Member Benefits Booklet - Maryland Edition

2012/2013

MEMBER

BENEFITS A SUPPLEMENT TO PRIMARY AGENT MAGAZINE

NEW MARKETING RESOURCES __________________ PAGE 11

Driving members to distinction.

About Insurance Agents & Brokers

We’re listening!

Part of IA&B’s mission is to develop offerings based on member feedback. Several items in this catalog were inspired by Member Agent Panels (MAPs), groups of independent agents that meet twice a year in their home region to share their experiences, views and ideas. MAP meetings are an open forum for discussion and an opportunity to learn about issues of importance to members.

Members can offer suggestions and insight anytime by e-mailing our Member Service Center at iab@iabgroup.com.

5050 Ritter Road Mechanicsburg, PA 17055

As THE state trade association for independent agents Insurance Agents & Brokers of Maryland (IA&B) is a strong advocate for members as they strive for distinction in a competitive marketplace.

IA&B gives members access to a robust portfolio of programs, products and services that can add significant value—and distinction—for their agencies. Many of the resources described in this catalog have been developed based on our vast industry knowledge as well as input from member agents.

Faced with many challenges, independent agents need a strong partner they can count on for support in many areas. IA&B has the tools and expertise to help members: • protect their assets with E&O coverage and loss-control resources • educate employees with award-winning classroom and on-demand training • increase sales through marketing and branding tools and advice • protect their interests with effective advocacy • streamline business operations with productivity tools and resources • stay informed with timely, in-depth and actionable information This catalog serves as a handy quick reference guide to the many resources available to members. Additional details on these benefits can be found at iabgroup.com. Visit our Website often for the most up-to-date information on new member benefits and other information you need to drive your agency to distinction.

Phone: (800) 998-9644 / (717) 795-9100 Fax: (717) 795-8347 Email: iab@iabgroup.com iabgroup.com

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Driving members to distinction.

Contents Insurance Products ........................... 2 – 3 Errors & Omissions Program E&O Coverage for Property and Casualty Agents E&O Coverage for Life and Health Agents E&O Loss Control Seminars Agent’s Umbrella Market Options Personal Umbrella Policy Home Business Insurance Workers’ Compensation Premium Financing Political, Industry and Legal Affairs ................................ 4 – 5 Political Action Legal Affairs Producer Agreement Toolkit Fiduciary Responsibility Agency Termination Contract Reviews Maryland Compliance On-Demand

Education ................................................. 6 – 7 Executive Management Conference Designation Programs Certified Insurance Counselor (CIC) Certified Insurance Service Representative (CISR) Certified Professional Insurance Agent (CPIA) Errors & Omissions Loss Control Special Topic Seminars On-site Training Licensing Preparation Self-Study Package Online and On-demand Training

Agency Operations ........................... 8 – 9 Getting Started Start-up Agency Toolkit Employee Management HR Solution© Benchmarking Marsh Berry Emergency and Business Continuity Planning Business Services Retail Benefits Print Products Technology

Publications and .........................

Communications .....................................10 Agent Headlines Capitol Connection IA&B Website Social Media Primary Agent Magazine

Marketing and Branding ...................11 e-Newsletters Consumer Brochures from IA&B Online Resources

Carrier Relationships ...........................12 Company Satisfaction Index

Coverage Issues .......................................12 IA&B Partners ....................Inside Back Cover IA&B Partners Program

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Insurance Products ICON LEGEND BENEFITS found online at iabgroup.com

Errors & Omissions Program More information on E&O resources described in this section can be found by logging onto iabgroup.com and clicking “Errors & Omissions.” For coverages, call the IA&B Sales Center at (800) 998-9644, option 2.

For other inquiries, press option 1.

E&O Coverage for Property and Casualty Agents _______________________________ Strong, stable E&O coverage from highly rated carriers is available through the licensed agents of IA&B Service Group — the “agents’ agency.” Membership credits can provide cost savings for member agencies purchasing coverage through IA&B. You will appreciate coverage features important to independent agents: ■ comprehensive coverage ■ range of deductibles ■ liability limits options ■ optional coverages ◗ employment-related practices liability ◗ contingent catastrophe claim extra expense Our E&O team of service-oriented professionals will guide you through important considerations for protecting your business.

