The Underwriter's Insider March 2016 by The Underwriter's Insider

IN THIS ISSUE March 2016 Vol 12 Issue 3

Med Pros Indicted in MultiMillion Dollar Workers’ Comp Scheme

A complex investigation into one of the largest cases of workers’ compensation fraud in CA department history...

Alliant Acquires Aviation Insurance Pioneer John F. Throne & Co The Seattle-based company is one of the nation’s largest insurance agencies with a rich history and multi-generational leadership.

Five Windows Tricks You Need To Know Windows 10 is now installed on more than 200 million gadgets worldwide. That’s quite a feat in the tech world since its official release was only 6 mo’s ago. - Kim Komando

Innocent or Intentional Misrepresentation Requires Rescission Sometimes courts think insurance is a government entitlement rather than a contract between two parties.

Islamophobia? No. It’s Factophobia. 14.2% of hate crimes based on religion were victims of anti-Muslim bias; in 2012, it was 12.8% while victims of anti-Jewish bias comprised 56.8% of the victims.

Former Georgia Agent Arrested In Florida for insurance fraud Florida nnounced the arrest of William David Rodeffer III for allegedly accepted insurance premium payments from two clients for insurance never purchased.

Unmasking Obama’s Mosque Speech

Page 9

By failing to unmask Islam for what it really is, Obama leaves us a rattlesnake, relieved of its rattle but not of its venom.

Florida CFO Hires Joel Brown As Press Secretary Joel previously served as the Department’s Tampa Bay Regional Manager where he focused on constituent services and community outreach.

Hilarious! Jesse Waters Interviews Bernie Sanders Supporters There are few things more frightening then knowing these students may well decide who will be our president come November. Trouble Viewing The Insider? Five Hot Tips To Make It Easier From time to time I hear from a reader having difficulty viewing The Insider. Here’s a few tips to maximize your viewing experience.

Clinton’s Top Aides Also Handled Top Secret Info Found On Her Server We know...that their acceptance discussion and transfer of this information is a felony. We know the FBI now has leverage...

Beware The Arc Flash Exposure! Unfortunately, far too many commercial insurance agents and underwriters do not know about a serious issue that can cost the carrier dearly...

Sex: Where is Technology Taking It? If cuddling up with some virtual reality goggles, bio-gel containing billions of nanobots and a wi-fi connection is your idea of romance, your future may be bright.

AccuAuto Is Now AccuAgency AccuAuto announced an official branding change from AccuAuto to AccuAgency

Robert Hunter Claims Renters Being Ripped Off by Auto Insurors Long-time antagonist of the insurance industry raised new charges of unfairness...

Unbelievable Vintage Ads From the Mad Men Era Illustrate Cultural Change

Blogger JR lets lose with an epic rant on the evils and folly of Socialism

Millennials & The Stinking Economic Rot of Socialism The Insider Advisor tackles the issue of Young Americans and Their Attraction To Socialism

But She’s Gonna Rein In Wall Street? Hillary Clinton responds to revelations she was paid $675,000 By Goldman Sachs for 3 speeches while promising to increase regulation on the same Wall Street brokers.

Media Satarist Mark Dice Spoofs Hillary Clinton Voters Most are more than happy to sign petition making Karl Marx V-P Choice!

Insurance Fraud Operation Alleged In SW Alabama Investigators announced the arrests of four suspects for staging structure fires, auto accidents, and injury accidents to make fraudulent claims.

Lockheed “Skunkworks” Developing QSST - a Quiet Supersonic Transport The new passenger jet is expected to fly as fast as 1,370 MPH or Mach 1.8 at 60,000 ft. while generating a sonic boom only 1% as loud as the Concord.

This month we feature a vintage Wyenberg Shoe ad.

But They Are Contemptible Thieves...

FEATURES 5

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Kim Komando

Inside Track

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Additional Grand Theft Charges Filed Against Orange County Agent Florida investigators announced additional charges against Mario Ferreri after another incident of a stolen

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Cover Photo: © R. Manera USS Pampanito

NEWS

MEDICAL PROFESSIONALS INDICTED IN MULTI-MILLION DOLLAR KICKBACK AND BRIBERY SCHEME

AN DIEGO, Calif. — A Office, and the San Diego complex investigation District Attorney’s Office. The into one of the largest operation was first announced cases of workers’ compensation in November when federal health care insurance fraud indictments were handed down to eight defendants including in department doctors and their history has led to Medical associates. 13 indictments professionals announced providers today against indicted in multi- “These built an seven Southern million dollar elaborate and Californiaillegal kickback based medical kickback and and bribery professionals. bribery scheme. scheme that bought and This is the second wave of indictments against sold patients — putting profits attorneys, doctors and medical ahead of patient medical needs,” providers who ripped off nearly said Insurance Commissioner Jones. “Workers’ 20 insurance companies by Dave taking kickbacks totaling nearly half a million dollars for treatments, including chiropractic, pain management, echo cardiograms and even sleep studies resulting in millions of dollars of fraudulent workers’ compensation insurance claims.

compensation is designed to protect injured workers and legitimate businesses, not create a fraudulent profit center for providers bent on taking advantage of the system. Fraudulent enterprises like this create a multi-billion dollar drain on California’s economy.” Commissioner Jones has made combatting medical provider fraud a major priority for the department, devoting additional resources and establishing a statewide task force to investigate these crimes. See MED PROS INDICTED Page 27

These indictments are the result of a joint investigation by the Department of Insurance, FBI, U.S. Attorney's 4

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March 2016

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NEWS

ALLIANT ACQUIRES AVIATION INSURANCE PIONEER JOHN F. THRONE & CO. Seattle-based agency is one of the largest and most influential forces in commercial aviation insurance brokerage

commercial aviation companies throughout the United States. Over 65 years in the business, the agency has built an unrivaled reputation for delivering EWPORT BEACH, Calif.-- meticulously crafted insurance (BUSINESS WIRE)--Alliant programs from the soundest of Insurance Services, markets. the nation’s largest specialty insurance brokerage firm, has “Alliant has a proven history acquired aviation insurance of performance in insurance pioneer John F. Throne & Co. brokerage,” said Michael Throne, The Seattle-based company President and CEO of John F. is one of the nation’s largest Throne & Co. “This partnership independently-owned aviation will solidify our legacy of service insurance agencies, with a rich to the aviation industry, adding history and multi-generational valuable tools and resources to leadership. our arsenal.”

“Alliant has a proven history of performance in insurance brokerage. We are fortunate to have one of the most influential firms in the aviation industry join us in a lead role,” said Tom Corbett, Chairman and CEO of Alliant. “In an ever-changing market climate, John F. Throne & Co. has continued to adapt and innovate, and its reputation for service and expertise echoes our company’s core values.”

The agency was founded by John F. Throne, a pioneer in aviation insurance. After establishing the region’s first aviation insurance underwriting operation in the 1940s, Throne would found the company bearing his name in 1951. Under his son Michael’s leadership since 1984, John F. Throne & Co. remains one of the aviation industry’s most disciplined and service-oriented insurance partners.

With roots dating back to the field of aviation’s infancy, John F. Throne & Co. provides a broad range of insurance and risk management solutions to

John F. Throne & Co.’s leadership, client services, and business development teams will remain in place. Terms of the acquisition were not disclosed.

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March 2016

INSURANCE • POLITICS • TECNOLOGY • PEOPLE A Publication of AdMax Corp., Inc. Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Publisher/Senior Editor Join Me On Linkedin: HERE Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com

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March 2016

TECHNOLOGY

5 WINDOWS 10 TRICKS YOU NEED TO KNOW

Really Cool Info - by Kim Komando

indows 10 is now installed on more than 200 million gadgets worldwide. That’s quite a feat in the tech world since its official release was only 6 months ago on July 29, 2015. If your computer is one of those gadgets, you’ve probably found Windows 10 has its share of sheer winning features and unfortunately, very frustrating steps.

Start menu. Instead, Microsoft replaced it with a touch-friendly Start screen that left desktop and laptop users with a mouse and keyboard out in the cold.

When you first install Windows 10, your Start menu has programs on the left with app icons on the right. Some app icons are “live tiles” that update with new information, such as the current weather, new messages and more, automatically. Of course, you might not want these hogging up space if you don’t use them, or you want your own app or program icons there. Fortunately, customizing is simple and flexible.

Of course, getting used to a new operating system always takes time and effort. You have to relearn tricks, find where familiar items have moved or change things around to suit your style of computing. Let me help you along with a few insider tips on taking control of the new Start menu, improving privacy, finding the traditional Control Panel, cutting down on annoying notifications and more.

Simply right-click on any App icon to resize it or unpin it from the Start Menu. Selecting “Unpin from Start” takes it away. You can also uninstall programs with a rightclick as well.

