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 Table of contents:
ACORD formsAgency managementAgency perpetuationAgency sales and acquisitionsAgency terminationAgency valuationAssociation informationAutoAutomation/technology issuesBanksCancellation/nonrenewal issuesCertificates of insuranceCoastal issuesCommercial autoCommercial liabilityCommercial propertyCommission and disclosureCompany appointmentsCompany insolvency/rehabilitationConsumer materialsContracts and agreementsCoverage checklistsCoverage issuesCredit reportsCustomer serviceEducationEmployee staffingEmployee trainingEmployee/employer compensationErrors and omissionsESOPsExcess and surplus linesFeesFloodFraudHomeowners/dwellingHuman resource issuesI.D. cardsIdentity theftIndependent agent marketingIndustry-related issuesInland marineLead informationLegislative/regulatory issuesLicensingLife/healthMarketsMold issuesMoney managementMotor vehicle reportsPersonal autoPersonal umbrellaPrivacy issuesRecord retentionRegional informationReinsuranceRide hailingRisk managementRisk retention groupsSales managementTaxesTerrorism issuesTrailer coveragesWindstorm catastropheWorkers’ compensation
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ACORD forms
QS90678 - ACORD certificates frequently asked questions
- A comprehensive review of ACORD's certificates of insurance forms, along with answers to commonly asked questions. 4 pages
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Agency management
QS90185 - (Nonweb) site planning—how your office is set up is more important than it looks
- This document walks you through the importance of office layout in customer service and common areas that should be considered in how your agency is set up. 4 pages
QS90126 - Agency diversification—working with financial planners
- Overviews the benefits of financial planners and what to look for in choosing one to work with. 2 pages
QS90218 - Agent/broker of record changes
- Outlines the proper use of the ACORD 35 and 36 forms when a producer and insured dissolve their business relationship. 3 pages
QS90548 - An entrepreneurship to a professionally managed firm
- A four-part series that discusses the journey from a small business into a larger organization. 9 pages
QS90752 - Are your employees doing busy work or productive work?
- This resource kit discusses tasks you can give your employees to promote productive work which could generate new business for your agency. 2 pages
QS90787 - Binding coverage requires that agents follow established procedures
- This resource kit offers guidance on proper procedures when binding insurance coverage. 2 pages
QS90395 - Choosing between an S corporation and an LLC
- A comprehensive review of the difference between these two types of corporation formations to assist you in making this important choice. 3 pages
QS06056 - Connecticut's rebating and referral fee requirements
- A detailed discussion of the rules regarding rebating or inducements by insurance producers within Connecticut. 1 page
QS90768 - Distinguishing yourself from the competition—be a consultant, not a commodity
- Offers strategies that could help you set your agency apart from the competition. 3 pages
QS90618 - Effectively wearing the three hats—how agency owners can thrive as a CEO, sales manager and producer (04/16/16)
- This resource kit outlines how agency owners can thrive as a CEO, sales manager and producer by spending 80 percent of their time on jobs that are going to bring the most return to the agency. 3 pages
QS90709 - Five reasons your office needs flexibility in today’s marketplace—Cloud computing puts technology in its place, freeing independent insurance agents to focus on business growth
- This resource kit discusses how cloud computing can simplify IT demands for agents allowing more time to focus on business growth. 4 pages
QS90573 - Four ways to grow your agency—basic strategies to carry you forward
- Discusses four key ways to grow your agency by winning new customers, inspiring customer loyalty, increasing agency revenues and improving your agency processes. 4 pages
QS90690 - Gaining professionalism through best practices guidelines (04/06/16)
- Offers guidance on how your agency can instill professionalism within the agency when written procedures are followed by all agency staff. 4 pages
QS90223 - Get your staff working together—plan and hold productive meetings
- Meeting planning tips offered on who needs to be involved, when a meeting is truly needed, importance of an agenda and how to increase staff participation. 2 pages
QS90766 - Importance of New Year's resolutions for agency owners
- Discusses three key items for your agency to consider for starting off the new year on the right foot. 2 pages
QS90760 - Interns: to pay or not to pay
- This resource kit discusses the facts and circumstances surrounding internships and will assist you in determining whether an intern is a paid employee. 3 pages
QS90435 - Keep control of your agency
- Helpful tips to keep agency principals in control of the issues that arise in everyday agency life. 2 pages
QS90268 - Managing employees effectively—the dos and don'ts of developing potential
- Overviews five steps to effectively manage employees, build on their strengths and improve weaknesses for the benefit of the agency. 3 pages
QS90790 - Managing the dynamics between your sales and service teams
- Sales and service employees are different from one another. This resource kit gives you knowledge to know the difference between the two and offers tips on getting them to work together as a team. 2 pages
QS90726 - Planning for the incapacity of a key employee
- This resource kit discusses how to plan for the sudden incapacity or death of a key employee. 2 pages
QS90657 - Putting a priority on your time
- This resource document gives you helpful tips on how to prioritize and manage your time effectively. 2 pages
QS90721 - Recharge your leadership mojo—eight ways to reignite your passion so you can reignite your agency
- This resource kit discusses ways to transform your agency and create a healthy employer/employee dynamic to help move your agency in the right direction. 3 pages
QS90570 - Secrets to having a stress-free vacation
- Offers tips on how to take extended time away from the office that will help you to enjoy your vacation without the stress of what's happening at the office. 2 pages
QS90778 - The 'other' BI
- Offers opportunities for agency owners to mine the data that they have within their agents to plan for the future based on where they have been in the past. 2 pages
QS90278 - The 10 commandments of workplace motivation
- Explains ways to increase motivation within the workplace and the importance of it being everyone's job within the agency to keep themselves motivated. 2 pages
QS90604 - The big questions for agency owners (04/05/16)
- Answering and acting on these important questions can help you enhance your agency's overall performance. 4 pages
QS90487 - The language barrier: meeting the requirements of insureds who are not proficient in the English language
- Provides a number of court cases to help illustrate the complexity of the agent's/broker's responsibility to ensure their insureds understand their policy coverages when there is a language barrier. 4 pages
QS90405 - The six information management questions every organization should ask
- Disorganization creates inefficiency. To help increase agency efficiency, this resource kit covers the four essential questions regarding agency business information. 3 pages
QS90758 - Underwriting: A collaboration toward profitability
- An in-depth review of how front-line underwriting can increase agency profits. 2 pages
QS90159 - What can you do when a client files bankruptcy?
- An in-depth look at the steps an agency can take in a client bankruptcy situation along with a glossary of commonly used terms. 3 pages
QS90377 - Why, what and how independent agencies OWN
- An educational effort by PIA National that speaks to critical aspects affecting the ownership, content and control of the independent agency's book of business. 6 pages
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Agency perpetuation
QS90817 - A smart perpetuation plan
- This resource kit discusses different options you can use when developing your agency perpetuation plan. 4 pages
QS90741 - Avoid the pitfalls of family business (04/06/16)
- This resource kit offers suggestions on how to avoid the pitfalls of employing family members. 2 pages.
QS90749 - Death in an agency
- This resource kit discusses things an agency owner should have in place to ease transitions for estates and partners in the event of an untimely death of an agency principal. 2 pages
QS90754 - Everything's relative—do your children have the right stuff?
- This resource kit discusses things to be considered when deciding whether to perpetuate your agency to children or relatives. 4 pages
QS90027 - Family limited partnerships offer estate opportunities for agency owners
- Discusses a strategic opportunity for agency owners that helps generate future estate tax savings. 3 pages
QS90540 - From generation to generation—perpetuation planning for the family agency
- An overview of the succession planning process, which includes a perpetuation planning checklist for agency owners. 5 pages
QS90838 - Is your agency at risk? Vulnerability, operating profitability and perpetuation are the great concerns
- This resource kit discusses areas of concern for agents when it comes to agency vulnerability, operating profitability and perpetuation. 2 pages
QS90762 - Perpetuation plans protect the agency's future
- This resource kit discusses the importance of having a perpetuation plan in place to ensure the continuation of the agency in the event of an unforeseen tragedy. 4 pages
QS90845 - Plan on it! Develop your exit strategy sooner rather than later
- Key tips on how to plan well in advance of your anticipated agency exit to ensure your personal and business goals have been met. 2 pages
QS90041 - Planning for agency perpetuation
- Family businesses can gain insight into the importance of perpetuation planning and the consequences of neglecting to plan ahead. 4 pages
QS90745 - Successful succession—develop a plan to reward yourself for years of hard work
- A helpful resource to assist you in properly planning your exit from the agency and the continued growth of the agency. 11 pages
QS90590 - Ten rules for family-run businesses
- Ten fool-proof rules to follow for a well-run family business. 2 pages
QS90550 - Ten steps to an internal perpetuation game plan
- Provides helpful steps to consider when determining if an internal agency perpetuation plan is right for your agency. 4 pages
QS90780 - Transition planning: don't ‘wait and see’—the future is closer than you think
- This resource kit discusses the importance of developing a timeframe and plan for perpetuation to ensure the greatest return when you turn over ownership. 3 pages
QS90539 - Who will take ownership
- A discussion on why agencies should have a perpetuation plan including some important steps to consider when creating such a plan. 2 pages
QS90783 - Your agency's strategic business plan—‘by failing to prepare, you are preparing to fail’
- This document discusses the importance of having a strategic business plan for your agency and key topics to be included when developing your agency’s plan. 4 pages
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Agency sales and acquisitions
QS90037 - Agency acquisitions—things you should consider
- Outlines questions you should ask yourself if you are looking to acquire another agency. 2 pages
QS90794 - Beauty is in the eye of the buyer—agency sellers should rely on the current seller’s market for a great price
- Discusses the most common mistakes when selling an agency and what buyers are seeking to provide the greatest interest and highest prices in a seller’s market. 3 pages
QS90093 - Buy-sell agreements make everyone a winner
- Offers common items that should definitely be included in the development of a buy/sell agreement. 3 pages
QS90166 - Can you afford to acquire an agency?
- Addresses questions a potential agency buyer would want to answer to be sure they are financially able to make the purchase. 2 pages
QS90825 - Cluster tips
- Key points to consider when working with a cluster contract between individual agencies or groups of agencies. 2 pages
QS90837 - Don’t let finances stand between you and an agency ownership dream—potential owners have an array of choices.
- This resource kit offers tips to help you in your decision to become an agency owner. 2 pages
QS90228 - Merger counseling—there's more to it than a simple 'I do'
- Addresses cultural shock issues that may affect employees and the agency in general when two agencies make the decision to merge. 4 pages
QS90622 - So, you’ve decided to sell your agency
- Overviews specific details you should consider when looking to sell an agency and how to make the transition more efficiently. 3 pages
QS90099 - Tips for opening your own agency—where to begin (04/28/16)
- Offers insight into items you should consider when opening an insurance agency and helpful resources to get you on the right path. 3 pages
QS90237 - Use an arbitration clause in your agency purchase agreement
- In-depth discussion of arbitration clauses and their importance in today’s agency purchase and sales agreements. 2 pages
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Agency termination
QS06005 - Connecticut agency termination—what are your rights?
