Trilines September/October 2014 by Injeanious Publishing

Sept/Oct 2014

Honoring Peter N. Resnick Executive Vice President Interboro Insurance Group

2014 Outstanding Company Executive Award

PRESIDENTS MESSAGE GOLF CLASSIC OCTOBER 9, 2014 HEARD AROUND TOWN [1]

FOOD FOR THOUGHT ON PROPERT MEET OUR NEWEST DIRECTORS

PRESIDENT’S MESSAGE

In the last couple of days I have started to see actual

conversa3ons popping up on Linked-‐in regarding drone insurance. Apparently, there is a client that ﬂies drones to take aerial photos for businesses like hotels, golf courses, real estate, etc. I men3on this since were all dealing with Cyber Security exposures and the never ending stream of news regarding autonomous cars.

Frank J. Elorza President

I bring up these stories since it’s more important than

ever to reach out and network with your fellow agents and carrier representa3ves. I know it’s easy to say that “it’s been a long week” or “I get a million insurance ar3cles” however we’re in a rela3onship business and we need to step back some 3mes and get out and meet with our peers in the insurance community.

Tri-‐County has a couple of events on radar that will give

you a great opportunity to get out of the oﬃce and network with your peers. We have a September bowling night in conjunc3on with Downstate Associa3on.

We are also looking forward to this year’s golf ou3ng on

October 9 at the Hempstead Golf & Country Club, a new venue for TriCounty. This year’s honoree is Peter Resnick Execu3ve Vice President Interboro Insurance Group.

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[4]

Don't forget to sign up now for NYiDay, one

of the largest Big I events in NYC in years. The date is October 28, 2014.

I also wanted to ask you to save the date December 10,

2014 for our Annual Holiday Party. I promise this will be a party that you will not want to miss. We plan on having an exci3ng casino event with plenty of prizes. We’re also very proud to men3on that we will have representa3ves from the United States Marines in a`endance conduc3ng a Toys for Tots Drive.

We look forward to seeing you at the upcoming events

and best wishes from the Tri-‐County Board.

Frank Elorza

President

[5]

PRESIDENT’S MESSAGE CON’T

[6]

Food for Thought on Property by Andrew Chong

Property seems to be one of the top lines of

business that generate errors and omissions claims frequently. Whether it may be due to failure to calculate or adjust the replacement cost of the building or due to substantial percentage of unoccupied units in the property. Agents and brokers should heed more attention when writing property. Property may be one of the easiest lines of business to write; however, it may be a double-edged sword.

One of basic errors and omission claims arises

from valuation of the property. It is shocking that number of brokers cannot distinguish diﬀerent types of valuation on the property. There are: 1) replacement cost, 2) actual cash value, and 3) functional replacement cost.

Replacement cost is defined as the cost to replace the property, new today,

with materials of like kind and quality. Replacement cost may not be applied for older buildings. This may cause problems for buildings throughout older cities like our own New York City. Buildings may be over one hundred (100) years old, but carriers may not be willing to oﬀer replacement cost because like-material may not be found or it will be more expensive to find the materials of like kind and quality. Some carriers actually gotten over this and oﬀers replacement cost on older buildings as long as they have updates within last fifteen years to thirty years.

Actual cash value is defined as replacement cost less the depreciation value.

The only diﬀerence between actual cash value and replacement cost is the

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depreciation. If your property is brand new, and has not had any depreciation, there is no diﬀerence between the two methods. Actual cash value is not the same as accounting depreciated value. Actual cash value is determined by first calculating the replacement value of the property. The next step involves estimating the amount to be subtracted, which reflects the building's age, wear, and tear.

Functional replacement cost is defined as the cost of acquiring another item of

property that will perform the same function with equal eﬃciency, even if it is not identical to the property being replaced. This may not be used widely in the industry; however, mostly this is used for older buildings built prior to 1900, which the construction material cannot be found and replaced.

Note that agreed amount is not a type of valuation. It is a provision that eliminates

co-insurance clause. Some people think that agreed amount or agreed value is a type of valuation. It is a provision that is used while the valuation is replacement cost to waive co-insurance on the property.

Which Valuation Method Is Best? No method is the best. Choosing the best

method is very circumstantial depending upon applicants’ situation. Clearly, replacement cost value is a preferred method. But, if the budget would not allow for this, applicants can get some of their buildings insured at ACV and others at replacement cost value. This approach will may be frugal, but involves assuming the risk for the diﬀerence between the ACV and the replacement cost value. If some buildings are functionally obsolete and the goal is to replace the square footage, consider insuring them using the functional replacement cost value option.

