SC Agent & Broker magazine - Spring 2009

Page 1

The Strength To Weather Any Storm. The Power To Provide Brighter Solutions.

Alan Jay Kaufman Chairman, President & CEO

At Burns & Wilcox, we believe strong leadership ensures a bright future. With Alan Kaufman’s vision, we’ve grown into North America’s largest and most capable specialty insurance wholesaler. Our unique ability to provide comprehensive specialty risk coverage, especially in this challenging and stormy market, is the result of a national network of experienced underwriters and brokers who give us the strength to grow regardless of what’s on the horizon. So if you want a company with the foresight to stay ahead of the storm, turn to the professionals with the speed, intelligence and agility to get the job done — the specialists at Burns & Wilcox.

Morehead City, North Carolina

252.726.8992 fax 252.726.9484 moreheadcity.burnsandwilcox.com

SPRING 2009

Independent Insurance Agents & Brokers of South Carolina PO Box 210008, Columbia, SC 29221 800 Gracern Road, Columbia, SC 29210 803-731-9460 803-772-6425 (fax) e-mail: information@iiabsc.com IIABSC Staff G. Frank Sheppard, AAI President ext. 23, fsheppard@iiabsc.com Rebecca H. McCormack, CPCU, CIC, AAI, CPIW Vice President ext. 14, bmccormack@iiabsc.com Anita J. Trevino Director of Communications ext. 29, atrevino@iiabsc.com Beth Chastie Director of Administration & Finance ext. 17, bchastie@iiabsc.com Charlene Bernotas, CISR, ACSR Agency Administrator ext. 22, cbernotas@iiabsc.com Elaine Mikell Meeting Coordinator ext. 16, emikell@iiabsc.com Mary A. Ellis Education Coordinator ext. 12, mellis@iiabsc.com Jeanette Bloss Education Coordinator ext. 11, jbloss@iiabsc.com Pat Fetner Receptionist ext. 10, pfetner@iiabsc.com Lee Ruef Director of State Government Relations lruef@iiabsc.com South Carolina Agent & Broker is the official magazine of the Independent Insurance Agents and Brokers of South Carolina and is published four times annually. IIABSC does not necessarily endorse any of the companies advertising in this publication or the views of its writers. Articles and information published in this magazine may not be reproduced without written consent of the IIABSC. South Carolina Agent & Broker is not responsible for unsolicited manuscripts, art or photography. The publisher cannot assume responsibility for claims made by advertisers and is not responsible for the opinions expressed by contributing authors. For more information on advertising, Contact Jim Aitkins Blue Water Publishers 22727 - 161st Avenue SE Monroe, WA 98272 360-805-6474 fax: 360-805-6475 jima@bluewaterpublishers.com

3OUTH #AROLINA !GENT "ROKER s 3PRING

Contents

Message from the Chairman of the Board Message from the National Director Trusted Choice® Disaster Relief Fund Education Spotlight - Garrett Wreden, CPCU, AIP Young Agent Spotlight - Anna T. Bailey, CIC, CISR Top Ten Reasons to Use An Agency Management System Top Ten Things Employers Need to Know About the New FMLA Regulations Big “I” Markets Product List Avoid E&O Pitfalls in Earthquake Insurance Save the Date: Upcoming Events IIABSC Foundation 2008 InsurPac Contributors ® Trusted Choice Junior Golf Sponsorship Form IIABSC Calendar 2009 Board of Directors and Executive Committee

Advertiser Index

AequiCap Program Administrators 19 AmTrust North America 47 Auto Owners Insurance Company 41 Bankers Insurance Group 26 Builders Mutual Insurance 11 Burns & Wilcox 3, 5, 48 Capstone Underwriters 26 Edwin M. Rollins Company 7 General Casualty Insurance 2 Hagerty 45 Hanover Excess & Surplus 23 Hull & Company 37 Insurance House 39 Jackson Sumner & Associates 17 Johnson & Johnson 24, 25

Market Finders Insurance Corp. Montgomery Insurance Preferred Specialty Prime Rate Premium Finance ProVision Underwriters Sagamore Insurance Company South Carolina Agent Network Southern Insurance Underwriters Southern Cross Underwriters Summit Marketing Services TAPCO Underwriters The National Security Group The Seibels Bruce Group Universal North America

6 8 10 14 16 20 22 27 30 36 38 40 42 44 46

12 41 45 39 37 21 29 9 33 43 41 43 21 13

Cover: (Dreamstime: Psalm113vp). Every Spring Upstate South Carolina has a hot-air-balloon festival during Memorial Day weekend called “Freedom Weekend Aloft.” The purpose of the festival is to promote affordable family fun, hot-air ballooning, patriotism and tourism to the Upstate area while raising money for local and regional charities. This year’s festival is from May 22 – 25 at Heritage Park in Simpsonville. While it may not cover hot-air ballooning, Big “I” Markets has recently added several Outdoor Markets products including *XLGHV 2XW¿WWHUV DQG )LVKLQJ +XQWLQJ /RGJHV WR LWV FRPPHUFLDO OLQHV RIIHULQJV 6HH D IXOO OLVW RI SURGXFWV offered through Big “I” Markets on page 27.

Vacant Property

Need a Vacant Property Policy that won’t come up empty?

Alan Jay Kaufman Chairman, President & CEO

When you partner with the experienced professionals at Burns & Wilcox, you’ll find a national network of underwriters with unparalleled access to the leading markets for Vacant Properties. That means broad coverage from a company with the speed, agility and intelligence to get the job done right. Plus, flexible solutions and large limits in protection against fire, vandalism and other unforeseen claims. If your client has an empty property, give them the right coverage with a Vacant Property Policy from Burns & Wilcox, North America’s largest specialty insurance wholesaler.

Morehead City, North Carolina

252.726.8992 fax 252.726.9484 moreheadcity.burnsandwilcox.com

Insure Wisely

™

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IIABSC Foundation was a Vision for the Future

s leaders of our organizations, we often have opportunities to make decisions that will have long lasting effects on our stakeholders. For IIABSC, there may have never been a more valuable decision than to initiate the IIABSC Foundation. In 1982, then-IIABSC president Bill Thomason of Anderson asked a group of IIABSC past presidents to study current issues facing the association and develop proposals for projects and direction that would have “lasting effects on the association and its members.â€? The foundation was born from this initial group in the hope of making a difference in the communities of South Carolina and enhancing the public image of independent agents. With an initial contribution of $100,000, the Independent Insurance Agents of South Carolina Foundation was established on April 20, 1984 with its purposes “including but not limited to sponsoring DQG IRVWHULQJ FKDULWDEOH VFLHQWLÂżF SXEOLF VDIHW\ RU health, literary or educational endeavors.â€? The original Foundation Board was made up of Weston Patterson of Florence, Rupert Stalvey of Conway, Bill Thomason of Anderson, Russell Rooney of Columbia and Ed Schachte RI &KDUOHVWRQ 7KH ÂżUVW FRQWULEXWLRQ IURP WKH )RXQGDWLRQ was a $5,000 grant for research into burn patterns and FKDUDFWHULVWLFV RI FHUWDLQ Ă€DPPDEOH OLTXLGV XVHG E\ arsonists. )XQGLQJ HIIRUWV WR SURPRWH ÂżUH VDIHW\ DQG FRPEDW arson have long been a principal activity of the foundation. In conjunction with the South Carolina Insurance News Service and the South Carolina Law Enforcement Division (SLED), the Foundation funds rewards for information leading to arrest and conviction of arsonists through the Arson Hotline. 2YHU WKH \HDUV RWKHU SURJUDPV WKDW KDYH EHQHÂżWHG IURP )RXQGDWLRQ JUDQWV DUH WKH 6WDWH )LUH 0DUVKDOOÂśV ÂżUH safety programs, Clemson University Extension Service VWDWHZLGH ÂżUH VDIHW\ DZDUHQHVV SURJUDP DQG VXSSRUW RI WKH