- An in-depth guide to agent's rights when faced with an agency termination with emphasis on laws and regulations that apply concerning notice requirements and run-off periods. 6 pages
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Agency valuation
QS90755 - Critical factors affecting agency value
- This resource kit reviews the 10 most important factors that affect agency value, according to a survey of over 200 insurance agency principals. 6 pages
QS90067 - Determining agency value—part 1
- The first in a series explaining agency worth and different valuation approaches. 2 pages
QS90068 - Determining agency value—part 2
- Second in a series giving you a more in-depth overview of asset-based, market-based and income-based approaches to valuation. 3 pages
QS90069 - Determining agency value—part 3
- Third in a series offering you a review of the basic steps used to value an agency using the income approach and more specifically the direct capitalization of earnings method. 2 pages
QS90070 - Determining agency value—part 4
- Fourth in a series covering agency valuation and determining the cost of capital. 3 pages
QS90071 - Determining agency value—part 5
- Fifth in a series that applies the direct capitalization method to a hypothetical agency for easy understanding. 6 pages
QS90072 - Determining agency value—part 6
- Last in a series discussing the determination of tangible net-worth value and the final conclusion of fair market value. 5 pages
QS90039 - How NOT to value an agency
- A discussion of the percentage-times-revenue valuation approach and how, many times, it is not the appropriate way to value an agency. 3 pages
QS90735 - How to determine the value of your agency—agency worth can be calculated through different models
- This resource kit discusses different types of values that can play a role when determining your agency’s value. 3 pages
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Association information
QS90113 - Antitrust: what PIA can and can’t do
- PIA's legal staff provides insight into the antitrust laws, and a discussion of what PIA can and can't do in certain situations. 3 pages
QS90384 - Not receiving email from PIA? Best practices to get the most out of your inbox (05/13/16)
- Tips you can use to get the information you need from PIA. 2 pages
QS90694 - PIA Tool Kits brochure (04/05/16)
- A comprehensive overview of the online tool kits available to association members. 2 pages
QS90054 - PIA's Circle of Consultants (04/05/16)
- Brochure that overviews PIA’s Circle of Consultants program and how you can access a consultant for your particular agency needs. 2 pages
QS06037 - PIACT membership benefits flier
- A listing of numerous products and services available through PIACT. 2 pages
QS90449 - PIA’s Industry Resource Center (04/05/16)
- A brochure outlining the valuable services available through PIA's member-exclusive Industry Resource Center. 2 pages
QS90171 - Professional Insurance Agent camera-ready logos (04/07/16)
- PIA logos available to members when creating print or web-based publications. 1 page
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QS90046 - Injury, collision and theft losses and top 10 most stolen vehicles by state and make
- Information on several different vehicles with their recent injury, collision and theft losses along with the most common vehicles stolen. 19 pages
QS90087 - Is a drive-other-car (DOC) exposure lurking in your files?
- Coverage needs of a business auto policyholder requiring protection for personal exposure of principals or employees; and then that of personal auto insureds with a business exposure. 3 pages
QS06085 - Mobile equipment vs. auto (04/22/16)
- Contains information that assists in determining whether a piece of equipment is more appropriately covered under the commercial auto or commercial general liability policy. 4 pages
QS90555 - National Highway Traffic Safety Administration relative collision insurance cost information booklet
- This NHTSA booklet, published June 2014, provides a chart comparison of the differences in insurance costs for passenger vehicles. 18 pages
QS90081 - Shopping for a safer car (04/15/16)
- Overviews the common safety items to consider when looking to purchase a vehicle. 5 pages
QS90279 - Stated amount coverage
- An in-depth discussion of stated-amount coverage and agreed-amount coverage and how they impact personal and commercial auto policies. 3 pages
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Automation/technology issues
QS90545 - An agency guide to premium-comparison systems—third edition
- A comprehensive resource that helps producers understand key workflow and technology issues surrounding multiple-company comparative rating for those who are looking to boost agency profitability and customer service. 93 pages
QS90807 - An agency’s comparative rater … a valuable tool—experts help you decide ‘what’s right’ for your agency (04/06/16)
- This resource kit offers input from experts in the field of software and technology on what an agency needs to look for in a comparative rating system. 3 pages
QS90510 - AUGIE commercial-lines policy detail download
- Outlines the importance of commercial-lines download and how agencies can implement this type of program. 31 pages
QS90574 - AUGIE’s Real Time makes real $$$$$
- This guide is designed to provide step-by-step tools to help get each person in an agency or brokerage involved in marketing, sales and growth. 18 pages
QS90521 - AUGIE—The independent agent’s real-time implementation guide
- A comprehensive look at how the implementation of real-time transactions in an insurance agency can improve efficiency and, ultimately, the bottom line. 11 pages
QS90831 - Automate social-media marketing
- This resource kit outlines automating social-media marketing and provides some tips for getting started. 3 pages
QS90697 - Become a paperless producer—what to look for in a tablet
- This resource kit talks about different ways producers can utilize tablet devices to interact with clients and prospective clients. 3 pages
QS90187 - Benchmarks for building an effective website
- This resource kit addresses the considerations that should be made when establishing a website. 3 pages
QS90764 - Cloud computing vendors
- A listing of vendors that offer cloud computing services. 2 pages
QS90178 - Copyrights, disclosures and disclaimers
- Provides sample verbiage for disclosures and disclaimers that may be included on an insurance producer’s website. 2 pages
QS90456 - CRM technology—competitive edge for agencies
- Discusses how customer relationship management technology can help agencies improve profitability, reduce costs and increase sales by targeting the right customers with the right products. 3 pages
QS90541 - Do you have a procedure for handling emails from your clients?
- Discusses the need to have a plan in place that your staff can follow for handling incoming/outgoing email from the agency. 2 pages
QS90743 - Five steps to choosing an agency management system—how to pick the right AMS for your agency (05/17/16)
- Strategies agents can use when deciding which agency management system is the right fit for their agency. 3 pages
QS90649 - Getting started: developing social media strategy and agency policies
- Helps create a strategy and agency policies for bringing social media into your agency. 4 pages
QS90672 - How you can grow your business with QR codes
- A summary of what quick response codes are, their history, how they are used and how to take advantage of this new technology. 5 pages
QS90857 - I have issues ...
- This resource kit a discussion on the topic of online purchasing and binding of insurance policies. 2 pages
QS90208 - Internet insurance sales: opportunity or potential liability?
- PIA's E&O counsel offers useful information for the insurance agent or broker seeking some measure of safety in the untested Internet insurance sales market area. 3 pages
QS90336 - Just image-n
- Discussion of how document imaging can be used to its fullest potential in easing agency workloads, improving client service and assisting with marketing efforts. 3 pages
QS90823 - Maximizing mobile: from good idea to must do
- This resource kits discusses benefits of having a mobile app available for your clients. 2 pages
QS90681 - Mobile—it’s the way to go
- Information for producers on how to use mobile devices to boost sales and connect with prospects or clients. 3 pages
QS90579 - Multi-company (comparative) rating: an optimal workflow
- This report focuses on a workflow designed to incorporate third-party reports into the rating process and recommendations for the next steps to take. 12 pages
QS90648 - PIA members embracing the Internet and social media—making it their own
- How some PIA members are utilizing today’s social media outlets to market their businesses. 6 pages
QS90496 - Productive agency visits by insurance carrier field representatives
- An ACORD-User Group Information Exchange (AUGIE) guide to assist agency principals, agency staff and insurers to work together toward common goals increasing efficiency and technology workflows. 21 pages
QS90641 - Q&A with Steve Anderson: agency websites
- The first in a series of talks with PIA technology consultant Steve Anderson on how to create a successful agency website and how to install and use WordPress as your website content management system. 2 pages
QS90605 - SEO: not just for the techies—how your agency can use search-engine optimization in its business plan
- Discussion on the different aspects of search engines and how they can be put to use for your agency. 3 pages
QS90644 - Social media and surplus lines
- A discussion of laws and best practices relating to advertising surplus-lines insurance specifically with the use of social media. 3 pages
QS90712 - Social media guidelines: just like any other aspect of your operation, clearly defined procedures are critical to a social media presence
- Tips on how to set up a social media policy for your agency and things you should consider. 3 pages
QS90684 - Technology today, sales tomorrow
- This resource kit discusses the importance of agencies using today’s technology in order to compete with tech-savvy agencies. 3 pages
QS90798 - Technology use in your agency
- Addresses the use of agency technology by customer service representatives. 2 pages
QS90560 - Technology-related terms
- A comprehensive list of technology-related terms and their applicable definitions. 15 pages
QS90607 - The changing insurance consumer—technologies to help you compete
- The many new technologies available to agents to help them compete for business. 5 pages
QS90212 - The Electronic Signatures Act requirements
- Provides an overview of the Electronic Signatures Act which gives electronic contracts the same legal status as written agreements. 4 pages
QS90682 - The mobile Internet—insurers, producers must face new reality
- Discussion of the demand for mobile-based services in the insurance industry. 2 pages
QS90718 - The new small agency
- Offers a review of the technology-related functions that make beginning a new agency easier than ever. 2 pages
QS90723 - Use technology to help run your business more efficiently
- A review of technology-related tools, such as Zillow, that assist in agency workflow efficiency. 4 pages
QS90339 - Using CD-based tools can raise revenues
- Discussion of a CD-based tool that assists agencies in offering a “sales” business card on a CD disk to prospective insureds and existing clients. 3 pages
QS90561 - Using Craigslist to find new staff—becoming a savvy recruiter through the use of the Internet
- Discusses the option of using Craigslist as a way to find and hire young professionals into the agency setting. 2 pages
QS90645 - Using social media: proper planning and execution is the key to making it work
- Proper pre-planning tips for getting into the social-media marketplace to protect your agency. 2 pages
QS90549 - Using video for sales and service
- Illustrates how to take advantage of video technology as a communications tool for clients, prospects and staff. 3 pages
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QS90820 - Boom!—boiler and machinery exposures
- This resource kit discusses ways to provide coverage for boiler and machinery exposures. 4 pages
QS90821 - Using electronic signatures could save billions
- This resource kit illustrates different ways electronic signatures can improve workflow in your agency and offers solutions available for e-signatures. 4 pages
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Cancellation/nonrenewal issues
QS90290 - Cancellation notice change in procedures—sample letter
- A sample client letter for when an agency decides they no longer want to send or call policyholders reminding them of policy cancellations, when it has previously been a practice of the agency to do so. 1 page
QS06068 - Policyholder protections in Connecticut
- In-depth outline of policyholders' protection rights when a carrier cancels or nonrenews a policy including notice time frames, permitted reasons and other important rules. 25 pages
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Certificates of insurance
QS90706 - Additional insureds and certificates of insurance
- A comprehensive comparison of the CG 20 33 07 04 and CG 20 10 07 04 ISO commercial general liability forms as they relate to blanket additional insurance status. 2 pages
QS06058 - Certificates of insurance—for information only
- An in-depth review of certificates of insurance including E&O concerns, legal ramifications, standards, cancellation notice, Insurance Department rulings and commonly asked questions and answers. 4 pages
QS90724 - COI: Important, dangerous and worthless?
- This resource kit discusses regulations surrounding the use of certificates of insurance. 3 pages
QS06126 - Connecticut certificates of insurance law
- A comprehensive review of what certificates were intended for and also what they were not. Outlines Connecticut's new certificates of insurance legislation.
