%
Travelers Home & Marine Ins Co Travelers Ind Co Travelers Ind Co Of Amer
Triumphe Cas Co Truck Ins Exch Trumbull Ins Co
0
0%
90.37%
0
-3,710
0%
1,397,527
0.06%
90.43%
1,503,990
695,819
46.26%
163,945
0.01%
90.44%
145,487
168,405
115.75%
USAA Cas Ins Co
66,026,028
2.90%
93.35%
65,416,587
31,344,770
47.92%
USAA Gen Ind Co
31,083,133
1.37%
94.71%
30,524,072
18,830,456
61.69%
4,160,269
0.18%
94.90%
3,988,245
1,847,293
46.32%
89,366,124
3.93%
98.83%
89,195,864
45,982,647
51.55%
15,064
0.00%
98.83%
7,770
7,955
102.38%
2,373,954
0.10%
98.93%
2,393,845
1,494,749
62.44%
913,004
0.04%
98.97%
940,236
518,634
55.16%
84,113
0.00%
98.97%
106,367
48,965
46.03%
1,566,746
0.07%
99.04%
1,640,590
799,518
48.73%
Victoria Specialty Ins Co
843,482
0.04%
99.08%
776,193
555,123
71.52%
Vigilant Ins Co
190,856
0.01%
99.09%
203,858
72,021
35.33%
19,983,963
0.88%
99.97%
19,076,248
1,548,335
8.12%
230,523
0.01%
99.98%
279,548
164,828
58.96%
64,134
0.00%
99.98%
71,636
63,981
89.31%
0
0%
99.98%
0
341
0%
-751
0%
99.98%
-387
0
0%
Workmens Auto Ins Co
270,391
0.01%
99.99%
94,754
108,929
114.96%
Yosemite Ins Co
167,720
0.01%
100%
162,535
7,551
4.65%
0
0%
100%
0
1,133
0%
2,273,835,554
100%
100%
2,265,188,781
1,172,638,697
51.77%
Trustgard Ins Co Twin City Fire Ins Co Co
United Automobile Ins Co United Serv Automobile Assn United States Liab Ins Co Unitrin Auto & Home Ins Co Unitrin Direct Prop & Cas Co Victoria Fire & Cas Co Victoria Select Ins Co
Voyager Ind Ins Co Waco Fire & Cas Ins Co Warner Ins Co West Amer Ins Co Western Gen Ins Co
Zurich Amer Ins Co 295 Companies in Report
FYI EXPRESS
Page 30
June, 2013
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Wayne,
Hi, Broker.
Enjoyed visiting with you by phone earlier this week. As I remember you asked about contracts with Companies. This is one that may interest you. ____ is a company that only sells property insurance in a few states but the market being what it is and no mention ever made regarding production we joined them two years ago. Earlier this year they threatened us with termination for lack of production. I protested that we had never been told they expected five applications per month and the relented and we agreed to step up production. A few weeks ago in an effort to produce more business for them we appointed a member of another agency in another town. We did not appoint the agency but one of the agents. They began submitting business and I felt we were doing a good job until I receive a message that the company had received a call from the agent and the company’s caller ID referenced another agency. I readily admitted, yes, we appointed this agent but not his agency. When I was told we could not do this, I asked how to resolve the problem. I knew we needed to terminate the agent but what about his business? I was informed I was being terminated for this action. I objected to no good.
This is common contract wording in the P&C business; almost all of them do not allow you to use a broker agent. This contract refers to employees, and specifically prohibits you from brokering business. (I know that in the life industry it is common, but the P&C business worries about fraud and accuracy on applications.) I would not sue them if you signed this contract as it will just cost you more money. I agree appointing the agent down the street is rotten, but they are thinking with an "agent of record" letter they can terminate you yet maintain the business on the books. You are also prohibited from showing this contract or the underwriting guide to outside parties even after termination. I will not use any names when comparing features in contract wording by carriers. This is a contract written by the company for the company. It is an example that I was looking for. In my previous life as the Marketing Rep., my agents usually signed my contracts without reading them. Did you read this before signing? Things which are obvious but widely ignored: Who owns the business? Is this a contract between the agent (agency) and the company or a contract between a broker and an agent or MGA? This also speaks to the ownership of the business.
When I review the contract Item C Page 2 of paragraph C states: Without prior consent. You have no authority to, and agree that You will not:
If the relationship fails what are the rules for the run off and the commissions? Are they enforceable?
a. Grant binding authority to, or accept business subject to this Agreement from, anyone other than Your duly licensed and appointed employees.
Is the agent or the agency personally financially responsible for the handling of the company's premium due? Some of these contracts cut through corporate protection to make the owner financially responsible.
Actually, we have no employees in our agency as we are small. We submitted contracting for this agent and the company approved the appointment. I never thought that we were doing anything wrong. If I had been accepting business from this agent and submitting from our agency, it appears we would have been legal by the company’s standards. Now that we are being terminated without any chance to correct our mistake. The Georgia representative is going to the producer we had appointed and she is appointing his agency to represent the company. If the appointment of this agent is processed by the company, I am considering seeking a legal opinion as to the legality of the way this matter was handled.
