South Carolina Spring 2017 by PHCC-WI

SOUTH CAROLINA Agent & Broker SPRING 2017

2017 Young Agents Conference Preview Post-Flood Homeowners Questions Can I Fire a Customer?

JSA writes sunscree n viewfinders and other hot risks.

Spring 2017

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

Contents

IIABSC Staff

G. Frank Sheppard, AAI, CAE President ext. 1239 or 803.760.1239 fsheppard@iiabsc.com Rebecca H. McCormack, CPCU, CIC, AAI Vice President ext. 1238 or 803.760.1238 bmccormack@iiabsc.com Beth Chastie Vice President of Administration & Finance ext. 9462 or 803.731.9462 bchastie@iiabsc.com Laura D. Cornell, CIC Director of Insurance Programs ext. 1227 or 803.760.1227 lcornell@iiabsc.com Megan Huebner Director of Events & Membership ext. 9463 or 803.731.9463 mhuebner@iiabsc.com Anita J. Trevino Director of Communications ext. 1237 or 803.760.1237 atrevino@iiabsc.com Megan Thomas Education Coordinator ext. 1219 or 803.760.1219 mthomas@iiabsc.com Tracy Guyette Administrative Assisstant/ RLI Contact ext. 9641 of 803.731.9461 tguyette@iiabsc.com

South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising in this publication or the views of its writers. Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Carolina Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher cannot assume responsibility for claims made by advertisers, content provided by the editor, or for the opinions expressed by contributing authors. For more information on advertising, contact Eric Johnson, Blue Water Publishers, LLC, 9406 N. 107th St., Milwaukee, WI 53224 414-708-2059 / fax: 414-354-5317 eric@bluewaterpublishers.com

South Carolina Agent & Broker • Spring 2017

Message from the Chairman of the Board Message from the National Director 2017 Young Agents Conference YA Conference Speaker: Nicholas Ayers YA Conference Speaker: Rodney L. Smith 2016 InsurPac Contributors Post-Flood Homeowners Questions Can I Fire A Customer? Big “I” Markets FAQs Top 5 Reasons to Register for Big “I” Markets Big “I” Markets South Carolina Product Availability Palmetto Partners Save the Date: IIABSC Coming Events IIABSC Education & Events Calendar Welcome New Members Member News 2017 Board of Directors and Executive Committee

6 8 10 11 12 14 16 20 22 22 26 28 30 32 40 41 46

Advertiser Index Access Home Insurance

Allstar Financial Group

42, 43

Jackson Sumner & Associates

Lighthouse Property Insurance

Amalgamated Ins. Underwriters

M.J. Kelly of North Carolina

Anderson and Murison

Motorists Insurance Group

Assure Alliance

National Security Fire & Casualty 41

Berkley Southeast

Patriot National

Berkshire Hathaway GUARD Ins

Preferred Specialty

Builders Mutual Insurance

Risk Innovations

Burns & Wilcox

Risk Placement Services

Centauri Insurance

SCHBSIF

Contractor Connection

Southern Insurance Underwriters

Genesee General

Summit 40

ISU Agency Network

UPC Insurance

JM Wilson

About cover: [Photo credit: ©Zeiss4Me¶iStock Photo] Springtime in downtown Charleston, SC, where horse-drawn carriages are a regular part of the scene.

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IIABSC Chairman of the Board

Scott Moseley

PROFESSIONAL DEVELOPMENT FOR ALL STAGES

reetings, I hope that 2017 has been good to you so far. Over at IIABSC headquarters there are quite a few things going on, just to name a few: • We’re in the middle of the state legislative session (where we’re keeping an eye on a few bills of interest for you); • We’ve just launched a new group insurance trust with long-time partner BlueCross BlueShield of SC and can now offer very competitive association health plans; • Renovations have begun on our 36-year-old building, expected to finish late this summer; •

We’re wrapping up our statewide fingerprinting special events where members set appointments to get their state-mandated fingerprinting completed and submitted to the SCDOI before their producer licensing renewal dates. Events have been completed in Anderson, Charleston, Columbia and Greenville with only two remaining in Myrtle Beach and Hilton Head areas.

The Board and I are incredibly proud of our professional development program, having been awarded the Diamond Award for Education Excellence by our national association five years in a row. The award program evaluated Big “I” state education programs for relevant content, professionalism, collaboration, innovation, technical resources and overall excellence. This year brings several improvements to our lineup that we think expands your professional development options for all stages in your agency. New on-demand online employee training series for the beginner. On demand means that you can start when they do. You won’t have to wait for weeks or even months for the start of the next scheduled cycle. Since courses are online they can be done from the agency office or offsite. Audiovisual exercises and knowledge checks provide an interactive learning experience that is also cost effective and measurable, as you can view your new hire’s progress. There are several packages that include variations on three options: Introduction to the Insurance Industry, Commercial Lines Basics and Personal Lines Coverage Basics. New classroom E&O Roadmap to Policy Analysis for intermediates. Most professional designation programs do a good job of training on technical insurance coverage, but little training is done to help seasoned professionals be more adept at policy analysis and comparison. As a result, coverage denials, missed opportunities, damage to professional reputations, lost clients, bad faith and E&O claims result that could have otherwise been avoided. Our new E&O loss control seminar is designed to guide experienced professionals step-by-step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. This course qualifies agents for 10 percent loss control credit on their E&O policy through IIABSC.

South Carolina Agent & Broker • Spring 2017

New CIC Commercial Multiline Institute and on-demand online Emerging Leaders training series for the advanced. CIC gives practical and relevant knowledge to keep professionals more competitive in meeting the changing needs of clients and the industry. To earn the CIC designation, participants attend five institutes and pass a closed-book exam after each. All CIC Institutes assume that you have prior knowledge of the material being covered, and requires you to have at least two years’ experience in the industry. As anyone holding the designation can tell you, these exams are no joke. Questions are not multiple choice. They are essays, but questions are exclusively from the content covered in class. To help those pursuing and renewing their CIC designation to customize their experience, we are holding our first Commercial Multiline Institute Aug. 16-18 in Charleston. It covers many important multiline exposures such as BOP, commercial inland marine, criminal, cyber, employment practices and excess liability. If you have any new managers in your agency, we also offer an ondemand, online Emerging Leaders series to aid in the training of new managers. Topics covered include hiring & recruiting, human resources, performance management and effective coaching techniques. Just like the new employee training, courses are interactive, cost-effective and you can view the user’s progress. On-demand ABEN webcasts for all stages. We’re very proud of the range of our webcast catalog through ABEN, a unique platform that offers an unequaled visual experience of the instructor, inter-active virtual classroom alongside presentations and other supporting materials. These online options have always allowed you to earn CE credit in the comfort of your home or office with no test or proctor required. Now those who place less emphasis on real-time interactivity with instructors have the option to take just about any of our regular ABEN courses in your own time using the on demand option. You can still send all your questions to instructors, they just may not be answered the same day. Young Agents Conference for those 40 and younger. Are you properly nurturing the growth of your young agents? They have learning habits and development needs that may be significantly different from the others in your agency. Most importantly, they gain a huge benefit from interacting with other young agents. IIABSC’s Young Agents program focuses on the specific needs and interests of those agency employees who are age 40 and younger with an annual conference just for them in the summer. This year’s conference will be held Aug. 10-13 in Hilton Head, featuring the (US) Southeast Region Director for Lloyd’s of London as well as a young agent who has incorporated video into almost all his communications with clients. Please join us. (Yes, I’m not ashamed to admit that I’ve passed the 40-yearold mark, but still attend the Young Agents Conference every year.) As you can see, IIABSC’s education and professional development team has been working hard to help you achieve excellence through education. Remember that excellence doesn’t just happen. It requires that you know your individual customers and your product, and our programs provide you with the opportunities and resources to achieve excellence in what you do. Learn more about all these programs on our website, www.iiabsc.com.

