Suffolk Magazine May/June 2014

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SUFFOLK Big Eye INDEPENDENT INSURANCE AGENTS & BROKERS OF SUFFOLK COUNTY

IIAB OF SUFFOLK COUNTY INSTALLS JOANNE BENTIVEGNA AS PRESIDENT INSIDE: • Presidents Message • Installation Dinner • Golf Outing Rescheduled • IIABNY Annual Business Meeting

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President’s Message President

I can’t believe I am already beginning the start of my 2nd year as the President of your organization. I am looking forward to continuing our initiatives and to provide a pathway for our board and future boards that will represent our organization.

The 2014/2015 year is going to be a busy one.

We will be focusing on a limited amount of initiatives this year and hope to accomplish them by end of this term year.

Joanne Bentivegna nnn

We are working on developing our scholarship program into a partnership with one of Suffolk County’s largest universities along with the Trusted Choice brand. This could allow us to introduce the future leaders of our industry to the Independent Agents system along with the Trusted Choice Brand.

We are going to be working closely with the Downstate Council to enhance the Insurance Industry. With the addition of the PIA into the council we are all going to work towards a common

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the President’s Message cont’d goal while at the same time execute our individual initiatives. This is an exciting time.

I also want to encourage all of our members to sign up and join other agents and brokers at the 1st NYiDAY event being held in New York City on October 28, 2014. This event is a going to provide our members with resources that we would not normally have access to in this kind of environment. Our state organization IIABNY has put a lot of thought and planning into the event and it promises to benefit your agency into the future. Please make sure you sign up and join us.

Lastly, please remember this is your organization, and your participation with this organization is what makes it successful. Please participate and support us throughout the year and join us for our meetings. We welcome your involvement.

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Joanne Bentivegna

The Independent Insurance Agents & Brokers of NY is proud to present NYiDAY October 28, 2014 Millenium Broadway Hotel New York You are invited to be part of an insurance event unlike any other you've ever attended.

A one-day infusion of progressive ideas, knowledge, contacts and solutions that can be implemented immediately.

Thought Provoking Sessions A dynamic trade show with high end solution providers Engaging speakers & Invaluable networking

Space is extremely limited.

Secure your spot at NYiDAY.com 5

Note your calendar now to attend this big event. ********************************** Our Annual Golf Outing was rescheduled to Monday August 25, 2014

Pryor Personnel Agency Inc. The Insurance Specialist since 1970 local, National and International Recruitment www.ppryor.com ppryor1578@aol.com

Independent Insurance Agents & Broker of ANNUAL GOLF Suffolk County OUTING will take place on

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MONDAY, Aug. 25, 2014 At the Beautiful Port Jefferson Country Club at Harbor Hills!

Event Schedule: 11:00 am - Registration and Lunch 1:30 pm – Shotgun Tee-Off - ‘Best Ball’ 6:00 pm - Cocktails, Buffet Dinner, (Including Deluxe Seafood) & Prizes.

Caterer: Lombardi’s On the Sound

Golf, Cocktails & Buffet Dinner $295.00 per person Cocktails & Buffet Dinner $95.00 per person BOOK EARLY SPACE IS LIMITED! Register On Line @ www.suffolkagents.com / Click on ‘Meetings & Events’

Golf Includes: greens fees (18 holes), electric cart, lunch, cocktails, open bar all evening and a buffet dinner including deluxe seafood.

Prizes include winners of longest drive, hole-in-one, and nearest the pin.

Numerous prize drawings throughout the evening. Proper golf attire required. Metal golf spikes not permitted.

MAKE ALL CHECKS PAYABLE TO IIABSC! RETURN PAYMENT & FORM TO:!

Joseph Gundermann

Gundermann & Gundermann Insurance

175 West Carver Street, Huntington, NY 11743!

Any questions, call Joe at 631-271-0600 ext 204 or Email: jgundermann@gundermann.com or Jeanne at 516-681-6265 or Email: injeanious1@mac.com

GOLFER OUTING !Name: _________________________________________Company: ________________________________________ Tel: ___________________________________Email ____________________________________________________ Additional GOLFERS: _____________________________________________________________________________ PREFERRED FOURSOME: GOLFER 1:______________________________________ GOLFER 2:_____________________________________ GOLFER 3:______________________________________ GOLFER 4:_____________________________________ I am enclosing a check in the amount of $ ________________ for ______ players, payable to IIABSC. I am enclosing a check in the amount of $ ________________ for Dinner Only, payable to IIABSC.

BOWLING TOURNAMENT Tuesday September 16th Join Us As We Bring Together the Local Insurance Associations on Long Island for Some Friendly Competition!

CIBGNY, CPCU, IIABSC, PIANY, QCIP, TriCounty IIAA & WINLI & Next Gen

Whose team are you on?

Six bowlers per team.