QS06128 - Connecticut law forbids certain certificate of insurance requests
- A comprehensive question-and-answer piece for agents and brokers regarding Public Act 14-74 regarding the proper use of certificates of insurance. 2 pages
QS90772 - Fight over certificates of insurance ongoing
- This resource kit discusses the legislative efforts pertaining to certificates of insurance and the importance of being diligent when dealing with demands for certificate of insurance. 3 pages
QS90763 - More on additional insureds
- This resource kit discusses items included on certificates of insurance and touches on a few issues that are commonly misunderstood by certificate holders. 3 pages
QS90348 - Requests for “primary and noncontributory” language on certificates
- An in-depth discussion of requests to add general contractors as additional insureds and an explanation of what certificates were meant and not meant to do. 2 pages
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Coastal issues
QS06105 - Connecticut's Coastal Market Assistance Program—an overview
- A comprehensive summary of the Connecticut C-MAP including applicable coverage, eligiblity requirements and more. 3 pages
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Commercial auto
QS90130 - Commercial auto accessorizing—1998 ISO filing (05/20/16)
- Explanation of commercial auto endorsements dealing with worldwide coverage for rental cars, limited Mexico coverage and employee-hired autos. 4 pages
QS90134 - Insuring the corporate car (05/25/16)
- Outlines several different exposures involved in insuring corporate vehicles and how to best cover each situation. 4 pages
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Commercial liability
QS90045 - 1995 ISO CGL—defense costs of an indemnitee
- Overview of ISO's 1995 CGL filing that establishes an unequivocal contractual provision for payment of defense costs of an indemnitee, while designating such expenses for an active defense as “supplementary payments,” under appropriate jurisdictions. 3 pages
QS90414 - Advantages and disadvantages of additional insured status
- Addresses issues that arise when requesting an additional insured be added to a commercial general liability policy. 3 pages
QS90244 - Claims-made vs. occurrence trigger
- A comprehensive discussion of claims-made and occurrence policies including an explanation of retro dates. 4 pages
QS90031 - Complex exposures created by leases
- An extensive review of contractual lease coverage afforded in commercial general liability policies including a sample waiver of subrogation. 5 pages
QS90141 - Discontinued products and completed operations coverage
- Overview of the importance of discontinued products and completed operations coverage and how it impacted one insurance agent personally. 3 pages
QS90826 - Drones, risk management and insurance
- Providing the proper insurance coverage for a UAS is not as simple as it might seem. This resource kit offers information on the legality and coverage issues surrounding the use of drones. 2 pages
QS90617 - If you build it, design responsibility may come—to haunt
- A review of the Harbor v. Omni case and what exposures a contractor may have and how to properly handle those under commercial general liability forms. 3 pages
QS90499 - Incestuous suits
- A discussion on the cross liability situations that may arise on a commercial general liability policy. 3 pages
QS90777 - ISO 2001 CGL forms offer a mixed bag (05/24/16)
- This resource kit discusses the different forms that have been added to the ISO Commercial General Liability Program. 4 pages
QS90430 - ISO 2004 CGL; mobile equipment redefined (04/20/16)
- Outlines the numerous revisions made by Insurance Services Office Inc. in the 2004 Commercial General Liability multistate forms and endorsements filing and provides a brief synopsis of the more substantive changes and includes an at-a-glance chart. 4 pages
QS90133 - ISO CGL 1998
- Discussion of ISO’s 1998 CGL filing highlighting tenants legal liability, personal and advertising injury and the pollution exclusion. 4 pages
QS90708 - ISO GL Program changes are likely to please some producers
- This resource kit discusses some of the ISO General Liability program changes that took effect April 1, 2013. 3 pages
QS90819 - ISO responds to commercial drone use
- Overview of ISO's commercial drone filing.
QS90796 - Please don’t slam the door shut
- This resource kits discusses the functions of claims-made and reported policies. 2 pages
QS90148 - The Montrose filing
- In response to legal developments, such as the Montrose case in California, ISO revised its commercial policies in 1999 to preclude claims for known losses. 4 pages
QS90844 - The drone trend—what your clients need to know
- This resource kits discusses what a drone is and how it impacts your client’s insurance policies. 2 pages
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Commercial property
QS90044 - 1995 ISO commercial property program
- Includes major elements of ISO’s 1995 commercial property program including vacancy provisions, business interruption, builders’ risk, collapse, ordinance and law as well as other miscellaneous enhancements. 3 pages
QS90611 - 2010 ISO BOP pushes the envelope
- This resource kit outlines the latest 2010 edition of the ISO BOP Program and the new endorsements included in the program. 5 pages
QS90786 - BIC for the lessee
- The resource kit discusses coverages and exclusions when applying business income coverage on a commercial building. 2 pages
QS90098 - Dependent property coverage—because, because, because
- A discussion of business interruption forms and endorsements indemnifying for the consequential or indirect loss associated with physical damage to the insured’s property. 4 pages
QS90576 - ISO commercial property 2007 edition changes
- A comprehensive update on several revised commercial property coverage forms, causes-of-loss forms and an overview of newly added endorsements. 3 pages
QS90196 - ISO commercial property program undergoes year 2000 revisions
- Outlines major changes in the ISO 2000 commercial property program including flood coverage, increased cost of construction, vacancy, property in transit, business-income coverage and much more. 6 pages
QS90089 - Spoiled goods coverage
- A “how to“ to ensure that your commercial clients (deli, baker, florist, etc.) receive the necessary coverage for goods spoilage. 4 pages
QS90704 - The ISO Commercial Property Program gets a tune-up
- Reviews the changes effective in 2013 with ISO’s 2011 Commercial Property Program. 3 pages
QS90769 - Understanding tenants improvements coverage—again
- This resource document will help bring clarity to the topic of tenant’s improvements and betterments coverage in the ISO Building and Personal Property Coverage Form (CP 00 10). 3 pages
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Commission and disclosure
QS90742 - Hard markets and commission cuts: What can producers do?
- This resource kit discusses what to look for in agency contracts and other avenues producers can use when faced with hard markets and commission cuts. 3 pages
QS06095 - PIACT's guide to Connecticut's Compensation Disclosure Law
- An in-depth review of this statute and the impact it will have on Connecticut insurance producers. 6 pages
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Company appointments
QS90792 - Are your carrier relationships adding value to your agency?—10 ways to find out
- This resource kit offers 10 suggestions for improving your agency’s relationships with carriers and how to make carrier visits more productive. 3 pages
QS90547 - Build and strengthen your agency-carrier relationships
- Offers insight and perspective on what agencies and carriers should be able to expect from one another. 3 pages
QS90646 - Establish solid business practices with your carriers—classic strategies for success (04/14/16)
- This resource kit discusses some classic strategies for success for your agency. 3 pages
QS90035 - How to present your agency to a company for appointment
- A guide for agencies to prepare for a possible company appointment including a discussion of business, marketing and perpetuation plans. 19 pages
QS90104 - PIA’s Agency-Company Appointment Program and Appointment Access Program (04/05/16)
- Brochure on PIA’s Agency/Company Appointment and Appointment Access Programs that assist members, carriers, MGA and GAs in finding each other for possible appointments. 2 pages
QS90446 - Six steps to true carrier partnerships
- Gives you the information you need to create and maintain a healthy relationship with the carrier with which you do business. 3 pages
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Company insolvency/rehabilitation
QS90260 - Advice for agents and brokers regarding liquidation
- Action items agents and brokers should consider in notifying clients of a potential company insolvency. 1 page
QS90399 - Carrier ratings: do they really matter?
- Review of carrier ratings and how they could impact your agency’s business. 2 pages
QS90789 - Guidelines for when a company goes into liquidation
- A comprehensive review of what to expect when a carrier goes into liquidation. 2 pages
QS90241 - Insurer insolvency: suggestions for agents, brokers
- PIA's E&O counsel offers input on the responsibilities an agent and broker has to their insureds in the event of a company insolvency. 2 pages
QS90249 - Sample customer letter upon downgrading of insurer
- Sample verbiage agents may personalize to notify clients that a carrier has had their A.M. Best rating lowered. 1 page
QS06106 - The consumers' safety net—insurance guaranty associations in Connecticut
- A comprehensive summary of Connecticut insurance guaranty mechanisms. 16 pages
QS90401 - Understanding producer responsibility with company insolvency
- Outlines the company insolvency issue and, in particular, an insurance producer’s duty of care in such situations. 4 pages
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Consumer materials
QS06112 - Connecticut Insurance Department consumer complaint form
- The Connecticut Insurance Department's consumer complaint form and instructions. 4 pages
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Contracts and agreements
QS90517 - Agency-insurer agreements—information issues for agency principals
- Overviews important contract aspects insurance producers should be aware of when “accepting” online agency-insurer agreements. 3 pages
QS90285 - Agreements not-to-compete: protection or illusion?
- PIA’s E&O counsel discusses covenants-not-to-compete and legal exposures for agency management. 2 pages
QS90131 - Brokerage contracts—a checklist
- A checklist of items brokers should be aware of and at a minimum be included in any brokerage contract. 1 page
QS06127 - Connecticut sample producer agreement
- An in-depth look at producer contracts and proper considerations for entering these types of agreements, along with sample wording for such contracts. 5 pages
QS90609 - If it’s in writing is it an enforceable contract?
- This document outlines a number of situations whereby a contract may not be enforceable, even if it’s in writing. 2 pages
QS90804 - Is your agency making expensive promises?
- This resource kit gives insight into what could be intended as nothing more than an enthusiastic declaration of dedication to help secure coverage, which could put an agency on the hook for more than it may have considered. 3 pages
QS90791 - It's more than who owns the book of business
- The issue of who owns a book of business goes beyond carrier-agency relationships. This resource kit discusses the different types of relationships and how to protect your ownership of a book of business. 2 pages
QS90014 - PIA research series: agency agreements
- A PIA National report covering agency agreements and their important aspects including ownership of business, commissions, termination and contingency agreements. 36 pages
QS90491 - Property/casualty agency-company agreements—what to watch for before you sign
- An overview of the considerations that should be made before signing a company agreement. 4 pages
QS90216 - Reviewing agency agreements—PIA offers producers a few tips
- Tips on things producers should look for when reviewing company/agency agreements such as agent’s authority, indemnification, compensation, termination and warranties. 3 pages
QS06074 - Sample brokerage agreement
- PIACT's legal staff has drafted a sample brokerage agreement which outlines the broker's authorities, licensing, payment of premiums, termination, hold harmless and more. 4 pages
QS90276 - Separation agreements
- Offers tips on things that should be considered when developing a separation agreement, including sample verbiage. 3 pages
QS90572 - Understanding the restrictions of a noncompete
- This illustration of restrictive employment covenants helps clarify what a noncompete agreement must contain in order to be upheld by the courts. 3 pages
QS90728 - Who really owns the book of business?
- Comprehensive review of agency/company agreements and in particular, ownership rights. 2 pages
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Coverage checklists
QS90750 - BOP vs. CPP
- Discussion of the differences between a Businessowners Policy and a Commercial Package policy. 3 pages
QS90782 - Commercial property valuation/limit checklist
- A comprehensive customer checklist to use when working to determine property valuations. 2 pages
QS90272 - Homeowners exposure survey
- A form that allows producers to run down the various homeowners exposures and make notes when reviewing coverage with the insureds. Includes a spot for insureds to initial if they choose not to select a particular coverage. 5 pages
QS90679 - Sample commercial-lines coverage checklist
- A sample checklist for commercial lines that you can use when reviewing exposures with your commercial-lines clients. 2 pages
QS06115 - Sample personal auto exposure survey—Connecticut
- A form that allows producers to run down the various personal auto exposures and make notes when reviewing coverage with insureds. Includes a spot for insureds to initial if they choose not to select a particular coverage. 2 pages
QS90739 - Sandy stresses need for talks, checklists and documentation (05/13/16)
- This resource kit discusses the importance of helping your clients understand what is covered under their insurance policies, and how coverage checklists can be helpful in determining your customer’s needs. 2 pages
QS90583 - Workers' compensation: insurance and risk management checklist
- A comprehensive checklist to assist insurance professionals when reviewing workers’ compensation policies with their clients. 2 pages
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Coverage issues
QS90167 - 1999 ISO employee theft endorsements
- This resource kit unshackles the crime policy by examining some of the employee theft coverage variations that are available through several endorsements. 5 pages
QS90434 - 2000 Crime program revisions (04/20/16)
- Makes a simple distinction between the eight insuring agreements of the Commercial Crime Coverage Form in terms of the crimes covered, types of property covered and locations where property is covered. 4 pages
QS90485 - 2006 ISO BOP
- Summarizes the Insurance Services Office Inc.’s 48 changes to the BP 00 03 coverage form, 32 changes to multistate endorsements and 11 new multistate endorsements. 3 pages
QS90057 - A primer on surety (05/26/16)
- Offers a basic knowledge of surety fundamentals that will assist agents in serving their clients. 3 pages
QS90535 - Asking the right questions (05/23/16)
- Discusses the questions an insurance practitioner should ask to obtain a complete analysis of coverage. 4 pages
QS90419 - Bail-ing out
- Discusses the coverage issues presented by bailments and how to properly handle. 3 pages
QS90418 - Bailment basics
- Outlines the legal theories that create exposures to financial loss. 3 pages
QS90665 - Blanket or automatic; it really does make a difference
- It is always important to be able to advise your clients correctly. This document discusses the distinction between “blanket” and “automatic” additional insureds, a common E&O exposure. 1 page
QS90630 - Cyber insurance
- This resource kit discusses what cyber liability is, how it can affect your business and what exposures you may have. 3 pages
QS90628 - Green risks—should they be a red flag for your agency?
- This document discusses the risks and exposures surrounding green-technology and the coverage exposures. 2 pages
QS90118 - Insurable interest—how far will it stretch?