Always remember the contract was written by the company's lawyer for the company's benefit! Wayne Hooper - Editor for the FYI EXPRESS wayne@fyiexpress.com Cell # 678-296-6345
The Fine Print FYI Express is looking for examples of contracts and termination letters for next month’s cover story … “The Fine Print”.
Feel free to share this information with your reader so maybe another agent will not be caught as I was.
Please fax them to Eddie at (770) 783-8226.
Regards,
I have yet to betray a confidence.
Broker in more ways than one
eke
FYI EXPRESS
Page 32
June, 2013
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Applicant Screening & Access to Social Media Pages Q&A By Robin Thomas, Managing Editor Social media sites contain all sorts of interesting information about your applicants that might be relevant to the hiring process. But, should you require potential employees to provide access to their private social media accounts? Q: We would like to look at applicants’ Facebook and other social media pages as part of our hiring process. Can we do this? Should we? A: You certainly are not alone in wanting to check up on your applicants’ use of social media. A 2012 survey from CareerBuilder found that 37% of responding employers use social networking sites to research job candidates. According to the survey, most employers check social media to see if candidates present themselves professionally (65%), while 51% check to see if the applicant will be a good fit for their corporate culture. Forty-five percent indicated they were looking for more information about the candidate’s qualifications, and 35% want to see if their applicants are well-rounded. Only 12% admitted they were looking for “reasons not to hire” the candidate. (Download free Use of Communication Systems and Social Media model policy including HR best practices and legal background.) However, checking an applicant’s social media may be a little risky, especially if you go beyond public searches and request an applicant’s password to access their private pages, for example on Facebook. Although no federal law addresses asking applicants for their social media passwords, at least five states (California, Illinois, Maryland, Michigan, and Utah) specifically prohibit employers from requiring applicants and employees to provide their social network passwords or to display private portions of their social networking pages to employers. The laws generally do allow employers to check information that is available in the public domain of the Internet and social media sites. Several other states also are considering similar legislation, and both the House of Representatives and the Senate have introduced federal privacy protections for applicants’ and employees’ social media sites.
In spite of these potential risks, many employers still find the Internet a valuable resource for researching applicants. The CareerBuilder survey indicates that employers discovered both positive and negative information about candidates on the Internet that affected their hiring decisions. Thirty-four percent of the hiring managers surveyed indicated that negative information they found on social media about a candidate resulted in a decision not to hire. The most damaging applicant postings indicated provocative or inappropriate behavior, poor communication skills, and bad-mouthing their employers. However, 29% discovered positive information on the social media sites that led to a job offer, including that the sites supported the applicant’s professional credentials and qualifications. (You can find the CareerBuilder social media use to vet candidates survey online at http://thehiringsite.careerbuilder.com/2012/04/20/whatare-employers-seeking-and-finding-out-aboutcandidates-through-social-media) So, if you are going to check out your candidates online, you should follow these five simple rules: 1. Notify your applicants that you will be investigating them on publically accessible Internet and social media sites and get their permission to do so. 2. Look only at information posted publically. Do not ask for personal passwords or try to “friend” a candidate surreptitiously.
In addition, most applicants will view a request for access to their protected social media pages as an intrusion into their private lives and some may even withdraw their application because of the request. And, Facebook now makes the solicitation of another person’s Facebook password a violation of the terms and conditions of use of the social networking site. So, clearly it is prudent to limit any search of social media sites to information in the public domain.
FYI EXPRESS
Even if you are searching only for information that is publically available on the Internet, you also should be aware of other potential problems that can arise from material you find online. For example, you may find out about an applicant’s membership in protected classes that could lead to a discrimination claim if you do not hire the individual. While protected classes such as race and sex may be evident in a face-to-face interview, other protected classes such as disability, national origin, and sexual orientation (protected under many state discrimination laws) may not be. Further, if you do not hire someone because of their participation in a legal offduty activity, their political views, or the fact that they smoke, you could be violating state laws prohibiting basing employment decisions on these actions.
3. If you use an outside party to conduct the research, make sure you are following the Fair Credit Reporting Act’s (FCRA) comprehensive notice, consent, and disclosure obligations both prior to doing the checks and after the results of the checks are reported. (As a reminder, the FCRA applies whenever you use outside agencies to perform credit or other background checks (including criminal, reference, or driving record checks) on your candidates and employees.)