The best recommendation is to take some time to consider the diﬀerent valuation

options available for the accounts that can fit the accounts’ budget. Oﬀer various type of valuation and try to obtain a written statement that the applicant actually understood and selected the chosen valuation. Or the preferred recommendation is to provide replacement cost valuation with an attachment of agreed amount provision.

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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 [9]

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We were saddened to learn of the passing of Martin Simon, founder of Simon Agency, NY in Hempstead. Martin was a long time friend and supporter of our association. We extend our sympathy to his family and the folks at Simon Agency.

[11]

Golfing At Its Best! by James Bastian

Join us Thursday, October 9, 2014, at the

Hempstead Golf & Country Club,

Come and BE AMAZED by this incredible course

opened in 1921, designed by Peter Lees & A.W. Tillinghast.

Bring you friends and enjoy a wonderful day of

golf with other leaders from the New York insurance community ... Honoring Peter N. Resnick, EVP, Interboro Insurance Group, 2014 Outstanding Company Executive. Save the date, register early and enjoy ... a great course, great food, and a great event!

ALL PROCEEDS GO TO THE SCHOLARSHIP FUND AWARDING $10,000/YEAR TO LOCAL STUDENTS.

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INDEPENDENT INSURANCE AGENTS ASSOCIATION

Annual Golf Classic! Thursday October 9, 2014! New Location! Hempstead Golf & Country Club  60 Front Street   Hempstead, NY 11550! Honoring!

Peter N. Resnick! Executive Vice President! Interboro Insurance Group!

2014 Outstanding ! Company Executive Award

New Sponsorship Opportunity

Loc

atio n

Thursday October 9, 2014 Hempstead Golf & Country Club 60 Front Street Hempstead, NY !

____! Event Sponsor (1 only)!!

$ 5000.00

(This sponsorship includes a complimentary day of golf & dinner for 2 foursomes. Exclusive Dinner Sponsorship & Valet Parking Sponsorship, each with sponsorship signage and recognition at the podium.)

____! Golf Cart Sponsor (1 only)! !

$ 2500.00

(Exclusive Sponsor includes signage at the pickup location of the golf carts. Recognition from the podium.)

____! Caddy Sponsor (1 only)!

$ 2500.00

(Exclusive Sponsor includes signage at the pickup location of the golf carts. Recognition from the podium.)

____! Foursome Package Sponsor ! !

$ 1650.00

(Cocktail Hour Signage, Tee Sign, a full day of golf for 4 people. Recognition from the podium)

____! Dinner Package Sponsor !

$ 1120.00

(Cocktail Hour Signage, Tee Sign, dinner for 8 people. Recognition from the podium)

____! Double Eagle Package Sponsor!

____! BBQ & Beverage Sponsor (2 only)! !

____! Putting Green Sponsor (1 only)!

____! Driving Range Sponsor (1 only)!

____! Brunch Sponsor (1 only)!

____! Cocktail Hour Sponsor!!

____! Tee Sponsor!

$ 750.00

(Cocktail Hour Signage, Tee Sign, a full day of golf for one person Recognition from the podium)

$ 500.00

$ 400.00

$ 395.00

$ 275.00

(Includes: Signage & Recognition from the podium)

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New

Loc

Journal Opportunity!

atio n

Thursday October 9, 2014! Hempstead Golf & Country Club 60 Front Street Hempstead, NY!

Journal Opportunities! !

____! Back Cover (if available)!

$1,250.00 !

____! Inside Covers (Front or Back if available)!

$1,000.00!

____! Full Page! !

$ 600.00 !

____! Half Page! !

$ 350.00 !

____! Quarter Page !

$ 250.00!

____! Business Card!

$ 150.00!

! !

! ! All Sponsorships & Journal Ads Must be Received by September 19, 2014!!!

PLEASE SELECT THE SPONSORSHIP OF YOUR CHOICE AND RETURN THE FOLLOWING FORM WITH YOUR CHECK PAYABLE TO: TRI-COUNTY IIAA OR REGISTER ONLIN AT www.tricountyagents.com! MAIL TO: Jeanne Abatelli * 150 Dartmouth Dr. * Hicksville, NY 11801!

!! !

Sponsor Reply Form – TriCounty IIAA Golf Outing – October 9th 2014 ! Enclosed is a check for $___________ for the ____________________________ sponsorship. ! Your Name: _____________________________________ Company Name: _______________________________________! Address: ________________________________________________________________________________________________! Phone No._______________________________________________ Fax No.:________________________________________! Email Address: __________________________________________________________________________________________ !