- For a claim to be paid the claimant must be an insured under the policy and the insured must have an insurable interest, as this resource kit will explain. 3 pages
QS90656 - Insurance policy comparison firms
- A listing of insurance policy comparison firms who can assist you in comparing policies for your clients. 1 page
QS90459 - Insureds going through divorce—avoiding collateral damage
- Discusses contractual obligations and provides prudent procedures that will assist agents dealing with policy issues that arise when insureds become separated or divorced. 3 pages
QS90597 - Is D&O liability covered under a homeowners policy?
- Reviews items that should be considered when discussing directors and officers liability exposures with your clients who volunteer for nonprofit boards of directors. 2 pages
QS90402 - ISO 2002 eligibility changes for garage risks
- Addresses what to consider when converting a service risk from the garage policy. 3 pages
QS90056 - ISO underground storage tank program
- Outline of ISO’s underground storage tank program that offers a self-contained policy and discussion of its features. 2 pages
QS90729 - It’s the end of the world as we know it ... and I feel fine
- Provides a refresher course on the basics of some key coverages your clients may want to consider. 2 pages
QS90488 - Joint Ownership Coverage endorsement
- Depicts relationships that can form the basis of joint ownership and illustrates when to use the ISO Joint Ownership Coverage endorsement to provide appropriate insurance coverage. 2 pages
QS90195 - Living trusts
- In-depth analysis of living trusts; how they would affect homeowners and personal auto coverage as well as probate procedures. 5 pages
QS90106 - Manufacturers selling price endorsement
- While many manufacturers have a continuous production schedule and relatively stable inventory levels, you should advise them of potential loss to the mark-up value of finished stock, as this kit will discuss. 4 pages
QS90179 - Options for covering watercraft
- A refresher on watercraft insurance and how to determine the best avenue for coverage for the wide range of watercraft available. 3 pages
QS90438 - Reservation of rights letters and nonwaiver agreements (05/26/16)
- A discussion of what a reservation of rights letter means with regard to coverage, including tips on producer involvement. 3 pages
QS90680 - Sample life insurance coverage checklist
- A sample checklist that you can use when reviewing life insurance exposures with your clients. 2 pages
QS90323 - Sub-ro-ga-tion
- Provides an explanation (with examples) of subrogation and how it applies to specific types of policies. 4 pages
QS90423 - The dreaded coinsurance exam question
- For the insurance novice or the more experienced practitioner who has not quite been able to conquer the coinsurance concept. 4 pages
QS90105 - The impact of production fluctuation on business income coverage
- A discussion of how seasonal and yearly fluctuations in production can impact business income coverage and the appropriate measures to take to make the most effective use of premium. 5 pages
QS90225 - The orphan policy
- Explains how auto and homeowners policies are affected when the policyholder dies. 3 pages
QS90492 - To report or not to report
- A discussion of claim denials on the late notice of claim; if and when an occurrence is reported to the carrier and what implications there are for all parties concerned. 4 pages
QS90092 - U.S. territories—what are they?
- A comprehensive definition of policy territories when it states the United States of America, its territories or possessions. 4 pages
QS90466 - Volunteers get much-needed immunity
- A summary of the Volunteer Protection Act of 1997, a federal law, which limits the liability concerns for volunteers of nonprofit organizations. 2 pages
QS90454 - When dogs have more than a bark
- An illustration of the “landscape” of the New York, New Jersey, Connecticut and New Hampshire dog-bite laws, including specific approaches taken. 3 pages
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Credit reports
QS06096 - Connecticut security freeze and security breach law
- A comprehensive summary of Public Act 05-148 detailing the law as well as its affect on insurance professionals. 2 pages
QS90266 - Consumer alert from NAIC—credit scoring: how does it affect you? (04/15/16)
- A consumer piece offered by the National Association of Insurance Commissioners that answers common questions about credit scoring. 1 page
QS06042 - What's the score? (05/20/16)
- Definition of insurance scoring and how it is legally used to aid insurers in underwriting acceptability as well as how to comply with the requirements of documentation and privacy issues. 11 pages
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Customer service
QS90740 - 10 tips to support new CSR success (04/07/16)
- This resource kit discusses how to successfully acclimate a new CSR into your agency. 1 page
QS90365 - 17 terrific telephone tips
- Simple steps you can take to improve telephone customer service skills. 1 page
QS90850 - 17 Terrific tips to be a great co-worker
- Suggestions and a great reminder of what co-worker actions make up a pleasant, productive office environment. 1 page
QS90417 - Agency ownership changes call for extra customer TLC
- Provides insight on what to do to keep from alienating customers and losing accounts during times of major agency transitions. 2 pages
QS90673 - Are your CSRs familiar with government programs and pools?
- Summary of the six common nonstandard pools to place coverage when a standard market is not an option. 2 pages
QS90774 - Attract and retain good CSRs
- This resource kit provides tips on how to attract and retain good CSRs. 2 pages
QS90799 - Broker liability: duty to defend
- This resource kit discusses brokers being held liable for the insurance purchasing advice they provide to clients. 2 page
QS90651 - Can you hear me now? Good!—telephone manners pay off
- Discussion of certain rules of etiquette when using the telephone as a first point of contact with potential clients. 3 pages
QS90856 - Can your customers bind coverage by simply sending you an email?
- A discussion of the necessity of having an email disclaimer for E&O purposes. 2 pages
QS90685 - Capitalize on current clients in a difficult economy
- Some popular methods in today’s tough economy to retain good customers. 3 pages
QS90474 - Cash, kudos or pizza ... just what motivates your CSRs? (05/06/16)
- Ideas to help successfully motivate CSRs and improve the climate of their working environment. 3 pages
QS90610 - Customer service centers can help your agency in today’s competitive market
- Offers information on customer service centers and how using them could be beneficial to your agency. 2 pages
QS90577 - Customer service: the needs of the high-value client
- Discusses key goals for customer service staff to become proficient in marketing high-value personal-lines markets. 2 pages
QS90443 - Dealing with difficult customers
- Become adept at handling difficult customer situations by using the tips and tools provided in this resource kit. 4 pages
QS90441 - Dealing with your customers’ time constraints
- Attack the challenge of your customers’ time contraints by making the time spent more productive for you both, using the three strategies discussed in this resource kit. 3 pages
QS90477 - Handling the irate caller (05/06/16)
- Provides some basic strategies to use when speaking with unhappy, irate customers. 2 pages
QS90307 - How well do you know your clients?
- Stresses the importance of knowing your customers so that you can provide the best coverage possible. 2 pages
QS90751 - Is your agency a trustworthy source for advice?
- Stresses the importance of having your policyholders feel confident that you have their best interests in mind when putting their policies together. 2 pages
QS90524 - Keep that smile on your client’s face—improve your agency response and increase satisfaction
- Provides helpful tips on ways to keep your clients coming back. 3 pages
QS90765 - Make a difference with great customer service—retaining the personal touch
- Offers tips on how to achieve good customer service to help maintain a successful agency. 2 pages
QS90293 - Making the customer connection
- A five-step process that will allow you to reveal needs and create value regarding the products and services you offer. 3 pages
QS90312 - Relationships work far better than techniques—satisfied customers make great salespeople
- Teaches how important personal relationships are to creating successful businesses. 2 pages
QS90802 - Sample electronic delivery consent form
- A sample consent form allowing you to electronically transmit policy information to your clients with their written sign-off. 1 page
QS90848 - Seventeen terrific tips to be polished and professional
- Offers 17 tips for anyone working in the customer-service field. 2 pages
QS90480 - The CSR and combating consumer assumptions
- Offers suggestions on ways CSRs and other agency staff can combat the false assumptions many insurance consumers have about independent insurance agents. 3 pages
QS90616 - The “customer first” mantra—sales bring in customers; customer service helps retain them
- A great reference to assist your service staff in making customer service their No. 1 priority, handling difficult callers and how to apply the SOFTEN approach to their customer dealings. 3 pages
QS90775 - Tips to help your customer service team make sales (04/18/16)
- This resource kits provides you with tips to help your customer service team make sales. 2 pages
QS90800 - What's on your customer service checklist?
- A checklist of five ways to improve customer service and win long-term repeat and referral business 2 pages
QS90163 - Working the phones—seven tips to make your call center more customer friendly (04/14/16)
- Covers seven tips that will increase the effectiveness of your agency call center to provide the utmost in customer service. 2 pages
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QS06031 - Connecticut continuing-education requirements
- Basics on the state's continuing education requirements with guidance on who must comply, how many credits are needed, courses applicable, how to report your credits and noncompliance issues. 5 pages
QS06121 - Connecticut Insurance Department approved pre-license education course providers
- Offers a listing of Connecticut Insurance Department-approved continuing-education vendors
QS06118 - Connecticut Insurance Department's insurance continuing-education handbook (September 2015)
- Offers answers to commonly-asked Connecticut continuing education questions. 5 pages
QS90502 - Continuing education/licensing renewal tracking services
- Contact information for firms that provide continuing education and license renewal tracking services. 1 page
QS90385 - PIA offers designation/certificate programs
- Highlights three professional designation/certificate programs available through PIA. 1 page
QS06001 - PIACT's education schedule
- Annual education schedule. Includes locations, costs, etc. 4 pages
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Employee staffing
QS90596 - Drive agency performance—managing, rewarding and engaging talent
- Strategies for effectively recruiting, motivating and retaining committed employees. 3 pages
QS06108 - Employer recruitment assistance program
- An online resource of how to work with Connecticut Workforce Board career centers to locate potential agency employees. 4 pages
QS90594 - Personality and aptitude assessment firms
- A listing of nationwide firms that offer personality and aptitude testing for the purpose of assisting in the hiring process. 2 pages
QS90666 - Rapid producer validation—find a good fit, assign a mentor and be quick to fire if things go bad (04/05/16)
- This helpful resource kit discusses things to look for when hiring a new producer for your agency. 4 pages
QS90198 - Round up the best employees—avoid common hiring mistakes
- This resource kit covers some of the important mistakes made during the hiring process and how to better prepare yourself beforehand to ensure employee compatibility within the agency. 3 pages
QS90578 - Strategies for hiring and retaining talent
- Tools to assist you in hiring and retaining talented employees, including special worksheets for developing assessments, employee goals, strategic actions plans, self evaluations and so much more. 14 pages
QS90599 - Ten critical questions to ask when checking references
- Questions to ask when checking references of potential employees. 2 pages
QS90580 - The hidden wealth in workers—you don’t have to cut back to streamline your staff
- Changes that could lead your agency to a more streamlined, productive and successful year. 2 pages
QS90497 - Welcoming a new employee into your company—an orientation plan is essential
- Outlines ideas for creating a smooth orientation and transition plan for new employees. 3 pages
QS90463 - “Selling” a sales career on campus
- Discusses an often overlooked solution to what seems to be the most universal problem in the industry, how to find good insurance producers. 2 pages
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Employee training
QS90464 - Staff training for best agency results
- Discusses the need to train existing employees on the importance of becoming more specialized in their product offerings. 5 pages
QS90602 - The marketing value of CSRs
- Details why fine tuning your CSRs can be a strong asset to your agency. 2 pages
QS90515 - Training customer service representatives
- Addresses and provides suggestions for improving customer service representatives’ training. 3 pages
QS90471 - Training employees, supervisors and managers
- Discusses the legal implications created by the employer-employee relationship when dealing with the screening, interviewing and hiring process; workplace harassment; and requests for leaves of absence and accommodations. 4 pages
QS90537 - Understanding and effectively utilizing progressive discipline
- Provides tips to help employers deal with employee discipline, attempt to address and correct performance and conduct concerns. 3 pages
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Employee/employer compensation
QS90635 - Agency compensation and productivity—what the latest studies show
- A comprehensive comparison of the latest compensation studies outlining producer and CSR compensation levels. 10 pages
QS90562 - CSR workloads and rewards—comparing commercial-lines and personal-lines CSRs
- Discussion based on “The CSR Profile” survey results and shows the differences in workload responsibilities. 4 pages
QS90124 - Effective sales management: monitoring producers’ performance, production, compensation and support
- Offers input on effective ways to monitor producers, their production and ultimately compensation. 3 pages
QS90531 - Evaluate producers’ sales and compensation
- Provides helpful factors to consider when evaluating producers’ performance as well as survey results from the Producer Profile, published by the National Alliance Research Academy. 3 pages
QS90161 - How much can you afford to pay your producers?