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National Director Jules Anderson, AAI

n early May, several of us among the IIABSC leadership will be flying to Washington, D.C., to participate in the annual Big “I” Legislative Conference, where independent agents from around the country rally upon Capitol Hill to educate their Congressmen on issues important to you and your clients. You can expect a recap of the event with photos in the next issue as always, but you can also expect a major topic of our discussions to revolve around the National Flood Insurance Program (NFIP) expiration this September. Getting another long-term reauthorization of the flood program is of course a priority of our national government affairs team, and we have confidence in our position at the start of the process. InsurPac, a major tool in our national government affairs program that allows us to contribute to the election campaigns of legislative candidates, set records last year in terms of our success ratio (95 percent) in the races in which it played, distributing more than $2.1 million. There is a list of all those who contributed to InsurPac in South Carolina starting on page 14. We consider your support to be your personal investment in our government affairs program and offer each of you the sincerest of thanks from all of us at IIABSC. Of course those contributions don’t directly translate to votes, but they get us in the door to explain our position, which is that the Big “I” strongly supports a reformed and modernized continuation of the national flood program. Suggested reforms include risk-based rating where appropriate, modernized mapping, increased use of private reinsurance and additional mitigation. The Big “I” also supports allowing the private market to offer flood insurance as a complement where appropriate, but not a replacement to the NFIP. We endorse the “Flood Insurance Market Parity and Modernization Act,” which ensures that consumers can move smoothly between the private market and NFIP without penalty. We don’t expect the NFIP reauthorization to sail through without any opposition however (not that anything does). FEMA had to borrow $1.6 billion from the U.S. Treasury to help cover its more than $4 billion losses in 2016, a year that brought $17 billion in overall flood losses. Members of Congress are going to be more conscious than ever of ways to relieve pressure on the program. They will be taking a close look at the rating structure as well as ways to reduce expenses. As we meet with our SC delegation, we’ll be sure to talk about the role of agents in selling NFIP policies and their fair compensation. To follow our progress with the NFIP reauthorization and the Modernization Act, bookmark the IIABA Flood Insurance Issues page in the Government Affairs section (independentagent.com/governmentaffairs/ Issues/NFIP.aspx). After all this talk about flood, I’d also like to remind you that the Big “I” Virtual University (iiaba.net/vu) has a Disaster Planning Resources and Web Links page that contains various disaster planning and recovery guides from industry, government and nonprofit source as well as NFIP statistics, flood maps, coverage summaries, quoting tools and insurance manuals.

South Carolina Agent & Broker • Spring 2017

There are several weather-related tools and resources such as live satellite feeds, hurricane impact studies and links to the National Weather Service and Tornado Project. It also has several earthquake resources including a home preparedness guide and links to the U.S. Geological Survey Information Center and Hazard Program. To build on Scott’s column, the Big “I” Virtual University is another service of your membership offering educational resources for the variety or roles, stages and learning styles within your agency. It is a members-only website that gives users access to hundreds of articles on insurance coverage and agency management, links to select ISO forms with explanations as well as free consumer articles for your agency website or newsletter. If you still can’t find guidance with your issue or you need clarification, the Ask an Expert service allows you to send questions to the VU Faculty. If you need in-depth explanations on certain topics, there is a library of recorded webinars and transcripts for you to explore, with more topics added every month. Most are for purchase, but those topics considered most important for all members (certificates of insurance, “where you reside” issues, competing with direct writers, cyber exposures) can be downloaded free. Get started today at iiaba.net/vu. You will need your IIABSC website login. Email atrevino@iiabsc.com if you need assistance.

VU 2017 live webinar schedule iiaba.net>Education>Webinars

May 10: Are You Insuring All the Right People? (CGL and BAP) June 14: Untangling the Work Comp Mess - Part 2 of 2 July 19: Contractual Risk Transfer, Additional Insureds, and Primary and Noncontributory Requirements Aug. 23: When (and Why) Partial Losses Become Total Losses (CPP) Oct. 11: Business Income - Part 1 of 2 Nov. 15: Contractors Protective Professional Indemnity: Filling gaps you didn’t even know you had (CGL and CPPI) Dec. 20: Business Income - Part 2 of 2

“ACCESS HOME INSURANCE WAS THERE FOR ME IN MY TIME OF NEED. THEY TOOK CARE OF ME AND I THANK THEM FOR THAT.” —Chantelle Riser, Homeowner On the evening of April 30, 2014 Chantelle Riser was awakened by a booming noise. “I got up and I could just see fire and smoke. I was grateful no one else was home with me. I ran out the door and a passerby said, ‘Ma’am I just called 911.’ In a matter a minutes, all this damage was done to the home and everything was gone.”

“I phoned Access Home on Sunday, they located my policy and an adjuster was here at 7:00 Monday morning. Access Home came out, they gave me emergency money. The found me a house, with the same number of bedrooms, so I was comfortable, right around the corner in the same neighborhood. They paid the rent until my house was finished.”

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Aug. 10–13 CONFERENCE

Marriott Resort & Spa Hilton Head Island, SC

A conference especially for your agency’s employees age 40 or younger to support their interests and development needs in the areas of leadership, sales, relationship building and participation in the political process as well as the more technical aspects of the industry.

Registration opens May 1

Thursday, Aug. 10 2:30–4:00 pm 4:00–6:00 pm

Exhibitor set-up Registration Open/Welcome Reception

Friday, Aug. 11 Breakfast in Exhibit Hall CE SESSION w/ Rodney L. Smith, CIC, CRM Lloyd’s, Southeast Region Director 10:45–11:30 am Break/Networking in Exhibit Hall 11:30 am–12:30 pm Concurrent Breakout CE Sessions: - Producer/CSR Communications - Leadership Panel: Q&A w/ IIABSC Board - Roadmap to Policy Analysis 12:30 pm Free time/ Lunch on own 2:00–5:00 pm Optional Activity, TBD 8:00–9:00 am 9:00–10:45 am

Saturday, Aug. 12 8:00–9:00 am 9:00–10:15 am 10:15–11:00 am 11:00 am 11:00 am–Noon Noon 1:30–4:30 pm 7:00–10:30 pm 7:00–11:00 pm

Breakfast in Exhibit Hall CE SESSION, w/ Nick Ayers i80 Insurance Solutions, CFO Break/Networking in Exhibit Hall Exhibitor breakdown Insurance Trivia Free time/ Lunch on own Networking/Team-Building Beach Games Children’s Program Dinner and Entertainment

Sunday, Aug. 13 8:30–9:30 am

Grab & Go Breakfast/Departure

VView full, up-to-date agenda at

www.iiabsc.com

South Carolina Agent & Broker • Spring 2017

2017 Young Agents Conference Speaker Nicholas Ayers, CIC, CRM Owner, i80 Insurance Solutions (California)

Killing the Video Marketing Game

f you attended last year’s conference and enjoyed the Agency Nation presentation on using video and social media to engage and educate consumers, then Nick Ayers is another person you’ll definitely want to meet. He comes highly recommended by last year’s presenters as an independent agent who is “absolutely killing the video marketing game.” It’s because Nick doesn’t just use video to attract new clients and communicate with existing ones en masse. He also uses it to engage prospects and existing clients one-on-one. “Video allows me to showcase something that I couldn’t showcase in written form. And that’s personality. A human, authentic feeling.” After meeting with a client or prospect, Nick whips up a quick summary of their conversation (assuring them that only they have access to the video) and emails it to them with a copy of his proposal and a screenshot of the video linked to its embedded location online. One of his favorite video tools, which you will probably hear about in his Saturday morning session, does double duty as new client orientation and a method for restoring human connection to a professional environment where people don’t see each other often. He calls it “The Welcome Kit Video.” In it, he introduces the staff members they need to know and explains their roles in the agency. In conclusion, he reminds them of all the different coverage needs his agency can offer (auto insurance, home insurance, life insurance, business insurance) and asks for a referral. The Welcome Kit Video is an example of videos you can create and send to clients that aren’t necessarily customized and personalized to them. Who has time to make a different video for every client you’d like to cross-sell? Nick has different videos for different situations such as those without homeowners and auto policies bundled, those without life insurance, those who

requested a quote and then never responded, even as an email signature! Watch all of Nick’s videos as well as a behind-the-scenes look at his video studio with equipment tips and setup at on Agency Nation’s The Only Insurance Video Marketing Guide You’ll Ever Need – (agencynation.com/insurance-videomarketing/) and join us at the IIABSC Young Agents Conference Aug. 10-13 in Hilton Head. Registration opens May 1 and is free for first-time agents with special early registration discounts for returning agents. For the best preview of what you can expect, watch him being interviewed by one of our conference speakers last year, Sydney Roe of Agency Nation at agencynation.com/insurancevideo-marketing.