To add an app to the tile area, click and drag its icon Microsoft wisely elected to bring from the left column or right-click back the Start menu for Windows on an app icon and choose “Pin to 1. TAKE CONTROL OF THE 10. This time, it incorporates Start.” START MENU great features of the Start screen, One of the biggest problems such as “live tiles” for getting Once the icon is located in the with Windows 10’s predecessor, information from apps without Windows 8, was the lack of a opening them. See Kim Komando Pg 45 www.underwritersinsider.com

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March 2016

INSURANCE & THE LAW

INNOCENT OR INTENTIONAL MISREPRESENTATION REQUIRES RESCISSION Expert Analysis & Commentary by Barry Zalma, Esq., CFE The Equitable Remedy of Rescission Sometimes courts think insurance is a government entitlement rather than a contract between two parties. In H.J. Heinz Company v. Starr Surplus Lines Insurance Company, Slip Copy, United States District Court, W.D. Pennsylvania 2016 WL 374307 (02/01/2016) the US District Court for the Western District of Pennsylvania, remembered the reality and that “An insurance company has the unquestioned right to select those whom it will insure and to rely upon him who would be insured for such information as it desires as a basis for its determination to the end that a wise discrimination may be exercised in selecting its risks.” [Robinson v. Occidental Life Ins. Co. (1955) 131 Cal. App.2d 581]

The Issues This case involves an insurance coverage dispute between Plaintiff/Counterclaim-Defendant H.J. Heinz Company (“Heinz”) and Defendant/Counterclaim-Plaintiff Starr Surplus Lines Insurance Company (“Starr”).

insurance contracts and Section 3105 of New York’s Insurance Law sets forth the basic framework for rescission. [N.Y. Ins. Law § 3105] It states in relevant part that: “No misrepresentation shall avoid any contract of insurance or defeat recovery thereunder unless such misrepresentation was material.”

Join Barry Zalma’s new Blog:

New York case law instructs that both intentional and unintentional misrepresentations The Counterclaim seeks the will void a contract of insurance if equitable relief of rescission of the misrepresentation is material the insurance policy, and thus because it is unfair to deceive an the final determination of that insurer into issuing an insurance claim is one for the Court, even policy it would not have issued though the Court decided to had it known the truth. employ an advisory jury after Starr Underwriters consultation with counsel. Credibly Explained Why the Misrepresentations Were Discussion Material. http://www.zalma.com/blog

New York applies the Marine Starr Rule with regard to rescission of

underwriter

Jill

Peev

Barry Zalma, Esq., CFE, practiced law in California for more than 43 years as an insurance coverage and claims handling lawyer. He now limits his practice to service as an insurance consultant and expert witness specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He founded Zalma Insurance Consultants in 2001 and serves as its only consultant. 10

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March 2016

had 8 years of experience in underwriting in contamination insurance policies, and Christian Waeldner, to whom she reported, had 15 years of experience doing the same. The judge concluded that they both credibly testified to support a finding that misrepresentations by Heinz were material, meaning that had the underwriters known of these misrepresentations, they would have declined to issue the same or substantially the same policy on the same terms. The judge also concluded that Heinz concealed from Starr: • The January 2014 China Nitrite Loss, wherein Chinese Government food safety agents detected that Heinz baby cereal products were contaminated with levels of Nitrite that exceeded the limit imposed by Chinese law, which prompted Heinz to conduct a “silent recall.” Heinz eventually destroyed 245,000 pounds of product, and the loss was $11-12 million. This loss was intentionally not disclosed to Starr or other prospective insurers on the purported basis (according to Mr. Ascher) that the loss would not have been covered by a Contaminated Products Insurance (CPI) policy. The Court notes, however, that Application Question 11a sought the disclosure of all withdrawals, recall and stock recoveries “whether or not insured or www.underwritersinsider.com

insurable under” a CPI policy. Regardless of Question 11a, these events should have triggered a “yes” to Question 6e — which broadly asked about government regulatory issues. • The 2013 China Mercury Loss, wherein Heinz’s tuna-based baby food was contaminated with mercury, the product was recalled, and Heinz was fined in July of 2013 by the Chinese Government. In Heinz’s response to Question 6e, Heinz represented that it had not been fined by a governmental agency in the last three years, which was false. • The 2008 Listeria Loss, wherein Heinz’s San Diego facility was found by the United States Department of Agriculture to be contaminated with Listeria, resulting in a loss of at least $12.7 million. Although the Listeria event was provided to Starr, the associated loss amount was listed as a dash (“-”), which the testimony established denoted as a “$0 loss.” Regardless, prior versions of the loss history by Aon to Heinz correctly disclosed a $12.7 million loss, but those versions were never provided to Starr. Mr. Ascher the Heinz representative testified that he purposefully removed this information from the “updated” loss history that Heinz submitted to insurers. In fact Mr. Ascher’s predecessor at Heinz had previously determined that the non-disclosed Listeria loss was a covered loss, and the loss would have been covered by an ACI Policy. Table of Contents

• Other smaller losses in 2014, including one in Canada and two in New Zealand, were not disclosed. Heinz contended those losses were disclosed but offered no credible evidence of disclosure. Alex Pittignano, Senior VicePresident at Starr, testified credibly that these misrepresentations were material. Mr. Ascher, a sophisticated business person in an executive position at Heinz, was responsible for completing and signing/certifying the Insurance Application pursuant to his newly acquired role as Global Insurance Director. The undisputed evidence revealed that Heinz had a form of Product Contamination Insurance prior to 2013, subject to a $20 million self-insured retention (SIR) but Mr. Ascher knew that the new Heinz senior management did not continue coverage as part of a cost-reduction measure. After Mr. Ascher was hired, he recommended to Heinz senior management that Heinz obtain this coverage again — but he needed a lower SIR and/ or a lower premium in order to gain the support of Heinz senior management. Thus, on behalf of Heinz, Mr. Ascher, who considered himself to be an “expert” on matters relating to insurance, sought proposals to See ZALMA Pg 39 March 2016

OPINION

ISLAMOPHOBIA? NO. IT’S FACTOPHOBIA.

OP/ED BY GUEST COLUMNIST RYAN S. BOMBERGER

ast night’s [Jan 28th] Fox/Google GOP debate, without the court jester, was finally a substantive conversation. I appreciate moderators who aren’t afraid to ask tough questions and not accept canned responses. Unlike the disastrous CNBC GOP debate, Fox’s Kelly, Baier, and Wallace didn’t rely on presenting lies in the form of supposedly objective questions. But Fox failed miserably with one particular question. Their partnership with Google brought a young, Muslim Youtube “activist”, Nabela Noor, to the debate via video. She asked the following question: “In 2015, the number of hate crimes against Muslims

in the U.S. has tripled and on social media, where I spend a lot of time, I’ve seen many attacks directed towards fellow Muslims. This culture of hatred is only driving ISIS to radicalize, recruit, and incite violence. As president, what would you do to address this toxic climate and promote increased tolerance in the United States?” One would think a news network would fact-check a question for a Presidential debate. In an effort to appear “diverse” or to try to embarrass the absent and unfortunate frontrunner

Donald Trump (who has expressed unapologetic, absurd, and sometimes unrealistic views about combatting Islamic terrorism) no one bothered to notice the premise of the question. First of all, as someone who is half white and half black (or simply just American) I hate the label of “hate crime”. The only action that is not a hate crime today is violence targeted toward a white heterosexual male. Apparently, that kind of behavior is some form of retributive, racial and gender

Ryan has a rather unique perspective of the innate nature of Purpose. His biological mother was raped yet courageously chose to continue the pregnancy, giving him Life. He was adopted as a baby and grew up in a loving, multi-racial Christian family of 15. With siblings of varying ethnicities, he grew up with a great appreciation for diversity. Ten of the thirteen children were adopted in this remarkable family. His life defies the myth of the “unwanted” child as he was adopted, loved and has flourished. Today, he is an Emmy Award-winning Creative Professional who founded The Radiance Foundation (TRF), a life-affirming 501(c)(3), along with his wife, Bethany. His published articles regularly address the cultural dynamics of abortion, civil rights, eugenics, fatherlessness, natural marriage, racism, poverty and the beautiful act of adoption. Sometimes his thoroughly researched and pointed remarks rile establishment folk, like the nation’s oldest civil rights organization, the NAACP. 12

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That’s a total of 184 people (of what specific nature, we don’t know). Out of a nation of nearly CLASSIFIEDS! 320 million, that’s .00006 percent of the American population targeted with nebulous “hate”. HELP WANTED — POSITION (Keep in mind, New York City WANTED 4 — SALE ITEMS now wants to fine people for hate crimes if they wrongly refer to a biological male/female who CLICK HERE! is “transgender” as “he”, “she”, “him”, or “her”. Pronouns are not hate speech). In 2013, 14.2% of justice according to the hate crimes based on religion subscribers of nonsensical were victims of anti-Muslim “White Privilege” ideology. bias; in 2012, it was 12.8%. Just Who commits verbal or to give perspective, victims physical violence toward of anti-Jewish bias comprised another out of love, anyway? 56.8% of that year’s victims. But no one addressed that in the That being said, there are no debate. hate crime statistics for 2015. The FBI is the main source Quite honestly, when we see

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“In 2013, 14.2% of hate crimes based on religion were victims of anti-Muslim bias; in 2012, it was 12.8%. Just to give perspective, victims of anti-Jewish bias comprised 56.8% of that year’s victims. But no one addressed that in the debate.” of this data, and the latest available are from 2014. The last three years reveal a slight increase in hate crimes targeted at Muslims, but unless she’s using some form of common core math, the increase is miniscule, not tripled. Context is always important. In 2014, 16.1% of the 1,140 victims of religiously based “hate crimes” were targets of anti-Muslim bias.