The description of coverage herein is for illustration only and is subject to individual policy provisions.

E&O Coverage for Life and Health Agents _______________________________

Litigation can come from anywhere, impacting even the best of agencies doing everything by the book. Protect your business with E&O coverage features for life and health agents: ■ ■ ■ iabgroup.com (800) 998-9644 Online Benefit ______________ Page 2

optional first-dollar defense full prior acts defense costs in addition to limit of liability

Rest easy knowing you are protected. Turn to IA&B for coverage from stable carriers to safeguard your hard-earned assets.

The description of coverage herein is for illustration only and is subject to individual policy provisions.

E&O Loss-Control Seminars _______________________________ Learn how to avoid claims by attending E&O loss-control seminars through IA&B. We offer programs that explore different angles — from understanding how and why agents are sued to learning best practices for preventing claims. Seminars are designed for any agency employee that could have an impact on claims.

Loss-control credits are awarded for these programs.

Utica policyholders may be eligible for pricing considerations when completing these and other IA&B courses.

Agent’s Umbrella _______________________________

When your agency’s earning potential and assets warrant more protection than your E&O and commercial coverage provides, turn to IA&B for additional umbrella insurance. We work with you to craft an umbrella program that extends your coverage limits and shields your agency from a potentially devastating loss. IA&B’s umbrella program provides excess coverage for the following underlying policies: ■ ■ ■ ■ ■ ■

personal umbrella for agency principals errors and omissions comprehensive general liability workers’ compensation commercial automobile liability optional employment practices liability (additional charge and subject to underwriting approval)

Agencies of all sizes can benefit from IA&B’s umbrella program, which includes: ■ ■ ■

comprehensive coverage competitive rate structure Payment plans for any premium

To learn more, visit iabgroup.com and click “Insurance Products.”

Insurance is underwritten by Penn National Insurance. The description of this coverage herein is for illustration only and is subject to individual policy provisions.

Workers’ Compensation _______________________________

Market Options

Protect your business-owner clients from lawsuits resulting from work-related accidents. IA&B’s partnership with Agency Resources Inc. (ARI), gives you access to a small, mono-line workers’ comp program to expand your product offering and grow your business. Program highlights include:

Growing your business by selling more types of coverage is possible through IA&B’s Market Options.

A robust portfolio of coverages is available to members who want to reach more insureds or to grow relationships with existing customers through product cross-selling. These programs provide competitive commissions, yet have no volume requirements or access fees. Visit iabgroup.com and click “Insurance Products” to learn more.

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selection of carriers hundreds of business classes any size account multi-state availability same-day quotes pay-as-you-go option — clients pay premiums based on actual payrolls, not estimates

Premium Financing Help your clients manage the cost of their insurance coverage with premium financing. Available for personal and commercial lines, you can offer an affordable solution to clients who need coverage and a way to pay for it. Highlights of the program include: ■ ■ ■ ■ ■

guaranteed interest rate online quoting and servicing easy Quick Loan technology flexible payment terms optional credit card down payment

Premium financing can add to your agency’s bottom line. With competitive interest rates, you can add another source of revenue* to invest in your business.

For more information, visit iabgroup.com and click “Insurance Products,” then “Premium Financing.”

Personal Umbrella Policy _______________________________ With liability lawsuits leading to expensive jury awards, clients may not have the coverage they need with their current auto and homeowners’ policies.