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Spring 2017 • South Carolina Agent & Broker

2017 Young Agents Conference Speaker Rodney L. Smith, CIC, CRM Southeast Region Director, Lloyd’s of London

A Great Need for Young Talent in the Insurance Industry

he United States is Lloyd’s largest market, contributing approximately 41 percent of gross written premiums globally in 2015. Lloyd’s is eligible to write surplus lines and is an accredited reinsurer in all U.S. states and territories. Lloyd’s is also a licensed insurer in Illinois, Kentucky and the U.S. Virgin Islands. Lloyd’s is a leading provider within the Excess & Surplus market with 21 percent of all surplus lines direct written premium nationally attributed to Lloyd’s, and over 34 percent in South Carolina.

the insurance industry in finding ways to help manage risks around the latest advancements including new energy sources, cyber risks, space activities, cutting-edge technologies, political unrest, supply chains and more.

For more than 300 years, Lloyd’s has provided insurance for organizations of all sizes. From start-ups to small and mediumsized enterprises, national governments and multinational corporations, our customers are vital to the sustained growth of our global economy. Lloyd’s capital base has increasingly diversified across the globe allowing companies and governments to transfer their risks and build resilience in the face of increasingly devastating catastrophic events.

joining Lloyd’s, I served for almost seven years as the Eastern Seaboard Vice President for ICAT. My Insurance industry experience includes over 30 years with companies including XL Capital and AIG, as well as my original training as a property underwriter for Aetna.

The specialist underwriting expertise offered through the Lloyd’s market has led to many firsts. The first automobile, aircraft, space, terrorism and cyber policies offered were all written at Lloyd’s. The market continues to innovate and lead 12

South Carolina Agent & Broker • Spring 2017

Having joined Lloyd’s in late 2010 to open the Southeastern office in Atlanta, I’m more excited than ever by the opportunity ahead for our industry. In my current role, I serve to promote the Lloyd’s market in the Southeast, educate our stakeholders – both existing and future – as to how to access Lloyd’s and facilitate development of the Lloyd’s market in the Southeast. Prior to

The IIABSC has invited me to speak at the Young Agents Conference in August 2017. I’m thrilled to have the opportunity to speak as there is such a great need for young talent in insurance. I hope that you will join us for an educational and fun look at the Lloyd’s market. The presentation is scheduled for Aug. 11 from 9 a.m. –10:45 a.m., and we hope to include CE credits for the session.

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Post-Flood Homeowners Questions By Mike Edwards, CPCU, AAI, Big ‘I” Virtual University Faculty

Editor’s Note: An agency in Louisiana compiled a list of issues that came up with insureds regarding coverage under a Homeowners Policy for exposures that developed after recent floods and sent them to technical coverage expert Mike Edwards, who also posted the answers on the Big “I” Virtual University. All IIABSC agency members have access to the Big “I” VU, an online resource of insurance, business and technology articles as well as ISO forms, white papers and other information on issues affecting today’s insurance marketplace including certificates of insurance, “where you reside,” perpetuation, the commodification of insurance and talent recruitment and development. If we don’t already have an article dedicated to your issue you can submit to the “Ask an Expert” forum and get answers from a panel of industry experts. Take a look at iiaba.net/vu. Situation #1: Water & sewer backup Excerpt: HO 00 03 05 11 Section I – Exclusions A. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area. 3. Water b. Water which: (1) Backs up through sewers or drains; or (2) Overflows or is otherwise discharged from a sump, sump pump or related equipment; However, direct loss by fire, explosion or theft resulting from any of the above, in A.3.a. through A.3.d., is covered. Comments: • Water which backs up through sewers or drains is excluded under A.3.b. • The ISO Homeowners Policy does not provide an exception or buyback for backup of sewers and drains caused by flooding. • Note, however, that there is coverage for fire, explosion or theft that is a consequence of any of the various types of water events listed in the Water Exclusion. [See last paragraph of the Water exclusion above.] • The NFIP flood policy provides coverage for the backup of sewers and drains, in an exception to an exclusion:

South Carolina Agent & Broker • Spring 2017

Excerpt: NFIP Dwelling Form (Standard Flood Insurance Policy) V. Exclusions D. We do not insure for direct physical loss caused directly or indirectly by any of the following: 5. Water or water-borne material that: a. Backs up through sewers or drains; b. Discharges or overflows from a sump, sump pump or related equipment; or c. Seeps or leaks on or through the covered property; unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water; Comments: • Backup of sewers or drains caused by flooding is covered under the NFIP policy. • However, in the growing market for proprietary flood insurance, coverage may be different than the NFIP policy. • View the following VU articles (www.iiaba.net.vu) for further reference: “The Homeowners Policy and Sewer Backup” “Accidental Discharge vs Sewer Backup” Situation #2: Water backup or overflow endorsement RE: HO 04 95 01 14 Limited Water Back-Up and Sump Discharge of Overflow Coverage Comments: • Coverage applies to property covered under Section I caused by water, or waterborne material, which: 1. Originates from within the dwelling where you reside and backs up through sewers or drains; or 2. Overflows or is discharged from a sump, sump pump, or related equipment. • The Water Damage Exclusion in the endorsement includes the following: C. Section I - Exclusions 1. Water This means water which backs up through sewers or drains, or Continued on page 18 >>

“I began with a staff of “I was in the

ZERO HOME BESTAT POSITION

and have Igrown a staff could to have beenof in to maximize the sale of my book.”

EIGHT IN AN OFFICE.”

I star ted my my insurance business years I started insurance career eight 9 years agoago withwith a a captive After doing doing some someresearch research captive insurance insurance agency. agency. After and meeting meeting with with a couple of different and different aggregators aggregators and clusters, I met with Assure Alliance, and clusters, I met with Assure Alliance, and and they they were were able to get me into business within the time framethat able to get me into business within the time frame I wanted getted. started. Immediately, was able I that wanted to gettostar Immediately, I wasI able to go to go and get clients. The attractive part of Assure and get clients. The attractive par t of Assure Alliance Alliance was that they already had processes and was that they already had processes and procedures in procedures in place that I could take and put into my place that I could take and put into my own business. own business. I’ve been a member for more than four years, and the I’ve beenhave a member for more I than years, and the benefits been amazing. wentfour from being not in benefits have been amazing. I went from being not in business to in business, having carriers within a month, business to within in business, having carriers withinmy a and clients two months. Since then, month, and clients within two months. Since then, my business has grown tremendously. I began with a staff business has grown tremendously. I began with a staff of zero at home and have grown to a staff of six in an of zero at home and have grown to a staff of eight in office. We’ve continued to grow by 30 - 40 percent an office. We’ve continued to grow by 30 - 40 percent every year. every year. You are truly self-employed, you get to make your You are truly and self-employed, you get to make your own decisions, lead your business in the direction own decisions, and lead your business in the direction that you want. And when you need some guidance, that you want. And when you need some guidance, they’re there to help, which is a major benefit of they’re there to help, which is a major benefit of Assure Alliance. I have found that Assure Alliance’s Assure Alliance. I have found that Assure Alliance’s contract is very beneficial for you to be in business contract is very beneficial for you to be in business and company. The The largest largest asset asset of of and to to really really grow grow your your company. Assure immediate trust trust that that you you have have Assure Alliance Alliance is is the the immediate with area. Assure Assure Alliance Alliance has has agents in in your your area. with other other agents been many ways ways with with support support been more more than than beneficial in many and aggregators to to look look at, at, and compensation. compensation. Of all the aggregators my membership in SIAA and specifically Assure my membership specifically Assure Alliance, has has been been very very beneficial Alliance, beneficial to to my my business. business.