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Islamic terrorism domestically and abroad, it’s surprising

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the restraint that Americans have shown. And why is that? Because we are a nation of tolerance even in the face of such despicable violence that is perpetrated, worldwide, by predominantly one religion— Islam. This doesn’t even include the vile subjugation of women (in varying degrees) in every Muslim nation. I don’t want to hear about tolerance from a Muslim activist, living in the freest nation on earth, touting the most demonstrably oppressive religion on earth. So, Ms. Noor is free to make up her accusations like she makes up herself in her YouTube cosmetic videos, but she shouldn’t be given a platform of such serious import to spread her Islamaphobia propaganda. This is a Presidential debate, not a high-school cafeteria conversation. She, and many liberal activists like her, suffer from factophobia. They will throw out any false accusations to advance an See Islamophobia?- Page 47 Instagram! Follow Me: @rmanera

March 2016

INSURANCE CRIME

FORMER GEORGIA AGENT ARRESTED IN FLORIDA FOR INSURANCE FRAUD

ULEE, Fla. – The Florida Division of Insurance Fraud (DIF), which operates under the direction of Chief Financial Officer Jeff Atwater, today announced the arrest of William David Rodeffer III of Folkston, Georgia. Rodeffer allegedly accepted insurance premium payments from two clients for insurance policies that were never purchased. Nearly $40,000 in premium payments was paid to Rodeffer on these two policies, one of which was for workers’ compensation insurance. The consumer who believed he purchased a workers’ compensation policy had an employee who was injured and as his employer, he was left to cover an added $30,000 in medical bills and lost wages. In total, early $70,000 in financial losses were caused by Rodeffer. Once licensed as an insurance agent in Georgia, Rodeffer was working with an agent in Georgia but moved by Yulee when they opened a second office there. He applied for a license in Florida but was denied because of his criminal history, meaning he was not qualified to transact insurance business in Florida. DIF’s investigation revealed that for nearly three years, Rodeffer

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continued to illegally sell insurance policies in Florida despite his denied application for licensure. It was during this time that he repeatedly accepted premium payments from two clients for policies he never purchased, meaning that customers never had coverage.

and $30,000 in medical bills to cover. The second client, American Legion Post 283, was led to believe they held general liability property insurance coverage after providing multiple premium payments to Rodeffer. DIF’s investigation went on to show that Rodeffer failed to obtain insurance coverage for them as well. Rodeffer is currently awaiting trial in Georgia for similar charges and had previously been charged in 2014 by the Nassau County Sheriff’s Office for a separate but similar offense.

William David Rodeffer

Investigators believe strongly that other victims – specifically senior citizens – remain in Florida.

Rodeffer was booked on February One of the clients, a 91 year-old 9, 2016 into the Duval County PreFloridian, thought he purchased Trial Detention Center with a bond a workers’ compensation policy of $200,024. He has been charged from Rodeffer. It wasn’t until with one count of grand theft from one of the workers under the a person 65 years of age or older, policy was injured and filed a grand theft, scheme to defraud, claim against the policy sold by and five counts of conducting Rodeffer that it was realized the insurance related business while policy never existed. At least 10 being unlicensed. premium payments were made This case will be prosecuted by only to find out that all those the Office of State Attorney Joe payments were kept by Rodeffer Licandro of the 4th Judicial Circuit leaving the 91 year-old without and if convicted, Rodeffer faces up workers’ compensation coverage to 60 years in prison. Table of Contents

March 2016

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OPINION -

GUEST CONTRIBUTOR LT. COLONEL JIM ZUMWALT, RET.

UNMASKING OBAMA’S MOSQUE SPEECH First Printed in The Blaze HERE

the Brotherhood does in its own yard is its own business. However, resident Barack Obama’s this ignores its game plan—in speech at the Islamic place now for 25 years—seeking Society of Baltimore to impose its goal upon us in our mosque in Maryland on February own yard. 3 masked what the president wanted hidden.

What he hid in choosing this particular mosque, delivering the message he did and not unmasking the one eternal divide between Islam and all other religions is unconscionable. It was an effort to minimize the threat a venomous rattlesnake poses by simply removing its rattle—serving only to reduce one’s reaction time before it strikes.

The Brotherhood secretly wrote an action plan in 1991, known as “the Project,” detailing how To understand this symbolism, to destroy the U.S. from within. one first must understand Exposed in 2004, it still is being Obama’s inexplicable and unholy implemented today through Muslim Brotherhood alliance. various Brotherhood U.S. front companies. It seeks to undermine The Brotherhood’s motto makes U.S. laws, gradually replacing no effort to hide its goal: “Allah is them with shariah, using political our objective; the Prophet is our correctness and our own laws leader; the Koran is our law; Jihad against us. is our way; dying in the way of Allah is our highest hope.” In fact, it was with such a front company, the Council on One might choose to dismiss American-Islamic Relation—a this goal with the notion, what 2007 unindicted co-conspirator The Underwriter’s Insider

Before CAIR was labeled an unindicted co-conspirator, the FBI had partnered with it to develop a better rapport with Muslim communities. However, the label led the FBI to sever that relationship as it did “not view CAIR as an appropriate liaison partner.” Since then, CAIR has aggressively opposed FBI efforts to counter violent Islamism. In 2014, even after the Brotherhood and CAIR terrorist designations were issued by the United Arab Emirates, Saudi Arabia and Egypt, Obama continues to embrace both.

Lost upon most Americans but not most Muslims was the symbolism attached to the mosque where Obama spoke.

in one of the largest terrorist financing trials in U.S. history— Obama colluded to select the Baltimore mosque.

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The mosque CAIR helped select fell under FBI surveillance in 2010 after a member was arrested for planning to bomb a U.S. Army recruiting center. The mosque previously had been led for 18 years by an imam who taught suicide bombings were sometimes justified. Rather than selecting a mosque symbolizing Obama’s claim Islam is a peaceful religion, he chose one symbolizing radical Islam. What message does this convey March 2016

ieutenant Colonel James Zumwalt is a retired Marine infantry officer who served in the Vietnam war, the 1989 intervention into Panama and Desert Storm. An internationally acclaimed best-selling author, speaker and business executive, he also currently heads a security consulting firm named after his father— Admiral Zumwalt & Consultants, Inc. Zumwalt writes extensively on foreign policy and defense issues, having written hundreds of articles for various newspapers and magazines, including USA Today, The Washington Post, The New York Times, The Washington Times, The LA Times, The Chicago Tribune, The San Diego Union, Parade magazine and others. His articles have covered issues of major importance, oftentimes providing readers with unique perspectives that have never appeared elsewhere. This has resulted, on several occasions, in his work being cited by members of Congress and entered into the US Congressional Record. He is available for speaking engagements and can be reached at jgzumwalt@aol.com

to non-Muslims wanting to found ourselves fighting our first believe Islam is peaceful? What two wars against Islam’s Barbary message does it convey to pirates. They had attacked our Muslims wanting to distance their ships and enslaved American religion from violence? And what crews, claiming Islam sanctioned message does it convey about unprovoked attacks against nonObama’s continuing ties to a group Muslim nations. still committed “Obama’s mosque What we can thank to fulfilling “the Muslims for is speech on Islam Project’s” goal? an ideology that is most telling prompted our In his comments, both for what it Obama thanked masks and fails to Founding Fathers to understand, after Muslims for their unmask.” the first Barbary contributions to America “starting in colonial war, the need to fund a naval force times.” He suggested thank you with which to fight, what they is something they do not hear foresaw, as a likely second war. enough. Obama’s Baltimore speech Perhaps America lost sight of criticized anti-Muslim political such contributions because, as rhetoric as “inexcusable” and a newly independent nation, we having “no place” in America— www.underwritersinsider.com

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adding that “an attack on one faith is an attack on all our faiths.” But that begs the question, what rhetoric, then, is appropriate about Islam? As the Koran arguably contains 109 violent verses, are these open to discussion? What about the Koran’s claim Islam is superior to all other religions (3:85)? Do not such statements throughout the Koran suggest Islam, by its very existence, is an attack against all other faiths— or does this discussion, too, constitute inexcusable rhetoric? Praising America’s tolerance towards all religions—quoting Benjamin Franklin at one point (“even if the Mufti of See Mosque Speech Page 18 March 2016

OPINION -

NEWS

CONTINUED

Continued From Page 17

UNMASKING OBAMA’S MOSQUE SPEECH

a group Muslims themselves victimize—Jews. Jews have long been so targeted. FBI statistics reveal, for religiously-biased hate crimes in 2012, anti-Jew incidents vastly outnumbered anti-Muslim ones 62.4 percent to 11.6 percent. But Obama has yet to give a speech at a synagogue expressing concerns about young Jewish girls or boys with every right to fear anti-Semitism.