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VWDWH )LUH 0DUVKDOOœV ¿UH VDIHW\ PDVFRW ³)UHGGLH 7KH )LUH less Feline.� The Foundation provides grants and support to a number of insurance education and training programs including scholarships for students majoring in insurance or risk management at the University of South Carolina, Clemson University and the College of Charleston. It also SURYLGHV VFKRODUVKLS VXSSRUW IRU WKH &HUWL¿HG ,QVXUDQFH Counselor (CIC) program and education grants to IIABSC for special education programs throughout the year. The Foundation relies on annual contributions from agencies, companies and industry friends to support ongoing efforts. There have been unique and generous gifts over the years in support of the Foundation. In addition to annual contributions, a donation to the Foundation is an excellent way to memorialize fellow industry members that have passed away or honor someone that has been important to your insurance career. In 2001, the Clement Marshall Family made a gift to WKH )RXQGDWLRQ IRU SXUSRVHV RI SURYLGLQJ ¿QDQFLDO VXSSRUW to agents seeking continuing professional education. Clement Marshall, a native of Sumter, was founder of a general agency in Charlotte. His son Tom Marshall was the long-time regional vice present of Auto Owners Insurance Company and is now on the faculty of UNC-Charlotte. The Marshall Family gift has been used to help underwrite the association’s Elite Sales Training Program. On page 38, you can see a list of Foundation contributors for 2008 and some of the benefactors of Foundation grants and scholarships as well as our current Foundation Trustees. Thank you to everyone who has remembered the IIABSC Foundation with a donation. And thank you to our predecessors that had the vision and initiative to start the Independent Insurance Agents & Brokers of South Carolina Foundation and to our current Trustees who are making sure that vision is carried to the future.

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Visit ACT web site for guidance on technology issues – www.independentagent.com/act. Then send someone from your staff to our state Agents Technology conference in May.

ince we started this magazine two years ago we’ve been getting lots of feedback on our ACT articles on technology. (YHU\ ZHHN WKH ,,$%6& RI¿FH ¿HOGV FDOOV IURP DJHQFLHV ORRNLQJ for help, advice or guidance on computer issues. Your association leadership has made technology education one of its top priorities - launching the SC Agents Technology Conference last year, and fully supporting the Get Real Time Campaign. Technology management in your agency is an ever-changing process, and we have tried to keep you updated through regular articles in this magazine. Unfortunately, the magazine is only published four times a year, which limits the amount of technology QHZV ZH FDQ SDVV RQ WR \RX 7KH SURFHVVHV DQG HI¿FLHQFLHV RI 5HDO Time and Download are constantly being updated and improved faster than we can keep you informed. ,Q WKLV LVVXH \RX ZLOO DOVR ¿QG DQ DUWLFOH RQ ³7RS 5HDVRQV to Use and Agency Management System” written by Angelyn Treutel, the chairperson of the ACT committee and a speaker at several of our conferences this past year. Technology is now a major part of agency management. As we all tighten our belts and KDYH WR ¿QG PRUH DQG PRUH HI¿FLHQFLHV LQ WKH ZD\ ZH RSHUDWH RXU businesses each day, the effective use of technology can make an immediate impact to your bottom line. Many agencies use very little of the functionality of their agency management systems. To EH WUXO\ HI¿FLHQW DQ DJHQF\ PXVW PDNH WKH FRPPLWPHQW WKDW HYHU\ process in the agency begins and ends in the management system of your choice. There are many resources available from the web sites listed below to getting involved with user groups for your management system to help you better manage your agency. The next time that your agency is facing a technology issue – whether for agency operations or sales and marketing matters, I suggest you visit the National Big “I” Agents Council for Technology web site at www.independentagent.com/ac p g t or www.getrealtime.or g rg . These two web sites offer a wealth of information on topics such as: u Real Time u Download u $GYDQFHG $JHQF\ :RUNÀRZV DQG %HVW 3UDFWLFHV u Going Paperless 3OUTH #AROLINA !GENT "ROKER s 3PRING

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Agency Web sites & Search positioning Sales & Marketing Technology Agency Security/ Customer Privacy Trends/ Strategic Future issues Agency-Carrier Interface Communications Improving Carrier Ease of Doing Business Improving Agency-Carrier Technology and Agreements Purchasing and Upgrading Systems Disaster Planning

I also suggest that you send someone from your agency to our upcoming SC Agents Technology Conference May 13 at the Columbia Conference Center. The theme for this single-day event is “Real Time is Real $$$$$.” Attendees will: u receive step-by-step tools using Real Time to free up time to be more pro-active with customer service, sales and marketing u VHH GHPRQVWUDWLRQV RI DFWXDO ZRUNÀRZV QHHGHG WR DFKLHYH WKH 5HDO 7LPH HI¿FLHQFLHV DQG LQFUHDVH JURZWK u get hands-on comparative rating session u attend AMS/Applied user group sessions u hear from real agencies of various sizes, how they have implemented Real Time and what it has done for them. Visit our web site, www.iiabsc.com, for registration information. Hope to see you there!

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Trusted Choice Disaster Relief Fund – Another addition to your disaster plan toolkit

W

hile we dodged some bullets last year with Hurricane Hanna and the mild Charleston earthquake in December, there is unfortunately no way to predict what the future will bring. To better prepare to meet disaster assistance needs, the charitable foundation for our national association, the Independent Insurance Agents & Brokers of America, created the Trusted ChoiceÂŽ Disaster Relief Fund last year. The Trusted ChoiceÂŽ Disaster Relief Fund was established by the IIAA Educational Foundation of the Big “Iâ€? to assist others who have suffered losses due to natural or man-made disasters. The foundation is a 501(c)(3) entity and all contributions are tax deductible. By establishing a permanent relief fund, the Big “Iâ€? will EH UHDG\ WR ÂżQDQFLDOO\ DVVLVW YLFWLPV ZKHQ DQG ZKHUH D GLVDVWHU strikes, rather than raising the funds after the fact, as we did for 9-11 and Hurricane Katrina. This fund is a great way to show our ongoing support as an industry for victims of disasters and to assist fellow independent agents and industry colleagues during their greatest time of need, along with the clients we all serve, plus take a tax deduction for helping people. The fund will make cash grants to those in the insurance industry, including Big “Iâ€? members and their agency staffs,