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<< Continued from page 16

overflows or is discharged from a sump, sump pump or related equipment, as a direct or indirect result of: a. Flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; Comments: • Coverage only applies for backups of sewers and drains, or sump pumps, which originate at the residence premises. • The Water Exclusion excludes backups and overflows caused by flood. Issue #3: NFIP Loss Settlement: Replacement Cost (RC) vs ACV Replacement Cost: • Available only for a single-family dwelling that is the principal residence. • Amount of insurance must be either 80% of the RC, or is the maximum available under NFIP. Actual Cash Value (ACV): • Applies to dwellings that: (a) are not the principal residence; or (b) do not meet the required insurance for RC (see above). • If the dwelling is a principal residence that does not qualify for RC due to inadequate limits of insurance carried, then the payment is a proportion of the required insurance (“did over should”) applied to cost to repair or replace, or ACV – whichever is greater. • All other types of property (certain building items and all personal property) are covered on an ACV basis only. • NFIP Resource: What Is Covered and Not Covered Under My NFIP Policy factsheet (find at www.fema.gov/national- flood-insurance-program/) Issue #4: Property moved away from the residence due to the flood, and subsequently damaged by a Covered Peril Excerpt: C. Coverage C – Personal Property 1. Covered Property We cover personal property owned or used by an “insured” while it is anywhere in the world. After a loss and at your request, we will cover personal property owned by: a. Others while the property is on the part of the “residence premises” occupied by an “insured”; or b. A guest or a “residence employee”, while the property is in any residence occupied by an “insured.” 2. Limit For Property At Other Locations a. Other Residences Our limit of liability for personal property usually located at an “insured’s” residence, other than the “residence premises”, is 10% of the limit of liability for Coverage C, or $1,000, whichever 18

South Carolina Agent & Broker • Spring 2017

is greater. However, this limitation does not apply to personal property: (1) Moved from the “residence premises” because it is: (a) Being repaired, renovated or rebuilt; and (b) Not fit to live in or store property in; or (2) In a newly acquired principal residence for 30 days from the time you begin to move the property there. b. Self-storage Facilities Our limit of liability for personal property owned or used by an “insured” and located in a self-storage facility is 10% of the limit of liability for Coverage C, or $1,000, whichever is greater. However, this limitation does not apply to personal property: (1) Moved from the “residence premises” because it is: (a) Being repaired, renovated or rebuilt; and (b) Not fit to live in or store property in; or (2) Usually located in an “insured’s” residence, other than the “residence premises”. Comments: • Coverage C applies to personal property worldwide. [See C.1.] Therefore, Jack and Jill’s property is covered under their Homeowners Policy, no matter where it is located, so long as the property is damaged by a Covered Peril. [Flood is excluded.] • However, there are sublimits to property at certain locations. Under C.2.a., for personal property that is “usually located” at their secondary residence, the Coverage C limit from their primary Homeowners Policy is 10% of the Coverage C limit, or at least $1,000. Note that this 10% limit would not likely apply to property they temporarily moved from their primary residence to their secondary residence due to the flood. • If they moved personal property to Jill’s parents’ house, or to a friend’s house, the 10% limit would not apply, because neither of these is a residence of theirs. [C.2.a.] • If Jack and Jill move personal property to a “self-storage facility” (mini-warehouse, etc.), the 10% sublimit would not apply under any ISO HO form except the 2011 edition, which is when ISO added a sublimit for property at a self- storage facility. [C.2.b.] However, note that there is an exception to the 10% limit, if the property is moved because their residence is “Being repaired, renovated or rebuilt; and not fit to live in or store property in.” • If Jack and Jill had an HO 00 05 05 11 (Comprehensive Form) vs HO 00 03 05 11 (Special Form), they would have flood coverage for personal property under an exception to the Water Exclusion: HO 00 05 05 11 Comprehensive Form Section I – Exclusions 3. Water This exclusion does not apply to property described in Coverage C that is away from a premises or location owned, rented, occupied

or controlled by an “insured.” Referring to third item above where Jack and Jill moved personal property to Jill’s parents’ house, if that house later also flooded, Jack and Jill’s HO 00 05 05 11 would provide coverage for flood damage to the personal property they had taken there. • Most inland marine policies (“personal articles floaters,” etc.) do not have a flood exclusion. Issue #5: Camper at residence premises during repair or reconstruction Both the Homeowners Policy and Personal Auto Policy provide liability coverage for trailers. Homeowners Policy: Section II – Liability & Medical Payments exclude “motor vehicles,” which are defined as follows: “Motor vehicle” means: a. A self-propelled land or amphibious vehicle; or b. Any trailer or semitrailer which is being carried on, towed by or hitched for towing by a vehicle described in a. above. Comments: • Jack and Jill’s Homeowners Policy provides liability and medical payments coverage for detached trailers, owned, rented, or borrowed, on or off the residence premises.

• Autos that have been substantially submerged in a flood often end up being resold to unsuspecting buyers later. Louisiana passed a statute after Katrina to address the problem: 32:789. Sale of used water-damaged vehicles A. No used motor vehicle dealer, nor any person or entity, shall sell, transfer, or convey any used motor vehicle to any person without notifying the buyer or receiver of the vehicle in writing of the extent of any water damage from flooding which occurred to the vehicle prior to the transaction. B. If a sale, transfer, or conveyance of a used motor vehicle occurs in violation of Subsection A of thisSection, the person receiving ownership and title to the vehicle who is not otherwise aware of the damage at the time of the transaction may bring an action to set aside the transaction within one year from the date of the transaction and receive all monies or other property given as consideration for the vehicle less a reasonable assessment for miles driven. Acts 2006, No. 440, §1; Acts 2009, No. 403, §1, eff. July 7, 2009. Copyright 2016 © Independent Insurance Agents & Brokers of America, Inc. All rights reserved. Reprinted with permission. A&M Assoc Ad SC PRINT.pdf

10/20/15

12:38 PM

Personal Auto Policy: Part A – Liability provides coverage for trailers as follows: B. “Insured” as used in this Part means: 1. You or any “family member” for the ownership, maintenance or use of any auto or “trailer.” Comments: • The PAP provides liability coverage for any trailer, whether attached or detached from an auto, and whether owned, rented, or borrowed. A trailer has to be declared (added to the policy) only if physical damage coverage is desired. Issue #6: Automobile issues Comments: • Part D – Physical Damage coverage in the Personal Auto Policy only applies to the auto and its equipment. The PAP would not cover household items, clothing, portable electronics, etc., that were in the auto, if damaged by flood or any other cause, such as theft. • Some autos being driven on flooded streets will stall out. In many cases, this can lead to major engine damage. View the linked VU article (www.iiaba.net.vu), “Does the PAP Cover Engine Damage Due to Water in the Fuel?” Spring 2017 • South Carolina Agent & Broker

Can I Fire a Customer?

rom time to time we get the question “Can I fire a customer?” More and more agencies are coming to the realization that they cannot be all things to all people and must allocate their agency resources more carefully. Sometimes you have to fire a customer, but how can you tell someone you don’t want to do business with them?

The first step should be to decide who deserves your resources and why. Some agencies segment their clients into relationship clients and transaction clients. Relationship clients are those who are interested in protection and service first, price second. Transaction clients are interested in the best price available at the moment. Some agencies segment clients according to demand for services versus profit margin. Clients who consistently consume more agency resources than value they bring to the agency are identified for an eventual exit plan. Struggling with the concept of firing a customer? Consider this: is it fair to customers who are committed to you to compete for resources with customers that are committed only to the lowest price? Also, consider the customers that everyone in the agency hates to deal with. Wouldn’t it be better to politely direct them to another agency that may be better equipped to serve them? Of course, it is easier to embrace such a philosophy than to execute it.

20 20 South South Carolina Carolina Agent Agent & & Broker Broker •• Spring Spring 2017 2017

By the IIABA Big “I” Virtual University Faculty

The reality is that it is a bit tricky to fire a customer. Try this threestep process:

in your best interest to refer you to an agency that is more equipped to provide the service you deserve.”