FLORIDA CFO HIRES JOEL BROWN AS NEW PRESS SECRETARY

ALLAHASSEE, Fla. – CFO Jeff Atwater today announced Constantinople were to send the appointment of Joel a missionary to preach to us, Brown as press secretary for he would find a pulpit at his the Department of Financial service”)—Obama ducked Islam’s Nor did Obama’s mosque speech Services. Joel previously served challenge Muslims to do their own intolerance. as the Department’s Tampa Bay part to distance themselves from Regional Manager where he In the past, Obama recalled Islamism by calling out such focused on constituent services hearing, as a young boy growing extremist ideology. and community outreach. In his up in a Muslim country, Islam’s new role, Joel will work with the While quick to call to prayers, media on all Department matters. “By failing to challenge Islam’s describing it critics, Obama as “one of the unmask Islam for has failed—or prettiest sounds what it really is, refused—to on Earth at Obama leaves us a unmask a major sunset.” But his divide Islam’s Baltimore speech rattlesnake, relieved ideology presents, failed to explain of its rattle but not driving a wedge the silence of between it and church bells of its deadly venom.” all other religions. within those Memorialized in the seventh same countries. They are silenced by an Islam that bans all other century and re-asserted in 1991 by religions. Is discussion of this also Islamic scholars, the “Conditions of Omar” claim Islam’s right to control “inexcusable?” Joel Brown and eventually eliminate all other Obama spoke of a 13-year-old religions. Joel will serve the Office of Muslim girl from Ohio who wrote Communications as second in to him concerning her fears about By failing to unmask Islam for command joining Ashley Carr, what it really is, Obama leaves us a anti-Islamic sentiment. Communications Director; rattlesnake, relieved of its rattle but Kayla Bailey, State Fire Marshal While hate crimes against Muslims not of its deadly venom. Spokeswoman; and Jon Moore, in the U.S. are on the rise, they still Press Assistant. pale in comparison to those against 18

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March 2016

HILARIOUS: JESSE WATERS INTERVIEWS BERNIE SANDERS SUPPORTERS AT THE UNIV. OF OREGON. SEE WHAT OUR BEST AND BRIGHTEST THINK OF THE CANDIDATE

here are few things more frightening then knowing these University of Oregon students and others like them across the country, most of whom could not tell you who won the civil war or be able to find Iraq on a map, may very well decide who will be our president come November. www.underwritersinsider.com

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TECHNICAL

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March 2016

POLITICS

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5 ck on the up the “Share Just below each a hyperlink, you’ll ol. Click to share any social media

CLINTON’S TOP AIDES ALSO HANDLED TOP SECRET INFO FOUND ON HER SERVER

The FBI Now Has Real Leverage In Their Developing Case Against Hillary Clinton

n the event that you listen only to CNN or MSNBC, you may have missed the gathering tsunami of criminal allegations moving towards embattled candidate Clinton. It was recently revealed that Clinton’s top aides also handled top secret info Clinton kept on her private email server - constituting felonious behavior on both the part of Clinton and the aids.

“The FBI now has “leverage” when it comes to its investigation into Hillary Clinton and her use of a private email server while she was secretary of state.” “We know…that their acceptance, discussion and transfer of this is a felony. We know…that the FBI now has leverage. That the Justice Department can indict her top aides and trade with them…testimony against Mrs. Clinton in return for a deal with them,” according to Napolitano.

In the video below, you will hear former Federal Judge Andrew Napolitano analyze her exposure: Click on Video Below To watch:

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RISK FACTORS -

GUEST CONTRIBUTOR MARTIN R. PERRONE, CTR

COMMERCIAL AGENTS & UNDERWRITERS: BEWARE THE ARC FLASH EXPOSURE! ARC Flash Safety - a Code of Federal Regulation

plants, sports stadiums, high-rise office buildings, manufacturing and medical facilities… most of them are not aware of OSHA’s General Duty Clause! (Section 5(a)(1) of the Occupational Safety

rofessional licensed easy. Especially when it comes insurance agents and to matters most people know company underwriters very little about, like electricity! understand that Martin “Marty” Perrone, moved to Palm knowledge is power. Beach County in 1979 from Miami. Marty is Especially when it a Sandler Sales Institute graduate, a veteran comes to matters sales trainer of “PSS,” Professional Selling of legal “liability!” Skills by Xerox, a graduate of Wilson Learning Unfortunately far too “Managing Interpersonal Relationships” and many commercial accomplished a 4.0 grade average for 4 years insurance agents and of “Industrial Inside Wiring” technical training. underwriters do not Marty was trained as a “Certified TEGG know about a serious Representative” for Carpenter Electric in West issue that recently came into the forefront. Palm Beach, FL in 2012 and as such he conducts Arc Flash Safety Training Arc Flash Safety! Since Programs for industrial and commercial property managers, healthcare 2014 the subject has facility maintenance staff, variety of Organizations and associations like; been the topic of much AHCA, OSHA, BOMA, FHEA, FLSHCA, IAEI as well as Fire Marshals, Fire discussion with the Inspectors and Fire Rescue Personnel. TEGG is an ABM owned Franchise NFPA, OSHA and Fire respected around the world for training electricians and representatives Marshals across the U. S. who provide their unique and proven method of Guaranteed Predictive/ Proactive Electrical Inspections, Preventive Maintenance Solutions, the Ask any Lawyer… finest NFPA 70E Arc Flash Safety Training programs and comprehensive Arc they’ll tell you, there is Flash Risk Assessments. Contact Marty at (561) 294-4886 or e mail him at no excuse for ignorance martyp@carpenter-electric.com of the Law. But how can today’s commercial building and Health Act) which requires owners learn about all the How do I know this? As a Certified an employer to furnish to its new laws, codes and federal TEGG Representative and the employees: employment and a regulations constantly being Director of Electrical Safety & place of employment which are imposed upon them? Many rely Code Compliance for Carpenter free from all recognized hazards on a licensed insurance agent Electric in West Palm Beach, I’ve that are causing or are likely to to advise them while others been in over 350 buildings in the cause death or serious physical appoint a competent building past four years and I’ve seen it harm to its employees. manager to help them protect first-hand. their assets and limit their liability, which is not always Condominiums, water treatment See ARC FLASH Page 44 www.underwritersinsider.com

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March 2016

THE INSIDE TRACK - BREAKING NEWS Katherine Dease Joins unruly passengers that have up the brawl. The captain Insurance Technologies caused trouble on airlines in elected an unscheduled

nsurance Technologies, LLC, a provider of sales and regulatory automation solutions for the insurance and financial services industries, announced the expansion of their Product Development team with the hire of Katherine Dease as Vice President of Product Management for the FireLight® e-application platform. As VP, Product Management, Dease will be an influential addition to Insurance Technologies growth, working collaboratively with Product Development, Sales and Marketing, Senior Management and Clients to enhance, design and deliver advanced products and capabilities to the industry.

flight, on January 22, it was two female flight attendants that were duking it out on a Delta flight making its way from Los Angeles to Minneapolis. The two FAs were in some sort of a

disagreement over work issues just prior to the fist fight breaking out - and even a female passenger was involved as she tried to break

landing in Salt Lake City where the FAs were escorted off the plane and replaced by new staff.

Gotta Pay The Piper?

ach player on the Super Bowl’s winning team, the Denver Broncos, are paid $100,000 by the NFL. Since the Super Bowl was played in California, the state is looking for a 13% income tax from each player. The money grab may dictate that future games are played in a state with no personal income tax - such as Florida.

Workplace Violence?

W 24

hile it has usually been

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March 2016

The Lying Trap!

ccording to story in BusinessBrief Magazine, “The role of communication professionals is under fire as a recent study unveiled shocking information that the industry is prone to deception and lies.” The study involving 20 top executives revealed “a colossal 85% admitted to lying and 80% answered that they will do it again.” The article made the point that “In order to build a solid reputation, the managing committee and their trusty communication executives should adhere to rules they are very well aware of namely: do not lie; do not hide facts, and, do not say ‘no comment.’”

LIAR, LIAR, LIAR.