Protect your clients’ financial well being by offering Personal Umbrella Policies (PUP) through RLI. A PUP’s stand-alone capability eliminates the complications of complying with underlying coverages. Program highlights include: ■

self-underwriting application

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ability to combine with another umbrella for additional coverage

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limits up to $5 million

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coverages above auto, home and rental properties

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broad underwriting guidelines

Home Business Insurance _______________________________ You can tap the home business market using RLI’s home business insurance, available through IA&B. Many entrepreneurs working out of their homes discover they are under insured only after suffering a loss. RLI helps you protect home business clients with coverages that are often excluded in homeowners’ and renters’ policies. With policies that are simple to rate and self-underwriting, you can quickly tell your clients if they qualify for coverage. Other advantages include: ■ ■ ■ ■ ■

business property protection up to $100,000 (with a $250 deductible) liability limits up to $1 million policies written on a standard BOP form electronic data processing coverage loss-of-income coverage

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Political, Industry and Legal Affairs IA&B is your voice

ADVOCACY

in Annapolis and throughout the industry by working to ensure that new laws, government regulations and industry trends are in your best interest (and helping you to navigate them, when they’re not).

We work to elect like-minded legislators and to encourage regulators to support the independent agency system.

We also offer resources to advise you on important legal and compliance matters. Stay informed through items in weekly Agent Headlines e-newsletters, monthly Capitol Connection updates and 24/7 resources at iabroup.com. More in-depth articles also appear on the pages of Primary Agent magazine each month.

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Political Action _______________________________ Join the legions of independent insurance agents trying to affect positive change by participating in IA&B’s grassroots action alerts and by making a contribution to AgentPAC — your state association’s political action committee. Donating to AgentPAC is how you can personally make a difference.

Your contribution helps ensure that agent-friendly candidates are elected and representing your interests in the halls of political power. Making an online contribution is easy and secure when you log on at iabgroup.com and click “Political Action Center.”

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seeking greater clarity and consistency with certificates of insurance

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pushing for a privately run health insurance exchange and ensuring the role of agents and brokers in such an exchange

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ensuring that agents — as business owners — don’t get pinched in revenue-generating proposals to address state budget deficits

Legal Affairs _______________________________ IA&B’s advocacy goes beyond lobbying lawmakers.

We protect member interests in the legal system and explain what court decisions and government regulations mean to them. Rely on IA&B to provide the information you need to make informed decisions.

For expert guidance on a legal question or situation, log onto iabgroup.com and click “Industry & Legal,” or refer to the specific resources described below.

Producer Agreement Toolkit Don’t let departing employees leave with your agency’s accounts. IA&B's Producer Agreement Toolkit is a Web-based resource that walks member agency owners through necessary provisions in producer agreements and spells out the consequences of improperly drafted contracts. It also contains a sample producer agreement for employees and independent contractors. Members can access this resource at iabgroup.com/patoolkit.

Fiduciary Responsibility Ensure your fiduciary accounts are in proper order using IA&B’s Fiduciary Responsibility Resource.

This online resource provides a solid foundation for you to thoroughly understand your legal requirements, how to manage those requirements and how to maximize FDIC protection on your accounts. To get your fiduciary duties in order, log on to iabgroup.com, and click “Agency Operations” then “Fiduciary Duties.”

Agency Termination When agencies and carriers part ways, contract laws, consumer rights as well as state laws come into play. This resource looks at the state agency termination statutes and answers frequently asked questions about the operation of that law.

Log onto iabgroup.com and click on “Carrier Relationships” then “Agency Termination.”

Contract Reviews IA&B provides reviews of and advocacy concerning carrier contracts. Advocacy on behalf of members is central to the mission of IA&B, with an emphasis on the protection of agents’ ownership of expirations and other key components of agency-company contracts.

Maryland Compliance On-Demand Remaining compliant with Maryland insurance laws and regulations is significantly easier with IA&B’s On-Demand seminar, Compliance Pitfalls and Ethical Responsibilities. This course highlights the most frequent violations and shows agencies how to remain compliant. IA&B General Counsel Jason Ernest, Esq. and Industry Affairs Director Claire Pantaloni, CIC, CISR lead this comprehensive seminar.

Learn more at iabgroup.com/on-demand.