3OUTH #AROLINA !GENT "ROKER s 3PRING

by Jay G. Taylor, CIC Trusted ChoiceÂŽ Chairman

DQG RWKHUV WR SD\ IRU LPPHGLDWH RU RQJRLQJ ¿QDQFLDO QHHGV when other funding sources (such as insurance and other grants) DUH QRW DYDLODEOH WR ¿OO WKH JDS XQWLO RWKHU IXQGLQJ VRXUFHV FDQ be accessed and to provide insurance agents with supplies and resources to assist with disaster relief efforts to aid victims and surviving family members in their communities. Because our state association’s Board of Directors recognized that our South Carolina members will sooner RU ODWHU EHQH¿W IURP WKLV IXQG DOWKRXJK WKH\ DUH KRSLQJ DQG praying that it will be laterr rather than sooner) last year they made a $5,000 contribution to the fund when the program was ¿UVW DQQRXQFHG Eligibility According to the fund guidelines, those eligible for Trusted &KRLFHŠ 'LVDVWHU 5HOLHI IXQG DUH GH¿QHG DV ‡ Individuals who sustained damage or loss to their homes directly caused by a Disaster; ‡ Businesses in the insurance industry that sustained damage or loss directly caused by a Disaster; ‡ 7UDGH DVVRFLDWLRQV RU QRQ SUR¿W EXVLQHVVHV DVVLVWLQJ RWKHU businesses in the insurance industry that sustained damage or loss directly caused by a Disaster;

, DON, T THANK US,

Agents and policyholders alike can share in the credit for this year’s $3 million dividend—you both helped make it possible. Because safety is one of your top priorities, it’s reflected in our bottom line. At Builders Mutual, we don’t just ask policyholders to work safely—we give them the tools to make it happen. And we appreciate our agents stressing the importance of efforts such as Fall Protection Certification, Builders University, our Risk Management CD—even on-site risk management consulting. With your help, Builders Mutual has been able to reward over $44 million in dividends to date. At a moment like this, aren’t you glad you’re with Builders Mutual?

P.O. Box 150005 Raleigh, NC 27624-0005 (800) 809-4859 | www.buildersmutual.com

0192-0109-02

YOU VE EARNED IT.

‡ ‡

Individuals in need of humanitarian aid due to losses directly caused by a Disaster; Surviving family members of deceased victims of the 'LVDVWHU 6XUYLYLQJ IDPLO\ PHPEHUV DUH GH¿QHG DV D ODZIXO spouse, guardian of the victim’s minor children, or in the event none of the above family members exist, the victim’s adult children, or in the event no adult children exist, the victim’s parents. Surviving family members must show proof of death and must certify that the grant will be used for funeral expenses that have not been supported by another grant or otherwise reimbursed.

Grants to individuals will only be made to applicants who are citizens or legally admitted for residence in the United States. In all cases, grant applicants must complete the Fund application form (can be found on Trusted ChoiceŽ web site) and submit all requested documents in support of the application in order to be considered for a grant from the Fund. Use of funds The Fund expects to make grants to help Disaster individual victims and surviving family members, businesses unable to RSHUDWH LQ WKHLU RI¿FHV DQG QRQ SUR¿W EXVLQHVVHV DVVLVWLQJ RWKHU EXVLQHVVHV XQDEOH WR RSHUDWH LQ WKHLU RI¿FHV *UDQWV PD\ EH XVHG to cover expenses not covered by insurance or other grants for things such as: ‡ /RVW ZDJHV DQG EHQH¿WV UHODWHG WR HPSOR\PHQW VXFK DV health insurance); ‡ Lost essential personal property, including items lost IURP RI¿FHV RU ZKLOH SURSHUW\ ZDV HYDFXDWHG H J VKRHV eyeglasses); ‡ Medical expenses not subject to reimbursement (including psychological counseling expenses); ‡ Living expenses (e.g., food, clothing); ‡ Housing expenses (e.g., immediate rental assistance for displaced residents, mortgage, utilities); ‡ Transportation expenses; ‡ Funeral and related expenses for victims who died directly as a result of injuries sustained during a Disaster; ‡ 2I¿FH HTXLSPHQW IXUQLWXUH DQG VXSSOLHV ‡ 2I¿FH UHORFDWLRQ DQG RSHUDWLRQDO H[SHQVHV ‡ Other time-sensitive and unreimbursed expenses. Grants also may be used as otherwise provided for in these Guidelines. A recipient of a business grant may be required to SURYLGH YHUL¿FDWLRQ WR WKH )RXQGDWLRQ WKDW WKH JUDQW ZDV XVHG for the purpose(s) in the application. Ineligible use of funds The Fund will not make grants: 3OUTH #AROLINA !GENT "ROKER s 3PRING

‡ ‡

‡

To cover the value of cash, art, fur, jewelry or other nonessential items that were lost in a Disaster; To applicants who do not meet the criteria describing victims and surviving family members of a Disaster (in the Eligibility Section). The effect of lost business opportunities or a reduction in business due to the aftermath of a Disaster.

The Foundation of course reserves the right in its sole discretion, to reject any grant applications received, to select the grant recipients and to determine the amounts of any grants made. It also reserved the right to revise the guidelines at any time. Full Trusted ChoiceŽ Disaster Relief Fund Guidelines can be found on the Trusted ChoiceŽ web site, www. trustedchoice.com. To make a tax-deductible contribution, send a check payable to the “Trusted ChoiceŽ Disaster Relief Fund� to: Attn: Lillian Carter, Trusted ChoiceŽ Disaster Relief Fund, 127 S. Peyton St, Alexandria, VA 22314. To make a contribution via credit card, call Lillian Carter at 800-221-7917, extension 5372. For additional information, contact Jenner Gohr at jenner.gohr@iiaba.net or (800) 221-7917.

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Universal North America Insurance Company is rated A - (Excellent) by A.M. Best & Company. Insurance products are issued and underwritten by one of Universal North America’s insurance companies: Universal North America Insurance Company or Universal Insurance Company of North America. Issuance of coverage is subject to underwriting review and approval. Products may not be available in all states.

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Education Spotlight:

The

Pursuit of Excellence Through Education by Garrett Wreden, CPCU, AIP Kinghorn Insurance Agency of Beaufort

I

Education is one of the primary characteristics of a professional. SC Agent & Broker magazine will be regularly featuring a SC insurance industry professional who has made a commitment to better themselves through education. If you would like to contribute or recommend someone to spotlight, please contact Becky 0F&RUPDFN LQ RXU RIÂżFH EPFFRUPDFN#LLDEVF FRP

t was the beginning of spring semester and my college days would soon be coming to a close. In four months, I would be graduating with a Risk Management and Insurance degree from the Terry College of Business at the University of Georgia. With the conclusion of my college career approaching, there was a certain and inescapable question continuously reminding me of an uncertain future: “What the heck am I going to do for the rest of my life?� With the council of friends over several pitchers of beer one night, I transformed my question into a personal proclamation: “I am going to secure a job before I graduate!�

By the next morning, after being awoken by my one-yearold Chesapeake Bay retriever (his name is Hugo as he can be as destructive as the hurricane), I began analyzing my approach to procure employment. What I did not immediately realize was that my risk management professor was providing an excellent opportunity to assist my search. Dr. David Sommers was teaching advanced liability insurance and the “CPCU 552 Commercial Liability Risk Management and Insurance� was the class textbook. Unaware of 3OUTH #AROLINA !GENT "ROKER s 3PRING