Future Sex?

f cuddling up with some virtual reality goggles, bio-gel containing billions of nanobots and a wi-fi connection is your idea of romance, your future may be bright. Futurists are envisioning a scenerio www.underwritersinsider.com

where a couple may be a thousand of miles apart but yet intimately connected through technology. The person on the other end might be your spouse, a sex worker, a computer-selected partner from a dating site or even a computer programed to give you any thrill you choose from an endless online menu. Sex has always driven technology - and there is no reason to expect that to stop anytime soon. Actuaries out there might begin to consider the products liability hazards inherent in the technology. What if the wires get mixed up, for example, and you end up connected to Anthony Weiner? More info HERE.

Fastest Internet Connection Yet?

t University College London (UCL) researchers have developed a new optical communication system that has set a new world - transferring data almost 50,000 times faster than a super fast broadband connection - or 1.125 terabytes per second - meaning you could download 2 full-length movies in 1/100th of a second. Table of Contents

CHART-Exchange To Launch New Industry E-Zine

isionary Glenn W. Clark’s emerging organization, CHART-Exchange, announced the launch of it’s new e-zine, The Chart Exchange. The organization, designed to bring together Lloyds of London Risks Takers with domestic Coverholders has already made 1,500 appointments since its conception early in 2015 when Clark convened an “early adopters” meeting of professionals with some sort of relationship to his business and/or the London market, to help gauge their interest in the concept of an exchange and to lay the groundwork for future activities. “Response was very positive,” Clark recalls. “We came away from the meeting encouraged.” While respectful of traditional Lloyds brokerage relationships, CHART-Exchange is making substantial ripples in the marketplace as new relationships are formed and business written. Watch for the inaugural e-zine in midMarch.

March 2016

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March 2016

NEWS ACCUAUTO IS NOW ACCUAGENCY Announcing AccuAgency Brand Update New Name, Same Great Product Line

ORCROSS, GA Assurance Systems, Inc., is best known by its long-standing product name, AccuAuto. Vikki Thomas,

spokesperson for Assurance Systems, announced this week an official branding change from AccuAuto to AccuAgency as of January 1, 2016. Vikki Thomas explained only the name has changed. AccuAgency reflects a broader product line of which AccuAuto is an important part. Both products are from the same great company with the same great service 2016 also marks the company’s 30th year in business, under the same ownership.

refer to us as AccuAuto, an update is long overdue. For years we have offered independent insurance agents more than just an auto rater. Our new name, AccuAgency, encompasses our suite of products, including AccuAuto rater, AccuHome rater, AccuAgency management system, and AgencyThrive web marketing and website services. The name AccuAgency emphasizes our commitment

to help independent agents be more efficient, productive, and successful in an increasingly competitive market.”

About Assurance Systems, Inc. Since 1986, Assurance Systems, Inc., has offered a variety of services for independent insurance agencies, in addition to custom solutions and analytical products for insurance carriers.

Contact: Vikki Thomas AccuAgency Gordon Ragan, President, said, Phone 770-242-6832 “Although many agents first Fax 770-840-7558 knew us as AccuAuto and still vikki@accuagency.com www.underwritersinsider.com

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MED PROS INDICTED

He also increased funding to district attorneys across the state to prosecute these crimes, providing nearly $35 million in grant funds this fiscal year. “The individuals committing the crimes are intelligent people — doctors, lawyers and medical providers who often know how to cover their tracks, making it difficult to catch them,” said San Diego District Attorney Bonnie Dumanis. “But these criminals got greedy, working to expand their criminal enterprise from Los Angeles and Orange Counties, further into San Diego County, looking for more patients, more illegal referrals, and more money in their pockets.” In addition to today’s state charges, the U.S. Attorney’s Office announced federal indictments against three additional defendants who allegedly recruited individuals to file workers’ compensation claims resulting from on-thejob injuries. The defendants then directed these patients to specific chiropractors who met a pre-determined quota of referring new patients for goods and services such as MRIs and medical equipment. March 2016

NEWS

HUNTER’S CONSUMER FEDERATION OF AMERICA CHARGES RENTERS BEING RIPPED-OFF ON AUTO INSURANCE

ashington, D.C. J. Robert Hunter, long time antagonist of the insurance industry raised new charges in February through his Consumer Federation of America that many companies are unfairly surcharging renters 7% more on average than homeowners: GEICO was the only company surveyed that did not charge more to insureds who rented.

$112 per year – for drivers who rent instead of own homes. Liberty Mutual penalized renters the most with premium hikes averaging $307 per year, or 19 percent more, for state mandated auto insurance coverage”

The CFA has held that auto insurance companies should use strictly driving records when determining rates - regardless of other data which may point to factors which “Major auto insurance companies may have a direct correlation to charge good drivers as much as 47 chance of loss such as credit rating, percent more for basic liability auto occupation and garaging location. insurance if they don’t own their home, according to a new analysis According to the CFA, “Consumer of premiums by the nonprofit protection laws in California, Consumer Federation of America prohibit auto insurance companies (CFA). Based on a sampling of from considering customers’ insurance quotes across the country homeownership status or other for a 30-year old safe driver, CFA socio-economic factors such as found that premiums averaged level of education or credit score seven percent higher – about when setting premiums.

UNBELIEVABLE VINTAGE ADS

othing illustrates the changes in our national culture better than vintage ads from the Mad Men era - many of which would be considered over-the-top sexist and politically incorrect today.

Apparently, “where she belongs” is naked and on the floor! Wyenberg Shoe Mfg., out of Milwaukee, WI must have been tapping into the sentiments of the era, but it’s still hard to comprehend a company portraying women in such a demeaning and subordinate role.

FREE! free insider subscription! sign up yourself or any associate at this link

HERE 28

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March 2016

“The Final Authority on Everything!” Millennials & The Stinking Economic Rot Of Socialism

y son is in his third year at Rutgers, thinks Socialism is a great idea for America and plans to vote for Bernie Sanders for president. Help! G.H. Dallas, TX I just hope he isn’t majoring in Economics! Your son will probably come to his senses in a couple of years after graduation when his brain will harden and real world experience will supplant the deluge of Marxist contempt for economic realty he has been subjected to in academia. Having a serious conversation with an advocate of Socialism is difficult - because the argument is just too damn simple. It’s like having to argue that round wheels are better than square wheels - while keeping a straight face.

ADVISOR

inconceivable that anyone with a working brain would argue Socialism (Communism Lite) is any better for a country than, say, Thanksgiving is for a turkey. Yet history is your best argument. For one of the most graphic, historical illustrations of how Socialism can destroy a country, pass along this short video detailing the utter

ruination of Argentina under the socialist Perons, once the third largest economy in the world. The Venezuelan experience, provides an even clearer reason to reject the scourge of Socialism. Ever since Castro ally Hugo Chavez took power in 1999 and continuing through the current term of his mini-me President Nicolas Maduro, the country has turned hard Socialist, destroying its once prosperous economy and impoverishing its people who now stand in line for hours, under the rifles of federal troops, to buy a roll of toilet paper or a

With over a century of history & experience to draw on, it is almost 30

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March 2016

loaf of bread. Watch the little cult that ends in a paranoid, etc., 7) the promised freebies will video below of shopping in the delusional dictator who will kill soon bankrupt the government, Socialist paradise of Venezuela: to stay in power, “Having a serious and, 8) 3) it requires a when Socialism conversation massive growth with an advocate inevitably fails, of government its proponents of Socialism is bureaucracy while will always call for difficult - because shrinking the value MORE Socialism as the argument is just of the individual the cure! too damn simple. to zero, 4) under Another shocking video HERE. Socialism “fairness” It’s like having to Meanwhile, freeargue that round means equal market Capitalism, wheels are better Take your Millennial to his Safe outcome, not equal while not perfect, Space and point out these 8 key opportunity, 5) the than square wheels has easily brought realities of Socialism: centralized control - while keeping a more wealth to straight face.” of the economy more people of 1) Socialism begins with the that comes with every class than politics of envy - you must hate Socialism will inevitably cause any other system. Hey Millennial the rich because whatever they shortages, job loss, inflation, & - want to build on something? have must have been stolen poverty, 6) it feeds on people’s Built on that! from you, 2) It almost always greed and the desire for FREE comes with a personality tuition, housing, medical care, www.underwritersinsider.com

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March 2016

Wanted -

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com/classifieds. Ads must be less than 501 characters plus a title line. Eligible free classifieds include help wanted, position wanted, personal ads, agency for sale/purchase, or the one-time sale of an item or items. Place Ad HERE!