The 1st place team will receive a trophy and bragging rights!

Cheerleaders Needed Too!

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Place:

Bowlmor Lanes 895 Walt Whitman Rd. Melville NY

Time:

5:00 pm Check in; 5:30 pm Bowling & Pizza Party with beer, wine & soda

Cost:

$60.00 per person

Advance registration required. Please register by September 8, 2014.

Organized by the DOWNSTATE INSURANCE ASSOCIATIONS’ COUNCIL Register On-Line at www.downstateinscouncil.org or print and mail in this form Questions? Contact Jeanne Abatelli 516-681-6265 or email: injeanious1@mac.com

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Reservation for 9/16/14 Please make check payable to Name(s) ___________________________________________ DOWNSTATE and mail this form With your check to: Agency/ Co._____________________________________________

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Jeanne Abatelli 150 Dartmouth Dr Hicksville, NY 11801

Tel: ______________Email _______________________________ I am participating by bowling/cheerleading for _________________

The Independent Insurance Agents & Brokers of Suffolk County Installs Officers and Directors For The New Term of 2014 - 2015

The Independent Insurance Agents & Brokers of Suffolk County, Inc.

installed new officers and directors for the 2014 through 2015 term. Over 90 IIABSC members and guests attended the May 29 event which took place at the East Wind Conference center, Wading River, NY. Richard A. Poppa, President & CEO of the Independent Insurance Agents & Brokers of New York, Inc. performed the installation ceremony along with Michael Bentivegna, husband of the newly installed president.

Joanne Bentivegna, CIC, CRM, of JB Consulting was re-elected as the

organization’s president. Rich de la Sota, MRW Group, Huntington, will serve as vice president. Paulette Katz, CIC, Maurice B. Cunningham, Inc. in Southampton will remain as the association’s treasurer and Eric Keiffert, CPCU, Hometown Insurance Agency, Bohemia will assume the position of secretary.

IIABSC also installed the following directors: • Christopher G. Allenger, Bay Harbour Group, Patchogue; • David H. Borg, CISR, Borg & Borg, Inc. Huntington; • John J. Glennon of John J. Glennon, Inc., Hauppauge;

• Joseph Gundermann, AAI, Gundermann & Gundermann, Inc., Huntington; • Laura Senn, CIC, People’s United Insurance Agency, Smithtown; • Aaron Stein, CPCU, CFP, Norton & Siegel, Inc., Babylon; • Stephen H. Testa, CPCU, ARM, Testa Brothers, Ltd, Northport.

Since 1993, the Ferdinand Coste Award recognizes those individuals whose

unselfish dedication and commitment to the association and furthering the ideals of his fellow independent insurance agent. This year the award was presented to Earl P. Eaton, CPCU, CLU of Eaton Insurance, Amityville, NY. Earl has served as president of CPCU, IIABSC & Downstate Insurance Associations Council.

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The Suffolk Officers & Directors being sworn in for the 2014 - 2015 Term

Installation Dinner

Aaron Sten, Ava Locascio, Paulette Katz

Sponsor Michelle Russo - Adirondack Insurance, Eric Keiffert, & Laurie Morrow - The Hartford

Rob Rivera & Paul Orlando of NIF Group Jane Besser, WINLI & Risa Kluger - Servpro of Port Jefferson

Maureen Ford, Maria Thomas - WINLI President, Sponsor Michelle Russo Adirondack Insurance, & Mark Maguire

Dick Poppa - IIABNY President & CEO, Jim Sutton - IIABNY Chair of the Board, Kevin Crossley - IIABNY Regional Director

Paulette Katz, John Mulvey, Ava Locascio

Judy & Don Hester Nora & James Burger

Scott & Mary Lobel

Three of our sponsors: Linda Fazzio - Interboro AutoOne, Florence Abate - Chubb Insurance, Michelle Russo - Adirondack Insurance

Sponsor Eric Feit - Merchants Insurance, Jack Wallace - Pennsylvania Lumbermens Mutual Insurance Company, & Steve Testa - Testa Brothers

Sponsor Nelson Gochez - Interboro AutoOne, with Diane Fullone - Capitol Restoration Dry Cleaners & Sponsor Ed Reilly Interboro AutoOne

Eric Keiffert, Sponsor Jack Geagon - Merchants Insurance, Paulette Katz & Tom Crowley

The WINLI Ladies: Jane Besser, Denese Thompson, Mary Mondrick, Maria Thomas WINLI President & Sponsor Dee Clark - Pryor Personnel

David H. Borg, Sponsor Dennis Lombardi - Total Restoration, Stephen Siringo & Sponsor Risa Kluger - Servpro of Port Jefferson

Hometown Insurance Agency

Michael & Joanne Bentivegna

Joanne Bentivegna & Dick Poppa

Jim Sutton (left) with Joanne Bentivegna (right) presenting the Ferdinand Coste award to Earl Eaton, CPCU

Michael Bentivegna & David Borg Joanne Bentivegna with 50/50 winner Anthony Campagna of Capitol Restoration Dry Cleaners, who donated his winnings back to our scholarship fund

Hometown Insurance Agency

IIABNY’s Annual Business Meeting

by Laura Senn

The IIABNY’S Annual Business Meeting

took place on Thursday, May 15th at the Hyatt Place in Riverhead which is part of the Atlantis aquarium. The current Chair of the Board, Andrew Kaufman, handed his baton over to Jim Sutton. Jim was installed as Chair of the Board to serve the 2014 – 2015 term.