WKH VLJQLÂżFDQFH DW WKH WLPH , VRRQ OHDUQHG DQG DSSUHFLDWHG WKDW CPCU was a premier professional designation short for Chartered Property Casualty Underwriter. Dr. Sommers explained that the CPCU program included eight rigorous courses ranging from HWKLFV ÂżQDQFH DFFRXQWLQJ SURSHUW\ FDVXDOW\ LQVXUDQFH HWF Later in the semester Dr. Sommers announced that all students would have the opportunity to take the CPCU 552 exam upon FRPSOHWLRQ RI WKH FRXUVH %\ SDVVLQJ LW D VWXGHQWÂśV ÂżQDO VFRUH would improve by one letter grade. 0\ ÂżQDO JUDGH ZDV D Âł% ´ ZKLFK ZDV WKH KDUGHVW ,ÂśYH HYHU had to work for less than top marks. Yet if I had gotten that “Aâ€? I may not have taken the exam or pursued the CPCU designation. , SDVVHG DQG P\ ÂżQDO JUDGH ZDV XSJUDGHG )XQQ\ KRZ WKLQJV work out sometimes. By the end of the semester, I had been offered several positions of employment. My personal proclamation to secure employment was realized. Although I do not credit it to my decision to embark on the CPCU designation directly, it certainly bolstered my marketability and helped distinguish me from the crowd of competition. Take a moment and ask what separates you from other agents. Why should John Doe or Company A decide to do business with you or your agency as opposed to the other agency in town? The answer to these questions is simple, but implementing the answer takes time, persistence, dedication and encouragement. Recently, the education committee for IIABSC collectively agreed upon a new branding slogan, “Excellence Through Education.â€? Independent agents in South Carolina should strive to raise

the level of professionalism in our industry. The single best way to accomplish this undertaking is to honor the client by providing expertise that can only be earned with experience and education. Experience will come in time, but education can begin today. In January 2008, I earned the AIP (Associate in Insurance Production) designation. The AIP course (a.k.a. Elite Sales School) is designed to guide and advise new producers in their own Garrett Wreden, CPCU, AIP, dances with his wife, Caroline Wreden, at the dinner cruise individual sales style. during our 2007 Young Agents Conference in Students in this course will Charleston. have the opportunity to meet and learn from many of the most successful agents and agency principals in South Carolina. Sales goals are set and measured each quarter and then analyzed for areas of improvement. In April 2008, almost three years after that 552 JUDGH ERRVWHU , SDVVHG P\ ÂżQDO &3&8 H[DP DQG ZDV awarded a diploma the following month. The CPCU program is a tough course that requires discipline and commitment. It may take several years to complete but

it will be CIC, ARM, AAI, CRM or CLU has yet to be determined, but I understand that continuing my education will better serve my clients and employer. 2009 will continue to be a challenging year as our economy struggles to recuperate. It is imperative to explain to clients why insurance is needed more than ever. Do this by honoring clients and distinguish yourself by dedicating a personal commitment to education. Support the insurance industry by increasing the level of professionalism through education. Whether pursuing a professional designation or signing up for additional continuing education classes, the pursuit of excellence through education should never end. My father once told me that “people can take a lot of things from you but they can never take away your education.� The opportunity is yours.

it is well worth it. The broad knowledge gained from the CPCU program can be applied immediately no matter if your position involves sales, customer service or management. Lacking practical experience, I have worked hard to earn the trust of clients and respect from peers through education. 7KH SHUVRQDO JUDWLÂżFDWLRQ DQG VHQVH RI DFFRPSOLVKPHQW XSRQ completing these programs was wonderful. In the near future, I will begin working on my next educational commitment. Whether 3PRING s 3OUTH #AROLINA !GENT "ROKER

Spotlight on

Anna T. Bailey, CIC, CISR John T Cook & Associates

“

When the time came to take the test, I was convinced I knew nothing about personal lines and probably shouldn’t be in the insurance business.”

My insurance career began almost seven ance, personal auto and years ago like many others - by chance. even of¿ce accounting. After my son was born I decided I wanted A couple months later a to go back to work, and an “of¿ce job” position came open as was the best ¿t for our growing family. a personal lines CSR. When I went to my interview and met Bonnie asked me if I Bonnie Cook for the ¿rst time she told me was interested and I, of about the agency and their clients. I told course, said yes. her I had no insurance experience, and In April of 2003 I went to Charleston her response was “Sometimes that’s best. for licensing school thinking I had been We can teach you our way.” She said I pretty good in school so it should be no could learn as much as I wanted to, and problem. After the ¿rst hour I realized I that insurance was a different business, could be in a little trouble. By lunch, I you either love it or you hate it. I am very realized I could be in a LOT of trouble. happy to say I have loved it from the start. I called Ben that night and told him I I started working as the receptionist was going to fail, but I made it through and learning the HO-6 business. I was the week (barely) and took the test on intimidated at ¿rst because everyone in Friday. After saying my last prayer I hit the of¿ce seemed to know this secret the button to review my results, and to my language I didn’t understand yet. Converastonishment I’d passed. sations were about “coverages” and “limI was given my own clients and book its,” “agents” and “brokers,” “admitted” of business. I wrote several new policies and “excess,” “workers comp,” “liability” the ¿rst couple weeks and was feeland “certi¿cates of insurance.” ing pretty good about myself. Then the I told Ben, my husband, I didn’t notices started coming from the compaunderstand what they were talking about nies detailing my mistakes. I learned very sometimes, but I was going to ¿nd out. I quickly it wasn’t the number of policies started learning Anna Bailey (third from about coverages, right) of John T. Cook & condo associaAssociates hangs out with tions and master fellow attendees before dindeeds. After a ner at the 2008 Young Agents couple months, I Conference at Daufuskie asked Bonnie to give me more. So Island. (/ WR 5 George Rosen of Johnson & Johnson, Will next was homand Heather Bowers of Ruseowner’s insursell Massey & Co., Tammy Blount-Wright of John T. Cook & Associates and Nick Theodore of Johnson & Johnson. 3OUTH #AROLINA !GENT "ROKER s 3PRING

I was writing, but the quality. Again, I asked Bonnie to educate me. Four months after getting licensed I took my ¿rst CISR class on insuring personal auto exposures. I already knew how to read a policy, but this class really broke it down and gave me a better understanding of the coverages. I started looking forward to my other classes. I ¿nally completed this designation after nine months. It has really helped me have a better understanding of coverages, how to really read a policy and how to advise my clients on what they need. I encourage everyone to try for this designation. It helps you become a better agent while you ¿ll your CE licensing requirements. Meanwhile, I was given another great opportunity by Tommy and Bonnie as the Personal Lines Supervisor and Bookkeeper. I began to learn all that is involved in

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Spotlight on Young Agents - cont. agency business - meeting with company reps, learning about premium goals, contingency agreements, company contracts, underwriting authorities, ¿nancial statements and human resources. It was great to learn so much, but I also didn’t want to lose touch with the insurance parts, so I kept a book of business. I started my CIC classes almost immediately after getting my CISR. My ¿rst class was personal lines. Since I had been working in personal lines for almost two years I thought it would be easy. Again, by lunch I had realized that I didn’t know nearly as much as I thought I did. At the end of my ¿rst day when it was explained how the exam was set up in 20 essay questions, the panic set in. I went to my hotel room and reread everything we had gone through that day, but I was still nervous the next morning, and it hadn’t lessened by the end of day two. I stayed in my room studying, making note cards and hoping for the best. When the time came to take the test, I was convinced I knew nothing about