Page 34
Continued on page 36 June, 2013
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Applicant Screening & Access to Social Media Pages Q&A Continued from page 34 4. If you discover information about an applicant’s protected class or legally protected activities, make sure you do not use that information as part of your decisionmaking process. For example, do not provide this type of information to hiring managers. Any information from social media that you consider should be job-related and business-related only. 5. Document your search and include the information in the applicant’s file. You want to be able to show that any inappropriate information was not considered in the hiring process. Content for your HR Matters E-Tips newsletter is developed from our flagship publication, the HR Matters Tools and Resource Center, featuring the Personnel Policy Manual System (PPMS). See how it works. Subscribers to the PPMS and HR Policy Answers on CD can find more information about social media password protection laws in Use of Communication Systems and Social Media, Chapter 805, note 19. If you don't have access to the PPMS, but would like to have a free, no-obligation 14-day review, go to: www.ppspublishers.com/ppm-ez.htm
YOU CAN TRUST PPS Information provided in HR Matters E-Tips is researched and reviewed by the HR experts at Personnel Policy Service as well as employment law attorneys. However, it is not intended as legal advice. Readers are encouraged to seek appropriate legal or other professional advice. Interested in using an article from HR Matters E-Tips on your Web site or in a newsletter? Please contact Robin Thomas, Managing Editor of Personnel Policy Service, Inc., to request permission. You can contact her by email at editor@ppspublishers.com. Please note that the information in every issue of HR Matters E-Tips is the original, copyrighted work of Personnel Policy Service, Inc., and is protected under U.S. copyright laws. As such, you may not reprint or publish in any format any article or portion of article from HR Matters ETips without the express permission of Personnel Policy Service, Inc. Remember, too, we encourage you to pass along any issue of the E-Tips by forwarding it to friends and colleagues.
Or just give us a call at 1-800-437-3735. FYI EXPRESS
Page 36
June, 2013
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Addressing behavior and performance issues
addressing a behavioral issue or one that is about job performance.
"Any time you sincerely want to make a change, the first thing you must do is to raise your standards." Anthony Robbins
A sales or service performance issue does require some time to improve. Chances are the employee needs some additional time and training to be able to get his/her performance to the level that's required. In that case it might make sense to give the employee 30-60 days to turn it around.
I believe that almost all employees want to do a good job. And for the most part, they do. Even so, we do from time to time end up with someone who isn't meeting our expectations. Here are several ways I see managers and owners address that issue.
A behavior issue is different. The employee should be expected to change his/her behaviors immediately. If he doesn't, he should be on the fast track to a new job somewhere else.
* Never say anything to the employee, but silently become more and more frustrated. Nothing like a resentment to turn around an employee's performance! The employee thinks he's doing fine, but his manager is getting an ulcer. People aren't mind readers. Managers have to say something if they're going to improve someone's performance.
Too often managers aren't willing to draw that line in the sand. Or they do, but then keep redrawing it further out. I once met a retailer who cut an employee's hours because she was so miserable to customers and colleagues. Great. Now she only hurt the store ten hours a week instead of twenty!
* Complain to others about the employee, but never say anything to the person him/herself. Hey, at least they're talking about it! Too bad it's to the wrong people. I'm sure the manager's spouse, friends, or even his/her dog or cat would appreciate it if the manger stopped talking to them and started actually doing something about the employee.
Another storeowner I know gave an employee thirty days to quit being rude. She should have been given thirty seconds, if that. Expect people with behavioral issues to change immediately, and if they don't they should be gone. You might need to document and follow a process, but that doesn't require a certain amount of time. It requires action on your part.
* Say something to the employee, but sugarcoat it so much the employee thinks they're doing okay. This happened to me once. When I was in college I was working full-time, going to school full-time, and partying full-time. I was a very busy guy. When my store manager was transferred I was sure I was going to be promoted. When I went in for what I thought was an interview I got fired. Let me tell you, that was a shock! The manager tried to say that he told me my job was in jeopardy, but if he did he so sugarcoated it I never heard what I needed to hear.
So let me ask, in which one of these do you see yourself? The good news is that any manager can learn to be direct and tactful. It just requires taking action, and maybe putting yourself in an uncomfortable situation.
The only way to truly address an employee issue is this. * Meet one-on-one with the employee, and be direct and tactful about his/her behavior or performance. People deserve to hear when they're failing to meet their manager's expectations. They also have the right to know the consequences for failing to change or improve. Sure, you might be uncomfortable having this conversation, but the alternatives simply don't work. Most people who struggle to have these kinds of sitdowns hate confrontation. Well, it's not confrontation. It's not about the person at all. It's about his/her behaviors, actions, or performance that are falling short of what's required in the job. By meeting and working with the person you're (hopefully) going to be able to help her improve so she's able to continue in the role.
Doug By the way, if you struggle to be direct and tactful with your staff you might consider joining the Extraordinary Coach program the next time I offer it. I've helped hundreds of owners and managers not only become comfortable in addressing employee issues, but by becoming better coaches they can often avoid needing to have these meetings altogether. - Doug About Doug Fleener: Doug Fleener, the former director of retail for Bose Corporation, has over 25 years of hands-on experience with world-class companies including Bose Corporation and The Sharper Image. He has also owned and operated his own specialty stores. Doug is now president and managing partner for Dynamic Experiences Group LLC, a proven business and customer experience consulting firm based in Lexington, MA. Learn more at www.DynamicExperiencesGroup.com, or call 866535-6331.