Laura Senn nnn

The room was crowded with many

supporters of IIABNY who were there to thank Andy Kaufman and congratulate Jim Sutton.

Andy thanked everyone for their contribution during the year and Jim accepted this new responsibility with the promise of doing everything in his power to represent the Independent Agent and thanking us for the opportunity and honor.

There were also many well-deserved awards

presented. Stephen R. Zogby of Scalzo, Zogby & Wittig received the Vincent Alba award for his outstanding contribution to the political effectiveness of IIABNY. 20

IIABNY’s Annual Business Meeting con’t

Sharon Emek, CEO & President of WAHVE received the 1882 Fellow

Award, which is the highest honor, recognizing her significant contribution to IIABNY, the industry and community.

We took a moment of silence to remember Past Presidents that we lost,

John (Jack) Russell of Binghamton who served from 1967-68 and Carl Ernstrom of Binghamton who served from 1990-91.

We also want to thank our Company partners who were selected by agents

and brokers in NY to receive the Outstanding Company Partner Awards.

Safeco for Outstanding National Personal Lines Company Partner, The Andover Companies for Outstanding Super Regional Personal Lines Company Partner, Dryden Mutual Insurance Company for Outstanding Regional Personal Lines and Commercial Lines Company Partner, CNA for Outstanding National Commercial Lines Company Partner and Merchants Insurance Group for Outstanding Super Regional Commercial Lines Company Partner.

It was good to see so many in attendance supporting our organization,

supporting Jim and showing their sincere appreciation for those who have dedicated their time to make our organization successful.

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IIABNY’s Annual Business Meeting con’t

The Independent Insurance Agents of Monroe County was recognized as

the 2014 Local Association of the Year.

Michael V. Barrett of Barrett Associates and Tim Dodge of IIABNY

received the Distinguished Service Award for their lasting and outstanding contribution to IIABNY.

V. Daniel Robinson, the President & CEO of NY Central Mutual was the

recipient of the Exemplar Award for his dedication and unwavering support of the Independent Agency System by his words, deeds and actions.

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Jim Sutton Takes Office as IIABNY Board Chair •

James D. Sutton, CPCU, AAI,

CIC led the list of officers elected yesterday by IIABNY members. The association installed Sutton as chair of the board at its 132nd Annual Business Meeting, held at The Hyatt Place in Riverhead. Members also elected and installed new regional and district directors for the 2014-2015 term.

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Sutton, CEO and president of

James F. Sutton Agency Ltd. in East Islip, has served IIABNY as its chair-elect, secretary-treasurer and as a regional director representing the association’s members in the New York City metropolitan and suburban parts of the state. He has also served on the association’s Independent Agent Branding Committee, Audit Committee, a committee to further the independent agent Trusted Choice ® brand, and on a committee to raise funds for the InsurPac national political action committee.

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Jim Sutton Takes Office as IIABNY Board Chair con’t

Sutton is a past president of the IIAB of Suffolk County and the

Downstate Insurance Associations Council, as well as a past chair of the New York/New Jersey NorthStar Agents Council for Encompass Insurance. Has also been an active volunteer in his community, with leadership roles in the Rotary Club of Islip, the Islip Arts Council, the East Islip Chamber of Commerce, the Community Association Institute of Long Island, and local parochial schools.

In his acceptance speech, Sutton warned of growing threats against

agents and brokers, including: • An onslaught of advertising by insurance companies that sell without the involvement of agents • Increasing merger activity • The popularity of purchasing insurance via the Internet • Insurance companies selling through multiple distribution channels

“The local agent and the independent agent channel are undergoing

dramatic change and not all agents will survive the transition,” he said. To counter these threats, he encouraged independent agents and brokers to support the Trusted Choice® brand. He also urged them to participate in Project CAP, an effort to help agents market through the Internet.

Jim Sutton Takes Office as IIABNY Board Chair con’t

Sutton also discussed political and regulatory issues on the horizon, such as

the looming expiration of the federal Terrorism Risk Insurance Program, the precarious market for homeowners insurance in coastal areas, and ongoing problems with certificates of insurance. “IIABNY’s advocacy efforts are another prime example of why we can’t go it alone,” he said. “It is critical to our livelihood that the association is there in Albany and Washington to represent us.”