Young Agent Committee member Anna T. Bailey, CIC, CISR has enjoyed herself over the years at South Carolina Big “I” events, whether she is FRXQ WHUFORFNZLVH IURP ULJKW participating in team building events at the Young Agents Conference, preparing to go on a WaveRunner Safari at the Young Agents Conference or laughing with her boss and former IIABSC President Tommy Cook at the keynote speaker of the IIABSC Annual Convention.

personal lines and probably shouldn’t be in the insurance business. I didn’t get my results until the week before I was going to take my second CIC class, but I was so excited and encouraged by reading the “Congratulations!” I ¿nally received my CIC designation in February of 2005. My next big change was in Spring 2007 when I started working in commercial lines. I had already been promoted to Of¿ce Manager a few months earlier. At this point I knew just enough about commercial lines to be dangerous. I didn’t think I wanted to make the jump, but I’m honestly glad that I did. But before that Bonnie and Tommy encouraged me to get involved with the IIABSC Young Agents. It has been a lot of fun, but there are so many bene¿ts as well. I started building relationships with company reps as well as other agents from across the state. The CE sessions are always interesting while teaching

about topics that directly affect us like ethics, technology, sales or marketing. Last year I was asked to serve on our Young Agents Committee. I encourage our principals to support the young agents in their agencies. I understand the economic stress the market has caused; however, we have to invest in the future of our business through our young agents. In addition to giving them knowledge to better serve clients you will also give them the opportunity to network and form helpful relationships with other young agents and company reps. The Young Agent Conference for 2009 is going to be in Myrtle Beach at the Grand Dunes Marina Inn July 30th – August 2nd. Our theme is “Changes is Latitudes - Changes in Attitudes” and the focus will be on how Young Agents can help shape the future of our industry. I encourage all our young agents in the business to talk to your principals about getting involved. We are the future of the insurance industry; what we learn and the relationships we form now will carry us through our entire careers. I never knew that one day in October 2002 could change my life so much. I am serving on the Young Agents Committee, the Convention Committee and will become an of¿cer on the IIA of Horry and Georgetown counties. I couldn’t have accomplished so much without the encouragement of Tommy and Bonnie Cook and the staff of John T. Cook & Associates. Nothing would be possible without the love and support of my family: Ben, Livi and Spencer. Thank you for your love and encouragement over the years!

If you know a Young Agent who deserves to appear in a future edition of this column, please send an email to Anita Trevino at DWUHYLQR#LLDEVF FRP

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n Aug. 29, 2005, Hurricane Katrina made landfall in the Gulf Coast region of the United States. After the wind abated and the water receded, this natural disaster had displaced thousands of residents and caused approximately $50 to $60 billion in property damage. Unfortunately, many property owners in the area had either inadequate or no insurance coverage at the WLPH ,Q WKH DIWHUPDWK RI .DWULQD PDQ\ SURSHUW\ RZQHUV ¿OHG lawsuits against insurance agents and insurers across the Gulf &RDVW UHJLRQ DOOHJLQJ WKDW DJHQWV IDLOHG WR RIIHU ÀRRG DQG H[FHVV À G

While basic homeowners, condo and rental insurance policies do not cover damages caused by an earthquake, earthquake coverage can be purchased as an endorsement or as a separate stand-alone policy. Generally, earthquake insurance pays the policyholder when an earthquake causes damage to the insured property. Geographical areas are typically graded RQ D VFDOH RI RQH WR ÂżYH IRU OLNHOLKRRG RI TXDNH ZKLFK LV WKHQ UHĂ€HFWHG LQ WKH LQVXUDQFH SUHPLXP 6RPH LQVXUHUV PD\ UHTXLUH a property inspection before agreeing to issue a policy. Many i i h b b l dd i f d i

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action may ultimately be resolved based on how a court and/or jury perceive the agent’s credibility against the customer’s. In this regard, WKH DJHQF\¶V ¿OH ZLOO SURYLGH WKH EHVW ZHDSRQ LQ defending a lawsuit. Many insurers recommend that the minimum level of earthquake insurance coverage SXUFKDVHG VKRXOG EH VXI¿FLHQW WR FRYHU WKH FRVWV of rebuilding the insured building and replacing damaged contents. As such, the amount of coverage should be based upon replacement and reconstruction costs, instead of the market value of the property and contents. At minimum, agents should send a cover letter with each renewal requesting that the client review the limits and notify the agency about any changes required to insure the full replacement cost of the structure(s). Agents who provide valuation assistance to their clients should review the amount of earthquake coverage limit at each renewal for any changes in replacement value and document these reviews in the agency’s ¿OH 7KH DJHQW VKRXOG DOVR VHQG FRQ¿UPLQJ correspondence of these reviews to the client. Such documentation will and has played a major role in the defense of suits brought against agents involving allegations that the earthquake coverage limits selected were inadequate to replace the insured building. While many clients may not be located in areas prone to an earthquake, some may have VXSSOLHUV DQG RWKHU EXVLQHVV DI¿OLDWHV WKDW DUH located in higher risk areas, such as California and the Gulf Coast. These customers face a VLJQL¿FDQW VHFRQGDU\ ULVN WR WKHLU EXVLQHVVHV LQ event that an earthquake interrupts operations in the high-risk areas. Accordingly, these clients may require additional insurance coverages, like business interruption coverage, to address this type of secondary exposure. Evaluate the commercial client’s in-state and out-of-state operations and critical business relationships in order to fully evaluate the client’s insurance needs. Make sure any business interruption coverage applies to interruptions caused by natural disaster-related disruptions to any of the client’s critical suppliers, whether the remote site is owned by the client or merely a vendor.

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Earthquake Insurance Facts Provided by the SC Insurance News Service

Most people don’t buy earthquake insurance because they think it’s too expensive and an earthquake will never happen to them. In South Carolina, the entire state is considered to have a moderate to high risk for earthquakes; no area is immune. While the frequency of earthquakes in South Carolina is low, the potential for a severe quake is high.

Most homeowner and rental insurance policies DO NOT cover damages caused by an earthquake, but coverage can be added to most policies as an “endorsement” for an additional cost.

Earthquake deductibles are set as percentages, i.e. 5% or 10% RI WKH FRYHUDJH DPRXQW UDWKHU WKDQ ¿[HG GROODU DPRXQWV The earthquake deductibles apply separately from your basic homeowner’s (and business) policy deductible.

Following a damaging earthquake, South Carolinians could face loss of life, injury and property damage. Without earthquake insurance, all those property losses would be uncovered.

The earthquake of 1886 in Charleston registered 7.6 on the Richter scale and was felt from Cuba to New York and from Bermuda to the Mississippi. Approximately 110 persons lost their lives. Damage estimates in 1886 dollars were about $5.5 million. Ninety percent of the brick structures around Charleston were damaged. (Earthquake Education Center, Charleston Southern University)

An earthquake of the same magnitude as the 1886 earthquake would cost close to $40 billion in today’s dollars (according to Applied Insurance Research).