! !

THIS FORM DOES NOT INCLUDE YOUR GOLF OR DINNER RESERVATION ! UNLESS IT IS INDICATED IN A PACKAGE SPONSORSHIP! [15]

Independent Insurance Agents & Brokers of America, Inc. 20 F Street, NW • Suite 610 • Washington, DC 20001 P: 202.863.7000 • F: 202.863.7015 • InsurPac@IIABA.net

Name:

Title/Occupation:

Business Name:

Address:

City:

State:

Zip:

Email:

Phone:

Suggested Contribution: $

I am a Young Agent

One-Time Payment (Check or Credit Card) $5,000 Millennium Club

$1,000 Centennial Club

$250 Pioneer Club

$100 Young Agent

$2,500 Platinum Club

$500 Gold Club

$150 Founders Club

(Other)

OR Monthly Payments (credit card withdrawal on the 15th of each month) Start Month: End Month:

/2014

$250 Month

$100 Month

$50 Month $25 Month

$10 Month $

Month

No end date Personal Check (payable to “InsurPac”) Credit Card:

American Express

Card Number:

VISA

Mastercard Exp. Date:

****All forms of payment must be by personal check, credit card or non-incorporated agency check. Authorized Signature:

Date:

Contributions or gifts to InsurPac are not deductible as charitable contributions for purposes of federal income tax. Federal law requires us to use our best efforts to collect and report the name, mailing address, occupation and employer for each individual whose contributions aggregate in excess of $200 in a calendar year. Your contribution should be considered strictly voluntary. [16]

TRI COUNTY SCHOLARSHIP AWARDS

Ken Hehir, IIAANC past president with award winner Lindsey Haynes and South Side High School guidance councilor Joanna Zweben

Two Tri-County scholarship programs were started many years ago in honor

of two outstanding leaders of our organization who had died long before their time. Each year, the Joel S. Pollack Memorial Scholarship oﬀers $2,500 to a high school graduating student for the best essay in a chosen topic usually dealing with driver safety. The award is sent to the winning student’s college after enrollment to assist with education and relating expenses. This year, the award went to Chelsea Hroch a graduate of Farmingdale High School.

The Stephen T. Dooley Community Service Scholarship award is presented to

a graduating student who has performed exemplarity community service during his or her years in high school. This award, also for $2,500, is mailed to the winner’s

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TRI COUNTY SCHOLARSHIP AWARDS con’t

chosen college for educational expenses after enrollment. The 2014 recipient was Lindsey Haynes of South Side High School. Certificates of appreciation were delivered to both high schools for presentations at the students’ awards ceremonies.

These scholarship programs have been so well received over the years

that the TriCounty Board of Directors expanded to another area of education. For the last 6 years, an additional scholarship has been awarded to the ‘best of the best’ students at St. Johns School of Risk Management in NYC. Five top students in either the junior or senior classes are chosen by the St.Johns education director and 1 or 2 winners are selected by the TriCounty education committee. Criteria includes a minimum GPA of 3.0 and majoring in insurance or

(l-r) Ryan Brown of Safeco with Scholarship Winner Beneventano, Rebekah Hanoussek-Monge of St. John's School of Risk Management, James Bastian & Robert Mackoul - TriCounty IIAA [18]

TRI COUNTY SCHOLARSHIP AWARDS con’t

an area of related study. Each student receives $2,500 for furthering education at St.John’s

This year, thanks go to our returning sponsor Safeco Insurance for their

ongoing support of this program. Our winner, Michael Beneventano had an exceptional resume and received a certificate of achievement at our installation dinner on June 5.

We, at TriCounty Independent Insurance Agents Association, plan to

continue these programs for as long as we can provide them as our own ‘community service’ to members and the public in our area.

ALL GOLF PROCEEDS GO TO OUR SCHOLARSHIP FUND EACH YEAR TRICOUNTY AWARDS $10,000 TO LOCAL STUDENTS IN HIGH SCHOOL & COLLEGE

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Auto | Home | Renters | Condo | Umbrella

Sense of

Partnership

Youâ&#x20AC;&#x2122;ll find a quality partner in us.

MAPFRE Insurance Company of New York is a leading auto and home insurer in part because of our strong partnerships with independent agents. These partnerships allow us to offer customers products and services they can trust with the financial stability and experience of a local industry leader. Connect with us today to see how MAPFRE Insurance can better serve you and your customers.