1. Develop the criteria used to

There are some important things to consider before you fire any customer. First, it costs five times more to acquire a new customer than to retain an existing one. Second, take a long-term perspective when determining whether a customer is profitable or not. Last, consider the fallout from a customer who may be unhappy about the separation. Is her or she influential in circles that you rely on for customers? Negative word of mouth travels farther and louder than positive. For these reasons, it is always better to consider how can make an unprofitable customer profitable before terminating the relationship.

qualify who you will serve;

Go through your customer lists and identify them; and

Create a letter that can be used to “refer” clients that don’t make the cut.

Remember you cannot refuse to do business with someone because of race, religion, color, creed or sexual preference. The best approach is the honest approach. Here is some sample wording to set the tone: ABC Agency appreciates having had the opportunity to serve you. However, in our desire to more efficiently allocate our agency resources in a challenging economy, we feel it is

If you still must terminate, be sure to comply with all the regulatory rules, laws and policy conditions and remember that only the carrier can non-renew a policy. Remember you cannot refuse to do business with someone because of race, religion, color, creed or sexual preference.

This article originally ran in the March 6, 2017 edition of the Independent Insurance Agents of Iowa Newsletter and is based on an “Ask the Expert” post in the IIABA Virtual University (iiaba.net/vu). Reprinted with permission.

Meeting my customers where they work. Crafting each policy to meet different needs. Partnering with Builders Mutual insurance.

Thatâ&#x20AC;&#x2122;s how I get the job done right. BuildersMutual.com

FAQs Big “I” Markets is the independent agent’s gateway to specialized insurance products and services with no access fees, no volume commitment and no software needed beyond basic Internet access. This online market access program connects Big “I” member agents with underwriters for specialty insurance products and industry group packages and programs. WHO CAN ACCESS IT? Big “I” Markets is exclusively available to Big “I” members. According to state regulations, individuals must also have a brokers license.

NEED MARKET ACCESS?

Top 5 Reasons to Register for Big “I” Markets

WHY IS IT REVOLUTIONARY? With highly rated, handpicked insurance providers, a robust product line, detailed underwriting guidelines, streamlined applications, sales tools and direct company submissions at your fingertips, your agency will be well on the way to explosive revenue potentials.

1. We are fee free. There are no access or termination fees whatsoever associated with using Big “I” Markets. No fees, period.

HOW DO I SEE WHAT PRODUCTS ARE AVAILABLE? The most accurate list of available products in South Carolina is the one displayed when logged in to Big “I” Markets. (You do not have to register your agency for Big “I” Markets in order to view the list of products.)

2. Our agents maintain ownership of expirations. You own your expirations. When working with us, you keep your business!

HOW DO I REGISTER MY AGENCY FOR BIG “I” MARKETS? You will need your agency Tax ID number, E&O policy information and agency license number(s) as well as the email addresses and producer/ broker licenses of each user. You must have a brokers license to use Big “I” Markets. 1. Go to www.bigimarkets.com and click “Register Online” on the homepage below the login area. (Login using your IIABSC website username and password after clicking “Register Online.”) 2. On the first page of the registration you should verify and update your agency’s information from our database records. 3. On the next page you should input additional agency information, EFT information and agency resident/nonresident licenses. 4. On the next page you should enter your agency’s E&O policy information. You should have minimum limits of $1 million. 5. On the next page are seven background questions. Answering “Yes” to any of these questions will stop the online registration process, but it doesn’t necessarily mean you cannot use BIM. A BIM team member will email you within one business day requesting more information.

3. There are no volume commitments. Write one policy, or write 1,000! There is no minimum amount of business you must do to remain activated. 4. We offer one-stop shopping. Only one log-in is needed to access dozens of programs, and EFT commission payments ensure timely and efficient transfer of your earnings. 5. Markets, markets, markets! A suite of top tier products including affluent homeowners, bonds, commercial packages, habitational, non-standard homeowners is just a click away.

Continued on page 24 >> [Continued on page 24]

, x a l Re th Carolina u o S Weâ&#x20AC;&#x2122;ve got you covered.

When unpredictable weather strikes, residents of South Carolina need more than the usual kind of insurance products. Count on Centauri Insurance to provide peace of mind when your customers need it the most. Homeowners I Dwelling Fire I Condominium I Tenants I Flood

centauriinsurance.com

<< Continued from page 22

6. On the next page you should verify/update user information. Click “Enter License Info” next to the name of each user and enter his or her producer and broker license information. Again, you must have a brokers license to be a producer for Big “I” Markets. A button to add new users is in the bottom right corner of the page. Before going to the next page, verify that the appropriate users have “Producer” listed under their “Roles.” 7. On the next page you can sign up to access Selective directly for their flood insurance program (but it is still not a direct appointment). You can still access Selective flood program through Big “I” Markets if you do not sign up here. 8. Sign the agreement. We encourage you to print out the agreement for your records. 9. Enter your initials in the box at the bottom and click “Accept.” 10.You will then be prompted to send an email to everyone in your agency, after which you will automatically be directed

to the Big “I” Markets login page. You can use the same login and password to begin requesting quotes. DO YOU OFFER TRAINING? There is a short half-hour training session conducted each Thursday at 2:00 pm Eastern Time. A member of the Big “I” Markets team will give you a virtual tour of the website and answer any questions you may have. Email your training request (including name and agency name) to bigimarkets@iiaba.net. Access the training webinar on demand through the Big “I” Markets webinar library (www.bigimarkets.com> login>Publications). HOW DO I REQUEST A QUOTE? Select a product of interest from the list. Review the Underwriting and Coverage page for eligibility and then click on ‘Request a Quote’ and answer the questions of the Quote Request Wizard. Video of entire process is available on the website. All communication should be done using the Activity Box rather than by phone or email.

www.bigimarkets.com

BE THERE WHEN IT COUNTS When disaster strikes, everyone needs a hero. Restoring a way of life for your policyholder makes you a hero in their eyes. Provide a complete property solution to your policyholders â&#x20AC;&#x201C; when they need you the most. Contractor Connection â&#x20AC;&#x201C; The claims solution for residential and commercial damaged property, whether during a disaster or day-to-day property claims.

GENERAL CONTRACTOR AND EMERGENCY SERVICES A leading provider of policyholder satisfaction | Servicing U.S. & Canada | 5,000 Contractors 24/7/365 | contractorconnection.com | 800.690.0174

Commercial Lines: South Carolina Product Availability



Architects, engineers E&O



Bonds

Big “I” Markets (BIM) is the IIABA member’s online market access program with no fees, no volume commitments and competitive commissions.

Personal Lines:



Bid



Contractor



Performance



Surety



Other



Afﬂuent Package Personal Lines Broker of Record Change

Commercial Builders Risk



Commercial Lessors’ Risk



Affluent Program New Business



Community Banks Business Insurance Program



At-Home Business



Cyber Liability & Security



Flood - In, Above & Outside of the NFIP!



Employers‘ Practices Liability



Marine Insurance



Employers‘ Practices Liability - Wrap+



Event Liability





Charter Boat



Fidelity/Crime - Wrap+



Mega-Yacht



Financial Advisors’ E&O



Performance Boat



Flood - In, Above & Outside of the NFIP!



Personal Watercraft



Habitational Markets



Small Boat under 27 feet



Yacht

Non-standard Homeowners 

Homeowners & Rental Dwellings



Condos



Renters



Vacant Dwellings



Apartments



Condo program



Highly Protected Risks



Insurance Company Professional & Business Insurance



International Advantage Package Policy



Miscellaneous Professional Liability



Non-Proﬁt D&O Liability



Pollution Contractors - Farms - USTs



Property Manager E&O



Personal Umbrella Alternative Market



Real Estate Agents E&O



Personal Umbrella Policy



Recreational Vehicles



Recreational Vehicles



Small Commercial Excess & Surplus Lines



Stand-alone Fine Art & Valuable Articles



Small Commercial Standard Markets



Travel Insurance



Stand-alone Fine Art & Valuable Articles



Standard Lines Brokerage



Technology Consultants Professional Liability



Travelers Select Accounts



Wrap+ Executive Liability for Private Companies

Online Registration We’ve made it easier than ever to Plug into the Power of Big “I” Markets! Register online today and discover a fresh new way to do business. All products are only accessible online and coverage is subject to licensing compliance and underwriting approval. To register online you will need your login ID and password, your agency tax ID number, your agency E&O policy, and your state agency/agent license information (where applicable). Log on to www.bigimarkets.com today to begin the registration process and start quoting in minutes!

sleepovers with hardly any sleep Home insurance isn’t just for the house.