But remember, there is a difference between FYI EXPRESS
Page 37
June, 2013
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
Good afternoon, Eddie As you may already be aware, a former Velox Insurance employee, Pablo Navas, was arrested yesterday. This individual acted outside the scope of his authority and he was terminated as soon as we found out. We discovered that Navas pocketed one payment and he was fired immediately on May 11th. The following business day we found more customers affected by his acts, and we called the insurance department and the police in order to prosecute him. We have since discovered more cases, and we are diligently working with the investigators. Velox Insurance has been committing and will continue to commit its resources and efforts towards the goal of reimbursing customers who made payments which Navas did not apply to the company.
INSURANCE EXPO 2013 “Rebooting Insurance Offices!” July 11 – 13, 2013 Sonesta Gwinnett Place in Duluth, GA
This unfortunate situation is the act of an individual and it does not by any means reflect on Velox Insurance. Running Velox Insurance with integrity and protecting our customers is our top priority. We were proactive in resolving this situation as soon as we found out, and we took measures internally and externally to prevent this from happening again and to bring this individual to justice.
Rooms only $94.00 if reserved by June 27th https://gc.synxis.com/rez.aspx?Hotel=58939&Chain= 5157&arrive=7/11/2013&depart=7/14/2013&adult=1&chil d=0&group=0709INEXAC
Regards,
Leo Robayo President
Attention: Insurance Companies, MGA’s, Premium Finance Companies & Insurance Industry Vendors:
O: 770-293-0623 F: 866-763-6072
Check out the rates for the most cost effective method of keeping your message in front of your customers …
1-855-Go-Velox www.veloxinsurance.com
The Independent Insurance Agent.
Hi, Leo.
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I’ve been in the insurance business for 37 years and have met hundreds of agency owners. I don’t think I have ever met even one who hasn’t had an employee steal. More often than not, the thief goes on to work for another agency with no repercussions. You are to be commended for your quick actions. Please be my guest at Insurance Expo 2013. I want to shake your hand and personally thank you for setting the bar a little higher for all insurance agents.
Questions? Contact Eddie K. Emmett at eddie@fyiexpress.com or (770) 312-2342. HU
UH
Eddie
FYI EXPRESS
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RALPH T. HUDGENS
NEWS R E L E A S E For Immediate Release May 30, 2013
COMMISSIONER OF INSURANCE SAFETY FIRE COMMISSIONER INDUSTRIAL LOAN COMMISSIONER Seventh Floor, West Tower 2 Martin Luther King Jr. Dr. Atlanta, Georgia 30334
www.oci.ga.gov
Contact: Glenn Allen 404-463-0729 gallen@oci.ga.gov Twitter: @GA_DOI
HUDGENS: FORMER INSURANCE AGENT ARRESTED FOR FRAUD Atlanta – Insurance Commissioner Ralph Hudgens announced today that an investigation by his office has resulted in a former Cobb County insurance agent being arrested on insurance fraud charges. Juan Pablo Navas, 30, of Mableton, has been charged with six counts of insurance fraud, three counts of financial transaction card fraud and four counts of forgery for allegedly keeping premiums paid to him for insurance coverage. Navas was arrested this morning in Cobb County and transported to the Gwinnett County Jail for booking. Commissioner Hudgens said Navas was working for Velox Insurance Agency located at 5261 Buford Highway, Norcross, Ga., at the time the alleged crimes occurred. Numerous clients of the agency complained that they were getting cancellation notices from their insurers, claiming lack of payment for automobile policies and workers’ compensation coverage though the clients had paid their premiums directly to Navas and received paperwork verifying coverage. “Our investigation has turned up numerous victims of this scam and we expect for additional charges to be filed,” Commissioner Hudgens said. “Velox Insurance has made good on all the missing payments, so their clients now have the coverage they paid for.” Hudgens urges anyone who believes they have purchased insurance from Navas, to contact his Consumer Services Division at 404-656-2070. Hudgens will also have staff at Velox Insurance on June 3-4 from 10 a.m. until 7 p.m. to meet with Velox clients with questions about this investigation. Insurance fraud is a felony with a penalty of two to 10 years in prison and/or a fine of up to $10,000.
More “News, Satire & Opinions for Independent Agents from Independent Agents” at www.fyigeorgiaviews.com
Wayne Hooper Reports: The Best Barbecue (barbeque) or BBQ Restaurants in Georgia per an FYI survey By Wayne Hooper
And their flesh forthwith Barbacu'd and eat." It also appears as a verb in the published writings of John Lederer, following his travels in the American southeast [2] in 1672. The first known use of the word as a noun was in 1697 by the British buccaneer William Dampier. In his New Voyage Round the World, Dampier writes: And lay there all night, upon our Borbecu's, or frames of Sticks, raised about 3-foot (0.91 m) from the Ground. Samuel Johnson's 1756 dictionary gave the following [3] definitions: "To Barbecue – a term for dressing a whole hog" (attestation to Pope) "Barbecue – a hog dressed whole"
by Wayne Hooper The seed for this article came from a conversation with several marketing people during a break at a recent Georgia / South Carolina agent's convention. One of the reps suggested I survey the marketing Rep.'s and agents for their favorite BBQ restaurants. Obviously, whole books and TV shows work on this subject, so I asked about their favorite "pork" BBQ places. My initial list is at the end of this article. I eliminated many good neighborhood favorites simply because they were not outstanding. This is a never ending list so if you have a favorite you want to add, please send the information to Wayne@FYIEXPRESS.com to share with our readers.