CONNECT WITH US!

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800.499.5646

MAPFRE InsuranceSM is a brand and service mark of MAPFRE U.S.A. Corp and its affiliate, MAPFRE Insurance Company of New York (Garden City, NY).

[20]

HEARD AROUND TOWN

I recently received an email from my mortgagee,

Wells Fargo Bank, advising me that I can get quick competitive quotes and bundled insurance savings from them – online or over the phone. Is selling personal lines insurance so easy that everyone from Walmart to Google is now advertising lower rates?

The only state that doesn’t allow car insurers to

use age, gender or length of driving experience when setting rates is…..Hawaii. They are also the 15th highest state for average auto insurance costs. Stephen Folan Past President 2009 - 2011

32 states have now adopted laws or regulations

that allow drivers to show proof of auto insurance with mobile devices during a traﬃc stop. Can NY be far

Joe Tunkel is a Past President of the IIAA of Nassau County. When Joe was the editor of the old Nassau publication, he wrote an article entitled, “Heard Around Town.” Recently, one of the TriCounty board members was discussing TriLines, and commented that he always looked forward to Joe’s article. We have decided to revive it here.

behind?

The National Insurance Crime Bureau (NICB)’s

annual “Hot Wheels” report examines vehicle theft data submitted by law enforcement to the National Crime Information Center (NCIC) and determines the vehicle make, model and model year most reported stolen in 2013. Overall, car thefts are down to their lowest point since 1967 and down 50 percent since 1991.

For 2013, the most stolen vehicles in the nation

(with the total reported stolen) were: [21]

(con’t p.10)

Honda Accord (53,995) Honda Civic (45,001) Chevrolet Pickup (Full Size) (27,809) Ford Pickup (Full Size) (26,494) Toyota Camry (14,420) Dodge Pickup (Full Size) (11,347) Dodge Caravan (10,911) Jeep Cherokee/Grand Cherokee (9,272) Toyota Corolla (9,010) Nissan Altima (8,892)

Nationwide is on your sideline

Nationwide Insurance announced said it has signed a three-year agreement

with the National Football League (NFL) to become an oﬃcial insurance sponsor of the league. The relationship kicks oﬀ this coming season and will run through the 2016 season.

As part of the agreement, Nationwide becomes a founding sponsor of NFL

Now, the league’s new digital video service that gives fans personalized reports NFL news and highlights over Internet-connected devices.As an oﬃcial sponsor, Nationwide Insurance will be able to feature the NFL shield and the collective marks of all 32 NFL teams in its national marketing and advertising campaigns. Insurance Journal

(con’t p.11)

[22]

Americans Clueless about LTC Expense

Is your agency marketing Long Term Care Insurance?

A new survey by The Associated Press-NORC Center for Public AďŹ&#x20AC;airs has

found that Americans 40 years or older often underestimate the cost of long-term care and overestimate the role of Medicare to pay for long-term care. Only 24 percent of respondents correctly estimated the monthly cost of a nursing home (up to $8,000 per month), 29 percent correctly estimated the monthly cost of an assisted-living facility (up to $4,000 per month), and 30 percent correctly estimated the cost of a part-time home health care aide (up to $2,000 per month), the survey found.

6.5 Million Homes from Maine to Texas at Risk for Storm Surge

More than 6.5 million homes along the U.S. Atlantic and Gulf coasts are at

risk of storm surge inundation, representing nearly $1.5 trillion in total potential reconstruction costs. More than $986 billion of that risk is concentrated within 15 major metro areas, according to a report by property data and analytics firm CoreLogic.

Florida ranks number one for the highest number of homes at risk of storm

surge damage, with nearly 2.5 million homes at various risk levels and $490 billion in total potential exposure to damage.

At the local level, the New York metropolitan area, which encompasses

northern New Jersey and Long Island as well, contains not only the highest number of homes at risk for potential storm surge damage (687,412), but also the highest total reconstruction value of homes exposed, at more than $251 billion. Insurance Journal [23]

â&#x20AC;&#x201C;

IIABNY SEMINAR CALENDAR – Remainder of 2014 CE Classes in Nassau, Queens and Suﬀolk Counties

Unless noted, the following seminars will be held at Four Points Sheraton, Plainview or LaQuinta Inn & Suites, Garden City. Four Points Sheraton is noted ‘Pl’ LaQuinta Inn is noted ‘GC’ 09/10/14 09/17/14 10/01/14 10/08/14 10/22/14 10/30/14 11/05/14 11/05/14 11/18/14 12/10/14