- Overviews a comprehensive calculation process to estimate how much in assets an agency has for compensation of sales staff. 4 pages
QS90461 - How productive are your CSRs?
- A discussion of CSR commission, production and compensation standards to determine adequate staffing needs based on results from a national study of independent agencies. 4 pages
QS90024 - How to compensate agency owners
- This resource kit discusses developing an equitable plan to properly compensate agency owners for the specific roles they play. 2 pages
QS90324 - Is your agency on course?—employee compensation
- Offers benchmark results of the Academy’s Growth and Performance Standards study to assist owners and managers in determining the proper range of salaries and/or bonuses for their employees. 5 pages
QS90156 - Motivate key producers with a deferred commission plan
- Overview of a popular arrangement agencies are using to offer their producers a deferred commission plan to allow them to share in the fruits of their work. 2 pages
QS90834 - The state of agency compensation structures—consider technology, incentive programs and training
- A review of compensation structures and how incentive programs, increased technology programs and additional training can increase the value of your agency. 3 pages
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Errors and omissions
QS90686 - 20 practical tips to avoiding E&O claims
- E&O tips you can implement within your agency to help you avoid an E&O claim. 5 pages
QS90219 - E&O Quarterly newsletter archive
- Archive of past issues of PIA’s errors and omissions newsletter. 2 pages
QS90716 - After the storm—Insurance agents E&O lessons learned
- A review of the lessons learned from previous catastrophes to assist agents in their E&O exposures. 3 pages
QS90263 - Agency claims handling: a crossroads for E&O liability
- PIA’s E&O counsels outline the importance of an effective claims handling procedure and offer a few suggestions to avoid a potential claim. 2 pages
QS90835 - Agency producers: your total commitment is critical
- A discussion on how a producers’ commitment to an agency can play an integral role in agency’s success. 2 pages
QS90525 - Agents and brokers errors and omissions
- An informative piece put out by The National Underwriter Co. discussing professional liability insurance for agents and brokers. 9 pages
QS90267 - An agent’s quandary: how to leave cancellations alone
- Secondary courteous cancellation notices or calls are common practices, but what happens when an agency wants to eliminate the extra workload? PIA's E&O experts outline the ramifications. 2 pages
QS90421 - Certificates of insurance: a constant source of E&O claims
- A discussion of a common and recurring source of errors and omissions claims dealing with agents’ and brokers’ issuance of certificates of insurance. 3 pages
QS90467 - Computer-generated records and their use in the defense of E&O claims
- A discussion on how the various rules of evidence are applied to errors & omissions claims when the evidence is electronically generated. 3 pages
QS90852 - Confirm information received from insured
- A review of an E&O case involving a broker being held responsible for confirming underwriting information and suggested strategies members should follow. 3 pages
QS90506 - Dealing with non-English speaking clients
- Discusses the best way to handle the communication concerns that arise when dealing with clients who do not speak English. 2 pages
QS90533 - Defining an E&O “claim”
- A discussion defining when an E&O claim is considered reportable and includes a few helpful E&O claims-handling tips. 2 pages
QS90781 - Don’t let your agency get sunk by a watercraft E&O claim
- This resource kit discusses how to properly cover watercraft avoiding the chances of an E&O claim. 2 pages
QS90505 - Errors and omissions risks: buying a book of business from a retiring owner
- Lists a few basic account types found in most books of business, where errors and omissions concerns should be anticipated. 2 pages
QS90715 - Failure to read the policy: a defense for an E&O claim?
- This resource kit discusses a New York Court of Appeals decision that could have an impact upon claims against insurance agents and brokers. 4 pages
QS90470 - Have you ever audited your agency?
- Using two distinct approaches, these internal auditing procedure tips will help agencies identify their specific areas of E&O concern. 2 pages
QS90851 - How management shapes an agency’s E&O culture
- Critical reminders for management that play a significant role in minimizing the potential for E&O claims. 2 pages
QS90513 - How to increase your profits and reduce your E&O exposure
- Offers four simple steps that will not only decrease E&O exposures but help to increase agency profits. 2 pages
QS90830 - I just got sued: do I have to worry?
- This resource kits discusses about different considerations when being faced with an E&O claim. 2 pages
QS90744 - Insurance proposals: a powerful E&O prevention tool
- This resource kit discusses how a good insurance proposal can help your clients gain a clear understanding of coverages and how they work and also be a key tool in the defense of your agency. 2 pages
QS90816 - Is your agency as 'E&O proof' as you think?
- This document talks about reviewing the different areas of your agency where you may be able to increase your agency's E&O loss prevention.
QS90659 - More on assumed duties and E&O exposures
- The kit discusses what the responsibilities of Joint Insurance Funds and possible E&O exposures associated with them are. 3 pages
QS90698 - Notify insureds of cancellations: a Catch-22?
- Recent cases and strategies surrounding issues with cancellations and conflicts that arise for agents and brokers. 4 pages
QS90321 - PIA’s E&O assistance (04/05/16)
- Brochure explaining PIA’s E&O assistance available through the PIA Industry Resource Center from industry E&O expert Robert Sullivan, Esq. 2 pages
QS90773 - Reduce your chances of an E&O claim
- Being a producer or account executive requires tremendous knowledge and attention to detail. This resource kit offers helpful strategies for ways to reduce your chances of an E&O claim. 2 pages
QS90676 - Reduce your E&O exposure by educating your staff
- Some initiatives that can enhance your staff’s knowledge and reduce your E&O exposure. 2 pages
QS90202 - The 24/7 agency—E&O security in an age of constant communication
- Concerns and recommendations that agencies face when trying to meet the increased demands of customers. 7 pages
QS90551 - The duty to advise—the trend toward a heightened duty imposed upon agents and brokers
- A discussion, using case law, regarding the extent of obligation owed to an insured by agents and brokers when advising on insurance coverages. 3 pages
QS90810 - The insurance producer’s obligation to advise a client—the existence of a ‘special relationship’
- The resource document talks about producers' obligations to advice clients about coverage and legal liabilities which could arise from that advice. 4 pages
QS90670 - The mirror test—a significant E&O hotspot
- Discussion of the importance of mirroring coverage when moving a policy to a different carrier and discussing the differences with your policyholders. 2 pages
QS90273 - The signed commercial insurance application
- A signature on a commercial application by the insured, or their representative, is crucial to reaching the goal of keeping producers from becoming enmeshed in claims disputes. 2 pages
QS90227 - Top 10 ways to get hit with an E&O claim
- The top 10 ways an agency is sure to get hit with an errors and omissions claim. 2 pages
QS90717 - Weathering the storm: A brief guide to post-Sandy litigation
- Discusses various scenarios that lead up to litigation and some strategies to assist agents to be in a better position to defend any claims that may arise against the agency. 3 pages
QS90809 - When is an E&O claim an E&O claim?
- This resource kit assists agents and brokers in determining when the threat of an E&O claim actually becomes a reportable claim and the importance of reporting the claim on time. 3 pages
QS90853 - Which position would you rather take?
- A review of an E&O situation in which some positive initiatives are pointed out along with things that can be done differently. 2 pages
QS90843 - Workers’ compensation—more of an E&O risk than you might think
- A discussion of the errors and omissions risks when writing a workers’ compensation policy to include the potential for fraud, subcontractor issues and multistate exposures. 2 pages
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QS90021 - Enhancing your agency cash flow with an ESOP
- Exploring the concept of using an employee stock ownership plan to create a tax shield on debt principal payments. 3 pages
QS90023 - ESOPs: how agency owners win!
- The Tax Reform Act of 1984 included a provision that allows the seller of capital stock sold to an ESOP to defer taxation on the resulting capital gain. 3 pages
QS90162 - Planning opportunities for S corporation ESOPs
- Overviews the law that allows S corporations to sponsor ESOPs while still maintaining their pass-through tax treatment for federal income tax purposes. 3 pages
QS90025 - Warehousing cash for your perpetuation
- How you can accumulate cash in the ESOP trust account to prepare for the purchase of a retiring shareholder’s stock. 3 pages
QS90022 - Why you should consider selling to an ESOP
- Discusses the advantages of a leveraged ESOP compared to more traditional perpetuation financing plans. 4 pages
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Excess and surplus lines
QS06016 - Connecticut exportable list
- Listing of specific risks for which the superintendent has waived the requirement for brokers to obtain declinations from authorized insurers, because coverage from authorized insurers is generally unavailable. 1 page
QS06009 - Connecticut surplus-lines facts
- Connecticut surplus-lines facts, including the latest sworn statement and other resources. 2 pages
QS90737 - Moving some standard business to the E&S market?
- Discusses some issues to keep in mind when placing business in the E&S market. 2 pages
QS90689 - Placing business with wholesalers in a hard market
- Offers tips on what to look for when placing business through a wholesaler. 4 pages
QS90693 - The two-way beauty contest—relations between agents and wholesalers can be a win-win in the E&S market
- Outlines some of the common expectations of both parties and how both parties can be successful in the relationship. 3 pages
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QS06003 - Charging fees in Connecticut
- The particulars for Connecticut producers on charging fees and agreements needed, as well as, a sample agreement for your use. 9 pages
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QS06100 - Connecticut Insurance Department Important Notice re: flood insurance training requirements pursuant to Section 207 of the Flood Insurance Reform Act of 2004
- A bulletin issued by the Connecticut Insurance Department outlining producer requirements for flood training. 1 page
QS90614 - Flood insurance frequently asked questions (04/20/16)
- Some of the common, and not so common, questions raised about the National Flood Insurance Program. 3 pages
QS90526 - My property is wet, it must be a flood
- Discusses the problems providing coverage for water damage that can arise even when combining a homeowners policy and a flood insurance policy. 3 pages
QS90554 - NFIP Community Rating System—what it could mean for your insureds
- An overview of the NFIP Community Rating System and how independent agents can play an active role in getting their communities to participate. 2 pages
QS90725 - Now that the storm has passed ...
- An overview to help you educate your customers about the importance of flood insurance and how to better prepare your agency to handle a disaster. 2 pages
QS90528 - Recommend flood insurance to every client—key observations
- A discussion on how every client is at risk for being flooded and how limited coverage can be obtained principally through the National Flood Insurance Program. 2 pages
QS90733 - Something’s wet, it must be a flood, right?
- Explanation of the coverage difference between a homeowners policy and a flood policy. 3 pages
QS90018 - ‘How to’ for flood insurance
- A “how to” guide on flood insurance that includes helpful information on how to get started selling it, information on the National Flood Insurance Program, handy reference numbers and more. 24 pages
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QS90391 - The wide reach of insurance fraud
- Discusses insurance fraud, what your agency can and must do, along with the progress being made in the industry today. 3 pages
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QS90058 - 1994 ISO homeowners filing
- Overview of ISO 1994 homeowners filing which covers ordinance and law, pollutants, loss of use, earthquake, power failure and much more. 5 pages
QS90017 - A guide to choosing unit owners Coverage A limits
- Discussion of the HO-6 policy designed for condominium unit owners and what coverages are allotted. 3 pages
QS06041 - Connecticut condominium laws
- Explanation of rules and regulations governing insurance coverage for condominiums and their specific needs. 5 pages
QS90329 - Covering nonowned property on a homeowners policy
- Detailed discussion of coverage under the homeowners policy for the property of others and what may be considered property in the homeowners’ possession. 3 pages
QS90661 - Guide to the ISO HO 2011 Program
- This resource kit explains all the revisions to the 2011 ISO Homeowners Program. 5 pages
QS90284 - Home improvement
- An in-depth discussion of the exposures your clients can face when having contractors work on their home. 3 pages
QS90842 - Home sharing and the homeowners policy
- A comprehensive review of the latest trend in home sharing and the applicable insurance exposures. 2 pages
QS90613 - Homeowners options for the elderly
- Offers some important coverage-related issues to bring to the attention of the elderly and their families. 2 pages
QS90160 - Homeowners premises liability coverage
- A comprehensive discussion of an insured premises under an ISO homeowners policy and applicable liability coverages. 2 pages
QS90803 - Is it vacant or is it unoccupied? (05/18/16)
- This resource kit discusses the differences between vacant property and property that is unoccupied. 2 pages
QS90523 - ISO 2000 HO endorsements
- A helpful tool kit providing a brief description of the most common standard ISO 2000 homeowners endorsements. 10 pages
QS90671 - ISO 2011 HO endorsements
- A helpful tool kit providing a brief description of the most common standard ISO 2011 homeowners endorsements. 10 pages
QS90815 - ISO pins down the 'residence premises' definition
- A comprehensive overview of the ISO 'residence premises' October 2015 ISO filing.