Other officers elected and re-elected to IIABNY’s executive committee for

one-year terms included: • R. Todd Rockefeller, vice-president of DeRosa, Rockefeller, Sohigian, Werdal, Inc. in Harrison, elected chair-elect.

• Jack Smith, CPCU, ARM, CIC, executive vice president for the William A. Smith & Son agency in Newburgh, elected secretary-treasurer.

• Michael Vanderwerker, president of Assured SKCG, Inc. in Peekskill, New York to represent the New York City metro and suburban areas; • Kevin R. Crossley, vice president of AAA New York Insurance Services, Inc. in Garden City, also to represent New York City metropolitan and suburban areas; • Karen Peters, CPCU, vice-president of Rose & Kiernan, Inc. in Albany, to represent the state’s Capitol District and areas north;

Jim Sutton Takes Office as IIABNY Board Chair con’t • Jessica Belleville, president of Belleville Associates in Tupper Lake, also to represent the state’s Capitol District and areas north; and • Richard MacDonald, CPCU, ARM, AIM, agency sales manager for Haylor, Freyer & Coon, Inc. in Syracuse to represent the central and western areas of the state.

John Costello, CIC, regional executive vice-president of commercial lines

for First Niagara Risk Management, Inc. in Rochester, was elected to a second three-year term as national director, representing IIABNY on the IIABA national board.

Christopher Brassard, CIC, executive vice-president of Ten Eyck Group

in Albany, New York, won a two-year term as an at-large member representative on the Nominating Committee, which evaluates candidates for leadership positions and makes recommendations to the membership.

Earlier in the day, the IIABNY board of directors elected Jana Critchfield

of Wright Insurance Group (owned by Brown & Brown, Inc.), St. Petersburg, Florida; Lawrence Pistell, ARM of St. Johns University in New York City; and Jeanne Salvatore of the Insurance Information Institute, also in New York City, to one-year terms as at-large directors.

Interboro Celebrates 100 Years

Wow, 100 years of rapid transformation and Interboro's still going full

steam ahead to keep up with the changes and challenges that the world continues to hand us.

Since 1914, Interboro Insurance Company has been committed to

protecting insureds and assuring peace of mind for our local communities.

Through our Brokers specialized expertise, the company has ensured that all policyholders can focus on growing and adapting to the ever changing demands of society.

Interboro's roots began with the needs of New York City brewing

companies. Those needs transitioned from the liabilities associated with the breweries delivery operations to a mutual fund pooling expenses to protect their assets. As prohibition shut down their operations in 1919, The Brewers' Mutual Indemnity Company became Interboro Mutual Indemnity Insurance Company. To change the direction of the company, dedicated board members started writing Commercial Automobile Insurance. Soon personal cars became a reality for many, so to keep up with the trend, the company quickly began writing Personal Automobile Insurance as well. Suburbia boomed in the 1950's and again Interboro kept up with the needs of the community by adding Homeowners' Insurance to their repertoire of products. In addition, Interboro also offered Workers' Compensation Coverage to maintain their commercial business ties from the past.

STRENGTH ! INTEGRITY ! COMMITMENT

We are so proud to celebrate 100 years of doing business. Times change, people change but our relationships with brokers continues to thrive. We truly look forward to the next 100 years!

• Homeowners & New Expanded Multi-Tier HO Product • Multi-Tier Personal Auto • Personal & Commercial Assigned Risk

155 Mineola Boulevard Mineola, NY 11501 www.IAOins.com 516 248-1100

THE COMPANY YOU CAN TRUST...SINCE 1914

Jerry Brunell Memorial Fishing Outing Wednesday August 20, 2014 Again this year, Downstate will hold its annual Fishing Excursion on the “Fishtale� boat departing Captree Boat Basin. Ticket price includes a full day of fishing, breakfast, lunch, beer, soda, prizes, bait & tackle, fishbags.

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Amount: $75.00/person Place: Captree Boat Basin Time: Departs 7:45 am. Return 3:30pm Directions: Southern State Parkway to Exit 40, Robert Moses Causeway, take south 5 miles to Captree Boat Basin exit Footwear: Sneakers, dock-siders or equivalent

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Note to donate fishing prizes and more information call Martin Rosenthal at 631-650-9394 evenings only or email: per8384@optonline.net

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Please fill out and send with your check payable to Downstate Council Return to Martin Rosenthal 42 Keswick Drive East Islip, NY 11730

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Firm Name:___________________________________________________________________ Name:_______________________________________________________________________ Address:______________________________________________________________________ City: _______________________________________ State: _______ Zip: _________________ Tel No._____________________________________ Email: ___________________________ No.Fishing _____ @ $75 each = $__________ Total Amount of Check enclosed ___________ Use back of form for additional fishermen.