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Agent With Multi-Million Book

Agent w/ multi-million book looking for an aggressive agency w/ a positive outlook to the future stephen.clay@stone-insurance.com 16-1

Commercial Lines Underwriter St. Louis One of our clients in the St. Louis area, is seeking a Commercial Lines Underwriter with strong casualty experience in the construction industry. The ideal individual will have at least five or more years of related casualty underwriting experience dealing with construction industry accounts. Excellent company, compensation, job security and benefits. jim@premiercareers.com 16-3

FREE CLASSIFIEDS! HELP WANTED — POSITION WANTED 4 — SALE ITEMS

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Central Florida

Retiring? Selling benefits book? Please contact me: 407-797-0790 Thank you. jmburzee@aol.com 16-1

Production Underwriters

Experienced CSR Wanted - Oviedo Area

We are a progressive P & C wholesale broker looking for the best talent in the business to serve FL, CA & TX. Do you have what it takes to build a profitable book of business, develop and maintain agent relationships and execute a business plan to achieve revenue production goals? If so, we can provide you opportunities to grow professionally and financially. Send CV to: jnaranjo@everiskpro.com

Small agency needs experienced, licensed CSR. Salary commensurate with experience. Please forward resume. kr22apr@gmail.com 16-1

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Buying Ins Agency in South FLA If you would like to retire and sell us your book or business or take over your lease at a retail office please let us know. Our fax number is 954-908-7001. floridafirstinsurance@outlook.com

16-3

Working Partner Wanted East Tampa All Lines Agency established 2006 seeks working partner - to replace retired partner - Florida 220 and investment a must. Please inquire admin@naioia.com 15-12

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Seeking 220 & 440 Insurance Agents in Florida & Georgia! Well established We Insure agencies are experiencing growth and are looking for experienced 220 and 440 insurance agents statewide in both Florida AND Georgia. Active 220 or 440 license required and preferably 2 to 5 years experience in Personal Lines and/or Commercial Sales. Please send your résumé to: Megan.null@weinsuregroup.com

16-1

Personal Lines Property Underwriter - Miami One of our Florida based clients is growing and expanding into other states. They are in need of a Personal Lines Property Underwriter to join their Home Office team them as this expansion continues. The Personal Lines Property Underwriter will be responsible for underwriting personal lines new business, renewals and endorsements utilizing the established methodology, standards and guidelines. jim@premiercareers.com 16-3 March 2016

Car Insurance Agent seeking employment Insurance 220 Agent seeking full time employment as soon as possible in the Fort Lauderdale area. Specialize in auto Insurance sales. Extremely thorough and precise when selling Insurance. Love to service customers and is very pleasant and easy to adapt and learn new challenges. simonethe1@yahoo.com

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CSR WANTED FORT LAUDERDALE, FL Looking for an experienced, self-motivated, ambitious customer service representative for full time. Great written and verbal skills are required. Duties include answering phones, servicing accounts, processing mail and commission statements. INFO@JANDLINSURANCE.COM 16-1

Legal Secretary/Paralegal In-House legal secretary/ paralegal for rapidly expanding insurance company legal department.Responsibilities include assisting General Counsel with Corporate Compliance, Licensing, document and contract preparation, interface with other departments and provide support for all other corporate legal affairs. At least 5 years’ experience with corporate or insurance transactional work preferred. hr@sunzinsurance.com 15-12 www.underwritersinsider.com

Bilingual Insurance CSR 4-40 or 0220 Wanted -Lake Worth – Palm Beach County Bilingual Insurance CSR 4-40 or 0220 Experienced Wanted Bilingual English/Spanish A plus Excellent Benefits Provided Send resume to: al.poncedeleon@estrellainsurance.com or integralcl@aol.com 16-3

Experienced Customer Service Rep - Miami WANTED! Hard working, multi tasking individual to interact with toplevel retail insurance agents & their customers in a fast-paced environment where service is our number one priority. Job duties include handling inbound calls; process electronic payments & review loan history; resolve customer service issues. Proficiency in MS Outlook/Word/Excel. Send resume to resumes@standandpremium.com.

Experienced 2-20 20-44 or 4-40

Small agency seeking experienced 2-20, 20-44 or 4-40 licensed team member to help us grow. Must have thorough understanding of coverage, underwriting, all compliance requirements & possess the utmost integrity. Must be self-motivated and able to prioritize. Compensation is hourly plus bonus. Hernando County resident preferred. Send resume to: sawchukl@bellsouth.net 16-1

Purchase Retiring Agency (or merge) South Florida Purchase (or merge) a retiring agent’s or agency’s book of business in Palm Beach, Broward or possibly MiamiDade County. We prefer Homeowner and Commercial accounts. We have MOST Standard contracts. Must have demographics and performance history for last 5 years+. Flexible terms offered, possible partnership as well. Call 561-305-9599. CONFIDENTIAL 15-6

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Agent Owner/Agent Own Your Own Agency

If you’re looking to start your own agency, then this is the place you want to start. We are a statewide independent agency that has over 120 carriers! Home,Auto,Business! We offer the ability to build your own business by having all the tools needed to do so! At We Insure, we offer training, leads, a great office and more. This position requires a 2-20 insurance license or a 2-40 glen.mcgaha@weinsuregorup.com 16-1

March 2016

Insurance Agent/CSR, Ft. Lauderdale area

Insurance Licensed 220 and 440 Agents needed (no region given) Successful Property & Casualty Licensed 220 and 440 Agents requires.

Registered Customer Service Rep 4-40 Palm Beach County Experienced Registered Customer Service Representative 4-40 Wanted Bilingual English / Spanish with experience , to work in Lake Worth, Palm Beach, excellent workings conditions requested. Angel 561-755-2586

Cont’d... FLORIDA DAILY ADJUSTERS NEEDED Daily adjusters needed in the entire stte of Florida. Must have a minimum of 2 years experience provable in handling daily claims. Please email your resume to: Ateamadjustingservice@ gmail.com 15-12

Looking for bilingual CSR in Tampa Tampa Insurance Agency is looking for a bilingual Licensed CSR. Knowledge of Quick Quote and Webrater is a plus. Salary, bonus, sick time, vacation days, and health insurance. 813-9721947 or email dan@colucciinsurance.com 16-1

al.poncedeleon@estrellainsurance.com 16-1

220 Insurance Agent Boca Raton

Full time opportunity to join my Personal Lines Agency with an excellent potential for good income.Must have 220 Insurance license - Experience with personal lines preferred, however, willing to train bright beginner -Strong computer skills -Self-starter with Initiative-independent workerContact Noreen at 561-4304021 or email resume to Noreen.langleben@weinsuregroup.com 16-1 34

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MGA Needs Experienced E&S Assistants, Underwriters and Brokers South Florida and Lake Mary E&S MGA looking to continue growth by adding experienced Assistants, Underwriters and Brokers. MGA has a generalist appetite and represents many markets for Brokerage and Binding Authority. Contact: dmarsh@slbig.com

- 220/440 license or a minimum of 1 year exp. in Auto/ Home/Commercial insurance - Must be able to work Full Time - Must have a GREAT "Can Do" attitude, everyday - Must be able to multi-task and be a willing Team Player - Must have the ability to treat our clients with the respect they deserve and give them the best service they have ever received - Must be DRUG FREE- Bilingual a plus marlinsii@aol. com 16-1

We Want You - Licensed Insurance Agents

If you are an experienced, self-motivated and ambitious insurance sales professional with an interest in working with a vibrant, forward thinking company then look no further. We are an independent insurance agency in Ft. Lauderdale seeking a Licensed Insurance Agent who interested in a long term career with our agency. •Property and Casualty License (220) •Team player •Build referral relationship alejandro.kalaf@ weinsuregroup.com 16-1

Experienced License Agent (220) wanted Experienced License Agent (220) wanted to work in agency located in Medley, FL. Commissions only paid. Please fax resume to 270-1417. meibg9@bellsouth.net

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March 2016

NEWS

INSURANCE FRAUD OPERATION ALLEGED IN SOUTHWEST ALABAMA FOUR ARRESTED MORE EXPECTED

LABAMA Investigating officers from the Alabama Department of Insurance Fire Marshal and Fraud Divisions have announced the arrests of four suspects for allegedly staging structure fires, automobile accidents, vandalism,and personal injury “accidents” in order to receive fraudulent monetary claims from insurance companies. Alabama State Fire Marshal Ed Paulk, and local Deputy Marshal Roderick Reed say evidence has indicated this “fraud operation” had been going on for up to fifteen years with allegedly fraudulent insurance claims totaling hundreds of thousands of dollars. Arrest warrants were served on the four family members beginning early this month and culminating last Wednesday, January 20 for charges of Insurance Fraud First Degree. Arrested were Lawanda Thomas, 52, of Pentecostal Church Road in Mt. Vernon, her two sons, Clarence Lavell Roberts, Jr, 32, of Peter Adams Road in McIntosh, Defonta Roberts 26, of St. www.underwritersinsider.com

Stephens Road in Eight Mile, and Defonte Roberts’ sister in law, Danielle Miller, 34 of Timberland Dr. in Satsuma. Three of the four turned themselves into Mobile Metro Jailand were released on bonds ranging from $3,000 to $7500. Defonta Roberts was located and served his arrest warrant while serving time in Fountain Correctional Center for unrelated Burglary charges. Trial dates for the four have not been set pending Grand Jury. Marshal Paulk and Deputy Marshal Reed both say more arrests are expected in this broad reaching investigation in Southwest Alabama and they’re asking for the public’s help. The Alabama State Fire Marshal’s Office and your local firefighters want you to know that if you think you might have contributing information for any suspicious fire or Insurance Fraud case, you may contact the ALABAMA ARSON HOTLINE at 1-800-654-0775 or you may visit www.firemarshal.alabama. gov for more information. Table of Contents

VIEW THE FAMOUS OBAMA WORKOUT! (Now Banned On YouTube...)