While the standard modern English spelling of the word is barbecue, local variations like barbeque and [4] truncations such as bar-b-q or bbq may also be found. The spelling barbeque is given in Merriam-Webster [5] OnLine as a variant spelling, while the Oxford English Dictionary states that barbecue is "often misspelled as [6] barbeque". In the southeastern United States, the word barbecue is used predominantly as a noun referring to roast pork, while in the southwestern states cuts of beef are often [7] cooked. Styles Main article: Regional variations of barbecue
Barbecue as defined in Wikipedia Most etymologists believe that barbecue derives from the word barabicu found in the language of the Taíno people of the Caribbean and the Timucua of Florida, and entered European languages in the form barbacoa. The [1] word translates as "sacred fire pit." The word describes a grill for cooking meat, consisting of a wooden platform resting on sticks. Traditional barbacoa involves digging a hole in the ground and placing some meat (usually a whole goat) with a pot underneath it, so that the juices can make a hearty broth. It is then covered with maguey leaves and coal and set alight. The cooking process takes a few hours. It has been suggested that both the word and cooking technique migrated out of the Caribbean and into other languages and cultures, with the word (barbacoa) moving from Caribbean dialects into Spanish, then Portuguese, French, and English. The Oxford English Dictionary cites the first recorded use of the word in the English language as a verb in 1661, in Edmund Hickeringill's Jamaca Viewed: "Some are slain, FYI EXPRESS
A British Asian style halal barbecue including chicken kebabs, marinated chicken wings, sweetcorn and assortment of vegetables. In British usage, barbecuing refers to a fast cooking process directly over high heat, while grilling refers to cooking under a source of direct, high heat—known in the United States and Canada as broiling. In American English usage, however, grilling refers to a fast process over high heat, while barbecuing refers to a slow process using indirect heat and/or hot smoke (very similar to some forms of roasting). For example, in a typical U.S. home grill, food is cooked on a grate directly over hot charcoal, while in a U.S. barbecue, the coals are dispersed to the sides or at significant distance from the grate. Its South American versions are the southern Brazilian churrasco and the Argentine asado. Page 40
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Alternatively, an apparatus called a smoker with a separate fire box may be used. Hot smoke is drawn past the meat by convection for very slow cooking. This is essentially how barbecue is cooked in most U.S. "barbecue" restaurants, but nevertheless, many consider this to be a distinct cooking process called hot smoking.
Because of the effort to capture and cook these wild hogs, pig slaughtering became a time for celebration, and the neighborhood would be invited to share in the [9] largesse. In Cajun culture, these are called ] boucheries. These feasts are sometimes called 'pig pickin's.' The traditional Southern barbecue grew out of [9] these gatherings.
American South and Midwest
Each Southern locale has its own particular variety of barbecue, particularly concerning the sauce. North Carolina sauces vary by region; eastern North Carolina uses a vinegar-based sauce, the center of the state enjoys Lexington-style barbecue, which uses a combination of ketchup and vinegar as their base, and western North Carolina uses a heavier ketchup base. Lexington boasts of being "The Barbecue Capital of the World" and it has more than one BBQ restaurant per ] 1,000 residents. South Carolina is the only state that includes all four recognized barbecue sauces, including mustard-based, vinegar-based, and light and heavy [10] tomato-based. Memphis barbecue is best known for [12] tomato- and vinegar-based sauces. In some Memphis [12] establishments and in Kentucky, meat is rubbed with dry seasoning (dry rubs) and smoked over hickory wood without sauce; the finished barbecue is then served with barbecue sauce on the side.
Chicken wings being cooked slowly over charcoal ashes
The barbecue of Alabama, Georgia, and Tennessee is almost always pork served with a sweet tomato-based sauce. However, several regional variations exist as well. Alabama is particularly known for its distinctive white sauce, a mayonnaise- and vinegar-based sauce, originating in northern Alabama, used predominantly on chicken and pork. A popular item in North Carolina and Memphis is the pulled pork sandwich served on a bun and often topped with coleslaw. Pulled pork is prepared by shredding the pork after it has been barbecued.