Interboro Celebrates 100 Years con’t

Although Interboro was successful with writing policies directly for their

insureds, they recognized the benefits that a broker could provide through personalized service and thereby partnered up with Independent Brokers. As the world evolved, insurance needs became more complex and the company relied even more heavily on their broker partners to analyze and assess the needs of each client.

Nowadays, insureds are forced to think about such things as what they'd

do if an electrical problem caused their new washing machine to break down, if their hot water heater suddenly malfunctioned pumping water all over the house, or if someone stole their identity and committed credit card fraud. The needs of 100 years ago are a world apart from those of the present time and they will continue to become increasingly complex and diverse.

Because of Interboro's experience throughout a rapid era of

development, the company is well equipped to tackle the issues of today and tomorrow. By listening and responding to trends, the company is prepared to tackle the potential coverage challenges of the future. The best result of this evolution in policy-writing structure is that insureds can convey their individual needs and develop long-standing, valuable relationships with Interboro's Brokers in order to ensure their financial protection to avoid setbacks allowing them to flourish in their daily lives.

Interboro Celebrates 100 Years con’t

The future is uncertain, but as Interboro celebrates 100 years of

continuity and strength, it will most certainly grow and evolve as needed as the years unfold. Its central focus is still protecting the community, along with whatever its members deem most valuable, with the goal of providing the best service and security in this stormy, ever-changing world.

You are cordially invited to share in the spirit of caring at the 20th Annual Long Island Insurance Community Gala Carlyle on the Green Bethpage State Park Monday, September 22, 2014 5:30 to 9:30 p.m.

Honoring J. Douglas Robinson Chairman of the Board and Chief Executive Officer Utica National Insurance Group For more information contact: Lois Grant at 631.940.3746 or lgrant@unitedwayli.org visit www.l-i-i-c.org

Join Us For A Ducks Game ! on Tuesday, July 22, 2014 Network with the Long Island CPCU members as we enjoy

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an evening at Bethpage Ball Park!!

Kick back and enjoy a summer evening at a Ducks game. Bethpage Ball Park, home of the Ducks is located in Central Islip making it very easy to get to no matter where on Long Island you’re coming from. Since the stadium is much smaller than your standard MLB stadium, you won’t have to fight

ats e S d e Limit uickly Time: Act Q Location:

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traffic getting to or leaving the game.!

Tuesday July 22, 2014 !

Gates open at 6:05 pm; Game begins at 7:05 pm!

Bethpage Ballpark 3 Court House Dr. Central Islip, NY 11722

Directions: Visit http://www.liducks.com/ballpark/drivingdirections/ Cost:

$30.00 for dues paying members. $30.00 for dues paying member’s spouse and children. $40.00 for all others.

Children 13 and under free

RSVP:

July 11, 2014

Food & Soft Drinks Included!

Questions? Contact Jeanne Abatelli 516-681-6265 or injeanious1@mac.com!

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To pay by credit card Click Here or print and return this registration form!

NAMES: ________________________________________________TEL: _______________________________!

AGENCY/CO: ________________________________________E-MAIL: _______________________________!

ENCLOSED IS A CHECK FOR: ____________________ !

PAYABLE TO: LI CPCU! MAIL TO: JEANNE ABATELLI * 150 DARTMOUTH DR. * HICKSVILLE, NY 11801

The 2014 Trusted Choice® Marketing Reimbursement Program With its new online quoting capabilities and bold, new “Freedom” advertising campaign, the Trusted Choice® brand has gained a whole new level of recognition among consumers.

There has never been a better time to co-brand your agency as Trusted Choice® and the 3 great options above can help you offset your costs while doing so!

You can choose to apply for 1, 2, or all 3 reimbursement options. Certain rules and eligibility requirements apply, so be sure to review the Marketing Reimbursement Program guidelines document and application first.

The guidelines & application can be found at

www.iiabny.org/TrustedChoice

If you need assistance, please don’t hesitate to contact:

Jo Buckley

Trusted Choice® Member Advocate 703.706.5412 joanne.buckley@iiaba.net

Julie MacConnell

IIABNY Director of Marketing & Communications 800.962.7950 x226 jmacconnell@iiabny.org

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Sponsors

Installation Sponsors Dinner Sponsors Adirondack Insurance Chubb Insurance Co. Interboro / AutoOne / Maidstone Insurance Co. Kingstone Insurance Company NIF Group, Inc. Ocean Harbor Casualty Insurance Company Pryor Personnel Agency, Inc. Servpro of Port Jefferson Total Restoration

Social Hour Sponsors Affiliated Adjustment Group Merchants Insurance Group Narragansett Bay Insurance Company Please remember these companies support our association, please help support them whenever possible!

Visit our sponsor’s website by clicking their name above.