It’s

for

gossip

and

giggles. Midnight snacks and extra coﬀee in the morning. It’s for staying out of sight while always watching over. And for

doing it again next weekend. It’s for

what

matters

our

customers. Which is why we’ll be there through it all to help guide the way forward.

Learn more at www.lighthouse.insurance Homeowners | Dwelling Fire | Flood

Bankers Insurance Group Centauri Specialty Ins. Co. Gulfstream Property & Casualty Jackson Sumner & Associates Motorists Insurance Group Preferred Specialty, LLC St. Johnâ&#x20AC;&#x2122;s Insurance Company UPC Insurance Co.

Access Accident Fund Ins. Co. of America Allstate Insurance Company Auto-Owners Insurance Berkshire Hathaway GUARD Ins. Capitol Preferred Ins. Co. & Southern Fidelity Central Insurance Companies 28

AFCO/Prime Rate Premium Finance Allstar Financial Group AMERISAFE Assure Alliance, Inc. Builders Insurance Group Frontline Insurance Geovera Specialty Ins. Co. & Coastal Select Imperial PFS

Frankenmuth Insurance Genesee General Hanover Excess & Surplus Inc. Hull & Co. Inc. Insurance House J.M. Wilson Mid-Continent Group Penn National Insurance

The Main Street America Group Markel Specialty National Security Fire & Casualty Prime Insurance Company Risk Placement Services Safeco Insurance SCU Southern Ins. Underwriters Travelers Wright Flood

Risk Innovations Sentry Insurance Southern Mutual Insurance Co. State Auto Insurance Company Stonewood Insurance Company Tapco Underwriters, Inc. Universal North America

Save the date

h e upcomiingg eevents: ffor tthes Young Agents Scholarship Golf

April 25

Wildewood Country Club, Columbia, SC

Young Agents Conference

Aug. 10-13

Marriott Resort & Spa, Hilton Head Island, SC

Annual Convention

Oct. 15-17

Marriott Resort & Spa at Grande Dunes, Myrtle Beach, SC

South Carolina Agent & Broker â&#x20AC;˘ Spring 2017

“RPS IS MY TRUSTED PARTNER” – BRENT HALLMAN MANRY & HESTON At Risk Placement Services (RPS), we are committed to building relationships one retail partner at a time. Our stewardship begins by providing you access to the finest markets and top producers in the industry and providing customized solutions to meet your needs by designing, negotiating and tailoring individual risks that help you succeed. It’s a partnership you can count on! To learn more contact Ben Hoover 843.540.3209 or email at Ben_Hoover@rpsins.com. RPSins.com

Calendar

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

m m

April

Garage Basics, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

CISR Life & Health Essentials, Myrtle Beach, 7 hrs. L&H

Liability Issues to Worry About: Indemnity Agreements, Addl Insureds, 2 hrs. P&C

5-6

CIC Ruble Graduate Seminars, Myrtle Beach, 20 hours

Insuring Condominiums, 2 hrs. P&C

06 07

CISR Personal Lines Misc., Charleston, 7 hrs. P&C

AIAM Day 2 Time Management/Workflow, Hilton Head, 6 hrs. P&C

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

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

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

May 01

Garage Basics, 2 hrs. P&C

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

Guy in the Bar is Back, 3 hrs. P&C

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Personal Lines Myths – Part 1, 1 hr. P&C

CISR Commercial Casualty I, Hilton Head, 7 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

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

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Retirement Planning and Annuities Update, 2 hrs. L&H

Ethical Issues Personal & Organizational, 3 hrs. Ethics

Personal Lines Myths – Part I, 1 hr. P&C

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

E&O Mock Trial, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

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

The E-world for Insurance Professionals, 3 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

Workers Comp Beyond the Basics, 3 hrs. P&C

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

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

Innovations in Long Term Care Funding, 3 hrs. L&H

E&O Roadmap to Policy Analysis, Greenville, 6 hrs. P&C

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

Data Privacy Insurance, 2 hrs. P&C

BAP Symbols and Endorsements, 1 hr. P&C

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

Estate Planning Techniques, Options & Opportunities, 2 hrs. L&H

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Home Based Business Exposures, 2 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

South Carolina Agent & Broker • Spring 2017

09 CISR William T Hold, Columbia, 4 hrs. Ethics & 3 hrs. P&C 10

CISR Agency Operations, Charleston, 7 hrs. P&C

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

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Personal Lines Myths – Part I, 1 hr. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

AIAM Day 5 Regulation& Politics/Leadership, Columbia, 6 hrs. P&C

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

Long Term Care Insurance, 2 hrs. L&H

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

BAP Symbols and Endorsements, 1 hr. P&C

AIAM Day 2 Time Management/Workflow, Greenville, 6 hrs. P&C

Continued on page 34 >>

Commercial Property Endorsements That Can Make You Money, 2 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

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

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

Innovations in Long Term Care Funding, 3 hrs. L&H

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

July 03

Garage Basics, 2 hrs. P&C

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

Guy in the Bar is Back, 3 hrs. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

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

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

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

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Long Term Care Insurance, 2 hrs. L&H

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

June

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

Garage Basics, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

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

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

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

Data Privacy Insurance, 2 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Liability Issues to Worry About: Indemnity Agreements, Addl Insureds, 2 hrs. P&C

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

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

Insuring Condominiums, 2 hrs. P&C

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

12 CISR William T Hold, Charleston, 4 hrs. Ethics & 3 hrs. P&C

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

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

Estate Planning Techniques, Options & Opportunities, 2 hrs. L&H

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

Personal Lines Myths – Part I, 1 hr. P&C

E&O Mock Trial, 2 hrs. P&C

CISR Commercial Property, Myrtle Beach, 7 P&C

BAP Symbols and Endorsements, 1 hr. P&C

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

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

Ethical Issues Personal & Organizational, 3 hrs. Ethics

CISR Life & Health Essentials, Columbia, 7 hrs. L&H

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

Innovations in Long Term Care Funding, 3 hrs. L&H

21-23

CIC Commercial Casualty, Columbia, 20 hrs. P&C

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

Workers Comp Beyond the Basics, 3 hrs. P&C

Data Privacy Insurance, 2 hrs. P&C

Home Based Business Exposures, 2 hrs. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

South Carolina Agent & Broker • Spring 2017

Personal Lines Myths – Part I, 1 hr. P&C

CISR Commercial Property, Florence, 7 hrs. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Commercial Property Endorsements That Can Make You Money, 2 hrs. P&C

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

Innovations in Long Term Care Funding, 3 hrs. L&H

CISR Dynamics of Service, Rock Hill, 7 hrs. P&C or L&H

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

CISR Agency Operations, Greenville, 7 hrs. P&C

BAP Symbols and Endorsements, 1 hr. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

Retirement Planning and Annuities Update, 2 hrs. L&H

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

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

Small business customers need superior service and comprehensive coverage... we bring you that

August 01

Guy in the Bar is Back, 3 hrs. P&C

Garage Basics, 2 hrs. P&C

Liability Issues to Worry About: Indemnity Agreements, Addl Insureds, 2 hrs. P&C

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

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

Garage Basics, 2 hrs. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Ethical Issues Personal & Organizational, 3 hrs. Ethics

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Personal Lines Myths – Part I, 1 hr. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

10-13

IIABSC Young Agents Conference, Hilton Head Island

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

E&O Mock Trial, 2 hrs. P&C

Insuring Condominiums, 2 hrs. P&C

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

16-18

CIC Commercial Multiline Institute, Charleston, 20 hrs. P&C

BAP Symbols and Endorsements, 1 hr. P&C

Innovations in Long Term Care Funding, 3 hrs. L&H

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

Data Privacy Insurance, 2 hrs. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

Workers Comp Beyond the Basics, 3 hrs. P&C

AIAM Day 6 Ethics/Changing Attitudes, Charleston, 2 hrs. P&C and 3 hrs. Ethics

Home Based Business Exposures, 2 hrs. P&C

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

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

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

Estate Planning Techniques, Options & Opportunities, 2 hrs. L&H

E&O Roadmap to Policy Analysis, Hilton Head, 6 hrs. P&C

Advantage

Why BSIG Advantage Our Advantage product offers a simplified solution for writing your small business customers that includes: • Over 400+ eligible classes & 8 market segments • Bindable coverage online makes placing business easier than ever • Expedited processing for eligible classes • Authority to apply up to 25% credit on qualified accounts • Comprehensive Coverage – we have the right product to fit the needs of your clients • 24/7 online claim reporting and emergency response • Exclusive access to our online risk safety portal with information tailored to the customer’s business • Exclusive access to our online data breach preparation and crisis management portal

Our Claims Commitment We are committed to providing superior claim service-and getting our customers back-in-business when a claim does occur, earning us a 97% customer satisfaction score through July of 2016.