QS90252 - ISO—HO 2000 program
- This kit offers an extensive look at the ISO Homeowners 2000 program and how it differs from previous versions. 15 pages
QS90447 - Lenders’ unreasonable requests for replacement cost limits
- Summarizes the laws that protect mortgagees from mortgagors requiring them to insure their real property for more than the replacement cost. 5 pages
QS90222 - One for all and all for one (community associations)
- Addresses the issue of property owners who get financially entwined by association membership. 3 pages
QS90575 - Ordinance and law coverage
- An overview of the ordinance or law coverage and what it means to you and your insureds. 4 pages
QS90629 - Sump pump failure
- A comprehensive discussion of the exposures a homeowner might have when their sump pump fails. 2 pages
QS90128 - The ISO HOBIZ™ Program (04/06/16)
- Explains ISO’s Home Business Insurance Coverage program designed for the home-based entrepreneur and their unique coverage needs. 3 pages
QS90424 - The ISO Homeowners Policy forms (2011)
- A quick reference of each of the Insurance Services Office Inc. homeowners forms and the perils covered. 2 pages
QS90109 - There is no business like home business
- Overviews the exposures and appropriate coverages for homeowners when having businesses within the home. 8 pages
QS90598 - Top 10 contractor hiring tips for homeowners
- Quick tips for your homeowners clients who are considering hiring an outside contractor to do repairs on their home. 2 pages
QS90475 - Two approaches to insuring your home—HO-2 vs. HO-3
- Comparison of the ISO Homeowners 2 form with the ISO Homeowners 3 form and exposures that might not be covered under the “named” perils policy vs. the “open” perils policy. 3 pages
QS90827 - What does this new ISO Residence Premises endorsement do?
- A comprehensive FAQ on the ISO Residence Premises endorsement and how it will impact your insureds. 2 pages
QS90640 - What is the right property limit?
- This resource kit discusses the many approaches for securing a property limit. 2 pages
QS90828 - Who is going to write this policy? Be prepared for the homeowners inspection
- This resource kit discusses issues that can be uncovered during a home inspection. 2 pages
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Human resource issues
QS90076 - Agency policy and procedure manual
- Sample agency procedure manual that can be used as a starting point to individualize one for your particular agency’s needs. 31 pages
QS90722 - An overview of the FLSA
- This resource kit offers a brief overview and general description of the provisions of the FLSA relevant to agency owners and managers. 3 pages
QS90779 - Baby on board: the workplace and pregnancy discrimination
- The resource kit discusses the protections afforded to pregnant employees in the workplace on both the state and federal level. 3 pages
QS90484 - Designing effective workflows for your insurance agency
- This guide is intended to help agencies identify their workflow needs and also gives tips on how to prepare for, write and implement new workflows. 4 pages
QS90397 - Employee handbooks: a tool to avoid employer liability
- Employment litigation is steadily on the rise. This kit discusses what should be addressed in an employee handbook and how it can aid in the employer’s defense. 2 pages
QS90677 - Employees in uniform: What you need to know about USERRA
- Discussion of protections afforded to employees in uniform under the Uniformed Services Employment and Re-employment Rights Act. 2 pages
QS90033 - Employment laws affecting small businesses
- Chart of employment-related laws and when they would apply by the number of employees you have. 1 page
QS90849 - Hiring with disabilities
- A discussion of the Americans with Disabilities Act and how that, along with state-specific laws, must be considered when hiring employees for the agency. 4 pages
QS90727 - Hiring, firing and employment practices
- Agency obligations in regards to proper employment practices. 2 pages.
QS90738 - Hiring? Consider employees from all walks of life (04/15/16)
- What you can do to recruit and retain a new brand of top insurance professionals. 3 pages
QS90478 - Managing leave for sick, injured and disabled employees
- Requirements for leaves of absence under the FMLA and the ADA laws. 4 pages
QS90620 - Sample employment application
- A boilerplate employment application that you can use to develop your own agency-specific version. 2 pages
QS90341 - The ADA may require more than you realize
- A discussion of the requirements of the Americans with Disabilities Act and it’s impact on employers. 3 pages
QS90833 - The FLSA—yesterday and tomorrow
- This resource kit offers a guidance on the three exemptions most likely found in the typical insurance agency: executive, administrative and the outside-sales exemption. 4 pages
QS90795 - The ins and outs of paid sick-time off
- This resource kits discusses the who, what and what ifs surrounding paid sick time off for employees. 3 pages
QS90824 - The right stuff: hiring: 'A' players for your agency
- This resource kit gives you a synopsis of some different processes and observations agencies have used and had success with for producer development. 6 pages
QS90439 - The seven types of workplace behavior
- Offers a brief description of the seven classic styles of behavior and provides tips to help manage your vulnerability to each. 3 pages
QS90503 - U.S. Department of Labor Employment Law Guide (04/15/16)
- This informative guide was developed by the U.S. Department of Labor to help answer questions on employment laws and make the regulations easier to understand. 116 pages
QS90713 - What you need to know before you Google potential employees
- Potential pitfalls you should consider before deciding to check an applicant’s social-network profile. 3 pages
QS90428 - Workplace harassment: what it is, how you prevent it
- Provides agencies with insight on what constitutes workplace harassment, how it can be prevented and how to respond to incidents that arise in the workplace. 3 pages
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I.D. cards
QS06062 - Automobile and motorcycle insurance identification cards (05/20/16)
- In-depth particulars on the minimum requirements for both permanent and temporary I.D. cards and other rules and regulations that apply. 10 pages
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Identity theft
QS90342 - The ISO Identity Fraud Expense Coverage endorsement
- An outline of the coverage provided by ISO’s Identity Fraud Expense Coverage endorsement. 1 page
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Independent agent marketing
QS90822 - An insurance policy isn't a commodity, it's a contract
- A resource kit to help agents explain the basics of insurance contracts to their insureds. 2 pages
QS90564 - Band together to brand together—co-op advertising for the independent agency
- An independent agent’s perspective of co-op advertising and how it can play a part in your agency marketing efforts. 3 pages
QS90812 - Beware of the bait and switch
- This resource kit talks about the importance of explaining what could happen when they venture out to other carriers without your guidance. 2 pages
QS90479 - CSRs join the fight to take back personal lines
- Suggestions for CSRs to take back personal lines. 2 pages
QS90352 - Go with a pro flier (05/18/16)
- A comprehensive comparison between independent agents, exclusive agents, direct-sales companies and banks highlighting the services they provide. 1 page
QS90569 - How to find co-op advertising dollars
- A step-by-step guide to making the most out of your marketing dollars with co-op advertisement. 2 pages
QS90504 - PIA National branding ads (off-site)
- A series of ads that PIA members can use in their local newspapers to enhance the professional image of independent insurance agents. 30 pages
QS90489 - Take back personal lines—combat direct writers and increase your presence
- A helpful discussion with a few ideas on how to get serious and aggressive about selling personal-lines insurance to beat the competition. 2 pages
QS90658 - The lowest price isn’t always the best deal
- This document discusses the aspects of finding the “right fit," not necessarily the lowest price for your clients’ policies. 2 pages
QS90563 - The PIA Branding Program
- An overview of the reasons behind the development of the PIA National “Local Agents Serving Main Street America” Branding Campaign. 2 pages
QS90688 - What’s ahead for the U.S. commercial insurance market?
- A comprehensive question-and-answer piece that outlines the anticipating market. 3 pages
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Industry-related issues
QS90855 - AmTrust-Magna Carta FAQ
- A comprehensive question-and-answer piece that responds to some of the commonly asked questions about the recent AmTrust-Magna Carta deal. 1 page
QS06055 - Connecticut Young Insurance Professionals membership application
- Brochure outlining the benefits of being a member of the Connecticut Young Insurance Professionals. 8 pages
QS90553 - Fire restoration/cleaning firms
- A listing of firms that offer fire restoration and cleaning services after a loss. 6 pages
QS90265 - Keeping informed on captive insurance companies
- An overview of what captive insurance companies are, why they were established and how they work. 2 pages
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Inland marine
QS90060 - Cargo insurance
- Liability for loss can be passed on to the shipper or purchaser depending on how the goods are shipped and how the sales contract reads. 4 pages
QS90280 - Highlights of the 1999 ISO Personal Inland Marine Program (04/06/16)
- A discussion of ISO’s 1999 Personal Inland Marine Program filing with emphasis on agreed value. 3 pages
QS90448 - Personal Inland Marine 2003 Program
- The Insurance Services Offices Inc. Personal Inland Marine Program rules and a review of the coverage forms. 6 pages
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Lead information
QS90088 - Lead information packet
- Packet of information on the lead paint hazard required notification, commonly asked questions and answers on lead issues, as well as a consumer brochure for your use. 29 pages
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Legislative/regulatory issues
QS90107 - 2016 federal legislative briefing papers
- Overview of the hot topics discussed with federal legislators during PIA National’s Federal Legislative Summit. 6 pages
QS06104 - 2016 PIACT legislative and regulatory initiatives
- A comprehensive look at PIACT's major legislative priorities for the 2016 legislative session. 3 pages
QS06114 - Connecticut notary public application and manual
- Connecticut manual for notaries to include the information on the appointment process, fees, duties, responsibilities and application form. 59 pages
QS90588 - Does the Red Flags Rule affect me? (05/23/16)
- A brief overview of who is affected by these rules and what precautions must be taken to comply. 2 pages
QS90340 - Federal and state do-not-call rules: a guide for PIA members
- Provides specific advice about individual legal, business or other questions relating to do-not-call rules. 13 pages
QS90451 - Get the facts on the do-not-fax law
- A comprehensive summary of the federal do-not-fax law so you can act in accordance with this rule. 3 pages
QS90846 - How high is your duty of care?
- This resource kit discusses how an agent must interact with their client to avoid breaching his duty of care. 2 pages
QS90543 - Life insurance settlements—proceed with care
- Comprehensive review of life-settlement arrangements and how they can affect your insureds. 9 pages
QS90731 - Online marketing, social media and insurance advertising laws
- A review of different states’ rules with regard to online marketing or advertising. 2 pages
QS90710 - PIA multistate windstorm and hurricane deductible guide
- A comprehensive review of the hurricane deductible rules for Connecticut, New Hampshire, New Jersey, New York and other neighboring states. 2 pages
QS90370 - PIA's guide to the CAN-SPAM Act
- An in-depth look at the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 and how it affects the insurance industry when using email solicitation. 6 pages
QS06006 - PIACT's 2015 legislative wrap-up
- An overview of the insurance-related bills and their recent actions, including those signed by Gov. Malloy during the past legislative session. 5 pages
QS90847 - Price optimization (or, how a goat is gotten)
- This resource kit discusses the issues surrounding price optimization and how some states are dealing with it. 2 pages
QS90632 - Producer notification requirements regarding administrative actions
- Outlines requirements in different states with regard to notifying the state insurance department when a producer is involved in an administrative action. 2 pages
QS90653 - Red Flag Rules commonly asked questions
- A comprehensive question-and-answer resource that addresses some of the commonly asked questions about the federal Red Flag Rules. 2 pages
QS90634 - Red Flag Rules, PIA offers guidance
- Some of the most commonly asked questions about a producer’s requirement to comply with the Red Flag Rules. 2 pages
QS90440 - Sample fax consent form
- Sample fax consent form for agencies to use in getting their clients’ permission to fax to comply with the do-not-fax rule effective July 1, 2005. 1 page
QS31269 - The commercial-lines deregulation law in New York state
- Discussion of the effects this law could have on you and the customers you serve. 8 pages
QS90654 - The history and origins of state anti-rebating laws
- This resource kit gives you the background and a firm understanding of state anti-rebating laws and how to apply them in a business context. 3 pages
QS06092 - Violent Crime Control and Law Enforcement Act of 1994—the reason carriers are conducting background checks on their agents
- Outlines the requirements of the Violent Crime Control and Law Enforcement Act of 1994 and discusses the issue of agent background checks, as well as, information on carriers requesting Social Security numbers. 4 pages
QS06079 - What's going on with the Dram Shop Act?