A barbecued pig Main article: Barbecue in the United States In the southern United States, barbecue initially [8] revolved around the cooking of pork. During the 19th century, pigs were a low-maintenance food source that could be released to forage for themselves in forests and woodlands. When food or meat supplies were low, these [9] semi-wild pigs could then be caught and eaten. It was the Spanish who first introduced the pig into the Americas and to the American Indians. The Indians, in turn, introduced the Spanish to the concept of true slow cooking with smoke. The Spanish colonists came to South Carolina in the early 16th century and settled at Santa Elena. It was in that early American colony that Europeans first learned to prepare and to eat "real" [10] barbecue. According to estimates, prior to the American Civil War, Southerners ate around five pounds of pork for [11] every one pound of beef they consumed. Because of the poverty of the southern United States at this time, every part of the pig was eaten immediately or saved for later (including the ears, feet, and other organs). FYI EXPRESS
Kansas City-style barbecue is characterized by its use of different types of meat (including pulled pork, pork ribs, burnt ends, smoked sausage, beef brisket, beef ribs, smoked/grilled chicken, smoked turkey, and sometimes fish), a variety attributable to Kansas City's history as a center for meat packing in the U.S. Hickory is the primary wood used for smoking in KC, while the sauces are typically tomato based with sweet, spicy and tangy flavor profiles. Burnt ends, the flavorful pieces of meat cut from the ends of a smoked beef or pork brisket, are popular in many Kansas City-area barbecue [citation needed] restaurants. Pit-beef prevails in Maryland and is often enjoyed at large outdoor "bull roasts", which are common for club or association fundraising events. Maryland-style pit-beef is not the product of barbecue cookery in the strictest sense, as there is no smoking of the meat involved; rather, it involves grilling the meat over a high heat. The meat is typically served rare, with a strong horseradish [13] sauce as the preferred condiment. Continued on page 42
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The state of Kentucky, particularly Western Kentucky, is unusual in its barbecue cooking, in that the preferred meat is mutton. This kind of mutton barbecue is often used in communal events in Kentucky, such as political rallies, county fairs and church fund-raising events. In much of the world outside of the American South, barbecue has a close association with Texas. Many barbecue restaurants outside the United States claim to serve "Texas barbecue", regardless of the style they actually serve. Texas barbecue is often assumed to be primarily beef. This assumption, along with the inclusive term "Texas barbecue", is an oversimplification. Texas has four main styles, all with different flavors, different cooking methods, different ingredients, and different cultural origins. In the midwest, Chicago-style is popular and involves seasoning the meat with a dry rub, searing over a hot grill and a long slow cook in an oven. The meat, typically ribs, are then finished with a sweet-tangy sauce. Events and gatherings
Often referred to as "The World Series of [15] Barbecue", The American Royal Barbecue Contest is held each October in Kansas City, Missouri. This event comprises two distinct competitions held over the course of four days. The first contest is the Invitational Contest, with competing teams being required to obtain an invitation by winning other qualifying contests throughout the year. The second competition is an open contest that any team can compete in. This open contest is the largest championship barbecue competition in the world, with the 2007 event attracting 496 teams. The World Championship Barbecue Cooking Contest is held annually in Memphis, Tennessee, during [16] the Memphis in May festival. According to the Guinness Book of World Records, it is the world's largest [17] pork barbecue contest. Other barbecue competitions are held in virtually every state in the United States during the warmer months, usually beginning in April and going through September. These events feature keen competitions between teams of cooks and are divided into separate competitions for the best pork, beef and poultry barbecue and for the best barbecue sauces. Techniques
Diagram of a propane smoker used for barbecuing The word barbecue is also used to refer to a social gathering where food is served, usually outdoors in the late afternoon or evening. In the southern United States, outdoor gatherings are not typically called "barbecues" unless barbecue itself will actually be on the menu, instead generally favoring the word "cookouts". The device used for cooking at a barbecue is commonly referred to as a "barbecue", "barbecue grill", or "grill". In North Carolina, however, "barbecue" is a noun primarily referring to the food and never used by native North Carolinians to describe the act of cooking or the device [14] on which the meat is cooked.
FYI EXPRESS
Barbecuing encompasses four or five distinct types of cooking techniques. The original technique is cooking using smoke at lower temperatures (usually around 240– 270 °F or 115–125 °C) and significantly longer cooking times (several hours), known as smoking. Another technique is baking, utilizing a masonry oven or any other type of baking oven, which uses convection to cook meats and starches with moderate temperatures for an average cooking time (about an hour plus a few extra minutes). Yet another technique is braising, which combines direct dry heat charbroiling on a ribbed surface with a broth-filled pot for moist heat, cooking at various speeds throughout the duration (starting fast, slowing down, then speeding up again, lasting for a few hours). Finally, grilling is done over direct dry heat, usually over a hot fire (i.e., over 500 °F (260 °C)) for a short time (minutes). Grilling may be done over wood, charcoal, gas (natural gas or propane), or electricity.