Want to Know More?

Please contact Tish Pollard, Territory Manager at 704.759.7035 or John Zulueta, RVP at 704.759.7008.

Your Back-in-Business Insurance Company™

berkleysig.com Berkley Southeast Insurance Group is a member company of W. R. Berkley Corporation, whose insurance company subsidiaries are rated A+ (Superior) by A.M.Best. Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. ©2016 Berkley Southeast Insurance Group. All rights reserved.

Continued on page 36 >>

Spring 2017 • South Carolina Agent & Broker

September

2 hrs. P&C Long Term Care Insurance, 2 hrs. L&H

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

Data Privacy Insurance, 2 hrs. P&C

Garage Basics, 2 hrs. P&C

Commercial Property Endorsements That Can Make You Money, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

BAP Symbols & Endorsements, 1 hr. P&C

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

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

BAP Symbols & Endorsements, 1 hr. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

CISR Commercial Property, Greenville, 7 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

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

Personal Lines Myths – Part I, 1 hr. P&C

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

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

Rental Cars: More than Meets the Eye, 2 hrs. P&C

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

Innovations in Long Term Care Funding, 3 hrs. L&H

CISR Personal Lines Misc., Hilton Head, 7 hrs. P&C

Commercial Lines Claims that Cause Problems,

Certificates of Insurance Emerging Issues, 3 hrs. P&C

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

27-29

CIC Commercial Property, Myrtle Beach, 20 hrs. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

Retirement Planning and Annuities Update, 2 hrs. L&H

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

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

October

Come Grow with Us!

Garage Basics, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

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

Data Privacy Insurance, 2 hrs. P&C

CISR Personal Residential Property, Charleston, 7 hrs. P&C

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South Carolina Agent & Broker • Spring 2017

Data Privacy Insurance, 2 hrs. P&C

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

Liability Issues to Worry About: Indemnity Agreements, Addl Insureds, 2 hrs. P&C

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

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

Workers Comp Beyond the Basics, 3 hrs. P&C

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Home Based Business Exposures, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

The E-world for Insurance Professionals, 3 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

E&O Mock Trial, 2 hrs. P&C

Ethical Issues Personal & Organizational, 3 hrs. Ethics

AIAM Day 5 Regulation& Politics/Leadership, Greenville, 6 hrs. P&C

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

Commercial Lines Myths – Part I, 1 hr. P&C

AIAM Day 6 Ethics/Changing Attitudes, Hilton Head, 2 hrs. P&C and 3 hrs. Ethics

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

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Personal Lines Myths – Part I, 1 hr. P&C

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

Certificates of Insurance Emerging Issues, 3 hrs. P&C

E&O Roadmap to Policy Analysis, Columbia, 6 hrs. P&C

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

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

Estate Planning Techniques, Options & Opportunities, 2 hrs. L&H

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

Rental Cars: More than Meets the Eye, 2 hrs. P&C

November

Innovations in Long Term Care Funding, 3 hrs. L&H

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

15-17

IIABSC Annual Convention, Myrtle Beach

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

1-3

CIC Agency Management, Hilton Head, 16 hrs. P&C or L&H and 4 hrs. Ethics

Insuring Condominiums, 2 hrs. P&C

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

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

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

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

The E-world for Insurance Professionals, 3 hrs. P&C

BAP Symbols and Endorsements, 1 hr. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics Continued on page 38 >>

M. J. Kelly Company-North Carolina 800.873.8374 I www.mjkelly.com

Spring 2017 • South Carolina Agent & Broker

Garage Basics, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

Commercial Property Endorsements That Can Make You Money, 2 hrs. P&C

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

CISR Personal Lines Misc., Rock Hill, 7 hrs. P&C

Personal Lines Myths – Part I, 1 hr. P&C

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

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

CISR Commercial Casualty I, Charleston, 7 hrs. P&C

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

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Innovations in Long Term Care Funding, 3 hrs. L&H

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

Data Privacy Insurance, 2 hrs. P&C

CISR Dynamics of Service, Florence, 7 hrs. P&C or L&H

16 Agency Management Based E&O and Ethics, 3 hrs. Ethics 16

BAP Symbols and Endorsements, 1 hr. P&C

Retirement Planning and Annuities Update, 2 hrs. L&H

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

28 Commercial Lines Claims that Cause Problems, 2 hrs. P&C 28

Long Term Care Insurance, 2 hrs. L&H

Commercial Lines Myths – Part I, 1 hr. P&C

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

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

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

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

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

December

South Carolina Agent & Broker • Spring 2017

Top 10 Workers Comp Risks Employers Unknowingly Assume, 2 hrs. P&C

Insurance & BBQ: The Hidden Connection, 3 hrs. P&C

Garage Basics, 2 hrs. P&C

Guy in the Bar is Back, 3 hrs. P&C

E&O Roadmap to Policy Analysis, Charleston, 6 hrs. P&C

Ethical Issues Personal & Organizational, 3 hrs. Ethics

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Insuring Condominiums, 2 hrs. P&C

AIAM Day 4 How Not to Get in Trouble with Your Mouth, Greenville, 2 hrs. P&C and 4 hrs. Ethics

The E-world for Insurance Professionals, 3 hrs. P&C

Professional Ethics in the Insurance Industry, 3 hrs. Ethics

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

Earthquake Basics: Shake, Rattle & Roll with it, 1 hr. P&C

Drones – Problems, Solutions & Insurance, 3 hrs. P&C

Certificates of Insurance Emerging Issues, 3 hrs. P&C

Liability Issues to Worry About: Indemnity Agreements, Addl Insureds, 2 hrs. P&C

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

AIAM Day 3 Negotiating Conflict/Professional Relationships, Columbia, 6 hrs. P&C

13 CISR Elements of Risk Management, Columbia, 7 hrs. P&C 13

Personal Lines Myths – Part I, 1 hr. P&C

E&O Mock Trial, 2 hrs. P&C

Workers Comp Beyond the Basics, 3 hrs. P&C

Rental Cars: More than Meets the Eye, 2 hrs. P&C

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

Data Privacy Insurance, 2 hrs. P&C

Agent Friendly Endorsements for CGL and BAC Forms, 2 hrs. P&C

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

Estate Planning Techniques, Options & Opportunities, 2 hrs. L&H

Home Based Business Exposures, 2 hrs. P&C

BAP Symbols & Endorsements, 1 hr. P&C

Commercial Lines Myths – Part I, 1 hr. P&C

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

National Flood Insurance Program Basic Course-2016, 2 hrs. P&C

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

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

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

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

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

DECADES

of combined underwriting experience

40%

of J.M. Wilson underwriters play a musical instrument

KNOWLEDGE MORE THAN JUST A PRETTY FACE

1 in 2

J.M. Wilson associates have earned an insurance designation

SURETY TRANSPORTATION PROPERTY & CASUALTY PERSONAL LINES BROKERAGE / PROFESSIONAL

MGA and E&S Broker since 1920

(800) 666-5692 | JMWILSON.COM Spring 2017 • South Carolina Agent & Broker

Member News

WELCOME NEW MEMBERS Agency members The Bright Agency, Inc. Spartanburg, SC Choice Flood Insurance, LLC Columbia, SC Clark Farley Insurance Agency, Inc. Columbia, SC