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Board of Directors VICE PRESIDENT

TREASURER

SECRETARY

RICHARD DE LA SOTA, CPCU

PAULETTE KATZ, CIC

ERIC KEIFFERT, CPCU

Directors

IMMEDIATE PAST PRESIDENT DAVID M. BORG, CPCU, CIC, ARA, CRM

CHRISTOPHER G ALLENGER Chris@Bayharbourgroup.com

DAVID H. BORG, CISR dhborg@borgborg.com JOHN J. GLENNON john@glennoninsurance.com JOSEPH A. GUNDERMANN, AAI jgundermann@gundermann.com

LAURA SENN, CIC laura.senn@peoples.com

AAron Stein, CPCU, CFP aaron@nortonsiegel.com STEPHEN H. TESTA, CPCU, ARM stesta@testabrothers.net

Publication Staff EDITOR: Don Hester PRODUCER: Jeanne Abatelli COMMUNICATIONS COMMITTEE: Aaron Stein, David H. Borg, John Glennon, Eric Keiffert , Laura Senn, and Jeanne Abatelli.

AD SALES/SPONSORSHIPS: Jeanne Abatelli - info@suffolkagents.com

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QSR

Quaker Special Risk EXCLUSIVELY SERVING RETAIL AGENTS SINCE 1960

Quaker Special Risk is the appointed Program Administrator for an ‘A’ XV rated carrier

Program for Luxury Homebuilders and Remodeling/Renovating GC’s Qualification Requirements: Residential General Contractors involved in the construction of single family or two family homes or Remodeling/Renovation General Contractors performing commercial or residential work that subcontract most of their work. Maximum 15 new starts per policy year for home builders.

Coverage Outline: Commercial General Liability Policy Form: CG0001 (07/98) Per Project Aggregate Blanket Additional Insured (including completed operations) Blanket Waiver of Subrogation Primary Non Contributory Employee Benefits Liability Competitive Rating Structure Limited Pollution Coverage Extension

Recently Reduced Minimum Premiums for all Programs

Two New QSR Contractor Programs Now Available * Solar Contractor Program * Artisan Contractor Program Submission Requirements: 4 years of currently valued loss runs Minimum 3 years in business or 6 years of construction experience Acord Application & Supplemental Application (see our Web Site) Copy of Subcontractor Agreement Number of new home starts and average sales price per home Direct Payroll, cost of subcontractors & gross annual revenues *Other markets are available for risks not fitting this profile For more information call Frank Walsh at 800-447-4180 ext. 2232, fwalsh@qsr-insurance.com

Quaker Special Risk P.O. Box 1350 Eatontown, NJ 07724 800-447-4180 • Fax 732-223-9072 www.QSR-insurance.com

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Note your calendar now to attend this big event. ********************************** INDEPENDENT INSURANCE AGENTS AND BROKERS OF SUFFOLK COUNTY Annual Holiday Party will take place on THURSDAY, December 4, 2014 At the Villa Lombardi’s Holbrook, NY

IIABNY Applauds Assembly Passage of Certificates of Insurance Bill

The Independent Insurance Agents & Brokers of New York today

commended the New York State Assembly for passing a bill to reform the use of certificates of insurance. The Assembly approved the measure, Senate Bill 6545-A, on June 10, 2014.

IIABNY Chair of the Board James D. Sutton, CPCU, AAI, CIC said,

“This is a good day for law-abiding insurance agents and brokers. This bill, carefully crafted to address Gov. Cuomo’s concerns, will prevent agents and brokers from having to make an impossible choice – violating the law or losing a valued client.”

Certificates of insurance are one- or two-page forms that businesses

commonly give other businesses or government entities for which they are doing work. These forms summarize the terms of the insurance policies the businesses have purchased.

In recent years, insurance producers in New York and throughout the

U.S. have reported increasing demands from many organizations that producers make statements on certificates to change a policy’s terms.

Organizations often insist that certificates promise lengthy advance notice if the insurance company or the insured business cancels the policy or makes major changes.

Another common demand is for guarantees of complete coverage for

indemnity agreements between the organization and the insured business.

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IIABNY Applauds Assembly Passage of Certificates of Insurance Bill con’t Producers are also pressed to make warrantees that the policies comply with all requirements of often-complex contracts.

Insurance producers who comply with these demands risk breaking

insurance law and incurring fines for issuing fraudulent certificates. Those who refuse risk losing customers.

IIABNY played a key role in drafting the legislation, sponsored by

Insurance Committee Chair Sen. James L. Seward (R-Milford)and Assembly Majority Leader Joseph D. Morelle (D-Irondequoit). The association also worked with other interested groups to resolve differences over the wording.