Social Media Ethics & others. .................................................................. (half day – am) GC NYAIP Certification Program ....................................................................(half day-am) Pl AAI 83-C Agency Mge., Tools & Processes ............................................(full day) Pl ACSR-6 Commercial Property ................................................................(full day) Pl Contracts, Add’l Insureds & Certs of Ins. ..................................................(full day) Pl AAI 83-A Principals of Agency Management ............................................(full day) Pl E&O Risk Management .............................................................................(full day) GC NYAIP Certification Program . ..................................................................(half day-am) Pl ACSR #1 Homeowners ...........................................................................(full day) Pl Using “SHOP” Marketplace ......................................................................(half day-am) Pl

The following seminars will be held at Adria Hotel, Bayside 11/14/14 NYAIP Certification Program .....................................................................(half day-am)

The following seminars will be held at Belfor Restoration in Ronkonkoma, 11/04/12 E&O Risk Management ……………...…………..........................................(half day-am)

For a complete schedule and registration form, log on to www.iiaany.org. Highlight the ‘Education & Events’ tab and select ‘Find A Class’. Registration forms are also available on line, or call IIABNY’s Education Dept. at 1-800-962-7950.

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New Hire Training powered by For IIABNY Members Only!

Introductory Packages Are Available

Select a specific curriculum package to train your new hire based on their individual needs and area of expertise. Audiovisual exercises and knowledge checks provide an interactive learning experience giving the new hire a jump-start. Purchase of each package provides 4 month access to the curriculum selected.

For more information and to get started contact Kathy Lawler | IIABNY Assistant Vice President of Education 800.962.7950 x218 | klawler@iiabny.org

Online learning is ideal for new hires and job changers and is an excellent way to fit coverage education into the workday. Our new hire training is on-demand, interactive, cost-effective and measurable!

Purchase of each package provides 30 day access to the selected modules. When you get hooked (and we know you will), the price of each intro package will be credited towards the purchase of the Full Curriculum when purchased before the end of your trial period.

Commercial Insurance Curriculum

Personal Insurance Curriculum

The Commercial Lines Coverage Basics™ curriculum addresses key insurance topics, core coverages and risk management. This curriculum is an ideal learning experience for new staff (sales, service, underwriting or administrative) and includes ‘knowledge checkpoints’ to support concept acquisition and retention.

The Personal Lines Coverage Basics™ curriculum addresses key insurance topics and core coverages. The curriculum includes ‘knowledge checkpoints’ to ensure the acquisition and retention of key concepts. • •

8 Personal Lines Courses 5 General Insurance Topics

The Commercial Coverage Challenge is also included in this series. • •

The combined Commercial Lines and Personal Lines curriculum offers both coverage curriculums and the Commercial Coverage Challenge™ at a significant pricing discount. It includes all Introduction to Insurance, Commercial Insurance and Personal Insurance professionallydesigned courses. Commercial and Personal Coverage Challenges are also included! • • •

20 Commercial Lines Courses 5 General Insurance Topics

Essentials for CSRs and Account Managers

20 Commercial Lines Courses 8 Personal Lines Courses 5 General Insurance Topics

Manager’s Series

The Manager’s Series contains courses helpful to both new supervisors and experienced managers. The Recruiting and Hiring Series contains three modules with step by step guidelines for recruiting talent. HR Essentials™ such as Human Resources Risk Management for your Firm, Employee Retention and Performance Management are topics required for every manager guiding a team or running an office today.

The Essentials for CSRs and Account Managers online curriculum includes Business Skill courses (topics include Establishing Credibility, Communication Skills, Business Writing, Negotiation Skills, Customer and Relationship Management and Agency Errors and Omissions Prevention). •

Commercial and Personal Insurance Coverage Curriculum

12 Essentials for CSRs and Account Managers Courses

•

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5 Manager’s Series Courses

Christopher Wukovits New TriCounty Director

Newly Elected Tri-County Director Christopher

Wukovits of AAA New York Insurance Services, Inc. of Garden City has been in the insurance industry for over 16 years.

He began his career 1998 in the independent

agency system as a sales agent and was quickly promoted to management. In 2002, he left the agency to pursue and opportunity to work at the start-up NYAIP carrier AutoOne. Chris worked there for almost 10 years and in 2010 after a short stint at St. Johnâ&#x20AC;&#x2122;s University as the Manager of their Call Center reunited with his old boss at AAA New York Insurance, where he is the Agency Manager responsible for the Sales and Service.