- An in-depth look at the changes to Connecticut's Dram Shop Act including sample customer letters to assist in explaining the new rules to your clients. 6 pages
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QS90650 - Business entity licensing
- Discussion of the different types of business entities and how to go about getting them licensed in Connecticut, New Hampshire, New Jersey and New York. 9 pages
QS06036 - Connecticut insurance licensing
- Guideline on types of licenses, requirements thereof, registration and exam process, nonresident requirements, continuing education credits and applicable definitions. 11 pages
QS90615 - Multistate licensing exposures
- A state-by-state review of the multistate licensing rules when it comes to policies with only part of a risk in another state and what each state may require in the way of producer licensing. 5 pages
QS90501 - Multistate licensing firms
- Contact information for firms that provide licensing services in multiple states. 2 pages
QS90683 - NIPR, PDB and beyond—understanding NAIC-related licensing systems and services
- A comprehensive look at the National Insurance Producer Registry and related information. 3 pages
QS90696 - Registering as a business entity in another state
- Requirements producers should be aware of when registering a business entity in another state. 3 pages
QS90797 - What does NARAB mean for independent agents?
- A comprehensive FAQ on the development of NARAB and what it means to independent insurance agents. 3 pages
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QS90064 - 2015 Choosing a Medigap policy: a guide to health insurance for people with Medicare
- An in-depth guide that outlines the steps to help consumers make an informed decision when purchasing Medicare Supplemental Insurance. 64 pages
QS90016 - An employee’s guide to health benefits under COBRA (04/15/16)
- A comprehensive booklet explaining an individual’s rights under the Consolidated Omnibus Budget Reconciliation Act for continuing health benefits. 19 pages
QS90748 - An updated life insurance market offers new opportunities
- Emphasizes the importance for life insurance for the single or childless individual. 2 pages
QS06043 - Connecticut 2014 annual ranking of accident and health insurance complaints (released December 2015) (04/06/16)
- The Connecticut Insurance Department's 2014 annual ranking of the complaints issued against accident and health insurers. 24 pages
QS06059 - Consumer report card on health insurance carriers in Connecticut
- Connecticut Insurance Department overviews the managed care organizations within the state and offers a comparison of the liability coverage, number of physicians, hospitals and quality measures. 56 pages
QS90400 - Family Medical Leave Act
- A comprehensive overview of employers’ obligations under the federal Family Medical Leave Act. 2 pages
QS90761 - Financial and health information accuracy disclaimer
- A sample letter to share with your customers purchasing coverage through the health exchange marketplace. 1 page
QS90776 - Frequently asked questions about private health insurance exchanges
- This resource kits offers answers to some of the frequently asked questions regarding private health insurance exchanges. 5 pages
QS90841 - How the PACE Act affected your small-market group
- An overview of how Connecticut, New Hampshire, New Jersey and New York are addressing the PACE Act's definition of small employer groups. 2 pages
QS90631 - Initial analysis of the Supreme Court’s health-care decision (04/01/16)
- An analysis by PIA National on the Supreme Court's healthcare decision. 8 pages
QS90746 - Q&A on health-care exchanges
- A compilation of questions and answers to help agents understand how they will be affected by health-care exchanges. 5 pages
QS90699 - Retiring boomers should consider life settlements
- Reasons for boomers to consider life settlements for retirement options vs. life insurance policies. 2 pages
QS90707 - The PPACA: update and Supreme Court’s impact
- The major provisions of the health-care reform laws and how it will affect you, your family and those you insure. 2 pages
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QS90066 - PIA’s MarketBase™ (04/05/16)
- Brochure explaining PIA’s MarketBase™ Program, an exclusive members-only benefit, that assists with finding markets for the occasional hard-to-place risk. 2 pages
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Mold issues
QS90289 - Stopping the growth of mold claims
- Explanation of how the Insurance Services Office Inc. endorsements impact mold coverage in the various lines of insurance. 4 pages
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Money management
QS90155 - Count them—14 ways to waste your marketing dollar
- Overviews the most commonly made mistakes that waste important marketing dollars and how to avoid them in the future. 3 pages
QS90429 - Financial planning—establishing long-term financial goals for your business
- Depicts a financial-planning technique, in four steps, that can help determine what it will take to achieve the financial objectives of growing and preserving your agency. 4 pages
QS90675 - Get competitive—marketing strategies that really work and don't cost a bundle
- Simple strategies you can use to build your customer base without spending a lot of money. 4 pages
QS90674 - Premium-finance companies
- A list of premium-finance companies, which offer services in Connecticut, New Hampshire, New Jersey and New York. 6 pages
QS06045 - Providing maximum federal deposit insurance protection to premiums held in a fiduciary capacity
- A question-and-answer resource explaining the protection afforded by the Federal Deposit Insurance Corp. for premium accounts. 2 pages
QS90546 - Using your head to help your wallet—focusing on cycle-time-reduction techniques
- Ideas to help reduce or eliminate wasting time and money that currently exists in the everyday processes and procedures of agencies. 3 pages
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Motor vehicle reports
QS90382 - Driver history and motor vehicle report vendors
- A compilation of firms which offer MVR services including geographical limitations, turnaround time and cost. 4 pages
QS06084 - Sharing MVRs with commercial clients
- Discusses Connecticut laws and issues when providing motor vehicle records to commercial clients. Includes sample disclosure forms. 11 pages
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Personal auto
QS90047 - 1994 ISO personal auto policy revisions
- A comprehensive overview of revisions made in the 1994 ISO Personal Auto policy including off-road vehicles, temporary substitutes, electronic equipment and much more. 2 pages
QS90129 - 1998 ISO personal auto policy revisions
- Overviews 19 changes made to the ISO Personal Auto policy with an in-depth explanation of each. 6 pages
QS06014 - Connecticut 2013 annual ranking of automobile insurance complaints (released December 2014)
- A comprehensive report of complaints filed against Connecticut-authorized insurance companies and their total complaint ratio for 2013. 24 pages
QS90534 - Interpreting the PAP furnished car exclusion
- This discussion of denial of coverage for a furnished auto provides two argument scenarios for the ISO policy’s B.2 and B.3 exclusions. 2 pages
QS90420 - ISO PAP undergoes mostly cosmetic changes, but ...
- Discusses the substantive revisions made to the ISO Personal Auto Policy (PP 00 01 01 05). 3 pages
QS90346 - Named nonowner policy
- An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 pages
QS90720 - Optional coverages offered with PAP
- Some of the optional coverages that are offered with a personal auto policy. 2 pages
QS06015 - Parental liability for a child's use of an auto
- Discusses auto insurance for the resident relative and the parental liability issues when there is a separate policy with another carrier for the relative. 2 pages
QS90086 - Personal auto extended nonowned coverage
- An in-depth discussion of the proper use of the Extended Nonowned Coverage—Vehicles Furnished Or Available For Regular Use endorsement. 3 pages
QS06109 - Requirements for auto insurance—a law you need to know
- Comprehensive brochure from the Connecticut Department of Motor Vehicles that outlines the rules regarding personal automobile insurance in Connecticut. 2 pages
QS90818 - Who is really driving Miss Daisy?
- This document discusses issues surrounding undisclosed operators as it relates to personal auto policies. 3 pages
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Personal umbrella
QS90145 - Personal umbrella policies
- An in-depth discussion of personal umbrella policies and their unique aspects. 3 pages
QS90144 - Umbrella basics
- Discussion of umbrella policies and their many variations as most insurers use their own individually filed policies. 2 pages
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Privacy issues
QS06107 - Connecticut's Social Security Protection Law (Public Act 08-167) and what it means to your agency
- Summarizes Connecticut's law, effective Oct. 1, 2008, which protects the consumers' confidential information by requiring businesses to take specific steps to protect their data. 2 pages
QS90652 - Email encryption firms
- A listing of firms that offer email encryption services for businesses. 1 page
QS90756 - HIPAA update
- Outlines the provisions of the HIPAA Omnibus Rule effective Sept. 23, 2013. 2 pages
QS90347 - How to develop your information security program (05/23/16)
- Discusses agent/broker requirements to maintain a comprehensive written information security program of their own as evidence of their compliance with the Gramm-Leach-Bliley Act. 11 pages
QS90495 - How to protect your clients’ and your agency’s privacy
- Highlights some of the privacy laws and requirements producers should keep in mind regarding privacy notices, security programs, HIPAA, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, security freezes and breaches. 4 pages
QS90700 - Knowing too much and the attorney-client privilege
- Discussion of attorney-client privileges and issues that may arise when your client shares this information with you. 3 pages
QS90664 - Laptop encryption vendors
- A listing of firms that offer laptop encryption services. 1 page
QS06065 - Privacy and the professional insurance producer
- A comprehensive guide to privacy issues as pertains to the insurance professional including information on the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, as well as applicable forms and a great question-and-answer section. 28 pages
QS90469 - Privacy primer (05/23/16)
- A comprehensive tool kit on the privacy issues that are crucial to insurance producers to ensure their compliance with the statutes and regulations. 17 pages
QS90559 - Security breaches and the agent’s responsibility (05/27/16)
- Explains the relevant laws and sources of liability to businesses that receive and possess confidential data. 4 pages
QS90638 - The truth about HIPAA-HITECH and data backup (04/06/16)
- An overview of the HIPAA-HITECH laws and how they might affect you. 4 pages
QS90320 - What insurance producers need to know about HIPAA (05/26/16)
- A comprehensive resource kit that explains the Health Insurance Portability and Accountability Act and its impact on producers. 7 pages
QS90624 - What you need to know about the HITECH/ARRA amendments to HIPAA
- An overview of the privacy-related responsibilities of those considered “business associates” under the American Recovery and Reinvestment Act of 2009 and the Health Information Technology and Economic and Clinical Health Act. 2 pages
QS90462 - Workplace privacy: strategies for employers (05/16/16)
- Considerations for employers faced with the challenge of obtaining necessary information from employees while protecting employees’ privacy rights. 4 pages
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Record retention
QS90486 - Is it time to convert? Electronic records in the insurance agency
- A discussion of how electronic records can help eliminate the clutter of a paper-based system, improve the financial outlook of the agency and prepare the agency as it heads into the future. 4 pages
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Regional information
QS29008 - New Jersey Motor Vehicle Commission alphabetical company code listing
- Alphabetical listing of the New Jersey Motor Vehicle Commission three-digit company codes used on automobile identification cards. 18 pages
QS29009 - New Jersey Motor Vehicle Commission numerical company code listing
- A numerical listing of New Jersey insurance company Motor Vehicle Commission codes. 9 pages
QS31061 - New York state’s DMV alphabetical/numerical company code listing
- A complete listing of New York state-authorized insurance companies and their coordinating DMV code numbers. 57 pages
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QS90251 - Reinsurance re-examined
- Examines the business of reinsurance, providing an understanding of the distribution of risk and methodology for spreading the risk from insurer to reinsurer to retrocessionaire. 3 pages
QS90490 - What’s reinsurance got to do with it?
- Gives a basic understanding of the two primary types of reinsurance and two general classifications of how it will be applied. 2 pages
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Ride hailing
QS90813 - ISO introduces three new TNC endorsements (04/19/16)
- Overview of three new endorsements being filed by the Insurance Services Offices Inc. to address the emergence of Transportation Network Cos.
QS90788 - The buzz about ride-hailing programs
- Ride hailing is growing in popularity. This resource kit discusses some of the insurance ramifications of these programs. 2 pages
QS90808 - Transportation Network Company insurance principles for legislators and regulators (04/15/16)
- This resource kit discusses coverage issues associated with transportation network companies. 32 pages
QS90814 - What the hail?