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Education For an independent agency, knowledge

Designation Programs

can mean the difference between

IA&B offers designation and certification programs to give your staff the knowledge they need to be a greater asset to your agency. Professional designation pays dividends for the agency, employees and clients.

distinction and extinction. IA&B’s award- winning training programs make employees more valuable to their agencies and their clients. IA&B programs help you: ■ ■ ■ ■

build your insurance knowledge refine your sales and account-rounding skills manage your business more effectively serve your clients to protect their assets

Courses are offered in ways that work best for your agency:

This designation is recognized as the insurance industry’s highest sign of distinction. The curriculum goes beyond personal and commercial lines coverage basics to build a keen awareness of special policies, while exploring innovative ways to maximize clients’ coverage. Relevant, practical content is taught through five institutes: ■

Agency Management

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Commercial Casualty

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traditional classroom settings in your region

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Commercial Property

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on-site training right in your office building

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Life and Health

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online training through scheduled webinars

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Personal Lines

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on-demand content anytime, anywhere

Executive Management Conference (EMC) IA&B has designed programs exclusively for member agency owners to receive guidance on key management topics. These dynamic conferences focus on complex issues that require careful attention, but often get overlooked in the daily operation of running a busy agency.

Topics are identified by members through various means, including Member Agent Panel meetings, surveys, evaluations and member inquiries to IA&B. Recent conferences have focused on agency perpetuation, technology utilization to increase productivity and, last year, producer management.

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Certified Insurance Counselor (CIC) _______________________________

By attending EMC, agency owners will gain insight on the full scope of the issue and learn how to break it down into manageable components to implement.

In addition, talking and collaborating with experts helps owners re-prioritize key initiatives that help keep their agency viable.

Watch for specifics on the 2012 EMC in October, tentatively focused on agency marketing and scheduled in a new location — Gettysburg.

See the full institute schedule and register at iabgroup.com/CIC.

Certified Insurance Service Representative (CISR) _______________________________ This program coaches front-line employees — your CSRs, agents and agency managers — and lays the foundation for them to deliver exceptional customer service. It provides information on risks and exposures of personal and commercial lines while focusing on minimizing E&O claims and cross-selling coverages.

The program is comprised of five courses that are offered in classrooms or online: ■

Agency Operations

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Insuring Commercial Casualty

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Insuring Commercial Property

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Insuring Personal Autos

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Insuring Residential Property

See the full course schedule and register at iabgroup.com/CISR.

Certified Professional Insurance Agent (CPIA) _______________________________ This program teaches participants how to generate qualified leads and fine tune communication skills.

Three Insurance Success Seminars cover marketing and sales strategies that will maximize sales opportunities: ■

Position for Success

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Implement for Success

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Sustain Success

See the full institute schedule and register at iabgroup.com/CPIA.

Errors & Omissions Loss Control Learn how to avoid claims by attending E&O loss-control seminars through IA&B. We offer programs that explore different angles — from understanding how and why agents are sued to learning best practices for preventing claims. Loss-control credits are awarded for these programs.

The IA&B Power Hour is a free, hour-long webinar held every other month on topics of immediate concern to many member agents.

These live webinars will be led by industry topic experts who can speak to member concerns and offer valuable solutions.

For webinar details, visit iabgroup.com/PowerHour.

Licensing Preparation These programs are designed to take some of the anxiety out of taking licensing exams. IA&B self-study options are for both property & casualty and life & health lines.

Self-Study Package _______________________________ Packages include study schedules, checkpoint quizzes and online practice exams. This method offers the flexibility of learning on your own time and at your own pace.

Read more about licensing exam prep at iabgroup.com/ExamPrep.

Online and On-demand Training

See the full institute schedule and register at iabgroup.com/E&Oseminars.

NOTE: Utica E&O policyholders may be eligible for pricing considerations when completing these courses.

Special Topic Seminars Look for seminars coming throughout the year that will take you beyond the basics and into the complexity of different insurance coverages. 2012 kicked off with a full-day seminar entitled “Cyber Liability Exposures and Solutions.”

See the full institute schedule and register at iabgroup.com/education/SpecialTopics.