About 70% of earthquakes in South Carolina are located in clusters around three areas: (1) Ravenel-Adams Run-Hollywood, (2) Middleton Place-Summerville, and (3) Bowman. These are not, however, the only places that earthquakes occur in South Carolina. Earthquakes have occurred in the Lake Jocassee area, Charleston/Summerville and near the Monticello Reservoir area in the past year. Other locations in the state with low level earthquakes in the last ten years are near Bowman, Neeses, Aiken, McCormick, Greenwood, Liberty Hill and the Savannah River Site. ((Earthquake Education Center, Charleston Southern University and University of South Carolina, South Carolina Seismic Network) k

Expect the Unexpected Preparing for the unexpected is one aspect of running a business that often gets overlooked. After Katrina, some agencies were left with boxes of unrecoverable documents that ZHUH UXLQHG LQ WKH ÀRRG The goal of any emergency plan is to assure the business can get back up and running with full access to all critical data and systems as soon as possible. An emergency plan should:

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IIABSC Foundation: Quietly promoting Insurance education and awareness for 25 years

7KDQN \RX &RQWULEXWRUV Our Purpose The IIABSC foundation was established in 1984 as a special means of providing support for any such programs helping to create a public image that will serve the insurance industry and have lasting effects on the association and its members.

Grants Arson Informant Awards Scholarships to students pursuing insurance degrees Continuing Education Scholarships for members CIC Institute Scholarships Scholarships for Young Agents to attend national legislative conference

Accident Insurance Company, Inc AMGRO, Inc. AmRisc, LP AmTrust North America BancInsure Inc Batesburg Ins Agency Inc BB&T/ Carswell Ins Services Bituminous Casualty Corp Blue Cross Blue Shield of SC Boney Insurance Office LLC Builders Insurance Group Builders Mutual Insurance Co CAGC Insurance Company Capitol Preferred Insurance Company Capstone Insurance Services LLC Companion Property & Casualty Group Continental Special Risks John T. Cook & Assocs, John Dillon Insurance Agency Inc Dovetail Insurance Fidelity National Property & Casualty Ins. Co.

First South Ins Agency Inc First Southeast Ins Services FirstComp Frontline Homeowners Insurance General Casualty Ins. Co. Genesee General GMAC Insurance Gresham & Associates GuideOne Insurance Hanover Excess & Surplus Inc IIABSC Agency Inc Infinity Insurance Irmo Ins Agency Inc Johnson & Johnson Jones Co, Fred Lesemann Ins Agency Low Country Insurance Services Inc Main Street America Group Market Finders Ins Corp W M Means Co Ins Montgomery Insurance Company National Security Fire & Cas Co

Frank B. Norris & Co Peoples Underwriters Inc Progressive Insurance Riley and Associates Inc Safeco Insurance Co Smith Agency, Howard B Southern Cross Underwriters Stone Ins Agency Inc Strategic Comp Summit Insurance Sunshine State Insurance Co Universal North America Universal Ins Co./ The Seibels Bruce Grp Upchurch & Jowers Ins Agency US Ins Services Inc Vista Insurance Group Wachovia Insurance Services J B Watts Company Inc

Memorials

A special form of contribution to the Foundation can be memorials that pay tribute to our former colleagues in insurance. Memorial donations may be made at any time and the families of those memorialized will be notified.

Eva Dabbs Anderson Memorial (Mrs. Julius J. Anderson, Sr.) Cormell Street & Patterson John T. Cook & Associates Frank Sheppard

Herbert C. Adams. Laurens John T. Cook CIC, Myrtle Beach Robert E. Livingston, W. Columbia Charles Midgley, Sr., Bennettsville William Thomas, Hilton Head Island

Mr. & Mrs. George Johnson, Sr. Memorial

Contribute

Frank Thompson Memorial

The IIABSC Foundation welcome contributions from all those affiliatied with the insurance industry. To make a contribution or memorial send them to address below. Contributions can also be made online using dues renewal tool.

IIA of Greater Charleston Steve & Jeanette Bloss

IIABSC Foundation, PO Box 210008, Columbia, SC 29221 - 803.731.9460

George Johnson Insurance

Avrid Lesemann Memorial Lesemann Insurance Agency

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Centennial Level Jules Anderson Anderson Insurance Assocs Ashley Brady First Charter Company John Braddy Braddy Insurance, Inc John Cook John T. Cook & Associates Ken Finch Countybanc Insurance, Inc. Kathy McKay McKay Stelling & Assocs Charles Paul Midgley Midgley Agency, Inc. R Scott Moseley Irmo Insurance Agency Inc Russell Parker Riley & Associates, Inc Drew Theodore Theodore & Associates Chris Tidwell Tidwell Agency, Inc Ross Turner Turner Agency, Inc

Gold Level Faye Bradham Peter Burrous Gary Cornell William Eaddy James Galloway Wayne Gosnell Dana Groome Michael Hogan Harry Johnson II Jack Puckett James Rowe Frank Sheppard James Taylor Charles Webb

Bradham Insurance Agency Johnson & Johnson, Mgrs. Prime Rate Prem. Finance Adams Eaddy & Associates Peoples First Insurance Gosnell Insurance & Assocs Peoples Underwriters, Inc Puckett Scheetz & Hogan Johnson & Johnson, Mgrs., CMGA Capstone Insurance Srvcs Kinghorn Insurance Srvcs Ind Ins Agts & Brokers SC Kinghorn Ins. Agcy/Beauf. Kinghorn Ins. Agcy/ Beauf.

Pioneer Club Harold Adams Adams Eaddy & Assocs Kenneth Byars R. Carl Byars Agency, Inc. Mike Carriker Waccamaw Insurance Services Cooper Carter Pinckney-Carter Company Ben Correll Correll Insurance Group David Cyphers Sifford Stine Ins. Agency Scott Derrick Derrick Insurance Agency Charles Dorton Russell-Massey & Co. Paul Durban Durban-Laird’s Lee Ellis Ellis Realty & Ins. Agency Richard Hutson W. M. Means Co. Insurance Larry Joyner CWS Insurance Agency Theodore Mappus Mappus Ins Agcy Inc Becky McCormack Ind Ins Agts & Brokers SC Robert McLellan, Jr. Byrd McLellan Agency Rudy Painter Countybank Insurance, Inc John Paul Anderson Ins. Associates Gloria Spivey Howard B. Smith Agency William Thomas BB&T/ Carswell Ins. Srvcs William Thomason Citizens Insurance Agency John Vann BB&T/ Carswell Ins. Srvcs Daniel Walker Palmetto Insurance Richard Walker Cormell Streett & Patterson

Founders Level Anna Bailey Victor Bates Leighton Besse James Boost William Braddy Ruth Brady Steve Cannon Beth Chastie Pam Day Ken Edwards Mark Felk Kimberly Gore Melody Herring Rob Hammett Harry Lovelace Felix McLellan Charles Orr Lynn Owens Isaac Shaffer Edward Spivey Vance Stine Tommy Suggs Nate Toms