The resulting bill would prohibit a number of practices, including: • Altering or modifying a certificate of insurance • Requesting the issuance of a certificate that contains false or misleading information • Issuing a certificate that changes the terms or coverage provided by the insurance policy • Issuing an opinion letter or similar document that violates any of these other prohibitions, and

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IIABNY Applauds Assembly Passage of Certificates of Insurance Bill con’t • Requiring forms other than standard forms created by the Association for Cooperative Operations Research and Development (ACORD) or the Insurance Services Office (ISO).

A similar bill passed both chambers of the legislature in 2013. Gov.

Andrew Cuomo vetoed it out of concerns that generic certificate forms might not meet the needs of state agencies. The new bill requires the use of industrystandard certificate forms. However, it also permits forms created by state agencies if the New York State Department of Financial Services (DFS) has approved them.

“We recognize Gov. Cuomo’s concerns regarding state agencies’ desire to

use their own certificate forms,” Sutton said. “That is why we have worked closely with his staff to devise legislation that will alleviate those worries. This measure permits state agencies to continue using their own certificate forms.

Doing so in partnership with the DFS will ensure that the forms do not place insurance producers in legal jeopardy.”

“We wish to thank the bill sponsors and the leadership of both the

Senate and the Assembly for their swift, decisive action on this bill,” Sutton continued. “Since it addresses the issue that the governor saw in the previous version, we urge him to sign it into law as soon as possible.”

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Sunday, September 28, 2014 %PXMJOH $PMMFHF #SPPLIBWFO $BNQVT t 4IJSMFZ 3FHJTUFS BN t 4UBSU BN 1SF 3FHJTUSBUJPO CZ

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Your participation helps us reach toward our vision of granting the wish of every eligible child.

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Sponsorships available 8JTI (SBOUPS t (PME t 4JMWFS t #SPO[F Please call 631-585-9474 for more info.

Registration Form Name:_____________________________________________ E-mail Address: ______________________ Walker/Runner Address:_____________________________ City: ______________________ State: _____Zip:_________ Gender: M/F Phone Number:_________________________ Emergency Phone Number: __________________________ Age______ $25 Pre-Registration (received before 9/15/2014): (Includes T-Shirt, Time Chip and Race Number - Circle T-Shirt size below) All pre-registrants will be emailed information regarding early check in and race packet pick up.

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Adult XL

$30 Late-Registration (received after 9/15/2014): Does Not Include T-Shirt Checks made payable to Make-A-Wish Suffolk County.

Please mail completed registrations to: Make-A-WishÂŽ Suffolk County, NY, 1 Comac Loop, Suite 1A1, Ronkonkoma, NY 11779

Please note: baby joggers, bicycles, skateboards, rollerblades, etc. are NOT permitted. Strollers and/or wheelchairs are permitted for 5K Walk participants only.

Waiver: In consideration of the acceptance of my entry, I do herby, for myself, my heirs, executors and administrators, waive, release and forever discharge any and all rights and claims for damages which I may have or which may hereafter accrue to me while traveling to and from or participating in the Walk For Wishes 5k Run/Walk event, against Make-A-WishÂŽ my participiation in said event. I also give permission for the free use of my name, picture or likeness in any account for the promotion of this event. I hereby attest and verify that I have full knowledge of the risks involved in participating in this event and that I am in appropriate physical condition to participate in the Walk For Wishes 5k Run/Walk. I have

Date_______________

Signature ___________________________________________________ Signature of Parent/Guardian (If participant is under 18)________________________________

Other Noteworthy Insurance Legislation Passed by NYS Lawmakers During 2014

Annual Wage Notice. (S.5885/A.8106C) eliminates the requirement

contained in the Wage Theft Prevention Act that employers provide a wage notice to all employees by Feb. 1 of each year. Employers in New York will no longer have to issue annual wage notices to employees in 2015 and beyond.

The bill also increases the penalties for an employer’s failure to provide a wage notice upon hiring a new employee and for an employer’s failure to provide appropriate wage statements to employees. And, it imposes significant consequences on employers who are found to be repeat offenders.

Fire Appraisal. (A.9346A/S.4756A) makes changes to the fire

appraisal process under the Standard Fire Policy. Current law provides that an appraisal will be limited to determining the actual cash value and/or the replacement cost or amount of the loss. The bill adds to the list, a determination of the “extent of the loss or damage and the amount of the loss or damage.” And, it includes language to clarify that coverage disputes would not be subject to the process.

Out-of-state enrollees. (A.9175A/S.6505B) amends the insurance

law to facilitate internet enrollment of an employee who is a resident of this state and who is applying to be covered under a group life, health or annuity contract that has been issued to an out-of-state employer by an insurer that is otherwise not authorized to transact business in this state.

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Other Noteworthy Insurance Legislation Passed by NYS Lawmakers During 2014 con’t

Health Insurance Offering. (S.6960/A.9208) would allow the DFS

to permit health insurers to satisfy the requirement that they sell off the New York State Health Benefit Exchange the same policies that they sell on the exchange through another entity within the insurer's holding company system.