When the classroom offerings don’t fit your schedule, your area of interest or your learning style, you may be able to go online to obtain the professional development you need. IA&B’s webinars and on-demand programs (available anytime) can satisfy your training or CE requirements at your desk, at home, or wherever you have Web access. This training technology provides a convenient learning format that delivers the same quality instruction you expect from IA&B’s education curriculum. You learn relevant, timely information on various topics, including: ■

New Employee Orientation

On-site Training

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Delivering Quality Service

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Personal Lines Basics

Maximize your agency’s productivity and effectively train your staff right in your own office building. Meet your staff training goals without the travel expense and time spent out of the office by hosting any IA&B training program right on your premises. Contact the IA&B Member Service Center for more details on how you can bring on-site training to your agency.

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Commercial Lines Basics

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National Flood Insurance (on demand)

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Ethical Behavior and E&O (on demand)

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Compliance Pitfalls and Ethics (on demand)

NOTE: Courses leading to CISR designation are also offered online. Read about Web-based training by clicking “Educational Training” then “Web-based Training”

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Agency Operations Running an independent agency can

HR Solution© _______________________________

be as challenging as it is rewarding.

This resource helps agency administrators manage employment practices and become legally compliant with federal and state employer laws.

Fortunately, the following resources are available to help members effectively and efficiently manage their business to achieve success.

Getting Started Start-up Agency Toolkit _______________________________ New agencies may need extra help in getting established, so we’ve developed “ABC’s for New Agencies," a Web-based tool that covers the essentials of starting an insurance agency. This resource explains the American Agency System and the different corporate structures available. It covers licensing, business plans, E&O insurance and various compliance components — like privacy, handling client money and procedure manuals.

Log on to iabgroup.com/start-up to access this member benefit.

Employee Management Your staff may be your agency’s greatest asset, but without proper due diligence, bad apples can become a liability. IA&B provides tools to help you manage human resources while protecting the best interests of your business. These are briefly described in this section with more information available by logging onto iabgroup.com, and clicking “Agency Operations” then “Employee Management.”

Note: Many of these resources are available only to individuals designated as your “Agency Administrator” with IA&B. Contact the Member Service Center for more information.

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HR Solution© provides a solid foundation for setting proper employment practices through these base products: ■

human resources audit survey

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employee handbook template

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administrative and compliance guide

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consultation services (call 610-779-3870)

Benchmarking _______________________________ Marsh Berry Evaluate and improve your agency’s value using Marsh Berry resources. Learn innovative management techniques and benchmarking services in the areas of finance, operations, sales and marketing and strategy to position your agency for success. IA&B members save $100 off the annual basic subscription fee.

Emergency and Business Continuity Planning Avoid financial loss and unnecessary downtime when disaster or emergency strikes. IA&B’s Emergency Planning Manual will help you bring order to chaos in recovering your agency from a natural disaster or any sudden emergency.

This Web-based tool allows you to create your agency’s personalized plan, which you can access anywhere, anytime to act decisively and smoothly to restore your agency operations. To develop and implement your emergency plan, go to iabgroup.com and click “Agency Operations” then “Emergency Planning.”

Business Services IA&B members have access to products and services (some at discounted member rates) used in the daily operation of their businesses. Briefly described in this section, these are available through our alliances with nationally recognized companies. Learn more by logging onto iabgroup.com and clicking “Agency Operations” then “Discount Services,” or call our Member Service Center at (800) 998-9644

Retail Benefits ________________________ New for 2012, Retail Benefits is an online shopping portal that member agency staff can use to purchase any of 300 million products from 5,000 retailers like the Gap, Best Buy and most other familiar retailers in the market. These merchants offer discounted prices through Retail Benefits, and participating agencies get cash back rewards for every purchase made by their staff through the shopping portal. Watch Agent Headlines for more details regarding this new member benefit.

Print Products ________________________ Communicate your agency’s brand with customized printed materials.

An extensive selection of office supplies, business forms, stationery and promotional items is available at discounts.

Technology Technology tools can increase productivity and pay real dividends when used effectively.