John T. Cook & Associates Correll Insurance Group C.T. Lowndes & Company Johnson & Johnson, Mgrs. Braddy Insurance, Inc First Charter Co Inc Law Insurance Agency Ind Ins Agts & Brokers SC Correll Insurance Group Correll Insurance Group Brown & Brown of SC Assoc. Insurors/ First SE Ins. Russell-Massey & Company CWS Insurance Agency Correll Insurance Group Dillon Insurance Agency Correll Insurance Group Aiken & Company Palmetto Ins Assoc of Greenwood Howard B. Smith Agency Sifford Stine Insurance Keenan & Suggs CWS Insurance Agency

3OUTH #AROLINA !GENT "ROKER s 3PRING

Rae Whisenant Stephen Williams Arthur Yex

CWS Insurance Agency CWS Insurance Agency CWS Insurance Agency

General Contributors Debra Adams Geoff Amidon Christine Baker Carol Ballenger Gina Bloomer Jeanette Bloss William Bowers Barbie Bradham Bob Briante Ann Bridges Tammy Brookshire David Brown Connie Bullard Lynne Burnett Debra Carter Jana Carter Kelley Cash Barbara Causey Mildred Chavis Paul Clark Levi Crawford James Coleman Melanie Darley Debbie Davis Jennifer Davis Matt Dickard Alex Dickson Michael DiMaina Glenda Dixon Ginger Douglas Michael Douglas R.T. Dunlap Ryan Eaddy Brian Eanes Susan Edenfield J Elliott Kirsten Emery Deanna Ermson Kelly Erwin Haley Everett Rhonda Fallaw Melissa Federico Phyllis Foster Ann Fowler James Fowler Will Fowles Jan Garrett Rhonda Garrett Tom Glaz Helen Graham Teresa Graham Timothy Graves George Hagood Rene Halliday Will Hamer Beaver Hardy Linda Harnage Kia Harvey William Hixon Eric Holcombe Charlotte Home Angie Horton Amy Huellmantel Irene Huggins Joyce Hyder Marla Jackson Carrie Johnson Scott Johnson Barbara Kennedy Sara Jo Kent Brooks Keys DuPre Keys Marshall Keys Michele Kimbrell Bridgette King Danielle Lambert Anthea Maffett

Correll Insurance Group Travelers Insurance Adams Eaddy & Associates Correll Insurance Group Correll Insurance Group Ind Ins Agts & Brokers SC Russell-Massey & Co. Bradham Insurance Agency Montgomery Insurance Co Correll Insurance Group Countybanc Insurance, Inc Countybanc Insurance, Inc Braddy Insurance, Inc Correll Insurance Group Countybanc Insurance, Inc Correll Insurance Group Correll Insurance Group Braddy Insurance, Inc Countybanc Insurance, Inc Adams Eaddy & Associates Anderson Insurance Assocs The United Agency Countybanc Insurance, Inc Turner Agency, Inc. Braddy Insurance, Inc Correll Insurance Group Adams Eaddy & Assocs Assoc. Insurors/ First SE Ins. Countybanc Insurance, Inc Adams Eaddy & Associates Turner Agency, Inc. Countybanc Insurance, Inc Adams Eaddy & Assocs Anderson Insurance Assocs. Anderson Insurance Assocs. Correll Insurance Group Correll Insurance Group Correll Insurance Group Bird Ins Agency Jackson, Sumner & Assocs. Adams Eaddy & Assocs Correll Insurance Group Turner Agency, Inc. Correll Insurance Group Countybanc Insurance, Inc Adams Eaddy & Assocs The United Agency Countybanc Insurance, Inc Adams Eaddy & Assocs Bradham Insurance Agency Bradham Insurance Agency Southern Insurance Underwriters Hagood Insurance Agency Correll Insurance Group Frank L. Siau Agency, Inc. Adams Eaddy & Associates Turner Agency, Inc. Countybank Insurance, InF Hixon Insurance Agency Irmo Insurance Agency Inc Correll Insurance Group Correll Insurance Group Countybank Insurance, Inc Braddy Insurance, Inc Landrum Insurance Agency Adams Eaddy & Assocs Carrie Johnson Agency, Inc. Palmetto Ins. & Fin. Srvcs Bradham Insurance Agency Adams Eaddy & Assocs Palmetto Ins Assocs-Belton Palmetto Ins Assocs-Belton Palmetto Insurance First Charter Company Adams Eaddy & Assocs Braddy Insurance, Inc Irmo Insurance Agency Inc

>8C@ LDv3 2008 InsurPAC Contributors For information on InsurPAC Contact Scott Moseley, 803.781.4700 scotirmo@bellsouth.net

Mary Mahoney John McClintock Myra McClure Charlotte Messel Debbie Miller Lisa Morgan Loni Morelock Susan Morich Lisa Moseley Janet Mullins Benjamin Myers Andy Nason Judy Nelson Teri Newmark Steve Ochocinsky Eleanor Oswald Marilyn Pack Lori Painter Park Ashley Bonita Rabon Betsy Renken Rebecca Rotureau Keri Rowland Shelley Schommer George Schwab Bill Silcox Karen Smith Katrina Smith Susan Smith Brenda Snyder Linda Sorrow Alan Spachman Randy Stec Paul Stewart Kay Summerlin Jeanette Swails Ginny Taylor Robbie Templeton Linda Thompson Marjorie Toms RW Waddell Dede Wade Bob Walker Joye Wall Lori Watkins JB Watts Gerry Werhan Karen White Becky Williams Laura Williams Courtney Young Teresa Yount

Irmo Insurance Agency Inc The United Agency Correll Insurance Group Correll Insurance Group Irmo Insurance Agency Inc Adams Eaddy & Associates Correll Insurance Group John T. Cook & Associates Irmo Insurance Agency Inc Adams Eaddy & Assocs Russell-Massey & Co. Adams Eaddy & Associates John T. Cook & Assocs Correll Insurance Group Adams Eaddy & Assocs Anderson Insurance Assocs Landrum Insurance Agency Landrum Insurance Agency Adams Eaddy & Associates Adams Eaddy & Assocs Anderson Insurance Assocs Adams Eaddy & Assocs Correll Insurance Group First Charter Company Correll Insurance Group C.T. Lowndes & Company The United Agency Correll Insurance Agency Adams Eaddy & Assocs Countybanc Insurance Correll Insurance Group Belmont Insurance Services Countybank Insurance, Inc Adams Eaddy & Assocs Braddy Insurance, Inc Correll Insurance Group Anderson Ins Assocs/Pawleys Countybanc Insurance, Inc Countybanc Insurance, Inc Adams Eaddy & Asssocs Frank L. Siau Agency, Inc. Turner Agency, Inc. Landrum Insurance Anderson Insurance Assocs. Correll Insurance Group J BWatts Co Inc Berkley Mid-Atlantic Grp The United Agency Adams Eaddy & Assocs Adams Eaddy & Assocs Adams Eaddy & Assocs Bradham Insurance Agency

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3PRING s 3OUTH #AROLINA !GENT "ROKER

Calendar

April 22-24 27 29 29-30 30

May 5 6-8 13 27 28

E&O Risk Management, Myrtle Beach, 8 hrs P&C or L&H CIC Personal Lines, Columbia, 20 hrs P&C