Life Insurance Disclosures. (A.9458A/S.4374A) authorizes the DFS

to develop an alternative to the disclosure requirements for certain life insurance policy provisions. Current law only allows such disclosure to be put forth in red ink, capital letters and 12-point font.

Life Insurance Guaranty Corporation. (A9915/S.7320) amends

the Insurance Law in order to eliminate the cap on assessments that may be imposed against member insurers of the Life Insurance Company Guaranty Corporation of New York (the "Corporation") and make other changes.

Accelerated Death Benefit. (S.6672A/A.8957A) expands the types of

end-of-life care that can be financed by an accelerated death benefit rider attached to a life insurance policy. End-of-life care would include care provided for by a long-term home health care provider, hospice or adult day care services or palliative care. Such long-term care would need to have been provided for at least three months or more, with the expectation that the beneficiary will continue to require such services until death.

Domestic Mutual Insurer Agreements. (S.3539A/A4833A) would

allow the DFS to permit a domestic mutual insurer to enter into certain into 43

Other Noteworthy Insurance Legislation Passed by NYS Lawmakers During 2014 con’t certain compensation agreements an insurance producer in which an officer or director has only an "indirect" pecuniary interest.

Workers’ Comp Board Reporting. (S.7693/A.9986) requires that

the state Workers' Compensation Board provide the New York City Employees' Retirement System with information relating to workers’ compensation benefits awarded to retirees whose pension benefit payments are subject to an offset.

Workers’ Compensation Providers. (A.5299B/S.2360B) Authorizes

licensed clinical social workers to treat injured employees under the workers' compensation program.

Telehealth coverage. (S.7852/A.9129) Requires insurers to cover

telehealth and telemedicine services.

Substance Abuse coverage. (S.7912/A.10164) is one in a package of

bills to address the growing heroin addiction problem. The bill requires insurers to use peer-reviewed, nationally recognized clinical review criteria when making decisions regarding the medical necessity of treatment. In addition, medical necessity decisions will be made by medical professionals who specialize in behavioral health and substance use. Individuals requiring treatment would have access to an expedited appeals process and would not be denied care while the appeals process is underway.

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Facebook Marketing Tip Frequent and Interesting Posts - If you fail to engage your audience on Facebook, nothing else on this page is going to work for you- period. If you don't post often, and your Facebook posts are boring, irrelevant, or self-serving, you WILL NOT SUCCEED at Facebook marketing. Fortunately there is an amazing free resource called The Facebook Content Dashboard that gives new content ideas for insurance agents every day. Just set aside 5 minutes 3-5 times a week to visit the site and look for something interesting, educational, funny, amazing etc. and post it to your agency facebook page.

Make things even easier and use Hootsuite so you can schedule your Facebook posts for the week or month.

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Earn CE From Your

Desk!

IIABNY Web CE is Here Login, listen, and learn from your own desk — all you need is a computer and Internet connection!

• • • • • •

Web CE courses are approved for continuing education credit by the NYS Insurance Department No test is required Online registration only Each participant must purchase their own seat and view from his/her own computer in order to earn CE credit Random attendance checks will be conducted Acknowledgement of attendance form must be completed

New Web CE classes are constantly being added so check the latest availability at

www.iiabny.org/edcalendar

Independent Insurance Agents & Brokers of New York, Inc. 5784 Widewaters Parkway, 1st Floor, Dewitt, NY 13214 • 800-962-7950 • www.iiabny.org

the Advertisers INSURANCE COMPANIES & MARKETS Magna Carta Companies Wanda Napolitano 1 Park Avenue New York, NY 10016 Toll Free: 1-888-ONE PARK Phone: 212-591-9500 Fax: 212-591-9621 NIF Group Michael Orlando, 30 Park Avenue Manhasset, NY 11030 Phone: 516-365-7440 Fax: 516-496-7356 Email: nwilliams@nifgroup.com www.nifgroup.com

INSURANCE SERVICES Pryor Personnel Agency Patricia Pryor Bonica 147 Old Country Road Hicksville, NY 11801 Phone: 516-935-0100 Fax: 516-931-7842 Email: ppryor1578@aol.com

RESTORATION SERVICES Belfor Property Restoration Gary J. Alexander 60 Raynor Ave. Ronkonkoma, NY 11779 Phones: 631-471-3131 x121 Fax: 631-471-2905

Quaker Special Risk Camille Windler 226 5th Avenue, 4th Flr. New York, NY 10001 Phone: 516 428 0716.

Fax: 732-223-9072 Email: salesattkr@aol.com

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SUFFOLK Big Eye INDEPENDENT INSURANCE AGENTS & BROKERS OF SUFFOLK COUNTY

IIABSC 150 Dartmouth Dr. Hicksville, NY 11801

Contact Us: info@suffolkagents.com

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