The “Technology” section of iabgroup.com offers a collection of resources to bring you up to speed with this ever-changing aspect of your business.

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Publications and Communications Keep up on important issues and

Agent Headlines

industry trends with IA&B’s

This weekly electronic newsletter keeps you up to speed on the latest information you need. It covers industry and financial news, state-specific legislative activity, company ratings and announcements from IA&B. Special editions alert you to breaking industry news.

print publications and electronic communications. These resources deliver information you need to make informed decisions essential

Capitol Connection Stay in touch with IA&B’s legislative initiatives on both the state and federal level with this monthly e-newsletter. Sent at pivotal times in the legislature’s cycle, Capitol Connection gives you insider details about issues that impact you the most.

to your business.

IA&B Website Whether you’re looking for a business solution or simply more information, look to iabgroup.com first.

All the benefits and resources available to you as a member are just a few clicks away. Real-time capabilities make online registration for seminars and other services a snap. Members receive quick and unlimited access to state-specific, password-protected information not available to the general public.

Social Media The longer you put off joining the conversation, the more you’re missing. IA&B is facilitating professional and informative exchanges on the social Web. Discuss trends and network with colleagues by joining IA&B’s LinkedIn group.

Read timely updates on your association’s activities and breaking industry news by following IA&B on Twitter.

Primary Agent Magazine MARYLAND

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INTHISISSUE: Earthquake insurance shakes up sales How one coastal agency weathered Hurricane Irene IA&B offers business continuity tool

Packed with news and information, Primary Agent magazine gives you an insightful look at issues affecting the workplace, industry and association.

Each monthly issue includes state-specific news, commentaries on coverage and preventing errors and omissions, and other articles of interest to independent agents. Hard copies are mailed to agency principals while all agency employees receive access to digital editions at iabgroup.com.

Marketing and Branding Supporting members’ efforts to

Consumer Brochures from IA&B _______________________________

promote their agencies is a strategic

Promote your agency while protecting your clients by using customizable consumer brochures from IA&B. Add your agency logo and contact information to keep your name in front of current and prospective clients as you help them make informed decisions.

priority for IA&B this year. From branding basics to sophisticated online marketing tactics, members will find a variety of resources that will help them better position their agencies in the highly competitive

IA&B’s Family Risk Brochure comes in a self-mailing, questionnaire format that allows clients to provide you with details on their family activities so you can determine the right type of coverage to fit the liability. This is also a great tool for generating prospect leads.

Watch for more brochures and other multi-purpose consumer content in 2012.

insurance marketplace.

Online Resources _______________________________ e-Newsletters _______________________________ How do your clients and prospects want to receive information? If they prefer e-mail, IA&B offers an easy, affordable way to send them an informative, professional-looking electronic newsletter. A collection of professionally written articles and design templates that can be customized for your agency make effective e-mail communication and marketing manageable.

A variety of resources are available online at iabgroup.com. Click “Agency Operations,” then “Marketing and Branding.” You’ll find links to helpful articles on topics such as: ■

A balanced approach to agency marketing

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Conducting an image audit

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Differentiate yourself in employee benefit sales

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Is your agency ready to brand?

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Marketing yourself

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Racing ahead in the sluggish market

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The best Web marketing strategy you’ve never heard

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The new marketing mix: Where will you meet your customers?

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The social networking train has left the station

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Tips for selecting a graphic design firm or advertising agency

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Carrier Relations Company Satisfaction Index

IA&B leads the way in building positive relationships between agents and carriers.

The “Carrier Relationships” area of iabgroup.com offers

IA&B’s Company Satisfaction Index (CSI) survey is a valuable tool for comparing your experiences with carriers to those of other agents. This information can be used when considering new carriers. The CSI report provides member feedback on four key areas: ■

Products, Pricing and Underwriting

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Policy Service and Claims

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Agency/Company Relationship

Satisfaction Index, a yearly

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Technology

member survey that serves

This Year, members will be asked to rate only their top personal lines carriers. The 2013 CSI report will alternately rate commercial carriers.

contract analyses and other company-specific information, as well as the searchable results of IA&B’s Company

as a benchmarking tool for carrier satisfaction.