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Survey Results: A survey of the Georgia insurance Salesmen and Agents has allowed the FYI Express to accumulate a list of potentially great BBQ places. Obviously, taste is highly subjective, quality may vary from day to day and your own personal experiences come into play on what is good and what is not. Several Rep.'s claim that really good BBQ is not found in Georgia, but Memphis, Tn. We have send out our testers to find the "best of the best" pork BBQ in Georgia so we can pass along this information to you , while really enjoying ourselves. Send us your candidate' s name, location, type of sauce used and the house specialty. Potential candidates to be tested are: Fox Brothers 1238 Dekalb Avenue Atlanta, Ga. 30307 Highest rated BBQ in Atlanta by several sources. located near "Little Five points" off the Inman Park area in East Atlanta. http://www.foxbrosbbq.com/location Southern Soul Barbeque 2020 Demere Road Saint Simon Island, Ga. aka "The round a bout BBQ place" - Gets raves reviews from marketing people and online reviews http://www.southernsoulbbq.com Dean's Barbeque 9480 S. Main Street Jonesboro, Ga. - Specialty is a pulled pork sandwich. http://www.tripadvisor.com/Restaurant_Reviewg35039-d467346-Reviews-Dean_s_BarbequeJonesboro_Georgia.html Fresh Air Barbecue 1164 Highway 42s Jackson, Ga. 30233 - Open pit BBQ using a vinegar based sauce http://www.freshairbarbecue.com Walker's Fried Pies & BBQ 2183 Hwy 52E Ellijay, Ga. 30540 Enclosed smoker cooked BBQ, Various sauces are available Closed in the winter months http://www.yelp.com/biz/walkers-fried-pies-and-bbqellijay
Become a LegalShield Independent Sales Associate Today! Whether you want additional income, want to set your own hours, or just want to help the people around you, LegalShield is the opportunity for you. LegalShield offers great legal service and identity theft products with a proven track record of success. We provide legal services to over 1.4 million families across the U. S. and Canada and, last year alone, we serviced 1.9 million requests for legal assistance. We offer our members legal service products that provide assistance with legal issues no matter how trivial or traumatic. Our Associates are proud to offer LegalShield products, to their policyholders, friends, family and community empowering them to speak to an attorney about any issue without worrying about the cost. Offering the LegalShield product is a great opportunity for you to build your own personal success story. Right now, nearly 90% of Americans are without legal protection* - that’s a lot of potential customers. At LegalShield, Insurance Agencies benefit big. At LegalShield, we believe every insurance agency should have access to legal coverage and every insurance agency should be able to afford it. With all the fine print and legalities of running an insurance agency today, legal protection is a necessity, but it doesn’t have to be unaffordable. For one low monthly cost, you can lead your insurance agency with peace of mind knowing you’ll have access to legal advice when you need it most. From legal consultations and contract reviews to debt collection and more, we’ll help you and your business with any legal matter, big or small. Some of Our Insurance Agency Services Include:
Tomlin's Barbeque 5030 Highway 441 North Rabun Gap, Ga. 30568 706-746-2690
Legal consultation on unlimited matters Business law expertise
Small BBQ shack only open Friday, Saturday and Sunday from May until the end of October.
Contract and document review
http://www.urbanspoon.com/r/149/1469362/restauran t/Georgia/Dillard/Tomlins-Barbeque-Rabun-Gap
Debt collection assistance Legal correspondence
What's your favorite BBQ place?
Trial defense services More information at
http://www.legalshield.com/hub/rickrpegram FYI EXPRESS
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Contact Rick Pegram at http://RickRPegram.LegalShield.com
FYI EXPRESS
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Contact Rick Pegram at http://RickRPegram.LegalShield.com FYI EXPRESS
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INSURANCE EXPO 2013 “Rebooting Insurance Offices!” July 11 – 13, 2013 Sonesta Gwinnett Place in Duluth, GA New Location … New Experiences You spoke and I listened. You wanted a place that could host the South’s Best Insurance Industry Trade Fair, the Best Continuing Education Classes, the Best Insurance Agent Party and the Best Hotel Rates … all under one roof … and at affordable prices. You got it! Sonesta Gwinnett Place (formerly Marriott Gwinnett Place) will be the place to be on July 11-13. Single, Double, Triple, Quad Rooms are only $94.00 if reserved by June 27, 2013.
Why Should You Attend? It's 3 days of non-stop action and education designed especially for the Independent Insurance Industry. Get up to 15 hours Continuing Education! Each day features at least 3 hours Ethics CE! If you tour the Trade Show, read FYI Express newsletters and FYI Express e-mails, you have automatically earned 3 hours Association CE! But wait … there’s more! Free Trade Fair, Free Hospitality Suites, Free Pool Party … we’ve got it all.
Agent / CSR Online registration at http://ie13-agent.eventbrite.com Exhibitor / Sponsor Online Registration at http://ie13-rep.eventbrite.com IE2013 Attendee Invitation
More info at www.fyigeorgiaviews.com
Insurance Expo 2013 Continuing Education Agenda th
Thursday, July 11th
Friday, July 12
9:00 a.m. – 12:00 p.m.
9:00 a.m. – 12:00 p.m.
“Localize, Mobilize, Socialize”
“Insurance for Insurance Agents”
3 hours Ethics CE
3 hours P&C CE
Internet Marketing & Social Media enables independent agents to establish consistent client communication but it must be done ethically. Eddie K. Emmett shares all of the free tips ‘n tools in what has been described as “the best CE seminar I’ve ever attended!” CE Sponsored by AccuAuto.
Test your knowledge of the types of insurance needed and the uninsurable legal traps faced by your agency in this fast-paced CE seminar based on the popular “Jeopardy” game show. Sponsored by Rick Pegram, Director for LegalShield. Want a “sneak peek” at the topics? Check out this four minute YouTube video I made from the PowerPoint Presentation. http://youtu.be/pctgD4XTZng
1:00 p.m. – 3:00 p.m.