March 2016

Notable Quotes In The News

SAY WHAT? Just Don’t Try And Understand Them...

business candidate took in over $9 million from appearances sponsored by banks, insurance companies, hedge funds, private equity firms and real estate businesses. Hillary, this may be why only about 5 out of 100 people think you are honest or trustworthy.

Because Common Sense I don’t know which is more troubling; that And Liberalism Don’t Mix nearly 50% of Iowa Democrats are willing to put a serial liar, who was so casual with This is the greatest country in the world, State secrets that she certainly has done this is the greatest people in the world, but untold damage to our nation’s security and who, by the way, is married to a serial liar, sometimes we forget common sense. We’ve got to stop rewarding philanderer, and abuser of women, OR that bad behavior in nearly 50% of Iowa Democrats support a America. When people crazy old socialist who would bankrupt our don’t work and produce, treasury and who would make this country then they need to get look like the USSR of the 1970s.” kicked to the curb. Get a damn job. Carry your Blogger “BatterUp” commenting on a column own weight.” about the Democrat’s big loss in Iowa and expressing grave concern for the Democrat’s Dr. Phil discussing the case of a wanna-be two weak nominees. rock star, a guest on his show named Kris, 43, who had been chasing a dream of becoming But She’s Gonna a “rock star” since a child, impoverishing his Rein In Wall Street... family in the process. While the Dr’s advice was spot-on and would apply to more than a I don’t know. That’s what they offered.” few Millennials, he should have saved some criticism for the enabling family that allowed Democratic candidate for Kris so much latitude. president Hillary Clinton in an interview with CNN’s They Are Contemptible Thieves Anderson Cooper after being asked why she took Trillions of pages have been written about $675,000 from Wall Street the “errors” of socialism, none of them giant Goldman Sachs to effective, as the only way to defeat the entire deliver 3 speeches. All in left, once and for all, is with a global recognition all, the supposed anti-Wall Street, anti-big that they are contemptible thieves, using

“

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politics to take whatever they want, from whoever has it, and not decent people seeking all inclusive prosperity with an error in political means. It is only social contempt that leftists cannot survive, as contempt replaces their social credibility of misguided but good intentioned “It’s All Free! Free I say! Free!” people, a deceit upon which leftists and all of their politics are totally dependent.” Blogger JR commenting after an interview on CNN.com wherein candidate Bernie Sanders laid out in detail all the “free” stuff he plans to hand out to his supporters should the country be foolish enough to elect him President. BTW, In the liberal lexicon, “free” means someone else is paying for it.

A Stalwart Passes

“

All of us here saw him as a stalwart defender of our way of life in Texas, in a real sense. It’s a great loss. Having made that statement, if it was his time to go, he was surrounded by friends, in fairly nice setting, with a full tummy too. He said he was very happy to be invited so it could have been in worse circumstances. It’s caused all of us here to stop and think about life, how precious it is, and how it is so unexpectedly lost.”

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John R. Poindexter, owner of the 30,000acre West Texas hunting ranch where Supreme Court Justice Anthony Scalia passed away on March 12. Scalia was invited by Poindexter along with a group of about 40 friends to attend a private party. It appears that Scalia, a lion of conservative legal decisions advocating “textualism in statutory interpretation and originalism in constitutional interpretation,” had passed away peacefully in his sleep from natural causes.

And Just a Little More On The Glories of Socialism...

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The champions of socialism call themselves progressives, but they recommend a system which is characterized by rigid observance of routine and by a resistance to every kind of improvement. They call themselves liberals, but they are intent upon abolishing liberty. They call themselves democrats, but they yearn for dictatorship. They call themselves revolutionaries, but they want to make the government omnipotent. They promise the blessings of the Garden of Eden, but they plan to transform the world into a gigantic post office.” Ludwig von Mises, renowned economist

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Socialists cry ‘Power to the people’, and raise the clenched fist as they say it. We all know what they really mean--power over people, power to the State.” Margaret Thatcher, Former British Prime Minister and champion of freedom.

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NEWS

ADDITIONAL GRAND THEFT CHARGES FILED AGAINST ORANGE COUNTY INSURANCE AGENT

RLANDO, Fla. – The Division of Insurance Fraud due to Florida Division of its criminal nature. Insurance Fraud (DIF), which operates under the DIF’s investigation revealed that direction of CFO Jeff Atwater, Ferreri had gained the trust of two today announced that additional of his clients and convinced them charges have been filed against to make their premium payment Orange County insurance agent checks payable to one or more of Mario Ferreri, owner of Orlando- Ferreri’s companies instead of their based Financial Management respective insurance companies. By doing so, Resources. After Ferreri claimed being arrested last that he would year for allegedly be better able stealing more than to manage their $1,000,000 from his investments. clients, Ferreri is in It wasn’t until the spotlight again the clients as another victim individually has come forward contacted in suspicion that their insurance a $95,000 check carriers that they intended for an realized their annuity payment payments had may have also Mario Ferreri not been received. been stolen by the insurance agent. On December 5, 2014, Ferreri In February 2013, the was arrested and booked into Department’s Division of Agent the Orange County Jail on two and Agency Services received counts of a scheme to defraud a complaint from Lincoln Life more than $50,000 where he is Insurance Company stating their still currently being held on a suspicions that Ferreri had stolen bond of $250,250. An additional two of his client’s insurance second degree grand theft count premium payments and used the has been added along with an money for his personal benefit. added bond amount of $200,000. After an extensive review, the case The case will be prosecuted by was referred to colleagues in the the Office of Orange County State www.underwritersinsider.com

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Attorney Jeffrey L. Ashton and if convicted, Ferreri faces up to 30 years in prison. Detectives believe there may be others Ferreri has defrauded. If you or someone you know feels that they are victims of fraud as the result of the deceitful practices of Mario Ferreri and his company, Financial Management Resources, call DFS’s Fraud Tip Hotline immediately: 1-800-3780445.

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www.zalma.com • web log, “Zalma on Insurance” • videoblog, “Zalma’s Insurance 101”

INSURANCE & THE LAW Continued From Page 11

claim underwriting.” Heinz’s expert, D. Bendure, an expert in the field of insurance, could not apply his broad opinions about insurance underwriting achieve his goal of a lower SIR and claims processing to the ($5 million or less) and a lower facts of this case. Instead, he premium. spoke in generalities regarding undisclosed losses above an SIR The trial evidence established and its effect on underwriting. that his goal would not have been achieved if he had provided Additionally, the credible to Starr the same information testimony of Louise Ann Kelleher, he provided to Heinz senior of Starr Adjustment Services, Inc., management — namely the who was involved in this case misrepresentations described pursuant to her employment as above. a supervisor of all Starr claims managers during the period The Court found that Mr. Ascher’s at issue, established that Starr testimony was not credible. The acted promptly and reasonably. Court instead found that Mr. Ascher, a sophisticated business The evidence reveals that at the person and insurance “expert,” time that Heinz brought suit misrepresented information on against Starr, Starr was properly the Application to obtain a lower and deliberately engaged in the Self Insured Retention (SIR) ($5 process of evaluating Heinz’s million instead of $10 or $20 claim for coverage under the million) and/or to secure a lower policy. Heinz failed to meet its insurance premium. Additionally, burden to show that Starr did not he signed a Certification, act promptly to rescind the policy on behalf of Heinz, that the under these circumstances. statements in its Application were “true” and that “no material The Court employed the use of an information has been withheld,” advisory jury with the purpose of knowing that his Certification providing insight into the facts was intentionally false. underlying the Counterclaim for Rescission. The advisory jury has provided this insight No Post-Claim in a thorough and thoughtful manner. The Court, however, was Underwriting keenly aware that pursuant to its There was no credible evidence to equitable powers, it maintains support Heinz’s theory of “post- the ultimate responsibility to

ZALMA

resolve claims and counterclaims of an equitable nature. The Court also recognized that the decision to void an insurance contract ab initio is not to be taken lightly. Based upon the facts that were fully developed at trial, the evidence warrants application of the extraordinary equitable remedy of rescission. As the advisory jury found, Starr has adequately demonstrated that Heinz made material misrepresentations, misrepresentations that the Court found were intentional, and that Heinz has fallen short on carrying its burden of proof on the affirmative defense of waiver.