He is very excited to be part of the Tri-County Board and serve with a great

group of insurance professionals. Chris, his wife and two children live in Bayside. Chris strangely loves to read insurance policy forms and endorsements, play golf and spend time with his family.

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[27]

[28]

Neil Levy New TriCounty Director

Unlike many others in the independent insurance

channels, Neil Levy entered the industry fairly recently. He began a career in Public Accounting specializing in the Hedge Fund and Financial Services industry before joining CBS Coverage Group in 2008.

Neil Levy is the President of CBS Coverage

Group, a large independent agency that recently joined Assured Partners in April of 2014. In addition to his general industry knowledge, his extensive career on Wall Street over 15 years has provided him with the expertise and knowledge to found CBSâ&#x20AC;&#x2122;s Financial Institutions Risk Group. This group is focused on Professional Liability coverage for financial institutions.

He was the president and founder of Highpoint Capital Advisors, LLC., an

investment limited partnership and has held diverse positions within the investment industry including as an equity analyst at boutique investment bank, Needham & Co., and as a controller at Cantor Fitzgerald in Manhattan

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Neil is a Certified Public Accountant (CPA) and a Certified Financial Plannerâ&#x201E;˘

(CFP). He received his B.S. in Accounting from Lehigh University in 1993 and earned his MBA from New York University's Stern school of Business in 2000.

Neil is a member of the Chartered Financial Analyst (CFA) Institute as well as

the New York State Society of Securities Analysts and has been the feature of published articles in Hedge Fund Manager Weekly and Florida Trend Magazine..

Neil is a Registered Principal and an Investment Advisor Representative with

FINRA.

Neil is involved with numerous charities including Community Mainstreaming

Assoc. (CMA), Little Village School and the UJA. He resides on Long Island with his wife Robyn and three children.

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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

Long Island Insurance Community Save the Date You are cordially invited to share in the spirit of caring at the 20th Annual

Long Island Insurance Community Gala The Premier Insurance Industry Event in the Metropolitan Area Carlyle on the Green Bethpage State Park September 22, 2014 5:30 to 9:30 p.m. Honoring J. Douglas Robinson Chairman of the Board and Chief Execu3ve Oﬃcer U3ca Na3onal Insurance Group For more informa3on contact: Lois Grant at 631.940.3746 lgrant@unitedwayli.org visit www.l-‐i-‐i-‐c.org

LIIC 20TH ANNIVERSARY RAFFLE PACKAGES RAFFLE TICKET PRICE EACH PACKAGE $50 (ONLY 100 TICKETS IN EACH PACKAGE WILL BE SOLD)

GOLF LOVER’S DREAM THREESOME: GLEN OAKS COUNTRY CLUB, OLD WESTBURY, NY THREESOME: NORTH HILLS COUNTRY CLUB, MANHASSET, NY THREESOME: NISSEQUOGUE GOLF CLUB, ST. JAMES, NY

NEW YORK CITY PACKAGE MARIOTT COURTYARD HERALD SQUARE—OVERNIGHT STAY (FRIDAY, SATURDAY OR SUNDAY) TWO TICKETS TO HELEN HAYES THEATRE—ROCK OF AGES DINNER AT WOLFGANG’S STEAKHOUSE—41st ST. CAR SERVICE TO AND FROM NEW YORK CITY

LONG ISLAND’S EAST END OVERNIGHT STAY AT THE HOTEL INDIGO RIVERHEAD 60-MINUTE COUPLES MASSAGE DINNER FOR TWO AT BISTRO 72 NORTH FORK WINE TOUR WEEKEND CONVERTIBLE CAR RENTAL FROM ENTERPRISE CONTACT INFORMATION return form to L. Grant, United Way of LI, 819 Grand Blvd. Deer Park, NY 11729 OR lgrant@unitedwayli.org Contact Name: Company:

Address: City

State

Zip Code

Phone Email METHOD OF PAYMENT Check enclosed Make payable to the ‘United Way of Long Island MasterCard VISA AMEX

Credit Card Number Name on Card

Amount $

Signature

Exp. Date

5K Run/Walk sponsored by

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

*ODMVEFT 5 4IJSU 5JNF $IJQ 3BDF /VNCFS

-BUF 3FHJTUSBUJPO BGUFS

%PFT /PU *ODMVEF 5 4IJSU 2013! WISH GRANTED in Make-A-WishÂŽ grants wishes to children with life-threatening medical conditions to enrich the human experience with hope, strength, and joy. Join us for this celebration of all thatâ&#x20AC;&#x2122;s possible through a Make-A-Wish experience and help us share the power of a wishÂŽ. Your participation helps us reach toward our vision of granting the wish of every eligible child.