Coverage Issues Make sure you are up to date on changing coverage issues to best serve your clients and maintain your agency’s reputation.

As with many provisions of our policies, the courts are often divided.

Even our insurers who provide the iabgroup.com (800) 998-9644 Online Benefit ______________ Page 12

coverage are not too sure... Good luck!

– Jerry Milton, CIC

In the “Coverages” area of iabgroup.com, you will find a collection of coverage resources authored by Jerry Milton, CIC, covering topics such as: ■ Auto ■ Business Owners’ ■ Homeowners’ ■ Workers’ Compensation ■ Commercial General Liability ■ Flood ■ Life ■ State-specific coverage issues

Listed below are those companies that strongly support the independent agency system and Insurance Agents & Brokers.

Thank you for your continued sponsorship.

Partners Program Partners Program IA&B Partners IA&B Partners are qualified companies who receive year-round exposure to key decision makers within independent insurance agencies.

Partners can choose from four levels of sponsorship (Platinum, Gold, Silver or Bronze), depending on the level of exposure they desire.

What’s in it for Partners?

■ full-page, full-color feature article in Primary Agent magazine ■ recognition on iabgroup.com for a full month with a link to your company’s feature article ■ monthly listing as a Platinum Partner in Primary Agent

PLATINUM LEVEL

BRONZE LEVEL

ACUITY Berkley Mid-Atlantic Group Donegal Insurance Group Erie Insurance Group Harleysville Insurance Highmark Casualty Insurance Co Insurance Agents & Brokers Service Group Inc

Aegis Security Insurance Co

MMG Insurance Company Millers Mutual Group Millville Mutual Insurance Co Mutual Benefit Group Ohio Casualty Penn National Insurance Selective Swiss Re The Main Street America Group Utica National Insurance Group

GOLD LEVEL Progressive Westfield Insurance

SILVER LEVEL

■ recognition at professional training programs and other IA&B events

Access Insurance Company Allied Insurance American Mining Insurance Co Cumberland Insurance Group Frederick Mutual Insurance Co Juniata Mutual Insurance Co PSBA Insurance Trust The Philadelphia Contributionship

■ member rates on IA&B CE programs for all company employees ■ Agent Headlines weekly e-newsletter for all company employees

AmWINS Program Underwriters Inc Auto-Owners Insurance Company Briar Creek Mutual Insurance Company Builders Insurance Group Chubb Group of Insurance Companies Countryway Insurance Company Encompass Insurance First General Services Foremost Insurance Group Goodville Mutual Casualty Company Guard Insurance Group Harford Mutual Insurance Co Hanover Fire & Casualty Insurance Company Insurance Alliance of Central PA Inc Insurance House Insurance Placement Facility of PA Keystone Insurers Group Inc

■ logo in Agent Headlines e-newsletter once every month

■ listing in the IA&B Professional Training and Member Benefits Catalogs distributed to members and prospects

Agency Insurance Company

Lebanon Valley Insurance Company Mercer Insurance Group Merchants Insurance Group Mercury Casualty Penn PRIME Municipal Insurance Reamstown Mutual Insurance Company Rockwood Casualty Insurance State Auto Mutual Insurance Company TAPCO Underwriters Inc The Brethren Mutual Insurance Company The Motorists Insurance Group The Mutual Service Office Inc Travelers Tuscarora Wayne Insurance Company Zenith Insurance

Find help through IA&B’s Member Service Center

Driving members to distinction.

Whether you need assistance using iabgroup.com, have a question about insurance coverage or are looking for information about a particular topic, call the IA&B Member Service Center. We’re here to help you get the information you need and answer your questions. Call us anytime at (800) 998-9644, option 0 or e-mail iab@iabgroup.com.

5050 Ritter Road Mechanicsburg, PA 17055 iabgroup.com (800) 998-9644 Join our group Follow us

Driving members to distinction.