Zalma Opinion Rescission is an equitable remedy that when one party to a contract of insurance is deceived by the other into entering into the contract by misrepresentation or concealment of material fact, the parties must be returned to the status quo that existed before the contract was made. Heinz intentionally deceived Starr to obtain a reduced premium and a smaller SIR. Since equity requires that Heinz should not be allowed to profit from its deception rescission was the only proper remedy because it would not be fair to compel Starr to insure a risk it would not have taken but for the deception.

RISK FACTORS Continued From Page 23

ARC FLASH Then again, some simply choose to ignore this administrative law figuring it will never happen to them... and if it does they’ll deal with it then. Not a wise move! What does this recently finalized OSHA regulation mean to all “General Industry” building owners? It means; if you employ people to work in your building, it better be safe from all recognized hazards. Or if you hire an outside electrical contractor it’s the building owner’s responsibility to make sure the worker is fully trained in NFPA 70E codes. According to the National Fire Protection Association, NFPA 70E, “Standards for Electrical Safety in the Workplace” these are just some of the codes: 110.1, 110.2, 200.1 and 205.3 that spell it out pretty clearly. The building owner or the owners designated representative is responsible for training, testing and documenting the training of qualified electrical workers. What’s more, they must develop a mitigation strategy to reduce the risks of an Arc Flash explosion, make sure every measure has been taken to ensure “safety related work practices” are in place, see to it 44

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GUEST CONTRIBUTOR MARTIN R. PERRONE, CTR electrical equipment is properly will make sure everyone involved maintained to manufacturer’s knows how to limit their liability specifications and ensure there is when it comes to electricity. no evidence of impending failure. Therefore, if you are a licensed So what is the best way to ensure commercial insurance agent every commercial building owners’ or a company underwriter and facility is in full compliance with you wish to be viewed in your the NFPA 70E & OHSA’s new “CFR” market place as a knowledgeable code of federal regulation 29 CFR professional… make sure you know the truth, get the facts and advise your clients wisely. Arc Flash safety is a real problem in America. Far too many building owners and managers are hiring people or using outside socalled electricians who are performing electrical tasks without the proper training and documentation. Just Google motivational speaker and double amputee, Hector Picard who The Sudden Release of Energy In lost ¾ of his right arm and ½ an Arc Flash Can be Deadly of his left arm in an Arc Flash explosion several years ago 1910.269, which became law on in Miami Florida. You can find July 10, 2014? First, purchase a plenty of his videos on YouTube. copy of NFPA 70E and read it. Then Although his message “Don’t Stop locate a competent NFPA 70E Living” is quite inspirational, his trainer in your area and schedule life altering injuries were totally a comprehensive Arc Flash and completely avoidable! Safety Training seminar. Upon completion, every attendees will understand what is expected of Need an Arc Flash inspection them and learn how to protect for a client or carrier you their assets; buildings, employees, care about? Contact my customers and vendors. This friend Marty Perrone at (561) knowledge is especially important 294-4886 or email him at for insurance underwriters, agents martyp@carpenter-electric. and building owners… because it com - Editor Table of Contents

March 2016

TECHNOLOGY Continued From Page 9

KIM KOMANDO right-hand area, drag it around to exactly where you want. Putting icons close together lets you group them. You can name groups whatever you want, and move groups around by clicking the icon with the horizontal lines next to the name. Give it a shot and you’ll see it’s super easy. Don’t forget you can click and drag the edges of the Start menu to make it larger or smaller. You can have it take up most of the screen, or very little space at all. It’s your choice. 2. MAKE WINDOWS 10 MORE PRIVATE One valid criticism of Windows 10 is that it stores more information about you than previous versions of Windows. The personal assistant Cortana, for example, remembers everything you tell her, and keeps tabs on what you do on the computer so she can offer you better suggestions and recommendations.

programs that bring important privacy settings into one spot, such as Win10 Spy Disabler and AntiSpy.

and Windows features using notifications, it can quickly get cluttered, or just annoy you with continual popups. That’s especially true when your new 3. VISIT THE OLD CONTROL computer comes pre-loaded with PANEL a ton of software and apps you Windows 10 shipped with a don’t need. Click here to learn streamlined Settings screen how to quickly declutter this junk that has most of the options from your computer. you’ll want. You can find it under Start>>Settings. You can also choose which apps and programs can use While the new Settings screen is the notification area. Go to handy for the basics, it doesn’t Start>>Settings and click quite have all the options a more “System.” Then go to the advanced user might want. “Notifications & actions” area. Fortunately, you can get to the Here, you can choose whether old Windows Control Panel with no problem. See Komando Page 45 Simply right-click on the Start button and select “Control Panel.” Right-clicking the Start button Advertise In is also a fast way to access other America’s Favorite hidden familiar areas you might Insurance Magazine! want to use, such as the Device Manger or the Run command Reach More Readers prompt.

4. GET FEWER NOTIFICATIONS Windows 10 added a handy notification area, similar to what you find on smartphones. Simply click the notification icon in the lower-right corner of the screen Not everyone likes this level of and it will pull out the Action data collection, and you can make Center on the right side of the changes to send Microsoft less. screen. Here, you’ll see a list of Click here for the exact steps to new email, app updates and take control of your Windows 10 more. privacy. You can also get separate

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Continued From Page 45

KOMANDO

or not to see Windows tips, app notifications, notifications on the lock screen and more. If you scroll down, you can turn notifications on and off for individual apps. For each app, you can also choose if the notification plays a sound or not. Bonus: When you click the Notifications button, you’ll also see a list of Quick Actions at the bottom of the Action Center. Be sure to set Quiet Hours on notifications. It’s really handy if you only want notifications during certain times. 5. GET THE LOOK YOU WANT OK, changing the colors and background picture in Windows might not seem that important, but you’re looking at your computer for hours every day, so why not see something you like? A lot of people just live with whatever theme Windows has out of the box, but making Windows your own is simple.

Don’t have any pictures yet that you want to use? Get hundreds of great wallpaper images for free.

as “themes”; and edit how the Start menu works.

Hint: If you got used to Windows Next, go to the Colors area and pick 8.1’s full-screen Start screen, the your accent color. By default, this Start area is where you can get that only affects a few icons and window back. Just turn on the “Use Start full borders. However, if you scroll down screen” option. and turn on “Show colors on Start, taskbar, action center, and title bar,” Want to know even more about they will all take whatever color you Windows 10? I have a slew of pick. step-by-step tips and tricks about Windows 10 at Komando.com. Other options include letting the computer pick a color based on Copyright 2016, WestStar Multimedia your background image, which is Entertainment. All rights reserved. great for slideshows, and making the Start menu, taskbar and On the Kim Komando Show, the notification area transparent. Play nation’s largest weekend radio talk around with those to see how you show, Kim takes calls and dispenses like it. advice on today’s digital lifestyle, from smartphones and tablets to Moving on, the Personalization online privacy and data hacks. For area lets you customize the lock her daily tips, free newsletters and screen image and what shows up more, visit her website at Komando. there; choose and save collections com. Kim also posts breaking tech of backgrounds, colors and sounds news 24/7 at News.Komando.com.

Go to Start>>Settings and choose “Personalization.” Your first option is to change the Background. You can choose from a picture, solid color or slideshow. Windows 10 has some very nice default background pictures, or you can click “Browse” to choose your own. Be sure to choose a fit that looks good so the image isn’t squashed and stretched. Fill, Fit or Center are safe choices. 46

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Continued From Page 13

ISLAMOPHOPIA? NO. IT’S FACTOPHOBIA. agenda. I realize this is an inherent aspect of politics, but the Left has mastered the art of BS (bogus stuff ).

fact-less rhetoric while ignoring the fact-filled reality all around us. If she’d like to see a list of attacks (just on our soil) by those professing Islam, she can see the tragic and growing body count here.

Noor’s Youtube video, Dear America, is an exercise of comparing apples with steaks. She In the end, Ryan S. Bomberger invokes the Islamic terrorism crazed Westboro claims the lives of Baptist funeral protestors’ hate tens of thousands worldwide, speech to the fatal violence of every year. And not because terrorism. The San Bernadino of Donald Trump or any other Islamic terrorists didn’t hold politician. Islamic terrorism picket signs. They held guns goes back centuries. It’s not and massacred 14 people and fear of Islam that drives many seriously injured 22. She blames to denounce such violence. It’s mass shootings, here in America, humanity. on white Christian males. Not sure who she’s talking about. I don’t hate Ms. Noor for Facts don’t matter to Bernie embracing the deeply Sanders fans, which is easily oppressive religion of Islam. seen by her inclusion (in her The only thing I hate is that “Dear America” video) of a bogus she pretends to be a victim Donald Trump tweet stating: while those who’ve lost loved “Muslims should be treated no ones to the “religion of peace” differently than sex offenders.” have to endure evangelists of Truth is irrelevant in liberals’ victimhood who call Americans quest to promote Islamophobia “hateful” and “intolerant”. garbage.

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