22 23 23

CISR Commercial Property, Rock Hill, 7 hrs P&C Ethical & Legal Consideration for Agents, Rock Hill, 3 hrs Ethics Ethical & Legal Consideration for Agents, Myrtle Beach, 3 hrs Ethics Ethical & Legal Consideration for Agents, Bluffton/ HHI, 3 hrs Ethics CIC Commercial Casualty (Day 1), Myrtle Beach

CIC Ruble Graduate seminars, Myrtle Beach, 20 hrs CE Young Agents Scholarship Golf Tournament September E&O Risk Management, Columbia, 8 hrs P&C or L&H CISR Dynamics of Service, Myrtle Beach, 8 hrs P&C or L&H Big “I” National Legislative Conference & Convention, Washington D.C. 2 3 AAI 83B, Columbia, 7 hrs P&C or L&H CISR Personal Residential Property, Greenville, 7 hrs P&C 15 CISR William T. Hold seminar, Columbia, 8 hrs P&C or L&H 16 E&O Risk Management, Bluffton/ HHI, 8 hrs P&C or L&H 17 Surplus Lines Markets & Practices in SC, Myrtle Beach, 6 hrs P&C Personal Lines Problems & Pitfalls, Columbia, 6 hrs P&C Commercial Lines Nuts & Bolts, Columbia, 6 hrs P&C Agents Technology Conference, Columbia CISR Personal Residential Property, Columbia, 7 hrs P&C Surplus Lines Markets & Practices in SC, Columbia, 6 hrs P&C

23 30

June 4 10 11 17 24-26 30

13 26-28

CISR Commercial Property, Charleston, 7 hrs P&C E&O Risk Management, Greenville, 8 hrs P&C or L&H CISR Commercial Casualty, Greenville, 7 hrs P&C CISR Agency Operations, Columbia, 6 hrs P&C or L&H, 1 hr Ethics CIC Commercial Casualty, Charleston, 20 hrs CE Trusted Choice Big “I” National Championship State Qualifier, Day 1 Orangeburg

October 1-2 4-6 13 15 15 21

July 1 14 14 15 16 22 23 28 29 30 30-31

Trusted Choice Big “I” National Championship State Qualifier, Day 2 Orangeburg CISR Commercial Property, Florence, 7 hrs P&C CISR Personal Auto, Rock Hill, 7 hrs P&C CISR Personal Residential Property, Bluffton/ HHI, 7 hrs P&C Surplus Lines Markets & Practices in SC, Bluffton/ HHI, 6 hrs P&C Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics AAI 83A, Columbia, 7 hrs P&C or L&H Patrick Deem Roadshow, Columbia Patrick Deem Roadshow, Charleston Patrick Deem Roadshow, TBD Young Agents Conference (Day 1&2), Myrtle Beach

August 1 5 6 12

Young Agents Conference (Day 3), Myrtle Beach CISR Dynamics of Service, Charleston, 8 hrs P&C or L&H CISR Agency Operations, Greenville, 6 hrs P&C or L&H, 1 hr Ethics CISR Personal Auto, Columbia, 7 hrs P&C

21

CIC Commercial Casualty (Days 2&3), Myrtle Beach, 20 hrs CE IIABSC Annual Convention, Asheville, NC CISR Commercial Casualty, Columbia, 7 hrs P&C AAI 83C, Columbia, 7 hrs P&C or L&H CISR Personal Residential Property, Charleston, 7 hrs P&C CISR Agency Operations, Bluffton/ HHI, 6 hrs P&C or L&H, 1 hr Ethics E&O Risk Management, Columbia, 8 hrs P&C or L&H

November 4 5 5 11 11-13 17

Ethical & Legal Consideration for Agents, Columbia, 3 hrs Ethics Surplus Lines Markets & Practices in SC, Columbia, 6 hrs P&C CISR Commercial Casualty, Myrtle Beach, 7 hrs P&C CISR Commercial Property, Columbia, 7 hrs P&C CIC Life & Health, Hilton Head, 20 hrs L&H CISR Personal Auto, Greenville, 7 hrs P&C

December 8 9 10 11 15 16

Terry Tadlock Road Show, HHI/Bluffton, 6 hrs P&C Terry Tadlock Road Show, Charleston, 6 hrs P&C Terry Tadlock Road Show, Columbia, 6 hrs P&C Terry Tadlock Road Show, Greenville, 6 hrs P&C CISR Agency Operations, Charleston, 6 hrs P&C or L&H, 1 hr Ethics CISR Personal Residential Property, Columbia, 7 hrs P&C

Register online at www.iiabsc.com 3OUTH #AROLINA !GENT "ROKER s 3PRING

)&"3 5)"5 4.005) )6..*/( 406/% :&") 5)"5¾4 64 When it comes to collector car insurance, we’re firing on all cylinders. Hagerty offers your clients great rates and no mileage restrictions. And you get speedy commission payments and amazing service. We’re fast. We’re easy. We’re better. And that should keep you humming. For more information on becoming a Hagerty agent, call today.

800-747-5348 | WWW.HAGERTYAGENT.COM

3PRING s 3OUTH #AROLINA !GENT "ROKER

2009 Board of Directors

Executive Committee Chairman Julius J Anderson, Jr, AAI (Jules) Anderson Ins Assocs LLC Charleston, SC janderson@aiasc.com

Secretary W. Ashley Brady, CIC (Ashley) First Charter Co., Inc. Marion, SC DEUDG\#多UVWFKDUWHULQV FRP

Chairman Elect/Treasurer Kathy D McKay, CIC CPIW (Kathy) McKay, Stelling & Assocs Mt Pleasant, SC kmckay6681@aol.com

National Director John R Braddy, CIC, AAI (John) Braddy Insurance, Inc. Dillon, SC jbraddy@braddyinsurance.com

Immediate Past Chairman Jon A Jensen, AAI AIP (Jon) Correll Ins Group Spartanburg, SC jjensen@correllinsurance.com

Directors Faye R. Bradham, LUTCF (Faye) Bradham Insurance Agency Conway, SC fbrayins@aol.com

R. Scott Moseley (Scott) Irmo Insurance Agency Irmo, SC scotirmo@bellsouth.net

W. Paul Eaddy, Jr (Paul) Adams Eaddy & Associates Columbia, SC peaddy@adamseaddy.com

Jasper D. Puckett, CPCU CRM CIC ARM AAI (Jack) Capstone Insurance Services LLC Greenville, SC jdp@capstoneinsurance.com

Kenneth A. Finch, CPCU CIC CRM AAI (Ken) Countybanc Insurance Inc Greenwood, SC N多QFK#HFRXQW\EDQF FRP

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

Larry G. Joyner, CIC, AAI CWS Insurance Agency Spartanburg, SC larry@cwsinsurance.com

Christopher T. Tidwell, CPCU, CIC (Chris) Tidwell Agency, Inc. Lexington, SC chris@tidwellagencyinc.com

Charles Paul Midgley, Jr. (Charles Paul) Midgley Agency, Inc. Bennettsville, SC cpmidgley@mecsc.net 3OUTH #AROLINA !GENT "ROKER s 3PRING

AmTrust North America An AmTrust Financial Company

3PRING s 3OUTH #AROLINA !GENT "ROKER

Independent Insurance Agents & Brokers of SC 800 Gracern Road Columbia, SC 29210

PRSRT STD U.S. Postage

PAID Permit No. 1467 Fort Worth, Texas

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