- A comprehensive review of the ride-hailing issue, including recent legislative proposals. 3 pages
QS90829 - When is it time to have 'the talk' ... about ride hailing?
- A discussion for insurance producers on when to discuss the issue of ride hailing with their personal-lines insureds. 2 pages
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Risk management
QS90811 - Loss control for producers
- This resource kit discusses the loss control for producers, not only is its benefits to producers but to their policyholders as well. 2 pages
QS90642 - Why risk management is transforming clients, agents and brokers alike—managing volatility
- Gives insight into how risk management activities can help retain your current clients in tough economic times. 2 pages
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Risk retention groups
QS90832 - Risk purchasing groups: opportunities for agents
- The resource kit offers a history of risk purchasing groups and how they can be an important step for agencies wishing to move forward in the alternative market space. 2 pages
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Sales management
QS90032 - 12 steps to effective goal-setting
- A step-by-step outline for agencies in determining their goals and how to best accomplish them. 2 pages
QS90801 - A successful sales meeting
- This resource kits provides tips on how to run a successful sales meeting. 2 pages
QS90557 - Age matters—generational selling
- A comprehensive resource kit that not only highlights the different generational characteristics, but offers strategies on how to market to these different groups. 5 pages
QS90667 - Are you in the business to make a sale or make a profit?
- How applying the SWOT analysis (strengths, weaknesses, opportunities and threats) can increase sales in a smart way with much less risk and greater profits. 4 pages
QS90703 - Build your agency—establish a niche
- The reasons to build and secure a specific niche for your agency. 3 pages
QS90529 - Building a referral-driven culture and driving revenues
- Illustrates how to effectively utilize staff and generate referrals from networking to build a powerful, referral-driven agency. 3 pages
QS90702 - Cold calling—four cornerstones to a successful initial contact
- Discusses the importance of cold calls and how to make them successfully. 4 pages
QS90472 - Don’t talk yourself out of the sale
- This resource kit discusses how surprisingly few salespeople are adept at knowing how and when to close the sale. 2 pages
QS90520 - Empower your employees to be mini-marketers—why satisfied staff equals free advertising
- Discusses the three-fold process of employee empowerment, and how the rewards will not only show in positive press, but also in the agency’s bottom line. 3 pages
QS90695 - Finding and nurturing good producers—survey provides insight on hiring and training practices
- This resource kit provides agents with information from a study conducted by The National Alliance Research Academy pertaining to agency hiring factors and methods for training. 4 pages
QS90840 - Five steps to hold salespeople accountable
- Tips to ensure your salespeople are working toward their fullest potential
QS90836 - Growing your marketing savvy in the digital age—five tips for using social media as a marketing tool
- This resource kit discusses the importance of including social media in an agency marketing plan. 2 pages
QS90442 - How can I sell more when I have so much to do?
- Answers this question by focusing on the essential component of the sales process. 2 pages
QS90566 - Improving agency performance—five core coaching skills make the difference
- Illustrates the five coaching skills most needed to effectively manage employees and create a high performance work environment. 4 pages
QS90567 - Improving agency performance—new research shows link between ‘energetic profile’ and business success
- Provides four steps to increase your agency’s energy level and improve performance. 3 pages
QS90770 - Is your agency being proactive with personal-lines customers about their social-media exposures?
- This resource kit discusses the importance of talking to your personal-lines clients about the risks associated with social media. 4 pages
QS90565 - Little-used coaching is most effective management style—the agency principal’s role: visionary, role model, coach and facilitator
- Illustrates how using coaching techniques creates and sustains a high-performance work environment. 3 pages
QS90229 - Long-term care insurance—a potential gold mine for independent agents
- A discussion of long-term care insurance and its opportunities for independent agents. 2 pages
QS90568 - Marketing peace of mind—be part of the solution to teen car crashes
- A discussion that provides a “game plan” for agencies to offer supportive programs and educational materials on teen driving safety while giving them the opportunity to market their products. 3 pages
QS90169 - New business presentations—12 tips for connecting with prospects
- A series of tips agents can use to improve their ability to connect with their prospects. 4 pages
QS90259 - Prospecting that pays
- Explains many ways that leads can be qualified to generate sales for your agency. 3 pages
QS90427 - Salespeople with a service ethic rise to the top
- A discussion on the importance of forming a professional sales career on ethics, caring and service to build lasting client relationships. 3 pages
QS90257 - Selling today—some things never change
- Prospecting is critical to achieve sales success and this kit will show you how to make it more effective. 2 pages
QS90806 - Simple strategies for agency growth—establish measuring points, then consider basic business expansion moves
- This resource kit offers simple strategies for building your agency’s book of business. 2 pages
QS90239 - Six simple tips for increasing sales and piece of mind
- Have you ever found a lead on a scrap of paper after the prospect purchased from your competition? If so, this kit will give you tips to increase sales and decrease stress. 2 pages
QS90793 - The importance of sales meetings
- Offers a list of reasons why sales meetings are critical to your success and suggestions for the optimal structure, agenda and rules for running one. 3 pages
QS90805 - The power of Pinterest—is your agency using this growing social-media platform?
- This resource kit explains how to use Pinterest as a way to connect with clients and prospects based on common interests. 3 pages
QS90498 - The power of seven—seven marketing strategies to let the customer know you are here
- Seven “must” contacts or opportunities to include in your action plan of communicating with your customers and potential customers. 2 pages
QS90757 - The sales market is changing—how you can respond
- Discusses how the insurance marketplace is changing and what agents can do to stay on top of the trends. 2 pages
QS90135 - Tips to build your personal-lines business
- Simple strategies to expand your personal-lines business to ensure increased profitability. 3 pages
QS90854 - Why and how to cold call
- Discussion of why cold calling is so important and suggested steps to stay sharp and conquer fear. 2 pages
QS90500 - Why have a marketing plan?—minimize mistakes and maximize your potential
- Illustrates the importance of having a strategic marketing plan, the components of a successful plan and dipicts nine reasons to plan. 3 pages
QS90426 - Why should I buy from you?
- Offers a few of the most common unique selling strategies that can be used to help answer this often unasked question. 2 pages
QS90173 - ‘Wow!’ing employees—the foundation to high profits
- Suggestions for investing in agency employees including growth opportunities, compensation and personnel work relationships. 3 pages
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QS90662 - How much ends up in your pocket?—Plan now so Uncle Sam doesn’t get more when you sell
- Discusses the federal tax issues in the agency selling process including considerations such as S and C corporation tax filings and more. 3 pages
QS90759 - Requirements of the Foreign Account Tax Compliance Act
- Reporting requirements for the Foreign Account Tax Compliance Act and what effects the law has on PIA members. 1 page
QS90530 - Tax implications—buying and selling agencies
- Factors to consider when buying or selling an agency that will help to maximize the dollar amount the seller will be left with after taxes. 3 pages
QS90734 - What to know about disaster-related casualties and taxes
- Federal income tax implications when someone suffers disaster-related casualties. 2 pages
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Terrorism issues
QS90785 - TRIA: age of cyber liability
- This resource kit discusses how cyber liability would come into play under the Terrorism Risk Insurance Act. 2 pages
QS90283 - Understanding the Terrorism Risk Insurance Act of 2002; 2005
- An in-depth resource kit on the requirements of the Terrorism Risk Insurance Act of 2002 on commercial-lines property/casualty insurance including a comprehensive summary, lines that are affected, implementation of the act and much more. 15 pages
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Trailer coverages
QS06025 - Cover your rear—commercial trailers
- A discussion of commercial trailers and how to best cover the exposures of these clients. 3 pages
QS06026 - Cover your rear—motor carriers (05/26/16)
- An in-depth discussion of the exposures faced by individuals who are in the trucking business and how to properly meet their insurance coverage needs. 3 pages
QS06024 - Cover your rear—personal trailers
- A how-to for obtaining proper coverage for your insureds with personal trailers. 4 pages
QS90668 - ISO 2010 Commercial Auto Program revisions
- Discussion of the changes to the rules surrounding motor carriers over the years. 2 pages
QS90146 - Of bobtails and deadheads
- Bobtailing and deadheading are significant in the insurance world because they represent the nontrucking use of a tractor/trailer and the coverage implications of either not having a trailer attached or an empty trailer attached. 3 pages
QS90747 - What’s all the buzz about CSA?
- Overviews the Compliance, Safety, Accountability Program, a federal regulatory program targeted to activities of motor carriers. 3 pages
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Windstorm catastrophe
QS90117 - Agency preparedness and recovery plan (disaster manual)
- A how-to for developing an action plan for your agency in the event of a catastrophe. 63 pages
QS90452 - Disaster planning and recovery
- Offers information on catastrophes your business may face that aren’t the ordinary hurricane windstorm type, and gives you the information you need to assess your risk and prepare for such events to ensure proper business continuation during and after such an event. 8 pages
QS90592 - Get ready for hurricane season (04/20/16)
- A handy reference including information on the Saffir-Simpson Hurricane Scale and other hurricane-related references. 2 pages
QS90191 - How to prepare for a hurricane (04/07/16)
- Information you need to be prepared before, during and after a hurricane hits. 4 pages
QS90190 - Top 10 insurance tips for hurricane season
- Suggested responses to consumer questions following a natural disaster regarding the claim process and what to expect. 3 pages
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Workers’ compensation
QS06111 - An employee's pocket guide to Connecticut workers' compensation
- A brief summary of the Connecticut workers' compensation system, which includes what to do if injured on the job and contact information for Connecticut Workers' Compensation Commission offices. 4 pages
QS06124 - Connecticut 2016 workers' compensation rates, loss costs and loss-cost multipliers
- Provides the October 2014 workers' compensation rates, loss costs and loss-cost multipliers from the National Council on Compensation Insurance Inc. 24 pages
QS06110 - Connecticut workers' compensation information packet
- A great reference provided by the Connecticut Workers' Compensation Commission that explains the flow of a typical workers' compensation case, guidelines, forms and contacts. 40 pages
QS06021 - Domestic employees
- Discussion of in-house domestic employees and how to best determine whether coverage is under the homeowners policy or if a separate workers' compensation policy is needed. 2 pages
QS06113 - Employee vs. independent contractor status sample notification form
- Sample notification form that agents and brokers can use with your clients after discussing employee vs. independent contractor exposures. 1 page
QS06012 - Fellow employee suits
- Discusses the issue of being sued by a fellow employee for an auto accident above what might be covered under a workers' compensation policy. 1 page
QS06069 - Give me liberty or give me a paycheck
- A discussion of independent contractors and how they are properly handled in the workers' compensation arena. 4 pages
QS90136 - Maritime law: LHWCA and Jones Act
- Outlines the special insurance needs under the Longshoremen’s and Harbor Workers’ Compensation Act of 1927 and the Jones Act covering marine workers. 4 pages
QS06033 - Multistate Workers' Compensation Insurance Plan coverage (04/22/16)
- Explains that the NCCI, in cooperation with the Workers' Compensation Insurance Plan can help accommodate the workers' compensation coverage needs when an employer operates in multiple states. 1 page
QS06122 - NCCI explains 2013 change to X-mod formula
- NCCI bulletin explaining the 2013 changes to the X-mod formula. 3 pages
QS06023 - Other states coverage in workers' compensation residual-market policies
- Discusses workers' compensation coverage for when an insured works out of state and coverage exposures an insured might experience. 4 pages
QS06123 - The "split point" change in the NCCI Experience Rating Plan
- A consumer flier that reviews the NCCI "split point" change and what changes were effective in 2013. 2 pages
QS90839 - The flanking maneuver
- This resource kit discusses coverage under workers' compensation and employers' liability when dealing with third-party claims. 2 pages
QS90647 - When placing a workers’ compensation policy, what could possibly go wrong?
- This document discusses how to properly place a workers’ compensation policy to avoid possible E&O exposures. 2 pages
QS06075 - Who is an "employee"?
- A discussion of Connecticut's Workers' Compensation Law relating to independent contractors, executive officers and LLC members. 2 pages

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