runsignup.com/walkforwishes View more details on course and event info

told Douglas that he The Fairy Godmother e Disney characters orit fav his et will soon me ney World! Dis in on his wish

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. Childrenâ&#x20AC;&#x2122;s Small

Childrenâ&#x20AC;&#x2122;s Medium

Childrenâ&#x20AC;&#x2122;s Large

Adult Small

Adult Medium

Adult Large

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$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)________________________________

WORD ON THE STREET

“Build It and They Will Come” Doesn’t Apply

Jamie Deapo IIABNY Member Advocate & AVP of Membership and Member Programs jdeapo@iiabny.org 800.962.7950 x232

I regularly get pushback from members who either don’t want to use social media or are using it with very little documentable results. Unlike the movie Field of Dreams, agencies who build awesome websites, blogs and Facebook pages are not guaranteed the traffic they want and expect. Social media does not always create specific new business activity and agencies shouldn’t rely on it to do so. But, the benefits of being active are surely there. Social media can be a good way to get name recognition. It also can help consumers to learn who you are and your business philosophy. It can convey your value proposition and you can make it tangible by posting testimonials from your clients. Sometimes it may even lead to writing new coverage. Understand that social media success doesn’t happen overnight. It takes time, consistency and a little creativity to drive your clients and prospects there. We can provide help with starting and implementing the process. Once it does take hold and you are getting a consistent level of visitors - your reach expands exponentially as visitors start sharing information from your site with their friends who may also

share to their friends and so on. Not interested in social media? That’s definitely your perogitive. My question to you is how are you reaching out to clients and prospects? Are they engaging with you and sharing information about you with their friends? Is your outreach successful in driving clients and prospects to you for insurance? What’s the age of those you reach and are you missing the younger consumers that everyone sites as the top users of social media (FYI - It’s not just young people using social media) Let’s not lose sight of our objective - to be recognized as a professional, community based resource for providing insurance protection and getting the opportunity to provide that protection for your current clients as well as prospects. It’s not how you do it, it’s how effective are you at doing it. Social media is a great tool to help accomplish this. The decision is yours.

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

Note your calendar now to attend this big event. ********************************** TriCountyâ&#x20AC;&#x2122;s Annual Holiday Party will take place on WEDNESDAY December 10, 2014 DETAILS TO FOLLOW At the Chateau Briand Carle Place, NY

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

Phone (516) 935-0100

OFFICERS & DIRECTORS OFFICERS President Frank J. Elorza felorza@clubagency.com Club Agency 1051 Franklin Avenue Garden City, NY 11530 516-873-2387 fax: 516-742-70711 Vice President Peter Phillips pphillips@phillipsbrokerage.c om Phillips Brokerage, Inc. 37-19 Broadway Astoria, NY 11103 718-545-4700 fax: 718-545-8531 Treasurer Adam P. Erickson Carlstan North Hills Agency adam@carlstan.com 261-20 Hillside Avenue Floral Park, NY 11004 718-343-6450 Secretary James G. Bastian jamesb@apiagents.com Advantage Partners, Inc. 37-19 Broadway Astoria, NY 11103 347-721-9839

Immediate Past President Robert E. Mackoul, CLU remackoul@mackoul.com Mackoul & Associates 25 Nassau Lane Island Park, NY 11558 516-431-9100 fax: 516-431-4641

DIRECTORS Dean S. Aloia daloia@aloiamckinnon.com Aloia McKinnon Ins. Brokerage. 7801 Fifth Avenue Brooklyn, NY 11209 718-836-8000 x 310 Ronald Brunell, CIC rbrunell@bbcoverage.com B&B Coverage, Ltd. 1 East Lincoln Avenue Valley Stream, NY 11582 516-872-2300

Andrew Chong andrew@hduco.com HD Underwriting Agency Inc. 159-15 Northern Blvd Suite 102 Flushing NY 11358 718-359-2003

Alex Giraldo agiraldo@clubagency.com Club Agency 1051 Franklin Avenue Garden City, NY 11530 516-873-2443 Neil Levy, CPA, CFP CBS Coverage Group, Inc. 111 Express Street Plainview, NY11803

(516) 938-9000 Chris Wukovits cwukovits@aaany.com AAA of NY Ins. Services, Inc 1415 Kellum Place Garden City, NY 11530 (516) 877-5219