FREE CE Commissioner Hudgens’ staff will bring you up to date on the plans for GA’s Insurance Industry This CE is free to everyone but you must register online at http://ie13agent.eventbrite.com since seating is limited to the first 240 registrations.
1:00 p.m. – 3:00 p.m. Industry Roundtable Discussion I’ve invited the “Head Honchos” to share with you their thoughts on where this industry is headed and how you can maximize the opportunities. 3:00 p.m. – 5:00 p.m. Free Trade Show 75 Exhibit Booths, 250 Company reps … all there to thank you for your business or show you why you should have a mutually profitable relationship.
3:00 p.m. – 5:00 p.m. Free Trade Show 75 Exhibit Booths, 250 Company reps … all there to thank you for your business or show you why you should have a mutually profitable relationship.
Attend Roundtable plus Trade Fair and earn 3 hours Association CE Credit (max 3 hours per year) 5:00 p.m. – 9:00 p.m.
Attend DOI Update and Trade Fair and earn 3 hours Association CE Credit (max 3 hours per year) 5:00 p.m. – 6:00 p.m.
Salsa Pool Party Bring your swim suits and enjoy drinks, hors d’ouveres, and beach / salsa music as we take you to an exotic paradise. th
Welcome Reception in Sonesta Pub
Saturday, July 13
Come enjoy your share of a $500 bar tab awarded to the Exhibitor you voted “Best in Show”.
“Localize, Mobilize, Socialize”
Then let’s find the Hospitality Suites in the Sonesta Gwinnett Place!
IE2013 Attendee Invitation
3 hours Ethics CE (repeat from Thursday) Internet Marketing & Social Media enables independent agents to establish consistent client communication but it must be done ethically. Eddie K. Emmett shares all of the free tips ‘n tools in what has been described as “the best CE seminar I’ve ever attended!” CE Sponsored by AccuAuto. More info at www.fyigeorgiaviews.com
Register Online at http://ie13-agent.eventbrite.com IE2013 ATTENDEE REGISTRATION INFO Everyone is invited to enjoy the IE2013 Continuing Education Seminars that were created especially for Independent Agents & CSRs. Get up to 15 hours CE … each day features at least 3 hours Ethics CE.
GEORGIA ONLY CE IE2013 CE seminars qualify for CE only for Georgia’s licensed agents. But agents from our neighboring states are invited to enjoy them anyway! Therefore, 50% discounts will apply to anyone from outside of Georgia or just doesn’t need CE. You’ll get great information by attending the seminars but you won’t get CE credit.
Don’t need CE? Many Attendees have asked for a Special Non-CE Registration Package for themselves and their CSRs. You spoke and I listened! Attend for 50% discount and enjoy “news, views and opinions” for Independent Agents from Independent Agents! You’ll get great information by attending the seminars but you won’t get CE credit. IE2013 ATTENDEE REGISTRATION FORM Please fill out a separate Registration Form for each Attendee. (Feel free to copy) Instead of filling out the following, you may just include your business card(s) when you mail in the registration if your card has all of the following info: Name: ____________________________________ First Name (or Nickname) for Badge: ____________
IE2013 ATTENDEE REGISTRATION INFO ___ ONE-DAY REGISTRATION = $49.00 Choose either: ___ Thurs ___ Fri Pay only $49 for that day's activities: Morning's 3 hours CE, Trade Fair (Thurs & Fri), & Afternoon's 3 hours Ethics CE. Don’t need CE? 50% discounts will apply! ___ NON-CE REGISTRATION = $25.00 ___ TWO-DAY REGISTRATION = $89.00 Both Day’s Package (up to 12 hours CE) is only $89 for that day's activities: Morning's 3 hours CE, Trade Fair (Thurs & Fri), & Afternoon's 3 hours Ethics CE. Don’t need CE? 50% discounts will apply! ___ NON-CE REGISTRATION = $45.00 ___ MORNING CE = $25.00 Choose one: ___ Thurs
___ Fri ___ Sat
__ AFTERNOON CE = $25.00 Choose one: ___ Thurs
___ Fri
Everybody can’t leave the office at the same time? Don’t want to close it completely down? Feel free to combine your registration with fellow employees and still get the multi-day discount price! Total check attached =
$ _______
Please make check payable to FYI: Insurance Views and News & mail it with completed form(s) to: FYI: Insurance Views and News 200 Russell Court, Canton, GA 30115
Agency: ___________________________________
Questions? Contact me at (770) 312-2342; Mailing Address: ____________________________ (City) ________________ (State) ___ (Zip) _______
Fax (770) 783-8226 or e-mail to: eddie@fyiexpress.com
Ph :(_______) ______________________________ Fax :(_______) ______________________________ E-mail: __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __
Enjoy a “mini-vacation” at Sonesta Gwinnett Place for only $94.00 per night Click here for Online Registration IE2013 Attendee Invitation
More info at www.fyigeorgiaviews.com