Associate members Alan Gardner Insurance, LLC Irmo, SC H and H Insurance Agency, LLC Hemingway, SC Worth Mason Insurance Agency, Inc. Anderson, SC

McKenna Agency, Inc. Charleston, SC

FIRST Insurance Funding Northbrook, IL

Security First Insurance Greer, SC Vanguard Insurance Solutions Columbia, SC

There can be no doubt that all our knowledge begins with experience. – Immanuel Kant

www.summitholdings.com

Policies are underwritten by Bridgeﬁeld Casualty Insurance Company and Bridgeﬁeld Employers Insurance Company, authorized insurers in AL, AR, FL, IN, KY, GA, MS, LA, NC, SC, TN and TX; BusinessFirst Insurance Company, authorized in FL, GA, KY, NC, SC and TN. ©2016 Summit Consulting LLC | 2310 Commerce Point Drive, Lakeland, FL 33801

South Carolina Agent & Broker • Spring 2017

Member News

TURBEVILLE INSURANCE AGENCY NAMED AMONG TOP 100 PRIVATELYHELD COMPANIES IN THE STATE Congratulations to member agency Turbeville Insurance Agency with locations in Charleston, Columbia, Beaufort, and Lexington, which was named one of The South Carolina 100 by the S.C. Chamber of Commerce and partner auditing firm Grant Thornton. The South Carolina 100 celebrates the substantial impact of private companies in South Carolina by conducting a ranking of the state’s largest privately held companies by net revenue. The full list of the South Carolina 100 was published in SCCC’s Ascend magazine 2017 edition.

SC BEST PRACTICES AGENCIES Congratulations to last year’s SC Best Practices Agencies. They are among 260 high-performing agencies nationwide across six revenue categories that were studied to update the best practices of a successful independent insurance agency on subjects like customer service, perpetuation, producer contracts, staff training and productivity. Best Practices study results and tools are available now to member agencies. Anderson Insurance Associates Charleston

Peoples Underwriters Conway

CSP Insurance Services Florence

SC Insurance Brokers Greenville

Keenan Suggs Columbia

For Comprehensive Mobile Homeowners Insurance, put your trust in a company that has been insuring homes for over 50 years. National Security Can Provide You With: • • • • • • • •

$100,000 Maximum Policy Limits AAIS Special Form 3 Policy 15% New & Renewal Commission Partnership Profit Sharing Fast Online Policy Issuance Direct Contract with National Security Replacement Cost Option Discounts for New Home and 50+ Age of Insured • Easy Payment Options National Security has provided competitive, affordable insurance to policyholders for over 50 years, but we also provide a lot for our agents, with competitive commissions, excellent customer service and experienced company adjusters. As an admitted Southeastern based regional company, National Security prides itself on fast, efficient service from a friendly small town company, and online access for all agents, providing fast quotes, online policy issuance, online dec page printing, and real-time policy information. Find out more by calling Sharon at 1-800-239-2358 x213 or visit nationalsecuritygroup.com.

Elba, Alabama

Spring 2017 • South Carolina Agent & Broker

Member News

JOB SHADOWING DAY AT HERLONG BATES BURNETT INSURANCE Member agency Herlong Bates Burnett Insurance in Greenville recently played host to high school student Bladen Bates, who is in the 10th grade at Wade Hampton High. After expressing interest in the insurance industry as a career, Bladen spent the day shadowing Personal Lines Account Manager Beverly Duvall. For guidance on how to foster local student interest in the insurance industry, contact the InVEST program by our national association (investprogram.org).

Left to Right: Personal Lines Account Manager Beverly Duvall, 10th grade student Bladen Bates, Proud Papa (and agency principal) Tom Bates Jr.

FIND ALL YOUR INSURANCE NEEDS IN ONE PLACE

South Carolina Agent & Broker â&#x20AC;˘ Spring 2017

I will not accept policy changes from a third party. I will not accept policy changes from a third party. I will not accept policy changes from a third party.

AT THE BIG “I” PROFESSIONAL LIABILITY PROGRAM,

WE TAKE CLAIMS PREVENTION VERY SERIOUSLY .

You carry professional liability insurance to protect you in the event of a claim. But is your carrier helping you to prevent a claim in the first place? The Big I has dedicated significant resources to bringing the best claims prevention information and strategies to your agency. And while we won't really make you write it out on a chalkboard, we believe that the best way to protect your business is to help you protect yourself.

VISIT IIABSC.COM/EO TODAY.

South Carolina Agent & Broker • Spring 2017

When it comes to your ϐlood carrier, it’s a bright idea to select Selective.

Selective makes writing ﬂood insurance easy through quality customer service and superior technology. Together, Big “I” Flood and Selective’s relationship helps deliver members an unparalleled ﬂood program by offering:

 An enhanced quoting and policy issuance system  Direct access to dedicated and skilled underwriters, assigned to each agency rather than a TPA call center  Competitive commission structure  �ocalized and experienced �lood territory managers with intimate knowledge of �lood insurance  Access to free customizable marketing materials and campaigns  �oti�ications of important �FIP program changes  On site book roll-over assistance  Carrier appointed claim adjusters and in-house claim examiners following a �looding event  The knowledge that participation supports Big “I” advocacy efforts on Capitol Hill

Learn more and sign up today at www.independentagent.com/Flood.

2017 Board of Directors Executive Committee

Directors

Chairman R. Scott Moseley Irmo Insurance Agency Irmo, SC scott@irmoins.com

National Director Jules Anderson, AAI Anderson Insurance Associates Charleston, SC janderson@aiasc.com

William C. Carter, CIC (Cooper) Pinckney-Carter Company Charleston, SC cooper@pinckneycarter.com

Robert E. Nalley (Robbie) Creech Roddey Watson Ins Sumter, SC rnalley@crwins.com

Chairman Elect/ Treasurer Tom Bates, Jr. Herlong Bates Burnett Greenville, SC tom@hbbins.com

Immediate Past Chairman Kenneth A. “Ken” Finch, CPCU, CIC, CRM, AAI Adams Eaddy & Associates kfinch@adamseaddy.com

Robert W. Hammett, AIP (Rob) CWS Insurance Agency Inc. Spartanburg, SC rob@cwsinsurance.com

Tonya S. Thomason, CIC David A. Crotts & Associates Greenwood, SC tonya.thomason@dcrotts.com

Carrie Johnson, ChFC, CLU, AAI Carrie Johnson Insurance Murrells Inlet, SC cj_ins@sccoast.net

Matthew B. Wiseman, CIC CISR (Matt) Peoples Underwriters Inc Myrtle Beach, SC mattw@peoplesunderwriters.com

Andrew E. Muller, CIC, AAI, CWCC, PRIS Mappus Insurance Agency Inc. Charleston, SC andrew@mappusinsurance.com

Teresa C. Yount, CPCU, CIC, CRM, AINS, CPIW Correll Insurance Group Spartanburg, SC tyount@correllinsurance.com

Secretary James G. Taylor, Jr., CIC (Jay) Kinghorn Ins Agency of Beaufort Beaufort, SC jtaylor@insurancebeaufort.com

Benjamin C. Myers, AIP (Ben) Russell Massey & Co. Inc. Columbia, SC ben@russellmassey.com

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South Carolina Agent & Broker • Spring 2017

contact Rhett Orr phone 803-403-6761 email rorr@upcinsurance.com upcinsurance.com

The ISU Unique Competitive Advantage™ Awarded only to qualified, well established and highly successful Independent Agencies with at least $1,000,000 of revenue.

The ISU Insurance Agency Network is a nationwide community of fiercely independent Agents committed to one another’s mutual success and united by strong fellowship, common attitudes, interests and goals.

Call to request a no obligation exploratory discussion Jack O’Connell Charlotte, NC (704) 771-9597 www.joinisu.com