OTHER POSITIONS TriCounty IIAA Executive Director Patricia Calvert 132 Peachtree Lane Roslyn Heights, NY 11577 calvertpc@aol.com 516-621-2209 Tri-Lines Publisher Jeanne Abatelli 150 Dartmouth Drive Hicksville, NY injeanious1@optonline.net 516-681-6265 TriCounty IIAA Director of Sales Jeanne Abatelli 150 Dartmouth Drive Hicksville, NY injeanious1@optonline.net 516-681-6265

IIABNY Positions Chair of the Board James D. Sutton, CPCU, AAI, CIC jsutton@suttonins.com James F. Sutton Agency, Ltd. 143-149 Main Street East Islip, NY 11730 631-446-3165 IIABNY President & CEO Richard A. Poppa, CAE, AAI dpoppa@iiabny.org IIABNY 5784 Widewaters Pkwy Dewitt, NY 13214 800-962-7950 516-568-0800

Regional Director (L.I.) Kevin R. Crossley kcrossley@aaany.com AAA of New York Insurance Services, Inc. 1415 Kellum Place, Unit A Garden City, NY 11530 516-873-2256

Committees 2014- 2015 Communications, Public Relations & Website Chris Wukovits - Chair, Ron Brunell, Alex Giraldo, Andrew Chong, Neil Levy, Jeanne Abatelli

Downstate Ron Brunell, Frank Elorza, James Bastian

Scholarship Andrew Chong & Peter Phillips - Co- Chairs, Eileen Black, Pat Calvert

IIABNY Liaison & Member Services Alex Giraldo - Chair, Frank Elorza, Adam Erickson, Kevin Crossley, Pat Calvert

Legislation and InsurPac Dean Aloia and Bob Mackoul - Co-Chairs, Peter Phillips , Chris Wukovits, Steve Folan

Meetings & Programs Ron Brunell, Chair, Adam Erickson, James Bastian, Dean Aloia, Neil Levy, Steve Visco, Jeanne Abatelli, Pat Calvert

Golf Outing "

Bob Mackoul, Chair, Frank Elorza, Kevin Crossley, James Bastian

Installation Dinner "

Peter Phillips, Frank Elorza, Jeanne Abatelli, Pat Calvert

Next Gen Adam Erickson and Neil Levy â&#x20AC;&#x201C; Co- Chairs, Andrew Chong, Alex Giraldo

Sponsors & Advertising Jeanne Abatelli, Chair, James Bastian, Alex Giraldo

Tri Lines Jeanne Abatelli, Chair, James Bastian, Chris Wukovits, Pat Calvert

Tri-County members are invited to join a committee of their choice. Please contact a committee member or Pat Calvert 516-621-2209 calvertpc@aol.com for details.

Advertisers Insurance Companies & Markets Magna Carta Companies Lou Masucci 1 Park Avenue New York, NY 10016 Toll Free: 1-888-ONE PARK Phone: 212-591-9500 Fax: 212-591-9621 www.mcarta.com Morstan General Agency Inc. Bob Birner 600 Community Drive PO Box 4500 Manhasset, NY 11030-4500 Phone: 516-488-4747 Fax: 516-437-5050 www.morstan.com New Empire Group 214 W Park Avenue Long Beach, NY 11561 Phone: 866-431-8100 Fax: 516-431-5351 www.newempiregroup.com NIF Group Michael Orlando Nancy Williams 30 Park Avenue Manhasset, NY 11030 Phone: 516-365-7440 Fax: 516-496-7356 nwilliams@nifgroup.com www.nifgroup.com

Program Brokerage Corp. Gary Shapiro, Derek Donnelly 100 Sunnyside Blvd. Woodbury, NY 11797 Phone: 516-496-1346 Fax: 516-496-1359 www.programbrokerage.com 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 www.qsr-insurance.com VANE Excess & Surplus, Inc. Anthony Cacioppo 103 Fort Salonga Rd, Ste 4 Northport, NY 11768 Phone: 631-366-5353 Email: Anthony@VANEIns.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 www.ppryor.com

Restoration Services BELFOR Gary J. Alexander 60 Raynor Ave. Ronkonkoma, NY 11779 Phone: 631-471-3131 x121 Fax: 631-471-2905 Great American Restoration Services, Inc. David Pinto 2623 N. Jerusalem Rd. East Meadow, NY 11554 Phone: 516-783-5053 Fax: 516-783-5054 Email: DAVIDPINTO@GARSINC.COM www.damagerelief.com

VISIT US AT WWW.TRICOUNTYAGENTS.COM